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Group dental plans do more than help pay for dental care expenses for your employees; they give employees peace of mind.
That’s why our approach to finding solutions comes with humanity—and without compromise. Employee owned and customer inspired, we have the freedom to do what’s right for your business. And we know from experience that an employer-sponsored dental insurance plan can save your employees money on both premiums and out-of-pocket expenses, which increases their loyalty to your company.
No matter what employee benefits you’d like to consider, our prices are competitive, our fees are clear and our deep industry relationships allow us to go above and beyond while delivering year-round value.
At Higginbotham, we’re here to take the headaches out of group dental insurance.
While a dental preferred provider organization plan, or DPPO, can be considerably more flexible than a dental health maintenance organization plan, or DHMO, they’re often more expensive.
Rather than require the election of a primary dentist, a DPPO plan allows employees to visit any in-network dentist or oral care specialist of their choosing.
A DPPO doesn’t require a primary dentist referral as a prerequisite to visiting a specialist and may extend some degree of coverage for out-of-network service providers.
That said, out-of-network services often carry higher out-of-pocket costs.
Often the less expensive of the two group coverage options, a DHMO limits eligible dental service providers to a predetermined network of dentists and orthodontists.
After signing up for a DHMO dental plan, employees must select a primary dentist.
This primary dentist will perform the majority of preventive care, routine dental work and maintenance, referring in-network dentists approved by the dental insurance carrier for oral surgeries and other procedures that require a dental specialist.
For example, if employees need to see an oral surgeon on a DHMO plan, they would need to schedule an appointment with their primary dentist to confirm the need and refer them to an in-network service provider.
Group dental insurance plans can be a cost-effective way to help take care of your employees’ dental needs, improve employee satisfaction and increase employee retention. In addition to these advantages, group plans can also incur tax benefits for your business.
Specifically, employer contributions to a group health plan are considered “pre-tax” income, enabling participating businesses to offset payroll and income tax when it comes time to calculate liability.
Group dental insurance is an employer-sponsored benefit that helps pay for dental care expenses for employees and, depending on the plan, their dependents. Employers generally pay all or part of the dental insurance plan’s premium.
A dental preferred provider organization (DPPO) generally gives employees more flexibility to choose in-network dentists and specialists without selecting a primary dentist. A dental health maintenance organization (DHMO) typically costs less but requires employees to select a primary dentist, who can provide referrals to specialists, and use providers within the plan’s network.
A DPPO may provide some coverage for services received from out-of-network dentists. However, employees will often have higher out-of-pocket costs when they receive care from a provider outside the plan’s network.
Yes. Employers may offer an employer-paid plan in which the business pays most of the cost or a voluntary plan in which employees are responsible for the cost. The appropriate approach will depend on the organization’s benefits strategy and workforce needs.
Give one of our employee benefits specialists a call today to find out what Higginbotham can do for you.