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 Beam quote — carriers price each company by census, ZIP and design.
Plan design
- Annual max: up to $5,000 (Ultra tier); $1,500–$2,000 standard
- Waiting periods: none by default; no missing-tooth clause; composites not downgraded
- Orthodontia: adult + child on Select/Ultra, commonly 50%
- Network: 500,000+ access points; live in ~5 business days
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 founder of a young, design-conscious company who wants a modern benefit set up in days.
Strongest angle: Speed and modernity: live in about five business days via the self-serve Lighthouse portal, with no chair-side gotchas.
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. $5,000 is the Ultra tier; standard tiers are $1,500–$2,000. The legacy smart-toothbrush perk is being phased out. Network figure is access points (locations), not unique dentists. Premiums quoted per company.
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