Dental benefits are the most requested health care item for employees, after medical care has been determined. As a broker, you should have an arsenal of dental plan options in your bag of tricks. As an employer, you should be aware of the various options in the market. According to HealthPlex, here is an overview of what's available:

Indemnity coverage: Under the indemnity option, members are reimbursed up to a fixed limit for treatment rendered by their own dentist. Members select any licensed dentist and are reimbursed up to a fixed amount for services provided. Patients are responsible to their dentists for any differences between the plan's allowance and the dentist's charges. Members will experience lower fees if they stay in network.

Careington Benefit Solutions offers a plan through Assurant that bolts on a discount network combined with an indemnity reimbursement, thereby reducing the out of pocket costs for procedures with participating dentists.