Dominion gives you the choice of two different dental options - choose the one that s right for you and your family.

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1 Dental disease is preventable. Dominion plans encourage the early detection of dental problems and routine maintenance. We help you take better care of your teeth and now it can cost you less to do it. A program brought to you by Dominion Dental Services, Inc. Dominion gives you the choice of two different dental options - choose the one that s right for you and your family. Choose our Select Plan (same as a DHMO) 1 and use a pre-qualified network dentist, or choose our Access PPO Plan, which allow you to visit any licensed dentist. When you enroll, membership ID cards and detailed benefit information will be mailed to your home address. The dental benefits you ve been waiting for are now available! We Work For Your Benefit. Dominion Dental Services (Dominion) is a leading administrator of dental and vision 2 benefits in the Mid-Atlantic. 3 Among our nearly 500,000 customers are leading health plans, employer groups, municipalities, associations and individuals. 1 Same as a DHMO with fixed member copayments, no annual maximum dollar limits, no waiting periods, no deductibles, no pre-authorization paperwork or pretreatment estimates and no claim forms (except in the case of out-of-area emergencies). 2 Vision plans are underwritten by Avalon Insurance Company (a Dominion affiliate) and are marketed and administered by Dominion Dental Services USA, Inc. 3 Includes DC, Delaware, Maryland, Pennsylvania and Virginia. 2014

2 Two Unique Dental Programs to Choose From! Select Plan 703xa 1 Select Plan 703xa offers great value and extended coverage for your premium dollar. You must choose a general dentist from our Select Plan dental network. Your general dentist will provide services and charge you according to the Description of Benefits and Member Copayments. If specialty care is required, your general dentist will refer you to a participating specialist who will provide care at a 25% discount. You will pay any copayments due under the Select Plan directly to your plan dentist at the time of service. There are no waiting periods, maximum limits, pre-authorization requirements or deductibles. Over 250 procedures are covered. The complete list of covered procedures will be mailed to you with your membership card. A summary of covered procedures and copayments is included in this brochure. Select Plan 703xa Benefits Include: No charge for oral examinations No charge for bitewing X-rays $13 copay for routine semiannual cleanings These no-charge procedures account for over 65% of dental services most frequently performed for adults. 2 You will receive more extensive care (fillings, dentures, crowns, root canals, periodontal care, oral surgery, etc.) at fees 55% to 75% lower than usual and customary charges (please see the Plan Comparison chart). Access PPO 1 Adults Access PPO is designed to provide members with maximum access to dentists. Members may seek dental services from any licensed dentist or use a participating Access PPO network dentist for greater coverage. When dental care is received and expenses incurred, payments will be made in accordance with the list of benefits and services in the Coverage Schedule that will be mailed to you with your membership card. A summary of the plans benefits can be found in the Plan Comparison in this brochure. In-Network Access PPO Adults Benefits Include: No charge for routine semiannual cleanings No charge for oral examinations No charge for bitewing X-rays These no-charge procedures account for over 65% of dental services most frequently performed for adults. 2 We offer more extensive care (fillings, dentures, crowns, root canals, periodontal care, oral surgery, etc.). Please see the Plan Comparison chart for full coverage details. There are no waiting periods under the Access PPO 1 Adults plan. Orthodontia is also covered! Effective January 1, 2014, most Americans must obtain pediatric dental coverage for dependents under the age of 19 that complies with the EHB provisions under the Patient Protection and Affordable Care Act (PPACA). If you do not have this coverage through your health insurance plan, you may enroll your dependent(s) in Dominion s pediatric dental plan to ensure that you are meeting the requirements of PPACA. Under the Select Plan 703xa or Access PPO Adults, your dependents under the age of 19 will automatically be enrolled in the pediatric dental plan. Please see the Plan Comparison chart for pediatric coverage details for the Select Plan 703xa and Access PPO plan. For full coverage details regarding Dominion s certified pediatric dental plans, please visit DominionDental.com/pediatric. 1 Same as a DHMO with fixed member copayments, no annual maximum dollar limits, no waiting periods, no deductibles, no pre-authorization paperwork or pre-treatment estimates and no claim forms or proof of loss (except in the case of out-of-area emergencies). 2 Dental Services, Inc. - based on annual review of utilization data. 2

3 Select Plan 703xa 1 Access PPO 1 (Plan ID 2274) Procedures and Covered Services - Adult (Age 19 and Up) In-Network Out-of-Network Year 1 2 Year 2 2 Year 3 2 Year 1 2 Year 2 2 Year 3 2 Diagnostic and Preventive Care 100% 100% 100% 100% 90% 90% 90% Oral exams 100% 100% 100% 100% 90% 90% 90% Bitewing X-Rays 100% 100% 100% 100% 90% 90% 90% Teeth cleanings (amount per year) 85% (2) 100% (2) 100% (2) 100% (2) 90% (2) 90% (2) 90% (2) Basic Care 45-70% 40% 60% 80% 30% 50% 70% Full and panoramic X-rays 45% 40% 60% 80% 30% 50% 70% Fillings Amalgam (silver) 70% 40% 60% 80% 30% 50% 70% Composite (white) 60% 40% 60% 80% 30% 50% 70% Extraction, erupted tooth 60% 40% 60% 80% 30% 50% 70% Major Restorative Care 55-70% 15% 25% 50% 10% 20% 40% Prosthetics Crowns and bridges 55% 15% 25% 50% 10% 20% 40% Dentures 60% 15% 25% 50% 10% 20% 40% Relining of dentures 50% 15% 25% 50% 10% 20% 40% Periodontics (root planing and therapy) 60% 15% 25% 50% 10% 20% 40% Endodontics (root canals) 70% 15% 25% 50% 10% 20% 40% Oral Surgery (extraction of impacted teeth) 55% 15% 25% 50% 10% 20% 40% Orthodontics (adults) 45% 0% 0% 0% 0% 0% 0& Benefit Features Office Visit $10 None $50 per adult ($150 adult max) 3 Deductibles None Annual Maximums None $1,000 per insured person Waiting Periods None None Access PPO network dentist or any licensed dentist Select Plan Network Dentist 3 Plan Comparison - Adults (Age 19 & Over) Receive Care From 1 Approximate percentage of coverage based on the Captiva Context Fee Schedule s 80th percentile. Based on zip 233. A specific fee schedule applies and will be mailed with your membership card. Please see the Description of Member Copayments ( Select Plan 703xa) inside the brochure for a sample of member fees. To view copay schedules for the pediatric plans, please go to DominionDental.com/pediatric. 2 Year 1 benefits apply during the subscriber s first 12 months of continuous coverage. Year 2 benefits apply during the subscriber s second 12 months of continuous coverage. Year 3 benefits apply during the subscriber s third 12 months of continuous coverage. 3 Deductibles apply to all services. 3

4 Plan Comparison - Kids (Under Age 19) 4 Select Plan Kids 1 Access PPO Kids Procedures and Covered Services In-Network Out-of-Network Diagnostic and Preventive Care % 100% 80% Oral exams 100% 100% 80% Bitewing X-Rays 100% 100% 80% Full and panoramic X-rays 75% 100% 80% Semiannual teeth cleanings 100% 100% 80% Topical fluoride for children 100% 100% 80% 4 Basic Care 55-70% 35% 20% Fillings Amalgam (silver) 70% 35% 20% Composite (white) 60% 35% 20% Extraction, erupted tooth 55% 35% 20% Major Restorative Care 35-55% 2 25% 10% Prosthetics Crowns 55% 25% 10% Bridges 45% 25% 10% Dentures 40% 25% 10% Periodontics (root planing and therapy) 50% 25% 10% Endodontics (root canals) 55% 25% 10% Oral Surgery (extraction of impacted teeth) 50% 25% 10% Implants* 0-30% 0% (DC, DE, PA, VA) 30% (MD) 50% 50% Medically-Necessary Orthodontics (child) (2- year waiting period) Discounted non-medically necessary orthodontics Yes N/A N/A Benefit Features Office Visit $10 None None Deductibles None $100 per child ($200 max) 3 $100 per child ($200 max) 3 Out-of-Pocket Maximums DE, PA & VA 4 $700 4 $700 4 N/A DC & MD 5 $1,000 5 $1,000 5 N/A Waiting Periods None 6 None 6 None 6 Receive Care From Select Plan Network Dentist Access PPO network dentist or any licensed dentist Access PPO network dentist or any licensed dentist * Implants are covered on Access PPO Kids and Select Plan Kids plans in the District of Columbia and Pennsylvania only. Delaware, Maryland and Virginia do not have implant coverage. 1 Approximate percentage of coverage for the Select Plan is based on the Captiva Context Fee Schedule s 80th percentile for zip codes beginning with 232. Coverage may vary by state. A specific fee schedule applies and will be mailed with your membership card. Please see the Summary of Member Fees (Discount) or the Description of Member Copayments (Select Plan 703xa) inside the brochure for a sample of member fees. To view copay schedules for the pediatric plans, please go to DominionDental.com/pediatric. 2 Specialty care is provided at the listed copayment whether performed by a participating general dentist or a participating specialist. 3 Deductible is combined for all covered services for each calendar year per pediatric member - maximum $200 for pediatric members. Deductibles are waived for Diagnostic and Preventive Care (Class I) and Orthodontia (Class IV) when in-network; and waived for Diagnostic and Preventive Care (Class I) when out-of-network. 4 Applies to groups in Delaware, Pennsylvania and Virginia. The $700 annual out-of-pocket maximum applies to a single child. There is a $1,400 annual out-of-pocket maximum for two or more children. 5 Applies to groups in the District of Columbia and Maryland. The $1,000 annual out-of-pocket maximum applies to a single child. There is a $2,000 annual out-of-pocket maximum for two or more children. 6 There is a 24-month waiting period for medically necessary orthodontic benefits.

5 Monthly Rates - Effective 1/1/14-12/1/14 (valid for 12-month contracts) ACCESS PPO PER ADULT [Age] PPO1 [19-29] $32.47 $28.35 $29.54 $27.34 $23.13 $28.35 $23.54 $23.92 $28.14 $25.30 $22.60 PPO1 [30-45] $38.08 $33.24 $34.64 $32.06 $27.13 $33.25 $27.60 $28.05 $33.00 $29.67 $26.51 PPO1 [46+] $45.72 $39.92 $41.59 $38.50 $32.57 $39.92 $33.15 $33.68 $39.63 $35.63 $31.83 $24.95 $26.95 $27.95 $24.95 $22.95 $22.95 $21.16 $19.95 $24.95 $23.95 $21.95 ACCESS PPO PER CHILD (Under Age 19) [Max Charge of 3 per family] SELECT PLAN PER ADULT [Age] SELECT PLAN [19-29] $14.19 $17.02 $15.33 $14.19 $12.00 $14.19 $11.78 $11.97 $15.78 $14.19 $12.68 SELECT PLAN [30-45] $16.64 $19.96 $17.97 $16.64 $14.08 $16.64 $13.81 $14.04 $18.51 $16.64 $14.86 SELECT PLAN [46+] $19.98 $23.97 $21.58 $19.98 $16.90 $19.98 $16.59 $16.86 $22.22 $19.98 $17.85 $16.95 $20.95 $19.95 $16.95 $14.95 $14.95 $12.95 $11.95 $16.95 $15.95 $13.95 SELECT PLAN PER CHILD (Under Age 19) [Max Charge of 3 per family] A 2% 2014 Health Insurer Fee (HIF) is incorporated into the premium rates above. This HIF is like a premium tax where it is a fixed dollar amount assessed to medical, dental and vision insurers, which is a requirement of the Affordable Care Act. How to Calculate Your Monthly Rates 1. Determine your rating region based on your county or state of residence. See Region Legend on page Locate your monthly premium in the chart by referencing the rating region, your plan choice and your age band (range). This is your monthly rate if you are the only subscriber. 3. For each dependent, repeat step 2. (You will only be charged for up to three dependents). 4. Add up each family member s rate to determine your total monthly premium. Example: A family of four living in Virginia, with two adults in the age band and two children under age 19 enrolling in the Access PPO plan: 1. Richmond City is in Region Access PPO monthly rate in Region 10 in the age band = $ Primary Subscriber (Adult 1) and Adult Dependent (Adult 2) = (2 x $29.67 = $59.34) Dependent 1 and Dependent 2 = (2 x $23.95 = $ $ $47.90 = $

6 Rating Regions 6 Region Legend Region 1 DC Region 2 DE Region 3 MD counties: Montgomery, Prince George s Region 4 MD counties: Anne Arundel, Baltimore City, Baltimore, Harford, Howard Region 5 MD counties: Allegany, Calvert, Caroline,Cecil, Charles, Dorchester, Frederick, Garrett, Kent, Queen Anne s, Somerset, St. Mary s, Talbot, Washington, Wicomico, Worcester Region 6 PA counties: Bucks, Chester, Delaware, Montgomery, Philadelphia PA counties: Adams, Berks, Centre, Columbia, Cumberland, Dauphin, Franklin,* Fulton,* Juniata, Lancaster, Lebanon, Lehigh, Mifflin, Montour, Northampton, Northumberland, Perry, Schuylkill, Snyder, Union, York Region 7 PA counties: Allegheny, Armstrong, Beaver, Bedford*, Blair, Bradford*, Butler, Cambria, Cameron, Carbon, Clarion, Clearfield, Clinton, Crawford*, Elk, Erie, Fayette, Forest, Greene, Huntingdon, Indiana, Jefferson, Lackawanna, Lawrence, Luzerne, Lycoming, McKean*, Mercer, Monroe, Pike*, Somerset, Sullivan, Susquehanna*, Venango, Warren*, Washington, Wayne, Westmoreland, Wyoming Region 8 VA counties: Alexandria City, Arlington, Chesapeake City, Clarke, Fairfax, Fairfax City, Falls Church City, Fauquier, Fredericksburg City, Gloucester, Hampton City, Isle of Wight, James City, Loudoun, Manassas City, Manassas Park City*, Mathews, Newport News City, Norfolk City, Poquoson City, Portsmouth City, Prince William, Spotsylvania, Stafford, Suffolk City, Surry, Virginia Beach City, Warren, Williamsburg City, York Region 9 VA counties: Amelia, Caroline, Charles City, Chesterfield, Colonial Heights City*, Cumberland*, Dinwiddie, Goochland, Hanover, Henrico, Hopewell City*, King and Queen, King William, Louisa*, New Kent, Petersburg City, Powhatan, Prince George, Richmond City, Sussex Region10 VA counties: Accomack*, Albemarle*, Augusta*, Bedford*, Bedford City*, Botetourt*, Buckingham*, Buena Vista City*, Campbell*, Charlottesville City*, Craig*, Culpeper, Danville City*, Emporia City*, Essex, Fluvanna*, Franklin*, Franklin City*, Frederick, Giles*, Greene*, Greensville*, Harrisonburg City*, Henry*, King George, Lancaster, Madison*, Martinsville City*, Middlesex, Montgomery*, Nelson*, Northampton*, Norton City*, Nottoway*, Orange, Page*, Pittsylvania*, Pulaski*, Rappahannock, Richmond, Roanoke*, Roanoke City*, Rockingham*, Russell*, Salem*, Scott*, Shenandoah*, Southampton*, Staunton City*, Washington*, Waynesboro City*, Westmoreland*, Winchester City, Wise* Region 11 * Select Plan is not available in the counties with an asterisk (*). 6

7 Select Plan 703xa Description of Benefits & Member Copayments for Adult Services (age 19 and over) ADA MEMBER CODE BENEFIT COPAYMENT(S) DIAGNOSTIC/PREVENTIVE D9439 Office visit D0120 Periodic oral eval - established patient... 0 D0140 Limited oral eval - problem focused... 0 D0150 Comprehensive oral eval - new or established patient... 0 D0160 Detailed and extensive oral eval - problem focused... 0 D0170 Re-evaluation - limited, problem focused... 0 D0210 Intraoral - complete series (including bitewings) D0220 Intraoral - periapical first film... 0 D0230 Intraoral - periapical each add. film... 0 D0240 Intraoral - occlusal film... 0 D0250/60 Extraoral - first film and each add. film... 0 D Bitewing x-rays - 1 to 4 films... 0 D0277 Vertical bitewings - 7 to 8 films... 0 D0330 Panoramic film D0340 Cephalometric Film... 0 D0350 Oral/facial photographic images... 0 D0460 Pulp vitality tests... 0 D0470 Diagnostic casts... 0 D1110 Prophylaxis (cleaning) - adult D1110* Additional cleaning (expecting mothers or Diabetics) D1204 Topical application of fluoride - adult... 0 D1206 Topical fluoride varnish for mod/high risk caries patients... 0 D1310 Nutritional counseling for control of dental disease... 0 D1320/30 Oral hygiene instructions... 0 RESORATIVE DENTISTRY (FILLINGS) AMALGAM RESTORATIONS (SILVER) D2140 Amalgam - one surface D2150 Amalgam - two surfaces D2160 Amalgam - three surfaces D2161 Amalgam - >=4 surfaces RESIN/COMPOSITE RESTORATIONS (TOOTH COLORED) D2330 Resin-based composite - one surface, anterior D2331 Resin-based composite - two surfaces, anterior D2332 Resin-based composite - three surfaces, anterior D2335 Resin-based composite - >=4 surfaces, anterior D2391 Resin-based composite - one surface, posterior D2392 Resin-based composite - two surfaces, posterior D2393 Resin-based composite - three surfaces, posterior D2394 Resin-based composite - >=4 surfaces, posterior D2940 Sedative filling D2951 Pin retention - per tooth, in addition to restoration D3110/20 Pulp cap - direct/indirect (excl. final restoration) CROWN & BRIDGE D2390 Resin-based composite crown, anterior D2510 Inlay - metallic - one surface D2520 Inlay - metallic - two surfaces D2530 Inlay - metallic - three or more surfaces D2542 Onlay - metallic-two surfaces D2543 Onlay - metallic-three surfaces D2544 Onlay - metallic-four or more surfaces D2610 Inlay - porcelain/ceramic - one surface D2620 Inlay - porcelain/ceramic - two surfaces D2630 Inlay - porcelain/ceramic - >=3 surfaces D2642 Onlay - porcelain/ceramic - two surfaces D2643 Onlay - porcelain/ceramic - three surfaces D2644 Onlay - porcelain/ceramic - >=4 surfaces D2650 Inlay - resin-based composite - one surface D2651 Inlay - resin-based composite - two surfaces D2652 Inlay - resin-based composite - >=3 surfaces D2662 Onlay - resin-based composite - two surfaces D2663 Onlay - resin-based composite - three surfaces D2664 Onlay - resin-based composite - >=4 surfaces D2710 Crown - resin based composite (indirect) D2712 Crown - 3/4 resin-based composite (indirect) D2720/21/22 Crown - resin with metal D2740 Crown - porcelain/ceramic substrate D2750/51/52 Crown - porcelain fused metal D2780/81/82 Crown - 3/4 cast with metal D2783 Crown - 3/4 porcelain/ceramic D2790/91/92 Crown - full cast metal ADA MEMBER CODE BENEFIT COPAYMENT(S) D2910/20 Recement inlay, onlay/crown or partial coverage rest D2931 Prefab. stainless steel crown D2932 Prefabricated resin crown D2950 Core buildup, including any pins D2952 Cast post and core in addition to crown D2954 Prefab. post and core in addition to crown D2955 Post removal (not in conj. with endo. therapy) D2970 Temporary crown (fractured tooth)... 0 D2980 Crown repair, by report PROSTHETICS (DENTURES) D5110/20 Complete denture - maxillary/mandibular D5130/40 Immediate denture - maxillary/mandibular D5211/12 Maxillary/mandibular partial denture - resin base D5213/14 Maxillary/mandibular partial denture - cast metal D5225/26 Maxillary/mandibular partial denture - flexible base D5281 Rem. unilateral partial denture - one piece cast metal D5410/11 Adjust complete denture - maxillary/mandibular D5421/22 Adjust partial denture - maxillary/mandibular D5510/5610 Repair broken denture base (complete/resin) D5520 Replace missing or broken teeth - complete denture D5620 Repair cast framework D5630/60 Clasp repaired, replaced or added D5640 Replace broken teeth - per tooth D5650 Add tooth to existing partial denture D5660 Add clasp to existing partial denture D5670/71 Replace all teeth and acrylic on cast metal framework D5710/11 Rebase complete maxillary/mandibular denture D5720/21 Rebase maxillary/mandibular partial denture D5730/31 Reline complete maxillary/mandibular denture (chairside) D5740/41 Reline maxillary/mandibular partial denture (chairside) D5750/51 Reline complete maxillary/mandibular denture (lab) D5760/61 Reline maxillary/mandibular partial denture (lab) D5810/11 Interim complete denture - maxillary/mandibular D5820/21 Interim partial denture - maxillary/mandibular D5850/51 Tissue conditioning - maxillary/mandibular BRIDGE & PONTICS D6000-D6199 ALL IMPLANT SERVICES - 15% DISCOUNT (incl. D0360-D0363 cone beam imaging w/ implants) D6210/11/12 Pontic - metal D6240/41/42 Pontic - porcelain fused metal D6245 Pontic - porcelain/ceramic D6250/51/52 Pontic - resin with metal D6545 Retainer - cast metal for resin bonded fixed prosthesis. 251 D6548 Ret. - porc./ceramic for resin bonded fixed prosthesis D6600 Inlay - porc./ceramic, two surfaces D6601 Inlay - porc./ceramic, >=3 surfaces D6602 Inlay - cast high noble metal, two surfaces D6603 Inlay - cast high noble metal, >=3 surfaces D6604 Inlay - cast predominantly base metal, two surfaces D6605 Inlay - cast predominantly base metal, >=3 surfaces D6606 Inlay - cast noble metal, two surfaces D6607 Inlay - cast noble metal, >=3 surfaces D6608 Onlay -porc./ceramic, two surfaces D6609 Onlay - porc./ceramic, three or more surfaces D6610 Onlay - cast high noble metal, two surfaces D6611 Onlay - cast high noble metal, >=3 surfaces D6612 Onlay - cast predominantly base metal, two surfaces D6613 Onlay - cast predominantly base metal, >=3 surfaces D6614 Onlay - cast noble metal, two surfaces D6615 Onlay - cast noble metal, >=3 surfaces D6720/21/22 Crown - resin with metal D6740 Crown - porcelain/ceramic D6750/51/52 Crown - porcelain fused metal D6780 Crown - 3/4 cast high noble metal D6781 Crown - 3/4 cast predominantly base metal D6782 Crown - 3/4 cast noble metal D6783 Crown - 3/4 porc./ceramic D6790/91/92 Crown - full cast metal D6930 Recement fixed partial denture D6970 Post and core in addition to fixed part. dent. ret D6972 Prefab post and core in addition to fixed part. dent. ret..154 D6973 Core build up for retainer, including any pins D6975 Coping - metal D6976 Each add. indirectly fabricated post - same tooth All fees exclude the cost of noble and precious metals. An additional fee will be charged if these materials are used. 7

8 Select Plan 703xa 8 ADA MEMBER CODE BENEFIT COPAYMENT(S) D6977 Each add. prefab post - same tooth D6980 Fixed partial denture repair, by report ADJUNCTIVE GENERAL SERVICES D9110 Palliative (emergency) treatment of dental pain D9210/15 Local anesthesia... 0 D9211 Regional block anesthesia... 0 D9212 Trigeminal division block anesthesia... 0 D9220 Deep sedation/general anesthesia - first 30 min D9221 Deep sedation/general anesthesia - each add. 15 min D9241 Intravenous conscious sedation/analgesia - first 30 min D9242 IV conscious sedation/analgesia - each add. 15 min D9230 Analgesia, anxiolysis, inhalation of nitrous oxide D9310 Consultation (diagnostic service by nontreating dentist).. 43 D9910 Application of desensitizing medicament D9930 Treatment of complications (post-surgical) D9990 Broken office appointment ENDODONTICS 1 D3220 Therapeutic pulpotomy (excl. final restor.) D3221 Pulpal debridement D3310 Endodontic therapy, anterior tooth D3320 Endodontic therapy, bicuspid tooth D3330 Endodontic therapy, molar D3333 Internal root repair of perforation defects D3346 Retreat of prev. root canal therapy, anterior D3347 Retreat of prev. root canal therapy, bicuspid D3348 Retreat of prev. root canal therapy, molar D3410 Apicoectomy/periradicular surgery, anterior D3421 Apicoectomy/periradicular surgery, bicuspid (first root) D3425 Apicoectomy/periradicular surgery, molar (first root) D3426 Apicoectomy/periradicular surgery (each add. root) D3430 Retrograde filling - per root D3450 Root amputation - per root D3920 Hemisection, not inc. root canal therapy D3950 Canal prep/fitting of preformed dowel or post PERIODONTICS 1 D0180 Comp. periodontal eval - new or established patient D4210 Gingivectomy or gingivoplasty - >3 cont. teeth, per quad D4211 Gingivectomy or gingivoplasty - <=3 teeth, per quad D4240 Gingival flap proc., inc. root planing - >3 cont. teeth, per quad D4241 Gingival flap proc, inc. root planing - <=3 cont. teeth, per quad D4260 Osseous surgery - >3 cont. teeth, per quad D4261 Osseous surgery - <=3 cont. teeth, per quad D4268 Surgical revision proc., per tooth D4274 Distal or proximal wedge procedure D4341 Perio scaling and root planing - >3 cont teeth, per quad D4342 Perio scaling and root planing - <= 3 teeth, per quad D4355 Full mouth debridement D4381 Localized delivery of chemotherapeutic agents D4910 Periodontal maintenance D9940 Occlusal guard, by report D9950 Occlusion analysis - mounted case D9951 Occlusal adjustment - limited D9952 Occlusal adjustment - complete ORAL SURGERY 1 D7111 Extraction, coronal remnants - deciduous tooth D7140 Extraction, erupted tooth or exposed root D7210 Surgical rem. of erupted tooth req. bone cut D7220 Removal of impacted tooth - soft tissue D7230 Removal of impacted tooth - partially bony D7240 Removal of impacted tooth - completely bony D7241 Removal of imp. tooth - completely bony, with unusual surg. complications D7250 Surgical removal of residual tooth roots D7270 Tooth reimplant./stabiliz. of acc. evulsed/displaced tooth D7280 Surgical access of an unerupted tooth D7291 Transseptal fiberotomy/supra crestal fiberotomy, by report...60 D7310/20 Alveoloplasty, per quad D7510 Incision and drainage of abscess - intraoral soft tissue D7960 Frenulectomy (frenectomy/frenotomy) - separate proc As performed by a Participating General Dentist. See Plan Exclusion #13. ADA MEMBER CODE BENEFIT COPAYMENT(S) ORTHODONTICS 2 D8090 Comp. ortho. treatment - adult dentition D8660 Pre-orthodontic treatment visit D8670 Periodic ortho. treatment visit (as part of contract) D8680 Orthodontic retention (rem. of appl. and placement of retainer(s)) Phase I Treatment (D D8050) is provided at a 15% reduction from the orthodontist s UCR fees. See exclusion #15 for additional coverage exclusions. Plan Exclusions 1. Services which are covered under Medicare, worker s compensation, employer s liability laws, or the Pennsylvania Motor Vehicle Financial Responsibility Law (Pennsylvania policyholders only). 2. Services which are not necessary for the patient s dental health as determined by the Plan. 3. Cosmetic, elective or aesthetic dentistry except as required due to accidental bodily injury to sound natural teeth as determined by the Plan. 4. Oral surgery requiring the setting of fractures or dislocations. 5. Services with respect to malignancies, cysts or neoplasms, hereditary, congenital, mandibular prognathism or development malformations where, in the opinion of the Plan, such services should not be performed in a dental office. 6. Dispensing of drugs. 7. Hospitalization for any dental procedure. 8. Treatment required for conditions resulting from major disaster, epidemic, war, acts of war, whether declared or undeclared, or while on active duty as a member of the armed forces of any nation. 9. Replacement due to loss or theft of prosthetic appliance. 10. Procedures not listed as covered benefits under this Plan. 11. Services obtained outside of the dental office in which enrolled and that are not preauthorized by such office or the Plan (with the exception of outof-area emergency dental services). 12. Services related to the treatment of TMD (Temporomandibular Disorder). 13. Services related to procedures that are of such a degree of complexity as to not be normally performed by a Participating General Dentist. Above copayments do not apply when performed by a Participating Specialist (with the exception of orthodontics). Participating Specialists, if available, have entered into an agreement with the Plan to provide dental services to members at a 25% reduction from their Usual, Customary, and Reasonable (UCR) fees. This means that Member will be responsible for 25% of the lesser of a Participating Specialist s UCR fee; of the amount the provider has agreed to accept. Members must directly contact the Participating Specialist to obtain fees, as the amount varies by provider. 14. Elective surgery including, but not limited to, extraction of non-pathologic, asymptomatic impacted teeth as determined by the Plan. 15. The Invisalign system and similar appliances are not a covered benefit. Patient copayments will apply to the routine orthodontic appliance portion of services only. Additional costs incurred will become the patient s responsibility. Plan Limitations 1. Two (2) evaluations are covered per calendar year per patient including a maximum of one (1) comprehensive evaluation. 2. One (1) problem focused exam is covered per calendar year per patient. 3. Two (2) teeth cleanings (prophylaxis) are covered per calendar year per patient (one additional cleaning is covered during pregnancy and for diabetic patients). 4. One (1) topical fluoride or fluoride varnish is covered per calendar year per patient. 5. Two (2) bitewing x-rays are covered per calendar year per patient. 6. One (1) set of full mouth x-rays or panoramic film is covered every three (3) years per patient. 7. Replacement of a filling is covered if it is more than two (2) years from the date of original placement. 8. Replacement of a bridge, crown or denture is covered if it is more than seven (7) years from the date of original placement. 9. Crown and bridge fees apply to treatment involving five or fewer units when presented in a single treatment plan. Additional crown or bridge units, beginning with the sixth unit, are available at the provider s Usual, Customary, and Reasonable (UCR) fee, minus 25%. 10. Relining and rebasing of dentures is covered once every 24 months per patient. 11. Retreatment of root canal is covered if it is more than two (2) years from the original treatment. 12. Root planing or scaling is covered once every 24 months per quadrant per patient. 13. Full mouth debridement is covered once per lifetime per patient. 14. Procedure Code D4381 is limited to one (1) benefit per tooth for three teeth per quadrant or a total of 12 teeth for all four quadrants per twelve (12) months per patient. Must have pocket depths of five (5) millimeters or greater. 15. Periodontal surgery of any type, including any associated material, is covered once every 36 months per quadrant or surgical site per patient. 16. Periodontal maintenance after active therapy is covered twice per calendar year, within 24 months after definitive periodontal therapy, per patient. Only current ADA CDT codes are considered valid by Dominion Dental Services, Inc. Current Dental Terminology American Dental Association.

9 Benefit Coverage In-Network Out-of Network Year 1st 2nd 3rd 1st 2nd 3rd Class I 100% 100% 100% 90% 90% 90% Class II 40% 60% 80% 30% 50% 70% Class III 15% 25% 50% 10% 20% 40% Endo/Perio Class III Benefits Class III Benefits Annual Deductible In-Network Out-of-Network Amount $50 $50 Max per Family $150 $150 Applies to all Yes Yes Benefits Maximums In-Network Out-of-Network Annual $1,000 $1,000 Lifetime Ortho N/A N/A * Annual Maximum applies to Class I, Class II and Class III Benefits. Waiting Periods In-Network Out-of-Network Class I NONE NONE Class II NONE NONE Class III NONE NONE Class IV N/A N/A Deductible is combined for all services for each Calendar Year per Member maximum $150 per family. Services may be received from any licensed dentist. If course of treatment is to exceed $300, prior review is requested. Access PPO (2274) a. Two periodontal cleanings following surgery per Calendar Year (D4341 is not considered surgery) b. One root scaling and planing per quadrant of mouth per 6 months c. Occlusal adjustment performed with covered surgery d. Gingivectomy and gingival curettage e. Osseous surgery including flap entry and closure f. Pedicle or free soft tissue graft g. One appliance (night guards) per 5 years h. One full mouth debridement per lifetime 4. One study model per 36 months 5. Crown build-up for non-vital teeth 6. Recementing bridges, inlays, onlays and crowns 7. One repair of dentures or fixed bridgework per 24 months 8. General anesthesia and analgesic, including intravenous sedation, in conjunction with covered oral surgery, periodontal surgery 9. Restoration services, limited to: a. Gold or porcelain inlays, onlays, and crowns for tooth with extensive caries or fracture that is unable to be restored with an amalgam or composite filling b. Replacement of existing inlay, onlay, or crown, after 5 years of the restoration initially placed or last replaced (will not apply if replacement is necessary due to the extraction of functioning natural teeth after the effective date of coverage) c. Stainless steel crowns d. Post and core in addition to crown when separate from crown for endodontically treated teeth, with a good prognosis endodontically and periodontally 10. Prosthetic services, limited to: a. Initial placement of dentures or fixed bridgework (including acid etch metal bridges) b. Replacement of dentures or fixed bridgework that cannot be repaired after 5 years from the date of last placement c. Addition of teeth to existing partial denture d. One relining or rebasing of existing removable dentures per 24 months (only after 12 months from date of last placement) Plan will pay either the Participating Dentist s negotiated fee or the Maximum Allowable Charge (subject to benefit coverage percentage) for dental procedures and services as shown below, after any required Annual Deductible. Class I. Diagnostic and Preventive Services Include: 1. Two evaluations per Calendar Year including a maximum of one comprehensive evaluation 2. One emergency or problem focused exam (D0140) per Calendar Year 3. Two prophylaxis (cleaning, scaling and polishing teeth) per Calendar Year 4. One topical fluoride per Calendar Year, to age Bitewing x-rays, 2 per Calendar Year 6. Emergency palliative treatment (only if no services other than exam and x-rays were performed on the same date of service) Class II. Basic Services, Include: 1. Simple extraction of teeth 2. Amalgam and composite fillings (restorations of mesiolingual, distolingual, mesiobuccal, and distobuccal surfaces considered single surface restorations) 3. Periapical x-rays 4. One diagnostic x-ray, full or panoramic per 36 months 5. Pin retention of fillings (multiple pins on the same tooth are allowable as one pin) 6. Antibiotic injections administered by a dentist 7. Space maintainers to preserve space between teeth for premature loss of a primary tooth (does not include use for orthodontic treatment) Class III. Major Services: 1. Oral surgery, including postoperative care for: a. Removal of teeth, including impacted teeth b. Extraction of tooth root c. Alveolectomy, alveoplasty, and frenectomy d. Excision of periocoronal gingiva, exostosis, or hyper plastic tissue, and excision of oral tissue for biopsy e. Reimplantation or transplantation of a natural tooth f. Excision of a tumor or cyst and incision and drainage of an abscess or cyst 2. Endodontic treatment of disease of the tooth, pulp, root, and related tissue, limited to: a. Root canal therapy (not covered if pulp chamber was opened before effective date of coverage) b. Pulpotomy c. Apicoectomy d. Retrograde fillings 3. Periodontic services, limited to: Class IV. Orthodontia Services: Not Covered Diagnostic, active and retention treatment to include removable fixed appliance therapy and comprehensive therapy Plan Exclusions: 1. Services which are covered under worker s compensation, employer s liability laws, or the Pennsylvania Motor Vehicle Financial Responsibility Law (Pennsylvania policyholders only). 2. Services which are not necessary for the patient s dental health. 3. Reconstructive, plastic, cosmetic, elective or aesthetic dentistry. 4. Oral surgery requiring the setting of fractures and dislocations. 5. Services with respect to malignancies, cysts or neoplasms, hereditary, congenital, mandibular prognathism or development malformations where such services should not be performed in a dental office. 6. Dispensing of drugs. 7. Hospitalization for any dental procedure. 8. Treatment required for conditions resulting while on active duty as a member of the armed forces of any nation or from war or acts of war, whether declared or undeclared. 9. Implant removal or the replacement of dentures, bridges, inlays, onlays or crowns that can be repaired or restored to normal function. 10. Diagnosis or treatment of Temporomandibular Disorder (TMD) and/or occlusal disharmony. 11. Elective surgery including, but not limited to, extraction of non-pathologic, asymptomatic impacted teeth. 12. Services not listed as covered. 13. Implants and related services; replacement of lost, stolen or damaged prosthetic or orthodontic appliances; athletic mouthguards; precision or semiprecision attachments; denture duplication; periodontal splinting of teeth. 14. Services for increasing vertical dimension, replacing tooth structure lost by attrition, and correcting developmental malformations and/or congenital conditions. 15. Procedures that in the opinion of the Plan are experimental or investigative in nature because they do not meet professionally recognized standards of dental practice and/or have not been shown to be consistently effective for the diagnosis or treatment of the Member s condition. 16. Treatment of cleft palate, malignancies or neoplasms. 17. Any service or supply rendered to replace a tooth lost prior to the effective date of coverage. This exclusion expires after 36 months of Member s continuous coverage under the plan. 18. Maryland policyholders only: Any bill, or demand for payment, for a dental service that the appropriate regulatory board determines was provided as a result of a prohibited referral. Prohibited referral means a referral prohibited by Section of the Maryland Health Occupations Article. 9

10 Who is Eligible for the Dental Plan? You and your dependents are eligible. Dependents include your spouse and unmarried children up to age 26. How do I Join the Dental Plan? 1. To pay annually by check, complete the Enrollment Card and submit it with a check for 12 months of premium. Go to Step To pay by debit to your checking account or credit card account, please fill out the Payment Authorization Card. Be sure to select either the automatic monthly debit option or annual payment option. When you choose the monthly payment option future monthly installments will be debited directly from your account. You will not receive monthly bills. Please attach a voided check to Payment Authorization Card when selecting this option. When you choose the annual payment option you will be charged (debited) one time for 12 months of premium. There is a minimum participation requirement of one year. 3. Fill out the Enrollment Card. Be sure to list all dependents you want covered. Additional dependents can be listed on the back of the Enrollment Card, if necessary. Select either the Select Plan or Access PPO Plan. If you choose the Select Plan, please select a dentist and fill in the Dental Office Name & Code # box. Sign and date the appropriate section of the Enrollment Card. 4. Return the completed Enrollment Card, Payment Authorization Card (if applicable) or payment (if applicable) to: Dominion Dental Services, Inc. P.O. Box Charlotte, NC A Membership Card and coverage information will be mailed to you on or before your first day of eligibility. The following explanation as required by the Maryland Insurance Administration. Access PPO & Select Plan Premium Dollar Distribution 26% 3% Dentist Compensation Administration Costs Other Dominion is licensed as a Dental Plan Organization (DPO) in the State of Maryland. Providers are paid through a combination of member copayments and capitation dollars (predetermined monthly payments per member). This chart shows how premium dollars were distributed in 2012 between dentist compensation and administration costs. 71% Vision Premium Dollar Distribution 31% 9% 60% Provider Compensation Administration Costs Other This chart shows how premium dollars were distributed in 2012 between provider compensation and administration costs. 115 South Union Street, Suite 300 Alexandria, VA (Phone) (Fax) DominionDental.com Teethkeepers.com/ehealth 10

11 Payment authorization Card our Pre-authorized Payment Plan Just authorize us to debit your personal checking account or credit card account and we ll do the rest. Whether you choose the monthly or annual option with automatic deductions there will be no more paperwork, no more checks to write and no worries about coverage disruption. It s easy, secure, and automatic. Pay By Credit Card debit: automatic monthly debits annual Payment Credit Card Number: C.C. Verification Code: Credit Card Type: Visa MasterCard American Express Discover Name as it appears on card: Expiration Date: Pay By CheCking account debit: automatic monthly debits annual Payment Bank Name: Bank Routing Number: Bank Account Number: * By submitting a check for the first month s premium and application fee, you authorize Dominion Dental Services, Inc. to automatically deduct future monthly premium payments from your checking account. terms and authorization Payment Authorization: By signing the Payment Authorization form you authorize Dominion Dental Services Inc. to automatically deduct premium payments from the credit card or checking account noted above. By selecting the Automatic Monthly Debits option you further agree to automatic deductions of future monthly premiums. Application Fee: There is a one-time, non-refundable $20 application and processing fee. When paying by Automatic Monthly Debit to your checking account or credit card account, you will be charged the application fee along with your first month s premium. When paying by Annual Payment you will be charged for 12 months of premium plus the $20 application fee. THERE IS NO APPLICATION FEE! Pay By Credit Card: By selecting the Automatic Monthly Debits option you authorize Dominion Dental Services Inc. to automatically deduct future monthly premium payments from your credit card account. Pay By Bank Account Debit: By selecting the Automatic Monthly Debits and submitting a voided check you authorize Dominion Dental Services Inc. to automatically deduct future monthly premium payments from your checking account. TERMS: This authorization will remain in effect unless 30 days advance written notice of termination is received by Dominion Dental Services, Inc. In the event that any electronic debit or transfer is returned, I agree that a $25.00 returned item fee will be automatically charged to my account. AUTHORIZATION: I authorize Dominion Dental Services, Inc. to automatically deduct the premium and application fee from any credit card OR bank account stated above. Members who choose the Automatic Monthly Debits will be debited on or about the 20th of each month (subscribers enrolling in Maryland will be debited on or after the 1st of each month). Signature: Agent/Broker Use Only Date: Agent/Broker # General Agent # 11

12 Non-Virginia Residents 12 Dominion Dental Services, Inc. Alexandria, VA Enrollment Card SELECT PLAN: Discount Program 1 Access PPO Option (2274) Select Plan Enrollment Information Last Name First Name M.I. Sex M F Birthdate (MM/DD/YY) Home Address Home Phone City State ZIP Work Phone Address Does this plan replace other dental coverage? Yes No List All Your Eligible Dependents Below Last Name (if different) First Name M.I. Spouse SELECT PLAN or DISCOUNT PROGRAM Provider Selection Dental Office Name & Code # (As Indicated on Your Dentist Directory) Sex (M/F) Birthdate (MM/DD/YY) If I am enrolling in the Select Plan, I agree to remain in Plan a minimum of twelve (12) months. If I cancel before the end of the 12 month period, I may be responsible for the usual, customary and reasonable charges for services received, reduced by the sum of the subscription dues and copayments paid. I understand and agree that my signature on this enrollment form serves as my legal commitment to the Plan and its terms. Further, this signature represents my authorization for the release of information regarding services provided to me or my covered dependents by dentists and other providers of dental services. Information will be released to Dominion Dental Services, Inc., for the purpose of investigation or evaluation of care in connection with a claim or complaint. Authorization will be limited to the term of coverage of this contract. A copy of this form will be made available to subscriber or their authorized representative upon request. Signature Date PAPERLESS? Yes No Agent/Broker # Group # Group Name Coverage Eff. Date T ehealth Dominion Dental Services, P.O. Box Charlotte, NC This is a reduced fee-for-service program designed specifically for individuals. It is not an insurance product, regulated by the State Insurance Department, or covered by any state's guarantee fund or corporation. Delaware - Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony. District of Columbia - WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant. Maryland - Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Pennsylvania - Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals,for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. TCAPP12TK

13 Virginia Residents Dominion Dental Services, Inc. Alexandria, VA Enrollment Card SELECT PLAN: Select Plan Access PPO Option 1 (1889) Enrollment Information Last Name First Name M.I. Sex M F Birthdate (MM/DD/YY) Home Address Home Phone City State ZIP Work Phone Address Does this plan replace other dental coverage? Yes No List All Your Eligible Dependents Below Last Name (if different) First Name M.I. Spouse Sex (M/F) Birthdate (MM/DD/YY) SELECT PLAN Provider Selection Dental Office Name & Code # (As Indicated on Your Dentist Directory) If I am enrolling in the Select Plan, I agree to remain in Plan a minimum of twelve (12) months. If I cancel before the end of the 12 month period, I may be responsible for the usual, customary and reasonable charges for services received, reduced by the sum of the subscription dues and copayments paid. I understand and agree that my signature on this enrollment form serves as my legal commitment to the Plan and its terms. Further, this signature represents my authorization for the release of information regarding services provided to me or my covered dependents by dentists and other providers of dental services. Information will be released to Dominion Dental Services, Inc., for the purpose of investigation or evaluation of care in connection with a claim or complaint. Authorization will be limited to the term of coverage of this contract. A copy of this form will be made available to subscriber or their authorized representative upon request. I, the undersigned applicant, certify that I have read, or had read to me, the completed application and I realize that any false statement or misrepresentation in the application may result in loss of coverage under the policy. The Access PPO may have a reduction of benefits as the result of another insurer providing coverage for the same loss. Signature Date PAPERLESS? Yes NO Agent/Broker # Coverage Eff. Date T ehealth Dominion Dental Services, P.O. Box Charlotte, NC Virginia - It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. TCAPP12TK-VA 13