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The dental maintenance plan provides dental coverage to you and your covered dependents through a network of participating dentists. You MUST select a dentist and obtain services from that dentist in 
order to be covered for benefits. You may change dentists as often as you like. There is no deductible and your out-of-pocket expense is based upon the schedule of benefits and the services you receive.
The participating dentist will file claims for you. A fee schedule and list of providers are available from the Benefits Office. You are covered for all services, including major dental procedures, as of the effective date of the plan. Generally, the co-payments represent about a 50% to 90% discount in normal fees. You receive a 30% discount for treatment by a specialist.
The dental indemnity plan does not restrict your choice of dentists, but it does limit your coverage based on years of participation in the plan.
| Policy Year | Benefits Available |
| Year 1 | Preventative, basic, and major services are avaliable for coverage up to $500.00 |
| Year 2 | Coverage for orthodontia for children under age 19 is added, insurance company limit increases to $1,000.00. The life-time maximum benefit limit for orthodontic services is $1,500.00 per covered child. |
| Year 3 | Preventative care coverage increases to 100%, and insurance company payment limit increases to $1,250.00 |
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