Standard Insurance Company's Group Dental insurance policies include features that can help both employees and employers minimize their dental coverage costs. By visiting Participating Provider Organization (PPO) member dentists, where available, employees will often reduce their out-of-pocket expenses for dental procedures.

Employers can benefit from lowered costs thanks to our dental consultants who evaluate the necessity of dental procedures and their appropriate costs. And an advanced claims system verifies employees' eligibility for benefits so that employees receive benefits only for procedures for which they qualify.

Optima Care^SM Dental: Traditional indemnity plan ideally suited for an employer that seeks maximum plan flexibility with variable claim allowances, deductibles, coinsurance choices and plan maximums.

Banner Dental Care^SM Plan: Provides employers with a comfortable, lower cost alternative to Optima Care Dental. It includes the most frequently used dental benefits that employers can enhance with additional options.

Balanced Care^SM Dental: A good choice for an employer that wants to balance cost and quality care by covering essential procedures to maintain oral health while controlling expenses through procedure limitations.

Voluntary Dental Care^SM Plan: Voluntary coverage for an employer that wants to offer group dental coverage to employees without much, if any, cost to the employer.

Preferred Care^SM Dental: Participating Provider Organization (PPO) plan for an employer that wants a choice of flexible plan designs that provide employees with an incentive for using participating dental providers.

High/Low Optima Care^SM Dental: A plan for an employer that wishes to balance cost concerns with a choice of coverage levels that meet the financial needs of individual employees.

SST^® Group Dental: Available to small businesses with two or more eligible employees, this coverage is designed to meet the specific needs of smaller companies. It includes three plan designs, all with access to a nationwide PPO network, the option for Dependents Dental coverage and administration of COBRA continuation coverage at no cost. More information...

• Flexible plan designs enable us to create a plan that's right for employers and employees.
• Low participation requirements are offered for select contributory plans.
• Toll-free customer service number and a 24-hour interactive voice response system make it convenient to reach us.
• State-of-the-art claims processing system automatically adjudicates two-thirds of claims received electronically and speeds payments.
• Complete COBRA administration is available to free employers from administration headaches.
• Online PPO directories and claims status data provide 24-hour access to information.

Products and provisions described may not be available in all states. Specific provisions may vary by state. The products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. Please contact The Standard for additional information, including costs and complete details of coverage.
SI 9000 Ed. 01-02 w/insert pages
GDC 488 MET