Affordable Dental & Vision Benefits

Employer-sponsored dental and vision plans that your employees will actually use. DHMO, DPPO, and voluntary options from top carriers nationwide.

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Dental & Vision Benefits That Make a Difference

After health insurance, dental and vision are the most requested employee benefits in the country. These are everyday-use benefits — employees schedule cleanings, order glasses, and get contact lenses every single year. Offering group dental and vision coverage sends a clear message that you care about your team’s overall wellness.

As an independent broker, we shop the market across 142+ carriers to find the right dental and vision plan for your company’s size, budget, and culture. Whether you want to offer fully employer-paid coverage, share the cost through contributions, or provide voluntary benefits at no cost to your business, we have a solution that fits.

Group Dental Plan Options

Feature	DHMO (Dental HMO)	DPPO (Dental PPO)
Network Style	Managed care network	Large nationwide PPO network
Premium Level	Lowest premiums	Moderate premiums
Annual Maximum	None	$1,000–$2,500 typical
Preventive Care	No copay or low copay	100% covered, no deductible
Basic Services	Fixed copay per service	80% carrier / 20% patient
Major Services	Fixed copay per service	50% carrier / 50% patient
Orthodontia	Available with riders	Available with riders
Best For	Budget-conscious employers	Employee choice & flexibility

Group Vision Plan Options

Feature	Standard Vision Plan	Voluntary Vision Plan
Employer Cost	Employer subsidizes premium	$0 — employee-paid via payroll
Annual Exam	Covered with copay	Covered with copay
Frame Allowance	$150–$200 every 24 months	$120–$150 every 24 months
Lens Options	Single vision, bifocal, progressive	Single vision, bifocal, progressive
Contact Lens Allowance	$150–$200 annually	$120–$150 annually
LASIK Discount	15–20% off retail	15–20% off retail
Networks	VSP, EyeMed, Humana	VSP, EyeMed, Humana
Best For	Employers with 10+ employees	Small businesses (2–9 employees)

Flexible Plan Design

Group dental and vision plans can be designed to match your company’s philosophy and budget. Choose from three common structures:

Employer-Paid (Fully Insured): The company covers 100% of premiums for employees. The most attractive option for recruiting and retention — especially competitive in industries where benefits differentiate employers.
Contributory (Shared Cost): The employer pays a percentage (typically 50–75%) and employees cover the remainder through pre-tax payroll deduction. This balances employer expense with employee buy-in.
Voluntary (Employee-Paid): The employer offers group rates with no contribution to premiums. Employees pay 100% through payroll deduction, often at rates 20–40% below what they’d find individually. Zero cost to the employer, maximum value to the employee.

Employee Cost-Sharing & Tax Advantages

Whatever model you choose, employee contributions are made through pre-tax payroll deduction under Section 125 (Cafeteria Plan) of the Internal Revenue Code. This means employees save on FICA taxes, and employers save on payroll taxes too. A well-designed cost-sharing strategy keeps premiums manageable for both parties while delivering meaningful coverage.

Typical employee contributions range from $15–$40/month for dental and $5–$15/month for vision depending on the plan tier and employer subsidy level. Spouse and dependent coverage is also available at group rates.

Integration with Health Plans

Many of our carrier partners offer integrated medical, dental, and vision packages that simplify administration and reduce costs. When you bundle group health with dental and vision through the same carrier, you typically benefit from:

Single billing platform — one invoice, one payment, one reconciliation
Unified member portal — employees manage all benefits in one place
Combined eligibility file — streamlined enrollment and termination reporting
Lower combined premiums — carriers offer multi-line discounts for bundled plans
One renewal date — simplifies your annual benefits renewal process

If you prefer separate carriers for each line (e.g., a regional dental specialist alongside a national health carrier), we can manage that too. Our technology and carrier relationships support any combination.

Frequently Asked Questions

How many employees do I need to offer group dental and vision?

Most carriers require a minimum of two employees enrolled for group dental and vision plans. Some carriers offer voluntary vision plans for as few as one or two employees. Whether you have 3 employees or 300, we can find a carrier that fits your group size. There is generally no medical underwriting for dental and vision plans with fewer than 10 employees.

Can we offer dental without vision, or vision without dental?

Absolutely. You can offer dental only, vision only, or both. Many carriers offer stand-alone dental and stand-alone vision plans in addition to bundled options. We’ll help you decide based on your employee demographics, budget, and what your competitors in your industry are offering.

Is there a waiting period before employees can use dental and vision benefits?

Waiting periods vary by carrier and plan type. Many dental PPO plans have no waiting period for preventive care (cleanings, exams), with a 6–12 month waiting period for major services like crowns or bridges. DHMO plans typically have no waiting periods at all. Vision plans generally have no waiting period for annual exams. We can help you select a plan design with waiting periods that align with your company’s philosophy.

Build a Better Benefits Package

Free consultation — we’ll compare dental and vision carriers side by side for your business.

(888) 814-6346 Get a Group Quote