Yes, you may change your dentist at any time.

A pre-existing condition is an oral health condition, which existed before your enrollment in a dental program. The plan does not include an exclusion for pre-existing conditions. However, expenses for the replacement of teeth that were lost or extracted prior to the policy effective date will not be covered.

Work in progress is any oral health procedure that is started and not completed prior to your enrollment in a dental program. The plan does not cover any expenses prior to the date you are covered under the Policy.

The Advantage Dental Plans give you the freedom to receive dental treatment from any dentist You choose. This Plan usually pays a higher level of benefits for covered treatment furnished by a Contracted Dentist. Conversely, it usually pays less for covered treatment furnished by a Non-Contracted Dentist.

See “Additional Network Information” section above for more information.

You can start using your plan once it goes into effect - usually the 1st of the month following your enrollment (as long as the enrollment and payment is received within the enrollment deadline). Incomplete enrollment forms or failure to submit the required initial premium amount may cause an initial delay in issuance of insurance. Do not cancel any other insurance or assume you are insured under the Plan until you receive your certificate of insurance.

Once enrolled you will receive confirmation email prompting you to register as a new member. Once registered you can print your Welcome letter and ID card, access plan documents and other benefit information

You and any of Your eligible dependents may enroll in this Plan. When You become eligible, You may enroll for dental insurance by completing the required enrollment application and sending the completed form to Us on a timely basis. In order for Your dependent coverage to start, You must also be covered under this Plan. You must enroll for a minimum of 12 months.

Eligible Dependents

Your eligible dependents are Your:

• Spouse; and
• Unmarried dependent child, including:
  • A newborn child, natural child, stepchild or a child placed with You for adoption or foster care who is under age 30; and
  • A child who is incapable of self-support because of a physical or mental incapacity. A dependent child may remain eligible for dependent benefits past the age limit, subject to the conditions below:
    • The condition started before he or she reached the age limit; and
    • The child remained continuously covered until he or she reached the age limit; and
    • You send Us written proof, and We approve such proof, of the child’s disability and dependence within 31 days from the date he or she reaches the age limit. After the two-year period following the child’s attainment of the age limit, We can ask for periodic proof that the child’s condition continues, but We cannot ask for this proof more than once a year.

In order for Your dependent coverage to start, You must also be covered under this Plan.

If You initially waive dependent dental coverage under this Plan because Your dependent(s) were covered under another dental Plan, You can enroll Your dependent(s) under this Plan if his or her dental coverage will end due to one of the following Qualifying Events:

• Termination of Your Spouse's employment.
• Loss of eligibility under Your Spouse's dental Plan.
• Divorce.
• Death of Your Spouse.
• Termination of the other dental Plan.
• Any other event as required by state or federal law.

However, You must enroll Your dependent(s) under this Plan within 30 days of the Qualifying Event.

As long as you meet the plan’s general eligibility requirements and pay the applicable premium, your acceptance is automatic.