Although some small, medium and large business owners in Iowa offer health insurance to their employees, many Iowans are left on their own when it comes to dental insurance. Iowa businesses can offer their employees a discounted or free plan, to ensure that their families receive good dental care.

Dental coverage in Iowa isn't as expensive as you might think. By shopping around a little, you can get great group rates that get cheaper per person, the more employees you enroll.

When you're considering a change in dental coverage, follow these ground rules:

1. Talk to your employees and co-workers to find out how important Iowa dental insurance is to them.

2. Look closely at your current plan. Sometimes Iowa dental insurance companies will discount your plan if you add dental or vision, so you may not pay much more to get more.

3. Compare individual dental insurance for Iowa employees to decide whether to set up a company-funded plan or allow special discounts for your employees.

Action Steps
The best contacts and resources to help you get it done

Shop online for great group dental insurance in Iowa

The dental insurance IA employees want is uncomplicated and inexpensive. Search online for discounts and easy access to local dentists in your area. Often a single website will give you quotes from a few online plans so you don't have to jump around from site to site.

I recommend: Go to eHealthInsurance or DentalPlans.com to get a free quote and compare regional plans. Contact a representative to discuss dental insurance coverage in Iowa for your employees.

Talk to your current insurance broker to discuss your options for dental insurance in Iowa

Look at your current medial coverage plan closely and look for an option for dental insurance. Iowa medical insurance providers often give dental coverage as well for a fraction of what it would cost to go through a separate provider.

I recommend: Speak to your local Blue Cross Blue Shield of Iowa or Humana One representative to find out how to add dental insurance. IA insurance companies pride themselves on working with local dentists to give you the best service for your money.

Consider Iowa dental insurance providers specializing in individual or small business coverage

If your current medical insurance provider doesn't offer dental insurance plans Iowa employees are asking for, look into other providers such as Delta Dental. This company is one of Iowa's largest company providers and has a wide range of dentists in its circle.

I recommend: Contact Delta Dental or AETNA to ask about their employee coverage or to request a proposal. When considering dental insurance in Iowa, consider what goes into good oral health and make sure your plan covers the areas your employees requested.

Compare dental coverage in Iowa, focusing on dental insurance vs. dental discount plans

Discount dental plans differ from insurance plans in a number of ways. Typically there is less paperwork and waiting time for your plan to start with discount plans. Your employees will pay less for their dental visits and services but will not have the larger coverage group dental insurance in Iowa offers.

I recommend: Ask your current insurance broker to explain the difference and help decide which works best for your employees and business situation. Visit DentalPlans.com to find a cheap dental plan in Iowa, and search Employer FAQs to answer the questions you may still have about employee coverage.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Conduct a survey asking your employees how happy they are with their current Iowa dental insurance providers. In Iowa you have many options to give your employees what they want to take some time to make sure they're happy.
• •  Offer dental insurance coverage in Iowa only to your employees if family coverage is too expensive for your small business to afford. Any coverage is better than no coverage.