Sample Plan Designs
Flexible Plans Built Around Your Workforce
Dollar Based Dental plans are fully customizable by employer. The three sample designs below illustrate how employers typically structure coverage — from essential preventive benefits to comprehensive major and implant coverage. Every plan can be tailored to fit your group's needs and budget.
Dollar-Based Benefits
Benefits are defined as dollar amounts — not percentages of a carrier's fee schedule. The employer sets the annual maximum and coinsurance rate. Members know exactly what their plan covers.
No Network Required
Members choose any licensed dental provider. There is no restricted network, no in-network vs. out-of-network distinction, and no geographic coverage gaps.
Fully Customizable
The plan designs shown here are samples. Employers can adjust annual maximums, deductibles, coinsurance rates, and covered services to match their workforce and budget.
Sample Plan Designs
Plan A, B & C — Side by Side
Each plan includes full preventive coverage and dollar-based benefits for restorative and major services. Plans B and C add implant coverage and expanded orthodontic benefits.
Essential Coverage
Plan A
A straightforward entry-level plan that covers preventive care in full and provides dollar-based benefits for basic and major services up to a $1,500 annual maximum.
Annual Max
$1,500
Deductible
$50 per person
Coinsurance
50%
Coverage Details
- Preventive & Diagnostic: 100% — 2 visits per year
- Annual Deductible: $50 per person
- Coinsurance (after deductible): 50% to the annual maximum
- Annual Maximum: $1,500 per person
- Orthodontics: $1,500 lifetime maximum (included in annual max)
- Implants: Not covered under this plan
Best For
- Employers seeking a low-cost entry point
- Workforces with primarily preventive care needs
- Groups adding dental for the first time
Enhanced Coverage
Plan B
A mid-tier plan with higher coinsurance and a $5,000 annual maximum. Adds implant coverage and expanded orthodontic benefits, making it suitable for workforces with broader dental needs.
Annual Max
$5,000
Deductible
$50 per person
Coinsurance
70%
Coverage Details
- Preventive & Diagnostic: 100% — unlimited visits
- Annual Deductible: $50 per person
- Coinsurance (after deductible): 70% to the annual maximum
- Annual Maximum: $5,000 per person
- Orthodontics: $1,500 annual / $3,000 lifetime maximum
- Implants: Covered at 45%
Best For
- Mid-size employers seeking competitive benefits
- Workforces with families and orthodontic needs
- Groups replacing a traditional carrier plan
Comprehensive Coverage
Plan C
The most comprehensive Dollar Based Dental plan design, with a $10,000 annual maximum and the same strong coinsurance and implant coverage as Plan B. Designed for employers who want to offer a premium dental benefit.
Annual Max
$10,000
Deductible
$50 per person
Coinsurance
70%
Coverage Details
- Preventive & Diagnostic: 100% — unlimited visits
- Annual Deductible: $50 per person
- Coinsurance (after deductible): 70% to the annual maximum
- Annual Maximum: $10,000 per person
- Orthodontics: $1,500 annual / $3,000 lifetime maximum
- Implants: Covered at 45%
Best For
- Employers competing for talent with premium benefits
- Workforces with high dental utilization
- Groups seeking maximum employee satisfaction
Quick Reference
Plan Comparison
| Feature | Plan A | Plan B | Plan CMost Comprehensive |
|---|---|---|---|
| Annual Maximum | $1,500 | $5,000 | $10,000 |
| Annual Deductible | $50 | $50 | $50 |
| Coinsurance | 50% | 70% | 70% |
| Preventive & Diagnostic | 100% | 100% | 100% |
| Orthodontics | $1,500 lifetime | $1,500 annual / $3,000 lifetime | $1,500 annual / $3,000 lifetime |
| Implants | Not covered | 45% | 45% |
| Network Required | No | No | No |
| Provider Choice | Any licensed dentist | Any licensed dentist | Any licensed dentist |
Custom Plan Design
None of These Fit Your Group Exactly?
Dollar Based Dental plans are fully customizable. Eagles can work with you to design a plan that fits your workforce size, budget, and benefit goals — including custom annual maximums, deductibles, coinsurance rates, and covered service categories.
Disclaimer: The plan designs shown on this page are sample illustrations only. Final plan designs, benefit amounts, deductibles, coinsurance rates, covered services, exclusions, and claim procedures are determined by the employer's adopted plan documents. Dollar Based Dental is a self-funded employer benefit plan governed by ERISA and is not insurance. Benefits are not guaranteed and are subject to the terms of the employer's plan.