Carefully compare plans. Because benefits vary, evaluation is complex. Check the UCR Percentile-the higher the percentile, the better the benefits coverage. Ask if the carrier provides claims experience reports. They are helpful in monitoring cost-effectiveness.
Premiums paid are actually deposits made by employer into a trust fund.
Advantages Freedom of Choice. Employees choose their own dentist, including specialists, and may change at any time. Dental offices usually file claims, and benefits can be paid directly to the dentist. The employer receives regular claims experience reports detailing claims and administration costs. This gives the employer greater accountability Disadvantages Less Predictable.