Standalone Vs. Embedded-In-Medical Dental Benefits

Health Plans Required to Offer Pediatric Dental Care

Because pediatric dental care is so critical to a person’s overall health, the Affordable Care Act made it one of the 10 essential health benefits (EHBs) that health plans must offer to small employers.

As a result, many employers will face a common dilemma: Should they keep their standalone dental plan or switch to coverage that’s embedded with a medical plan?

Strengths of Standalone Dental Care

Although embedding pediatric benefits with a medical plan may seem like a convenient option, a standalone plan from The Standard may be more attractive to employees. Here are some reasons why.

 DeductibleOut-Of-Pocket MaximumChoice Of Dental Care ProviderExpertise
Medical With Embedded Pediatric DentalMedical deductible may have to be satisfied before dental benefits are paidMay be higher due to combined medical and dental maxEmployees may need to switch dentists to continue receiving in-network valueWith a medical provider, pediatric dental may be treated as an add-on
The Standard's EHB-Compliant PlanDeductible is for dental onlyTypically lower out-of pocket maximumEmployees can take advantage of one of the largest dental PPO networks in the nationWe’ve been providing dental benefits for 30 years – you can rely on our expertise

In addition, standalone dental benefits can offer:

  • Higher benefit levels
  • Preventative treatments that do not count toward the deductible
  • Cosmetic orthodontia

 

Not All Dental Plans Are Equal

When you choose The Standard, you get a dental plan that comes with the convenience of online administration and member access, as well one of the nation’s largest dental provider networks.

The Strength of the Ameritas Network

Our Dental insurance relies on one of the largest dental networks in the nation, with more than 300,000 access points across the country. Of course, our plan also gives members the freedom to choose any dentist they like.

Online Convenience for Plan Administrators

  • Enroll employees, change or terminate employee coverage, order a bill and pay online
  • View employee effective dates, coverage levels and more
  • Easily view or print the policy and certificates

Online Access for Members

  • Benefit summary
  • Claims forms, status and details
  • Electronic certificates and Explanation Of Benefits
  • Network provider directory, also available as a mobile app
  • Frequently asked questions, glossary and more

Great Service

Our friendly, well-trained service representatives are here to help your employees when they need it. Customer service representatives are available Monday – Thursday, 5 a.m. to 10 p.m., and Friday, 5 a.m. to 4:30 p.m. Pacific time.

 

Contact us today to learn more about pediatric dental benefits from The Standard.