We’ll help you find affordable, flexible dental coverage for employers and employees. From preventive cleanings to major procedures, we will find the plan that fits your team and your budget.
Dental benefits aren’t just a nice-to-have anymore — they’re a hiring and retention tool. Employees rank dental coverage as one of the top three most important benefits when evaluating a job offer. Offering a strong plan signals that you value your team’s health, not just their output.
At Volk Insurance Benefits, we’ve spent over 30 years helping employers find group dental plans that balance real coverage with real affordability. Whether you have 2 employees or 200, we’ll match you with the right plan and the right carrier — then stay with you through every open enrollment and renewal.
Group dental plans come in several structures. Here’s what you need to know:
The most popular option for small businesses. Employees can see any licensed dentist — in-network or out — and save more when they stay in-network. Flexible, familiar, and available from most major carriers. Best for: employers who want to offer broad dentist choice without sacrificing coverage quality.
Lower premiums and predictable copays in exchange for staying within a specific network. Employees select a primary care dentist and get referrals for specialist care. Best for: cost-conscious employers with employees in metro areas who don’t mind trading flexibility for savings.
Maximum provider freedom — employees see any licensed dentist and submit claims for reimbursement. Higher premiums, but no network restrictions at all. Best for: employers with employees across many locations or rural areas with limited in-network provider access.
You provide access to group rates; employees pay their own premiums via payroll deduction. Zero cost to the employer — and still a meaningful perk for your team. Best for: employers who want to offer dental benefits without impacting the benefits budget.
Once a covered diagnosis is confirmed, the benefit is paid directly to the employee as a lump sum. There is no requirement to submit receipts or justify how the money is spent. It can go toward medical deductibles, rent, childcare, travel for treatment, lost income for a caregiver spouse, or anything else.
Covered conditions, benefit amounts, and waiting periods vary by carrier and plan. Some plans also offer wellness screening benefits, recurrence benefits, and dependent coverage. We will walk you through the specifics.
Interested in learning about how our benefits support team can help you simplify your benefits? Reach out to us for a complimentary benefits and compliance assessment.
