PLAN FEATURES

ELIGIBLE EXPENSES
We will pay for Eligible expenses You Incur for Yourself or on behalf of Your insured Dependent. Expenses must be incurred while the Policy is in force and the person is covered by the Policy. The description of Eligible Expenses is shown in the Coverage Schedule. To be an Eligible Expense, the dental service or procedure must be performed by a licensed Dentist, Physician or Dental Hygienist.

EXPENSES INCURRED
An Eligible Expense is considered incurred on the following dates: For full and partial dentures- the date the final impression is taken; for fixed bridges, crowns, inlays and onlays - the date the teeth are first prepared; for root canal therapy - the date the pulp chamber is opened; for periodontal surgery - the date surgery is performed; for all other services - the date the service is performed.

DEDUCTIBLE AMOUNT
The calendar year Deductible, if any, is shown in the Coverage Schedule. The Deductible is an amount of eligible charges You must incur for Yourself or on behalf of Your insured Dependent before We can begin paying benefits.

MAXIMUM CALENDAR YEAR
The maximum limit payable for all Eligible Expenses in any calendar year is shown in the Coverage Schedule. The Maximum Calendar Year Limit, if any, will apply to each person covered under the Policy.

ALTERNATE BENEFIT
If: 1) We determine that a less expensive alternate procedure, service or Course of Treatment can be performed in place of the proposed treatment to correct a dental condition; and 2) the alternative treatment will produce a professionally satisfactory result; then the maximum We will allow will be the charges for the less expensive treatment.

COORDINATION OF BENEFITS
If any person under this Policy (referred to as "this Plan") is also covered under one or more other plans, the benefit under this Plan will be coordinated with benefits payable under all other plans.

PRETREATMENT REVIEW
If the Course of Treatment will exceed the amount shown in the Coverage Schedule, We will request prior review. We must be given the Dentist's treatment plan consisting of a description of the planned treatment with estimated charges and diagnostic x-rays. We will determine Eligible Expenses and state how much We will pay for the treatment. Our determination may suggest an alternate less expensive Course of Treatment if it will produce professionally satisfactory results. If You do not request a pretreatment review, We will pay for the least expensive method of treatment regardless of the method actually used.

ELIGIBILITY
Individuals, 65 years of age or older, plus their eligible dependent spouse. This is subject to State requirements.

TERMINATION OF COVERAGE
Coverage terminates on the earliest of the following dates: (a) the last day of the month in which You cease to be eligible for coverage; (b) the last day of the month in which Your Dependent is no longer a dependent as defined; (c) subject to the Grace Period, the last day of the month for which a premium has been paid by you or on your behalf; (d) or the date the Master Policy ends.

EFFECTIVE DATE
You and Your Dependents are covered on the later of: the date We accept Your enrollment and determine and effective date; or the date You first acquire a Dependent, if the date is after Your coverage begins.

REASONABLE AND CUSTOMARY
Reasonable and Customary means the usual, customary and regular charges for the area where such expenses are incurred.