No deductibles. No networks. One card. Just care.
Traditional dental plans were designed decades ago. Annual maximums, network restrictions, and slow claims processing mean employees often don't get the care they need.
The standard annual cap hasn't kept pace with modern care costs. Adjusted for inflation, that $1,500 should be closer to $12,000 today. Your employees deserve more flexibility.
Fully insured dental means paying premiums every month whether employees get care or not. Whatever goes unused stays with the carrier — not with your plan, and not with your people.
Even with coverage, copays and plan complexity keep people from getting care. Benefits should remove barriers — not create them.
Toothsome creates a direct connection between employer dollars and dental care — simpler, faster, and more transparent.
Set a monthly or annual dental allocation per employee. Funds go directly into individual dental wallets — simple, transparent, and fully flexible.
Employees visit any licensed dentist — no networks to check, no pre-authorizations to wait for. They pay with their Toothsome card — employer funds cover eligible expenses automatically.
The Toothsome card pays providers instantly at the visit — no claims to file, no reimbursement to wait for. Eligible expenses draw from the employer-funded dental wallet in real time.
See how direct-funded dental care compares to the traditional plan model.
Employers fund a fixed annual wallet per employee and only pay for care that's actually delivered — no premiums vanishing into an insurer.
Diabetic patients who receive periodontal treatment see 12–14% lower total healthcare costs — turning dental benefits into a medical cost savings engine.
Payments flow directly through the dental wallet card — no claims, no reimbursement delays. Eligible expenses are covered instantly at the point of care.
Periodontal disease travels with diabetes, cardiovascular risk, and pregnancy complications — and a growing body of published research links completed dental treatment to lower medical costs and fewer hospitalizations for the people who need it most. Millions of Americans see a dentist in years they never see a physician, which makes the dental chair one of healthcare's most underused front doors.
The design question: if treating gum disease in a member with diabetes is associated with double-digit medical-cost reductions in published studies, why does every dental plan fund that member exactly like everyone else? That's the question Precision Benefits is being built to answer.
Precision Benefits is the next tier of the Toothsome platform, launching soon: employer plan designs that add dental benefit dollars where clinical evidence shows the greatest whole-health impact — for example, an additional periodontal benefit for members managing diabetes — written into the group health plan as a defined benefit feature. Dentists continue to diagnose and plan treatment independently, exactly as they do today; the employer's plan design determines the benefit.
Benefit levels set by the employer's plan design, grounded in published clinical research.
No prior authorization, no utilization review, no payments for findings.
Pilots designed to report completion and outcomes, not to assume savings.
Everything employers and employees need to manage dental benefits — simple, transparent, and fully digital.
Employees always know their balance, spending history, and rewards. No more guessing what's covered.
Visit any licensed dentist. No networks to check, no referrals needed.
Patients pay providers directly at the visit. No claims to file, no 45-day waits.
Real-time visibility into utilization, spend, and medical cost savings. Track ROI on every dollar.
Preventive, restorative, and cosmetic — all funded through a single wallet.
HIPAA-compliant infrastructure with encrypted data at rest.
Schedule a walkthrough to see how Toothsome eliminates claims, reduces costs, and gives your team real dental care.