Dental and Vision Insurance
Adding Value, Staying Committed
Offering your employees dental and/or vision coverage is a value-add that demonstrates the strength of your commitment to their overall well-being.
There are several different ways to implement dental and/or vision coverage. A plan could be employer sponsored, where the employer picks up the entire cost. It could be offered on a contributory basis, where the employer and employee each pay a portion of the premium. Or a plan could be voluntary, where the benefit is offered at the employee’s sole expense using a payroll deduction.
There are many nuances to understanding your dental and vision plan options, and together we will come up with the best solution for you and your employees.
Indemnity products will allow the member to use any dentist. The product is usually set up as a 100/80/50 plan, which means that preventive services are covered in full, restorative services are covered at 80% after a deductible, and major services are covered at 50% after a deductible. This product may also include an orthodontia rider.
Network products (PPO & DMO) restrict members to a select group of dentists. These dentists agree to accept a set fee schedule for patients who participate in the plan. Most companies offer several different levels of benefits.