Employee Benefits

Group Dental & Vision Insurance, explained.

The most-used benefits in the package — often just a few dollars per employee per month.

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What it is

Group Dental & Vision

Group dental covers preventive care (cleanings, exams, X-rays — usually at 100%), basic services like fillings, and major work like crowns, bridges, and root canals, typically on a 100/80/50 coinsurance structure. Group vision covers annual eye exams plus an allowance for frames, lenses, or contacts, with meaningful discounts on LASIK at many carriers. Both can be employer-paid, cost-shared, or 100% voluntary (employee-paid at group rates).

Dental and vision are the benefits employees actually use every year — which makes them the highest-perceived-value dollars in your whole package. Preventive dental care also catches health issues early (gum disease is linked to heart disease and diabetes), and routine eye exams detect conditions like high blood pressure and diabetes before symptoms appear. A package without dental and vision feels incomplete to candidates comparing offers.

Who needs it

Is this for you?

Any employer already offering medical who wants to round out the package

Small businesses that want a visible benefit at minimal cost

Companies competing for talent against larger employers with full packages

Employers who want a zero-cost option (voluntary, employee-paid at group rates)

Teams with families — pediatric dental and orthodontia are top requests

Businesses adding benefits without a major budget impact

What's typically covered

Inside a Group Dental & Vision policy.

Preventive dental at 100% — cleanings, exams, X-rays (usually 2x/year)

Basic restorative — fillings, simple extractions (commonly 80%)

Major restorative — crowns, bridges, dentures, root canals (commonly 50%)

Orthodontia for children and/or adults (popular optional add-on)

Annual eye exam with low copay

Frames, lenses, and contact lens allowance (commonly $130–$200)

Lens upgrades — progressives, anti-glare, photochromic discounts

LASIK discounts through carrier networks

Real-world claims

When this coverage pays off.

Voluntary dental add-on

A 15-person firm adds voluntary dental and vision — zero employer cost, employees opt in at group rates for less than the price of a streaming subscription.

Ortho for the team’s kids

An employer adds orthodontia coverage — three employees’ children get braces with 50% covered up to the lifetime max.

Vision that pays for itself

An office team uses annual exams and the frame allowance every single year — the most-appreciated line item in the package per dollar spent.

Common questions

Plain-language answers.

Can these be 100% employee-paid?

Yes — voluntary dental and vision require zero employer contribution. Employees simply get access to group rates they can’t match individually.

Are waiting periods normal?

Preventive care is typically covered immediately. Waiting periods (6–12 months) usually apply only to major services — and many carriers waive them for groups with prior coverage.

What does dental typically cost?

Group dental commonly runs $25–$50 per employee per month; vision is often $5–$12. Voluntary versions shift that cost to employees who opt in.

Is orthodontia worth adding?

For workforces with families, yes — it’s among the most requested benefits. Plans typically cover 50% up to a lifetime maximum per child.

Ready for a Group Dental & Vision quote?

Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.

Request a Quote Call (888) 650-1091