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Standard Insurance Company has a history of helping small companies fulfill their needs for employee benefits. Our line of group Dental insurance products enables small business owners with two or more employees to provide valuable group insurance coverage. Designed specifically for the small business market, our plans offer value through the right combination of features and service.
Standard Select Dental Product
The Standard offers a choice of three distinct Standard Select Dental plans:
- The Standard SelectSM Optima CareSM (Plan 1)
offers the most generous benefits in terms of frequency of procedures, expense
classifications and coinsurance schedule.
- The Standard SelectSM Banner Dental CareSM
(Plan 2) is priced 11% less than the Optima Care plan, balances cost and quality care
by covering essential procedures to maintain oral health while controlling expenses
through procedure limitations.
- The Standard SelectSM PPO Max (Plan 3) is
priced 28% below the Banner Dental Care plan, using the Banner Dental Care procedure
placement and frequency limits while also using the PPO negotiated fee amounts for the
maximum claim allowance when insureds see out-of-network providers. This plan is only
offered in areas where PPO provider density is high enough to maximize network usage
and minimize service dissatisfaction with insureds.
Standard small employer group requirements
- They insure only 30 hour plus employees
- The employer has to have been in business for 2 years or be a spin–off
in the same industry.
- Need to keep the enrollment of those related by blood or family to 50% or
less of the enrolled group.
- There is a one year wait on major unless they have had dental for two years
or one year with major covered.
- The minimum employer contribution is 50% of the employee premium.
SST Group Dental Insurance Brochure
Standard SST Rate Brochure
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