What is Direct Reimbursement?
A better Dental, Medical (HRA), Health Savings Account (HSA), and Vision Plan, at lower costs.
Direct Reimbursement is a self-funded benefit plan
which can provide the highest quality of health care in the most economical way. With
direct reimbursement, your company only pays for the benefit it receives and the
cost to organize and administer the plan. Prior to direct reimbursement, companies were
forced to treat their dental plans like their medical plans by paying high insurance
premiums. The problem with treating this the same, is that dental costs are controllable,
extremely predictable, and unlike medical claims, non-catastrophic. Treating them the same
costs companies more money.
It is not necessary to pay for insurance on benefits that can be
controlled, predicted and relatively low in cost.
Companies can offer an HSA plan for employees
providing a tax saving benefit to employee and employer.
This allows employee to save for many of the common
expenses they may incur.
By raising your medical insurance deductible
and utilizing an HRA to reimburse the deductible or a portion
of the deductible, companies are enjoying spectacular
Direct Reimbursement Administrative
Direct Reimbursement Administrative Services, Ltd., (DRAS, Ltd.),
was developed in 1998 to fulfill a growing need in the set-up and
third party administration of direct
reimbursement benefit plans. Our corporate office is in Kettering, Ohio (near
DRAS, Ltd., is a company specializing in the design, implementation
and administration of self-funded plans. Our executive staff includes over
150 years of
combined experience in healthcare, administration, insurance claims, computer systems,
marketing, customer service and bookkeeping. DRAS, Ltd., also retains the services of an
accountant, attorney, and dentist to assist your needs.
Administrative Services is an appointed Direct Reimbursement
dental benefit representative of the Ohio Dental Association. The Michigan Dental Association has established an
exclusive working relationship with DRAS to provide employers
with the assistance needed to initiate all aspects of a direct
reimbursement dental plan for its employees.
Direct Reimbursement, Adm., Services, Ltd.
P.O. Box 292455
Kettering, OH 45429