Do The Impossible. . . Create A Dental Plan That Makes Everyone Smile!

Reprinted by permission.

Some people think that a dental benefit plan that pleases both employers and employees is about as likely as turning a frog into a prince. They've jumped to the wrong conclusion. Large and small employers across the nation are using a simple, cost-effective strategy for providing dental benefits. It's called Direct Reimbursement.

Direct Reimbursement: It's Not The Traditional Story

Traditional dental plans attempt to contain costs by limiting services, treatment and even providers. Direct Reimbursement, on the other hand, reduces costs by eliminating third-party involvement in the benefits payment process. It is self-funding strategy that allows employers to administer their own in-house dental plan. Here's how it works. Employees covered by Direct Reimbursement:

Direct Reimbursement Everybody Wins

Direct Reimbursement Is Cost Effective

Direct Reimbursement often costs 25-35 percent less than fully insured dental plans. That's because Direct Reimbursement eliminates costly overhead expenses such as sales commissions, insurance company profits and third party administrative fees. And because employees are reimbursed only for actual expenses, no premium monies are wasted on unused benefits.

Direct Reimbursement Is Simple

With Direct Reimbursement there are usually no deductibles and few, if any, treatment exclusions. Benefits are generally stated as a percentage of actual dental expenses up to an annual maximum benefit allowance. Because employees understand how expenses will be reimbursed, confusion and complaints are virtually eliminated.

Direct Reimbursement Is Flexible

Employers can tailor a plan to meet the specific needs of their group and their budget. Companies converting to Direct Reimbursement can mirror the benefits of their previous plan. Groups that have never offered a dental plan can begin conservatively and increase benefits in their second or third plan year.

Direct Reimbursement Allows Freedom of Choice

Direct Reimbursement preserves what surveys show employees feel is the most important aspect of a dental plan - the right to choose their own dentist.

Direct Reimbursement: A Common Sense Approach

Direct Reimbursement encourages employees to get involved in their own care. It allows employees and dentists to agree on treatment plans that are clinically appropriate and cost effective. Unlike traditional plan, Direct Reimbursement does not insulate employees form dental care costs. As employees save money, so do their employers.

Look To Us For Help

Direct Reimbursement gets to the heart of what employees and employers want: Simple, cost effective, non-restrictive dental benefits. Remember, when you opt for Direct Reimbursement, your dental benefit dollars go directly to paying for care, not for insurance company overhead and profits.

Because Direct Reimbursement may be a new concept to you, the we would like you to write us using the form at the below.