HCI Benefits
Better Benefits at Lower Cost
Self Funded Dental...a low cost alternative to Group Dental Insurance
Stop being a buyer of dental insurance and become a buyer of the services themselves under the banner of the cardinal rule of American consumerism: never pay retail! Insurance companies don’t. They either pay a specific amount that they predetermine for a particular service or, more commonly, have contracts with dentists to accept a schedule of reduced fees in exchange for a listing in a network. The more potential patients an insurance company can drive to a dentist’s office the larger the discounts they can command, and in the current economy the largest networks are negotiating discounts in excess of 70%. While some insurance companies have their own networks, many others contract with independent companies who develop and maintain the networks for them. This makes a lot of sense because it allows the insurance company to focus on their core business of sales and claims processing. Most important to us is that the networks are separate from the insurance companies and, therefore, available for rent. All we have to do is rent a network that offers both inexpensive access to quality dentists in our area along with great discounts. Now, any employer can buy with the same clout as the big insurance companies. You then have the flexibility to design the ideal dental plan for your company and complete freedom to decide any employer contribution and you decide which employees are eligible to participate.
For more information and a free, no-obligation proposal for your company click the banner below and select Business and Group Plans from the menu on the left.
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