Try a Sample Scenario
Enter Your Group Information
Enter the number of employees expected to participate in the dental plan.
Enter the estimated monthly dental plan funding amount per participating employee.
If you enter your current monthly carrier premium, the estimated surplus will be based on your current annual premium spend. Otherwise, the estimate uses your plan equivalent above.
Estimated Surplus Opportunity
Estimated Potential Surplus
$36,000
This is a preliminary estimate and not a guarantee of plan performance.
Disclaimer: This surplus estimator is for preliminary discussion purposes only. It is not a quote, guarantee, underwriting result, actuarial certification, or promise of savings. Actual plan costs, reserves, claims, administrative expenses, funding requirements, eligibility, exclusions, limitations, and results will depend on the employer's plan design, participation, utilization, claims experience, funding method, administrative terms, and final plan documents. Eagles may request claims history, premium history, census data, elections, dependent information, and provider data before preparing a formal plan analysis.
Plan Comparison
Compare Sample Plan Funding Scenarios
Based on 500 participating employees.
| Plan | Monthly Equiv. / Employee | Monthly Premium Equivalent | Annual Premium Equivalent | Est. First-Year Reserve |
|---|---|---|---|---|
| $20 Plan | $20/mo | $10,000 | $120,000 | $18,000 |
| $40 Plan | $40/mo | $20,000 | $240,000 | $36,000 |
| $70 Plan | $70/mo | $35,000 | $420,000 | $63,000 |
Education
Why Dollar Based Dental May Create Reserve Opportunities
Dollar Based Dental is a self-funded dental plan model that gives employers greater control over plan design and funding. Instead of paying a fixed fully insured premium where unused premium remains with the carrier, a self-funded approach may allow the employer to retain unused claim dollars, depending on plan structure and funding results.
Employers can customize the plan design.
Dental costs are generally more predictable than medical costs.
Annual maximums help create clear claim exposure limits.
Employer funding can be aligned with actual plan performance.
Unused funds may create reserve opportunities depending on plan structure.
Get a Detailed Analysis
Request a Detailed Surplus Estimate
Submit your information and Eagles will follow up to review your current dental plan, claims history, participation, and possible Dollar Based Dental plan design options.
Disclaimer: This surplus estimator is for preliminary discussion purposes only. It is not a quote, guarantee, underwriting result, actuarial certification, or promise of savings. Actual plan costs, reserves, claims, administrative expenses, funding requirements, eligibility, exclusions, limitations, and results will depend on the employer's plan design, participation, utilization, claims experience, funding method, administrative terms, and final plan documents. Eagles may request claims history, premium history, census data, elections, dependent information, and provider data before preparing a formal plan analysis.