Keep Your Employees Smiling
For 30 years, The Standard has provided Group Dental insurance that helps employers minimize costs without sacrificing high-quality care. We offer flexible employer- and employee-paid plans that make it easy for you to choose coverage that balances affordability and quality care for your employees.
Strong Nationwide Dental Network
We rely on the Ameritas dental network – one of the largest in the nation. By visiting a dentist in the network, where available, members can often reduce their out-of-pocket expenses for dental procedures.
Easy Plan Implementation
Plan implementation and enrollment is fast and simple. All you need to do is provide us with a census, file feed or enrollment form – and we'll do the rest. We can also provide complete COBRA administration to help alleviate administrative burdens.
Local Service Model
At The Standard, we believe that customer service is much more than a nice-to-have. That's why our representatives in our field offices throughout the nation are available to help you when you need it.
Performance Guarantee: For dental groups with more than 100 lives, we will refund 5 percent of the previous quarter's administrative expenses if we don't meet your overall service expectations.
Flexible, Affordable Coverage
Find the right dental plan for your company. Our plans can be tailored to meet your workforce's specific needs, helping you find the right balance of comprehensive coverage and affordability.
A Quick Summary Of Our Plans
Optima CareSM Dental PlanOptima Care is a highly customizable traditional indemnity plan that offers the greatest choice of claim allowances, deductibles, coinsurance options and plan maximums.
Banner Dental CareSM PlanBanner Dental Care is a comfortable, lower-cost alternative to Optima Care. It includes the most frequently used dental benefits.
Optional Plan Enhancements
Max BuilderSMInsured individuals who use less than half of their annual maximum receive an increase in their maximum for the next benefit year, allowing them to save benefits to cover future procedures, potentially reducing out-of-pocket expenses.1
Max Builder FlexSMThis benefit works like Max Builder to reward insured individuals who visit the dentist yearly but use less than half of their annual maximum. Even better, with Max Builder Flex, those who qualify can build unlimited Dental benefits and enjoy annual increases in Vision2 benefits for contact lenses or frames, as well as one-time increases in benefits for orthodontia and LASIK AssistSM.
Max KeeperSMWith this option, preventative dental procedures (Type 1) do not count toward an insured individual's annual maximum benefit — saving the full benefit amount for services such as fillings, crowns, bridges, root canals and anesthesia.
High/Low CareSMWith High/Low Care, you can provide two plans in one policy. Employees choose the level of dental insurance they need, picking from two reimbursement levels and premium options.
Teeth Whitening BenefitHelp your employees put their best smile forward. This benefit provides coverage for teeth whitening every two years. Members can choose either in-office laser bleaching or a custom-made tray for applying a whitening gel at home.
LASIK AssistSMMembers receive a benefit, which increases over time, for laser vision correction procedures. The benefit provides a lifetime flat dollar amount per eye for employees and covered dependents age 18 and older.1
1 Not available with all Group Dental plans.
2 Requires enrollment in a Group Balanced Care VisionSM plan from The Standard and the number of insured individuals must match the Dental plan.
PolicyLinkSM Dental + Vision Plan
Dental and Vision coverage can be one of the best ways to attract and retain employees. The benefits encourage preventive care to help identify health problems before they become serious. But for many businesses, the costs are still perceived as too expensive.
Our PolicyLink Dental + Vision Plan is an affordable, unique plan that provides streamlined administration and robust benefits that not only give you the most value for your investment — but also add value to your business. Choose one of The Standard's Dental plans3 and combine it with our cost-effective Balanced Care VisionSM Plan III.
A Flexible Approach
Dental and Vision benefits share one plan maximum, with a specific portion allocated to Vision. This enables your employees to take a flexible approach to managing their care, with the option to apply unused Vision benefits towards Dental care.
Customize a Unique Plan to Suit Your Needs
Learn more about Balanced Care Vision Plan III.
Also see our PolicyLink Dental + Vision Plan brochure.
3 Only certain Dental plans can be used for the PolicyLink Dental + Vision Plan. The Dental portion of this plan must have Type 1, 2 or 3 coverage without limitation (internal max) on Type 3 procedures. Enrollment in the plan requires enrolling in both products. This product is not available with Standard Select or in the state of Washington.
Fresh Approach to Dental Care for Your Employees
Hybrid Dental CareSM gives you the comprehensive services of traditional dental insurance — but at premium rates that can be as much as 55 percent less than our traditional plan rates.4 You will appreciate the cost-conscious rates. Your employees will appreciate access to high quality dental care.5
|Hybrid Dental Care Sample Plan||Traditional 100/80/50 Dental Plan|
Employers can choose various options that affect overall plan costs. The most cost-effective plan may look like this:
An employee pays the first $250 of dental costs, whether it's to cover a cleaning or a crown.
After that, the plan covers 80 percent of the cost of any covered dental procedure, up to a higher-than-average $3,000 annual maximum benefit.6
Employee does not pay for preventive maintenance (generally two annual checkups and cleanings, annual X-rays and fluoride treatments for kids.)
Employee pays 20 percent of the cost for basic procedures such as fillings and root canals.
Employee pays 50 percent of the cost for major procedures such as crowns and bridges.
Significant Savings: Rates as much as 55 percent less than our traditional plan rates, and higher savings when paired with an FSA or HSA.4
High Maximum: The plan's $3,000 annual maximum benefit is double the typical $1,500 maximum for traditional plans.6
Flexible Plans: You can offer this plan as a contributory or non-contributory plan.
Straightforward Terms: Hybrid Dental Care features a straightforward plan design that is easy to understand.
Expansive Network: This plan offers access to Ameritas' nationwide network of dental providers.
Out-of-Network Options: Your employees can visit in-network or out-of-network dentists.
For more information about Hybrid Dental Care, contact your local Employee Benefits Sales and Service Office at 800.633.8575.
Also see our Hybrid Dental Care brochure.
4 This savings percentage is derived from a comparison of Hybrid Dental Care rates and The Standard's 100/80/50 plan.
5 Hybrid Dental Care is not available in New Mexico or Washington state. Hybrid Dental Care does not include orthodontia.
6 NADP 2015 Dental Benefits Report: Premium and Benefit Utilization Trends, January 2016