Individual and family dental insurance

^* No copays or deductibles for exams, cleanings, x-rays and other preventive services outlined in the contract at in-network dentists up to the allowable charge and up to the annual $1,500 maximum for each member.

^**There is a 12-month waiting period from the effective date for the following services: Crowns, onlays and oral/periodontal surgery, dentures and bridges, and dental implants. The waiting period is waived if you were covered under another policy that covered major services and had at least 12 months of continuous major service coverage under that plan (credit will be given for less than 12 months.) Waiting periods must be satisfied if there has been a lapse in coverage or for new members who are added to this policy who did not have prior coverage for major services. Your previous coverage will be verified. You may be eligible to receive credit towards this waiting period by submitting proof of coverage from your prior dental insurance carrier. Proof of coverage should include the following: A letter from dental carrier on their company letterhead, a list of major dental services covered by your policy, and an effective date and termination date. You may send this proof of coverage via email to [email protected] or by post mail to PO Box 239, Topeka, KS 66601 within 60 days of your dental effective date with us.

Exclusions: Any dental service not listed as a covered service in this program, patient education services, hospital calls and/or consultations, laboratory and pathological examinations, bone grafts for alveolar ridge augmentation, dental services primarily for cosmetic purposes, except for an accidental injury, all Temporomandibular Joint Dysfunction Syndrome related services, occlusal adjustments, temporary or provisional dental services and procedures, orthodontic services. This is a brief summary of the coverage available under this program. Please refer to the policy for a complete list of exclusions and limitations.