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dbra.org

DBRA Data

http://www.dbra.org/data.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. The majority of DBRA members are involved in the administration or marketing of self-funded, dollar-based health care plans specializing in dental benefits. One of the major benefits of membership in the organization is the ability to share data from existing client experiences. Self-funded, dollar based plans are the key to cost control. Freedom of choice is a direct benefit. 2016 The Diversified Benefits Resource Association.

dbra.org

DBRA Membership Value

http://www.dbra.org/value.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. The Diversified Benefits Resource Association is a major think-tank for persons who deal in the daily marketing, sales and administration of supplemental employee benefits programs, with a major emphasis on dental plan design. The DBRA hosts an annual meeting in the fall of each year. Past meetings have been held in St. Louis, Las Vegas, Phoenix, New Orleans, Chicago, Orlando, St. Petersburg Beach and Amelia Island. DBRA members are willing...

dbra.org

DBRA | Dental HMO

http://www.dbra.org/dhmo.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. Unlike other dental plans that allow freedom-of-choice of dentist in or out of network, the DHMO model only. Some Dental HMO plans also feature Point of Service. Under this feature, the enrollee may go out of network to receive treatment with the plan paying the cost up to its fee schedule limits and the patient paying the difference of any excess fees. DHMO's follow the medical plan model. 2016 The Diversified Benefits Resource Association.

dbra.org

DBRA | Plan Evaluation

http://www.dbra.org/evaluation.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. As part of their TPA fiduciary duties, many of DBRA's members continuously monitor the effectiveness of their employee benefit plans relative to cost estimations versus claims paid. This info is shared by members in an aggregate format to assist with the design of plans for employer groups of all sizes in all geographic areas of the country. DBRA members enhance plan design through continuous feedback and evaluation.

dbra.org

DBRA | HSA, FSA and HRA Information

http://www.dbra.org/hsa.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. HSA, FSA, HRA. HSA, FSA, HRA. Per IRS rules and regulations, employees are reimbursed tax free for qualified medical expenses up to a maximum dollar amount for a coverage period. HRAs reimburse only those items (copays, coinsurance, deductibles and services) agreed to by the employer which are not covered by the company's selected standard insurance plan. With an HRA, employers fund individual reimbursement a.

dbra.org

The Dental Benefits Resource Association

http://www.dbra.org/indemnity.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. These plans also have predetermination of benefits where the carrier must agree that the plan covers certain procedures over a specific dollar amount, submission of x-rays to approve payment for certain procedures and Least Expensive Alternate Treatment ( LEAT ) clauses that outline what procedures the carrier will cover for a particular treatment plan. Under this type of plan the covered individual can go to any dentist to receive care.

dbra.org

The Diversified Benefits Resource Association

http://www.dbra.org/index.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. In 2010 Congress passed sweeping health care reform legislation, the Affordable Care Act,. Which establishes health care exchanges to assist employers and employees to obtain competitive medical care coverage. Other forms of health care coverage including dental, vision, hearing, chiropractic, etc. are considered supplemental services which the exchanges may also promote as part of their packages. Is the organization formed by the experts i...

dbra.org

DBRA | Find a Member by State or Region

http://www.dbra.org/members.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. Diversified Benefits Resource Association members are located throughout the United States. Association members can be found in most major metropolitan areas including California. Tennessee, Texas and Utah. To find a member organization in your area, click on the state above closest to or matching your own. John Cunningham, DDS President. Direct Dental Administrators, LLC. 209 San Anselmo Ave., San Anselmo, CA 94960. Santa Rosa, CA 95404.

dbra.org

DBRA | Stop Loss Coverage

http://www.dbra.org/stoploss.shtml

HSA, FSA, HRA. Research and Resource Center. Leave Us A Message. Employers who choose to self-insure or self-fund their dental benefits may decide to purchase stop-loss insurance to cover non-projected costs due to possible excess claims which can be caused by high utilization or adverse selection. For self-funded dental plans there are two major types of stop-loss coverage: aggregate and guaranteed. Guaranteed cost insurance offers employers stability and efficiency in a self-insured plan.