Exclusions for Solo Dental Insurance by Security Life

(This is Dental Indemnity Insurance)

Comments that are bulleted and highlighted in Blue are observations by Savon

All information on this page was collected from a FCAA brochure

Acid etching is not covered, however it is a necessary part of each filling, the cost is not included it this price.*

There may be an extra premium charged for Orthodontic Coverage.

No benefits will be paid for expenses incurred

1. For over dentures and associated procedures.
2. For charges in excess of those considered reasonable and customary.
3. For cosmetic procedures.
4. For the replacement of full or partial dentures, bridges, inlays, onlays or crowns that can be repaired or restored to normal function.
   
   Experience has shown that "repairing" leads to more problems.
   
   
5. For implants; and for
   •   a.  replacement of lost or stolen appliances
   •   b.  replacement of retainers
   •   c.  athletic mouth guards
   •   d.  precision or semi-precision attachments
   •   e.  denture duplication; or
   •   f.  sealants
6. For oral hygiene instructions; and for
   •   a.  plaque control
   •   b.  completion of a claim form
   •   c.  acid etch
   •   d.  broken appointments
   •   e.  prescription or take-home fluoride; or
   •   f.  diagnostic photographs
7. For study models
8. For general anesthesia, analgesic or intravenous sedation;
9. For services not completed by the end of the month in which coverage ends, unless continuation of coverage has been requested and accepted by Us.
10. For procedures that are begun, but not completed.
11. For services and treatment provided without charge or for which there would be no charge in the absence of insurance.
12. For services in connection with war or any act of war, whether declared or undeclared, or condition contracted or accident occurring while on full-time active duty in the armed forces of any country or combination of countries.
13. For a condition covered under any Worker’s Compensation Act or similar law.
    
    Since Savon is not Insurance, if you have workers' compensation or are self-employed, you are still entitled to your Savon discounts.
    
    
14. That are applied toward satisfaction of a Deductible, if any.
15. That are generally considered by the dental profession as experimental or investigational.
16. For the treatment of cleft palate and anodontia.
17. For services or supplies payable under any medical expense plan.
18. For orthodontia, unless included within Coverage Schedule.
    
    This is especially important for families with children ages 8 to 16 years old.
    
    
19. Prior to the date the Insured is covered under the Policy.
20. For the diagnosis or treatment of TMJ.
21. For hospital services.
22. For any unmarried child age 19 years of age and over unless he is dependent upon You for support, while a full-time student. A full-time student is one who is enrolled for 12 semester hours for credit in an accredited junior college, college or university. Any exception for a full-time student will end at age 25.
23. During any waiting period We require, when You voluntarily end Your insurance and re- enroll at a later date. Your waiting period is 2 years and begins on the date Your coverage first ended.
24. Charges for infection control, sterilization and waste disposal.