Each employer determines a reimbursement schedule for dental expenses incurred. The employee is then reimbursed according to this schedule from a fund established by the employer using employer and employee contributions. An increasing number of both large and small employers across the nation have adopted Direct Reimbursement plans to assist their employees in meeting the costs of their dental care. Employers with as few as two employees to employers with as many as 10,000 employees are using a DR plan successfully. An employee visits the dentist of his or her choice.
Treatment is determined and care is provided.
Employee is responsible for paying the dentist. Payment may be in the form of a credit card, personal check or cash. For an extraordinary expense, where up front payment would be a hardship, a payment arrangement can be worked out between the employee and the dentist. Employee submits a copy of the receipt to administrator as proof of payment. Employee is reimbursed, according to the plan design.