Group Dental Insurance for Washington Employers

Why dental is worth adding

Dental coverage is inexpensive relative to medical, and employees use it. A plan that covers two cleanings a year at no cost to the member gets used by most of your staff, which means most of your staff sees the value of the benefit rather than just reading about it in an onboarding packet.

For a small employer, that visibility matters. Dental is often the difference between a benefits package that feels real and one that feels like a formality.

Three ways to fund it

• Employer paid. You cover the full premium. Strongest recruiting position, highest cost.
• Contributory. You and the employee split the premium, commonly with the employee covering dependents.
• Voluntary. Employees pay the whole premium, but at group rates they could not get individually. Costs you nothing but the administration.

Voluntary dental is a common starting point for employers who are not ready to add to their benefits budget. See our voluntary benefits page for the other coverages that work the same way.

What to look at besides the premium

Two dental plans at the same monthly rate can behave very differently. The details that actually determine whether your employees are happy with the plan are the annual maximum, the waiting period on major work, whether orthodontia is included and for whom, and how much of the network sits within a reasonable drive of where your people live.

We put those side by side when we quote, rather than sending you a rate sheet and letting you sort it out.