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. Self-funded benefits plans such as DR are regulated by the U.S. Department of Labor. Your plan must be in writing and should be reviewed by your attorney. To receive information on DR plans, contact the California Dental Association.