If you’re considering providing insurance coverage for your employees, we’re here to help. We’ve shared answers to some of the most common questions small business owners have about coverage below.
PPO plans only.
No, however all health care plans include pediatric dental coverage. Standalone dental coverage for adults is also available through a dental insurance plan. To learn more call 833-923-1784.
Yes (Note: A waiting period may apply for some services).
Health insurance includes coverage for a wide range of medical care. However, health care plans only include pediatric dental coverage. Dental insurance can help you and your employees access quality dental care. Dental insurance includes coverage for oral care, such as regular check-ups, orthodontics, oral surgery, and other dental services. Like health insurance, dental insurance includes networks, coinsurance, deductibles, and annual out-of-pocket maximums.
All health care plans include pediatric dental coverage. However, coverage for adults is only available through a dental insurance plan.
Combining health and dental coverage through BCBSIL streamlines the administration of both programs, helping you manage your overall benefit costs. Employees with both BCBSIL health and dental plans have access to BlueCare Dental ConnectionSM, which includes educational information and outreach to help your employees make important decisions about their dental care.
Members who have health and dental insurance have experienced:
You can choose to offer a contributory or voluntary dental plan to your employees. If you choose a contributory dental plan, you must contribute at least 50% towards your employees’ dental insurance premiums. For voluntary plans, you are not required to contribute towards your employees’ premiums, but you have the option to contribute up to 49%.
Yes, you can purchase dental insurance without health insurance. You also can purchase disability and/or life insurance without health insurance.
