Dental care is an important element of total health. Preventive services including dental exams, X-rays and cleanings often save you money over time. Maintaining healthy teeth and gums can help minimize major dental procedures in the future.
With the implementation of the Affordable Care Act, beginning January 1, 2014, there is a requirement in most states for “qualified health plans” to provide “preventive dental and vision” services for children under 19 years of age only. Depending upon the make-up of yourself or your family or the needs & budget of your small business, the decision to purchase dental insurance or not should be carefully considered.
Small Group Dental
Dental insurance for your employees as well as their dependents is often coupled with the small group medical insurance plan. In addition, there are a few carriers offering stand-alone dental for small businesses.
Small group standalone dental insurance can be paid entirely by the employer, entirely by the employee, or a cost-share between employer and employee. There are no participation requirements but there must be a minimum of two enrolling employees in the small group dental plan.
If you would like to explore small group dental options, please contact me.
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