Borawski Insurance

Group Dental Insurance

Group Dental Insurance is one of the most requested benefits by employees and is one of the most popular employee benefit programs offered by employers.

It is a fairly inexpensive benefit plan so it is important that employers evaluate the need for such a plan. Items to consider include:

* Long term costs of the plan

* Should the plan be fully insured or voluntary

* Is the plan necessary to attract and retain employees

* Are other employers in your industry offering the benefit

Rather than purchase an insured dental plan, many employers determine how much they are willing to pay for a dental plan and contribute that amount through their cafeteria plan. This approach is very effective in controlling plan costs. The table below provides a summary of typical plan requirements.

Typical Plan Design Provision

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Group Size

5 or more employees for full coverage

Preventive only plans start with 2 or more employees

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Benefits

80% – 100% Preventive Care

60% – 85% for Minor Restorative Care

40% – 60% for Major Restorative Care

50% for Orthodontia is usually optional by plan

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Benefit Amounts

An annual deductible of $25 or $50 usually applies to the restorative tiers.

Annual benefit maximum per employee ranges from $500 – $2000 with $1000 or $1500 being the most common amount.

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Rate Guarantees

Usually 1 – 2 years, 1 being the most common

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Plan Types

Traditional or Voluntary

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Your Group Dental Insurance plans are offered through the following carriers:

EB - Guardian Dental

*To find out more, please call (800) 625-1000 to speak with a Borawski Insurance Representative*