Principal PPO Dental Plan

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1 Principal PPO Dental Plan TargetCW is pleased to offer you participation in the Principal Dental Plan. Below is some important information to know about the plan. If you have any questions, please do not hesitate to contact your Benefits Administrator at: or Important Plan Information The effective date for your coverage will be the first of the month after 30 days employment. Late applications can be accepted up to 7 days after the effective date; however, retroactive deductions may occur. Employees working 20 or more hours per week are eligible. If you do not submit your application by the above deadline, you may not enroll until the next Open Enrollment period or if you experience a Family Status Change (marriage, divorce, birth of a child, spouse s job change, etc.). You have 30 days from the event to update your coverage. Documentation will be required. Changes or cancellation of your coverage can only occur during the annual Open Enrollment period or if you experience a Family Status Change. Adjustments relating to a Family Status Change must be made within 30 days of the event. Documentation will be required. Deductions for your coverage will be taken per paycheck on a pre-tax basis unless you notify us, in writing, otherwise. Please review the plan documents carefully. If you have any questions on the coverage, contact the TargetCW Benefits Department. Weekly Rates Principal PPO dental rates Employee only $11.23 Employee + Spouse $22.52 Employee + Child(ren) $27.49 Family $40.40 Instructions for completing the PPO application: Complete the application labeled PPO. To view a list of dentists, visit and enter search criteria. Fax completed application to the TargetCW Benefits dept at or by to

2 Policyholder: TARGET CW Voluntary Dental PPO Benefit Summary Effective Date: 07/01/2012 This chart provides you a brief summary of the key benefits of the dental coverage available from Principal Life Insurance Company. Following the chart, you will find additional information to answer questions you may have. For a complete list of all your dental coverage benefits and restrictions, please refer to your booklet or contact your employer. Eligibility Job Class ACTIVE NON CA MBRS Benefits Payable Network Dental Preferred Provider Organization (PPO) Calendar Year Deductible Coinsurance (Policy Pays) In-Network Non-Network In-Network Non-Network Unit 1 Preventive $0 $25 100% 90% Unit 2 Basic $25 $25 80% 80% Unit 3 Major $25 $25 50% 50% Family Deductible Maximum Combined Deductible Combined Maximums Maximum Accumulation 3 times the per person deductible amount In-network deductibles for basic and major procedures are combined. Non-network deductibles for preventive, basic, and major procedures are combined. Maximums for preventive, basic, and major procedures are combined. In-network Calendar year maximums are $1,500 per person. Non-network Calendar year maximums are $1,500 per person. This allows for a portion of unused maximum benefit to carry over to next year's maximum benefit amount. To qualify, you must have had a dental service performed within the Calendar year and used less than the maximum threshold. The threshold is equal to the lesser of 50% of the maximum benefit or $1000. If qualification is met, 50% of the threshold is carried over to next year's maximum benefit. You can accumulate no more than four times the carry over amount. Additional Benefits Unit 4 - Orthodontia Child Lifetime Maximum: In-Network: $1,000 Non-Network: $1,000 Lifetime Deductible Coinsurance (Policy Pays) In-Network Non-Network In-Network Non-Network $0 $0 50% 50% of 4 07/2012

3 VOLUNTARY DENTAL How Are Dental Covered? The list of common procedures shows what unit the procedure is included in and how often they are covered. Unit 1 Preventive Unit 2 Basic Unit 3 Major Unit 4 - Orthodontic Routine exams - one per six months Routine cleaning (prophylaxis) - one per six months (Expectant mothers, diabetics and those with heart disease receive one additional routine or periodontal cleaning within a calendar year.) Emergency exams subject to Routine exam frequency limit Second Opinion Consultation Fluoride one treatment each calendar year (covered only for dependent children under age 16) Space maintainers - covered only for dependent children under age 16; repairs not covered Sealants on first and second permanent molars for dependent children under age 16; one each tooth each 36 months Harmful Habit Appliance - covered only for dependent children under age 16 X-rays - Bitewing (one set every six months), occlusal, periapical X-rays Full mouth survey (one every 36 months), extraoral Periodontal prophylaxis - if three months have elapsed after active surgical periodontal treatment; subject to Routine cleaning frequency limit (Expectant mothers, diabetics and those with heart disease receive one additional routine or periodontal cleaning within a calendar year.) Fillings and stainless steel crowns Composite fillings on molars General Anesthesia/IV Sedation Simple Oral Surgery Complex Oral Surgical Non-surgical Periodontics, including scaling and root planing - once each quadrant each 24 months (For expectant mothers, diabetics and those with heart disease, this procedure is provided with no deductible and 100% coinsurance.) Simple Endodontics (root canal therapy for anterior teeth) Complex Endodontics (root canal therapy for molar teeth) Occlusal Guards one guard per 36 months Periodontal Surgical one each quadrant each 36 months Repairs to Partial Denture, Bridge, Crown, Relines, Rebasing, Tissue Conditioning and Adjustment to Bridge/Denture, within policy limitations Crowns each 60 months per tooth if tooth cannot be restored by a filling. Inlays, Onlays, Cast Post and Core, Core Buildup - each 60 months per tooth Implants each 60 months Bridges - Initial placement / Replacement of bridges 60 months old. Dentures - Initial placement of complete or partial dentures / Replacement of complete or partial dentures over 60 months old X-rays and other diagnostic procedures, fixed and removable appliances There is Coordination of Benefits, which is a procedure for limiting benefits from two or more carriers to 100% of the claimant's covered expenses of 4 07/2012

4 VOLUNTARY DENTAL Understanding Your Dental Benefits Am I Eligible For Coverage? To be eligible for coverage, you must qualify as an eligible member and be considered actively at work. You must be enrolled for dental coverage before it can be offered to your dependents. Eligible dependents include your spouse, qualified domestic partner and children, including those of your qualified domestic partner. Additional eligibility requirements may apply. How Do I Find A Participating Provider? Use the Provider Directory on to locate nearby dentists or see if your dentist participates in your network. 1 Visit 2 Under the Quick Links heading on the left-hand side, click Provider Directory. 3 In the left-hand navigation under Providers/Networks, click Search For A Dental Provider. 4 Begin your search by picking the state where you would like to find a provider. Next, specify a network. Depending on the network chosen, you may be transferred to a partner site. 5 Enter the name of the provider you are looking for (if known). If you are looking for a nearby dentist, enter the city and state and/or ZIP code. Be sure to indicate how far you are willing to travel. 6 Select the desired specialty or use the No Specialty Preference default. Click Continue. You may nominate your dentist for inclusion in our network. Please submit the dentist's name, address, phone and specialty by calling , or submit through What Are The Restrictions Of My Coverage? This Benefit Summary is a summary only. For a complete list of benefit restrictions, please refer to your booklet of 4 07/2012

5 VOLUNTARY DENTAL Limitations & Exclusions Late Entrant Provision Missing Tooth Orthodontia Those members enrolling more than 31 days after becoming eligible will be subject to an individual benefit waiting period, subject to policy guidelines. Benefits for the initial placement of bridges, partials and dentures are not covered if those teeth were missing prior to becoming insured under the Principal Life policy. When the policy replaces coverage under a prior plan, continuous coverage under the prior plan may be applied to the missing tooth provision requirement. If there is orthodontia (ortho) treatment in progress on the coverage effective date and you are covered under any prior group coverage for ortho, there will be immediate coverage for treatment if proof is submitted that shows: 1) The lifetime maximum under any prior group coverage has not been exceeded, 2) Ortho treatment was started and bands or appliances were inserted while insured under any prior group coverage, and 3) Ortho treatment has been continued while insured under this policy. Principal Life will credit payments made by the prior carrier toward the Principal Life lifetime ortho payment limit. You will not be covered if ortho treatment is in progress prior to the effective date with Principal Life and you are not covered under any prior group coverage for ortho. Prevailing Charge Other Limitations When using non-network providers, you pay any amount over the allowable charge. There are additional limitations to your coverage. A complete list is included in your booklet. WE LL GIVE YOU AN EDGE Principal Life Insurance Company, Des Moines, Iowa , This is a summary of dental coverage underwritten by or with adminstrative services provided by Principal Life Insurance Company. This benefit summary is for administrative purposes and is not a complete statement of benefits and restrictions. You ll receive a benefit booklet with details about your coverage. If there is a discrepancy between this summary and your benefit booklet, the benefit booklet prevails. GP / Principal Financial Services, Inc of 4 07/2012

6 110 Mailing Address Des Moines, IA Principal Life Insurance Company Employee Enrollment & Waiver - CA Company name TARGETCW Division level Account number/unit number Employee Information Name Social security number Mailing address (street) Birth date (city) (state) (ZIP code) Do you have an eligible spouse/domestic partner or child? Yes No Date employed full-time Hours worked per week Job occupation/class Location Salary amount Salary mode yearly weekly hourly monthly bi-weekly What is your payroll mode? Employer ZIP monthly semi-monthly weekly bi-weekly Dental POS Elect Decline Choose from one of the following options. Design description: POS - CALIFORNIA MEMBERS Employee: Spouse/Domestic Partner: Child: Employer county Elect Decline Elect Decline Elect Decline PPO Design description: PPO - NON-CALIFORNIA MEMBERS Employee: Spouse/Domestic Partner: Child: Elect Decline Elect Decline Elect Decline In the past 12 months, have you, the applicant, had continuous group orthodontia coverage (for yourself and/or your dependents) with a prior carrier? Yes No GP Page 1 of 2 02/2011

7 Important! If declining any coverage for yourself or any dependent, give reason. Covered under: spouse s or domestic partner s group coverage individual insurance other other coverage offered by my employer 110 Eligible Dependent Information (Complete if you have elected benefits for your spouse/domestic partner or children) Spouse/Domestic partner s name Name(s) of child(ren) Birth date Birth date Social security number Social security number foster child* disabled or handicapped child ** foster child* disabled or handicapped child ** foster child* disabled or handicapped child ** * If you checked foster child, was the child placed with you by an authorized state placement agency or by order of a court? Yes No ** When your child, who is developmentally disabled or physically handicapped, reaches/exceeds the maximum age, an Application to Continue Handicapped Child form must be completed and reviewed to determine eligibility. Is your spouse/domestic partner employed by this company? Yes No Employee Agreement (Read and sign) I understand and agree with the following statements: My dependents are not eligible for coverages I don t have. My dependents, including step and foster children and any over the maximum age, are eligible based on plan provisions but those over the maximum age will be verified when a claim is filed. If I refuse dental coverage, I and my dependents may enroll later but this will affect the level of benefits. If I refuse coverage, I cannot enroll after retirement. If the group policy does not require my contribution, I cannot decline coverage unless the policy indicates otherwise. If the group policy requires my contribution, I authorize my employer to deduct from my pay. I represent all information on this form and attachments is complete and true to the best of my knowledge. They are part of this request for coverage. I agree Principal Life is not liable for a claim before the effective date of coverage and all policy provisions apply. I have read, or had read to me, the information and my answers on this form. During the first two years coverage is in force, fraud or intentional misrepresentations can cause changes in my coverage, including cancellation back to the effective date. Any person who, with intent to defraud or knowing that he or she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement, may be guilty of insurance fraud. Explanation of Benefits reflecting claims payments for myself and my dependents will be sent to my home address. I also understand collection of social security numbers for myself and/or my dependents will be used by Principal Life only as allowed by law. A copy of this form will be as valid as the original. I declare that the information I have completed on this enrollment form is complete and true. I understand an agent or broker cannot guarantee coverage, revise rates, benefits or provisions without written approval from Principal Life. Your signature X Date Signed Instructions After this form is completed and signed, make two copies and send the original to Principal Life Insurance Company: One for the employee One for the employer GP Page 2 of 2 02/2011

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