Dental Plans

With Direct Reimbursement (DR), it's easy to create a dental plan to meet your company's specific needs.

DR is a self-funded group dental plan in which the employee is reimbursed based on a percentage of dollars spent for dental care provided, and which allows employees to seek treatment from the dentist of their choice.

Whether you're an HR benefits decision maker, a dental professional or a consultant/broker, DR may be of interest to you. Find out why thousands of companies are already enjoying the simple advantages of Direct Reimbursement.

The American Dental Association strongly supports DR, the dental profession's preferred method for financing dental treatment. The two primary reasons for this support are freedom of choice and fee-for-service dentistry.

The Advantages of Offering A Dental Benefits Plan Dental health is a key factor to preserving one's general health. Employers and other plan sponsors offer dental benefits for a variety of reasons. Offering a dental benefits plan makes economic sense. A frequently overlooked reason for employee absences or poor work performance is dental disease or discomfort. And as every human resources professional knows, days lost can mean money lost. A quality dental benefits plan can aid in the recruitment and retention of employees. Dental benefits are consistently cited as one of the most sought after employee benefits.

Most medical needs and treatments are unpredictable, catastrophic, high cost and an insurable risk. Most dental needs and treatments are predictable, non-catastrophic, low cost and low risk. Dental disease is most often preventable; with the exception of damage due to an accident, dental treatment begins with relatively low-cost diagnostic procedures, such as exams and x-rays. If decay or disease is detected, the sooner it is treated, the less expensive that treatment will be. The dental needs of an employee group are highly predictable. For this reason, a dental benefits plan can often be self-funded. Extremes in cost and utilization (evident in many medical benefits) are rarely observed with dental statistics.