Dental Benefits
You Can Actually Use

No deductibles. No networks. One card. Just care.

Payment Received — $256.10
Direct Pay • Enamel Dentistry
toothsome
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Your Dental Wallet
$1,450
Funded by Acme Corporation

$1,200
$250
🔍
Find Provider
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Virtual Card
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Transactions
💰
No Copays or Deductibles Paid instantly via dental wallet card
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Any Licensed Dentist No networks, no restrictions
No Claims Process Patients pay providers directly
Trusted Provider Network & Memberships
Brush365 Enamel Dentistry Niva Dental Specialists | Health Rosetta Free Market Medical Assoc. Austin Chamber

Traditional Insurance Is Just a Checkbox

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.

$1,500
Annual Maximum — Unchanged Since 1970

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.

$3,600
Average Annual Cost Per Employee

Employers pay thousands per employee for dental insurance — yet up to half goes to administrative overhead, not patient care.

42%
Adults Avoid Dental Care Due to Cost

Even with coverage, copays and plan complexity keep people from getting care. Benefits should remove barriers — not create them.

Three Steps. Zero Complexity.

Toothsome creates a direct connection between employer dollars and dental care — simpler, faster, and more transparent.

1

Employers Fund
Dental Wallets

Set a monthly or annual dental allocation per employee. Funds go directly into individual dental wallets — simple, transparent, and fully flexible.

  • Flexible allocation amounts per tier
  • Real-time spend visibility & reporting
  • HRA tax advantages (30-35% more purchasing power)
Employer Dashboard
Live
FBO Balance
$41,820
1.8 months runway
Total Disbursed
$22,700
↑ 18% vs last month
Utilization Rate
68%
↑ 12% vs industry avg
Avg Cost/Employee
$179
Per month
2

Employees Get
Care Anywhere

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.

  • Visit any licensed dentist nationwide
  • Transparent pricing before treatment
  • Preventive rewards for completing care
Checkout
In Network
💰 You're saving $127 with Toothsome pricing
D0150
Comprehensive Exam
$85
D1110
Adult Cleaning
$110
D0274
Bitewing X-rays (4)
$65
Total $260
3

Providers Get
Paid at the Visit

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.

  • Instant card payment at any provider
  • Real-time 213(d) eligibility verification
  • Zero claims paperwork
Provider Portal
Payment
Payment Received!
$256.10
John Smith • Acme Corp
Direct Pay • ••••4521
$4,280
This Week
12
Patients
$357
Avg Ticket
💡 No insurance claim needed — payment received at visit

Two Approaches to Dental Benefits

See how direct-funded dental care compares to the traditional plan model.

Traditional Plans
Annual Maximum $1,500 cap
Provider Choice Network only
Claims Process 30-60 day wait
Copays 20-50%
Unused Funds Use it or lose it
Pricing Hidden EOBs
Toothsome
Annual Maximum Flexible allocations
Provider Choice Any licensed dentist
Claims Process No claims — pay at visit
Copays Paid via dental wallet card
Unused Funds Employer keeps savings
Pricing Transparent upfront

What Direct Contracting Looks Like

70–80%
Lower Cost vs Traditional Insurance

Employers fund ~$500/employee/year instead of $3,600+ in premiums — and only pay for care that's actually used.

12–14%
Lower Medical Costs with Dental Care

Diabetic patients who receive periodontal treatment see 12–14% lower total healthcare costs — turning dental benefits into a medical cost savings engine.

$0
Claims Filed by Employers or Employees

Payments flow directly through the dental wallet card — no claims, no reimbursement delays. Eligible expenses are covered instantly at the point of care.

From Loss Leader
to ROI Generator

When employees actually use their dental benefits, companies see measurable reductions in medical claims. Dental care isn't just preventive — it's predictive.

The Diabetes Pilot: Employer-funded periodontal care → measurable A1C improvement → lower medical claims spend. Dental benefits become an ROI generator.

12%
Reduction in total medical costs
United Concordia integrated care studies
22%
Fewer hospitalizations
JADA dental-medical integration research
$1,500+
Annual medical savings per employee
Cigna medical-dental integration data
21%
Lower heart attack risk
American Heart Association research

Built for Modern Benefits

Everything employers and employees need to manage dental benefits — simple, transparent, and fully digital.

💰
Real-Time Wallet

Employees always know their balance, spending history, and rewards. No more guessing what's covered.

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Any Provider

Visit any licensed dentist. No networks to check, no referrals needed.

Direct Pay

Patients pay providers directly at the visit. No claims to file, no 45-day waits.

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Employer Dashboard

Real-time visibility into utilization, spend, and medical cost savings. Track ROI on every dollar.

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Full Coverage Range

Preventive, restorative, and cosmetic — all funded through a single wallet.

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HIPAA Compliant

HIPAA-compliant infrastructure with SOC 2 Type II certification and encrypted data at rest.

Stop Overpaying for Underused Benefits

Employers using Toothsome save 70–80% versus traditional dental insurance — while employees get seamless wallet payments at any dentist.

Get Started →

Ready to Transform Your Dental Benefits?

Schedule a walkthrough to see how Toothsome eliminates claims, reduces costs, and gives your team real dental care.