Flexible, affordable plan design
Your Plan is your Plan. You can decide (within legislated rules) how you want us to manage the Plan.
We can make some recommendations. For example, because dental costs are well-subscribed, high-cost benefits, you may want to consider providing a Health Spending Account to help cover dental care.
Or you can limit high cost items - for example, maximum $1,500 on dental care - then the HSA can reimburse the remainder. A fair amount for Members will be valued and you manage your costs. Members can ‘save’ HSA funds for anticipated future costs such as orthodontic procedures.
ASO can be an alternative but is also a great add on to an HSA plan.
The HSA can cover the co-pay amounts and items not covered by plan limitations. Plan Sponsors limit cost liability and Members feel assured of coverage when needed.
Manage Cash Flow
Alternative cost-cutting considerations are a cap on dental through your extended health benefits and supplementing with a HSA Plus which covers a maximum amount but is returned if not used at the end of the Plan Year.