How It Works
Small and medium-sized businesses are struggling to provide quality healthcare to their employees. You want to take care of your people, and you know that quality benefits are key to maintaining team morale. But the current health insurance system isn’t on your side.
Some business owners can’t afford benefits at all, which means they lose top talent to larger corporations. Or business owners pay too much money for low-quality plans their employees never use. Either way, traditional insurance is a lose-lose.
But that’s not all. Did you know that most group insurance brokers levy a hefty fee on top of your premium plans? More details on that shady business practice soon. But now, let’s discuss a better health coverage option.
Say Hello to Access Plans for Employers.
ComHealthcare connect employers in Colorado and Nebraska with company-funded dental plans that give your team discounts on local medical services.
Here’s an example of an Access Plan in action. An employee under your plan could go to a local dentist for a tooth filling and receive over 25% off the regular price of the procedure. No complicated claims process. No denial of coverage. Just an immediate discount on necessary medical care.
Want to talk to a real person about a custom dental plan?
Give us a call.
(No robots or complex phone extension, we promise.)
(303) 649-9311
Or use our form to get started today.
Creating a Custom Access Plan
Unlike large health insurance companies, we create custom Access Plans tailored to your business’ needs. We take a variety of factors into account to create the perfect plan.
- Budget
- Company size
- Payment preference
Once we’ve talked about your needs, the ComHealthcare team will start with two base plans. These are the Open Access Plan and the Access Dental Discount Plan.
Access Dental Discount Plan
This plan takes advantage of ComHealthcare’s growing network of participating partners. In total, we have over 350 dentists who participate in our discount program.
For a simple annual fee (no complex premiums, deductibles, or claims), employees will be able to visit dentists in the ComHealthcare network. They will receive 20% to 100% off the price of services depending on the procedure. These discounts are applied as soon as they step into the dentist’s office, not months after wrestling with an insurance claims department.
Plans start at $7 per employee.
| Plan Design: | Customized to the budget and needs of your company |
| Calendar Year Maximum: | None |
| Preautorization/pre-approval | None |
| Deductibles: | None |
| Waiting period: | None. We enroll employees with preexisting conditions. |
| Orthodontics: | (Optional) |
| Specialty Care: | Members can visit any provider in the network for discounted services. Our plan covers often excluded services like laughing gas, white resin fillings, and cosmetics. |
| Qualified dependents: | Flexible |
| Fulfillment materials: | ID card, Summary Plan Description |
Open Access Plan
The Open Access Plan is a pay-as-you-go plan. Most employees don’t need thousands of dollars of dental work every year, so why should you be paying high premiums that are unnecessary?
More of your dollars will go directly to the employee. And with our lower administration costs, you won’t be padding the pockets of large corporations and brokers.
| Plan Design: | Customized to the budget and needs of your company |
| Calendar Year Maximum: | Flexible according to plan design chosen |
| Deductibles: | Flexible according to plan design chosen |
| Waiting period: | None |
| Orthodontics: | Optional |
| Specialty Care: | Members may receive care at any specialist office |
| Qualified dependents: | Flexible |
| Fulfillment materials: | ID card, Summary Plan Description |
| Open Access Plan Fees: | Flexible according to plan design and employee census |
Funding Your Account
ComHealthcare believes in max transparency. Instead of hiding behind fine print and complex billing methods, we want to know where your account stands at all times. How do you fund an Access Plan? The choice is yours:
- The employee pays the full cost of their plan through a payroll deduction.
- The employer pays the full annual cost on behalf of their employees only.
- The employer pays the full cost of the plan for their employees and their dependents.
- The employer pays the full cost of the plan for their employees only. If employees wish to add their family members, they can pay the difference between the employee cost and the cost of one or more dependents.
- The employer pays for the full cost of the Access Dental Red Plan for all employees. Then, if an employee prefers a different plan, they can “buy up” to the one they want by paying an additional monthly fee.
If you sign up for an Open Access Plan, then your fund will be able to roll over year-over-year.
Receiving Discounts
We know not everyone is familiar with Access Plans, so let’s go over the discount process again.
Our dental partner providers will apply discounts at the time of service. In most cases, depending on your company plan, employees will receive at least 25% off the base price of cleanings and procedures. For example, an oral evaluation that would typically cost $60 would only cost you $35 under our green plan.
By skipping the complicated claims process, we don’t have to hire an army of administrators. That allows us to keep your membership fees low. Providers also love working with us because we don’t require a mountain of paperwork. With Access Plans, everyone wins!
Core Values
Did you know that under traditional dental insurance plans, up to 40% of every premium dollar goes to profit and overhead for the insurance company? Because we are not an insurance company, we can greatly reduce the percentage of your “dental dollar” that is lost to your company and its employees.
Employers ask us how we can offer such quality services at affordable rates? Our answer is that we stick to our core values of affordability, transparency, and efficiency. By keeping our operations simple, we can pass on incredible savings to you without compromising on quality.
Affordable
Transparent
Our team tries to be as upfront as possible when it comes to pricing and services. Did you know that when you purchase health insurance through a broker (either for yourself or for a small business), they may take anywhere from 30% to 40% in fees? The fact that few people are aware of these price hikes is cause for concern.
With our Access Plans, we host a long list of available services and typical discounts you can expect. Our membership pricing is also set to a single, monthly fee. No copays or unexpected exemptions.
Efficient
Business Owners Can Finally Provide Affordable and Quality Health Benefits
Looking to add dental insurance to your existing benefits package? Don’t settle for an expensive insurance plan. Choose a custom Access Plan from ComHealthcare.
We build a plan designed around your needs. Not only will your employees be happy with their dental options, your bank account will thank you as well. Call our team today to discuss setting up an Access Plan for your business.
