You may go straight to a FAQ topic or download a PDF of the FAQ in English or Spanish:
My Plan
If you’re unsure which dental plan you enrolled in, check with your employer or contact us for help.
If you don’t know your vision plan, check with your employer or contact us for help.
If you received an ID card, you can also view the plan logo on your ID card.
If you enrolled in a dental HMO plan offered through Liberty Dental or Solstice Benefits, please check with your employer on accessing those plan benefits.
Accessing My Benefits Online
- Claim status and history
- Your benefit summary and certificate of coverage
- Your ID card
- A network provider locator
- A dental cost estimator
- A form for nominating your provider to join the network
You can also send a request to receive your Explanation of Benefits electronically.
- Claim status and history
- Your benefit summary and certificate of coverage
- Your ID card
Your vision ID card is accessible through the Dental and Vision member portal. If you elected a VSP or EyeMed plan, you'll access your coverage and claims information directly from those portals, which are separate from the Dental and Vision member portal.
On the Dental and Vision Login Options page, select the login option for the plan you're in.
If you're not registered, you'll have the option to create an account on the login page. You'll need your member ID from your ID card or your Social Security number. Don't know your member ID? Please contact us.
Your dental and vision benefits are accessed through a separate portal. Please select one of the login options above based on where your employer is headquartered. If you need help setting up your account, view the login instructions for the Dental Portal or Vision Portal.
Yes, we can help. If you don't remember your login information, please contact us.
If EyeMed is your vision PPO provider, log in at eyemed.com.
If you need help creating an online account with EyeMed, you can view or download the EyeMed guide.
Yes, they can create an account to estimate dental costs and access the certificate of coverage and benefit summary. However, only members can download an ID card and view claim activity.
ID Cards
No, you don't need an ID card. Your dental provider can use your Social Security number to verify your benefits. If you need help, please contact us.
If your plan provides ID cards, you can download a copy from the member portal. Or, you can contact us to order one for you.
Filing a Claim
Your dentist will submit your claim for you if they're part of the network.
If your dentist is not part of the network, you can:
- Ask them to submit claims for you, or
- Complete a paper dental claim form and return it to The Standard
Not sure if your dentist is part of the network? You can search network providers or contact us.
If you visit a network provider, they will submit your claim for you. If you are enrolled in Standard Vision or PolicyLink, you can submit a claim for reimbursement.
You can send us any claim form. If you'd like to use one of ours, you may download a dental or vision claim form from the Forms page.
If your employer is based outside of New York:
By mail:
Group Claims
P.O. Box 82622
Lincoln, NE 68501-2622
By email:
standard@employeebenefitservice.com
If your employer is based in New York:
By mail:
Group Claims
P.O. Box 82520
Lincoln, NE 68504-2520
By email:
standardlifeofny@employeebenefitservice.com
Or, regardless of your employer's location, you may fax claims to 402.467.7336. If you have any questions on how to submit a claim, please contact us.
While it is unlikely, be aware that communication via email can be intercepted in transmission or misdirected. Please consider communicating any sensitive information by fax or mail.
You or your provider should send us claims within the time frame specified in your certificate of coverage, which is usually 90 days. You can access your certificate through your employer or by logging into your dental or vision member portal.
Yes, if you'd like to authorize us to release your dental insurance claim information to another person, you can complete and mail (or fax) us an Authorization to Release Health-Related Information form, which you can download from the Forms page.
The Privacy Rule under the Health Insurance Portability and Accountability Act of 1996 provides you with certain rights. It also states our responsibilities, as your dental insurance provider, to protect the dental health information we maintain about you.
For details about your rights under the HIPAA Privacy Rule, including how to act on these rights, please review the HIPAA Notice of Privacy Practices.
You can file an appeal or grievance. Ask your employer for a copy of your certificate of coverage or view a copy on your member portal. Look for the section named Grievance and Appeal Procedure, which is specific to the state your employer is in. Follow the instructions to send us the needed information.
Reach out to us with questions about the process or to check the status of your appeal or grievance.
Covered Procedures
Your certificate of coverage has a list of covered procedure codes and frequencies. Ask your employer for a copy or log in to your member portal to view copies online. For other questions, please contact us.
A pretreatment estimate is a form your dentist submits before starting treatment. It tells us about upcoming services and helps us let you and your dentist know what your plan covers and the amount you'll be responsible for. We don't require a pretreatment plan for any service, but we recommend one for any service you consider expensive. Learn more about your dental benefits.
If your dental plan covers orthodontic treatment, we typically make the first payment three months after the bands are placed on the teeth. We'll send quarterly payments after that. Ask your employer for a copy of your certificate of coverage or view a copy on your member portal for more details.
More questions? Please contact us.
It depends on the plan you're enrolled in. Your certificate of coverage provides details about whether your plan covers prior extractions. If it does, the certificate will also provide a time frame for replacing the missing tooth. Look for this information in the section labeled "Limitations." Ask your employer for a copy of your certificate of coverage or view a copy in your member portal.
More questions? Please contact us.
You can estimate both in-network and out-of-network costs through your dental member portal. We also have an out-of-network estimator.
Choosing a Provider
You can visit any licensed dental provider. Remember that choosing a network provider can lower your costs since they agree to lower fees and submit claims for you.
Search the online provider directory to see if your dental provider is in the dental network. Select the network listed on the front of your ID card. Please contact us if you don't have an ID card or need help.
No, you don't.
Yes, you can see a dental provider outside the United States. However, we don't have a PPO network outside the U.S. You'll need to pay the provider for services first and send us a claim form for reimbursement.
Your vision or PolicyLink plan through The Standard does not use a provider network. You have the freedom to choose any licensed vision provider. After your visit, you can submit a claim for reimbursement.