What does small business dental insurance typically cover?

Small business dental insurance often covers preventive care (like cleanings and exams), basic procedures (such as fillings and extractions), and major procedures (like crowns and root canals). Coverage can vary by plan.

How does small business dental insurance work?

You pay a monthly premium for coverage, and the insurance company helps pay for covered services. You may also have deductibles, co-pays, and coinsurance costs with your small business dental insurance plan.

What is a deductible?

A deductible on a small business dental insurance plan is the amount you must pay out-of-pocket before your insurance starts covering services

What are co-pays and coinsurance?

Co-pays are fixed amounts you pay for specific services, while coinsurance is a percentage of the cost you’re responsible for after meeting your deductible on your small business dental insurance plan.

Are there annual maximums?

Yes, many small business dental insurance plans have an annual maximum, which is the most your plan will pay for covered services in a year.

Do small business dental insurance plans have waiting periods for certain procedures?

Some small business dental insurance plans have waiting periods before coverage begins for specific services, especially major procedures.

Can I see any dentist I want on my small business dental insurance plan?

It depends on your small business dental insurance plan. PPO plans often allow you to see any dentist but provide higher coverage for in-network providers. HMO plans usually require you to see network dentists.

What’s the difference between in-network and out-of-network dentists?

In-network dentists have an agreement with your dental insurance for small businesses to provide services at reduced rates. Out-of-network dentists do not have such agreements, which can lead to higher costs for you.

Are there coverage limits for specific types of procedures?

Yes, there may be limits on how much the small business dental insurance plan will pay for certain types of procedures, and these limits can vary.

Can I use small business dental insurance for orthodontics?

Some small business dental insurance plans cover orthodontics, especially for children, but coverage can vary. There may also be separate limits or waiting periods for orthodontic treatments.

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Benefits of a Small Business Dental Plan

Small group dental insurance is a type of dental coverage designed for small businesses, with between 2 and 50 employees (though this can vary by state or insurer). Offering a business dental insurance plan can help small businesses attract and retain employees, create a competitive benefits package, and improve employee health. By providing a small business dental insurance plan, employees are more likely to get regular check-ups and preventive treatments and be happier with their overall benefits package. Speak to our team today about the best small business dental plan for you and your employees. We offer service assistance and renewal support after you purchase your plan.

Basic Dental Care

Overall health and wellbeing is tied to dental health and hygiene. Dental insurance for small businesses helps them stay healthy with affordable regular cleanings and checkups.

Discounted Dental Procedures

Small business dental insurance plans will include essentials like oral exams, routine cleanings, fillings, sealants, and X-rays—so you can keep your smile dazzling without breaking the bank!

Affordable Orthodontia Coverage

Orthodontia coverage is included in many small business dental insurance plans. Coverage may be available for both children and adults and each carrier has their own guidelines for offering orthodontia coverage.