Boost your benefits with dental and vision

Dental insurance and vision insurance are essential parts of any competitive benefits package. By offering coverage through Colonial Life, you can help your employees access dental and vision care without impacting your bottom line.

Offer our benefits

Supporting dental health and overall wellness

Employees rank dental insurance as the second most desired benefit after health coverage¹

Regular dental care is an important part of maintaining overall health. However, dental cleanings and procedures aren’t usually covered by health insurance, potentially leaving your employees with bills to pay.

Colonial Life Dental Insurance encourages routine dental care, creates a more competitive benefits package and helps reduce out-of-pocket expenses for an array of procedures, including:

Cleanings
Fillings
Sealants
Tooth removal
Crowns
Dentures

Healthier, happier employees contribute to stronger businesses. If you’re looking for ways to round out your benefits package without incurring direct costs to your organization, consider Colonial Life Dental Insurance.

Enhance your employee's dental insurance with vision coverage

Colonial Life Dental Insurance offers an optional vision rider to help pay for eye exams and materials, such as glasses and contact lenses. This additional coverage can help your employees maintain healthy vision and overall wellness.

Your employees will have access to a national vision network that includes independent optometrists, ophthalmologists and retail stores like Walmart, Sam’s Club Optical, Costco, Pearle Vision and Target.

Focus on your business, and we'll take care of the benefits

Offer our benefits

Mother and young daughter smiling at dentist office

The advantages of Colonial Life Dental Insurance

Offer employees dental coverage at no direct cost to you

Colonial Life Dental Insurance is an employee-paid, individual dental plan that provides benefits for a variety of covered procedures, from routine cleanings to root canals.

All Colonial Life Dental Insurance plans:

Provide dental coverage for preventive, basic and major services
Offer access to a nationwide network and allow for substantial discounts by seeing an in-network provider
Have coverage options for your spouse and/or dependents
Are individually owned so employees can keep their coverage even if they change jobs
Offer the ability to include orthodontia and vision coverage

Contact your Colonial Life representative to learn more about the coverage that is best for your employees.

What types of dental insurance are available?

What does vision insurance cover?

How can I help my employees calculate how much dental insurance they may need?

Each person’s needs vary, so encourage employees to look back at the amount they spent on dental expenses in past calendar years. This can help them identify the estimated amount they spend on dental each year. If an employee hasn’t had dental care recently, contact your representative for help calculating an appropriate amount for coverage for their family.

How can employees tell if their dentist is in-network?

Can my company provide claim estimates for prospective policyholders or those without a policy in force?

How long are the waiting periods?

Does Colonial Life offer group dental insurance?

Is individual dental insurance HSA-compatible?

How can insured employees find out how much they will pay out-of-pocket for dental procedures?

Where can insured employees find a copy of their policy and update their contact information?

Are dental benefits paid to the employee or the dentist?

Most dentists will file insurance claims on behalf of their insured patient. The benefit can be paid to the employee, but most of the time the employee will choose to have the benefits paid directly to the dentist. Although claim payments will not default to the provider, the majority of dental offices have standard forms that require assignment in order to be accepted as a patient. This is standard practice in the dental insurance industry.

Can insured employees keep their dental insurance if they leave the company?

1 LIMRA & EY, 2023 Workforce Benefits Study.

The vision rider may not be available in all states.

THESE POLICIES PROVIDE LIMITED BENEFITS.

DENTAL AND VISION NETWORK ACCESS PLANS ARE AVAILABLE FOR DENTAL PPO PRODUCTS.

For the Dental Network Access Plan, click here.

For the Vision Network Access Plan, click here.

In certain Texas counties, Colonial Life & Accident Insurance Company may have received a waiver for a departure from network adequacy requirements. For more details and a list of affected counties, click here.

Individual Dental PPO (IDN8000) or Individual Fee Schedule Insurance is not available for sale to new accounts or existing accounts without a dental offering in place in MA. This is effective as of March 4th, 2024.

This information is not intended to be a complete description of the insurance coverage available. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. Applicable to policy forms IDN8100, IDN8000, Dental, and rider forms R-VSN8100, R-VSN8000, R-Vision and R-Ortho (including state abbreviations where used, for example: IDN8100-TX, Dental-TX, and R-VSN8000-TX). For cost and complete details of coverage, call or write your Colonial Life representative or the company. An insurance producer may contact you.

California residents – Summary of Dental Benefits and Coverage Disclosure Matrix (SDBC) is available for IDN8000-CA/IDN8100-CA (Individual Dental PPO)

California residents – Summary of Dental Benefits and Coverage Disclosure Matrix (SDBC) is available for Dental-CA (Fee Schedule)

Arizona residents – View exclusions, limitations, and reductions for policy forms IDN8100-AZ, IDN8000-AZ, R-VSN8000-AZ, and Dental-AZ

Kentucky residents – View detailed disclosures, including exclusions and limitations for policy forms IDN8100-KY, IDN8000-KY, R-VSN8000-KY, and Dental-KY