If you’re an employee wondering whether your small business offers dental insurance through Covered California for Small Business (CCSB), you’re not alone. Many employees struggle with dental costs, not realizing that affordable dental coverage may be available through their employer.
On the other hand, if you’re a small business owner, you might be looking for the best way to provide dental benefits to your employees—without breaking the bank.
So, does Covered California for Small Business include dental insurance? How much does it cost? And most importantly, how can employees and employers benefit from it? At Skyline Benefit, we specialize in helping small businesses and employees find the best Covered California for Small Business (CCSB) dental insurance plans.
What is Covered California for Small Business Dental Insurance?
Covered California for Small Business (CCSB) dental insurance provides affordable group dental plans for small businesses with 1 to 100 employees. These plans ensure that employees and their families can access essential preventive and major dental services at a lower cost.
For employees, this means reduced out-of-pocket costs from routine cleanings to major procedures like root canals and crowns.
Who is Eligible for Covered California for Small Business Dental Insurance?
Covered California for Small Business (CCSB) offers dental coverage year-round to:
- Small business owners with 1 to 100 full-time equivalent employees
- Employees whose employers offer CCSB dental plans
- Dependents of covered employees, including spouses and children
What Does Covered California for Small Business Dental Insurance Cover?
Coverage varies by plan, but most CCSB dental plans include:
100% Covered Preventive Care
- Routine cleanings & exams (usually covered every 6 months)
- X-rays to detect cavities and other dental issues
Basic Dental Services (Partially Covered)
- Fillings for cavities
- Simple tooth extractions
- Treatment for gum disease
Major Dental Services (Covered at a Percentage)
- Crowns & bridges
- Root canals
- Dentures & oral surgery
Some CCSB dental plans also offer orthodontic coverage, which benefits employees with children needing braces.
How Much Does Covered California for Small Business Dental Cost?
The cost of CCSB dental insurance depends on the specific plan selected. Here’s a breakdown of what to expect:
- Employer Contributions – Some employers pay a portion of dental premiums, while others may offer it as a voluntary benefit where employees cover the cost.
- Employee Costs – Employees typically pay monthly premiums and potential copays or deductibles for certain dental procedures.
- Tax Benefits – Employers offering group dental insurance may qualify for tax credits, lowering business expenses.
Even if your employer doesn’t contribute to dental premiums, CCSB dental plans are often more affordable than purchasing individual dental insurance.
Which Insurance Companies Offer CCSB Dental Plans?
Employees and employers can choose from four major health insurance companies offering CCSB dental coverage:
- Blue Shield of California
- Kaiser Permanente
- Health Net
- Sharp Health Plan
Each of these companies provides different levels of coverage, so it’s important to compare plan options before enrolling.
Why Should Employers Offer Covered California for Small Business Dental Insurance?
- Attract and Retain Employees: A strong benefits package—including dental insurance—makes small businesses more competitive when hiring. Many job seekers prioritize health and dental benefits when choosing an employer.
- Improve Employee Health & Well-Being: Oral health is linked to overall health. Employees with access to dental care are less likely to suffer from serious health issues like heart disease and diabetes.
- Reduce Sick Days & Increase Productivity: Employees with dental pain are less focused and more likely to miss work. Offering CCSB dental insurance ensures that employees get regular checkups, preventing serious issues before they start.
- Cost Savings for Everyone: Routine dental visits help avoid expensive emergency treatments. Plus, small business owners may qualify for tax incentives when offering group dental insurance.
How to Enroll in CCSB Dental Insurance
If you’re an employee wondering how to get CCSB dental coverage, start by asking your employer whether they offer a Covered California for Small Business dental plan.
If you’re an employer, follow these steps to enroll:
- Contact Skyline Benefit – a Licensed CCSB Broker.
- Compare Available Dental Plans to find the best fit.
- Choose the Best Plan for your employees.
- Complete Enrollment & Start Coverage.
Unlike individual insurance, Covered California for Small Business allows year-round enrollment, making it easy for employers to sign up anytime.
Need Help with 2025 Covered California for Small Business (CCSB) Broker?
Skyline Benefit is a Covered California broker in Fullerton, CA, offering the 2025 Covered California for Small Business (CCSB) Health Plans. We know that picking the best group health insurance plans can feel overwhelming, our mission is to simplify the process and help our clients every step of the way.
Schedule a consultation today. Call us at: (714) 888-5112
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