Group Dental

What Is Group Dental Insurance?

More people have some type of Group Dental Coverage now than ever. Basic dental plans generally cover most of the cost of dental treatments ranging from x-rays, exams, dental cleanings, fillings, tooth extractions, crowns, root canals and chipped tooth repairs, etc.

Why Provide Group Dental Insurance?

  • Providing the right mix of employment benefits is important business strategy for attracting and retaining quality employees. Group dental coverage is one component of that mix that is highly valued by employees and their dependents.

  • It provides efficiency and productivity as employees are assured of security for themselves and their families.

  • Premiums are generally tax deductible as a corporate expense, reducing the overall cost of coverage.

What Types Of Plans Are Available?

  • Indemnity Policies - employees are free to choose their own dentist.

  • Preferred Provider Organizations - employees can choose a dentist from a provider network, or use someone outside of the network for a higher deductible and higher co-pay.

  • Health Maintenance Organization - employees must use a dentist in the network to be reimbursed for part or all of the costs.

  • Discount Dental Plans - offer substantial savings on all procedures. Employees must use the dentist in the provider network book, which also includes the list of scheduled discounts for all procedures. Rates start at only $4.00 a month for individuals and $6.00 a month for families. These plans can be issued in as little as one day, so you can get immediate coverage with no claim forms, no deductibles, and no pre-existing condition limitations. These plans include not only Dental but additional networks for Vision, Hearing, Chiropractic, RK Surgery, Dermatology, Prescriptive Drugs, Cosmetic Surgery and Massage Therapy, and are a great value.

Vision and Hearing Discount Networks are usually included on all the above plans.

What's Covered?

  • The above plans specify a schedule of procedures and the amount of the benefit provided, along with the employee copay, if any. These are generally listed in the Provider’s Benefit Booklet.

  • The Provider Benefit Booklet will also provide a list of dentists in the network from which you can choose. Based on the type of plan you choose, you may be able to choose your own dentist.

  • Be sure you review how payments and plans are set up before making an appointment with any dentist.

For a quick quote, contact one of our Employee Benefit Specialists at (504) 441-7283 or complete the Online Quote Request form and you will be contacted immediately.

How Can Dan Burghardt Help You?

  • We shop and compare rates with multiple companies, including DentaMax, Louisiana Dental Plan, Blue Cross, Humana, Dina Dental, Professional Dental Network, and United Health Care, providing savings of 30% and more.

  • Our Group Specialist will work with you and discuss a variety of plans and premiums that best fit your budget. You can request quotes for combination packages of health, dental, life, and disability, and for the most part, we shop these products separately and buy packages, if available. Some companies that write health do not necessarily write disability.

  • We will continue to shop for competitive quotes when it’s time to renew. Our group specialist will review the availability of group rates and benefits at each renewal, and will bring any savings and improvements to your attention for consideration.

  • Most of our carriers provide online applications and enrollment tools to simplify the administration services required to maintain these employee benefits.
  • These services are provided at no extra cost.

For a quick quote, contact one of our Employee Benefit Specialists at (504) 441-7283 or complete the Online Quote Request form and you will be contacted immediately.