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DENTAL COVERAGE



           It’s important to have regular dental exams and cleanings so problems are detected before they become painful—and
           expensive. Keeping your teeth and gums clean and healthy will help prevent most tooth decay and periodontal disease
           and is an important part of maintaining your medical health.

           The Down East Wood Ducks’ dental plan is through United Concordia. You do not need to elect medical to enroll in dental
           coverage.

           Your dental plan provides coverage for routine exams and cleanings and pays for a portion of other services, as shown
           in the displayed table chart.

           United Concordia Dental’s standard exclusions and limitations apply.


                            Benefit                              In-Network                  Out of Network
          Annual Deductible                                     $50 Individual                $50 Individual
                                                                 $150 Family                   $150 Family

          Annual Maximum
          (Per Person)                                             $1,500                        $1,500
          Class I: Diagnostic and Preventive Includes Exams,       100%                          100%
          Cleanings and Fluoride Treatments                    (No Deductible)               (No Deductible)

          Class II: Basic Services
          Includes Fillings, Periodontics, Endodontics, Complex   80% after Deductible     80% after Deductible
          Oral Surgery
          Class III: Major Services                          50% after Deductible          50% after Deductible
          Includes Inlays, Onlays, Crowns, and Prosthetics
          Orthodontia                                        50% after Deductible          50% after Deductible
          (Dependent Children up to Age 19)                $1,500 Lifetime Maximum       $1,500 Lifetime Maximum

                              To check for participating providers, go to:www.unitedconcordia.com


                                                                           Employee Cost Per Month
                     United Concordia Dental Plan
                                                                       Monthly                   Bi-Weekly
          Employee Only                                                 $6.35                      $2.93

          Employee + Child(ren)                                         $12.40                     $5.72

          Employee + Spouse                                             $13.02                     $6.01
          Family                                                        $19.07                     $8.80




                                       The above is a summary of this benefit option.

                            Click here for more detailed information on this available benefit option.


        2023 Down East Wood Ducks Benefit Guide                                                                Page 9
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