| Direct Reimbursement Plans | Typical Insurance Plans |
| Treatment plans agreed to by dentist and employee are covered, except for cosmetic services | Dental insurance products have numerous exclusions and lengthy waiting periods |
| DR preserves the doctor-patient relationship - freedom of choice is most valued plan feature | Narrow networks of providers exclude community dentists and erode continuity of care |
| The DR plan is simple. It's easy to communicate and easy to administer | An estimated 15+ % of premiums goes to administration and other expenses |
| There are no monthly insurance premiums for employees who don't receive dental care | In a typical dental insurance plan, "retention" (that's profit) is 3% or more of premium |
| DR empowers employees to become wise consumers of limited healthcare resources | Responsibility for costs and services received is far removed from employee |
| Employees can use benefit dollars for procedures they feel have greatest priority | The more expensive dental procedures are covered at the lowest co-insurance amount |
| Speedy reimbursement time of five working days or less | The dental insurance pays first - but watch out for the balance-owed bill afterwards |
| DR plan designs can be customized for any size company with any size budget | Customizing insurance plans is reserved for only the very largest employers |
| DR works because, unlike medical care, dentistry is predictable and non-catastrophic | Insurance protects against risk - for a price |
