Replace traditional dental insurance with employer-funded wallets — 70-80% cost savings, zero claims, and 100% employee choice.
Companies pay $300-600/employee/year for plans with low utilization — and employees still skip care because of costs.
Annual maximums haven't budged in 50 years while dental costs increased 12x. That same cap should be $9,000+ today if adjusted for inflation.
Unused benefits vanish at year-end. That's premium dollars spent by the employer that delivered zero value to anyone.
Even with coverage, nearly half of Americans delay dental care due to out-of-pocket costs. The investment isn't removing barriers.
Toothsome replaces traditional plans with flexible dental wallets employees actually use.
Each employee gets an HRA-based wallet funded by the employer. They use it at any dentist — medically necessary procedures are tax-advantaged, delivering 30-35% more purchasing power.
Employers configure rollover policies that fit the budget. Employees can build savings for bigger procedures based on the plan design.
No networks to check. No pre-authorizations. Employees use their wallet for any dental care — medically necessary procedures are tax-advantaged through the HRA structure.
A real-time dashboard shows utilization, spend per employee, and ROI — full transparency into where every benefits dollar goes.
Employees get recommended care — including periodontal treatment that can reduce medical costs by 12-14% for diabetic employees.
Stand out with benefits that make sense. A wallet employees control beats confusing plan documents every time.
Employers choose how much to allocate per employee — monthly or annually. Different tiers for different employee groups are supported. That's all it takes.
Employees visit any licensed dentist and pay out of pocket. They submit their receipt through the Toothsome app, and we reimburse eligible expenses via payroll — no networks to check, no pre-approvals needed.
The employer dashboard shows utilization rates, spend per employee, and total ROI. Administrators can see which employees are using their benefits and export reports anytime.
Schedule a 15-minute demo and get a custom savings projection for the team. No commitment, no pressure.
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