Most group dental plans we sell for cover preventive procedures from day one such as:
- Routine Check -Ups
- Fluoride Applications
- Space Maintainers
Most group dental plans will also immediately cover minor restorative procedures such as fillings. Typically the plan will have a $50 deductible and then the plan will cover a certain percentage of the costs until the policy hits a maximum annual payout. In some plans the percentage that the insurance will pay is 80%, and the maximum the insurance company will pay is a fixed dollar amount or a carrier may limit the number of procedures per year.
Unlike Individual Dental Plans that almost always have a 1 year wait for major restorative work such as:
- Oral surgery
- Prosthodontics (crowns, bridges, and dentures)
- Endodontics (root canals)
- Periodontics (scaling and root planing)
Some group health plans will cover these procedures from day one.
Another key difference between Individual Dental Plans and group plans is that group plans with 10 or more employees have the ability to get orthodontia benefits.