Dental Insurance

Dental Insurance

Much like health insurance, dental insurance is typically offered through employers as part of an employee benefit package. However, if you're self-employed, or your employer doesn't offer dental insurance, what are your options? At Southwestern Benefit Designers we can help. Currently we offer both individual and employer-sponsored plans.

Group Dental Insurance:

Group dental insurance is often defined as employer-sponsored plans. With these plans, your employer selects the insurance carrier or dental plan which is offered to full-time and potentially part-time employees.

Typically, and unlike health insurance, group dental insurance is written on what is called a "guaranteed issue" basis. Guaranteed issue means that the insurance company or dental plan will take all enrollees regardless of health status or previous dental claim history.

Individual Dental Insurance:

Individual dental insurance is available in many states to individuals and families who either do not have access to an employer-sponsored plan, or prefer to have their own plan with the individual carrier of their choice. Individual dental plans are only available through a small number of carriers, and benefits vary greatly. Individual plans can also be cost-prohibitive for some. There is, however, an alternative: Discounted Dental Plans.

Discounted Dental Plans:

Unlike dental insurance, a discounted dental plan is NOT insurance. A discounted plan provides you with access to dentists who will offer you a discount on their normal fees if you are a member of the discounted dental plan. At Southwestern Benefit Designers, we also offer discounted dental plans for those individuals, families and employer groups who want a more economical option to traditional dental insurance. In addition to affordability, the available services increase as well.