Dental

What is needed to quote:

• Name of Group
• Address
• Nature of Business
• Number of Years in Business
• Schedule of Benefits
• Census – gender, date of birth, Dependent Election*, zip code
• Current Rates / Booklets (if applicable)
• Three Years of Claims Experience for groups of 100 or more employees

*Dependent Election – EE Only  /  EE&SP  /  EE&CH  /  FAMILY

Schedule of Benefits:

• Preventive – 100%   /  Basic – 80%  /  Major – 50%
• Employer can customize coverage percentage for each level of service
• Employer can customize covered services

Deductibles

• $25 Deductible applicable to Basic and Major Services
• $50 Deductible applicable to Basic and Major Services

Benefit Maximums

• $1,000 Annual Max
• Employer can choose the annual benefit max

Orthodontia Coverage

• Typically has a $0 Deductible / 50% Co-insurance / $1,000 Lifetime Maximum
• Employer can choose whether or not to include orthodontia coverage
• Employer can elect a higher or lower Lifetime Maximum

Contributions

• Employer Paid – the Employer pays 100% of the premium
• Contributory – Employer and Employee share in the cost of coverage
• Voluntary – the Employee pays 100% of the premium

Benefit to providing this coverage to employees

• Employees with dental coverage are more likely to seek preventive care resulting in less time away from work due to dental issues
• Visiting  a dentist can help detect other more serious health issues
• Dental services are expensive when 100% of the fee is coming out of your own pocket