Employee Dental Insurance Plans for Small Businesses

Two people sit at a desk discussing employee dental insurance plans.

Employee dental insurance plans can help cover the dental healthcare expenses that major medical insurance alone may not cover. Some small business leaders fear that they can’t offer dental insurance to employees due to limited budgets. At Canal HR, we make offering dental insurance and other benefits easy and affordable with our team of experts. Learn more below about how your small business can offer employee dental insurance plans with Canal HR. 

What Are Employee Dental Insurance Plans?

Like major medical insurance, employee dental insurance plans are meant to maintain the health and well-being of your workforce by providing coverage for a variety of dental healthcare expenses. While some major medical plans will cover dental healthcare costs, this is not the case for all major medical insurance plans. Offering employee dental insurance plans can ensure that your employees can take care of any regular or unexpected dental healthcare needs that arise. 

Does My Small Business Have to Offer Employee Dental Insurance Plans?

Small businesses do not have to offer dental health insurance to full-time employees under the Affordable Care Act (ACA). ACA tends to view dental insurance (and dental healthcare, in general) as an optional healthcare choice and does not require adults in the United States to have dental health insurance. 

Benefits of Offering Employee Dental Insurance Plans

As a small business leader, you may wonder what offering employee dental plans can do for your organization and employees. There are many reasons that offering employee dental insurance plans can be great for your small business:

Stand Out in the Job Market

Dental insurance plans are not offered to employees as often as other insurance plans, like major medical health insurance. For this reason, employers who offer dental plans are in high-demand amongst job seekers. 

Retain High-Quality Employees

Many job seekers are looking to join a company that can offer them competitive benefits. Offering dental insurance can help bring even more high-quality job candidates to your company and boost employee retention rates.

Support Employee Wellness

Employees feel more comfortable and prepared to work when their overall health is maintained. Employee dental insurance plans ensure that employees can take care of their overall health needs and will be less likely to miss work due to poor health. 

Can My Small Business Afford to Offer Employee Dental Insurance Plans?

Despite the positive aspects of offering employee dental insurance plans, many small businesses fear that offering this insurance is too expensive for their smaller budgets. However, there are measures in place that can help small businesses bring dental coverage to their employees for an affordable price. Your small business could qualify for a tax credit to help pay for employee dental premiums by meeting the following criteria:

  • Your business must have less than 25 full-time employees.
  • Your average wage must be less than $50,000 per year.
  • Your business must agree to pay at least 50% of the cost of premiums.

It can be difficult to navigate the employee dental insurance marketplace. Thankfully, Canal HR is a PEO dedicated to helping you get your employees the affordable coverage that they need to stay happy and healthy.

Employee Dental Insurance Plans Through Canal HR

Through Canal HR, your small business can offer dental insurance plans for employees who have been with your business for at least six months. We work with Spirit Dental Insurance to bring quality dental care coverage to small businesses across the southeastern United States. 

Here are some of the benefits of bringing our employee dental insurance plans to your small business and employees:

  • Employees can choose between a high option or low option plan, depending on their dental healthcare needs.
  • For both the high option and low option plan, employees can see any dentist of their choosing without selecting a primary care dentist.
  • Employees can be eligible to receive between $1,000 to $1,500 worth of dental coverage per year, depending on the plan chosen. 
  • Our high option plan includes orthodontia coverage (including adults).
  • Both employee dental insurance plans cover preventative dental care procedures, including cleanings and x-rays. 
  • Both plans also cover the costs of fillings, bridges, periodontal, crowns, and oral surgery.

For more information on both our high and low option employee dental insurance plans, you can click here to view complete plan descriptions and costs.

Let Canal HR Bring Employee Dental Insurance Plans and More to Your Small Business

Canal HR is a professional employer organization with years of experience bringing human resources services to small businesses across the south. By outsourcing your payroll, employee benefits, and worker’s compensation services with us, you can spend more time catering to your business’ most direct needs. Contact one of our Licensed Customer Representatives today to learn more about how Canal HR can help your business thrive.

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