Group Services: Medical & Prescription | Term Life | Disability | Dental | Employee Paid Voluntary Benefits

Group Dental

Dental Health Maintenance Organization (DHMO)
Dental Health Maintenance Organizations (DHMO) provide a low out of pocket cost to employees while offering comprehensive dental coverage.  Referrals for specialty care are required in a DHMO Plan.

Employees must select a Primary Care Dentist (PCD) to manage all their dental care and treatment.

Employees are restricted to the In-Network selection of providers.

The best advantage to a DHMO is there are usually no annual limit maximums to the services provided.

Dental Preferred Provider Organization (PPO):
Dental Preferred Provider Organizations (PPO) allow employees to choose their own dentists.  No referrals for specialty care are required in a PPO plan. 

Carriers offer Dental PPO provider networks giving members the advantage of seeking In-Network care to minimize their out of pocket costs and maximize their benefits.

Members have the option to seek Out of Network care from non-participating providers, which has a higher out of pocket costs.

Annual payment maximums and patient coinsurance apply to DPPO Plans.

Service Overview

We offer a variety of services for large, medium, and small employer groups. Some of our services include:

  • Medical
  • Prescription Coverage
  • Dental
  • Life
  • Accident Death & Dismemeberment
  • Long Term Disability
  • Short Term Disability
  • Accident
  • Cancer
  • Critical Ilness
  • Hospital Indemnity
  • Vision
  • Supplemental Insurance