Dental plans for group are available to small, medium and large organisations and make economic sense to the employers. Having said that, they should only be bought if the employees will use them regularly. Group dental plans are thriving in popularity and these ‘employee-pay-all’ types of rewards can be seen as ideal for businesses looking to expand their benefit packages without increasing company costs.  Group dental coverage plans can be bought through lots of providers including Aetna, Avia as well as Affordable Family Health Services (AFHS) who offer small business dental plans.

The way group dental plans are administered may vary from company to company.  For example, if the employer presents a contributory plan, based upon the employer sharing in the cost of the premium, the minimum employee participation is 75% . If the employer offers a non-contributory program, based upon the employer covering the full cost of the premium, the carriers require 100% participation. The providers may make use of information based on demographics ( such as location of the group), age of employees, and gender. For bigger employer groups, claims experience may also used to compute premium rates.  Employees can choose coverage for themselves and/or dependents at a level to best suit their needs. Grouped plans are an ideal way to provide dental coverage for your employees, but be sure that they are getting good quality as well.