Dental, Vision and Hearing

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         Eligibility Anyone age 18-75

Policy Year Maximum Benefit $1,000 or $1,500 (choose one)

Policy Year Deductible $100 per person 

         Dental Coverage

Preventative Services
Semi-Annual exams, cleaning, and x-rays.          

                      Year 1 – 60%                      

Year 2 – 70%
                            Year 3 and thereafter – 80%

Waiting Period None

Basic Services
Including x-ray (other than “full mouth”), 

          fillings, and extractions                                          

Year 1 – 60%
Year 2 – 70%
                             Year 3 and thereafter – 80%

 Waiting Period None

Major Services

Including bridges, crowns, full dentures

or partials, full mouth extractions, 

              and root canals                                                       

Year 1 – 0%
  Year 2 – 70%
                               Year 3 and thereafter – 80%

            Waiting Period 12 months

      Vision Coverage  

Basic eye exam or eye refraction, including 

     the cost of eye glasses or contact lenses.         

Year 1 – 60%
Year 2 – 70%
                             Year 3 and thereafter – 80%

Waiting Period 6 months on eyeglasses and contact lenses

        Hearing Coverage 

Exam, hearing aid and necessary repairs 

         or supplies                                                              

Year 1 – 60%
Year 2 – 70%
                              Year 3 and thereafter – 80%

Waiting Period 12 months new hearing aids and existing hearing aid repairs