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 preventive and diagnostic
70% up to $3,000 plan maximum
50% of Ortho up to a Lifetime Maximum of $1,500
Maximum Annual Benefit: $3,000

Plan B

Reimburse 100% of the first $500 of dental expenses
80% of the next $2000
50% of the next $2,000
Maximum Annual Benefit: $3,100

Plan C

Reimburse 100% of Preventive and Diagnostic
80% up to a $10,000 Annual Maximum
50% on Ortho with an annual maximum of $1,500 and a Lifetime Maximum of $3,000
Maximum Annual Benefit: $10,000

Plan D

Reimburse 70% of $3,000 of dental expenses
Maximum Annual Benefit: $2,100 (totals can be either individual or family maximums)