Group dental insurance.
Make everyday
benefits count.
Give dental benefits a closer look. Talk with CPIS about plan choices, dentist access, and the costs your business and employees need to understand.
For California employers exploring or renewing employee dental benefits. Availability and eligibility depend on the group and plan.
Start with what your employees will actually use.
Employer-sponsored dental plans can help eligible employees with the cost of covered dental services. The details vary—from the dentists employees can visit to how much the plan pays for treatment.
- Introducing dental coverage for the first time
- Reviewing the value of an existing plan
- Comparing employer-paid and voluntary options
- Considering employee and dependent enrollment
Adult dental benefits should not be assumed included in medical coverage. Review dental options alongside your Group Health Insurance and overall benefits budget.
A plan is more than a list of covered treatments.
Compare the actual benefit schedule, provider network, limitations, and exclusions. Do not assume a familiar procedure is covered the same way by every plan.
Preventive services
Review benefits for exams, cleanings, and X-rays, including frequency limits, network requirements, and any employee cost sharing.
Basic & major treatment
Compare how the plan classifies and pays for services such as fillings, crowns, and other treatment. Deductibles, copayments, coinsurance, and exclusions can differ.
Dentist access
Review PPO and dental HMO arrangements where available. Dentist selection, specialist referrals, and out-of-network benefits depend on the plan.
Waiting periods & orthodontics
Check whether particular services have a waiting period. If orthodontic benefits are important, review eligibility, age restrictions, and any separate lifetime maximum.
Not every plan has the same maximums, deductibles, or waiting periods. Confirm the exact benefit design before enrolling.
Understand what an annual benefit maximum means.
When a dental plan has an annual benefit maximum, it generally limits how much the plan pays toward eligible services during the stated benefit period. It is not a cap on everything the employee may have to pay.
Some dental HMO designs have no annual benefit maximum and instead use a schedule of copayments. Compare the specific plan’s benefits and limitations rather than assuming one structure applies to every option.
Prepare for a plan review →Bring your benefits goals.
We’ll start there.
Select Other / Not sure on our quote form and mention Group Dental Insurance. Share a brief business description and your renewal or preferred start date.
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Your workforce
Business location, approximate employee count, employee locations, and whether you want to discuss dependent options.
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Your current arrangement
Existing dental benefit summaries, renewal timing, employer contributions, and the employee share of premiums.
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Your priorities
Budget, dentist access, plan design, and enrollment questions. Please leave dental histories, treatment details, and Social Security numbers out of the public inquiry form.
Questions employers ask.
Review the benefit documents and enrollment rules for the actual plan under consideration.
Can we review dental without changing our medical plan?
Dental can be offered as a separate benefit in many arrangements. Discuss the available options, group eligibility, participation requirements, and how dental enrollment would fit your existing benefits.
Can employees keep their current dentists?
That depends on the specific network and plan. Some PPO designs allow out-of-network visits with different costs, while a dental HMO may require a participating primary dentist. Verify the exact dentist and product before enrollment.
Are spouses and children eligible?
Dependent coverage may be available. Review eligible dependents, enrollment rules, premium tiers, and any age limits in the plan documents rather than assuming everyone is automatically enrolled.
Are braces and other orthodontic treatments included?
Not in every plan. Orthodontic benefits can have separate eligibility rules, waiting periods, age restrictions, and lifetime limits. Review the actual orthodontic benefit schedule if it matters to your team.
Does coverage for every service start immediately?
Do not assume so. Some plans impose waiting periods for certain services; others do not. Confirm the plan’s effective date, waiting periods, and treatment limitations before relying on benefits.
Does submitting the form enroll our employees?
No. The form starts an inquiry. Eligibility, enrollment documents, and other requirements may follow. Coverage begins only when the insurer or dental plan confirms enrollment and the effective date.
Give your dental benefits a closer look.
Tell us about your team, your current arrangement, and the options you want to explore.