Benefits Visualized - Ancillary Benefit Series - Dental Plan Insights

As the second most offered employee benefit after medical coverage, dental insurance plays a vital role in employee wellness.
98% of employers offer dental insurance!
PPO Prevalence
- Over 80% of employers offer PPO plans, providing employees with choice and flexibility.
- 19% offer an HMO.
- 30% of employers offer more than one dental plan option.
Contributions
Employer contribution strategies vary, with the majority sharing the cost with the employees.
100/80/50 Coinsurance
This coinsurance structure for preventive, basic, and major dental services remains the standard choice for employers, unchanged for years.
Annual Max
While annual maximums have remained largely unchanged over the years, a gradual shift toward higher maximums is emerging.
Promoting the Plan
Recognizing the high value employees place on dental benefits, 24% of employers prioritized highlighting dental coverage over any other non-medical benefit during their last annual enrollment.
Ortho
Orthodontia is a popular addition to many dental plans. The most common lifetime maximums are:
- $1,500 (31% of employers)
- $1,000 (30.5% of employers)
- $2,000 (17% of employers)
Plan Features
Additional policy improvements have become available to modernize the dental plan.
THE TOP 3 OFFERED BY EMPLOYERS ARE:
- Preventive services not accruing to the annual max – 14%
- Extra cleanings for those with certain conditions – 13%
- Rollover annual maximum – 7%
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