Picture Your Team Smiling — and Genuinely Taken Care Of Benefits
Imagine offering dental and vision your people actually use every year — the kind of benefit that makes them feel valued and keeps your best talent from looking elsewhere. In one quick, no-pressure conversation, you'll see clear options for DHMO, DPPO, and voluntary plans, hear straight answers on what fits your budget, and feel confident your team is covered — with 142+ top carriers working for you, not against you.
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Benefits Your Team Actually Feels Good About
Look at what your people use most: after health insurance, dental and vision are the benefits employees ask for again and again. These are everyday-use perks — cleanings booked, glasses ordered, contacts picked up, year after year. When you offer group dental and vision, you send a clear message that you see your team and you take care of them.
As an independent broker, we shop the market across 142+ carriers to find the dental and vision plan that fits your company’s size, budget, and culture — loyal to you, not to one carrier. Whether you want to fully cover your team, share the cost, or offer voluntary benefits at zero cost to your business, you’ll have a solution that fits.
Group Dental Plan Options
| Feature | DHMO (Dental HMO) | DPPO (Dental PPO) |
|---|---|---|
| Network Style | Managed care network | Large nationwide PPO network |
| Premium Level | Lowest premiums | Moderate premiums |
| Annual Maximum | None | $1,000–$2,500 typical |
| Preventive Care | No copay or low copay | 100% covered, no deductible |
| Basic Services | Fixed copay per service | 80% carrier / 20% patient |
| Major Services | Fixed copay per service | 50% carrier / 50% patient |
| Orthodontia | Available with riders | Available with riders |
| Best For | Budget-conscious employers | Employee choice & flexibility |
Group Vision Plan Options
| Feature | Standard Vision Plan | Voluntary Vision Plan |
|---|---|---|
| Employer Cost | Employer subsidizes premium | $0 — employee-paid via payroll |
| Annual Exam | Covered with copay | Covered with copay |
| Frame Allowance | $150–$200 every 24 months | $120–$150 every 24 months |
| Lens Options | Single vision, bifocal, progressive | Single vision, bifocal, progressive |
| Contact Lens Allowance | $150–$200 annually | $120–$150 annually |
| LASIK Discount | 15–20% off retail | 15–20% off retail |
| Networks | VSP, EyeMed, Humana | VSP, EyeMed, Humana |
| Best For | Employers with 10+ employees | Small businesses (2–9 employees) |
Plan Design That Flexes Around You
Picture a plan built around how you want to run your business. Group dental and vision can be designed to match your company’s philosophy and budget — choose from three common structures:
- Employer-Paid (Fully Insured): The company covers 100% of premiums for employees. The most attractive option for recruiting and retention — especially competitive in industries where benefits differentiate employers.
- Contributory (Shared Cost): The employer pays a percentage (typically 50–75%) and employees cover the remainder through pre-tax payroll deduction. This balances employer expense with employee buy-in.
- Voluntary (Employee-Paid): The employer offers group rates with no contribution to premiums. Employees pay 100% through payroll deduction, often at rates 20–40% below what they’d find individually. Zero cost to the employer, maximum value to the employee.
Employee Cost-Sharing & Tax Advantages
Whatever model you choose, employee contributions are made through pre-tax payroll deduction under Section 125 (Cafeteria Plan) of the Internal Revenue Code. This means employees save on FICA taxes, and employers save on payroll taxes too. A well-designed cost-sharing strategy keeps premiums manageable for both parties while delivering meaningful coverage.
Typical employee contributions range from $15–$40/month for dental and $5–$15/month for vision depending on the plan tier and employer subsidy level. Spouse and dependent coverage is also available at group rates.
One Simple Package With Your Health Plan
Imagine fewer invoices, fewer logins, and one renewal to keep track of. Many of our carrier partners offer integrated medical, dental, and vision packages that simplify administration and lower your costs. When you bundle group health with dental and vision through the same carrier, you typically enjoy:
- Single billing platform — one invoice, one payment, one reconciliation
- Unified member portal — employees manage all benefits in one place
- Combined eligibility file — streamlined enrollment and termination reporting
- Lower combined premiums — carriers offer multi-line discounts for bundled plans
- One renewal date — simplifies your annual benefits renewal process
Prefer separate carriers for each line (say, a regional dental specialist alongside a national health carrier)? We’ll handle that too. Our technology and carrier relationships support any combination — so you get exactly what works for your team.
Frequently Asked Questions
Picture a Benefits Package Your Team Brags About
Free, no-pressure consultation — talk it through with a real licensed advisor and see dental and vision carriers compared side by side for your business.