Employer Advantages
What Dollar Based Dental Gives Employers
Full Plan Design Control
You define the benefit structure — annual maximums, deductibles, covered services, and exclusions. Your plan is built around your workforce and budget, not a carrier's standard contract.
Predictable Cost Structure
As a self-funded plan, you pay claims as they occur rather than prepaying premiums to a carrier. Stop-loss coverage options are available to protect against unexpected high-cost claims.
No Network Dependency
Your employees are not restricted to a narrow dental network. They choose the provider they prefer, which reduces friction and improves employee satisfaction with the benefit.
ERISA Plan Flexibility
Self-funded plans governed by ERISA are not subject to state insurance mandates in the same way fully insured plans are, giving employers greater flexibility in plan design and administration.
Surplus
Surplus is a major advantage for employers because unused plan dollars may remain with the employer's plan instead of being retained by a traditional insurance carrier. When claims and administrative costs are lower than the amount funded, the remaining dollars can help build reserves, offset future costs, stabilize renewals, or improve benefits. This gives employers greater control over their dental benefit spending and allows favorable plan performance to benefit the organization directly.
Try the EstimatorCommon Employer Frustrations
Problems Dollar Based Dental Solves
Most employer dental frustrations trace back to the same root cause: a carrier-controlled, network-dependent model that wasn't designed with employer flexibility in mind.
Annual premium increases with little explanation
Self-funded structure — you see actual claims data and control the plan design response
Employees frustrated by narrow networks
No network requirement — employees choose any licensed dental provider
Carrier-defined plan designs that don't fit your workforce
Fully customizable plan documents built around your group's actual needs
Opaque claims data and limited reporting
Direct access to claims data through Eagles administration
Renewal negotiations with limited leverage
You own the plan — no carrier renewal cycle to manage
Is It Right for Your Group?
Best-Fit Employer Profiles
Dollar Based Dental works best for employers who want more control over their dental benefit and are ready to move away from the traditional fully insured model. Eagles can help you evaluate whether your group is a good fit.
The Eagles Process
How Eagles Works With Employers
Proposal & Analysis
Eagles reviews your current dental benefit, claims history, and workforce profile to build a Dollar Based Dental proposal tailored to your group.
Plan Design & Adoption
Together, you finalize the plan design. Eagles prepares the plan documents and coordinates adoption with your legal and HR teams.
Ongoing Administration
Eagles handles claims administration and provides ongoing support, reporting, and plan management throughout the plan year.