Group dental insurance is typically available to companies with two or more employees (also available for individuals & families). Many types of plans are available, with or without employer contribution toward the cost. Group plans are offered through employers. Most dental plans cover some combination of the following:

-Preventative/Diagnostic Care (cleanings, x-rays, etc.)
-Basic Restorative (fillings, anesthesia, tooth removal, endodontics, perio)
-Major Restorative (crowns, bridges, and dentures)
-Orthodontics (braces, teeth straightening)

Indemnity
Use any dentist; insurance carrier pays claims.
Typically: 100% Preventive services; 80% basic services; 50% major services; $50 deductible (for basic & mjor services only); $1000 maximum/year.

Dental Health Maintenance Organization (DHMO)
Capitation / Reduced Fee
Must use participating dental offices. These offices have agreed to charge members reduced fees for covered services. There are usually no claim forms, deductibles or maximum benefit limitations. Member pays dentist the contracted reduced fee. Generally the lowest cost dental option available.

Preferred Provider Organization (PPO)
Use participating dental offices that have agreed to charge specified fees, thus reducing your out of pocket expense. Insurance carrier pays claims. You still have the option of using a non-PPO dentist.

Direct Reimbursement
Use any dentist. Employer reimburses employees dental bills based on a schedule of payment. Typical schedule: 100% of first $100; 80% of next $500; 50% of next $1000. Can be administered in-house or by a Third Party Administrator (TPA). We provide direct reimbursement administrative services.

Dual-Choice
Employees have the choice between DHMO and PPO or indemnity plan.

Self-Funded
Employer offers indemnity type coverage and assumes the risk of paying claims. Can be administered in-house or by a Third Party Administrator (TPA).