Pacific will begin offering dental coverage through The Standard Insurance Company beginning in 2026. The Standard offers comprehensive dentistry, from primary care to endodontics, periodontics, pediatric dentistry, dental implants, and orthodontia for children up to age 19.
You can search for a dentist through the . You will search using the Classic (PPO) network.
The Standard's Preferred Care Dental Products
- Plan participants are free to receive care from any dentist they choose. Out-of-pocket expenses are generally lower when using network providers, who have agreed to provide dental care at discounted fees. Plan participants who receive care with a non-network dentist are reimbursed based on the 90th percentile of the Usual & Customary Rate. (Means 9 out of 10 dentists in a specific ZIP Code area charge at or below the plan allowance for a procedure.)
- Standard's plan gives participants across the nation over 580,000 provider access points for dental care.
- Network providers must meet credentialing and quality assurance requirements.
- If a member does not elect to participate when initially eligible, the member may elect to participate at Pacific's next enrollment period. If you do not enroll during Pacific's open enrollment period, you will be subject to the Late Entrant Provision (12 month waiting period for any procedure except exams, cleanings and fluoride applications).
Orthodontia
Initial Insureds and New Enrollees: The Standard will provide coverage on current orthodontic treatment programs and pay up to The Standard’s orthodontic maximum minus any benefits the plan participant has received from the prior carrier.