San Bernardino, CA – Types of Group Employee Insurance: Dental, Vision, & Life

Group insurance is an essential benefit for any organization looking to provide its employees with quality coverage. The three main types of group employee insurance are dental, vision, and life. Each type comes with a unique set of benefits and considerations to take into account when deciding which type of insurance is best suited for your organization.

Dental Insurance

Dental insurance coverage helps employees pay for the cost of dental procedures such as cleanings, fillings, crowns, and orthodontics. Dental insurance plans usually cover both preventive care (such as regular check-ups) and basic treatments like x-rays or fillings. The amount covered depends on the specific policy, but it typically ranges from 50-100%. Some plans may also cover cosmetic procedures such as teeth whitening or veneers.

Vision Insurance

Vision insurance helps employees pay for the cost of vision care, such as eye exams, glasses, and contact lenses. Some plans may even cover laser vision correction surgery (LASIK). Like dental insurance, the amount covered varies depending on the plan but typically ranges from 50-100%. It’s important to note some vision plans may have an out-of-pocket maximum—a cap on how much you will have to pay in a calendar year—while others do not.

Life Insurance

Life insurance helps provide financial protection to your dependents during your death. It can help ensure your family has money to pay off any debts or bills you might leave behind and can help them maintain their current lifestyle if they rely on your income to survive. There are two main life insurance policies: term life and whole life policies. Term life policies provide coverage for a specified period (usually 10-30 years), while whole life policies provide coverage for one’s entire lifetime (as long as premiums are paid). Premiums are generally cheaper with term policies since they do not offer cash value as whole-life policies.

Key Considerations in Selecting Group Employee Insurance

When selecting group employee insurance for your organization, it is essential to consider cost and coverage levels and administrative and organizational requirements. Is purchasing this insurance in line with your human resources management practices? Does it make sense to manage the care of your employees centrally, or should it remain at the individual level? Other important questions to consider include whether or not you can partner with a health benefits advisor specializing in group plans and if their servicing costs are reasonable. Ultimately, you will want a plan to provide good quality coverage at an affordable rate with as little administrative burden as possible.

Employee Retention Benefits is your solution if you’re an organization in San Bernardino, CA, looking for effective and affordable group insurance. With decades of experience in the insurance industry, we specialize in providing dental, vision, and life insurance products tailored to your organization’s needs. Our competitively priced plans cater to any budget size and will give you added peace of mind knowing your employees are well taken care of. Let us help build a better future for your business today!