Group Dental Insurance

Group dental plans typically cover a range of dental services, categorized into preventive, basic, and major care. Preventive care, such as regular check-ups and cleanings, is often covered at 100%. Basic services like fillings, extractions, and X-rays are usually covered at 70-80%. Major procedures, including crowns, bridges, and dentures, are commonly covered at 50%. Some group dental plans also offer orthodontic coverage. The specific coverage details can vary depending on the plan chosen, so it’s important to review the plan documents or speak with a UCCU Insurance Service representative to understand exactly what your group dental insurance covers.

Group dental insurance works similarly to other types of health insurance. Employees enrolled in the plan typically pay a portion of the premium through payroll deductions, with the employer often contributing as well. When seeking dental care, employees visit a dentist within the plan’s network to receive discounted rates. They may need to pay a copay or meet a deductible before the insurance begins to pay. The insurance then covers a percentage of the cost for covered services, with the percentage varying based on the type of service (preventive, basic, or major). Most plans have an annual maximum benefit amount. Understanding how dental insurance works can help employees make the most of their benefits and manage their oral health effectively.

Small businesses can obtain group dental through various channels, including directly from plan providers or through brokers like UCCU. The process typically involves assessing the needs of your employees, comparing different plan options, and choosing a plan that fits your budget and coverage requirements. Many insurance providers offer small group dental insurance plans specifically designed for businesses with fewer employees. To get started, contact a UCCU Insurance Service representative who can guide you through the process, provide quotes from multiple insurers, and help you understand the different plan options available. It’s important to consider factors such as coverage levels, network size, and cost when selecting a plan for your small business.

A good group dental plan balances comprehensive coverage with affordability. It should cover preventive care at 100%, provide good coverage for basic services, and offer reasonable benefits for major procedures. Look for plans with a large network of dentists to ensure your employees have plenty of choices. Consider plans that offer coverage for specialized services like orthodontics if that’s important to your workforce. A good plan should also have a reasonable annual maximum benefit and affordable premiums. The best plan for your group will depend on your specific needs and budget. UCCU Insurance Service can help you compare different dental plans and find one that offers the right mix of coverage and cost for your business and employees.