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> FAQ > Employer
Group Dental Plans
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Who is eligible for employer group dental coverage?
What if our company has some employees working
in other states?
What kinds of plans are available?
Why should my company use your agency? In addition, agents who focus on medical insurance will often obtain packaged coverage, so you get your medical and dental insurance from the same carrier. This is easier for the broker and will provide you with the convenience of one bill to pay. However, often a company that has competitive medical rates will not have competitive dental rates. Sometimes, carriers are quoting lower medical rates and bumping up the dental rates to make up for the discounted medical rates. Another disadvantage of packaging benefits is that many carriers will require your medical and dental enrollment to match. You may have some employees who want medical coverage but do not want dental coverage, or vice versa. You can usually obtain significantly better rates by shopping for medical insurance separately from dental insurance. You will also have more freedom with regard to participation requirements. We are dental specialists, who will obtain quotes from many reputable carriers to find you the most competitive rates and benefits that suit your needs.
Can we enroll on-line?
Why isn't my dentist listed on any of the DHMO
plans?
How do I get dental quotes for my company?
Why do you need so much information to give
me quotes? The more accurate information we receive from you, the more accurate the quotes we will receive. When the employer contributes more toward the premium cost, more employees enroll. This will result in lower rates per employee. When fewer employees enroll the rates go up. Voluntary plans, where the employer does not contribute at all toward the cost, will offer the least comprehensive coverage and higher rates because the insurance company is assuming more risk. When fewer employees enroll, those that do enroll tend to be the ones that need the most work and incur the highest claims. Most of the DHMO plans do not require the same amount of information because they are not paying claims. If you are requesting a DHMO quote we only need your company name, city and zip code, and the number of eligible employees and dependents.
Do you charge for your services? We provide quotes with no obligation to purchase through our office. In addition to finding a dental plan that meets your needs, we also provide service to our clients after the sale. Should you run into any problems with the plan after you are enrolled, we will act as your advocate with the carrier and assist you in resolving the problem. We also will gather quotes at renewal to be sure that you still have the most competitive rates. We weigh rates against other factors such as employee satisfaction and the time and effort required to change carriers.
Why are the DHMO plans less expensive? The DHMO plan has fairly low overhead. They have the expenses of maintaining the provider panel, marketing their plans, issuing ID cards, sending bills and customer service. The biggest expense of a traditional insurance plan is claims administration. DHMO plans do not incur this expense.
Where do I mail the application forms?
Dental Insurance Services, Inc.
What about medical coverage? Do you offer that
type of coverage? Jordan Shields Insurance | |||||||||
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