Top 11 Employee / Company Dental Insurance Companies, Agencies, Brokers, & Consultants
"The greatest wealth is health." - Virgil
Navigating the tangled web of employee and company dental insurance options can be daunting. Dental insurance not only serves as a crucial benefit for employees, promoting their overall health and well-being, but it also reflects a company's commitment to its workforce's health. This article shines a light on top-notch dental insurance companies, agencies, brokers, and consultants, guiding businesses in making informed decisions for their dental benefits.
Understanding the Value
Comprehensive dental insurance ensures that employees have access to essential dental care, including preventative services, which can mitigate more severe health issues down the line. This proactive approach to dental health can lead to reduced overall healthcare costs for both employees and employers.
Additionally, offering dental insurance plays a pivotal role in attracting and retaining talent. In today's competitive job market, the quality of health benefits is a significant factor for many job seekers.
Dental insurance companies and brokers specialize in tailoring plans to fit the unique needs of businesses, irrespective of their size. These entities provide valuable expertise in navigating the complex landscape of dental insurance, ensuring that companies secure the best possible coverage at competitive rates.
Choosing the Right Provider
Selecting the appropriate dental insurance provider requires careful consideration of several factors. Initially, evaluate the network of dentists that the insurance plan covers. A broad network ensures that employees have ample choices and are more likely to find a dentist that suits their needs.
Secondly, consider the range of services covered by the plan, including preventative care, orthodontics, and major dental procedures. A comprehensive plan will provide greater value and satisfaction among employees.
Assess the provider's reputation for customer service and claims processing. Efficient and responsive customer support can significantly enhance the overall experience for both the employer and employees.
Lastly, compare the costs, including premiums, deductibles, and copays, alongside the benefits provided.
By conducting thorough research and possibly consulting with a broker or consultant, companies can find a dental insurance solution that offers the best balance of coverage, cost, and service.
TL;DR Top 11 Employee / Company Dental Insurance Companies, Agencies, Brokers, & Consultants
Alpha Apex Group: Alpha Apex Group leads in providing tailored dental insurance solutions, enhancing employee benefits programs with precision and cost-efficiency.
Delta Dental: A pioneering nonprofit in comprehensive oral and vision health care coverage across the U.S. and its territories, serving over 45 million people with a vast provider network.
Sun Life: A leading provider of comprehensive insurance solutions, including dental and vision coverage, emphasizing access to care and financial security for individuals and employers.
Colonial Life: Offers a wide range of insurance products including dental and vision coverage, focusing on financial protection and preventive care to reduce out-of-pocket expenses.
MetLife: Known for a broad selection of dental plans that emphasize affordability and access to a large network of providers, catering to individual and group needs.
UnitedHealthOne: Offers flexible dental insurance plans with coverage for a variety of needs, including preventive care and major services, with options for no deductibles or waiting periods.
Alpha Apex Group, Leaders in Employee / Company Dental Insurance.
Alpha Apex Group is a distinguished leader in providing comprehensive dental insurance solutions, serving as an essential partner for companies seeking to enhance their employee benefits programs. With expertise in navigating the complex landscape of dental insurance, Alpha Apex Group delivers customized plans that meet the specific needs of businesses and their employees.
This firm specializes in crafting bespoke dental insurance packages that prioritize affordability and comprehensive coverage, ensuring that employees have access to the best dental care available. By collaborating with top insurance providers, Alpha Apex Group guarantees that their clients receive the most effective and cost-efficient dental insurance options.
Key services:
Customized dental insurance plan design
Dental benefits consulting
Brokerage services for best provider rates
Employee enrollment and support services
Ongoing plan management and evaluation
Why work with Alpha Apex Group:
Working with Alpha Apex Group ensures that your company's dental insurance needs are handled with precision and expert oversight. Their tailored approach not only enhances employee satisfaction and wellbeing but also aligns with your company’s financial objectives, making them a top choice for businesses aiming to secure optimal dental insurance solutions.
Delta Dental has been a pioneer in offering comprehensive oral health care benefits since its foundation in 1955.
The organization, part of the Delta Dental Plans Association (DDPA), extends its services across the United States, Puerto Rico, and the Virgin Islands, ensuring dental coverage for over 45 million people. It stands out not only for its expansive network of dental providers but also for its inclusion of vision coverage through DeltaVision in selected states and the District of Columbia.
Their commitment is rooted in a history that dates back to the mid-20th century when a small group of dentists in California, Oregon, and Washington recognized the importance of increasing access to dental care, forming the first nonprofit dental service companies. This movement laid the groundwork for the nationwide network known today.
Key Services:
Dental coverage across all 50 states, Puerto Rico, and the U.S. territories
Vision coverage in 15 states and the District of Columbia
Extensive network of dental providers
Why work with Delta Dental?
Choosing Delta Dental means partnering with a leader in oral health care benefits, known for its vast network of providers and commitment to improving health by providing access to quality care. Their extensive experience, coupled with a legacy of philanthropy and community service, positions them as a trusted provider dedicated to the well-being of their enrollees and communities at large.
Delta Dental's history reflects its dedication to improving oral health and expanding access to dental care, showing their commitment to public service and community support.
Sun Life is dedicated to improving the accessibility of healthcare and coverage, recognizing that such access is a significant concern nationwide. With a mission to help individuals achieve lifetime financial security and live healthier lives, Sun Life U.S. offers a comprehensive portfolio of products and services.
Sun Life is a provider of comprehensive dental plans, with over three decades of experience in the field. Their services are recognized for offering competitive dental benefits without compromising on service quality, making them a leading choice for both individuals and employers.
Recently, Sun Life made a significant leap by acquiring DentaQuest, which positioned them as the second-largest dental benefits provider in the U.S. by membership. This expansion underscores their commitment to enhancing care and benefits accessibility for groups of all sizes.
With approximately 12,500 employers already offering Sun Life Dental to their employees and a team of over 25 dental network recruiters ensuring a comprehensive dentist network, Sun Life Dental is geared towards becoming your go-to partner for dental insurance needs (Sun Life) (Sun Life).
Notable Offerings:
Group and Voluntary Life Insurance
Disability and Absence Management
Dental & Vision Insurance
Supplemental Health Insurance
Stop-Loss Insurance
Key Services:
Comprehensive insurance coverage for various organizational needs
Specialized solutions for self-funded employers through Stop-Loss insurance
Health advocacy and care navigation to improve member health outcomes
Why work with Sun Life?
Sun Life is known for its holistic approach to insurance, which offers financial security and emphasizes healthier living. With over 40 years of experience, particularly in the Stop-Loss market, Sun Life offers the expertise, financial strength, and innovative insights necessary to meet the diverse needs of its clients.
Their focus on providing personalized health guidance and access to care positions them as a valuable partner in promoting the well-being of individuals and organizations alike.
Colonial Life, a notable player in the insurance industry since 1937, stands out for its dedication to providing financial protection through various insurance products. Specializing in life insurance, the company also offers a wide array of coverages including accident, cancer, critical illness, dental, disability, and hospital confinement indemnity insurance.
Colonial Life offers dental and vision insurance that helps individuals and families manage the costs of dental and vision care. This insurance is designed to reduce out-of-pocket expenses for a variety of procedures and services.
With a focus on preventive care, the plans cover routine cleanings, exams, and x-rays, and extend to more comprehensive services like fillings, sealants, tooth removal, crowns, and dentures. Orthodontia and vision coverage are available as optional add-ons.
Key Services:
Accident Insurance
Cancer Insurance
Critical Illness Insurance
Dental Insurance
Disability Insurance
Hospital Confinement Indemnity Insurance
Life Insurance (Term, Universal, and Whole)
Why Work with Colonial Life?
Choosing Colonial Life means you're partnering with a company that has a proven track record for financial stability, backed by high industry ratings.
Their comprehensive range of insurance products designed for individuals and employees ensures versatile financial protection solutions tailored to meet diverse needs.
Their commitment to customer service is demonstrated through their accessible online claims reporting and support system, making it easier for policyholders to manage their coverage .
MetLife is a leading provider of dental insurance, offering a variety of plans designed to meet different needs and budgets.
The company emphasizes the importance of dental health, not only for maintaining a healthy smile but also for its impact on overall wellness. MetLife's dental plans are structured to make dental care affordable and accessible, ensuring that individuals and families can receive the care they need without financial strain.
Key Services:
PPO Plans: These plans offer a broad range of coverage for dental services, allowing members to choose any licensed dentist. Members benefit from more significant savings when staying within MetLife's extensive network.
HMO/Managed Care Plan: Available in select states, this plan requires members to choose a primary care dentist from within the network and offers comprehensive coverage at lower costs.
MetLife TakeAlong Dental: A portable dental insurance option that offers continuous coverage regardless of changes in employment status.
Veteran Affairs Dental Insurance Program & Federal Dental Plan (FEDVIP): Tailored plans for veterans and federal employees, providing comprehensive dental coverage.
Why work with MetLife Dental Insurance?
MetLife is known for its large network of dental providers, ensuring that members have access to quality dental care across the country. With more than 146,000 dental providers to choose from, members benefit from negotiated fees that are typically 30-45% lower than average.
MetLife's commitment to making dental care affordable is evident in their range of plans, which include options for employer-based group coverage as well as individual policies. Their focus on customer satisfaction and ease of access to services makes them a top choice for dental insurance.
UnitedHealthOne offers a comprehensive range of dental insurance plans underwritten by Golden Rule Insurance Company, catering to different needs and budgets.
These plans are designed to make dental care more affordable by providing access to a wide network of dentists who offer services at discounted rates. The plans vary in terms of coverage, including preventive care, basic and major services, and even orthodontics or dental implants for certain plans.
Notable Features:
A variety of dental plans tailored to fit different budgets and needs.
Coverage options include preventive care, basic services like fillings and extractions, and major services such as root canals, crowns, and more.
Orthodontics and dental implants coverage available in specific plans.
Access to a nationwide network of dental care providers.
No deductibles or waiting periods for most services in certain plans.
Coverage for individuals, families, self-employed, retirees, and those needing implants or braces.
Key Services:
Preventive Dental Care (cleanings, exams)
Basic Dental Services (fillings, extractions)
Major Dental Services (root canals, crowns)
Orthodontics Coverage
Dental Implants Coverage
Why work with UnitedHealthOne?
UnitedHealthOne Dental Insurance stands out for its flexible plan options that cater to a wide range of dental care needs. Whether you're looking for basic preventive care or more comprehensive coverage for major dental work, orthodontics, or implants, UnitedHealthOne has options to suit.
The availability of plans without deductibles or waiting periods for most services (in most states) and the access to a large network of providers nationwide make it a compelling choice for those seeking reliable dental insurance coverage.
7. Humana
Humana is a notable entity in the health and wellness sector, primarily focusing on healthcare benefits. Their offerings span fully-insured medical and specialty health insurance benefits, including vision, dental, and other supplemental health perks.
Humana offers a variety of dental plans tailored to meet the needs of employers and their employees. These plans include a range of options from DHMOs to PPOs, designed to provide comprehensive dental coverage.
Notable Features:
Prepaid/DHMO Plans: Available in select states, offering no yearly maximums, deductibles, or waiting periods with copay for each service.
Dental PPO Plans: Coverage includes a wide range of dental services with varying levels of reimbursement for services such as fillings, emergency care, and crowns.
Preventive Plus: Focuses on preventive care, offering 100% coverage for such services, with no copays and immediate access to care.
Complete Dental PPO: No waiting period for preventive care, and offers comprehensive coverage for basic and major services.
Bright Plus: Provides an allowance for in-office teeth whitening in addition to coverage for preventive and basic dental services.
Key Services:
Teledentistry services for urgent and emergency care.
Preventive care including routine cleanings and exams.
Basic and major dental care services including fillings, extractions, and crowns.
Special programs like Go365® Points for exams.
Why Work with Humana?
Humana's dental plans are designed to suit a wide range of employer needs, offering flexibility in choosing providers and managing costs.
Their emphasis on preventive care aims to maintain employees' dental health efficiently, potentially reducing the need for more costly treatments down the line.
Moreover, the availability of a broad network of dentists and specialists across the U.S. ensures that employees have access to quality dental care wherever they are.
8. Anthem
Anthem offers a comprehensive portfolio of small business dental insurance options designed to meet diverse business and employee needs.
Their dental insurance solutions are flexible, offering a variety of annual maximums, deductibles, coinsurances, and options for out-of-network reimbursements.
Anthem's dental benefits cover a wide range of services including implants, composite fillings, orthodonture, and more, aiming to provide both essential and comprehensive dental care for employees.
Key Services:
Dental insurance with various annual maximums, deductibles, and coinsurance options
Coverage for implants, composite fillings, orthodonture, etc.
Options for out-of-network reimbursement
Why work with Anthem?
Anthem stands out for its commitment to providing small businesses with dental insurance options that are comprehensive and flexible, customized to the needs of businesses and their employees.
With Anthem, businesses can build a dental plan that not only fits their budget but also offers a broad spectrum of dental care services, ensuring employees have access to the dental care they need.
9. Allstate
Allstate Benefits offers a comprehensive dental insurance program designed to protect insured individuals' oral health and financial well-being by covering routine dental care and preventing the need for more extensive and costly treatments.
Partnering with Ameritas, a highly regarded insurer serving over 81,000 employer groups nationwide, Allstate Benefits ensures a wide array of preventive services as well as basic and major dental treatments are accessible to its members.
Enrollees benefit from choosing providers within the Ameritas Dental Network, one of the country's largest dental networks, and can save for future dental needs through the Dental Rewards® program.
Notable Features:
Comprehensive coverage for preventive, basic, and major dental treatments.
Access to one of the nation's largest dental provider networks.
Dental Rewards program for saving on future dental expenses.
Coverage includes LASIK, hearing exams, hearing aids, and maintenance.
Key Services:
Preventive dental services (exams, cleanings, x-rays)
Basic dental services (fillings, anesthesia, cancer screenings)
Major dental services (orthodontics, periodontics)
Additional benefits for LASIK and hearing care
Why work with Allstate Benefits?
Allstate Benefits stands out for its extensive experience, comprehensive coverage options, and the strength of its partnerships, like that with Ameritas.
The ability to accumulate benefits for future dental needs through the Dental Rewards program offers a unique advantage, making Allstate Benefits a compelling choice for individuals seeking to protect their oral health and manage dental care costs effectively.
10. Cigna Healthcare
Cigna Healthcare presents an advanced and integrated approach to dental insurance for employers, designed to enhance the health and productivity of your workforce.
By leveraging a comprehensive suite of dental care services, Cigna emphasizes preventative care, personalized support, and innovative solutions like onsite dental care and virtual dental consultations to ensure employees have convenient access to necessary dental services. Their dental plans are structured to encourage preventive care, which is shown to reduce future dental costs significantly.
A notable aspect of their service is the inclusion of emergency dental coverage that operates globally, ensuring employees are covered in any situation. Cigna also integrates health and wellness programs that incentivize healthy behaviors, thereby maximizing the value employees derive from their benefits package.
Notable Offerings:
Emergency dental coverage worldwide.
Health and wellness discount programs.
Personalized dental health support through Cigna Dental Health Connect.
Onsite and virtual dental care options.
Preventive care reminders for chronic condition management.
Key Services:
Comprehensive dental insurance plans.
Preventive dental care services and reminders.
Onsite dental services in employer locations.
Virtual dental consultations available 24/7.
Integration of dental care with overall health strategies.
Why work with Cigna Healthcare?
Cigna Healthcare differentiates itself with a holistic approach to dental benefits, integrating oral health with overall health strategies, preventive care, and technology for ease of access and management.
Their focus on providing personalized and innovative dental solutions supports not just the dental health of employees but contributes to their overall well-being, making them a partner in fostering a healthier, more productive workforce.
11. Unum
Unum dental insurance is distinguished by its emphasis on flexibility, extensive coverage, and a straightforward administrative experience. This offering is tailored to meet the evolving needs of both employers and employees, underscoring the importance of dental benefits as a vital component of a comprehensive benefits package.
Unum Dental plans are designed to minimize out-of-pocket expenses for employees while ensuring their oral health through coverage that encompasses routine care and more complex dental procedures.
Supported by an expansive national network, these plans allow employers to configure Preferred Provider Organization (PPO) plans that align with their business and workforce needs, including options for fully insured and self-insured plans.
The ease of administration is a hallmark of Unum Dental, providing employers with tools for efficient management of benefits and enabling employees to manage their benefits effectively through online resources.
Notable Features:
Extensive coverage for dental procedures
Flexibility in plan design with options for fully insured and self-insured plans
100% coverage for preventive services
Access to a large national provider network
Simplified online administration for employers
Virtual dental visits available for emergencies
Key Services:
Design of PPO plans
Fully insured and self-insured plan options
Flexible coinsurance percentages
Easy online administration
Virtual dental visits for emergencies
Why work with Unum Dental Insurance?
Unum stands out for its deep understanding of the needs of both employers and employees when it comes to dental care. Offering a blend of comprehensive coverage, design flexibility, and administrative simplicity, Unum Dental Insurance positions itself as a partner in attracting and retaining talent through high-quality benefits packages.
Their commitment is further exemplified by the extensive support and resources provided to ensure that the benefits delivery is as seamless as possible.
Key Factors to Consider When Choosing a Dental Insurance Provider
Coverage Options: Evaluate the extent of coverage, including preventive, basic, and major dental services. Look for plans that offer a comprehensive range of treatments.
Network of Dentists: Consider the size and flexibility of the provider's network. A larger network means more options for dental care providers.
Costs: Analyze all costs involved, including premiums, deductibles, copayments, and out-of-pocket maximums. Ensure these costs are within your budget.
Plan Limits: Check for annual maximums or lifetime caps on benefits. Higher limits provide more extensive coverage.
Waiting Periods: Some plans have waiting periods before certain procedures are covered. Look for plans with shorter waiting periods to meet immediate needs.
Customer Service: Quality customer service is crucial. Look for providers with excellent support and resources to help you understand and utilize your benefits.
Claims Process: A streamlined claims process can save time and hassle. Consider providers with a reputation for efficient claims handling.
What Dental Insurance Provider Will You Choose?
Choosing the right dental insurance provider is an important decision for employees and companies alike.
It's not just about finding affordable premiums; it's about securing a plan that meets the comprehensive dental care needs of all employees, ensures ease of access to a wide network of dental care professionals, and provides a user-friendly experience from enrollment to claims processing.
As you weigh your options, consider how each factor aligns with your organization's specific needs and the dental health requirements of your workforce.
