Benefits Visualized - Ancillary Benefit Series - Dental Plan Insights

assurex global dental plan highlights

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!

 


Screenshot 2025-03-14 at 11.21.29 AM

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.


Screenshot 2025-03-03 at 4.12.24 PMContributions

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.


Screenshot 2025-03-03 at 4.16.55 PMAnnual 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. $1,500 (31% of employers)
  2. $1,000 (30.5% of employers)
  3. $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%

Copyright 2025 Assurex Global. Used with permission.