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Dental (Delta Dental of New Jersey)

                               Regular dental exams can help you and your dentist detect problems in
                               the early stages when treatment is simpler and costs are lower. 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.




                            Plan Provision                                      Basic                       Plus
          Annual Deductible (Self/Dual/Family)                        $50/$100/$150                    None

          Annual Maximum (per person)                                        $1,500                      $2,000

          Preventive & Diagnostic Care                                          100%                       100%
          Basic Services                                                    80%                         80%

          Major Restorative                                                 25%                         60%
          Orthodontia                                               25% (up to $1,500)          50% (up to $2,500)

          Carryover maximum which allows you to carryover 25% of unused benefit maximum up to $500
          per year provided no more than 50% of the max is used and dental exam once a year.


                                                              Benefit                        In-Network
      Vision (VSP)
                                                 Exam                                             $20 copay
      The vision plan covers routine             Hardware                                Combined with exam
      eye exams and also pays for a              Frequency
      portion of the cost of glasses or                ▪ Exam                                12 months

      contact lenses if you need them.                                                       12 months
                                                       ▪ Lenses
                                                                                             24 months
      Eye Care Benefit                                 ▪ Frames
                                                 Frames                                  $180 allowance for a wide
      All eligible employees can sign
                                                                                             selection of frames
      up for vision coverage offered
      through VSP. The VSP coverage                                                          $200 allowance for
      allows for $20 eye exams at                                                          featured frame brands
      participating  providers.                                                         20% savings on the amount
                                                                                             over your allowance
      Members receive an allowance
                                                 Lenses
      for purchase of frames or
      contacts every 12 or 24 months.                  ▪ Single Vision Lenses            Combined with exam
                                                       ▪ Bifocal Lenses
                                                       ▪ Trifocal Lenses
                                                 Elective Contact Lenses in
                                                                                           $180 allowance
                                                 lieu of glasses
                                                 Laser Correction Surgery                  $500 off preferred program

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      Your Benefit Guide 2020
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