Dental practices in Massachusetts
PlanOptica tracks 7 health and welfare plans sponsored by 7 dental practices in Massachusetts, covering 1,038 participants and $13M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 111 participants, and the most common size is under 100 participants (43% of plans). Fully insured coverage is the norm (71% of plans); only 29% are self-funded or mixed.
Blue Cross Blue Shield of Massachusetts, Inc dominates premium with a 88% share, followed by Harvard Pilgrim Health Care at 7%. Gis Benefits, Inc is the broker of record on 2 plans, more than any other firm, ahead of Mercer Health and Benefits, LLC (1). 86% of plans report broker compensation on Schedule A; the median brokered plan pays $72K a year, about 5.1% of premium. Waltham, Holyoke and Marlborough have the most plans.
Funding mix
- Fully insured5 · 71%
- Self-funded1 · 14%
- Mixed1 · 14%
Plan size (participants)
- Under 1003 · 43%
- 100 to 2493 · 43%
- 250 to 4991 · 14%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 111 participants. Median broker comp: 5.1% of premium across 6 brokered plans.
Top carriers, dental, Massachusetts
- 1Blue Cross Blue Shield of Massachusetts, Inc$11M4 plans · 88.2%
- 2Harvard Pilgrim Health Care$905K1 plans · 7.2%
- 3The Lincoln National Life Insurance Company$309K2 plans · 2.5%
- 4Reliance Standard Life Insurance Company$158K2 plans · 1.3%
- 5Principal Life Insurance Company$66K2 plans · 0.5%
- 6Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co$13K1 plans · 0.1%
- 7Altus Dental Insurance Company, Inc$13K1 plans · 0.1%
- 8Metropolitan Life Insurance Company$11K2 plans · 0.1%
- 9United of Omaha Life Insurance Company$4K1 plans · 0.0%
- 10Colonial Life & Accident Insurance Company$9961 plans · 0.0%
Top brokers, dental, Massachusetts
- 1Gis Benefits, Inc2 plans$18K comp · 33.3%
- 2Mercer Health and Benefits, LLC1 plans$169K comp · 16.7%
- 3Brown & Brown Insurance Svcs1 plans$88K comp · 16.7%
- 4Comprehensive Insurance Providers1 plans$82K comp · 16.7%
- 5HP Planning LLC1 plans$50K comp · 16.7%
- 6Sentinel Insurance Agency, Inc1 plans$15K comp · 16.7%
- 7Hauser Inc1 plans$13K comp · 16.7%
- 8Spring Consulting1 plans$7K comp · 16.7%
- 9Centro Benefits Research LLC1 plans$6K comp · 16.7%
- 10ADP Inc1 plans$2K comp · 16.7%
Largest dental practices in Massachusetts
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| 42 North Dental 42 North Dental Health and Welfare PlanAll plans | Waltham | Fully insured | 494 | $7.3M | Blue Cross of California |
| Affinity Dental Management Inc Affinity Dental Management Inc. Employee Benefits PlanAll plans | Holyoke | Mixed | 172 | $124K | Principal Life Insurance Company |
| Family Orthodontics & New England Family Dentistry, PC Family Orthodontics & New England Family Dentistry, PC Wrap PlanAll plans | Marlborough | Fully insured | 158 | $1.7M | Blue Cross of California |
| Chestnut Dental Associates, P.C Chestnut Dental Associates Group Benefits PlanAll plans | Needham | Fully insured | 111 | $909K | Harvard Pilgrim Health Care |
| David J Ahearn, D.D.S., P.C David J Ahearn DDS, PC Health & Welfare PlanAll plans | Fall River | Fully insured | 93 | $794K | Blue Cross of California |
| Park Street Dental, LLC Park Street Dental, LLC 401(k) Profit Sharing PlanAll plans | Westborough | Self-funded | 10 | - | - |
| Myorthos Holdings, LLC Myorthos Holdings, LLC Employee Benefit PlanAll plans | Boston | Fully insured | 0 | $1.7M | Blue Cross of California |
Plans by city in Massachusetts
Frequently asked questions
How many dental practices in Massachusetts offer an ERISA health plan?
7 health and welfare plans from 7 dental practices in Massachusetts appear in plan year 2024 to 2025 filings on Form 5500, covering 1,038 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most dental practices in Massachusetts?
By Schedule A premium: Blue Cross Blue Shield of Massachusetts, Inc (88% of premium, 4 plans), Harvard Pilgrim Health Care (7% of premium, 1 plan) and The Lincoln National Life Insurance Company (2% of premium, 2 plans).
Which benefits brokers work with dental practices in Massachusetts?
By number of client plans: Gis Benefits, Inc (2 plans), Mercer Health and Benefits, LLC (1 plan) and Brown & Brown Insurance Svcs (1 plan). 86% of plans report a broker.
How much do brokers earn on dental practices health plans in Massachusetts?
The median brokered plan reports $72K a year in broker commissions and fees, or 5.1% of premium. Figures come from Schedule A, Part I.
Are dental practices health plans in Massachusetts self-funded or fully insured?
Fully insured 71%, self-funded 14% and mixed 14%. Self-funded and mixed plans together make up 29%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery.
Prospect dental practices in Massachusetts
Open the welfare search with Massachusetts and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Dental in nearby states
Other healthcare specialties in Massachusetts
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery. Location is the sponsor's filing address in Massachusetts.