Group Dental
Group Dental
Group Dental Insurance
Don’t Brush Off Dental Benefits
A quality dental plan is an important part of any employer’s benefits package. It can aid in the recruitment and retention of employees and is cited as one of the most desirable benefits.
Our coverage helps you and employees minimize costs without sacrificing care.
High/Low Plans let you offer your employees a choice between two plans, two premium levels, in one policy. Your employees select the plan that best suits their individual needs.
The Benefits at a Glance document provide details on the Low Plan and High Plan how they differ.
Group Dental Insurance Plans
Flexible Plan Options for Your Employees
| Feature | Low Plan (Class 1) | High Plan (Class 2) |
|---|---|---|
| Plan Benefit | ||
| – Type 1 | 80% | 100% |
| – Type 2 | 60% | 80% |
| – Type 3 | 40% | 50% |
| Deductible | ||
| – Per Calendar Year | $50 | $50 |
| – Waived for Type 1 | Yes | Yes |
| – Per Family | $150 | $150 |
| Maximum (per person) | $1,000 per calendar year | $1,500 per calendar year |
| Ortho Coverage | No | Yes |
FAQ
Got questions?
We’ve got answers!
Your dental plan through The Standard allows you and
your family members to see any dentist you choose,
regardless if they are in or out-of-network. Family
members are not required to see the same dentist.
You have 2 dental plan options, so you can choose the
plan that is right for you. The Key differences to
compare on the summary are:
- Annual maximum Benefit ($1000 vs $1500)
- Coinsurance (this is % the insurance will pay)
- Orthodontia – only available on the High plan.
The Standard utilizes the Ameritas Dental Network.
Dentists in the Ameritas Dental Network have agreed to
charge you 25-50% less than their regular rates. Many
of them also offer discounted fees on non-covered
dental services as allowed by state law.
To find a new dentist or see if your dentist is in network,
visit: http://www.standard.com. Click on “Find a
dentist”. You will receive a pop- up message: Click
“Continue to Ameritas”. On the provider search page,
you may enter the area you would like to search. Or click
on “Additional Filters” to search by provider name. On
‘Select a network’: click “Classic (PPO)”.
Your dentist will typically file your claim. If an out of
network dentist will not file your claim, you can submit it
for reimbursement. Go to: www.standard.com/dental
and click: “find a form” to download a claims form. You
may also submit the dentist’s ‘Universal Claim Form’ to
the address on your ID card.
Once your coverage is active, you will have access to
your benefits in the Member Portal at
www.standard.com/dental. Click on “Log in for
Benefits”. At this site, you can: check the status of your
claim, see your remaining benefits, get a plan summary,
print an ID card and nominate a dental provider to the
Ameritas network.
As a smart consumer, it is beneficial for you to know
your share of the cost up front. For services over $200
we recommend that your dentist file a pretreatment
estimate with The Standard. You will receive a written
response showing what The Standard estimates your
dental plan will pay, and the amount you will be
responsible for paying.
You may also access the Dental Cost Estimators in the
Member Portal. With the Out of Network Dental Cost
Estimator, you can look up the average cost for any
procedure in your area. With the In Network Dental
Cost Estimator, you can look up an In-Network dentist’s
contracted fee to see how much you could save!
Yes. Periodontal Maintenance is covered, in lieu of
your regular cleaning, if the member has had prior
Periodontal Therapy. If this therapy was completed
before your coverage was in effect with The Standard,
your dentist must submit the date of the Periodontal
Therapy and supporting documents.
We will allow replacement if the tooth was recently
extracted.
The High Plan has coverage for braces for children
under age 19. The braces must be placed while you
are enrolled in the High Plan, unless they were covered
under your prior plan.
If your child was banded while you were covered under
the prior plan, and you enroll them in the high plan, we
will continue payment. We reimburse for braces
quarterly over 2 years (or the treatment period, which
ever is less). We will request a statement from your
prior carrier, or orthodontist, showing how much your
prior carrier paid. We will subtract that amount from
our $1500 ortho benefit and pay the remainder in
quarterly payment for the rest of the treatment period.
If your child was banded prior to your effective date in our High Plan, and you didn’t have prior coverage for them, they will not be covered.
If your child was banded prior to your effective date in our High Plan, and you didn’t have prior coverage for them, they will not be covered.
Get Your Customized Insurance Quote Today!
Quick and Easy Steps to Secure Your Employees Insurance Coverage Quote
Simply provide the complete company name and address, the name and date of birth for each employee and the preferred plan. We’re here to make the process seamless for you!
Call us
615-365-4404
Email us
pdtins@aol.com