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Individual and family dental insurance coverage
can help pay for a large portion of your annual dentistry
costs. However, buying a single policy can be expensive. That
is why for many people in California group dental insurance
is an attractive proposition. California group dental plans
are most commonly arranged by employers as a benefit for their
employees. Nevertheless, any large group of people can start
a California group dental plan, and the more people who participate
the lower the premiums will be for each person.
 How
a Group Dental plan works
With a group dental plan, premiums are based
on a high volume of policyholders. This means that a company
with 10 employees will pay slightly higher premiums per person
than a company that employs 100 people. Coverage will differ
greatly, but what the dental insurance companies are banking
on is a demographic projection: if 100 people work in the
same environment then the chances are good that their dental
health will mirror California averages.
What this means is that the company is offering
lower rates because more than 50 percent of Californians will
not experience serious dental problems. With individual policies,
the insurance company can not make such projections: every
customer could potential be one of the small percentages of
Californians who have dental health problems.
Employer
California group dental plan options
Your employer can choose how much or how
little group dental coverage you receive. This choice is not
simply based on how much the employer can afford (or is willing
to pay). Because employees typically contribute a large share
of the premium, keeping costs at a minimum can save both sides
money.
Fortunately, there are several ways of reducing premiums with
affecting coverage limits, including:
- Taking group dental insurance from the same company which
provides health insurance
- Going with a high option PPO, which means employees will
get lower cost dental care from a list of participating
dentists
- Contributing a fixed share and allowing employees to
decide their own coverage options
Finding a California group dental plan
If you are an employer looking for a group dental plan for your employees, look no further! Our frequently updated database can help you get instant group dental insurance quotes, without having to sit through a high pressure sales pitch.
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