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Using the Aetna Dental Access^SM network

This program allows you access to the Aetna Dental Access^SM network. It is a discount plan that can save you money on most of your dental needs. The final cost of treatment will depend upon the type of dental work performed as well as your geographic location. THIS DISCOUNT PROGRAM IS NOT INSURANCE.

How to Use This Plan

You can visit any participating dentist as often as you like and enjoy dental savings that average 15%* and may range up to 50%** for some services. The plan provides for almost all forms of required dentistry including: routine check-ups, cleanings, fillings, crowns, orthodontics and more. Savings are calculated instantly! There are no limits on how often you and your family can use your card to receive services.

The Aetna Dental Access^SM network has over 65,000*** available dental practice locations to choose from nationwide. Each dentist is credentialed and re-credentialed on an ongoing basis. Because Aetna has such a large network of participating dentists, chances are you'll be able to find a dentist who participates in the program no matter where you work or live in the United States. To search for a provider, click HERE. Present your plan card to a participating dentist and ask him/her to provide you with the discount applicable to the Aetna Dental Access dental network indicated on the card.

* Anticipated national average dental charges for the 2005 calendar year based on the comparison of provider-negotiated fees to national average charges. Actual discounts will vary based on locations and services provided.
** Actual costs and savings vary by provider and geographic area.
*** According to the Aetna Enterprise Provider Database as of May 1, 2005.

Sample Discounted Fees and Savings
Procedure Description	Select Regional Average Cost*	Average Cost with Aetna Dental AccessSM**	Total Savings
Adult Cleaning	$84	$54	36%
Child Cleaning	$61	$38	38%
Routine Checkup	$40	$28	30%
Four Bitewing X-Rays	$52	$32	38%
Composite (White) Filling	$136	$78	43%
Crown (porcelain fused to noble metal)	$878	$604	31%
Complete Upper Denture	$1,003	$780	22%
Molar Root Canal	$855	$474	45%
Extraction (single tooth)	$126	$72	43%
Comprehensive Ortho Treatment- Adolescent	$4,848	$4,090	15%
*The select regional average fee represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the Estimate the Cost of Care tool as of November, 2005  ** Aetna Dental AccessSM discounted fee is the average of the above referenced cities' negotiated fee for the same procedure.  This is NOT Insurance.

Disclaimer: Please note that this is not health insurance and we do not make payments directly to medical services providers. It is a discount program, and you are obligated to pay for all health care services. You will receive discounts for medical services at certain health care providers who have contracted with the plan. This plan is administered by AccessOne Consumer Health, Inc., 84 Villa Rd., Greenville, S.C. 29615.

The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered.

If the Participant or the provider has a complaint regarding the program then he or she may go to www.accessonedmpo.com or write to Access One Consumer Health Inc. at the above address. This complaint will be addressed and the Participant will receive a response within 15 days of receipt of the complaint by the DMPO.

Note to Utah residents: this contract is not protected by the Utah Life and Health Guaranty Association.

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