Dental Coverage
Group dental coverage is one of the highest-used benefits in any package, employees expect it, use it annually, and notice when it's absent.
Dental Coverage
A well-designed dental plan covers preventive care at 100%, basic restorative work at meaningful levels, and major services with reasonable cost-sharing.
What You Need to Know About Dental Coverage
Preventive, Basic, and Major
Dental plans are structured in three tiers: preventive (cleanings, X-rays, typically 100% covered), basic restorative (fillings, extractions, typically 70–80% covered), and major services (crowns, bridges, dentures, typically 50% covered). Understanding the cost-sharing at each tier matters for employee experience.
Annual Maximum
A dental plan's annual maximum caps what it pays in a year. An employee with major dental work can reach it, so the maximum is worth weighing against how your employees actually use dental care.
Orthodontia
Orthodontic coverage is a separate benefit tier with a lifetime maximum, not an annual one. It's particularly relevant for workforces with younger employees or those with families. Employer-paid ortho coverage is a meaningful differentiator in competitive hiring markets.