Group Dental Insurance's purpose is to protect, maintain, and treat gums and teeth. This policy can be a traditional plan or be purchased on a voluntary basis under Sec. 125.

Group dental insurance plans are not all the same. Some dental plans may allow you to go to any dentist. This plan is probably an indemnity policy. Another type of policy, the PPO, may require you to go to a network of dentists, otherwise you may to pay a higher deductible and co-insurance. HMO dental insurance is the most restrictive plan. You may not be able to receive payment for treatment received outside the network.

The Group Dental Insurance plans pay for services to maintain good hygiene. The basic cleanings, fillings, crowns, dentures, etc., are usually covered. There may be a waiting periods of over a year, for the benefit of dentures or crowns to apply. It depends on the coverage and the group dental insurance plans your company offers.

The traditional group dental insurance plan is similar to a regular group insurance benefit. You need a certain % of participation of employees to qualify for coverage. Each dental insurance company may deviate slightly over eligibility requirements. The Section 125 plan is more of a cafeteria style program. It is your decision to participate, and if your employee chooses not to enroll, no real worry. However there may be a minimum requirement for the number of employees needed to sign up to have a group, but once you reach that number, it is all voluntary. Group Dental Insurance can be offered through a group as a cafeteria type plan or the traditional group plan. The costs of prevention and treatment may be covered, but make sure you read your benefits books and call if need be.

Disclaimer: Always consult a financial profession to determine what coverage is right for you.

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