Many dental plans, whether insured or self-funded, are complicated, difficult to understand and have many, many limitations and exclusions. Additionally, the benefit booklet is extremely lengthy and understanding the actual benefits is next to impossible. Unknown UCR values that cause employees to unexpectedly pay more out of pocket. Deductibles Excluded procedures and six to twelve month waiting periods for needed treatment. Higher administrative costs.
Employees seem to approve.
Dwaine Badgett of Crossroads Behavioral Health DR is not a traditional dental insurance plan. Since Direct Reimbursement is a self-funded dental plan, so neither the company nor the employee pays insurance premiums. Typically save companies anywhere from ten to forty percent over other dental plans. Reimbursement money is only spent when an employee visits the dentist. If employees don t visit the dentist, nothing is spent.