Employer-sponsored dental insurance allows employees to opt in or out of coverage. By allowing employees the opportunity to opt out, they are able to save on health care expenses. Additionally, the employees pay the premiums, sometimes from a payroll deduction while the employer only makes a smaller contribution.
Regular checkups and cleanings lead to better oral health and overall well-being. Providing some type of dental insurance makes employees more willing to seek preventative care. Voluntary plans provide custom options to cover everything from annual exams to x-rays and surgical procedures.
Since the plan is voluntary, employees cover all the premium costs. The group rate is lower than if each applied for an individual insurance plan. Voluntary dental plans may also include a waiting period to prevent abuse of the system.Browse Full Glossary