Businesses are always looking for smart ways to improve employee satisfaction and retention. While health insurance and retirement plans tend to lead the conversation, dental coverage is often underestimated.
Dental insurance is a meaningful part of a competitive employee benefits package. It can influence an employee’s decision to join or stay with a company, and in a tight labor market, strong dental coverage can be a valuable edge.
Today’s employees expect comprehensive health benefits, and dental insurance is part of that expectation. Brokers who understand the strategic value of dental coverage can help business clients build packages that support both employee well-being and long-term retention.
At PrestigePEO, we know dental insurance isn’t just a nice-to-have. It’s an investment in your clients’ success. This article outlines how brokers can use dental coverage to deliver more value and how PrestigePEO helps simplify every step of the process.
In this article, you’ll learn:
- Why dental insurance matters more than employers may realize
- How brokers can align dental coverage with client goals
- Key differences between DPPO and DHMO plans
- What to look for in a dental partner
- How PrestigePEO supports brokers and their clients
Why Dental Coverage Matters More Than Employers Think
According to LIMRA, 74% of workers say dental benefits are extremely important. Still, many businesses treat dental coverage as secondary to health insurance or retirement plans. That’s a missed opportunity.
Employees who have access to comprehensive dental insurance often feel valued, which helps boost satisfaction and loyalty. Also, because dental health is closely linked to overall health, offering dental coverage shows a clear commitment to employee well-being. It can also lead to fewer absences thanks to preventive care.
In competitive hiring situations, candidates compare total employee benefits packages, not just base salary. Strong dental coverage can help employers stand out.
The Broker’s Role: Helping Clients Find the Right Fit
Brokers play a key role in helping businesses navigate dental plan options. Rather than defaulting to low-cost or basic plans, you can offer guidance on how factors such as network access, employee benefit structure and administrative support impact employee experience.
Start by understanding the makeup of your client’s workforce. Age, family status, and location all influence which plan features will matter most. Younger families might need pediatric dental coverage. Older employees may want coverage for more complex procedures.
Flexibility also matters. Employees are more likely to feel comfortable using their coverage when they can see the providers they trust. Aligning dental plan features with employee needs is an effective way to add value and strengthen your client relationships.
DPPO vs. DHMO: Helping Clients Choose the Right Plan Type
Understanding the differences between Dental Preferred Provider Organization (DPPO) and Dental Health Maintenance Organization (DHMO) plans helps brokers guide clients toward the best choice for their clients’ workforce.
DPPO Plans
DPPO plans offer broad flexibility. Employees can visit any dentist, although they save more by staying in-network. These plans typically cover a wide range of services, making them appealing to employees who want more comprehensive coverage.
DHMO Plans
DHMO plans usually offer lower premiums and predictable out-of-pocket costs. Members select a primary dentist and need referrals for specialist care. This structure can help manage costs and streamline care but offers less provider flexibility.
When discussing plan types with clients, consider budget, workforce preferences, and the importance of provider choice. These factors help determine the best match for their goals.
How PrestigePEO Supports Brokers During the Plan Selection Process
When you partner with PrestigePEO, you have access to guidance and tools that make the plan selection process easier.
Our team supports brokers with plan comparisons, network insights, demographic considerations and cost alignment. This consultative approach helps you present options with confidence and clarity.
The PrestigePEO Renewal Portal is a valuable resource during renewal season. Brokers and clients have access to renewal data, carrier options, plan performance and enrollment metrics in one place. This visibility helps identify what is working, where adjustments may be needed, and how to present options that reflect both current needs and future goals.
By combining your expertise with PrestigePEO’s support, you can help clients view dental coverage as a strategic part of their total rewards package.
What to Look for in a Dental Partner
Not all dental carriers are created equal. Brokers should look for partners that offer:
- Strong networks. More provider options increase the likelihood employees will use their dental insurance
- Transparent pricing. Predictable costs help clients budget and help employees avoid unexpected bills
- Streamlined administration. Simple tools for enrollment, claims, and plan management save time for HR teams
A strong dental partner supports the entire benefits experience, from plan selection to employee engagement. When brokers know what to look for, it becomes easier to compare options and recommend plans that align with client goals. This foundation strengthens renewal conversations and leads to a more consistent benefits strategy.
PrestigePEO keeps these priorities at the center of our dental partnerships, which helps brokers evaluate plan options with confidence and offer clients a smoother benefits experience from start to finish.
How PrestigePEO Supports Brokers and Clients Through Every Step
PrestigePEO is a partner that helps brokers deliver a stronger, more reliable experience for their clients. Our approach combines personalized support, clear information and tools that simplify every stage of plan management. The result is a smoother process for brokers and a more confident decision-making experience for clients.
Here is how we support you throughout the dental benefits lifecycle:
Curated Carrier Partnerships
We collaborate with respected carriers to offer dental plan options that meet a range of business needs. Each plan is evaluated for network quality, pricing predictability and administrative simplicity.
Consultative Guidance at Every Step
Our team offers plan comparisons, network insights, demographic considerations and cost evaluations. This helps brokers position dental coverage as a strategic part of the employee benefits package.
Integrated Administration and Client Support
We support employers with enrollment, compliance, carrier communication and daily administration. This reduces the workload for HR teams and allows brokers to stay focused on advising clients.
Advanced Enrollment Tools and Carrier Transparency
Brokers can easily review plan details, compare options, and communicate choices to clients. Clear access to carrier information and plan documents supports transparent and informed decision making.
The Renewal Portal: A More Informed Renewal Experience
The Renewal Portal provides visibility into plan performance, renewal options, and enrollment trends. This simplifies renewal conversations and helps identify opportunities for plan adjustments that support both cost and coverage goals.
With PrestigePEO, brokers spend less time managing administrative tasks and more time strengthening client relationships. Our partnership helps you deliver a clear, confident and solution-focused benefits experience that supports the long-term success of your clients and their employees.
Partner with PrestigePEO to Find the Right Dental Coverage for Your Clients
Dental coverage is more than an add-on. It’s a key part of a competitive employee benefits package and a smart move for boosting satisfaction and retention.
When you work with PrestigePEO, you’re not just offering dental insurance. You’re offering your clients trusted guidance, top-tier options, and a smoother experience from start to finish.
Connect with PrestigePEO to help your clients deliver competitive, comprehensive dental benefits. Let’s make dental coverage work smarter for brokers, businesses, and the employees they rely on.
