Exclusions & Limitations

For a complete listing of benefits, exclusions and limitations - please refer to your Policy. In the event of any discrepancies contained on this webpage, terms and conditions in the Policy documents shall govern. This website provides only a summary of information and the benefits and rates may vary by state.

Exclusions - This policy excludes and will not reimburse for the following services or charges.

• Services provided by anyone other than a doctor of medical dentistry or a doctor of dental surgery, unless a licensed hygienist performs the services under the direction of a doctor of medical dentistry or a doctor of dental surgery, or a denturist.
• Services received while on active duty with a military service of any country or international organization.
• Services needed because of participation in a riot or insurrection or the commission of a felony.
• Services needed as a result of a work-related injury or illness, whether or not covered under Worker's Compensation;
• Services provided by an employer.
• Services started before your effective date. Examples of excluded services under this paragraph include but are not limited to the following: obtaining an impression for an appliance, or a modification of one, before your effective date; preparing a tooth for a crown, bridge or other lab fabricated restorations before your effective date; opening a pulp chamber for root canal therapy before your effective date.
• Services not completed before your termination date.
• Services required because you failed to comply with professionally prescribed treatment.
• Telephone consultation services.
• Charges for your failure to keep a scheduled appointment.
• Services that are primarily for cosmetic reasons. Examples include alteration or extraction of functional natural teeth for the purpose of changing appearance and replacement of restorations previously performed for cosmetic reasons.
• Services for orthodontic treatment and orthodontia type procedures unless this policy defines those services as covered services.
• Services received for or related to temporomandibular joint dysfunction (TMJ).
• Charges in excess of the agreed to coverage amounts, as shown on the schedule of benefits.
• Services for correction or alteration of occlusion, or any occlusal adjustments. Expenses incurred for night guards or any other appliances for the correction of harmful habits, except as defined as a Covered Dental Expense.
• Charges for "safe fees" (e.g., gloves, masks, surgical scrubs and sterilization).
• Charges for copies of records, charts, x-rays and any other costs associated with the forwarding or mailing of these copies, or for completing dental forms.
• Charges for state or territorial taxes associated with dental services.
• Charges for services received from two or more providers for a single procedure or course of care, if those charges would have been less if received from one provider and you made the decision to transfer your care during the procedure or course of care.
• Services that are experimental or investigational.
• Services that are not within the scope of the treating provider’s practice.
• Services that are not Medically Necessary or that would not meet generally accepted standards of practice.
• Charges that you would not legally have to pay if you did not have insurance unless mandated by law.
• Services for specialized procedures and techniques, including precision attachments, personalization, and precious metal bases.
• Charges for duplicate or provisional services or supplies.
• Charges for plaque control programs, oral hygiene instruction, and dietary instructions.
• Charges for gold foil restorations.
• Charges for treatment at the hospital.
• Service to adjust a denture or bridgework within six months after it is installed or adjusted, by the same provider who installed or adjusted it.
• Charges for home health aides, including but not limited to toothpaste, fluoride gels, dental floss and teeth whiteners.
• Services to seal teeth, other than permanent molars.
• Charges to replace lost, stolen or misplaced dentures.
• Charges to repair or replace damaged, lost or missing appliances.
• Services to fabricate an athletic mouth guard;
• Charges for internal bleaching, nitrous oxide, oral sedation, and/or topical medicament centers.
• Charges for bone grafts in connection with extractions, apicoectomies or non-covered or non-eligible implants.
• Charges for a Deductible, Coinsurance, or other cost-sharing amounts for which you are responsible.
• Temporary services that are considered an integral part of a final services rather than a separate service.
• Charges for veneers and related procedures.
• Services not listed as a covered service.
• Services received outside of the United States.

Underwritten by Best Life & Health Insurance Company PO Box 19721, Irvine, CA 92623