Dental benefits are consistently cited as one of the most sought after employee benefits -- more than 75% of employees rate dental insurance as "important or extremely important" for themselves and their dependents.

Preventive procedures, such as examinations, cleanings and x-rays are usually paid at 100%. Minor restorative procedures are commonly paid at 80% after the plan deductible is satisfied. These procedures generally include fillings, extractions, and root canals. Major restorative procedures including crowns, bridges and dentures are also subject to the deductible and are most commonly paid at 50%. There is usually an annual maximum benefit of $1000 to $1500.

Dental Plans can generally be divided into two categories:

1. Fee-for-service and managed care. Fee-for-Service Dental Insurance Plans are typically freedom-of-choice arrangements under which a dentist is paid for each service rendered according to the fees established by the dentist.
2. Managed Care Plans are cost containment systems that direct the utilization of health care by:

1. Restricting the type, level and frequency of treatment;
2. Limiting the access to care; and
3. Controlling the level of reimbursement for services.

As with other benefits, dental plans may be employer paid or offered through your voluntary insurance program.

Benefit Design Associates can help you determine which dental coverage is the best for you and your employees.

For a no-obligation quote, use our online Quote Forms under Resources or call 480.998.0096.