Group Dental Plans on Long Island
Dental coverage is necessary in today’s day and age, and Blair Insurance will help develop the right dental plan for you and your employees. Choose a plan with standard benefits, or a customized plan to meet the needs of your workers – the choice is yours. Our goal is to get you the dental coverage you and your team desire for a lifetime of great dental care and overall health.
Choosing a group dental plan can be very similar to choosing a health care plan with several different types of services and levels of coverage available. In general, most dental plans are either employer-paid managed care plans or fee-based plans in which employees lay out money for which they’re usually reimbursed.
A fee-for service plan allows employee to go to the dentist of their choice and pay directly. A plan administrator then reimburses the employee either fully or partially.
An indemnity plan is similar to a fee based plan. It usually allows patients to go to the dentist they choose, but the patient submits a claim to their insurer, which can pay the full claim or a percentage. The plan usually bases the how much they pay out on the reason for the visit.
A Preferred Provider Organization, or PPO requires the patient to choose a dentist within a specific network that the PPO contracts with, but with some flexibility. The insurer pays set fees with dentists in the network and patients who see out of network dentists usually pay more out of pocket expenses.
Dental Health Maintenance Organizations or DHMOs give patients discounted services but they require you to always go to specific dentists who are under contract with the DHMO.
We want you to find a dental plan that works for your group. Blair Insurance can help you customize your plan to offer employees the benefits they need at a price that’s affordable to your business or organization. Contact us to get started.