Voluntary Dental Insurance

The need for voluntary dental insurance plans is on the rise as costs for dental services continue to increase. Before choosing a dental plan, there are some important factors to consider. Any dental insurance plan should include preventative, basic or restorative, and major dental coverage. While most plans have preventative and basic, many plans do not cover major procedures such as bridges, crowns, dentures, and root canals.

When comparing voluntary dental insurance, it is also important to look into waiting periods. Some plans require a waiting time of a year or more on procedures such as a crown. In addition, most policies carry a "missing tooth clause" which states that the insurance company will not pay for the replacement of a tooth that was already absent when the policy took effect. Likewise, the "replacement clause" exempts the insurance provider from charges for replacing bridges, dentures, or partials for a specified amount of time.

Find Quality Voluntary Dental Insurance
At The Boon Group, we have partnered with national carriers to provide voluntary dental insurance that gives the employee coverage options for every member of the family while incurring no expense for the employer. With voluntary insurance plans, the employee assumes the entire cost of the plan; however, when purchased through the place of employment, the premiums are lower than those of a traditional individual plan.

Contact our agency to see how we can offer your employees the dental insurance they need without increasing the costs for the employer. We have plans and nationwide providers for business large and small or government contractors. Contact us to learn more about your dental insurance options.