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Dental Insurance For Small Businesses



When looking to offer employees an attractive compensation package, dental insurance is a valuable benefit to consider. Group dental plans are the third-most requested benefit by employees. These plans are an excellent way to retain high-quality employees while keeping your business budget in line. Similar to health insurance, dental plans help cover preventive care and make expensive procedures more affordable. Here are some important benefits of dental insurance for small businesses. Continue reading to learn more about dental plans for small businesses and how to make them a good fit for your business.


Besides coverage, the network of dentists covered by your dental plan is another key factor. It is essential that your plan covers the latest dental treatments, such as composite "white" fillings, sealants for teenagers, and comprehensive service for periodontal disease and implants. Small businesses should explore the dentists within their plan's network to determine if they are the best fit for them. They should also ask their broker about discounts for non-covered services and out-of-network providers.


While many companies offer group dental coverage, you may want to consider direct reimbursement. Direct reimbursement requires that the company's HR person administer the plan and submit the necessary paperwork Life Insurance For Small Business. However, it's better for those who enjoy better dental health. If you decide to go this route, be sure to read the policy carefully. It can save you money and help keep you compliant with tax regulations. Remember that you can receive the same tax benefits as large corporations.


As you can see, dental insurance for small businesses is an important aspect of any benefits package. While it isn't required for small businesses to provide dental benefits, it can be a valuable perk for your employees. Not only does dental insurance provide important benefits, but it also lowers the costs of preventive care. You may even find that you'll be able to retain workers if you offer dental benefits. The benefits of dental insurance are endless, so it's worth exploring the options.


Cigna's Small-Business plans cover basic coverage for employees and their families. However, they usually have higher out-of-pocket costs for treatments outside of the network. This is because Cigna's network of dentists is quite large. But that's still better than none at all. In addition, it includes a Flex Advantage feature, which is a bonus for small businesses. While Cigna's policies have higher out-of-network co-pays, they typically offer a lower annual maximum and less than half of the cost of a PPO policy.


A dental insurance policy offers coverage for various dental procedures, including major and preventative care. Some plans require a waiting period or graded coverage. For major dental care, however, they cover 80% of the cost, and only 50% for the rest. The cost of major dental procedures may exceed the limits of the insurance. For those with existing conditions, some companies may be exempt from coverage for this service, so be sure to discuss the details with your insurance provider before signing up.

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