Traditional Dental Insurance with no waiting period

Secure DentalOne is quality, affordable dental insurance coverage for you and your family. The BasicOne, ClassicOne and PremierOne plans allow you to select from three levels of benefits, all with no waiting period for preventive care! Extended past age 64!

The deductible, calendar-year maximum and waiting periods apply per
covered person.

Preventive care
- Routine oral exams – limited to two per calendar year
- Prophylaxis (cleaning and scaling of teeth) – limited to two per calendar year
- Topical application of fluoride – for children under age 19; limited to one per calendar year (may vary by state)

Diagnostic care
- Intra-oral occlusal film
- Bitewing X-rays (up to a set of four) – limited to one per calendar year
- Full-mouth X-rays (panoramic film or full series) – no less than 36 months apart

Basic care
- Simple extraction
- Pin retention – per tooth, in addition to restorations
- Fillings (restorations) – amalgam restorations, composite restorations for anterior teeth and bicuspids, and sedative fillings
- Maintenance prosthodontics – denture repairs and adjustments, denture rebase no less than 24 months apart, denture reline no less than 24 months apart

Major care
- Endodontic treatment
- Periodontic services
- Inlays, onlays and crowns
- Prosthetic services – dentures or bridges
- Oral surgery

PremierOne – Traditional plans
Although visiting a PPO network provider is not required with the ClassicOne and PremierOne plans, benefits are subject to reasonable and customary (R&C) charges. R&C is the most common charge for similar professional services, drugs, procedures, devices, supplies or treatments within the covered person’s geographic area. The most common charge is the lesser of the:
1) Actual amount charged by the provider,
2) Negotiated rate, or
3) Usual charge that would have been made by a provider within the same geographic area for the same or comparable services, drugs, procedures, devices, supplies or treatment.
Eligibility
Secure DentalOne is available to you, your spouse and eligible dependents. Eligibility does not end at age 64! (The definition of an eligible dependent varies by state.)

OrthoCare – Discounted orthodontia care
The OrthoCare Discount Program is an optional program for you and your family. It provides children and adults with benefits for routine orthodontic treatment. You may save 15 to 20 percent on services performed by a contracted OthroCare orthodontist.

This program: 1) is not a health insurance policy, 2) does not make payments directly to the providers of health services, 3) provides discounts at certain locations for health services, and 4) does not guarantee the quality of the services or procedures offered by the providers. The member is obligated to pay the provider for all the health care services that the member will receive, but the member will receive a pre-negotiated discount from the providers listed in the network, in accordance with the specific pre-negotiated discounted fee schedule. Discounts vary by provider. The OrthoCare program is not available in all states. The discount medical plan organization that operates this program is American Dental Professional Services, LLC located at 9054 N. Deerbrook Trail,
Milwaukee, WI 53223

Coordination of benefits
Secure DentalOne will coordinate with any other group, blanket or franchise plan under which an individual will receive benefits.

Effective date
Coverage will begin as of the requested effective date, provided the application and payment are received at least one day prior.

Payment options
You can pay monthly through an automatic bank withdrawal or credit card charge. Quarterly or annual payments must be made through a credit card.

For No Waiting Periods You must select PremierOne Dental Plan

Discount Dental Plans

Discount dental plans, for those that need work done now with no waiting periods and designed to provide significant savings on members' dental care needs, have quickly become an attractive alternative to costly dental insurance.

Some of the characteristics of Discount Dental Plans include:

• No annual limits, members enjoy discounts on most dental services all year long
• Most plans activate within 1 - 3 business days
• No tiresome paperwork hassles, plan membership card is presented for discounts on most dental services
• No health restrictions
• Select plans include discounts on dental specialties, including cosmetic dentistry and orthodontics
• Consumers pay affordable membership fees for access to a network of providers offering discounts on most dental procedures
• Available directly to individuals, families, businesses and other groups

Sample Program Features and Highlights (Aetna Dental Access)

	THIS IS NOT INSURANCE
	Over 66,000** dental practice locations nationwide
	Save 15 to 50 percent* on everything from general dentistry and cleanings to root canals, crowns and orthodontia.
	Save on routine dental services such as x-rays and fillings.
	Save on specialty care such as orthodontics and periodontics where available.
	All dentists are credentialed and participate in a quality management program.
	No health restrictions
	Easy to use
	Present your card and save
	No paperwork, you pay the discounted amount at the time of your visit
	Use the card as many times as needed
	No predetermination of benefits required
	No referral required to see a Specialist
	Group rates available

How this Program Can Save You Money

Sample Discounted Fees and Savings

The sample table above is a small selection of common procedures discounted by Aetna Dental Access®.  The procedures discounted under Aetna Dental Access® offer similar savings to the sample above. This fee schedule is only to be used as a guide to determine approximate prices for dental services in the applicable area. The discounted fee schedule amount reflects the average fee information currently available on our systems. Individual dentist fee schedules may differ. Aetna makes no guarantee as to the accuracy of any particular fee amount.1 Source: DentalPlans.com (DP.C) 2005 Survey of Sample Average National Dental Fees.  Fees may vary slightly by region. 

2 Discounted fees are listed for visits to a participating general dentist. Members will be charged the provider's Aetna Dental Access® contracted fees. Charges may vary from the sample fee schedule above. Consult with your provider prior to beginning any treatment. Lab fees may be additional. This plan is based geographically by ZIP code in terms of provider participation and location. Fee schedules and savings may vary by ZIP code and by Provider within a ZIP code.

Some of the characteristics of Dental Insurance include:

• Limitations, deductibles and annual maximums
• Waiting periods for major dental procedures
• Tedious and time-consuming written claims process
• Limitations/exclusions on pre-existing conditions
• Certain dental specialties, such as cosmetic dentistry, are rarely covered
• Consumers pay expensive monthly premiums for defined coverage
• Typically inaccessible to individuals and families unless provided by their employer

Some of the characteristics of Discount Dental Plans include:

• No annual limits, members enjoy discounts on most dental services all year long
• Most plans activate within 1 - 3 business days
• No tiresome paperwork hassles, plan membership card is presented for discounts on most dental services
• No health restrictions
• Select plans include discounts on dental specialties, including cosmetic dentistry and orthodontics
• Consumers pay affordable membership fees for access to a network of providers offering discounts on most dental procedures
• Available directly to individuals, families, businesses and other groups