The cheapest benefit on the sheet, and the one employees notice missing first.
Group dental plans for employers of any size — PPO, DHMO and employee-paid voluntary structures, typically at a fraction of the cost of the medical plan.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What group dental insurance businesses actually need.
Preventive
Cleanings, exams and x-rays, usually at 100% and outside the deductible.
Without it — Employees skip the visit that would have caught the expensive problem.
Basic and major
Fillings and extractions; then crowns, bridges and dentures at a lower coinsurance.
Without it — A single crown costs more than a year of premium.
Orthodontia
Usually a separate lifetime maximum, often limited to dependent children.
Without it — The benefit employees with teenagers ask about most is absent.
What group dental insurance operators ask us.
What does group dental cost an employer?
Commonly $25 to $45 per employee per month for a PPO plan, and less for a DHMO — roughly a tenth of the medical premium, which is why it is usually the first benefit added after health and the last one cut. Many employers cover the employee tier in full and let staff buy up for dependents. A voluntary plan, where employees pay the whole premium through payroll, costs the employer nothing at all and still gets group pricing and guaranteed issue.
What is the annual maximum and why is it so low?
Most plans cap what they will pay at $1,000 to $2,000 per person per year, a figure that has barely moved since the 1970s and is the most common complaint about dental cover. It is a budget cap rather than catastrophic insurance — dental plans are designed to make routine care free and expensive care cheaper, not to cover it. If your population is likely to need major work, the plan design worth comparing is a higher maximum with a longer waiting period on major services, which is usually cheaper than it sounds.