Dental and Vision Insurance
Providing dental coverage makes a distinct impact on the welfare of your employees. Research shows that simply going to the dentist twice a year for a cleaning will extend your life expectancy by two years!
Adding Value, Staying Committed
Offering your employees dental and/or vision coverage is a value-add that demonstrates the strength of your commitment to their overall well-being.
There are several different ways to implement dental and/or vision coverage. A plan could be employer sponsored, where the employer picks up the entire cost. It could be offered on a contributory basis, where the employer and employee each pay a portion of the premium. Or a plan could be voluntary, where the benefit is offered at the employee’s sole expense using a payroll deduction.
There are many nuances to understanding your dental and vision plan options, and together we will come up with the best solution for you and your employees.
Dental insurance options fall into two categories: indemnity products and network products.
Indemnity products will allow the member to use any dentist. The product is usually set up as a 100/80/50 plan, which means that preventive services are covered in full, restorative services are covered at 80% after a deductible, and major services are covered at 50% after a deductible. This product may also include an orthodontia rider.
Network products (PPO & DMO) restrict members to a select group of dentists. These dentists agree to accept a set fee schedule for patients who participate in the plan. Most companies offer several different levels of benefits.
We work closely with most major dental carriers, including:
Vision care plans typically cover the initial examination, either annually or bi-annually, and include a schedule for reimbursement for lenses, frames, and contact lenses. In addition, some carriers provide discounts for vision correction laser surgery.
We work closely with most major vision carriers, including:
Skye Hospitality LLC
My company has been working with Blue Harbor Benefits for over 20 years. The aspect of the relationship we enjoy with Susan, Joe and their team that impresses me the most is that their dedication, responsiveness and service level has not declined. We receive the same support and advice now as we did when we had many more employees.
J. William Bello
Susan and the rest of the staff have been nothing less than 100% responsive to every need, question or concern we’ve had in the most timely manner. They couldn’t be more knowledgeable about the health care products available, the laws, and always seem to have our company’s information at their fingertips so they can provide us with the support we need and make our jobs in the HR department easier.