“We Believe Spirit is the Best Dental Plan in America!”

Why Dental Insurance? Preventive Dental Care builds a healthy smile

and healthier life Over 125 Illnesses including anemia, bulimia,

diabetes, osteoporosis and cancer express symptoms in the mouth which can be detected during a routine dental exam. 2000 Surgeon General’s report

Dental insurance provides financial assistance to you and your family to encourage regular visits to your dentist, which are essential to maintaining oral health.

EXPERIENCE THE FREEDOM1. Choose Your Own Dentist or select from a PPO Plan Network2. No Waiting Periods3. Guaranteed Acceptance4. Implants and Major Services Covered5. 3 Cleanings Per Calendar Year6. Choose From $1,200 or $2,000 Calendar Year Annual

Maximums per Person7. Rates Guaranteed for 1 Year

Who is Spirit Dental & Vision? Created in 2003 by Direct Benefits Underwritten by Security Life Insurance

Company of America - Founded in 1956 Over $50 million yearly dental premiums Thousands of customers nationwide

What Plans are available?

Indemnity PlanDHA – Premier PPO Network

Indemnity Means that you can Choose Any Dentist in the

USA No PPO Network Based upon the 90th percentile of Reasonable

and Customary (R&C) R&C means the usual, customary and regular

charges for the area where such expenses are incurred

Indemnity Covered ServicesPREVENTIVE* -- two exams per calendar year -- three cleanings per calendar year

BASIC * -- Space maintainers -- one series of bitewing x-rays per year -- Sealants (children to age 16) -- one topical fluoride per year to age 16

MAJOR * -- Simple extractions -- Implants (endosteal only), up to the allowance for

the lowest cost covered traditional procedure -- One diagnostic x-ray, full or panoramic in any 3 year

period -- Oral surgery -- Endodontic treatment -- Periodontal services -- Restoration services; inlays, onlays and crowns -- Prosthetic services; bridges and dentures -- Basic fillings

DHA-Premier PPO Network Choose from nearly 46,000 dentists Higher Coverage – Lower Rates To look up DHA-Premier providers, please

visit www.premier-dental.com Not available in AK, ID, IL, ME, NJ, NY,

VA, VT and WA

DHA-Premier Covered ServicesPREVENTIVE* -- two exams per calendar year -- three cleanings per calendar year

BASIC * -- Space maintainers -- one series of bitewing x-rays per year -- Sealants (children to age 16) -- one topical fluoride per year to age 16

MAJOR * -- Simple extractions -- Implants (endosteal only), up to the allowance for

the lowest cost covered traditional procedure -- One diagnostic x-ray, full or panoramic in any 3

year period -- Oral surgery -- Endodontic treatment -- Periodontal services -- Restoration services; inlays, onlays and crowns -- Prosthetic services; bridges and dentures -- Basic fillings

Deductibles and Maximums $50 Preventive Lifetime deductible per

person $50 combined Basic/Major calendar year

deductible per person - Maximum of 3 individual deductibles per family per calendar year

Choose from $1200 or $2000 annual maximum per person per calendar year

Optional Spirit Vision Insurance Choose Your Own Eye Care Provider

Maximum covered expense: Exam (once every calendar year) ….$50 Frames (once every 24 months)……$65 Lenses (once every 12 months)- Single $40,

Bifocal $60, Trifocal $70, No line bifocal or Progressive $100

Contacts (In lieu of lenses & frames)..$100

Vision Copay, Deductible & Rates $10 co-pay for each Yearly Exam $50 Lifetime Per Person Deductible on

Lenses and Frames Monthly Premiums Under age 65 Age 65+

Insured only $7.80 $9.36 Insured & 1 person $14.90 $17.88 Insured & 2 or more $19.97 $23.96

Your Rates are based on

1. The zip code in which you live

2. Your Age

3. Coverage type you select: Applicant, Applicant +1 or Applicant + Family

4. Indemnity (Choose Any Dentist) or PPO

5. $1200 or $2000 calendar year annual maximum

6. Vision or No Vision Coverage

How to Enroll? Monthly payment options are available by Auto-

bank draft ACH Checking/ Savings account or Visa/ Master Card

$35 paper application fee or $20 online application fee: www.SpiritDental.com

Plan effective dates are always 1st of the month 10-day Customer Satisfaction Guarantee

Important Notice- This presentation provides a very brief

description of some important features of your Plan. It is not the Insurance Contract, nor does it represent the Insurance Contract. A full explanation of benefits, exceptions and limitations is contained in the Certificate of Insurance under Policy Form GH-1112-37740-1 issued to the Voluntary Group Trust