Group Dental Insurance
  • Register

Group Dental Insurance


Group Dental Insurance Harman Stone 

Group dental insurance is designed to pay a portion of the costs associated with dental care for employees and their families.  Group dental insurance began to become very popular in the early 1970's.  It is estimated that between 1970 and 1990, the percentage of employees with group dental insurance rose from 5% to 60%.  Now, it is estimated that 74% of U.S. employees are offered group dental insurance.

There are several different types of individual, family, or group dental insurance plans grouped into three primary categories:

  • Indemnity - an form of group dental insurance that does not use any type of managed care.  It allows you to see any dentist you want who will accept this type of coverage;
  • Preferred Provide Network dental plans (PPO) - which are the least restrictive form of managed care; and
  • Dental Health Managed Organizations (DHMO) - in which you are assigned, or select, an in-network dentist and/or in-network dental office and use the dental benefits for that network.


Dentists offices usually have a fee schedule, or list of prices for the dental procedures they offer.  Dental insurance companies have similar fee schedules which are generally based on the Usual, Customary and Reasonable (UCR) dental fees for that area.  The fee schedule is commonly used as the transactional instrument between the insurance company, dentist and the insured.

Employee Benefits for Small and Medium Sized Businesses

Employee Benefits
Employee Benefits
For most of history, employees did not receive any type of “employee benefits.”  They simply received their direct wages for time actually worked.  Beginning in the 1940’s, this changed.During World War II and the years immediately ...
Read more

Group Health Insurance for Small & Mid Sized Businesses

Group Health Insurance
Group Health Insurance
Group Health Insurance Group health insurance is a policy that is purchased by an employer and coverage under it is offered to eligible employees and their families.  This is not only an employee benefit the employee receives for working for ...
Read more

Workers' Compensation Insurance for Small and Medium Sized Businesses

Workers' Compensation Insurance
Workers' Compensation Insurance
Commercial Insurance
Workers’ compensation is a form of insurance that covers the medical and rehabilitation costs of employees if they’re injured on the job, as well as some lost wages.  Generally, having insurance that covers these costs means employees give ...
Read more