Dental Benefits for Small Business
Traditional dental carriers build their best pricing and plan flexibility around large groups. Employers with 20 to 200 employees are often left choosing between a rigid, low-value plan tier or paying a premium for flexibility a small group doesn't need.
Why Small Employers Get a Worse Deal on Dental
Carrier pricing and plan flexibility both improve with group size, because a carrier is spreading risk and administrative cost across more employees. A 20-person company and a 2,000-person company are quoted from the same rate book, but the smaller group has far less negotiating leverage and usually ends up on a standard, inflexible plan design. Group minimums also shut some employers out of certain plan tiers entirely.
How Direct Reimbursement Changes That
A direct reimbursement plan removes the group-size dependency that drives traditional carrier pricing, because there is no network to negotiate and no risk pool to build. The mechanics that make it work for a 2,000-person company work the same way for a 25-person company:
The employer sets the plan design, not the carrier. A 30-employee company can offer the same reimbursement structure as a much larger one, since the plan design is a choice, not a negotiated tier.
Per-employee exposure is capped, regardless of group size. The annual maximum per employee bounds the employer's risk whether the group has 20 employees or 200.
The administrative fee is flat, per employee. ClariFi charges $5 per employee per month regardless of group size, so a small group isn't paying a small-group surcharge the way it often would with a traditional carrier.
What This Looks Like in Practice
A small employer sets a reimbursement schedule appropriate for its budget, for example 100% of the first $100 spent per employee, 80% of the next $200, and 50% up to a $1,000 annual maximum. Employees see any dentist. There is no plan tier to qualify for and no minimum group size to meet. For the full mechanics of how the plan runs day to day, see how a direct reimbursement dental plan works.
See the Numbers for Your Group
Compare your current dental premium to ClariFi's flat $5/employee/month fee.