Dental insurance isimportant.

It’s a fact...

deltadentalco.com

Your oral health is connected to your overall health. Researchers have uncovered links between gum disease and systemic health, including associations with heart disease and strokes. That’s why it’s so important to make dental care a priority — it can help you and your family live healthier.

• 23% of all adults have untreated tooth decay.

• More than half of U.S. children ages 5 to 9 have at least one cavity or

filling.

• One out of every two American adults age 30 or older has periodontal disease.

• Dental disease causes employed adults to lose more than 164 million hours of work a year.

• In Colorado, dental disease costs taxpayers an estimated $1 billion annually.

Fact: Your overall health will benefit.

• Tooth decay is the single most common chronic childhood disease.

• If you have cavity-causing germs in your mouth, you can pass them to your baby.

• More than 120 diseases can cause specific signs and symptoms in and around the mouth and jaw. A dentist doing regular check-ups can help spot these potential problems.

People with dental insurance are more likely to visit the dentist regularly.

Patients receiving regular preventive care have better oral health.

Dental insurance often covers 100% of preventive care.

Facts...

...and Figures

People with dental insurance are more likely to visit the dentist regularly. Routine exams allow your dentist to get to know you and follow your health history. Dentists are more able to catch and treat potential problems early when they see their patients on a routine basis. Invest in your future — make dental care a priority.

What does “healthy living” really mean? Diet, exercise, and plenty of rest are major components of a healthy lifestyle, but other healthy habits include:

• Regular dentist visits.

• Brushing and flossing at least twice a day.

• Making nutritious food choices.

• Sharing your medical conditions with your dentist.

Fact: Finding a provider is easy!

Use the Find a Dentist search tool at deltadentalco.com

Call 1-800-610-0201 8 a.m. to 6 p.m. MT Monday–Friday

Download the free Delta Dental mobile app for iPhone and Android

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Fact: Nearly 100% of oral disease is preventable.

Fact: Healthy habits lead to healthy smiles.

By choosing a Delta Dental PPOSM provider, you will save

the most money on out-of-pocket expenses!

Dental Plans to Keep You Healthy and SmilingDelta Dental of Colorado is the state’s leading dental benefits company and the only one based in Colorado. Unlike most carriers, we focus on just one thing — dental insurance. We provide our more than one million members with the convenience of local customer service backed by a national network of dental providers. In addition, we are a nonprofit company with a mission to improve oral health in Colorado.

Since 1958, we have offered high-quality, cost-effective dental plans to help you stay healthy and smiling. We are committed to:

• Expanding access to oral health care.

• Using our dental benefits expertise to provide access to the best dental care in the most extensive network.

• Providing world-class customer service.

Contact Us Delta Dental of ColoradoPO Box 5468Denver, Colorado 80217-5468

Customer RelationsToll-free: 1-800-610-0201 Monday–Friday 8 a.m. to 6 p.m. Mountain TimeEmail: customer_service@ddpco.com

Visit us at deltadentalco.com to:

• Find a provider• View benefits• Print ID cards

• Check claim status• Assess your oral health

risk

• View wellness resources• And much more

Fact: Delta Dental is the champion of your smile!

Delta Dental PPOSM plus Premier® Just Associates, Inc. – Group #12453-1111

High Option - Summary of Benefits

Effective 1-1-17

You are enrolled in a Delta Dental PPO plus Premier plan. You and your family members may visit any licensed provider, but you will receive the greatest out-of-pocket savings if you see a Delta Dental PPO provider. PPO Provider – Payment is based on the PPO provider’s allowable fee, or the actual fee charged, whichever is less. Premier Provider – Payment is based on the Premier Maximum Plan Allowance (MPA), or the fee actually charged, whichever is less. Non-Participating Provider – Payment is based on the non-participating Maximum Plan Allowance. Members are responsible for the difference between the non-participating MPA and the full fee charged by the provider (balance-billing). You will receive the best benefit by choosing a PPO provider. Open enrollment applies. Members may add coverage once per year. This is a brief description of services covered under the dental plan. Please refer to the employee benefit booklet for full plan details. If differences exist between this summary and the employee benefit booklet, the employee benefit booklet will govern. Delta Dental of Colorado Customer Service: 1-800-610-0201 | customer_service@ddpco.com. Find us online at deltadentalco.com.

Network Delta Dental PPO Dentist

Delta Dental Premier Dentist

Non-Participating Dentist Benefit Limitations

Diagnostic & Preventive Services

Oral Exams & Cleanings 100% 100% 100% Once each in a 6-month period

Sealants 100% 100% 100% Once per tooth for permanent molars in children through age 14 in a 36-month period

Bitewing X-Rays 100% 100% 100% Once in a 12-month period

Full-mouth X-rays 100% 100% 100% Once in a 60-month period

Fluoride 100% 100% 100% Twice in a 12-month period, through age 15

Space Maintainers 100% 100% 100% Children through age 13

Basic Services

Fillings 80% 80% 80% Once per tooth in a 24-month period; amalgam fillings on back teeth; composite (white) fillings on front teeth

Simple Extractions 80% 80% 80%

Major Services

Oral Surgery 50% 50% 50%

Endodontics/Periodontics 50% 50% 50%

Denture Repair/Reline 50% 50% 50%

Crowns 50% 50% 50% Once per tooth in a 84-month period

Dentures, Bridges 50% 50% 50% Only a benefit to replace a functioning, natural tooth that was extracted while the patient was covered under this plan

Orthodontic Services

50% 50% 50% Dependent children to age 19; $1,000 lifetime maximum

Calendar-year Deductible $50 – Individual $150 – Family

Applies to Basic and Major services only

Calendar-year Maximum $1,000 Per Individual

Orthodontic Lifetime Maximum $1,000 Dependent children to age 19

Prevention First Included When you see a PPO or Premier provider for all services, covered Diagnostic & Preventive services do not count toward your calendar-year maximum.

Delta Dental PPOSM plus Premier

With the Delta Dental PPO plus Premier plan, you and your family members may visit any licensed dentist, but you will receive the greatest out-of-pocket savings if you see a Delta Dental PPO provider. Participating providers file claims directly with Delta Dental and accept Delta Dental’s reimbursement in full. You are responsible only for your deductible and coinsurance (as determined by your plan), as well as any charges for non-covered services up to Delta Dental’s approved amount. If you choose to see an out-of-network provider, you will incur additional out-of-pocket expenses, and you will be billed the total amount the provider charges (called balance-billing). When you see a Delta Dental PPO or Premier® provider, you are protected from balance-billing.

Advantages of the Delta Dental PPO plus Premier plan:

SAVINGS: Delta Dental PPO providers offer subscribers the greatest savings. And, in some areas, you will still save money if you need a service that is not covered. Non-covered services will be billed at a discounted rate if you go to a PPO provider.

CHOICE: If you choose to visit a Premier provider, you will still save money because Premier providers also accept discounted fees (however, discounts are not as great as if you see a PPO provider).

NETWORK: Delta Dental’s dual network has nearly 103,000 PPO providers and 155,000 Premier providers nationwide.

To find a participating provider or to see if your current provider is in the PPO network, visit our website at deltadentalco.com and click on the Find a Dentist search tool. Or use our free mobile app for iPhone and Android.

You can also contact our customer relations department, Monday–Friday 8 a.m. to 6 p.m. Mountain Time, at1-800-610-0201 (toll-free) or customer_service@ddpco.com.

Looking for a dentist? Concerned about costs?PPO providers offer you the greatest savings.

Service: Porcelain Crown (Benefit illustration only.Example assumes deductible has been met.)

Greatest Savings Least Savings

Protected from balance-billingNot protected from

balance-billing

Network Delta Dental PPO Provider

Delta Dental Premier Provider

Out-of-Network Provider

Procedure Cost $1,000 $1,000 $1,000

Maximum Provider Can Charge Patient $710 $950 Unlimited

Maximum Provider Can Charge Insurance (MPA)* $710 $950 $660

Benefit Percentage 50% 50% 50%

Delta Dental Pays $355 $475 $330

You Pay $355 $475 $670

*The maximum a provider can charge your insurance company is called the Maximum Plan Allowance (MPA). The MPA for an out-of-network provider is always lower than in-network MPA. Delta Dental pays a portion of the MPA only, which exposes you to balance-billing from an out-of-network provider. deltadentalco.com

Delta Dental PPOSM Just Associates, Inc. – Group #12453-2222

Low Option - Summary of Benefits PPO Network Only

Effective 1-1-17

You are enrolled in a Delta Dental PPO plan. You and your family members must see a Delta Dental PPO provider. There is no benefit for services received from a non-PPO provider. PPO Provider – Payment is based on the PPO provider’s allowable fee, or the actual fee charged, whichever is less. Premier Provider – No benefit. Non-Participating Provider – No benefit. Open enrollment applies. Members may add coverage once per year. This is a brief description of services covered under the dental plan. Please refer to the employee benefit booklet for full plan details. If differences exist between this summary and the employee benefit booklet, the employee benefit booklet will govern. Delta Dental of Colorado Customer Service: 1-800-610-0201 | customer_service@ddpco.com. Find us online at deltadentalco.com.

Network Delta Dental PPO Dentist

Delta Dental Premier Dentist

Non-Participating Dentist Benefit Limitations

Diagnostic & Preventive Services

Oral Exams & Cleanings 100% N/A N/A Once each in a 6-month period

Sealants 100% N/A N/A Once per tooth for permanent molars in children through age 14 in a 36-month period

Bitewing X-Rays 100% N/A N/A Once in a 12-month period

Full-mouth X-rays 100% N/A N/A Once in a 60-month period

Fluoride 100% N/A N/A Twice in a 12-month period, through age 15

Space Maintainers 100% N/A N/A Children through age 13

Basic Services

Fillings 80% N/A N/A Once per tooth in a 24-month period; amalgam fillings on back teeth; composite (white) fillings on front teeth

Simple Extractions 80% N/A N/A

Major Services

Oral Surgery 50% N/A N/A

Endodontics/Periodontics 50% N/A N/A

Denture Repair/Reline 50% N/A N/A

Crowns 50% N/A N/A Once per tooth in an 84-month period

Dentures, Bridges 50% N/A N/A Only a benefit to replace a functioning, natural tooth that was extracted while the patient was covered under this plan

Orthodontic Services

Not covered Not covered Not covered

Calendar-year Deductible $50 – Individual $150 – Family

Applies to Basic and Major services only

Calendar-year Maximum $1,000 Per Individual

Orthodontic Lifetime Maximum Not Covered

Prevention First Included When you see a PPO provider for all services, covered Diagnostic & Preventive services do not count toward your calendar-year maximum.

Delta Dental PPOSM Only

If you choose a PPO Only dental plan, you must see a PPO provider in order to receive benefits.* If you receive treatment from a non-PPO provider, you will be responsible for all fees charged. Of course, with more than 2,200 PPO providers practicing across the state, you have many choices.

When looking for a provider using our Find a Dentist online tool, limit your search to PPO providers.

PPO dentists submit claim forms directly to Delta Dental of Colorado. With this PPO Only plan, you are responsible for only a portion of the cost of each procedure. You can determine your coinsurance by looking at your explanation of benefits or by contacting our customer service department using the information below. You will be billed only for your portion of the cost after each procedure instead of having to be reimbursed.

Remember, it makes sense to find out how much your portion of expensive procedures will be, so ask your provider to submit a pre-treatment estimate. Delta Dental will review the treatment plan and tell you exactly how much you are responsible for. This way, you will have a clear understanding of your cost before you decide to proceed with the treatment.

*Please note that if you are in the middle of orthodontic treatment and your provider is not in the Delta Dental PPO network, your treatment will not be covered under the PPO Only plan.

deltadentalco.com

LOOKING FOR A PPO PROVIDER?

Visit our website at deltadentalco.com and use our Find a Dentist search tool.

Download our free mobile app for iPhone or Android and tap on Find a Dentist.

Contact customer service via email at customer_service@ddpco.com or toll-free at 1-800-610-0201.

Prevention First: Get More From Your Dental Benefits

Delta Dental of Colorado knows that regular visits to the dentist can improve your oral health and your overall health. And with our exclusive PREVENTION FIRST program, your diagnostic and preventive visits will not count against your annual maximum. This helps your benefits go further by extending your annual maximum dollars. There are plenty of other reasons why you should be using PREVENTION FIRST:

EFFECTIVE IMMEDIATELY There are no waiting periods. You can start saving money the first day your plan is effective.

EASY TO UNDERSTAND & USEThere are no complicated rules to follow or rollover equations to figure out. See your Delta Dental provider* for exams, X-rays, and cleanings, and you will not use any of your annual maximum, so it will be there for any additional treatments you may need in a benefit year. A Delta Dental PPO℠ provider is always your best value!

ENCOURAGES GOOD ORAL HEALTHUnlike other carriers’ max rollover plans, which reward members who don’t use their benefits in order to roll money over into the following benefit year, PREVENTION FIRST encourages you to get your preventive care by not counting these visits against your annual maximum. Not only will your dental benefits go farther, but good preventive care can help you avoid potentially painful and costly restorative treatments down the road.

Delta Dental PPO providers are your best value because you will get a bigger discount (making your annual max go even further) and pay less out of pocket.

You have dental insurance — make the most of it and protect your smile. Make a dentist appointment today.

*Check your plan benefits. Some plans require that you see a Delta Dental PPO or Premier provider for all services, not just preventive.

WITHOUT Prevention First

WITHPrevention First

Delta Dental Pays $350 $350

You Pay $0 $0

Annual Maximum Remaining $650 $1,000

HOW PREVENTION FIRST HELPS YOU STRETCH YOUR BENEFIT DOLLARS:

Most of our dental plans cover preventive visits at 100%**, so you pay nothing out of pocket. But with PREVENTION FIRST, not only do you pay nothing, but you still have the money thatDelta Dental pays available to you in your annual maximum.So in the example below, it’s like you have $350 extra dollars a year to spend.

**Plan benefits and provider charges vary. The above sample assumes two routine check-ups with a PPO provider and $1,000 annual maximum.

deltadentalco.com

deltadentalco.com

Delta Dental Mobile AppManage Your Benefits Anywhere, Anytime

Your dental health is important to Delta Dental . . . and to your overall health. We want to make it easy for you to make the most of your dental benefits, so you can maximize your health, wherever you are. Delta Dental’s mobile app gives you access to the dentist search tool, claims and coverage, ID cards, and more, right on your mobile device.

GETTING STARTED Delta Dental’s mobile app is available for smartphones and tablets using iOS (Apple) or Android. To download and install the app on your device, visit the App Store (Apple) or Google Play (Android) and search for Delta Dental.

USING THE APP WITHOUT LOGGING INAnyone can use the Delta Dental mobile app without logging in to access our Find a Dentist, conveniently located on the home screen, and Toothbrush Timer tool in the drop-down menu on the upper left side of the home screen. You also have the option to save your ID card to the home screen for easy access without logging in.

LOGGING IN TO VIEW BENEFITSDelta Dental subscribers can log in using the username and password they use to log in to our website or the new touch ID sign-in. If you haven’t registered, there is a link on the home screen to register for an account.

SECURELY ACCESS YOUR BENEFITSYou must enter your username and password each time you access the secure portion of the app. No personal health information is ever stored on your device.

For more information on the specific features and tools available on the Delta Dental mobile app, see the back.

SUBSCRIBER ID CARDOur most-used feature is now on the landing page. Simply log in to view your ID card, show it at the dental office, or email it to a dependent or provider.

TIP: You can choose to make your ID card available on your device without logging in.

FIND A DENTISTSearch for providers who are in your area and have the qualities that matter most to you. Find an office close to work or home, and filter by gender, language spoken, or accessibility features. Once you’ve found a provider who fits your needs, save his or her information to your contacts, call to schedule a visit, or navigate directly to their office with the touch of your finger.

TIP: Our tool defaults to your plan network (when logged in) and General Dentist to make searching for an in-network provider simple. You can also choose to use your device’s GPS to determine your location or search using your provider’s last name to see if he or she is in our network.

MY COVERAGE AND CLAIMSSimply click My Coverage or My Claims within the top left menu bar to check your coverage information or see claims status. Within the coverage section, you can review your plan type, benefit levels, and contact information for your Delta Dental company, as well as details on your deductibles and maximums. Within the claims section, you can check the status of your most recent dental claims. Click on a specific claim to view details of that visit with the option to email the claim information.

Delta Dental Mobile FeaturesLog In to Access the Full Range of Tools & Resources

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New Feature! LifeSmile ScoreYour teeth and gums matter. Your

LifeSmile Score helps you make the connection between the

health of your teeth and gums to your overall health. The better your oral health is, the healthier

you are. Take the survey, then take the results with you to your

next check-up.

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deltadentalco.com

Using Your Dental Benefits

GO TO DELTADENTALCO.COM AND FIND A DENTIST NEAR YOU. Choose either a Delta Dental PPOSM or a Delta Dental Premier®provider based on the plan you have.

Congratulations! You have a dental plan from Delta Dental of Colorado. It’s so important to use your dental benefits because your oral health is connected to your overall health. Your dentist can spot the early signs of systemic diseases and can help you avoid more painful and costly dental procedures in the future. So make dental care a priority.

MAKE AN APPOINTMENT. A Delta Dental PPO provider will always cost you less out of pocket, so search for one near you to get the greatest savings.

CREATE A SUBSCRIBER ACCOUNT ON OUR WEBSITE. You can check the specifics of your plan, thestatus of claims, and much more.

NOW, SMILE! You’re taking steps to protect your oral healthand your overall health!

Plus, preventive services — like cleanings and exams — are usually at no cost to you, so there’s no reason to wait.

CONTACT USDelta Dental of ColoradoPO Box 5468Denver, CO 80217-5468

Customer RelationsToll-free: 1-800-610-0201Monday–Friday 8 a.m. to 6 p.m.Mountain TimeEmail: customer_service@ddpco.com