Dental Insurance – Explained

Dental Insurance - Explained

Provide another Layer of Protection for Your Employees with Group Vision and Group Dental Insurance Plans.

If you provide group health benefits to your employees and want to add an another layer of protection with dental and vision, or if you are looking to start you benefit package with just dental and vision, CBIS Insurance Services can provide a multitude of options for you.

Having access to preventative care, helping to maximize their oral health and lower out of pocket costs can be extremely helpful for employees. Additionally, employees will have access to a wide selection of providers offering various services to cover basic & major procedures. In addition to all the added benefits, you are also providing an incentive for your employees to feel positive about their job.

Having access to group vision insurance can be extremely affordable and a great value add for employers to provide their employees. With most options available your employees will gain access to annual eye exams, as well as an allowance for glasses and or contact lenses, as well as access to a variety of optometrists and ophthalmologists at a relative low cost. Vision insurance is an exceptional low-cost option, where employees can get a lot of benefit for a small amount of premium.

CBIS Insurance, would be happy to help you provide your employees access to either group dental benefits, group vision benefits or both. Keep in mind that plans can also be setup as voluntary where the employees benefit from having a “group” rate but premiums are paid completely by the employees without any cost to the employer.

There are different kinds of Group Dental Insurance Options are Available:

Dental HMO Plans- These plans have no deductible and no charge for diagnostics and preventive services. We also have orthodontia benefits for adults and children.
Dental PPO Plans- Employees will have access to a nationwide dental network. No waiting periods so employees have access to benefits on the first day of coverage. You can design the plan with low annual deductibles and calendar year maximums.
Contributory- Where the Employer pays a portion of the cost for the employees
Non-Contributory- Where the Employer helps administer the plan by collecting and paying premiums but does not contribute to the plan keeping the Employer’s cost at $0.

There are different kinds Group Vision Insurance Options are Available:

Vision plans tend to be very similar and offer a lot of flexibility, you can create your plan to include benefits such as:

Eye exams with $0 co-payment
Customizable frame, lenses and polycarbonate lenses allowance
You get to customize the allowance – $120, $130 or $150
Voluntary vision plans, with no cost to your business are available.

Group Dental and Group Vision Insurance Coverage- The Benefits Of Having The Right Plan

These are just some of the benefits that your business can get once you invest in the right group dental and vision insurance plan:

Tax benefits for your business and employees. Most expenses an employer incurs related to group benefits for their employees are 100% tax deductible. For your employees, they can opt to use pre-tax money for vision and dental coverage.
Benefits play a big role when trying to recruit top talent and keeping it. A good group dental and vision insurance plan will help you get an edge over your competition. Better employment recruitment and retention.
Healthy and happy employees. Group dental and vision insurance not only provides coverage in the event of an emergency, but also provides preventative care, leading to happier and healthier employees.

Why CBIS Insurance agency?

Here are the reasons why you should trust CBIS with your group vision and dental insurance coverage:

We maintain a broad access to some of the best insurance carriers in the nation. We will help you customize your group dental and group vision benefits to fit the needs of your business and employees.
Our team of experts will be your consultants, providing you with the tools necessary to improve your benefits program and ensure you are compliant.
Our team will negotiate on your behalf with multiple carriers to ensure you have the best benefits possible at the most affordable price, depending on your budget and your needs.
We will help with the management of your Open Enrollment and ensure all employees have the necessary information to opt in or out of the group dental and/or vision benefits you are offering.
Our knowledgeable insurance experts will answer all your questions and guide you through the complicated world of group benefits, ensuring you have an understanding of every decision made throughout the whole process.