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Dental
Plans
Show the Way
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| "Direct
Reimbursement is an innovative approach to self-funding employee
dental benefits. It is strongly supported by the American Dental
Association as a cost-effective way to provide a dental plan
for employees that gives them the freedom to choose their dentists." |
American
Dental Association
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Dental care utilization is routine, predictable, low cost and noncatastrophic.
Conversely, medical events like heart attacks or auto accidents are high risk, unpredictable, catastrophic and very expensive. Consider that the average employee uses only about $400 annually on dental care and 40% of employees won't even go to the dentist each year. Conclusion: dental should be self-funded and medical should be insured.
Most Americans do not have dental insurance and must pay for treatment.
This has forced dentists to remain competitive to attract their patients and keeps dental fees in check. Cost containment for dental plans begins with the patients exercising their right to seek care from their chosen provider and receive the treatment they authorize. Limiting access and restricting benefits through PPO and DMO plans often leads to employee dissatisfaction.
Self-funded plans pay benefits only after treatment has been completed.
Any unused plan funds are retained by the plan and may be used to improve other benefits. Monthly expenses are limited to a portion of claims amount submitted and a monthly administrative fee to Direct Dental.
Dental treatment these days may be summarized by the fact that 49% of children have no dental decay.
Preventive measures by dentists and routine care have successfully changed the patterns of decay in the population. Dental plans that reward preventive care and allow patients to receive the individualized care that keeps them healthy will adapt best to the future and hold down healthcare costs.
Patients prefer to choose their own dentist.
Diverse employee populations require dental benefits that allow them to seek providers with similar cultural background. Employers with geographically separated offices need the security that their employees have local providers. Excellent, cost effective dental benefits can add sparkle to your entire benefit package!
The
Information contained on this web site is for informational purposes
only. Direct Dental makes no representation or warranty of
any kind, express or implied, including but not limited to warranties
as to the legality, the legal effect, or suitability of the Information,
for your purposes. Direct Dental does not and cannot practice
the law.
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