Group Dental Insurance

Group dental insurance is one of the most desired employee benefits an employer can offer. We offer a wide range of plans, however our most popular plans allows your employees to see the dentist of their choice.

Our most popular plan

Group dental plans generally require a minimum of 2-3 enrolled employees.

We have access to all major dental companies
Any Dentist
Can be written with no waiting period
Can be employer or employee paid
Optional orthodontia coverage available

What to consider when choosing a group dental plan.

The first thing to consider is the plan type and which plan will best suit your employees needs. The 3 most popular plan types are:

  • Dental HMO (Dental Health Maintenance Organization DHMO) also referred to as pre-paid plans and require your employees to choose on dentist to coordinate all your dental needs.

  • Dental PPO plans allow you use network and non-network dental providers. In Texas the industry generally refers to these plans as "passive PPO's". Benefits are paid at the same levels in or out of network. However, when you use in-network providers, your are not subject to usual reasonable and customary charges.

  • Indemnity plans also known as traditional plans offer the greatest choice of dentists.  Like a PPO the plan pays coinsurance as in the example above.

Waiting periods

Waiting periods apply to groups and individuals who do not have current coverage. Most dental policies have waiting periods in basic and major services to deter individuals from waiting to purchase dental insurance until they have a otherwise covered condition.

Most Texas policies have a "take-over " provision which waives the waiting period for individuals who have satisfied the waiting period on a prior plan.

Few insurance companies offer group dental policies with no waiting periods, and we have them. Contact us for more information.

Services

  • Preventive - Preventive services on most plans are covered at 100% with no annual deductible. This generally covers 2 exams per calendar year with one set of bite-wing x-rays.

  • Basic - Minor procedures such as fillings. 

  • Major - Major procedures are crowns, bridges, inlays, and dentures.

Some polices of endodontics and periodontics in basic services, or a combination of both.

Terms and Definitions

Usual Reasonable and Customary

The amount paid for a services in a geographic area based on what providers in the area usually charge for the same or similar services with similar training and experience. Usual reasonable and customary amount sometimes is used to determine the allowed amount.

 

Is the dental specialty concerned with the study and treatment of the dental pulp including the root, and periapical tissues

Endodontics

 

Is the dental speciailty that deals with diseases of the supporting and investing structures of the teeth including the gums, cementum, periodontal ligaments, and alveolar bone.

Periodontics