Hybrid Dental CareSM gives you the comprehensive services of traditional dental insurance — but at rates that can be as much as 55 percent less than our traditional plan rates.1
You'll appreciate the cost-conscious pricing. Your employees will appreciate access to the Ameritas network for high quality dental care.2
| 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 75 percent of the cost of any covered dental procedure, up to a higher-than-average $2,500 annual maximum benefit.3 | 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.1
High Maximum: The plan's $2,500 annual maximum benefit is nearly double the typical $1,500 maximum for traditional plans.3
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.
Also see our Hybrid Dental Care brochure.
You can tailor our plans to meet your workforce's specific needs, helping you balance comprehensive coverage with affordability.
This unique plan design lets your employees use a portion of the shared dental and vision annual maximum towards vision coverage.
Need more information about our dental plans? Contact your broker or call your local employee benefits sales and service office at 800.633.8575.
1 This savings percentage is derived from a comparison of Hybrid Dental Care rates and The Standard's 100/80/50 plan.
2 Hybrid Dental Care is not available in New Mexico or Washington state. Hybrid Dental Care does not include orthodontia.
3 The typical annual max is between $1,000 and $1,499 per NADP 2017 State of the Dental Benefits Market report, May 2018.
These products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. Please contact The Standard for additional information, including costs and complete details of coverage. Employee out-of-pocket costs, coverage amounts and annual benefit amounts may vary. Please consult your plan for complete details of coverage.
Group Dental and Vision Insurance underwritten by Standard Insurance Company is provided under policy form numbers: 9000 Rev. 04-13, 9021 Rev. 04-13.
Group Dental and Vision Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form numbers: 9000 NY Rev. 03-15, 9021 NY Rev. 03-15, 9000 NY Rev. 03-17, 9021 EHB-C NY Rev. 03-17. This policy provides DENTAL and VISION insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company.
