Modeled cost
What it costs: 10 employees, 50% employer split
Employer cost, this team
$250/mo · about $3,000/yr
$25/employee/mo
Employer pays 50% of the employee-only premium; dependents are employee-paid (the most common structure).
| Who's covered | Premium | Employee pays |
|---|---|---|
| Just the employee | $50/mo | $25/mo |
| Employee + spouse | $100/mo | $75/mo |
| Employee + child(ren) | $95/mo | $70/mo |
| Employee + family | $145/mo | $120/mo |
Illustrative premium market-average estimate (NADP/KFF/eHealth/MoneyGeek). Not a Ameritas quote — carriers price each company by census, ZIP and design.
Plan design
- Annual max: $1,000 up to $5,000 (top tier; design to confirm) + Dental Rewards carryover
- Waiting periods: commonly none across all types including ortho; takeover credit honored
- Orthodontia: adult + child add-on, 50%, ~$1,000–$2,500 lifetime
- Network: 400,000+ access points / 100,000+ unique providers
Want to flex the headcount, contribution, salary and turnover assumptions? Open the interactive calculator.
Why it pays off
The value for your team
Best for: The owner who wants a tailored design, likes rewarding preventive care, and may want to dial the max high.
Strongest angle: Per-person carryover: every covered person (employee and each dependent) banks unused maximum year over year, and contribution flexes to fully voluntary.
For a 10-person firm, voluntary turnover quietly costs roughly $12,000 to $28,000 a year (employees × ~13% turnover × salary × ~25% replacement cost). This plan runs about $3,000 a year for the team, so it only has to nudge retention slightly to pay for itself. See the cost of turnover for the full picture.
Honest caveat. The $5,000 top tier exists but its exact design needs a broker quote. Dental Rewards are forfeited if no claim is filed in a year. Premiums quoted per company.
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