CoverCapy / Dental insurance / For employers

For owners and the people who work for them

Dental coverage is one of the cheapest ways to keep good people.

If this page reached you from someone on your team, they just handed you a quiet, smart idea. Group dental is quoted per company, so there is no sticker price here, but for a small team it usually runs a few thousand dollars a year, and it can be set up to cost the business nothing at all. The employees who ask for it tend to be the ones worth keeping.

Independent, no carrier pays CoverCapy for placement. Every number verified against carrier documents and public data, June 2026.

For the owner

Why this is smart business, not a handout

Benefits are table stakes at the companies your recruits are comparing you to. Dental is offered to about 70 percent of workers at large firms but only 30 percent at small ones (BLS, March 2025), so offering it is a genuine differentiator with the exact people weighing your offer against a bigger company. It is also the rare benefit employees actually use, every six months, so they feel it rather than forget it. And because group dental is quoted per company, you see real numbers for your actual team before you decide anything.

What your team feelsWhat you get
Someone here actually has my back69% less likely to start job-hunting (Gallup)
I can go to the dentist without dreading the bill71% less likely to burn out (Gallup)
This job takes me seriously as a person89% loyal, versus 53% when care is missing (MetLife 2025)
My needs at work are being met91% job satisfaction when needs are met, versus 44% (SHRM 2024)
I feel safe and steady hereIntent to leave drops to 19%, versus 41% without it (APA 2024)

The lever

Why good people leave, and what actually keeps them

Turnover is the most expensive line item nobody puts on a budget. Replacing one person runs roughly 50 to 200 percent of their salary once you count recruiting, lost productivity, and the months a new hire takes to get up to speed (Gallup). Nationally, voluntary turnover costs US employers about a trillion dollars a year, and Work Institute finds that roughly 63 percent of those exits were preventable. This is not a talent problem you have to accept, it is a retention problem you can get ahead of.

Here is the opening: employees who believe their employer genuinely cares about their wellbeing are about 69 percent less likely to job-hunt (Gallup), yet fewer than one in four workers actually feel that care. A real benefit, one your team uses and values, is one of the clearest ways to close that gap, and most of your competitors have not bothered.

$1T
lost to voluntary turnover in the US each year
Gallup
63%
of employee exits were preventable
Work Institute
69%
less likely to job-hunt when employees feel cared for
Gallup
89% vs 53%
loyal when cared for, versus not
MetLife 2025
<1 in 4
employees actually feel that care today
Gallup
82%
of employers say strong benefits help retention
Aflac 2024
91% vs 44%
satisfied when the company meets their needs
SHRM 2024
0.1%
how much dental premiums rose in 2024
NADP

These figures show correlation, not proof of cause. Cared-for, well-supported teams tend to stay longer and burn out less, and benefits are one of the clearest, most affordable signals of that care. We are confident it is smart business. We just will not pretend a dental plan alone guarantees any one person stays. See the full turnover breakdown.

The honest math

Dental costs less than you think, and sometimes nothing

Run the numbers for a ten-person firm. A single preventable departure at modest pay lands somewhere between $12,000 and $28,000 once you count hiring, ramp-up, and lost output. A dental plan, by contrast, runs roughly $1,200 to $3,000 a year for a small team, and some voluntary arrangements cost the business nothing at all. Put plainly: the plan only has to help you keep a fraction of one person, one time, to more than pay for itself. Everything after that is margin, and morale.

You decide the contribution. Pay all of it, part of it, or none. Several carriers, including Humana, Ameritas, Principal and Beam, allow a zero employer contribution, so employees pay through pre-tax payroll and the coverage costs the business nothing. Paying more usually unlocks lower participation requirements and waived waiting periods, and your contribution is tax deductible.

The plans

The plans worth putting in front of your team

For an owner who wants the strongest benefit a team can actually use, high maximum, orthodontia including kids, and no waiting, three plans lead. They are also the only three that can honestly reach a $5,000 annual maximum with braces.

Hero plan

Humana group

Selectable maximum up to unlimited, child and adult ortho at just 2 enrolled, no waiting periods at 5+ enrolled, and no employer contribution required.

Humana cost & plan ›
Modern

Beam (Ultra)

Up to a $5,000 maximum, no waiting periods, no missing-tooth clause, live in about five days.

Beam cost & plan ›
Blue-chip

MetLife

The household name your team trusts, with a $5,000 ceiling on richer designs and adult plus child ortho.

MetLife cost & plan ›

Honest note: Delta Dental's famous $5,000 plan is an individual product that excludes braces, so it is not a $5,000-with-ortho group plan. We only show that badge where a real group design supports it.

From quote to covered

How it works

Group dental is configured, not bought off a shelf, and the concierge does the setup. Most group plans waive the waiting periods that punish individual buyers, so your team can use it right away.

  1. Tell us about your team. Headcount, location, and how generous you want to be. That drives the design.
  2. We match a plan and show your number. A clean, concierge-picked comparison for your actual team, not a forty-page brochure.
  3. You choose your contribution. All, part, or none. Employees enroll through pre-tax payroll.
  4. Your team is covered, and routed to a dentist. We connect each newly covered employee with a dentist who works with their network, so the benefit gets used.

Compare

See each carrier's modeled cost for your team

Illustrative cost for a ten-person team at a 50% employer split, plus plan facts and the turnover ROI. Estimates, not quotes.

Share it forward

However you decide, get your team covered

Setting up a group plan is the strongest move. But even if the timing is not right, you can still make sure your people are covered, and look like the leader who pointed them to the answer.

Zero cost, zero setup

Send your team to their own coverage

Not ready for a group plan? Forward CoverCapy and each person picks an individual PPO plan from about $30 a month, checks that their own dentist is in-network, and gets covered on their own. Your people get healthier and happier, and it never touches your budget.

Quick one for the team. If you have been meaning to sort out dental, CoverCapy compares individual plans from about $30 a month and checks your own dentist is covered before you buy. No pressure, just sharing in case it helps: https://www.covercapy.com/dental-insurance/
Preview what they'll see

No commitment

See what it would cost for your team

Group dental is priced per company, so the only way to know your number is to ask for one. Our concierge puts together a quote based on your headcount, with no obligation. Getting the number is just doing your homework.

Or contact us

No member IDs, no obligation. CoverCapy is independent and no carrier pays for placement. We share a comparison; you buy the plan through the carrier or broker.

Thank you. Your details are in. A CoverCapy concierge will follow up with a configured comparison for your team.

For dentists

We don't just send you patients. We send you insured patients, by the busload.

Every employer we sign is a cohort of patients with active PPO benefits, high maximums, and no dentist yet. One local employer with 30 covered employees is 30 households shopping for a dentist at once. Accredited offices are first in line.

A boss reads this and keeps the team a little longer. That is worth passing to a friend who is still losing good people.