Insurance

Program Guidlines

• Membership and benefits are effective immediately upon payment of yearly fees.
• Your plan’s effective date will be on file at the office
• Benefit fee table is subject to revision annually
• This plan cannot be used in conjunction with another dental plan
• No refunds or premiums will be issued at any time if the participant decides not to utilize the plan
• This plan is honored only at Applewood Dental

Program Limitations

This program is a discount plan and not a dental insurance plan. It cannot be combined with any other insurances and cannot be used:

• For services for injuries covered under workman’s compensation
• For treatment which, in the sole opinion of the treating doctor, lies outside the realm of their capability
• For referrals to specialist
• For hospitalizations or hospital charges of any kind
• For costs of dental care which are covered under an automobile or medical insurance