Health insurance is one of the most complicated purchases Americans make. We work with specialized carriers who understand the plans and the dentists and dental specialists who need them, whether you're covering yourself, your staff, or a multi-location group.
One advisor for all of it. Your advisor can look at health coverage alongside your malpractice, disability, and life insurance.
The right plan depends on who needs coverage: just you, your practice team, or several locations. Here is what each option is for and what we look at with you.
Residents, associates, and owners who need their own coverage, including dentists leaving a school or hospital plan.
What we compareGood to know Losing school or residency coverage is a qualifying life event, which opens a special enrollment window outside the fall open enrollment period.
Practice owners who want to offer health benefits to their staff and cover themselves on the same plan.
What we compareGood to know Small group plans generally cover employers with up to 50 employees, or up to 100 in a few states. Carriers set their own contribution and participation rules.
Larger practices, multi-location groups, and DSOs with enough employees to move beyond small group plans.
What we compareGood to know Employers with 50 or more full-time or full-time-equivalent employees must offer affordable coverage under the Affordable Care Act.
Situations a standard plan does not fit well, designed with the carrier around your group.
What we compareGood to know What is available depends on your state, group size, and carrier, so a custom plan starts with a conversation about your group.
Health plans are hard to compare on your own. Here is how we work through it with you.
Just you and your family, your practice team, or employees across several locations.
Your current plan, renewal, and what is and isn’t working, before we suggest anything new.
Plans from specialized carriers we work with, laid out side by side in plain terms.
We help with enrollment and check back in when your plan comes up for renewal.
Individual plans open for enrollment each fall. Outside that window, a qualifying life event opens a special enrollment period, usually 60 days. Common ones for dentists include losing coverage at the end of school or residency, getting married, having a child, and moving to a new state.
Coverage through a school or hospital program usually ends when the program does. Your options can include continuing that coverage through COBRA if you’re eligible, an individual plan, or a group plan through the practice you join or open. Talk to us before your last day so there is no gap.
Often, yes. Small group plans generally cover employers with up to 50 employees, or up to 100 in a few states. Carriers set their own rules for how much the practice contributes and how many employees need to enroll, so we check what your practice qualifies for before you commit.
Usually, yes. Owners typically enroll on the same plan as their staff, as long as the group has at least one eligible employee besides the owner and the owner’s spouse. Rules vary by state and carrier.
That depends on the carrier and whether its network reaches every location. Multi-location groups and DSOs often need a carrier with a broad network or different plan options by location. We look at where your employees actually live and work.
Health insurance pays for medical care. It doesn’t replace your income if you can’t practice, and it doesn’t protect your family if something happens to you. Your advisor can review it alongside your disability and life insurance so the pieces fit together.
Tell us who you need to cover and when your plan renews. Your advisor will review what you have now and compare options from carriers who know dentistry.
