There is an alternative!

Example #1

This example is a company in northern Indiana and has been a SERCO client since July of 1996.  Average enrollment in the Plan is about 115 employees per month with approximately 50 being single and 65 family. Schedule of Benefits is as follows:

  • Preventive and diagnostic Type I - 100% with no deductible
  • Minor restorative Type II - 75% with a $50.00 deductible
  • Major restorative Type III - 50% with a $50.00 deductible
  • Maximum Annual Benefit is $1,000.00 per person per year.
  • Orthodontic Procedures Type IV - 50% with a lifetime benefit of $1,000.00

For a group this size an insurance premium of $102,360.00 would have been paid for the year (based on a conservative premium of $40.00 single and $100.00 family per month). Obviously they didn't pay a premium because they had a DRP instead, therefore the total that was paid for the DRP (claims and administration fees) in 2005 came to $60,941.32 for a savings of 43%.

What is a DRP?

1. Direct Reimbursement Plans are an innovative approach to self-funding dental benefits.
2. Available to any small or large group.
3. DRPs are flexible and designed to you and the Employer's needs.
4. You see the dentist of your choice.
5. The employee is reimbursed to the benefit levels that you determine as the employer.

Overall Benefits and Maximums

  • Maximum benefits may range from $500.00 to $2,000.00 annually.
  • Orthodontic Procedures may have a lifetime maximum and/or it's own lifetime deductible.
  • Deductibles may range from $25.00 to $100.00 annually per person.
  • Dependent children (if elected) are eligible until age 19 or age 23 if a full-time student.
  • Waiting periods or probationary periods may end on the first of the  month following 30 days to 1 year and may be applied to Type I, II, III   or IV individually or overall.

You may receive treatment from any properly licensed person  who is a dentist and who is rendering services and treatment  within the scope of his/her licensure and training.

  • Claims must be filed with SERCO Administrators within 90 days of   the date charges were incurred to be processed.
  • All reimbursements and payment of claims will be made to the employee not to the provider of service.Type your paragraph here.

Call now to find out how: (574) 286-5106

State Licensed In Illinois, Indiana & Michigan

For more information and additional Group Dental Plan savings examples. Please download your free brochure in PDF or PowerPoint with Audio here: 

Serco ​​​​Group Dental Plans & Health Insurance

​​Direct Reimbursement Plans (DRP)

Recommended by the ADA (1986)

Valparaiso School Corp. and Jay County School Corp.

Mobil Oil and Marriott Corp. (1996)

Eastman-Kodak and Olan Mills Studios (1998)

Typical Dental Insurance Plan

Type I

These benefits include Preventive and Diagnostic Procedures such as: Oral Exams, Cleanings and X-rays.

Benefits are usually paid at 100% without a deductible.

Type II

These benefits include Minor Restorative Procedures such as: Fillings, Anesthesia, Oral Surgery and Extraction's.

Benefits are usually paid at 80% with a deductible.

Type III

These benefits include Major Restorative Procedures such as: Crowns, Bridges, Dentures, Root Canals, Periodontal and Endodontic.

Benefits are usually paid at 50% with a deductible.

Type IV

These benefits include Orthodontic Procedures.

Benefits are usually paid at 50% with a deductible.

Overall Benefits and Maximums

Maximum benefits are usually $1,000.00 annually.

Orthodontic Procedures usually have a lifetime maximum of $1,000.00 and it's own lifetime deductible.

Deductibles are usually $50.00 annually per person.

Dependent children (if elected) are eligible until age 19 or age 23 if a full time student.


$45.00-$50.00 for single coverage

$80.00-$90.00 for employee and one dependent coverage

$120.00-$150.00 for full family coverage

About 50% is paid out in claims by the insurance company