Dental program utilizing the                          Aetna Dental Access^TM network.

Recent research has shown that a healthy mouth is crucial to your well-being.  Now you can safeguard your family's teeth and gums with regular checkups and state-of-the-art dental procedures at preferred rates.

As a member of the program, you and your family have access to a national network of over 65,000* available dental practice locations to choose from nationwide. Participating dental locations provide savings on average of 30%** and may range up to fifty percent (50%) *** on some dental services, including cleaning, x-rays, fillings, root canals, crowns, bridges and orthodontia.

*According to the Aetna Enterprise Provider Database as of December 1, 2005.

**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 geographic area.

The program is NOT INSURANCE. It is a member reduced-fee-for-service program that is designed to save you money on most of your family's dental needs. Your final cost will depend upon the type of dental work performed, as well as your geographic location.

Important: You must pay the reduced cost for the dental work performed at the time service is rendered unless other arrangements are made with the dentist’s office. There are no out of network benefits or benefits payable in this program. The Aetna Dental Access^TM discounts cannot be combined with any other discount dental program.

How to Use this Service: To access the dental network: call the toll-free number indicated on your membership card. For your convenience, member services is available 24 hours a day, 7 days a week, excluding holidays. The service representative will request your name, group number, membership number and zip code. Once your information is confirmed, you will be provided with the names and telephone numbers of participating dentists in your community. Please make sure to identify yourself as an Aetna Dental Access^TM member when making an appointment with a participating dentist. Remember: UCA is the name on your card, but the dentist will recognize Aetna Dental Access ^TM network not UCA.

If you are currently working with a dentist who does not participate in this program, you may ask the dentist to contact us at the toll-free number listed on your membership ID card. A provider application will be sent to the dentist promptly. Unfortunately, we cannot guarantee acceptance by either the Aetna Dental Access^TM network or the dentist.

Remember, since you and your family members are eligible to receive these discounts throughout your membership, the more you use the dental services, the more you save.

The Aetna Dental Access^TM network provides enrollees with access to a network of independent practicing providers. All network providers are independent contractors in private practice and are neither employees nor agents of Aetna Life Insurance Company and/or its parents, subsidiaries or affiliates (“Aetna”). The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change. Aetna does not provide medical or dental care/treatment and is not responsible for outcomes. All dental care is the responsibility of the treating provider, in consultation with the enrollee.

Selection of a dentist is also the responsibility of the enrollee and is not based on any representations by Aetna.

There are no benefits payable to enrollees, nor does Aetna compensate dentists for services they may render to enrollees. Aetna is not an insurer, guarantor or underwriter of any services provided under the program or of any payments to providers. Enrollees arrange for needed dental care, including payment, directly with the network provider. Enrollees are responsible for the entire cost of the dental care and Aetna shall in no event be liable for any payment to a provider accessed under the program or for the refusal of a provider to accept the discounted rates. Aetna Dental Access^TM is a service mark of Aetna Inc. The Aetna Dental Access^TM program network is provided by Aetna Life Insurance Company.

Note: The Dental Program is NOT insurance. It is a member reduced-fee-for-service program that provides discounts at certain providers. In order to receive the special pricing, you must pay in full at the time of service and verify that the provider is an active participant of The Aetna Dental Access^TM network.

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