Group Dental & Vision: Two Benefits Employees Use The Most
When employees compare coverage offers, dental and vision rank at the top of the list. With Saint Moore Insurance you get access to the full carrier market and we present your options side by side, and helps you build a plan your team will actually use and appreciate for years to come.
Dental and Vision Plans: More Choices Than Most Employers Realize
The plan structure you choose determines how much employees pay out of pocket, which providers they can see, and how easy the whole thing is to administer. Not every employer needs the same setup, and the right answer depends on your group size, budget, and how much flexibility your employees want. Here is what your real options look like.
Dental Plan Types
DPPO (Dental Preferred Provider Organization) The most common group dental structure. Employees can see any licensed dentist they choose, with lower costs when they stay in-network. Coverage typically breaks into tiers: preventive care such as cleanings and exams at 100%, basic restorative work like fillings at a cost-share, and major services such as crowns, bridges, and root canals at a different level. Orthodontia can be added as a family-friendly option. Popular DPPO carriers for employer groups include Delta Dental, MetLife, Cigna, and Guardian, each with different network footprints and pricing by region.
DHMO (Dental HMO) A lower-premium alternative where employees select a primary dentist from the plan network. Coverage runs on a copay model rather than percentages, which keeps out-of-pocket costs predictable. A practical fit for employers keeping a close eye on the benefits budget without giving up meaningful coverage.
Vision Plan Types
VSP (Vision Service Plan) The largest vision plan in the United States and the most-requested by employees. VSP is known for its wide network of independent optometrists and ophthalmologists. Plans typically cover annual eye exams, a frame allowance, prescription lenses, and contact lenses in lieu of glasses. The first choice for employees who prefer a trusted local practice.
EyeMed The second-largest vision carrier in the country, with a retail-heavy network that includes LensCrafters, Target Optical, and Pearle Vision locations nationwide. Popular with employees who prefer the walk-in convenience of a national chain. Competitive on pricing and a strong fit for geographically spread teams.
Bundled or Standalone Some carriers allow vision to be layered onto dental or medical coverage, sometimes at a reduced combined rate. Others work better as standalone plans depending on what else is in your package. Saint Moore Insurance evaluates both approaches side by side so you are not paying for structure that does not serve your group.
Coverage levels, network size, annual allowances, and plan pricing vary by carrier and group. Contact the Saint Moore Insurance Employee Benefits department to find out which structure fits your team and budget.
Bundle & Save!
These plans work alongside group medical or as standalone voluntary options. Saint Moore Insurance works with employers who want to:
- Complete a benefits package for employees who already have medical coverage
- Offer voluntary dental and vision at no direct cost to the business
- Bundle ancillary coverage with medical to take advantage of carrier discounts
- Provide individual dental and vision options for employees outside the group platform
For specifics on what may be available for your group, contact the Saint Moore Insurance Employee Benefits department.
Most employers add dental and vision as ancillary coverage layered onto their group medical plan. Saint Moore Insurance can bundle these with your existing benefits and, in many cases, carrier bundling may reduce overall costs compared to placing them separately.
Dental and vision can be offered as 100% voluntary, employee-paid plans. Your benefits package gets stronger without adding employer premium. Saint Moore Insurance presents both employer-paid and voluntary structures so you can choose what fits your budget.
Employees who need dental or vision outside of the group platform have individual options available through Saint Moore Insurance. Personal lines and benefits clients are connected to the right solution regardless of how they came to us.
How to Add Dental and Vision Coverage with Saint Moore Insurance
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Adding dental and vision to your benefits package is one of the most straightforward upgrades Saint Moore Insurance can help you make.
Step 1: Share Your Current Benefits Setup
Tell us what you are currently offering. Saint Moore Insurance reviews your existing coverage and identifies where dental and vision fit best.
Step 2: We Quote the Market
We bring plan options from top carriers across preventive-only, full-service, and orthodontic-inclusive structures. You see the options side by side.
Step 3: Onboard and Enroll
Saint Moore Insurance sets up your group and walks employees through the enrollment process. Employees enroll electronically, and plan documents, payroll deduction details, and employee data are organized and accessible from day one.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Ready to Add Dental and Vision to Your Benefits Package?
Contact the Saint Moore Insurance Employee Benefits department to get started. We will review your current setup, quote the market, and help you add coverage your employees will use.
