Article 9: Dental Plans Available to You

You may choose one of the following:

• United Concordia Plan (PPO)
• CIGNA Dental Plan (DHMO)
• DeltaCare USA Dental Plan (DHMO)
• United Concordia Dental Plan (DHMO)

The Administrative Office offers four (4) dental plans from which to choose: a dental Preferred Provider Organization (PPO) plan and three (3) Dental Health Maintenance Organizations (DHMO) plans. The dental PPO plan is provided by United Concordia. The DHMO plans are CIGNA, DeltaCare USA (also known as Delta Dental), and United Concordia. We suggest that you carefully review all of the Plans, and discuss these different Plan options with your family members. A brief overview of the United Concordia PPO Plan and the DHMO plans (CIGNA, DeltaCare USA and United Concordia) appears on the following page. Please refer to your Evidence of Coverage document for a complete description of your dental benefits, including the exclusions and limitations.

To maximize benefits under the PPO plan, you should use dentists which are part of the United Concordia PPO network.

When you use United Concordia PPO participating dentists, you receive greater benefits than if you go to a dentist who is not a United Concordia PPO provider. The difference in benefits between using a participating United Concordia PPO provider can be substantial, which affects your out-of-pocket costs.

9.1 Comparison of Dental Benefits Available to You

This summary of the DHMOs' benefits, exclusions, limitations, and other provisions affecting dental benefits is not intended to take the place of the respective DHMO's Evidence of Coverage document or Schedule of Benefits. Please refer to your Evidence of Coverage and Disclosure Document for a complete description of your dental benefits, including the exclusions and limitations. In the event of any conflict between the information summarized in this section and the DHMO's Certificate of Insurance document or Schedule of Benefits, the DHMO's Certificate of Insurance document or Schedule of Benefits shall govern.

This section modified by Amendment 1. View old language.