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Employee Benefits

Group dental coverage that rounds out your benefits package.

Dental coverage is one of the most requested benefits for Belgrade employees, and one of the more affordable ways to strengthen your overall benefits package.

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The Basics

What group dental plans typically cover.

Group dental insurance covers routine cleanings and exams, basic procedures like fillings, and major work like crowns or root canals, usually structured in preventive, basic, and major tiers.

Because preventive care is usually covered at or near 100%, dental plans encourage employees to stay ahead of larger, costlier issues down the road.

  • Covers preventive, basic, and major dental procedures
  • Encourages regular checkups that catch problems early
  • Affordable addition to a broader benefits package
  • Available as a standalone plan or bundled with vision

Typical Coverage Tiers

  • • Preventive care (cleanings, exams)
  • • Basic procedures (fillings)
  • • Major procedures (crowns, root canals)
  • • Orthodontia (optional)
What’s Included

Core elements of a group dental plan

Preventive Care

Routine cleanings, exams, and X-rays, typically covered at little to no cost.

Basic Procedures

Fillings and other common restorative work.

Major Procedures

Crowns, bridges, root canals, and other significant dental work.

Orthodontia Options

Optional coverage for braces and orthodontic treatment.

Network Access

Access to in-network dentists for lower out-of-pocket costs.

Annual Maximums

Understanding the yearly benefit cap so employees can plan larger treatments.

Common Questions

Group Dental FAQs

Is dental insurance worth adding if we’re a small team?
Even small employers often find dental coverage is an affordable way to round out benefits, since preventive care keeps costs predictable for both the business and employees.
Can dental be bundled with vision?
Yes, many carriers offer combined dental and vision packages, which can simplify administration and sometimes lower overall cost.
What if an employee needs major work right away?
Most plans include waiting periods for major procedures. We’ll walk through the specific plan’s waiting periods before you enroll.

Let’s talk about your group dental coverage.

Belgrade-based advisors who know Montana risk, ready to help.

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