Supplemental Benefits

If you’ve ever looked at a dental explanation of benefits or bill and seen the term “UCR,” you’re not alone in wondering what it means. It’s one of those insurance terms that shows up frequently but rarely gets explained clearly. Unfortunately, it can also directly affect how much you pay out of pocket for dental care. UCR stands for Usual, Customary, and Reasonable. It’s a method some dental insurance plans use to determine how much they consider an acceptable charge for a p

Offering voluntary benefits can be a great way to support your employees and improve retention, but not all benefits are created equal. Some look great on paper, while others actually get used and appreciated by employees in meaningful ways. If you’re an employer considering voluntary benefits, here’s what you need to know to make smart, impactful choices. What Are Voluntary Benefits? Voluntary benefits are employee benefits that complement core health coverage. They are flex

Dental insurance can seem straightforward: pay your monthly premium, visit the dentist, and let your insurance handle the rest. But anyone who’s tried to navigate a dental plan knows it’s rarely that simple. Understanding the fine print can help you avoid surprise bills and ensure you get the care you need. 1. Not All Procedures Are Equal (and Cleanings Aren’t Either) Dental plans typically categorize services into three groups: preventive, basic, and major. Preventive care—l

Choosing a dental plan? Here are the top 6 things to look for, from coverage types and annual maximums to network options and cost-saving features.

Real Stories: How One HR Manager’s Decision to Offer Voluntary Benefits Changed a Life (and a Workplace)

This real-life story shows how accident insurance helped one family handle medical bills and unexpected costs after a fall. Learn why supplemental benefits matter.

Voluntary benefits can change your financial future. Discover which plans are best for your life stage — from young professionals to retirees — and how they help fill important coverage gaps.

Real Stories: Why One Employee Was Glad They Chose Hospital Indemnity Coverage

Health insurance doesn’t cover everything. Learn how to layer voluntary benefits like accident, hospital, dental, and disability insurance to fill the gaps and stay protected.

Confused by MAC and UCR dental insurance plans? Learn the difference between these plan types and how they affect your provider choice, reimbursements, and out-of-pocket costs.

Think salary is everything? Discover the top 10 reasons why employees often value voluntary benefits — like accident, dental, and disability coverage — even more than a raise.

Real Stories: How a Cancer Plan Helped One Family Avoid Financial Devastation

Many people don’t realize their health insurance doesn’t cover dental or vision care. Learn why these benefits matter, how to get them, and what it costs to go without.

Voluntary benefits help employees get affordable extra protection and can save money through pre-tax contributions. Learn why these flexible benefits are gaining popularity with both employers and employees.