Small Business Benefits
How Much Does Group Dental & Vision Insurance Cost?
Group dental costs $20 to $45/month per employee. Group vision costs just $7 to $15/month. These are the most requested employee benefits after health insurance (KFF).
What Does Group Dental & Vision Cost?
Group rates are typically 15 to 25% less than individual plans due to group purchasing power. Premiums are 100% tax-deductible as a business expense.
Group Dental Pricing
| Employee Only | $20 to $45/mo |
| Employee + Spouse | $40 to $85/mo |
| Employee + Family | $65 to $140/mo |
Group Vision Pricing
| Employee Only | $7 to $15/mo |
| Employee + Spouse | $13 to $28/mo |
| Employee + Family | $18 to $45/mo |
What Does Group Dental & Vision Typically Cover?
Dental Coverage
- Preventive (cleanings, X-rays, exams) - 100% covered
- Basic procedures (fillings, extractions) - 70 to 80% covered
- Major procedures (crowns, bridges, root canals) - 50% covered
- Annual maximum benefit: $1,000 to $2,500 per person
Vision Coverage
- Annual eye exam - $10 to $25 copay
- Frames allowance - $130 to $200 every 12 to 24 months
- Lenses - covered in full or small copay
- Contact lens allowance - $130 to $200/year
Why Should Small Businesses Offer Dental & Vision?
Dental and vision are the most requested benefits after health insurance (KFF 2024). At $27 to $60/month combined per employee, they're also among the cheapest benefits to offer, less than a lunch per employee per week.
- • Retention: Employees with benefits are 50% less likely to leave within 12 months (SHRM)
- • Tax savings: Premiums are 100% tax-deductible. Section 125 plans save on payroll taxes too
- • Recruiting: 60% of job seekers say benefits are a major factor in accepting a job offer (Glassdoor)
- • Healthier employees: Preventive dental and vision care catches problems early, reducing sick days
Frequently Asked Questions About Group Dental & Vision
Group dental premiums average $20 to $45/month for employee-only coverage, $40 to $85 for employee + spouse, and $65 to $140 for employee + family. That's 15 to 25% less than individual dental plans due to group purchasing power.
Group vision is very affordable: $7 to $15/month per employee, $13 to $28 for employee + spouse, $18 to $45 for employee + family. At these prices, it's one of the cheapest employee benefits you can offer.
Yes. Employer-paid dental and vision premiums are 100% tax-deductible as a business expense. If employees contribute through a Section 125 plan, their contributions are also pre-tax, saving both employer and employee on payroll taxes.
Preventive care (cleanings, X-rays, exams) at 100%. Basic procedures (fillings, extractions) at 70 to 80%. Major procedures (crowns, bridges, root canals) at 50%. Annual maximum benefit: $1,000 to $2,500 per person.
Related Resources
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