What You Get
What Dollar Based Dental Means for You
Choose Your Own Dentist
You are not restricted to a narrow dental network. You can see the dentist you already know and trust, or choose any licensed dental provider, subject to your employer's plan documents.
Understand Your Benefit
Dollar Based Dental uses a dollar-based benefit structure. Your plan documents clearly define what is covered and how much — no confusing procedure code lookups or UCR fee schedule surprises.
No Network Frustration
Traditional dental plans often frustrate employees when their preferred dentist leaves the network. Dollar Based Dental removes that dependency entirely.
Your Care Stays Between You and Your Dentist
Treatment decisions are made between you and your provider — not dictated by a carrier's network contract. Your dentist can recommend the care that's right for you.
Using Your Benefit
How to Use Your Dollar Based Dental Plan
Review Your Plan Documents
Understand your covered services, annual maximum, deductible, and any exclusions before scheduling care.
Choose Your Dentist
Select any licensed dental provider. You are not restricted to a network. Bring your Dollar Based Dental ID card.
Receive Care
Your dentist and you decide on treatment together. Present your ID card at the time of service.
Claim Is Processed
Your provider submits a claim to Eagles as the plan's TPA, or you can submit after receiving a statement. Benefits are paid per your plan.
How It Compares
Dollar Based Dental vs. Traditional Dental Insurance
Here's how your experience as an employee differs from a traditional fully insured dental plan.
| Topic | Traditional Plan | Dollar Based Dental |
|---|---|---|
| Provider Choice | Limited to contracted network | Any licensed dental provider |
| Benefit Clarity | Procedure codes + UCR tables | Dollar-based maximums — easy to understand |
| Network Changes | Your dentist may leave the network | No network dependency |
| Treatment Decisions | Influenced by network contract | Between you and your dentist |
| Claim Submission | Carrier-managed | Submitted to Eagles (TPA) |
Common Questions
Employee FAQ
Can I use my current dentist?
In most cases, yes. Dollar Based Dental is designed as a provider-choice plan. You are not restricted to a network. Check your employer's plan documents for any specific requirements.
How do I know what my benefit covers?
Your employer's plan documents define your covered services, annual maximum, deductible, and any exclusions. Contact your HR department or Eagles for a copy of your plan documents.
How do I submit a claim?
Claims are submitted to Eagles, the plan's third-party administrator. Your provider can submit on your behalf, or you can submit after receiving a statement. Your plan documents include claim submission instructions.
What if my dentist has never heard of Dollar Based Dental?
That's okay. Dollar Based Dental does not require providers to sign a network agreement. You can show your ID card and explain that your plan is a self-funded employer benefit administered by Eagles. Your provider can submit a standard ADA dental claim form.
Is there a deductible?
Deductibles depend on your employer's plan design. Review your plan documents or contact your HR department for your specific plan terms.
What is the annual maximum?
Annual maximums vary by plan design. Your employer selects the plan structure. Common plan designs range from $1,500 to $10,000 per person per year. Check your plan documents for your specific maximum.