Modeled cost
What it costs: 10 employees, 50% employer split
Employer cost, this team
$160/mo · about $1,920/yr
$16/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 | $32/mo | $16/mo |
| Employee + spouse | $64/mo | $48/mo |
| Employee + child(ren) | $61/mo | $45/mo |
| Employee + family | $93/mo | $77/mo |
Illustrative mid market-average estimate (NADP/KFF/eHealth/MoneyGeek). Not a Delta Dental quote — carriers price each company by census, ZIP and design.
Plan design
- Annual max: group $1,000–$3,000 (entity-dependent); To Go carryover can stretch it
- Network: largest in US — Premier 154,000+ dentists / 330,000+ locations (~3 in 4 US dentists)
- Waiting periods: none for groups of any size; clear aligners at no extra cost
- Orthodontia: optional rider, 50%, ~$1,000–$2,000 lifetime
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 whose employees are spread across many ZIP codes who wants "almost any dentist already takes Delta."
Strongest angle: Network ubiquity: employees almost never have to switch dentists, and no waiting periods at any size means immediate use.
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 $1,920 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. Delta’s $5,000 plan is an individual product that excludes ortho and implants — there is no published $5,000-with-braces group plan. Delta is 39 member companies, so figures vary by state. Premiums quoted per company.
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