DENTAL
Preventive care that keeps small problems small
Most dental costs are avoidable
Regular checkups are the reason why
Preventive care
Covers the whole family
Most-used benefit
What Dental Coverage Actually Is
Covers routine cleanings and exams at little to no cost,
plus a percentage of more involved procedures like fillings or crowns,
up to an annual plan maximum
Works through a network of providers,
more like traditional insurance than a cash payout
Why It Matters
83 percent of employers already offer dental coverage (EBRI)
67 to 75 percent of employees with dental coverage
use it for routine preventive care every year
(Delta Dental, Guardian Life)
Preventive and diagnostic care makes up 70 to 86 percent of
all dental claims
(Delta Dental, Guardian Life, Milliman)
High preventive use correlates with an
86 percent drop in major restorative claims over time
(Guardian Life)
Under 5 percent of enrollees ever hit their annual plan maximum
FAQ
Q: What does dental coverage include?
A: Covers routine cleanings and exams at little to no cost,
plus a percentage of more involved procedures like
fillings or crowns, up to an annual plan maximum
Q: Is this different from the other voluntary benefits?
A: Yes. Most voluntary benefits pay cash directly to the employee
Dental coverage works more like traditional insurance,
covering a percentage of the actual cost of care
Q: Does this cost the employer anything?
A: No. Employees pay for this through payroll deduction.
Most see it simply as a benefit their employer made available
Q: Why does preventive care matter so much here?
A: Employees who use routine preventive care see far fewer major restorative claims over time,
catching problems early instead of paying for them later
Not sure if dental coverage fits your team?
Let's talk
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
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We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
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Updated 08/23/2026
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