Your Dental Insurance

Expenses Not Covered

The following services and supplies are not covered by the Dental Plan:

• Services and supplies in connection with a job-related illness or injury for which workers' compensation benefits are payable
• Services covered by any public program, such as Medicare
• Treatment in a hospital owned or operated by the U.S. government
• Charges that you or your family members are not legally required to pay or that would not have been made in the absence of this coverage
• Care or treatment that is not necessary
• Charges that are not reasonable and customary in the locality where you receive dental care
• Services and supplies prohibited by law
• Services covered under another plan (see Coordination of Benefits)
• Expenses reimbursable through "no-fault" automobile insurance
• Precision or semi-precision attachments, surgical implants of any type (Standard PPO only), toothbrush instruction, oral hygiene, plaque control programs, bite registrations, splinting, and dental services that do not have uniform professional endorsement.

If you have a question as to whether a service is covered, please contact a Benefits Counselor.

   Coordination of Benefits  

Most dental plans include a Coordination of Benefits (COB) provision. This means that if you or a covered dependent has coverage under another group dental plan, your combined benefits will pay up to, but not more than, 100 percent of your covered expenses.