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Dermatology
                                                         Value Plan 3

                    PPO Dental Claims Reimbursement



                    Sample Member Experience
                                            Dentist Average Charge   Plan Pays             You Pay
                                                                                                   Non‐
                    Procedure               Network  Non‐Network  Network  Non‐Network  Network  Network *
                   Deductible is waived for Preventive                                Waived     Waived

                   Preventive:
                   Bitewings X‐Rays ‐ Two Films  $27   $38       100%      100%         $0         $0

                   Preventive:
                   Teeth Cleaning ‐ Adult    $57       $82       100%      100%         $0         $0

                   Preventive:
                   Periodic Oral Examination  $31      $44       100%      100%         $0         $0

                   Deductible is waived for Preventive, but applies to Basic & Major services  $50  $50
                   Basic:
                   Filling ‐ Two Surfaces                      80% after  80% after
                   Permanent and Primary    $102       $145     $50 Ded   $50 Ded      $10         $19

                   Major:                                      50% after  50% after
                   Root Canal Therapy ‐ Molar  $706   $1,008    $50 Ded   $50 Ded      $353       $504
                   Total                    $922      $1,317                           $363       $523
                                                                                      Savings     $160



                   ► Illustration assumes national average charges and a 30% network discount

                   ► Actual out-of-network reimbursement basis is limited to network fee schedule.  * The dentist can
                      bill the patient for the difference between the fee schedule and the actual charge.




































                                             Incomplete without Brochure ABJ23179                            Page 3/3
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