Dental coverage can improve your employees' overall health by encouraging more visits to dentists, who can now detect more than 120 physical and mental illnesses including diabetes, oral cancer and bulimia. Plus, recent studies have identified numerous links between oral and general health -- such as a greater incidence of low birth weight babies to women with periodontal disease.

So by providing dental insurance, employees can help prevent potentially debilitating illnesses, thereby reducing medical costs.

Four Ways To Provide Dental Insurance To Your Employees

Traditional Indemnity Plans
Unrestrictive and most expensive

• Freedom to choose any dentist
• All claims paid based on reasonable & customary charges
• Coverages for full-range of dental services (may include orthodontia)
• Groups without dental coverage and late entrants are subject to a benefit waiting periods

Preferred Provider Organization (PPO)
Unrestrictive and more cost effective

• Un-restricted access to a directory of dentists
• Un-restricted freedom to choose out-of-network dentists
• In-network claims paid according to contract schedule - insured receives more benefit
• Out-of-network claims paid based on reasonable & customary charges
• Coverages for full-range of dental services (may include orthodontia)
• Groups without dental coverage and late entrants are subject to benefit waiting periods

Dental Maintenance Organization (DMO)
Restrictive and most cost effective

• Access to a directory of dentists but no out-of-network coverage
• In-network claims paid according to contract schedule, with members paying only a co-payment
• Coverages for full-range of dental services (may include orthodontia)
• Groups without dental coverage and late entrants are subject to benefit waiting periods

Voluntary Dental Plans
100% employee paid

• Types of voluntary dental plans - Indemnity, PPO or DMO
• A minimum number of employees' are required to participate
• Groups without dental coverage and late entrants are subject to a benefit waiting periods

Other products

Voluntary dental benefit programs