Standard Insurance Company's Group Dental insurance policies include features that can help your clients minimize their dental coverage costs.

• Employers can benefit from the expertise of our dental consultants who evaluate the necessity of dental procedures and their appropriate costs.
• Employees will often reduce their out-of-pocket expenses for dental procedures by visiting Participating Provider Organization (PPO) member dentists, where available.
• An advanced claims system verifies eligibility for benefits so that employees receive benefits only for procedures for which they qualify.

Optima Care^SM Dental Plan: 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 Plan: 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 Plan: 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 Plan: 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.

The Standard Select^SM Group Dental Plan: 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 the option for Eye Care and/or Orthodontia coverage. 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.¹
• Online PPO directories and claims status data provide 24-hour access to information.