Fee For Service Dental Plan and Section 125

[Guest pbayl10]

Is a fee for service dental plan a benefit that employees could pre-tax under Section 125? It is not an insurance product. The members of the plan must use certain providers and pay a fixed fee for most dental procedures and receive a negotiated discount for other procedures.

This plan also has discounted vision,chiropractic,and some discounted prescriptions as long as they use providers that are members . Any help would be appreciated.

Paul

[KIP KRAUS]

Yes it can be pre-taxed under a Section 125 plan.

[GBurns]

How would you pre-tax it?

There is no monthly premium, so you cannot do a POP.

The fees for services are only due when used.

The only way that I see is to use an FSA in which the amount would have to be pre determined, or use a 105 MERP, to reimburse the employee.

[mroberts]

Sometimes discount programs still carry a monthly or annual premium. I'm not too familiar with a lot of dental discount carriers, but I know Lens Express for vision is a discount carrier with an annual fee.