What to Look for in Dental and Vision Insurance for Employees

As a business owner, offering competitive benefits is one of the best ways to attract and retain top talent. While medical insurance often takes center stage, dental and vision insurance for employees is an essential part of a well-rounded benefits package. These plans not only help your team stay healthy but also show that you value their overall well-being.

 

So how do you choose the right plan? Here are the key things to consider when evaluating dental and vision insurance options for your employees.

1. Coverage Options: What’s Included and What’s Not

 

Not all plans are created equal. Some dental and vision plans only cover basic services, while others offer more comprehensive benefits. When reviewing your options, consider:

Dental Insurance Coverage:

• Preventive care (cleanings, exams, X-rays)

• Basic procedures (fillings, extractions)

• Major procedures (crowns, bridges, dentures)

• Orthodontics (especially important if employees have families)

Vision Insurance Coverage:

• Annual eye exams

• Eyeglasses or contact lenses

• Frames and lens upgrades

• Discounts on LASIK or other corrective procedures

A good plan offers more than just the bare minimum—it should be a practical benefit that employees will actually use.

2. Cost Factors: Balancing Affordability and Value

While you want to provide strong benefits, budget is always a factor. When evaluating dental and vision insurance for employees, look at:

• Monthly premiums for the company and employees

• Deductibles and out-of-pocket costs

• Coverage limits and waiting periods

• In-network vs. out-of-network provider options

Some plans may look affordable upfront but come with high costs later. At Maple Brooks Benefits, we help employers analyze the long-term value of each plan to ensure you're getting the most bang for your buck.

3. Compliance and Legal Considerations

It’s also important to consider compliance with regulations like:

• ACA (Affordable Care Act): While dental and vision insurance isn’t required for adults under ACA, pediatric dental coverage may be included under your medical plan.

• COBRA Requirements: If your business is subject to COBRA, you may need to provide dental and vision continuation options for former employees.

Working with a benefits advisor like Maple Brooks Benefits can help you stay compliant while offering a competitive benefits package.

4. Employee Preferences and Needs

It’s always a smart move to get feedback from your employees. Consider sending a short benefits survey to better understand their needs. Do they prefer a larger network of providers? Are glasses or contacts a common expense? Tailoring your benefits to match your team’s lifestyle can increase satisfaction and engagement.

5. Partner with the Right Advisor

Choosing the right dental and vision insurance for employees doesn’t have to be overwhelming. At Maple Brooks Benefits, we specialize in helping businesses find plans that meet their needs, fit their budget, and support their team’s health.

Let’s make benefits simple and valuable—for you and your employees.

 

Ready to explore better dental and vision insurance options for your team?
Contact Maple Brooks Benefits today to get started.