Introducing The Only Dental Benefit Plan That Gives Unused Premium Dollars Back To The Employer.
35% of employees never visit the dentist and less than 8% maximize their benefits. Here is a way to keep all unused benefit dollars.
Pendant Health disburses benefits via a dental debit card. This easy to use, easy to understand feature increases employee utilization. Then, at the end of the year we put all unused dollars back into YOUR pocket.
Typical Dental Insurance Way
|
The Pendant Health Way
|
1. You spend lots of money paying insurance premiums.
|
1. You pay the same amount, but directly for dental care.
|
2. Your employees spend lots of money paying their share of premiums.
|
2. Your employees pay the same amount, but directly for dental care.
|
3. 35% of employees NEVER visit the dentist and their share of premiums is wasted.
|
3. We put those dollars on a debit card for each employee to use to pay for dental care.
|
4. Those who do go to the dentist still pay out-of-pocket deductibles and co-payments according to a schedule of benefits. It's confusing and expensive!
|
4. Debit cards are used to pay for dental care. There are no deductibles or co-payments. Cards are easy to use and the benefit plan is easy to understand.
|
5. Benefits not used are wasted and the insurance company profits!
|
5. All unused debit card dollars are returned to the employer, not the insurance company. You SAVE MONEY!
|
How It Works:
(Per employee per year)
|
Typical Insurance
|
Pendant Health
|
Company Pays
|
$270
|
$270
|
Employee Pays
|
$90
|
$90
|
Total Annual Cost
|
$360
|
$360
|
Fees
|
$0
|
$10
|
Benefit
|
100% Prevent
80% Basic
50% Major
|
Debit Card = $350
|
Annual Treatment Example
2 Cleanings, 1 Filling, Full X-Rays
Treatment Cost
|
$336 |
$334
(with network discount)
|
Insurance Pays
|
$276 |
$0 |
Debit Card Pays
|
$0 |
$334 |
| Employee Pays Out-of-Pocket |
$60
|
$0
|
| |
|
|
Annual Employee Cost
|
$150
|
$90
|
Insurance Profit
|
$360 - $336 = $84
|
N/A |
Returned to Employer
|
$0 |
$350 - $334 = $16
|
For additional information on Pendant Health dental plans and
group dental benefits, click here.