Part 21: Direct Reimbursement- Simply the Best

Whether you are an employer or an employee, this is for you!  Direct Reimbursement offers the best bang for the insurance buck.  It is a self directed fund set up by the employer.  Here's how it works:

1.  Employer decides how much he/she wants to provide per employee for dental benefits each year.

2.  The employee knows exactly, up front, the amount  they have for dental care each year.

3.  Employee keeps their own dentist.

4.  Employee and their dentist decide what treatment is best.  No pre-determinations.  No limitations.  No third party involved in any way.

5.  Employee pays for the dental care.

6.  Employee presents paid receipt to employer.

7.  Employer reimburses employee.  No fuss- no muss!


This has several obvious advantages over traditional dental insurance.

A.  For the employer:

      1. Can control this line item of the budget

      2.  No third parties to negotiate or deal with.
   
      3.  Lower cost.

      4.  Minimal in-house administration.

       5.  Happier employees.

B.  For the employee:

     1.  Keep your own dentist.  Not forced to see a "Participating Dentist".

     2.  Can spend your allowance on whatever dental care you want - cosmetic, orthodontics, oral surgery,  etc.

     3.  No waiting on pre-determinations or consultant reviews.

     4.  No waiting for reimbursement from insurance company.

     5.  Usually higher benefits because employer doesn't have to pay a third party.


     So if you are an employer look into providing the best (and cheapest) insurance.  Or if you are an employee, share this information with your employer, union rep or HR person.  Tell them this is truly a win-win.

The American Dental Association has free information about Direct Reimbursement and assistance in setting it up in your business.  Here is the link.  Since we feel this is "Simply the Best", our office is happy to assist in any way.

http://www.ada.org/1330.aspx