Dental Benefits Enhance Your Book of Business

Help your small business and corporate customers keep pace in today’s changing healthcare insurance climate with dental benefits.

The DBL Center offers the best dental benefits plans from A+ rated, best-in-class insurance carriers at a low cost to clients, leading to seamless sales and increased commissions for insurance brokers.

Less than 45% of US workers have access to dental insurance through their job. Dental insurance plays an important role in a comprehensive ancillary benefits package, supplementing health insurance and helping control benefit costs for employees and employers, alike.

Dental insurance can be written as a employer-paid benefit, or on a voluntary basis funded by employees. Employers and employees may also share the costs.

Emphasis on Preventative Dental Care

Our dental benefits plans are affordable and will remain so. They emphasize affordable preventative care, including cleanings, exams, sealants and fluoride treatments that keep employees’ teeth healthy and bright, reducing the risk of expensive oral surgery and emergency treatment claims.

Medical professionals site a link between gum disease or gingivitis and heart disease – whether as a cause or an indicator, the evidence is inconclusive. But it is certain that healthy teeth and a healthy heart go hand-in-hand, and regular preventative dental care is an important part of holistic health.

Reach an Underserved Market with Affordable Premiums

In spite of the importance of regular dental care, there’s a great divide between the types of companies that offer group dental benefits and those that do not. According to US Bureau of Labor Statistics data, here’s the breakdown of private industry workers with access to dental insurance coverage:

  • 30% in small businesses (under 100 lives)
  • 50% in organizations with 100 to 499 lives
  • 70% in organizations with 500+ lives

Perceptions that dental insurance is expensive, not desirable, or not comprehensive enough to make the expense worthwhile are significant barriers to entry.

The DBL Center’s relationships with top carriers make our dental plans more affordable, with comprehensive coverage for preventative and emergency care.

We recommend helping your clients privatize statutory benefits, including DBL, TDB, or paid family and medical leave. Then, we can help you roll that cost savings into desired ancillary benefits, including dental insurance.

How Dental Benefits Help Your Clients

Even if they already provide group dental as part of their company benefit plans, your clients might be able to afford a more desirable plan with higher adoption rates when you work with The DBL Center.

Our plans have more in-network dentists than competitive plans offered by other general agencies, and more than 180,000 locations for treatment.

Dental insurance as part of a comprehensive benefits package is shown to improve retention and make recruiting easier for any size business.

Additionally, good dental benefits may also improve workplace productivity and reduce absenteeism. Employees with healthy teeth are shown to take fewer sick days due to pain or tooth aches. They may even perform better in sales and customer service-related positions. Because teeth – and your smile – are an important part of first impressions, employees with a straight, bright healthy smile and whiter teeth are perceived to be more successful and more confident, studies show.

Earn More Commission With Group Dental Plans

As always, when you purchase group dental plans for your customers by leveraging The DBL Center’s carrier relationships and volume discounts, you can expect a high level of personalized service.

We manage and maintain your policies, but you own the policies and have access to all the plan information. Unlike dealing with other general agencies, our insurance carriers pay your commission directly to you.

Insurance brokers who work with The DBL Center also gain access to our Broker Dashboard: Net Revenue Tracker so you can stay on top of renewals, cancellations, and commissions for statutory disability and paid family leave coverage. Available as a desktop or mobile app, NRT delivers push notifications that make administration and renewals easy, enabling our brokers to focus on sales and relationships.

Dental Benefits FAQs

Employers can choose from PPO and HMO dental plans that provide comprehensive preventative care and emergency coverage. Some health care plans offer dental insurance but these plans may be more costly and harder to find. A separate group dental plan, written on an employer-paid, voluntary, or cost-shared basis could be the solution your clients are looking for.

Group dental coverage fills an important risk gap for employers who want to provide comprehensive benefits to their workers. Regular, affordable dental care can help improve workplace productivity and reduce absenteeism. Preventative care is a key to a healthier workforce.

Writing plans with a large network can help reduce out-of-pocket costs for your clients. The DBL Center leverage relationships with top insurance carriers to provide comprehensive coverage with low premium costs. A PPO plan offers the flexibility to use any dentist, while an HMO plan may offer lower premiums with fewer choices. Coverage may be more affordable than you think when you work with The DBL Center as your insurance wholesaler.

Why Work With The DBL Center?

Let us be your Disability, Benefits, and Leave experts

The D.B.L. Center LTD.
Niche Insurance Specialist
Industry experience since 1976
155 Pinelawn Road
Suite 120S
Melville, NY 11747

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