Boost your benefits package with dental and vision coverage
Voluntary benefits give your employees more reasons to smile
Dental insurance and vision insurance are essential parts of any competitive benefits package. By offering coverage through Colonial Life, you can help your employees pay for dental and vision care without impacting your bottom line.
Supporting dental health and overall wellness
Employees rank dental insurance as the second most desired benefit after health coverage
Regular dental care is an important part of maintaining overall health. However, dental cleanings and procedures aren’t usually covered by health insurance, potentially leaving your employees with bills to pay.
Colonial Life dental insurance encourages better dental care, creates a more competitive benefits package and helps reduce out-of-pocket expenses for an array of procedures, including:
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Cleanings
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Fillings
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Sealants
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Tooth removal
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Crowns
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Dentures
Healthier, happier employees contribute to stronger businesses. If you’re looking for ways to round out your benefits package without incurring direct costs to your organization, consider dental insurance.
Enhance your employee's dental insurance with vision coverage
JKB Consulting Group's dental insurance offers an optional vision
rider to help pay for eye exams and materials, such as glasses and
contact lenses. This additional coverage can help your employees
maintain healthy vision and overall wellness.
Your employees will have access to a national vision network that
includes independent optometrists, ophthalmologists and retail
stores like Walmart, Sam’s Club Optical, Costco, Pearle Vision and
Target.
The advantages of JKB Consulting Group's dental insurance
Offer employees dental coverage at no direct cost to you
Our dental insurance is an employee-paid, individual dental plan that provides benefits for a variety of covered procedures, from routine cleanings to root canals.
All dental insurance plans:
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Provide dental coverage for preventive, basic and major services
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Offer access to a nationwide network and allow for substantial discounts by seeing an in-network provider
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Have coverage options for your spouse and/or dependents
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Are portable so employees can keep their coverage even if they change jobs
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May be supplemented even further with optional orthodontic and vision coverage
Commonly asked questions about dental and
vision insurance
What types of dental insurance are available?
JKB Consulting Group offers two dental products that are available. They are individual dental PPO and individual dental fee schedule insurance.
What does vision insurance cover?
JKB Consulting Group covers an exam and materials once per 12 months.
How can I help my employees calculate how much dental insurance they may need?
Each person’s needs vary, so encourage employees to look back at the amount they spent on dental expenses in past calendar years. This can help them identify the estimated amount they spend on dental each year. If an employee hasn’t had dental care recently, contact one of our representatives for help calculating an appropriate amount for coverage for their family.
Can my company provide claim estimates for prospective policyholders or those without a policy in force?
Hypothetical claims estimates or information regarding claim benefits cannot be provided to anyone who does not have a policy inforce.
Once coverage is inforce, the insured employee’s dentist can submit pre-estimates for procedures to help policyholders determine claim benefit outcomes.
How long are the waiting periods?
Immediate benefits are provided for routine cleanings and X-rays, while certain procedures have varying waiting periods. Talk with our team for more details.
Is individual dental insurance HSA-compatible?
Yes.
How can insured employees find out how much they will pay out-of-pocket for dental procedures?
To determine how much a dental procedure will cost and what the benefit amount will be, the employee’s dentist will be able to submit a pre-determination/pre-estimate to allow for an estimate of benefits available.
Are dental benefits paid to the employee or the dentist?
Most dentists will file insurance claims on behalf of their insured patient. The benefit can be paid to the employee, but most of the time the employee will choose to have the benefits paid directly to the dentist.
Although claim payments will not default to the provider, the majority of dental offices have standard forms that require assignment in order to be accepted as a patient. This is standard practice in the dental insurance industry.
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Can insured employees keep their dental insurance if they leave the company?
Yes. Dental insurance is portable, so employees can keep their plan even if they change jobs..
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