What percentage of companies offer dental insurance?

August 1, 2015

Category: Answers

2018 HSA contribution limit

According to the National Association of Dental Plans, about 50 percent overall. However, Aflac reported that 74 percent of companies offered dental insurance in their [2014 Workforce Report](http://www.shrm.org/publications/hrmagazine/editorialcontent/2014/0914/publishingimages/0914infographic.pdf) and the SHRM [2015 Employee Benefits Tables](http://www.shrm.org/research/surveyfindings/articles/documents/2015-employee-benefits-tables.pdf) list the percentage as high as 96 percent. [For benchmarking purposes](https://www.hr360.com/Employee-Benefits/Benefits-Trends-and-Benchmarking.aspx), though, it’s useful to make an [apples-to-apples comparison](http://www.nsba.biz/wp-content/uploads/2014/02/Health-Care-Survey-2014.pdf).

To get an accurate picture of what comparable businesses are doing about dental insurance, you should consider three factors:

Company Size




Smaller businesses with tighter budgets are [closer to that 50 percent overall figure](http://kff.org/report-section/ehbs-2012-section-2/), while 90 percent of companies with 500 or more employees are offering dental insurance.

The National Small Business Association conducted a recent survey. As part of the survey, business owners were asked whether they offered dental insurance and their level of contribution. 59 percent said they offered dental insurance. Of those who did offer it, 23 percent said they didn’t contribute anything to the plan.


Participation in insurance plans is higher in some industries. For example, the service industry, [according to the Bureau of Labor Statistics](http://www.bls.gov/ncs/ebs/sp/ebnr0020.pdf), has a lower percentage of coverage than manufacturing.

For instance, if you work as a
pharmacist, your chances of having dental insurance through your employment are fairly high, about 79 percent, but not as high as your opportunity for overall health insurance coverage, 86.7 percent.


Where you live also affects the percentage of participation in insurance coverage, according to the Bureau of Labor Statistics. The Northeast shows the highest rate of participation at 76 percent, while the South has the lowest, at 63 percent. The Midwest and Western regions rank in the middle with 71 percent and 70 percent respectively.


When comparing your company’s dental benefit offerings, be sure to take these three areas into consideration. Compare with other companies of a similar size, industry and region. Any other comparisons could leave you with a non-competitive benefits package.

Helpful Links:

[Kaiser Family Foundation: Employer Health Benefit Survey](http://kff.org/report-section/ehbs-2012-section-2/ ) – This resource provides helpful comparisons among different employer groups as to offerings of dental insurance along with other types of insurance benefits.

[IBISWorld: Dental Insurance in the U.S. – Market Research Report](http://www.ibisworld.com/industry/dental-insurance.html) – A full market research report on dental insurance statistics can be purchased on this site.

[Society for Human Resource Management: 2015 Employee Benefits Tables](http://www.shrm.org/research/surveyfindings/articles/documents/2015-employee-benefits-tables.pdf) – Compare what other HR professionals are reporting in this up to date report.


Manager, Benefits Advisors

Category: Answers

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