Dexter Insurance Associates — independent insurance brokerage in Charlotte, NC
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Group Dental

What It Is

A benefit your employees actually use

Group dental insurance gives your employees and their families coverage for routine and unexpected dental care — from cleanings and exams to fillings, crowns, and major work. Because dental is one of the benefits employees value most and use most often, it's a low-cost, high-impact way to round out a competitive package.

Most plans are built around preventive care, with set coverage tiers for basic and major services and an annual maximum. The differences between plan types come down to provider networks, cost-sharing, and how much flexibility your team has in choosing a dentist.

How We Help

Dental usually comes down to network and value, so before we recommend a plan we check that your employees' current dentists are in-network — then weigh premium against annual maximums and waiting periods. We run enrollment, watch utilization at renewal, and field the coverage questions employees bring us so the plan stays worth offering.

Plan Options

Ways to structure your coverage

Dental PPO

The most popular choice. Employees see any dentist, with the lowest cost in-network and the freedom to go out-of-network when they want.

Dental HMO / Prepaid

Lower premiums in exchange for using an in-network dentist. Predictable copays and no annual maximum on most plans.

Indemnity

Maximum freedom to choose any provider, with the carrier reimbursing a set amount per service. Simpler, traditional coverage.

Voluntary Dental

Employee-paid coverage offered through the group at favorable rates — valuable benefit at little or no cost to the employer.

Orthodontic Coverage

An optional add-on covering braces and alignment treatment, often with a separate lifetime maximum — popular with families.

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6342 Carmel Road · Charlotte, NC 28226