Self-Funded Dental Plans

T.P.A.

Providing a dental plan to employees helps them maintain ongoing, preventative oral health. With regular dental visits, participants are likely to prevent cavities and gum disease. This helps keep the cost of dental insurance low.

An attractive option for many employers is a self-funded dental plan. Instead of purchasing insurance coverage from an insurance carrier, as the employer you can choose to fund the risk up to a certain level where a reinsurance carrier is engaged. The amount of risk assumed depends on the size of your organization, the nature of your business, and your tolerance for risk.

The cost savings experienced from a self-funded dental plan can be substantial.

Hanratty & Associates has a wealth of experience helping clients determine if self-funding helps their organization. We will help you custom design your self-funded dental plan and assist you in choosing a reinsurance carrier.

Our team administers your dental plan, handling eligibility verification, claim submission, payment and toll free customer service for the convenience of your employees.

Self-funded dental plans are governed by the Employee Retirement Income Security Act of 1974 (ERISA) and follow Federal law. Hanratty & Associates will guide you through the regulations set forth by ERISA and keep you updated when changes are made to the laws.