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Group Dental Insurance Plans Offering Group Dental Insurance Benefits  to your employees makes economic Sense A frequently overlooked reason for employee absences or poor work performance is dental disease or discomfort. And as every human resources professional knows, days lost can mean money lost. In addition to promoting oral health, a quality dental benefits plan can aid in the recruitment and retention of employees. Dental benefits are consistently cited as one of the most sought after employee benefits. Ask yourself the following questions before selecting a new dental insurance plan: 1. Will employees retain the freedom to choose their own dentists? 2. Is the type of treatment determined by the patient and the dentist? 3. Does the plan cover diagnostic, preventive and emergency services? Will it cover preventive services such as sealants and fluoride treatments, which may save patients money in the future? Will it provide for full-mouth x-rays? 4. What type of routine dental care is covered? Does the plan cover crowns and bridges, braces, root canals, oral surgery and treatment of periodontal diseases. 5. What major dental care is covered? Does the plan cover dentures, implants or treatment for TMJ disorders? 6. Will the plan allow for referrals to specialists? If so, will the dentist be limited to a list of specialists from which to choose? 7. How does the plan provide for emergency treatment? What provisions are made for emergency care when you are away from home?   There are numerous models of dental plans. In general, they can be divided into two categories: 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. Managed Care Dental Insurance Plans are cost containment systems that direct the utilization of health care by a) restricting the type, level and frequency of treatment; b) limiting the access to care; and c) controlling the level of reimbursement for services. Texas Florida Colorado Dental Insurance Plans Which Plans Work For You?  INDEMNITY  Dental HMO type plans Use the dentist of your choice. Use a participating dental office. Monthly rates: $20-35/single $50-90/family Monthly rates: $5-18/single $10-35/family Waiting periods: 6 month for basic services, can be eliminated for self-employed people. - 1 year for major services Many plans have no waiting periods; some plans have a six month wait for crowns and dentures. Deductibles: $50-150 per year No Deductibles. Maximum Benefit Per Year: $1000 - $1200 No Annual Maximum Benefit Limitations. Claims: Dentists charge usual fees and submit claims to insurance carrier, which pays a percentage of the allowable covered charges. No claims to file. You pay the reduced fees the dentist has contracted to accept with the plan. Typical benefit plan: 80% or 100% - Preventive services 80% - Basic services 50% - Major services Typical Fees: X-rays - no charge Routine cleaning $20.00 1 Surface filling $30.00 Porcelain w/metal crown $360.00 | TOP |

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