Capital Insurance Group: Offer Dental Insurance Options
With Capital Insurance Group as your benefits solution provider, we can enhance your program with Group Dental plans. Group Dental insurance can be offered as a traditional plan, where employees can choose their own dentist and receive more flexibility and higher coverage levels for dental work, or you can opt for a preferred provider plan, a prevention and minor-restorative plan, or a dental maintenance organization (DMO) plan.
Each plan comes with its own deductible structure and rules, but all provide affordable options for both you and your employees. Some dental plans will cover orthodontic care and other appliances, and many offer dependent coverage.
Inside Dental Plan Options
- Dental Health Maintenance Organization (DHMO) – Coverage is only provided when you visit dentists who are in-network with the insurance plan.
- Dental Preferred Provider Organization (DPPO) – Coverage is provided with in-network or out-of-network dental care providers, but you will typically pay less with an in-network dentist.
- Dental Indemnity Plan – Coverage is provided for any dentist you choose, with no difference in cost.
National surveys continue to cite dental coverage as one of the benefits that employees value most. For example, 62% of employees view dental coverage as essential to their benefit package, according to a study by the National Association of Dental Plans (NADP). The type of plan you choose depends on various factors. Our employee benefits experts will help you determine which will be right for you and your company.