Group Dental and Vision Coverage
In addition to medical, disability and life insurance, dental and vision coverage are popular group benefits for both employers and their employees. Health Insurance Depot offers dental and vision plans that provide the option to select any desired dentist or optometrist as well as a variety of benefit options.
Most dental plans pay 100% on preventive care, 80% on basic services such as fillings, and then offer a variety of coinsurance levels and waiting periods for major services. In addition, the vision plans offered ensure you have a wide choice of accessible professionals and vision care products.
Employers can pay the full cost of coverage or make it completely voluntary for employees to pay a portion, or all of the costs through payroll deduction. Let us help you find the best dental and vision options for you group benefit package.
Dental and vision insurance is very similar to health insurance in regards to the different forms of insurance. The two main types of coverage include managed-care plans and indemnity plans.
- Managed-Care (PPO & HMO)
Under a managed-care plan, individuals and families have access to a network of medical professionals that agree to perform services for patients at highly discounted pre-negotiated rates. Typically, they will also submit the claim to the insurance company for you. If the patient chooses to see a professional who is not designated as a "preferred provider" or within the "network" that patient may be required to pay a greater share of the fee-for-service. - Indemnity Coverage
Indemnity coverage allows the individual or family to choose any doctor or dentist of their choice to receive care with no additional fees. A monthly premium is paid by the insured and/or the employer to an insurance company, which then reimburses them for the services rendered. The insurance company usually pays between 50% and 80% of the doctor office fees depending on the covered procedure performed. The remaining 20% to 50% is paid by the insured. Similar to the managed-care coverage, these plans often have a pre-determined or set deductible amount which varies from plan to plan.
At Health Insurance Depot we have many different dental and vision plans to satisfy your needs and budget...Complete our free quote request below for more information!
