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Limitations & Exclusions

PPO/INDEMNITY PLAN

Any plan limitations, exclusions and/or maximum benefit levels are shown below:

Covered Services do not include, and no benefits are payable:

* for services performed solely for cosmetic reasons.

* for crowns for teeth that can be restored by other means, or for the purpose of periodontal splinting.

* for any service or procedure relating to:

a. the change of vertical dimension;

b. restoration of occlusion;

c. bite registration; or

d. bite analysis.

* for the initial placement of full or partial dentures, or bridges, if it includes the replacement of teeth all of which are missing before the COVERED PERSON

becomes insured for this benefit. But this will not apply if the prosthesis replaces a functioning tooth which is extracted while insured.

* for the replacement of bridges; full or partial dentures; inlays; or crowns within five years of the date of insertion unless the replacement is made necessary by:

a. COVERED DENTAL INJURY to sound natural teeth, or

b. the extraction of functioning natural teeth while insured for this benefit.

* for the replacement of bridges; full or partial dentures; crowns; or inlays if they can be repaired.

* for surgical implants.

* for or in connection with any of the following:

a. replacement of lost or stolen appliances;

b. athletic mouthguards;

c. precision or semi-precision attachments or other customized denture construction;

d. denture duplication; or

e. oral hygiene instruction

* for any orthodontic treatment except as provided under any Separate Benefit for Orthodontic Expenses in the olicy.

* for orthognathic surgery.

* for surgical treatment of the temporomandibular joint.

* for services which are covered expenses under any medical care plan provided by the EMPLOYER.

* IN ANY INSTITUTION:

a. owned or run by a national government or any agency thereof, or

b. owned or run by a state government unless the COVERED PERSON would have to pay the charges if he did not have insurance.

* which the COVERED PERSON is not legally required to pay

* as a result of WAR

* for services performed by the employee or the employee's spouse, or by a sibling, parent, or child of either.

* for sickness for which the COVERED PERSON is entitled to benefits under a Worker's Compensation Act or similar law.

* for injury arising out of or in the course of a COVERED PERSON'S employment with any employer or self-employment.

* to the extent they exceed the amount determined from the Dental Service Schedule.

Coordination of Benefits - This provision coordinates the dental care benefits with any group or franchise medical or dental plan arranged through any employer, union, association, government or educational institution, health maintenance organization, preferred provider organization, or any no-fault automobile insurance plan. It provides that all benefits of the plan may be adjusted to a proportional share of all valid coverages so that the total benefits a person receives from all sources will not exceed 100% of expenses.

Cost Containment Provision - If the estimated cost of a recommended treatment plan exceeds $100.00, the insured person must submit the treatment plan to Shenandoah Life for review and pre-determination of benefits before service begins. Predetermination is not necessary for emergency treatment.

 

 

 

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