Should My Business Offer Dental Insurance?

Dental insurance can be a great added benefit to increase recruitment and retention. Just like most other healthcare services, the cost of dental care has increased due to inflation. Dental insurance can help reduce the cost of dental care for your employees and their families.

young boy smiling into mirror with help from dental hygienist and dentist

What Is Dental Insurance?

Dental insurance, similar to health insurance, can help lower the cost of dental related services. Like health insurance, you pay a premium to enroll in the plan. There is often a deductible that you must hit before your insurance kicks in. Once you hit your deductible, you will pay coinsurance. A difference between health insurance and dental insurance lies in the out-of-pocket maximum vs an annual coverage maximum.  Some health insurance policies have an out-of-pocket maximum, where you are no longer personally responsible for any additional covered medical expenses above that maximum for the remainder of the plan year. In contrast, some dental insurance policies have an annual coverage maximum, meaning once you hit your annual coverage maximum, you are responsible for 100% of the remaining cost until your plan resets. Like health insurance, dental insurance also has in-network and out-of-network benefits. You will typically pay less for treatment at an in-network facility compared to an out-of-network facility, due to their contract with the insurance carrier. 

What Is the Importance of Proper Dental Care?

Proper dental care affects your overall physical and mental health, not just your mouth. Good oral hygiene can help you avoid mouth, respiratory, and cardiovascular diseases. It also can prevent complications from chronic conditions, like diabetes. Mentally, strong oral health can help with self-image and confidence in regard to a person’s appearance.

young woman checking smile at dentist office

How Expensive Is Dental Insurance for a Business?

Compared to medical insurance, dental insurance is very cost effective. Employer sponsored dental plans are often much more cost effective than individual plans, especially if the employer chooses to contribute to the plan. Some carriers even offer discounts for employers who contribute to their employee’s dental insurance. If you are a business owner looking to learn how much dental insurance would cost for your employees, contact our team here at Cross Insurance to review your options.

Why Is Dental Insurance Important?

Dental insurance can save money by covering  three main categories of care: preventive care, basic care, and major care. Once you hit your deductible, your insurance will help contribute toward these forms of care.

  • Preventive care is usually in the form of routine visits intended to help prevent serious issues from developing.
  • Basic care typically treats minor or developing damage to your teeth or gums. This can be filling cavities, extracting teeth, treating gum diseases, etc.
  • Major care most commonly includes surgical care such as implants, crowns, oral surgery, etc.

What Does Dental Insurance Typically Not Cover?

Dental insurance may not cover cosmetic procedures such as teeth whitening, veneers, etc. However, all plans differ, and it is important to review your specific plan information to confirm what is or isn’t covered.

How Do I Obtain Dental Insurance for My Employees?

If you are interested in obtaining dental insurance for your employees, contact a member of our employee benefits team here at Cross Insurance. We can provide you with carrier quotes and options for your specific company. Just like all insurance, dental insurance is not a one size fits all approach. Our team here at Cross Insurance can help review your company size, demographic and structure to help you find a dental policy that works for you and your employees.

close up of dental office medical instruments

How Long Does It Take to Get a Quote for Business Dental Insurance?

Dental insurance quote timelines can vary for a variety of reasons, including the size of your business, number of employees, etc. You can increase the efficiency of the quoting timeframe by compiling and providing the necessary information in a timely manner. Below are a few examples of information you may be asked to provide for dental insurance quoting:

  • Number of employees at the company.
  • A census of employees and dependents, including birthdates and zip codes.
  • The zip code of the company.
  • The amount or percentage the employer plans on contributing to the premiums.

Dental Insurance Quotes for Businesses

If you are an employer interested in learning more about offering an employer sponsored dental insurance plan, our team at Cross Insurance is here to help. With our team of experienced employee benefits consultants, we can show you your options in the dental insurance market. To find out more, contact your local Cross Insurance today.  



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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