Finding the right group dental plan for your business will cover dental expenses of the group of people that work for you. Everyone that participates is covered under one policy. The higher numbers of people that are covered with a dental plan, the cost of coverage will be much lower.
Depending on the company, group dental insurance benefits can vary. The options that are usually offered are what they call an open panel and a closed panel plan. An open plan allows the employee to use any dentist that he or she chooses. A closed panel plan can only see the dentist that is allowed within the plan’s network.
With a PPO plan, (Preferred Provider Organization) the consumer fee’s are much less when he or she receives dental care from a provider who is on the dentist list, but the choice is within the network of dentists who perform the procedures, so there is no choice in choosing your own dentist. If they decide to choose a dentist that is not within the network, they pay much more.
EPO plans are very limited to any of the plans. The patient can receive a much lower rate, but the dentist has to be from the network list. If the patient chooses to not go with the network list, the plan will not cover the charges.
Both of these plans will vary, but both plans provide basic maintenance of oral hygiene. This usually includes, cleanings, fillings and dentures. Having a group dental plan will help the employee save money for him and even the extension of the family. The dental coverage that a business provides for the employees will help in maintaining loyalty to the company.
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