Direct Reimbursement offers 10 great reasons to move in a new direction:

1. Savings: DR is not insurance. Eliminating insurance company overhead saves money. Your dollars go to dental care - not cost administration.
   
2. Flexibility: DR offers maximum flexibility. You choose the benefit levels and co-payment schedules. 
   
3. Simplicity: Employees are reimbursed for a percentage of their actual expenses up to a preset allowance. There are few excludable treatments.
   
4. Right to Choose: Employees choose their dentist. You choose the reimbursement plan that best fits your business. DR works great for employers with multiple locations even in different states.
   
5. Tailored for You: Whatever the size of your company and budget, we'll help you design an affordable plan that is right for you.
   
6. Easy Set-up: DR set-up is simple and easy. We provide consultation and all the documentation needed to fully implement the plan.
   
7. No "Red Tape": No waiting periods, treatment limitations or lengthy claims-filing to frustrate you and your employees.
   
8. Responsive Claims System: Claims are processed quickly, cutting turn-around time to days - not months.
   
9. Cost Incentives: DR encourages employees to explore treatment options. This can help lower their out-of-pocket costs and reduce the size of their dental claims.
   
10. Limited Financial Exposure: Only employees who visit their dentist receive benefits (an average of 60% per year). Excess funds stay in your account to pay future claims or reduce costs.

Health Savings Accounts

We still believe this is the future of employer sponsored medical benefits. President Bush is a big supporter of the concept and has changed legislation this year to expand availability to more groups.

The basic concept is to reward better consumers and make insurance what it does best - pay for larger claims, not little ones. If you have any questions, please call us.

Did You Know ??. . . We specialize in all aspects of employee benefits - Health, Life, Disability, Retirement, and Health Savings Accounts. We understand the difficulties that arise when seeking acceptable benefits for both employers and employees. We would like to help you make the right decision that would benefit both of you.