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Overview

Direct Reimbursement (DR) is a employer-funded group dental plan in which the employee is reimbursed based on a percentage of dollars spent for dental care provided, which allows employees to seek treatment from the dentist of their choice. DR is for groups and is not an individual plan. 

Whether you're an HR benefits decision maker, a dental professional or a consultant/broker, DR may be of interest to you.

For Dentists

Some of your patients may already have DR; all you might know is that they are paying with cash, check or a credit card. By learning more about DR, you can support those employers who use DR, as well as encourage other employers in your patient base to consider this benefit option.

For Employers/Human Resource Managers

When insurance premiums are paid for every employee, the dollars can add up quickly. But with DR, money is spent when care is received rather than on monthly insurance premiums. A DR program can save administrative time as well as money. It enables companies with fewer employees to offer quality dental benefits without huge costs.

For Consumers

With reimbursement under traditional insurance plans, patients can be unpleasantly surprised with their share of the bill. With DR, employees can know their share in advance, and without these surprises, DR eliminates many of the misunderstandings and hassles associated with other types of plans. Learn more on our Insurance & Access page and ask your employer to consider Direct Reimbursement.

ADA Dental Plan Analysis Service

Still have questions about revising or changing your dental plan?

The ADA’s Dental Benefit Information Service of the Council on Dental Benefit Programs will review any current or proposed dental benefits plan for an employer or other group plan purchaser. These plan reviews address the level and scope of coverage as well as benefits language.

If you would like to take advantage of the free ADA’s Plan Analysis Service, please have someone in your human resource department complete the form on page 21 in the Understanding Your Dental Benefits brochure and mail your current and/or proposed plans to the Service.

There is no charge for this service.

For additional questions, contact the ADA Dental Benefits Program at 800-621-8099 or email dentalbenefits@ada.org.

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