Group Dental Insurance Plans

Dental plans are usually structured into three categories:

• Preventive (often 100% covered): Exams, cleanings, X-rays

• Basic (typically 70–80%): Fillings, extractions

• Major (typically 50%): Crowns, root canals, dentures

 Orthodontics (like braces) is often optional or only included for dependents. 

Yes, many plans include waiting periods

• Preventative plans usually have no waiting period
• Basic plans average anywhere from 3 to 6 months
• Major plans average anywhere from 6 to 12 months

Some carriers waive waiting periods for groups switching from another plan.

Yes, dental is one of the most valued, low-cost benefits:

• Improves employee satisfaction and retention
• Encourages preventive care (reducing bigger health issues)
• Relatively inexpensive compared to medical insurance

It’s often expected in competitive benefits packages.

Key factors include:

• Network size and dentist access
• Annual maximums
• Coverage percentages
• Waiting periods
• Orthodontia options
• Employee contribution strategy

current tax rates and supporting accurate payroll reporting and filings. This helps reduce compliance risks and ensures payroll obligations are handled properly.