The employer or TPA reimburses the employee based on a pre-determined rate, not exceeding the annual maximum benefit allowances. Advantages Freedom of Choice. Employees choose their own dentist, including specialists, and may change at any time. DR plans have few, if any, treatment restrictions or exclusions. Administrative costs are low.
Benefits are simple and easy for employees to understand.
Employees are directly involved in the payment process, an effective means of cost control. This may inconvenience some employees. Costs vary from month to month depending on plan utilization. Purchase Considerations 1. DR plans may not be recommended by insurance brokers because they eliminate third party profits and commissions.