Online Group Dental Insurance

Is Dental Insurance Worth It?



The short answer is Yes, Dental Insurance is worth the price as long as you use it. Even if you have indiviual coverage your Dental Coverage pays for itself as long as you use it. However, to receive the best Dental Insurance coverage you will need to be a part of a group plan. Even if employers do not contribute to coverage the plans are still far more affordable and benefit rich than the individual options avaliable. This compounds the value of Dental Insurance and makes it a no brainer for groups to offer. If you are being offered Dental Insurance coverage by your employer the only way you should not be taking it is if you are already covered by another plan. Everyone has teeth and the statistics and benefits in oral health outlined below underline the disticintion that Dental Insurance is definetly worth it.

Dental Insurance helps individuals and groups take better care of themselves and their most important people in their lives their family.

    Benefits of Dental Insurance

  • White Teeth
  • Assists in Preventing Medical Conditions such as Respiratory Disease, Cancer, Osteoporosis, Heart Disease, and Strokes1
  • More affordable than going Uninsured
  • Promotes Healthy Teeth and stops problems from Exasperating
  • Prevents Smelly Breath
  • Gives you a reason to Smile
  • Assists in preventing Early Childhood Caries (ECC) which could cause speech impediments, and tooth decay2

While clean teeth is important; having good health, promoting good health for your children, and protecting your wallet health are just as if not more important. All individuals should go to the dentist for an exam and cleaning twice a year. Even if you are adamant about your dental hygiene and brush three times a day, you still need to visit the dentist. Some plaque is impossible to remove with just a toothbrush.

After you determine you are interested in getting dental insurance the question changes from 'Is Dental insurance worth it?' to 'Which Dental Plan provides the most value to me?'. The most important aspect of the latter question is 'most value to me'. Each individual has different needs depending where they are currently with their dental health, which providers they want to use, and how much they are willing to spend monthly on premium. There is one plan option if available that will always be a better option compared to alternatives. That option is an employer dental plan. Employer dental plans give you access to more affordable premium, enhanced coverage, and you are less likely to have a waiting period.

How to Find Affordable Dental Insurance

Now that you understand the various benefits of having coverage you should understand the various differences in coverage and networks cause a change in price. The biggest change occurs when looking at individual Dental Plans vs Group Dental Plans. Groups have signficantly lower rates and better coverage along with those rates. Generally individuals have to satisfy a waiting period and their cost is far more expensive. The most important thing a Group can do in finding Affordable Dental Insurance that fits their coverage needs is by using an online employee benefits quoting tool. Online quoting tools allow you to compare multiple Dental plans at once and see a thorough breakdown of the differences in coverage and price. Far better than the current method of receiving Dental Quotes by Email or quoting a provider not specialized for group benefits. I highly recommend starting the quote process below. It is free and you will be able to see the best options for your group also it is far more time saving than emailing carriers or consultants.


Dental Insurance Can Help Your Health?

Directly from CDC literature it mentions `Good Oral Health means lower rates of cancers, better control of diabetes, and fewer opioid prescriptions.`- 4 This is a powerful statement that shows the importance of taking care of Medical and Dental issues to prolong a healthy fruitful life. The stats back this up. `There are more than 2 million emergency room visits each year for dental emergencies.` -5 This is a staggering number that could be reduced if more individuals had Dental Insurance and actively went to yearly cleanings. The ADA with their reserach have found 'Signficant associations between oral health status and number of systemic diseases'. Such as Alzheimer's disease, Dentmentia, Obesity, Diabetes, Metabolic Disorders, Rhematoid Arthritis, and SEVERAL cancers. However, they did point out that despite strong associations that does not imply causation.6In 2021 The World Dental Federation (FDI) released a statement that `Oral health should be considered an essential element of general health and well-being`.7 This is a powerful statement that shows the importance of taking care of Medical and Dental issues to prolong a healthy fruitful life.

Dental Insurance Cost

The average cost of Group Dental Insurance is $20-$50 a month for an individual and around $70-$120 for a family. This is a small price to pay compared to the benefits you receive. Most preventive services are free with Dental Insurance and that generally includes two free cleanings each year. These cleanings alone are generally a few hundred dollars not including the x-rays and other preventive services that are at no cost. Individual Dental Insurance compared to Group Dental Insurance is far more expensive and more restrictive on benefits. Even if you have a group of 2 the benefits far outweight any cost in offering the coverage to your staff. Generally employers do not even have to contribute to give their staff access to signficiantly better coverage than they can get on their own. The discounts, education, and services dental insurance provides makes it a premier employee benefit plan option. Dental Insurance is a low cost solution for all groups to keep their staff happy and healthy.

  1. https://www.perio.org/consumer/gum-disease-and-other-diseases
  2. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5514393/
  3. https://www.cdc.gov/oralhealth/basics/index.html
  4. https://www.cdc.gov/oral-health/prevention/index.html
  5. Health Policy Institute. Emergency Department Visits for Dental Conditions — A Snapshot. American Dental Association; 2020. Accessed December 13, 2023.
  6. https://www.ada.org/resources/ada-library/oral-health-topics/oral-systemic-health/