Actually…you probably can, but it’s going to be more expensive that you…or your group (if it’s employer provided) will be willing to pay. So in those cases it’

Actually…you probably can, but it’s going to be more expensive that you…or your group (if it’s employer provided) will be willing to pay. So in those cases it’s not even offered. My wife sells dental insurance to businesses. These brokers are doing plan designs that specifically exclude certain services to get monthly costs down to the expected competitive floor pricing. Think of it this way, you have 100 people in your group. 5 are willing to pay for implant coverage at $100/mo, but to get that rate, you need 75% participation of the group. 95 people will not participate if it’s more than $20 a month. Your plan design is going to be designed to appeal to the 95 over the 5 and that broker is going to bring in a plan that is as close to $20/mo without going a penny over…and hope like hell that their competition isn’t lower with a similar plan design.