Major Dental Services and Supplies Benefit

If you choose Advantage or Comprehensive Plan coverage, you are covered for routine dental services and supplies such as oral examinations, emergency examinations, fluoride treatments, some denture maintenance and oral surgery. These routine services, however, may not meet all your needs. You can add the Major Dental Services and Supplies Benefit to your Advantage or Comprehensive Plan coverage, if you had similar prior coverage. This benefit covers you and all insured family members for additional major dental services.

Benefits payable under this option are reimbursed at 50 per cent for eligible major dental expenses, up to $500 per insured per calendar year. The major dental services and supplies covered under this benefit include:

• Crowns and onlays
• Dentures
• Denture-related surgery
• Appliance maintenance

The Major Dental Services and Supplies Benefit option is only available with your initial PlanDirect purchase. You can’t add it later.

Detailed coverage information

Throughout this section, “you” and “your” refer to the proposed owner of the PlanDirect policy.

Covered major dental services and supplies

Crowns and onlays – We cover metal, plastic, porcelain and ceramic crowns, onlays, posts, cores, pins and copings related to covered crowns. Coverage for crowns on molars is limited to the cost of metal crowns.

Dentures – While PlanDirect is in force, we cover dentures, including overdentures, when required to replace one or more extracted teeth.

Denture-related surgery – We cover the following denture-related surgical services for remodeling and recontouring oral tissues: remodeling, excisions, removal, reduction or augmentation of the alveolar bone, remodeling of the flooring of the mouth, vestibuloplasty, reconstruction of the alveolar ridge, extensions of mucous folds and related surgical grafts.

Appliance maintenance – We cover one denture remake per insured person every three years and one denture adjustment per insured person per year, denture repairs and additions, tissue conditioning and resetting of denture teeth.

Termination age

The Major Dental Services and Supplies Benefit can remain in effect as long as your PlanDirect policy remains in force.