Higginbotham Group Dental Insurance

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Group Dental Benefits

Group dental insurance plans can be a cost-effective way to help take care of your employees’ dental needs, improve employee satisfaction and increase employee retention. In addition to these advantages, group plans can also incur tax benefits for your business.

Group dental plans are usually available in two common varieties.

Dental Preferred Provider Organization (DPPO)

While a dental preferred provider organization plan, or DPPO, can be considerably more flexible than a dental health maintenance organization plan, or DHMO, they’re often more expensive.

Rather than require the election of a primary dentist, a DPPO plan allows employees to visit any in-network dentist or oral care specialist of their choosing.

A DPPO doesn’t require a primary dentist referral as a prerequisite to visiting a specialist and may extend some degree of coverage for out-of-network service providers.

That said, out-of-network services often carry higher out-of-pocket costs.

Dental Health Maintenance Organization (DHMO)

Often the less expensive of the two group coverage options, a DHMO limits eligible dental service providers to a predetermined network of dentists and orthodontists.

After signing up for a DHMO dental plan, employees must select a primary dentist.

This primary dentist will perform the majority of preventive care, routine dental work and maintenance, referring in-network dentists approved by the dental insurance carrier for oral surgeries and other procedures that require a dental specialist.

For example, if employees need to see an oral surgeon on a DHMO plan, they would need to schedule an appointment with their primary dentist to confirm the need and refer them to an in-network service provider.

Specifically, employer contributions to a group health plan are considered “pre-tax” income, enabling participating businesses to offset payroll and income tax when it comes time to calculate liability.

Disclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.