A Wise Plan

		Silver	Gold	Platinum£
Type of Plan		A fee-for-service	Insured Product	Insured Product
Type of Network		In-Network Benefits Only	In-Network Benefits Only	In-Network	Out-of-Network
In-Network Providers		Over 250	Over 350	Over 600	Any Dentist
Preventive Routine exams, cleaning, flouride and x-rays.		Refer to Patient Fee Schedule	Refer to Patient Fee Schedule	100%	80% of URC
Basic Fillings and oral Surgery.		Refer to Patient Fee Schedule	Refer to Patient Fee Schedule	80%	70% of URC
Major Crowns, bridges, dentures, periodontics, and endodontics.§		Refer to Patient Fee Schedule	Refer to Patient Fee Schedule	50%	50% of URC
Orthodontics	Children & Adults	25% Discount¥	25% Discount¥	25% Discount¥	N/A
	Chlidren under 19	25% Discount¥	25% Discount¥	25% Discount¥ then 50% (Benefit)	50%
	Lifetime Maximums (Insured)	N/A	N/A	$1,000	$1,000
Specialists		20-25% Discount¥	20-25% Discount¥	Refer to notes below	Refer to notes below
Deductible Per calendar year, maximum three per family. Applies to all basic and major services	Per Calendar Year	$0	$0	$50/$150	$50/$150
Maximum Benefit Preventive, basic and major services. Per person, per calendar year.		No Maximum	No Maximum	$1,000.00	$1,000.00
Waiting Periods	Basic	None	None	3 Months	3 Months
	Major	None	None	12 Months	12 Months
	Orthodontic	None	None	Discount - None Insured - 12 Month	12 Months

Underwriting Requirements	Minimum Group Size	2 Enrolled	2 Enrolled	2 Enrolled
	Participation	N/A	N/A	N/A
	Eligible Employees	PT/FT	20 hours per week	20 hours per week
	Employer Contribution	None	None	None
	Take-Over Provision	None	None	See Note Below¢

		Triple Option Plan
		Silver	Gold	Platinum£
Type of Plan		A fee-for-service	Insured Product	Insured Product
Type of Network		In-Network Benefits Only	In-Network Benefits Only	In-Network	Out-of-Network
In-Network Providers		Over 250	Over 350	Over 600	Any Dentist
Preventive Routine exams, cleaning, flouride and x-rays.		Refer to Patient Fee Schedule	Refer to Patient Fee Schedule	100%	80% of URC
Basic Fillings and oral Surgery.		Refer to Patient Fee Schedule	Refer to Patient Fee Schedule	80%	70% of URC
Major Crowns, bridges, dentures, periodontics, and endodontics.§		Refer to Patient Fee Schedule	Refer to Patient Fee Schedule	50%	50% of URC
Orthodontics	Children & Adults	25% Discount¥	25% Discount¥	25% Discount¥	N/A
	Chlidren under 19	25% Discount¥	25% Discount¥	25% Discount¥ then 50% (Benefit)	50%
	Lifetime Maximums (Insured)	N/A	N/A	$1,000	$1,000
Specialists		20-25% Discount¥	20-25% Discount¥	Refer to notes below	Refer to notes below
Deductible Per calendar year, maximum three per family. Applies to all basic and major services	Per Calendar Year	$0	$0	$50/$150	$50/$150
Maximum Benefit Preventive, basic and major services. Per person, per calendar year.		No Maximum	No Maximum	$1,000.00	$1,000.00
Waiting Periods	Basic	None	None	3 Months	3 Months
	Major	None	None	12 Months	12 Months
	Orthodontic	None	None	Discount - None Insured - 12 Month	12 Months

Underwriting Requirements	Minimum Group Size	6 Enrolledd / Any Plan
	Participation	N/A
	Eligible Employees	20 Hours per week
	Employer Contribution	None
	Take-Over Provision	Silver - None Gold - None Platinum - See Note Below¢

Notes:
¢ The waiting periods for basic, major and orthodontic dental services shall be reduced by the number of months for which each current employee was covered under the company's prior comparable dental plan. Any waiting period listed under the Dental Limitations and Exclusions can never be waived.

£ Platinum Plans
     In-Network General Dentist & Specialist - All payments made by the plan are based on the Platinum fee schedule.
     In-Network General Dentist - Accept the Platinum fee schedule as payment in full.
     For services from all Out-of-Network Dentists, you are responsible for charges exceeding the UCR.

¥ Specialists
   Discount only - no benefit will be paid.
     In-Network Secialist - You receive 20-25% off the specialist fee for covered services.
     You are responsible for the difference between the plan payment and the discounted specialist's fee.

§ Endodontics
For Groups of 20 or more enrolled employees, Endodontics is a basic Benefit.
For Groups of 6-19 enrolled employees, Endodontics is a major benefit.

All Plans: The group's effective date is the first of the month. Current employees and their dependents must enroll within 31 days of the group's first effective datre, and may not enroll again until the group's annual renewal date or within 31 days of a qualifying event. New emplyees have 31 days after their hire date or eligibility date to enroll. Employees who cancel their plan may not enroll again until the group's next renewal date.

Revised:February 23, 2010-- This website is for comparison and informational purposes only. Actual premiums and coverage availability may vary due to age, sex, family size, zip code, health history, and tobacco use and are subject to change at any time without notice. All information submitted is held in strict confidence. See policies and brochures for coverages, exclusions, restrictions, and limitations. For any Questions, Quotes, Concerns, or Problems with this Website Please Contact Us Anyone can quote you a low premium and tell you how wonderful the plan will be. Remember it costs nothing more to have an agent. The insurance companies pay me directly , and do not charge you more for usng an agent. Therefore, I am a free source for questions and concerns. If you have learned more from me than the competition, I hope you will let me be your agent.