Voluntary dental Programs

A Voluntary Dental Plan enables employers to meet the dental needs of their employees without requiring an employer contribution. Our Voluntary Plans are successful because they are affordable, well-designed, deliver value to the insured employees and family members, encourage good dental health and provide rate stability. In fact, adopting one of these plans may enhance employee loyalty at little or no cost to the employer.

Now an employer can offer their employees the opportunity to join a dental plan that provides:

• No Networks - Choose Your Own Dentist
• Nationwide Coverage
• Immediate Benefits
• Coverage for Dependent Spouse and Children
• Eligible for Section 125 Pre-Tax Savings
• Toll Free Claims and Customer ServiceFast and Accurate Claims Processing

Give your employees and their families something to smile about today!

Group Dental Insurance has been sold in the U.S. for more than four decades, but only 34% of employers with medical benefits offer this coverage. In this period of escalating health insurance premiums, few employers are buying new dental coverage. However, when approached about voluntary dental programs, employer interest is much greater. A recent industry study found that more than two-thirds of employers wanted to learn more about voluntary dental programs. In addition, dental remains the most requested employee benefit option. According to a LIMRA survey, 56 percent of employees indicated it was their most desired benefit.

Employers can now offer a quality dental plan without complications:

• No employer contribution required
• Takeover credit available for groups with prior coverage
• No minimum participation requirements
• Enrollment assistance and materials provided
• 2-Year rate guarantee option is available for certain groups
• Employees working a minimum of 20 hours per week are eligible

How can you NOT afford to offer this benefit to your employees!

Why Should an Employer Offer Voluntary Dental?

• To help attract and retain quality employees in today's competitive work environment
• Each year one out of ten individuals experiences a restricted activity day, bed day or lost work day due to dental disease.¹
• Working Americans lose approximately 164 million hours annually to dental disease or dental visits. Children lose an additional 51 million hours of school, causing more lost time for working parents.²
• Tooth decay and other diseases affect nearly 95% of the population.³
• A good dental plan is one of the top 5 factors considered by employees when reviewing job offers.⁴
• 56% of employees without dental insurance indicated that it is the MOST desired benefit.⁵
• Dental is the single most requested employee benefit.⁴

1 National Center for Health Statistics
2 U.S. Surgeon General’s Report
3 American Dental Association
4 LIMRA
5 American Institute of Preventative Medicine

ChamberSolutions - Provides the most versatile program possible

Companion Life requires a minimum of 2 employees or 20% participation whichever is greater. As you review the rates for each company, you will note that, depending on the state, a particular carrier may have better rates than the other, or that one carrier (Companion) has loads or discounts for certain industry types. Lastly, although the outlines of coverage are similar, you will see that there are differences in each company’s Limitations and Exclusions and that Companion Life has different waiting periods. Best of all, the choice is yours…find the plan and price that fits your business and your employees’ specific needs.