Product Selection Guide

Regardless of where your company is based, we have the products for you to consider.

Are you an employer
based in Greater Cincinnati/
Northern Kentucky?

Are you an employer based outside of Greater Cincinnati/ Northern Kentucky?

Employers Based in Cincinnati/Northern Kentucky

For your employees based in the Greater Cincinnati area,
the market-leading dental plan:

Dental Care Plus (HMO)
Dental Care Plus is perfect for companies that operate within our primary market of Greater Cincinnati and Northern Kentucky as well as for employees who live in this community. Members are required to see an in-network dentist, however our HMO network is so expansive that you have access to more than 95% of practicing dentists in Cincinnati and Northern Kentucky, neutralizing the need to go out-of-network. Employers based in Greater Cincinnati/Northern Kentucky with employees in other areas can pair our HMO with our PPO.

Product Highlights:

It's available as a fully-insured product for groups of 2 or more. It can also be self-funded for groups of 50 or more.
No late-entrant waiting periods.
When it comes to claims, we are completely transparent about what is covered and what is not, and what members may owe.
Members don't have to file claims. They also won't be billed for any covered services above contracted amounts when they are within their annual maximum.
Shelf rates are available for employers of 2 to 19 in Ohio and Kentucky.
Fully-insured groups with 2 or more enrollees are also automatically enrolled in our vision discount plan called Total Vision Services.

DentaSelect Plus (PPO)
Flexibility and options are nice things to have. DentaSelect Plus gives you both. For employees living outside of Greater Cincinnati and Northern Kentucky, DentaSelect offers access to dental professionals across the United States no matter where they live or work. Members may receive covered services from an in-network or out-of-network dentist. Naturally, if they want to minimize out-of-pocket costs, they should choose an in-network professional. But it's also nice to have the peace of mind of knowing they can receive covered services from any dentist of their choice.

Ask your sales representative about pairing our HMO with our PPO. Companies based in Butler, Clermont, Hamilton or Warren counties in Ohio or in Boone, Campbell, Kenton and Pendleton counties in Kentucky can pair the HMO and PPO in this manner:

Employees residing within one of the eight counties listed above are enrolled in the HMO. Employees residing outside of those eight counties are enrolled in the PPO. Both sets of employees enjoy solid to unmatched in-network access in their communities. Please note, HMO small-group shelf rates do not have the option of pairing products.

Product Highlights:

Available as a fully-insured product for groups of 2 or more, as well as a self-funded option for groups of 50 or more.
No late-entrant waiting periods.
A range of out-of-network reimbursement levels is available to foster sustainable premiums year-to-year,and to balance the cost of out-of-network choices for the employer and members who choose in-network providers. Read more about out-of-network options here.
When it comes to claims, we are completely transparent about what is covered and what is not, and what members may owe.
Members seeing in-network dentists don't have to file claims and won't be billed for any covered services above contracted amounts when they are within their annual maximum.
Shelf rates are available in designated counties for employers of 2 to 25 in Ohio and Kentucky.
Fully-insured groups with 2 or more enrollees are also automatically enrolled in our vision discount plan called Total Vision Services. Get more information here.

DentaPremier Plus (Indemnity)
DentaPremier is available for employers with 10 or more enrollees. There is no DCPG network associated with this product. Members can receive covered services from any licensed dentist in the United States. Members are likely to experience balance billing which may mean more out-of-pocket expense. Also, premiums tend to run higher for indemnity than for managed care products.

Product Highlights:

Available as a fully-insured product for groups of 10 or more, as well as a self-funded option for groups of 50 or more.
No late-entrant waiting periods.
Reimburses, based on plan design, for covered services provided.
Fully-insured groups with 2 or more enrollees are automatically enrolled in our vision discount plan called Total Vision Services.

Employers Based Outside the Cincinnati/Northern Kentucky Area

DentaSelect Plus (PPO)
Flexibility and options are nice things to have. DentaSelect Plus gives you both. Members are covered whether they choose an in-network or out-of-network dentist. Naturally, if they want to minimize out-of-pocket costs, they should choose an in-network professional. But it's also nice to have the peace of mind of knowing they're still covered no matter where they go.

Product Highlights:

Available as a fully-insured product for groups of 2 or more, as well as a self-funded option for groups of 50 or more.
No late-entrant waiting periods.
A range of out-of-network reimbursement levels is available to foster sustainable premiums year-to-year, and to balance the cost of out-of-network choices for the employer and members who choose in-network providers. Read more about out-of-network options here.
When it comes to claims, we are completely transparent about what is covered and what is not, and what members may owe.
Members seeing in-network dentists don't have to file claims and won't be billed for any covered services above contracted amounts when they are within their annual maximum.
Shelf rates are available in designated counties for employers of 2 to 25 in Ohio and Kentucky.
Fully-insured groups with 2 or more enrollees are also automatically enrolled in our vision discount plan called Total Vision Services.

DentaPremier Plus (Indemnity)
DentaPremier is available for employers with 10 or more enrollees. There is no DCPG network associated with this product. Members can choose any licensed dentist in the United States for covered services. Members are likely to experience balance billing, which may mean more out-of-pocket expense. Also, premiums tend to run higher for indemnity than for managed care products.

Product Highlights:

Available as a fully-insured product for groups of 10 or more, as well as a self-funded option for groups of 50 or more.
No late-entrant waiting periods.
Reimburses members, based on plan design, for covered services provided.
Fully-insured groups with 2 or more enrollees are automatically enrolled in our vision discount plan called Total Vision Services.