Like other types of insurance coverage, group dental plans in Texas are offered as both a managed care service and indemnity plans. With dental coverage under a managed care plan, your employees have access to a network of dental providers from which they receive discounted dental care, providing they see a dentist that is part of the network.
While indemnity plans do typically give employees more options, they must pay out of pocket for the initial costs before being reimbursed by the insurance company. This can be an issue for some employees since dental procedures that involve surgery can involve expensive upfront costs.
Need to figure out the basics of providing an employer-sponsored group dental plan? This article explains the details and some important things to keep in mind.
Here are some of the common procedures and services that are often covered as part of group dental insurance:
Most group dental plans use a tiered coverage system, meaning that some services are covered more than others. Preventive care and checkups are generally covered at the highest percentage, followed by common procedures like fillings and root canals. Major surgeries, as expected, have the highest out of pocket costs for employees under a group dental plan.
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