PLEASE PRINT THIS FORM OUT AND DO THE 5 MINUTE COMPARISON | |||||
Direct Reimbursement |
TRADITIONAL DENTAL PLAN | DENTAL HMO | DENTAL PPO | YOUR PRESENT PLAN | |
SEE ANY DENTIST OR DENTAL SPECIALIST AND HAVE VISIT COVERED | YES | YES | NO | NO |
____YES ____ NO |
COMPLETE CONTROL OVER BENEFIT DESIGN AND COSTS | YES | NO | NO | NO |
____YES ____ NO |
OVER 90% OF DENTAL BENEFIT DOLLARS GO TO ACTUAL CARE FOR EMPLOYEES | YES | NO | NO | NO |
____YES ____ NO |
ANY DENTAL PROCEDURE COVERED BY PLAN UP TO THE ANNUAL DOLLAR MAXIMUM | YES | NO | NO | NO |
____YES ____ NO |
PRE-EXISTING CONDITIONS COVERED | YES | NO | NO | NO |
____YES ____ NO |
EMPLOYEE CAN HAVE DENTAL PROCEDURE PERFORMED WITHOUT PRE-AUTHORIZATION (NO-DELAYS) | YES | VARIES BY INSURANCE COMPANY | VARIES BY INSURANCE COMPANY | VARIES BY INSURANCE COMPANY |
____YES ____ NO |
DOLLARS PREVIOUSLY SPENT FOR PREMIUMS STAY IN EMPLOYER'S ACCOUNT AND CAN EARN INTEREST | YES | NO | NO | NO |
____YES ____ NO |
ALL MONIES REMAIN IN LOCAL COMMUNITY | YES | NOT USUALLY | NOT USUALLY | NOT USUALLY |
____YES ____ NO |
HOW DID YOUR COMPANY'S DENTAL PLAN COMPARE TO DIRECT REIMBURSEMENT? |