Dollar Based Dental | Sample Plans

Sample Plans

A problem with many dental plans is that employees are confused about deductibles and by what’s covered and what isn’t. Dollar Based Dental 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 Dollar Based Dental. 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 $3,000 of dental expenses
Maximum Annual Benefit: $1,500 (totals can be either individual or family maximums)