Dental & Vision Insurance for Employees | First Underwriters Insurance Brokers

Dental & Vision Insurance for Employees

Complete your benefits package with coverage employees actually use. Dental and vision insurance helps your team maintain their health while demonstrating that you care about their overall wellbeing.

Get a Benefits Quote (425) 242-5357

Benefits Employees Actually Use

Dental and vision coverage are among the most utilized benefits in any package. Unlike major medical that employees hope they never need, dental and vision benefits provide tangible, everyday value — from routine cleanings to new glasses.

For employers, these benefits are cost-effective ways to enhance your overall package. They're relatively affordable, widely appreciated, and help you compete for talent without significantly increasing your benefits budget.

At First Underwriters, we help you choose the right combination of dental and vision plans that fit your workforce and budget — whether offered alongside medical coverage or as standalone benefits.

High Utilization

Employees use these benefits regularly

Affordable

Low-cost way to enhance benefits

Employee Favorite

Highly valued by workers

Preventive Focus

Catch problems early

Coverage Details

Comprehensive dental and vision benefits designed to keep your employees healthy and productive.

Dental Insurance

From routine cleanings to major restorative work, dental coverage helps employees maintain oral health while managing out-of-pocket costs.

Preventive Care — Cleanings, exams, X-rays typically covered at 100%
Basic Services — Fillings, extractions, root canals at 80%
Major Services — Crowns, bridges, dentures at 50%
Orthodontia — Braces for children and adults (select plans)
Annual Maximums — $1,000 to $2,500+ per person

Vision Insurance

Keep your team seeing clearly with coverage for exams, eyewear, and corrective procedures. Vision benefits are especially valuable for computer-heavy workplaces.

Annual Eye Exams — Comprehensive exams covered annually
Eyeglass Frames — Allowance for frames every 12-24 months
Lenses — Single, bifocal, progressive lenses covered
Contact Lenses — Allowance or covered in lieu of glasses
LASIK Discounts — Savings on corrective surgery

Plan Types Available

Different plan structures to match your budget and employee preferences.

Dental Plan Options

PPO Dental

Maximum flexibility — see any dentist, with higher reimbursement for in-network providers. No referrals required for specialists.

DHMO Dental

Lower premiums with a designated primary dentist. Fixed copays for services. Best for employees who prefer predictable costs.

Indemnity Dental

Traditional fee-for-service plans. See any dentist with straightforward reimbursement. Maximum freedom of choice.

Vision Plan Options

Full-Service Vision

Comprehensive coverage including exams, frames, lenses, and contacts. Generous allowances and wide provider networks.

Exam-Plus Plans

Covers annual exams with modest allowances for eyewear. Lower premiums while still providing essential coverage.

Discount Vision

Not insurance, but discounted rates at participating providers. Low-cost option for budget-conscious employers.

Why Offer Dental & Vision?

Attract Talent

Candidates expect dental and vision as part of a complete benefits package. Stand out from competitors.

Prevent Problems

Regular dental exams catch issues early. Eye exams can detect diabetes and hypertension.

Cost Effective

Dental and vision premiums are low compared to medical — big value for modest investment.

Tax Benefits

Employer contributions are tax-deductible. Employee premiums can be pre-tax through Section 125.

Carriers We Work With

We partner with leading dental and vision carriers to bring you competitive options.

Dental Carriers

Delta Dental Premera MetLife Guardian Cigna Aetna Principal Lincoln Financial

Vision Carriers

VSP Vision EyeMed MetLife Vision Guardian Vision Cigna Vision Superior Vision

Bundle for Better Value

Many employers choose to bundle dental and vision with their medical coverage for streamlined administration and potential cost savings.

We can help you evaluate whether bundling makes sense for your business or if standalone policies offer better value. The right answer depends on your carrier options, employee demographics, and budget.

Single billing and administration
Potential bundle discounts
Simplified employee enrollment
Coordinated effective dates

Medical + Dental + Vision

Complete healthcare package from a single carrier

Dental + Vision Standalone

Add to existing medical or offer independently

Voluntary Benefits

Employee-paid options with payroll deduction

Frequently Asked Questions

Common questions about dental and vision coverage for employees.

Can we offer dental without medical?

Yes. Dental and vision can be offered as standalone benefits without medical coverage. This is common for businesses that don't offer medical or use a different medical carrier.

What's the typical waiting period?

Preventive care usually has no waiting period. Basic services may have a 6-month wait, and major services often require 12 months. We can find plans with reduced or waived waiting periods.

How much do these benefits cost?

Dental PPO plans typically run $25-$50 per employee monthly. Vision is usually $5-$15 per employee. Family coverage costs more. We'll provide specific quotes for your group.

Can employees add family members?

Yes. Most plans offer employee-only, employee + spouse, employee + children, and family tiers. You decide how much the employer contributes toward dependent coverage.

Ready to Add Dental & Vision Benefits?

Let us help you find the right coverage for your team. We'll compare carriers, explain your options, and make enrollment easy.

Request a Quote (425) 242-5357