GCERT2010-DHMO-SOB exclusions Customer Service (800) 880-1800 Page 15 of 16 SGM_SOB_SGX_100-CA (01/24) Fs/f Dental benefits: Exclusions 1. Any procedures not specifically listed as a covered benefit in this Plan’s Schedule of Benefits are not covered. 2. Services performed by any dentist not contracted with SafeGuard, without prior approval by SafeGuard (except out-of-area emergency services). This includes services performed by a general dentist or specialty care dentist. 3. Dental procedures started prior to the member’s eligibility under this Plan or started after the member’s termination from the Plan. Examples include: teeth prepared for crowns, root canals in progress, full or partial dentures for which an impression has been taken. 4. Any dental services, or appliances, which are determined to be not reasonable and/or necessary for maintaining or improving the member’s dental health, as determined by the SafeGuard selected general dentist. 5. Orthognathic surgery. 6. Inpatient/outpatient hospital charges of any kind including dentist and/or physician charges, prescriptions or medications. 7. Replacement of dentures, crowns, appliances or bridgework that have been lost, stolen or damaged due to abuse, misuse, or neglect. 8. Treatment of malignancies, cysts, or neoplasms, unless specifically listed as a covered benefit on this Plan’s Schedule of Benefits. Any services related to pathology laboratory fees. 9. Procedures, appliances, or restorations whose primary main purpose is to change the vertical dimension of occlusion, correct congenital, developmental, or medically induced dental disorders including, but not limited to treatment of myofunctional, myoskeletal, or temporomandibular joint disorders unless otherwise specifically listed as a covered benefit on this Plan’s Schedule of Benefits. 10. Dental implants and services associated with the placement of implants, prosthodontic restoration of dental implants, and specialized implant maintenance services. 11. Dental services provided for or paid by a federal or state government agency or authority, political subdivision, or other public program other than Medicaid or Medicare. 12. Dental services required while serving in the Armed Forces of any country or international authority. 13. Dental services considered experimental in nature. 14. Any dental procedure or treatment unable to be performed in the dental office due to the general health or physical limitations of the member. Orthodontic Exclusions & Limitations If you require the services of an orthodontist, a referral must first be obtained. If a referral is not obtained prior to the commencement of orthodontic treatment, the member will be responsible for all costs associated with any orthodontic treatment. If you terminate coverage from the SafeGuard Plan after the start of orthodontic treatment, you will be responsible for any additional charges incurred for the remaining orthodontic treatment. 1. Orthodontic treatment must be provided by a SafeGuard selected general dentist or SafeGuard contracted orthodontist in order for the co-payments listed in this Plan’s Schedule of Benefits to apply. 2. Plan benefits shall cover twenty-four (24) months of usual and customary orthodontic treatment and an additional twenty-four (24) months of retention. Treatment extending beyond such time periods will be subject to a charge of $25 per visit. 3. The following are not included as orthodontic benefits: A. Repair or replacement of lost or broken appliances; B. Retreatment of orthodontic cases; C. Treatment involving: i. Maxillo-facial surgery, myofunctional therapy, cleft palate, micrognathia, macroglossia; ii. Hormonal imbalances or other factors affecting growth or developmental abnormalities; iii. Treatment related to temporomandibular joint disorders; iv. Composite or ceramic brackets, lingual adaptation of orthodontic bands and other specialized or cosmetic alternatives to standard fixed and removable orthodontic appliances. 4. The retention phase of treatment shall include the construction, placement, and adjustment of retainers. 5. Active orthodontic treatment in progress on your effective date of coverage is not covered. Active orthodontic treatment means tooth movement has begun.

Schedule of Benefits for Direct Referral Dental Plan - Page 15 Schedule of Benefits for Direct Referral Dental Plan Page 14 Page 16