Dental practices in Pennsylvania
PlanOptica tracks 14 health and welfare plans sponsored by 11 dental practices in Pennsylvania, covering 4,202 participants and $14M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 124 participants, and the most common size is 100 to 249 participants (57% of plans). Most of these plans are self-funded or mixed (64%), so stop-loss and TPA relationships matter as much as the medical carrier.
Blue Cross Blue Shield of Illinois dominates premium with a 52% share, followed by Lincoln National Life Insurance Company at 25%. Emerson Rogers LLC is the broker of record on 3 plans, more than any other firm, ahead of Gallagher Benefit Services, Inc (2). 57% of plans report broker compensation on Schedule A; the median brokered plan pays $29K a year, about 11.1% of premium. Camp Hill, Philadelphia and Lancaster have the most plans.
Funding mix
- Self-funded6 · 43%
- Fully insured5 · 36%
- Mixed3 · 21%
Plan size (participants)
- Under 1004 · 29%
- 100 to 2498 · 57%
- 250 to 4991 · 7%
- 500 to 9990 · 0%
- 1,000 or more1 · 7%
Median plan: 124 participants. Median broker comp: 11.1% of premium across 8 brokered plans.
Top carriers, dental, Pennsylvania
- 1Blue Cross Blue Shield of Illinois$7.5M2 plans · 52.2%
- 2Lincoln National Life Insurance Company$3.5M2 plans · 24.6%
- 3Reliastar Life Insurance Company$1.0M1 plans · 7.0%
- 4Sun Life Assurance Company$537K2 plans · 3.7%
- 5HM Life Insurance Company$307K2 plans · 2.1%
- 6Vision Service Plan$244K1 plans · 1.7%
- 7Fair American Insurance and Reinsurance Company$234K1 plans · 1.6%
- 8Guardian$210K3 plans · 1.5%
- 9Delta Dental of Michigan$208K1 plans · 1.4%
- 10United of Omaha Life Insurance Company$152K2 plans · 1.1%
Top brokers, dental, Pennsylvania
- 1Emerson Rogers LLC3 plans$37K comp · 37.5%
- 2Gallagher Benefit Services, Inc2 plans$616K comp · 25.0%
- 3Kistler Tiffany2 plans$22K comp · 25.0%
- 4Willis Towers Watson Northeast Inc1 plans$40K comp · 12.5%
- 5Usi Insurance Services, LLC1 plans$23K comp · 12.5%
- 6Howell Benefit Services1 plans$23K comp · 12.5%
- 7Ap Benefit Advisors LLC1 plans$13K comp · 12.5%
- 8Benefitsdna LLC1 plans$13K comp · 12.5%
- 9ADP, Inc1 plans$6K comp · 12.5%
- 10Gis Benefits Inc1 plans$6K comp · 12.5%
Largest dental practices in Pennsylvania
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| North American Dental Management, LLC North American Dental Management, LLC Health and Welfare Benefits PlanAll plans | New Castle | Mixed | 2,638 | $1.3M | Reliastar Life Insurance Company |
| Residential Home Health Illinois, LLC Residential Home Health Illinois Employee BenefitAll plans | Seven Fields | Fully insured | 360 | $9.6M | Blue Cross of California |
| Smilebuilderz, LLC Smilebuilderz LLC Employee Benefit PlanAll plans | Lancaster | Fully insured | 189 | $98K | Principal Life Insurance Company |
| Verber Dental Group, P.C Verber Dental Group, P.C. Employee Benefit PlanAll plans | Camp Hill | Mixed | 145 | $100K | Sun Life Assurance Company of Canada |
| Dentrust Dental International, Inc Dentrust Dental International, Inc. Employee Benefit PlanAll plans | Pipersville | Self-funded | 130 | $437K | Sun Life Assurance Company of Canada |
| Progressive Dental Concepts, LLC Progressive Dental Concepts, LLC Group Insurance Plan (502)All plans | Camp Hill | Mixed | 127 | $88K | United of Omaha Life Insurance Company |
| Dental Arts Group South Philadelphia Dental Arts Group South Philadelphia Group Insurance PlanAll plans | Philadelphia | Fully insured | 120 | $74K | The Guardian Life Insurance Company of America |
| River Valley Health River Valley Health Employee Benefit PlanAll plans | Williamsport | Fully insured | 112 | $1.9M | Blue Cross of California |
| Progressive Dental Concepts, LLC Progressive Dental Concepts, LLC Employee Benefit PlanAll plans | Camp Hill | Self-funded | 85 | $128K | Avalon Insurance Company |
| Harris N. Horwitz, D.D.S., P.C Harris N. Horwitz, D.D.S., P.C. Profit Sharing PlanAll plans | Philadelphia | Self-funded | 9 | - | - |
| Richard A. Tanzilli, II, D.M.D., P.C Richard A. Tanzilli, II, D.M.D., P.C. Profit Sharing PlanAll plans | West Chester | Self-funded | 4 | - | - |
Showing 11 of 11 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Pennsylvania
Frequently asked questions
How many dental practices in Pennsylvania offer an ERISA health plan?
14 health and welfare plans from 11 dental practices in Pennsylvania appear in plan year 2024 to 2025 filings on Form 5500, covering 4,202 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 Pennsylvania?
By Schedule A premium: Blue Cross Blue Shield of Illinois (52% of premium, 2 plans), Lincoln National Life Insurance Company (25% of premium, 2 plans) and Reliastar Life Insurance Company (7% of premium, 1 plan).
Which benefits brokers work with dental practices in Pennsylvania?
By number of client plans: Emerson Rogers LLC (3 plans), Gallagher Benefit Services, Inc (2 plans) and Kistler Tiffany (2 plans). 57% of plans report a broker.
How much do brokers earn on dental practices health plans in Pennsylvania?
The median brokered plan reports $29K a year in broker commissions and fees, or 11.1% of premium. Figures come from Schedule A, Part I.
Are dental practices health plans in Pennsylvania self-funded or fully insured?
Self-funded 43%, fully insured 36% and mixed 21%. Self-funded and mixed plans together make up 64%.
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 Pennsylvania
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Dental in nearby states
Other healthcare specialties in Pennsylvania
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 Pennsylvania.