Page 4 Frequently Asked Questions When can I enroll? You can enroll when you are initially eligible for benefits and during any subsequent annual enrollment period defined by your employer or if there is a life status change, such as involuntary termination under another policy. Are my dependents eligible for coverage? Your spouse or domestic partner, and your dependent children up to the end of the month they reach age 26 are eligible. Who is eligible for Orthodontic Services? Covered members to age 19 How does a PPO Work? PPO stands for Preferred Provider Organization. PPOs help you save money because in- network dentists - dentists who are contracted by our leased networks - agree to charge the plan’s lower rates. How do I find an in-network provider? To find a provider near you, please visit www.equitable.com/finddentist Can I see a provider outside of the network? Yes, you can see a provider outside of the network, but your out-of-pocket cost will likely be higher as out-of-network providers have not agreed to discounted rates on their services. How do I learn more about my benefits? Go to www.equitable.com/employeebenefits and log on to EB360® to view your account details. If I have additional questions, who can I talk to? Please don’t hesitate to contact us at 1-866-274-9887. Do I need a dental ID card in order to receive benefits? ID cards are not needed in order to receive treatment from a dentist, but can help to simplify your office experience so we encourage that they are printed and brought with you to your dental visit. ID cards can be printed from www.equitable.com/employeebenefits . Is there a late entrant penalty? A late entrant waiting period of 12 months is applicable for all but Preventive services if you do not enroll within your enrollment eligibility period. Am I required to have a pre-treatment estimate submitted in order to be eligible for coverage? No, a pre-treatment estimate is not required in order to receive benefits for covered services, but it will allow you to know what your out-of-pocket expenses are prior to services being performed. We recommend that a pre-treatment estimate be submitted for all anticipated work that you consider to be expensive. A pre-treatment estimate is not a pre- authorization or guarantee of payment or eligibility; rather it is an indication of the estimated benefits available if the described procedures are performed based on eligible services and subject to benefits availability at the time that the pre-treatment is processed.