Direct Dental Reimbursement

What is it?

Dental Reimbursement Plans are an innovative approach to self-funding an employer’s dental plan. Dental Reimbursement Plans are strongly supported by the American Dental Association and by many benefits professionals. The Dental Reimbursement Plan concept is a simple, cost effective way to provide a dental plan for employees- a plan that will meet the employer’s financial goals and the employee’s benefit needs.

Direct Reimbursement (DR) is a simple, cost effective dental plan that guarantees the following important benefits:

• No premiums. Instead payment is made when actual treatment is received.
• Virtually all the money spent goes toward dental treatment (90% - 95%) – not to extraneous overhead or administration.
• Employees are free to visit any dentist they choose, including their current dentist.
• Plan flexibility: employees will be happy with the decreased plan restrictions- no pre-authorizations.

Why offer a Dental Reimbursement Plan?

• As a national average, approximately 40-45% of all people with dental benefits do NOT receive treatment in any given year.
• Of those who do receive treatment, most incur dental costs of less than $200 a year.
• The potential for savings when running this type of plan is huge.