Group Dental Insurance in Texas

Group Dental Insurance in Texas

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Group Dental Insurance for Businesses in Texas

As a business owner, rising group health insurance costs mean that employers seek to save money any way they can. Unfortunately, sometimes that means scaling back on important benefits like group dental insurance.

We know you have to make tough decisions. 

However, dental coverage is an essential employee benefit that shouldn’t be ignored. At Pasadena Insurance Agency, we can help you find a quality dental care package for your employees without breaking the bank.

Who Needs a Group Dental Plan?

Who Needs a Group Dental Plan?

While it’s true that dental coverage isn’t mandatory, offering this employee benefit can help you stand out from the crowd of other employers in the area.

Consider getting a group dental plan to get:

  • Good savings and value - Often, dental care is inexpensive compared to standard health insurance and can be designed specifically to suit the needs of your employees.
  • Opportunities to integrate with medical plans under one vendor - There’s no need to have separate coverage, several vendors offer dental plans in addition to health coverage.
  • Flexibility and choice in coverage - With several plan models out there, you’re sure to find flexible, high-quality coverage for your group dental plan.

What Type of Dental Plans Are Available in Texas?

There are numerous types of dental plans, and they generally can be divided into two categories:

  • Managed Care Plans - Cost-containment plans that control cost by restricting the type, level, and frequency of covered treatment.
  • Fee-for-Service Plans - Arrangements that allow you to choose your dentist, and he or she is paid for each service according to fees established by the practice.

Most dental plans can also be customized, just like medical plans. Below are a few plans & what they offer.

  • Preferred Provider Organization (PPO): A Managed Care plan where patients select a dentist from a list of providers (network) who have agreed to discount their fees. 
  • Dental Health Maintenance Organization (DHMO): Another type of Managed Care plan which pays contracted dentists a fixed amount per enrolled family or individual, regardless of utilization. These are typically the least expensive type of plan available.
  • Direct Reimbursement: A popular type of fee-for-service plan that is self-funded and reimburses patients according to dollars spent on dental care, not type of treatment. 
  • Consumer-driven Dental Plans: Following a growing trend in medical benefits offerings, many carriers are beginning to offer this type of plan as it’s more customizable for employers and flexible for employees. One example is a dental flexible spending account.

Don’t be overwhelmed by these options. Contact us today and we will walk you through all the options so you can make the right decision for your business. Our team is expertly trained and we have decades of experience!

Get Group Dental Insurance Today!

At Pasadena Insurance Agency, Inc., we have been serving Houston-area businesses since 1936. We are committed to helping you find high-quality, low-cost employee benefits for your business.

Complete the form below & contact us today to determine what type of dental benefit plan designs are right for you!

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