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9 plan designs • Helps increase employee satisfaction and retain
long-term employees
CUSTOMIZED TO YOUR NEEDS • Employees get more control over their spending and
t
Group PPO Dental offers two platforms with multiple plan have more dollars when they need it
designs. Those platforms are: The MRA rolls over a portion of each employee's unused
Network Access Plan - Network Access Plans give you an annual maximum into a personal MRA. This can be used
option in situations where employees are willing to pay in future years as long as the employee reaches the plan's
more for freedom of choice. In-network employee costs are annual maximum. And, if a employee uses the services
based on discounted rates. Out-of-network employee costs of Preferred Providers exclusively during the benefit
are based on usual, customary and reasonable rates (UCR), year, we'll increase the amount credited to his or her MRA.
plus any deductibles and coinsurance. To qualify, employees must obtain a service from their
dental provider and not exceed the paid claims threshold
Value Plan - Value plans offer a perfect solution if you are during the benefit year. The employee and each insured
seeking ways to control costs and encourage network
utilization in areas where PPO networks are prevalent. dependent will have separate MRAs based on their own
claim activity. Each employee's MRA may not exceed the
1
M e mbers save an average of 36% off the dentist's usual MRA limit.
charge when they visit one of over 124,500 PPO dentists
nationwide. In-network employee costs are based on You and your employees can view their Maximum Rollover
discounted rates. Out-of-network employee costs are Account annual report at www.GuardianAnytime.com.
based on the difference over network negotiated rates, plus The following demonstrates how Maximum Rollover works:
any deductibles and coinsurance.
Plan Annual Threshold Max In-Network Max
Here is how they stack up to each other: Maximum Rollover Max. Rollover Rollover
Amount Amount Acct. Limit
Network Access Plan Value Plan
$1,000 $500 $250 $350 $1,000
In-Network Plan and Employees' Plan and Employees'
payments limited to payments limited to Year 1 - MRA Balance $0, Paid Claims $400 (some out-of-network)
network negotiated rates network negotiated rates The paid claims do not exceed the $500 threshold for the Plan
Annual Maximum of $1,000. Therefore, $250 is added to the
Out-of-Network Additional Employee cost Additional Employee costs MRA for year 2.
includes the difference over includes the difference
Usual, Customary and over network negotiated Year 2 - MRA Balance $250, Paid Claims $900
Reasonable (UCR) rates rates The paid claims exceed the $500 threshold. Therefore, no
Employee Participation Requirements: additional amount is added to the MRA for year 3. None is used.
The greater of 5 enrolled or 25% (250+ takeover or VT Year 3 - MRA Balance $250, Paid Claims $1,200
sitused groups require 35%) The paid claims exceed the $1,000 annual maximum, therefore,
1 Guardian Internal Reporting, 2016 $200 of the MRA is used. No additional amount is added to the
MRA, because Year 3 paid claims exceeded the threshold.
0 preventive advantage The MRA for the next year is now empty. The remaining $50 was
Year 4 - MRA Balance $50, Paid Claims $1,050
PREVENTIVE ADVANTAGE used and no additional amount is added because Year 4 paid
Allows members to receive preventive care without it claims exceed the threshold of $500.
being deducted from their annual maximum. It applies to Year 5 - MRA Balance $0, Paid Claims $400 (all in-network)
Year 5 paid claims did not exceed the threshold and the employee
both in- and out-of-network covered Preventive Services.* gets an extra MRA amount of $350 for an in-network only profile.
Benefit is embedded in all standard plans (except for groups The MRA for the next year is now $350.
sitused in MT, NH or VT).
*Refer to the policy for the complete list of 33 covered Preventive Services that qualify
DentalGuard Insurance is underwritten and issued by The Guardian Life
Insurance Company of America (Guardian), New York, NY and offered
0 maximum rollover accounts through Allstate Benefits. Products are not available in all states. Policy
limitations and exclusions apply. Optional riders and/or features may incur
MAXIMUM ROLLOVER GIVES EMPLOYEES MORE additional costs. Plan documents are the final arbiter of coverage. This
CONTROL OVER THEIR SPENDING policy provides DENTAL insurance only, GP+DG2000.
DentalGuard® is a registered servicemark of the Guardian Life Insurance
• Employees can roll over a portion of unused annual Company of America ("Guardian"), used with permission. Guardian is not
maximum into their Maximum Rollover Account (MRA) responsible for the statements in this material.
t Allstate Benefits is authorized to offer certain DentalGuard® policies
• MRAs can be used in future years when an employee underwritten by Guardian, but Allstate Benefits is not an affiliate or related
has reached the plan's annual maximum entity of Guardian.

For costs and complete details, exclusions and limitations, contact your benefits representative.
•Allstate® Rev. 12/17. Allstate Benefits is the marketing name used by American Heritage Life Insurance
Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.
BENEFITS Visit us at www.allstate.com or allstatebenefits.com.

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