Frequently Asked Questions

Group dental coverage can help employees budget for covered preventive and restorative care and strengthen a benefits package. Its value depends on participating dentists, annual maximums, waiting periods and employee costs; it does not guarantee better productivity or retention. Compare benefits employees can actually use.

Dental options may include PPO plans with network and out-of-network benefits, managed-care plans with designated participating dentists, and indemnity arrangements. Compare actual networks, reimbursement rules, deductibles, annual maximums and waiting periods rather than assuming one plan type is always cheaper.

Important factors to consider include whether employees can choose their own dentists, who controls treatment decisions, what services are covered, whether specialists are included, and how out-of-town emergency care is handled.

Primary Care Insurance Solutions (PCIS) can compare dental proposals using your employee census, contribution budget and preferred dentists. Review preventive, basic and major services, annual maximums, waiting periods and enrollment rules before choosing. Ask for a comparison that separates employer and employee costs.

Prepare an employee census, current plan or renewal, desired effective date and employer contribution budget. Identify important dentists and coverage priorities, then compare proposals on the same assumptions. Contact Primary Care Insurance Solutions (PCIS) to review options and plan the enrollment schedule.