Sample Plans

A problem with many dental plans is that employees are confused about deductibles and by what’s covered and what isn’t. DR/DA helps eliminate the confusion and hassles resulting from employee complaints. How? By basing benefits on money they actually spend rather than on the type of the treatment they receive.

At the same time, you can limit the company’s financial exposure with cost-sharing measures like co-payments and maximums. The sample plan designs below illustrate just a few of the ways this can be done.

 

Sample Plan Designs
These examples illustrate the flexibility of DR/DA. An employer can choose any level of financial commitment initially, and then revise the benefit levels based on experience.

    • Plan A
      • Reimburse 100% of the first $100 of dental expenses
      • 80% of the next $500
      • 50% of the next $2,000
      • Maximum Annual Benefit: $1,500 (totals can be either individual or family maximums)

 

    • Plan B
      • Reimburse 100% of the first $100 of dental expenses
      • 80% of the next $250
      • 50% of the next $2,000
      • Maximum Annual Benefit: $1,300 (totals can be either individual or family maximums)

 

    • Plan C
      • Reimburse 100% of the first $150 of dental expenses
      • 80% of the next $450
      • 50% of the next $1,000
      • Maximum Annual Benefit: $1,000 (totals can be either individual or family maximums)

 

  • Plan D
    • Reimburse 50% of $1,000 of dental expenses
    • Maximum Annual Benefit: $500 (totals can be either individual or family maximums)

Contact us for assistance in designing a DR/DA plan:

Direct Reimbursement Dental
9613 Brookline Avenue
Baton Rouge, LA 70809-1433
Telephone: 888.249.4242
Email: jknox@cps125.com