Group Dental Insurance: What It Is and How It Works

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Definition of Group Dental Insurance

Group dental insurance is a type of dental coverage provided to a group of people, typically employees of a company or members of an organization. This insurance covers a portion of the cost of dental care.

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Group Dental Insurance

How Group Dental Insurance Works

  1. Policy Acquisition: An employer or organization purchases a group dental insurance plan.
  2. Coverage for Members: Employees or members are then covered under this plan, often at a reduced cost compared to individual insurance.
  3. Benefits Offered: Coverage usually includes preventive care, like cleanings and check-ups, and may cover a portion of the costs for more extensive procedures.

Advantages of Group Dental Insurance

  1. Cost-Effective: Generally more affordable than individual dental insurance.
  2. Convenience: Premiums are often deducted directly from payroll.
  3. Inclusive Coverage: Typically covers a wide range of dental services.
  4. Preventive Care Emphasis: Encourages regular dental visits, promoting better oral health.
What Is Group Dental Insurance

Who Benefits from Group Dental Insurance

  • Employees: Gain access to dental care at a lower cost.
  • Employers: Offering dental insurance can enhance the overall benefits package, aiding in employee retention and recruitment.


Group dental insurance provides affordable dental care coverage to employees or organization members, promoting oral health and potentially improving overall well-being. It’s a valuable part of a comprehensive benefits package for both employers and employees. Contact us today for a free quote.

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How does dental insurance work?

Dental insurance involves paying a monthly premium for coverage on dental care, including check-ups, cleanings, and procedures. Plans typically include deductibles and annual coverage limits. Coverage varies by treatment, with some fully covered and others partially or not, depending on the specific plan details.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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