Life & Health — Group Benefits
Group Dental Insurance
One of the most-used and most-appreciated benefits you can offer your team.
Group dental insurance is a high-visibility benefit that employees notice and use every year. Regular preventive care — cleanings, exams, and X-rays — keeps your workforce healthier and helps catch costly issues before they become serious. We shop a broad market of group dental carriers to find plans that balance rich benefits with employer and employee affordability.
What's Covered
- Preventive care — exams, cleanings, and X-rays (typically covered at 100%)
- Basic restorative — fillings, extractions, and emergency dental treatment
- Major restorative — crowns, bridges, dentures, and oral surgery
- Orthodontia — braces and aligners for dependents and adults (plan-dependent)
- Periodontal treatment for gum disease
- Annual maximum benefits — typically $1,000–$2,500 per covered person
- Dependent coverage for spouses and children
Why It Matters
Dental health directly affects overall health — untreated gum disease is linked to heart disease, diabetes, and other systemic conditions. Employees who have dental coverage are more likely to seek preventive care, leading to fewer sick days and lower overall healthcare costs. It is consistently ranked among the top three benefits employees want from an employer.
Common Questions
Should I bundle group dental with my medical plan?
Bundling through the same carrier simplifies administration and can sometimes reduce premiums. However, standalone dental carriers frequently offer richer benefits at competitive rates. We evaluate both structures and recommend the one that provides the best value for your team.
Is orthodontia covered under group dental?
Many group dental plans include an orthodontia benefit with a lifetime maximum — typically $1,000–$2,500 per covered person. Age limits for dependents vary by plan. If orthodontia is a priority for your workforce, we'll identify carriers with stronger ortho benefits.
Can employees add their families?
Yes. Dependent coverage is available on group dental plans for spouses and children. Employers can pay for dependent coverage, offer it as a voluntary employee-paid benefit, or split the cost. We'll design the contribution strategy that fits your budget and culture.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.