Dentegra Insurance Company

What Dentegra Insurance Company does

Dentegra Insurance Company is a US-based private dental benefits carrier founded in 2004 and headquartered at a mailing address in Alpharetta, Georgia, operating alongside a wholly-owned subsidiary, Dentegra Insurance Company of New England, which underwrites plans in New York. The company sells two principal product lines: ACA-compliant preferred provider organization (PPO) dental insurance plans marketed through the Health Care Exchange (Marketplace) under the Family Basic PPO and Family Preferred PPO brands, and non-insurance dental savings (discount) plans under the Smile Savings Plan and Smile Club brands. It also administers closed-panel union and group dental plans for multi-employer trust funds including FELRA, UFCW, and UNITE HERE locals. The underlying technology is a PPO network of 28,000+ dental providers across 19,000+ locations supported by electronic claims processing, online provider tools, and a member portal.

The business operates on a recurring-revenue model: monthly insurance premiums from Marketplace PPO enrollees, annual membership fees from discount-plan subscribers, and broker commissions paid to appointed insurance agents who sell Marketplace plans through HealthCare.gov and state exchanges. Distribution occurs through three channels — the federal/state Health Care Exchange (with Family Basic PPO offered in 8 states and Family Preferred PPO in 6 states), a DentalPlans.com reseller partnership for discount plans, and an appointed insurance broker network. Customers include uninsured individuals and families seeking affordable dental coverage, dental providers seeking patient volume and simplified administration, brokers earning commission-based income, and union health and welfare funds purchasing group benefits. Geographic restrictions exclude the discount plan from Alaska, California, Maryland, Montana, South Dakota, Vermont, and Washington.

Name

Dentegra Insurance Company

Legal name

Dentegra Insurance Company

Website

https://dentegra.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Dentegra Insurance Company is a US private dental benefits carrier founded in 2004 that sells ACA-compliant PPO dental insurance plans on the Health Care Exchange and non-insurance dental savings plans, serving over 3.5 million members through a 28,000+ provider network.

Ownership category

akta.pro rank

Product category

Dental Insurance

NAICS

Health and Welfare Funds (525120)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Dental Insurance (FSAIAHAA)

akta.pro secondary industries

Dental PPO Plans (HLAEAIAA), Individual & Family Dental Plans (Exchange/Off-Exchange) (HLAEABAE), Dental Discount Plans (Dental Savings Plans) (HLAEAIAD), Dental Discount Plans (Non-Insurance) (FSAIAHAD), Group Dental Plans (Employer-Sponsored) (HLAEAIAG)

Keywords

• Dental insurance plans
• PPO dental benefits
• Dental savings plans
• Marketplace dental coverage
• Dental provider network

Headquarters

HQ city

Alpharetta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Dental Insurance Premiums: PPO dental insurance plans under the Affordable Care Act through the Health Care Exchange (Marketplace). Members pay monthly premiums and receive coverage for dental procedures with deductibles and coinsurance.
2. Dental Savings Plan Membership Fees: Non-insurance discount plans where members pay an annual membership fee to access negotiated discounts on dental procedures at network providers. No deductibles, claims, or annual limits.
3. Broker Commissions: Commissions paid to insurance brokers and agents who sell Dentegra Marketplace plans. Competitive commission rates with direct deposit available.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

Dentegra Insurance Company underwrites and sells dental benefit plans to US consumers through two main lines: ACA-compliant PPO dental insurance plans (Family Basic PPO and Family Preferred PPO) sold via the Health Care Exchange (Marketplace), and a non-insurance dental savings/discount plan (Smile Savings Plan) that provides 15-50% discounts at in-network providers. The company also administers closed-panel group/union dental plans for various union welfare funds. Plans are distributed through HealthCare.gov, the Dentegra website, an appointed broker channel, and a DentalPlans.com partnership.

Product overview

Dentegra Insurance Company offers a portfolio of dental benefit products consisting of insurance and non-insurance plans. The core offerings include the Smile Savings Plan (a non-insurance discount/dental savings plan), Family Basic PPO and Family Preferred PPO (ACA-compliant PPO insurance plans through the Health Care Exchange/Marketplace), and various union/group plans. The Smile Savings Plan provides direct discounts on dental procedures with no claims submission required, while the PPO plans offer coinsurance-based coverage with in-network and out-of-network benefit levels. Union plans provide closed-panel exclusive provider benefits for union members.

Differentiator

Problem solved

Functional benefit

Brands

• Smile Savings Plan: Dental savings (discount) plan offering 15-50% discounts on dental procedures with no deductibles, no annual limits, and no claims.
• Family Basic PPO
• Family Preferred PPO
• Smile Club

Products and services

• Smile Savings Plan A non-insurance dental savings (discount) plan for individuals and families that provides 15-50% discounts on qualifying dental procedures when visiting a network provider. Features no deductibles, no annual limits, no claims submission, and discounts that start the next business day after enrollment. Distributed via Dentegra's website and through the DentalPlans.com partnership.
• Family Basic PPO A preferred provider organization (PPO) dental insurance plan under the Affordable Care Act for individuals and families, with lower monthly premiums but higher out-of-pocket costs when accessing dental care. Covers pediatric dental benefits meeting ACA essential health benefits, with no referrals required to see specialists. Sold through the Health Care Exchange (Marketplace).
• Family Preferred PPO A preferred provider organization (PPO) dental insurance plan under the Affordable Care Act for individuals and families, offering higher benefit levels with higher monthly premiums but lower out-of-pocket costs. Covers pediatric dental benefits meeting ACA essential health benefits. Sold through the Health Care Exchange (Marketplace).
• Smile Club A network access / dental discount plan variant where members receive discounts at participating providers; eligibility is verified by calling Dentegra Customer Service (877-280-4204).
• Union / Group Dental Plans Group/union dental plans administered for union members, including EPB (exclusive provider benefit) closed-panel plans with in-network-only benefits. Covers arrangements such as FELRA and UFCW VEBA Fund, Laborers District Council Health and Welfare Fund No. 2, UFCW Local 27 Staff, UFCW Unions and Participating Employers Health and Welfare Fund, UNITE HERE Local 25, and Washington Wholesalers Health and Welfare Fund.

Quantifiable outcome

• 15-50% average discounts on dental procedures (based on 2021 average fee data)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• DentalPlans.comcoreChannel Partner/ Reseller/ DistributorDentegra partners with DentalPlans.com to distribute Smile Savings Plan, a dental discount/savings plan. Customers sign up through DentalPlans.com, pay an annual membership fee, and access discounts at Dentegra network providers. Not available in Alaska, California, Maryland, Montana, South Dakota, Vermont, or Washington.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/DentegraUS
• Facebookfacebook.com/DentegraUS
• LinkedInlinkedin.com/company/dentegra-insurance-company

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dentegra Insurance Company