Individual Dental Policy BlueCross Dental SM Healthy Dental Select LIMITED BENEFIT POLICY: THIS POLICY PROVIDES FOR CERTAIN DENTAL SERVICES.

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1 Issued By CAPITAL ADVANTAGE ASSURANCE COMPANY Harrisburg, PA A Capital BlueCross company and independent licensee of the BlueCross and BlueShield Association Individual Dental Policy BlueCross Dental SM Healthy Dental Select LIMITED BENEFIT POLICY: THIS POLICY PROVIDES FOR CERTAIN DENTAL SERVICES. Important Notice This policy does not participate in any divisible surplus of premiums. This policy is guaranteed renewable subject to timely payment of premiums. Premiums are subject to change on a uniform basis for all members covered under this policy form. NOTICE OF SUBSCRIBER S RIGHT TO EXAMINE POLICY FOR THIRTY DAYS: If for any reason subscriber is not satisfied with this policy, he/she may return the policy to the Plan within 30 days of receipt of policy, and the premiums paid will be promptly refunded to the subscriber. BlueCross Dental is issued by Capital Advantage Assurance Company a subsidiary of Capital BlueCross and independent licensee of the BlueCross BlueShield Association. Communications issued by Capital BlueCross in its capacity as administrator of programs and provider relations for all companies. DESCRIPTION OF COVERAGE: This Limited Benefit Policy sets forth dental and oral health benefits coverage for Subscribers and their eligible Dependents. Benefits are subject to Copayments and an annual calendar-year Out-of-Pocket Maximum. This Individual Dental Policy requires the selection of a primary care dentist ( PCD ) from Capital Advantage Assurance Company s dental HMO network; the PCD provides routine care and arranges or provides most other medically necessary services as described in the policy. Except for emergency services, benefits are covered only when provided or referred by the member s PCD. Capital Advantage Assurance Company (hereinafter referred to as "Plan") certifies that the Subscriber is covered under and subject to all the provisions, definitions, limitations and conditions of this Individual Dental Policy for the benefits approved herein, and is eligible for benefits stated in the attachments hereto (Description of Benefits and Member Copayments) as of the date in the letter accompanying the Membership Identification Card or renewal notice. The address of the principal administrative office of Plan is: BlueCross Dental Processing Center, 115 S. Union Street, Suite 300, Alexandria, Virginia The telephone number is (800) Part I. DEFINITIONS A. Copayment shall mean the dollar amount listed in the attached Description of Benefits and Member Copayments that the Subscriber is required to pay when a service is rendered. B. Dependent shall mean lawful spouse of Subscriber and/or unmarried natural, step or adopted children, or children under the Subscriber's legal guardianship, from and after birth up to his/her 26 th birthday. Dependent coverage may include a Domestic Partner of Subscriber and/or children of a Domestic Partner. A newborn child is covered from the moment of birth. A notice of birth together with any additional Premiums must be submitted to the Plan within 31 days after the date of birth to continue coverage beyond the 31-day period. When a child has been placed with a Subscriber for the purpose of adoption, that child is eligible for Dependent coverage from the date of such adoptive or parental placement. However, application for coverage must be submitted within 31 days from date of eligibility, along with proof that the adoption is pending. If a newborn infant is placed for adoption with Subscriber within 31 days of birth, such child shall be considered a newborn child of the Subscriber to the same extent as if that child had been a newborn natural child of the Subscriber. Upon the attainment of limiting age, coverage as a Dependent shall be extended if the child is and continues to be both (1) incapable of self-sustaining employment by reason of mental or physical incapacity and (2) chiefly dependent upon the Subscriber for support and maintenance, provided proof of such incapacity and dependency is furnished to Plan by Subscriber within 31 days of the child's attainment of limiting age and subsequently as may be required by the Plan, but not more than annually after the two-year period following the child's attainment of limiting age. Coverage as a Dependent may also be extended if Dependent is covered under their parent s policy and is called to active duty as a member of the armed forces. The period of the extended coverage will begin upon the Dependent s return from active duty and shall equal the term of the Dependent s active duty. C. Domestic Partner shall mean a person who is at least 18 years old, is not related to Subscriber by blood or marriage within four degrees of consanguinity under civil law rule, is not married or in a civil union or domestic partnership with another individual, has been financially interdependent with Subscriber for at least 6 consecutive months prior to enrollment in Plan in which each individual contributes to the other individual s maintenance and support with the intention of remaining in the relationship indefinitely, and shares a primary residence with Subscriber. Subscriber must sign an Affidavit of Domestic Partnership form provided by the Plan. D. Health Care Exchange shall mean the Federal Health Benefit Exchange(s), operated within Pennsylvania, which allows individuals and small groups to compare and purchase affordable health and dental plans and determine if they are eligible for federal subsidies. E. Medically Necessary Orthodontia. an orthodontic procedure for Members with fully erupted set of teeth, that occurs as a part of an orthodontic treatment plan, as approved by the Plan, that is intended to treat a severe dentofacial abnormality that severely compromises the Member s physical health or is a serious handicapping malocclusion, and orthodontic treatment is determined to be the only method capable of: preventing irreversible damage to the Member s teeth or their supporting structures restoring the Member s oral structure to health and functiondentofacial abnormalities that severely compromise the Member s physical health may be manifested by: BCD16D-C-IFAM 1 Internal Control Number

2 Markedly protruding upper jaw and teeth, protruding lower jaw and teeth, or the protrusion of upper and lower teeth so that the lips cannot be brought together. Under-developed lower jaw and receding chin. Marked asymmetry of lower face. Presence of a serious handicapping malocclusion is determined by the magnitude of the following variables: degree of malalignment, missing teeth, angle classification, overjet and overbite, open bite, and crossbite. A handicapping malocclusion is a condition that constitutes a hazard to the maintenance of oral health and interferes with the well-being of the recipient by causing: Obvious difficulty in eating because of the malocclusion, so as to require a liquid or semisoft diet, cause pain in jaw points during eating, or extreme grimacing or excessive motions of the orofacial muscles during eating because of necessary compensation for anatomic deviations. Obvious severe breathing difficulties related to the malocclusion, such as unusually long lower face with downward rotation of the mandible in which lips cannot be brought together, or chronic mouth breathing and postural abnormalities relating to breathing difficulties. Lisping or other speech articulation errors that are directly related to orofacial abnormalities and cannot be corrected by means other than orthodontic intervention. F. Member shall mean any individual Subscriber or eligible and enrolled Dependent entitled to receive services by reason of this Policy. G. Non-Participating Dentist shall mean a licensed dentist that is not a member of the network of Participating Dentists. H. Out-of-Pocket Maximum shall mean the greatest amount Subscriber will be required to pay during the calendar year for medically necessary Pediatric Services. Premium does not contribute to the Out-of-Pocket Maximum. I. Participating Dentist shall mean an independent dentist who is properly licensed and has an agreement with the Plan, or its designee, to provide dental services for Members of the Plan. Participating Dentists are not employees of, nor supervised by the Plan. J. Pediatric Services shall mean services covered under this Individual Dental Policy for Dependents under the age of 19. K. Plan Specialist shall mean an independent licensed specialist who is a Participating Dentist and who has an agreement with the Plan to provide dental services for members of the Plan that are of such a degree of complexity as to not be normally performed by a Participating Dentist who is not such a specialist. Plan Specialists are not employees of, nor supervised by the Plan. L. Policy Renewal Date shall mean January 1 st of each calendar year. M. Premiums shall mean amounts payable on a regular prepayment basis by or for the Subscriber to the Plan. N. Subscriber shall mean an individual who has paid the Premiums for services of the Plan prior to the effective date, including payments for Dependents as hereinbefore defined. O. Usual, Customary, and Reasonable Fees shall mean those fees that the Participating Dentist usually charges its patients for dental services when a person is not affiliated with any dental program. Part II. EFFECTIVE DATE OF BENEFITS For Dependents under the age of 19, a Subscriber has a 60 day special enrollment period to select a qualified health or dental plan and/or change enrollment from one qualified health or dental plan to another from the date of a triggering event, as defined under 45 CFR (d), in which a qualified individual gains a Dependent or becomes a Dependent through marriage, birth, adoption or placement for adoption. An Indian, as defined by section 4 of the Indian Health Care Improvement Act, in addition to the 60 day special enrollment period, may change from one qualified health or dental plan to another one time per month. All persons who have enrolled in the Plan and paid the appropriate Premiums to the Plan shall be eligible for coverage on the date determined by the Health Care Exchange or, if purchased outside of the Health Care Exchange, on the date determined by Plan. Subscriber and enrolled Dependents become eligible for services on the effective date indicated in the letter accompanying the Membership Identification Card or renewal notice.. Part III. TERMINATION OR CANCELLATION Benefits continue for one (1) month from the effective date of this contract and continue from month-to-month thereafter until discontinued, terminated, or voided as provided in this provision. Benefits shall cease upon the earliest of the following events: A. On the last day of the grace period. If payment is not made in full on or prior to the date due, as specified in Part IV, a grace period of 31 days from the due date shall be granted to the Subscriber for the payment of Premiums falling due after the first payment. For individuals who have purchased this Limited benefit Policy on a Health Care Exchange and who are receiving advance payments of the premium tax credit as determined under the Health Care Exchange, a 3-month grace period will be provided with the last date of coverage being on the last day of the first month of the 3- month grace period. During the grace period, Plan shall pay all appropriate claims for services rendered to the Member during the first month of the grace period and may pend claims for services rendered to the Member in the second and third months of the grace period. The Contract shall remain in full force and effect during the grace period. B. Upon the date of Dependents attaining the age of 26 years or marriage prior to that date (subject to Part I-B). See Part XIV. The termination date will be the last day of the month following the month in which notice of ineligibility is sent to the Subscriber by the Plan. C. Upon Member performing an act, practice or omission that constitutes fraud, or intentional misrepresentation of material fact as defined in 45 CFR , coverage will be rescinded 30 days after written notice is mailed to the Subscriber. The rescission will only extend back to the date on which fraud or intentional misrepresentation of material fact occurred. D. Upon cancellation of contract by the Member or Member s Personal Representative. The Member or Member s Personal Representative may cancel this contract on the last day of the calendar month by giving written notice to Capital at least thirtyone (31) days in advance. Subscriber will be sent written notice 30 days in advance of a termination. Upon termination of coverage, an extension of benefits shall be provided for any treatment in progress at the time of termination, provided the treatment requires two or more visits on separate days to the dentist's office. Extension of benefits will be limited to 90 days for all care other than orthodontics, and 60 days for orthodontics if the orthodontist has agreed to or is receiving monthly payments when coverage terminates, or to the end of the quarter in progress or 60 days, whichever is longer, if the orthodontist is receiving quarterly payments. An extension of benefits will not be provided if termination was due to a failure of the Subscriber to pay the Premiums or fraud or material misrepresentation by the Subscriber or Member. Part IV. PREMIUMS AND MEMBER COPAYMENTS Premiums are payable on a monthly or annual basis each month or year that this Contract is in effect. Premiums must be received by the administrative office of the Plan no later than the first day on which the coverage period begins. Premiums may also be paid within the grace period for each coverage period after the first. BCD16D-C-IFAM 2

3 Member Copayments (as listed in the attached Description of Benefits and Member Copayments) are payable to the Participating Dentist at the time services are rendered. Member Copayments contribute to the Out-of-Pocket Maximum. After the 30-day review period (see cover page), refunds are available only to Subscribers who have paid their Premiums in one annual installment. Annual Subscribers who voluntarily terminate enrollment in the Plan may receive a prorated refund on a monthly basis if no services have been rendered during the current Plan year. Part V. BENEFITS AND COVERAGES All dental procedures listed under the attached Description of Benefits and Member Copayments will be provided if they are necessary for the patient's dental health. However, Medically Necessary Orthodontia must be pre-authorized by the Plan. The fees charged will be the fee listed under Member Copayments for each procedure completed. If conflict arises regarding the quality, cost or extent of work performed pursuant to this Limited benefit Policy plan, the case in question will be resolved pursuant to the Complaint or Quality Assurance Procedures established by the Plan. PARTICIPATING REFERRAL: Referrals to a Plan Specialist must be made by the Member's Participating Dentist, except in the case of orthodontics. NON-PARTICIPATING REFERRAL: If a Participating Dentist refers the Member to a nonparticipating specialist for dental services, which are covered under this agreement, the Plan shall be responsible for payment of the specialist's charges to the extent the charges exceed the copayments specified in the Description of Benefits and Member Copayments. If during the term of this Contract none of the Participating Dentists can render necessary care and treatment to the Member due to circumstances not reasonably within the control of the Plan, such as complete or partial destruction of facilities, war, riot, civil insurrection, labor disputes, or the disability of a significant number of the plan dentists, then the Member may seek treatment from an independent licensed dentist of his own choosing. The Plan will pay the Subscriber for the expenses incurred for the dental services with the following limitations: The Plan will pay the Subscriber for services which are listed in the Description of Benefits and Member Copayments as 'No Charge', to the extent that such fees are reasonable and customary for dentists in the same geographic area; the Plan will also pay the Subscriber the Plan s portion for those services for which there is a copayment, to the extent that the reasonable and customary fees for such services exceed the copayment for such services as set forth in the Description of Benefits and Member Copayments. The Subscriber may be required to give written proof of loss within ninety (90) days of treatment. The Plan agrees to be subject to the jurisdiction of the Pennsylvania Insurance Commissioner in any determination of the impossibility of providing services by plan dentists. PRE-AUTHORIZATION OF BENEFITS (INCLUDING MEDICALLY NECESSARY ORTHODONTIA): The Plan requires the treating orthodontist submit a treatment plan prior to initiating services for medically necessary orthodontia The Plan may require treating dentist to submit a treatment plan prior to initiating services for Pediatric Services. The Plan strongly advises the same to apply to non-pediatric Services, but it is not required. The Plan may request x-rays or other dental records, prior to issuing the pre-authorization. The proposed services will be reviewed and a pre-authorization will be issued to the Subscriber or treating dentist (or orthodontist), specifying coverage. The pre-authorization is not a guarantee of coverage and is considered valid for 180 days. ALTERNATE BENEFIT: If: 1) Plan determines that a less expensive alternate treatment procedure, service, or course of treatment can be performed in place of the proposed treatment to correct a dental condition; and 2) the alternate treatment will produce a professionally satisfactory result; then the maximum the Plan will allow will be the charge for the less expensive treatment. COORDINATION OF BENEFITS: All Benefits covered under this Contract are subject to coordination. The following definitions apply only to this Coordination of Benefits section: A. Plan shall mean coverage providing hospital, medical or dental benefits or services by: i) group or blanket insurance coverage except school accident coverage; ii) group Blue Cross and Blue Shield, group practice or other pre-payment coverage on a group basis; iii) labor-management trusteed plans, union welfare plans, employer organization plans or employee benefit plans; or iv) individual coverage. Plan will be construed separately for a policy, contract, or other arrangement for benefits or services that reserves the right to take the benefits or services of their Plans into consideration in determining its benefits, or separately for that portion which does not reserve the right. B. Eligible Expenses shall mean any necessary, reasonable and customary item of expense all or part of which is covered under one of the Plans. When a Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of each service rendered will be considered to be both an Eligible Expense and a benefit paid. C. Claim Period shall mean a calendar year or portion of a calendar year for a claim on a Member covered under this Plan. If Member is also covered under one or more other Plans, the Benefits under this Individual Dental Policy (also referred to as this Plan ) will be coordinated with benefits payable under all other Plans. In the event of coordination between medical insurance coverage and this Plan, medical will always be considered the primary insurance and this Plan secondary insurance. The coordination will apply in determining the benefits payable for any Claim Period if the sum of: i) the benefits that would be payable under this Plan in absence of the coordination; and ii) the benefits that would be payable under all other Plans without provisions for coordination in those Plans, would exceed Eligible Expenses. When this Plan pays second according to the rules of the following paragraph, Coordination of Benefits applied to the benefits payable for any Claim Period, the benefits that would be payable for Eligible Expenses under this Plan in the absence of Coordination of Benefits will be reduced to the extent necessary so that the sum of those reduced benefits and all the benefits payable for those Eligible Expenses under all other Plans will not exceed the total of those Eligible Expenses. Benefits payable under all other Plans include the benefits that would have been payable had a claim been properly made for them. The rules establishing the order of benefit determination are: 1. The benefits of a Plan covering a person for whom claim is made other than as a dependent will be determined before the benefits of a Plan covering such person as a dependent, except in the case of Medicare beneficiaries in which Medicare is secondary to the Plan covering the person as a dependent; and primary to the Plan covering the person as other than a dependent (retired employee). 2. Except as stated in (3) below, when this Plan and another Plan cover the same child as a dependent of different persons, called "parents": a. the benefits of the Plan of the parent whose birthday falls earlier in a year are determined before those of the Plan of the parent whose birthday falls later in that year; but BCD16D-C-IFAM 3

4 b. if both parents have the same birthday, the benefits of the Plan covering the parent longer are determined before benefits of the Plan covering the other parent for the shorter period of time. However, if the other Plan does not have the rule described in (a) above, but instead uses a different method, and if, as a result, the Plans do not agree on the order of benefits, the rule in the other Plan will determine the order of benefits. 3. If two or more Plans cover a person as a dependent child of divorced or separated parents or parents who are not living together, whether or not they have ever been married, benefits for such child are determined in this order: a. first, the Plan of the parent with custody of the child; b. then, the Plan of the spouse of the parent with custody of the child; c. then, the Plan of the parent not having custody of the child; and d. finally, the Plan of the spouse of the parent not having custody of the child. However, (i) if the specific terms of a court decree state that one of the parents is responsible for the health care expenses of the child, and the entity obligated to pay or provide the benefits of the Plan of such parent has actual knowledge of those terms, the benefits of that Plan are determined first. This does not apply with respect to any Claim Period or Plan Year during which any benefits are actually paid or provided before the entity has that actual knowledge; or (ii) if the court decree states that both parents are responsible for the child s health care expenses or health care coverage, the provisions of (i) above shall determine the order of benefits; or (iii) if a court decree states that the parents have joint custody without specifying that one parent has responsibility for the health care expenses or health care coverage of the dependent child, the provisions of (i) above shall determine the order of benefits. 4. The benefits of a Plan covering a person as an employee who is neither laid-off nor retired (or as that employee's dependent) are determined before those of a Plan which covers that person as a laid-off or retired employee (or as the employee's dependent). If the other Plan does not have this rule, and if, as a result, the Plans do not agree on the order of benefits, this rule (4) is ignored. 5. If a person whose coverage is provided pursuant to COBRA or under a right of continuation pursuant to state or other federal law is covered under another Plan, the Plan covering the person as an employee, member, subscriber or retiree or covering the person as a dependent of an employee, member, subscriber or retiree is the primary plan and the Plan covering that same person pursuant to COBRA or under a right of continuation pursuant to state or other federal law is the secondary plan. If the other Plan does not have this rule, and if, as a result, the Plans do not agree on the order of benefits, this rule (5) is ignored. 6. If none of the above rules determines the order of benefits, the benefits of a Plan which has covered the person for whom claim is made for the longer period of time will be determined before the benefits of a Plan covering the person the shorter period of time. If this Plan is responsible for secondary coverage for Eligible Expenses, this Plan will not deny coverage or payment of the amount it owes as secondary payer solely on the basis of the failure of another contract, which is responsible as the primary payer, to pay for such Eligible Expenses. This Plan will not be required to pay the obligations of the primary payer. For the purposes of administering the above provisions of this Contract or any similar provisions of other Plans, this Plan may, without consent or notice to any person, release to or obtain from any other insurance company, organizations or person, any information concerning any individual which is considered necessary. Any person claiming Benefit will furnish the Plan with any information necessary. Whenever payments which should have been made under this Contract in accordance with the above provisions have been made under any other Plans, this Plan has the right, at its sole discretion, to pay any organizations making these payments any amount this Plan determines to be due. Amounts paid in this manner will be considered to be Benefits paid under this Contract and, to the extent of these payments, Plan will be fully discharged from liability under this Contract. Whenever payments have been made by this Plan, for Eligible Expenses in a total amount in excess of the maximum amount of payment necessary to satisfy the intent of the above provisions, this Plan will have the right to recover the excess from one or more of the following: (i) other insurance companies; (ii) other organizations; or (iii) persons to or for whom payments were made. Part VI. DENTAL RECORDS The dental records of all Members concerning services performed hereunder shall remain the property of the treating dentist. Information related to the number, cost and delivery of services provided under the Plan to Members may be made available to the Plan by dentists for purposes of review, investigation or evaluation of care. Part VII. CHANGE IN SERVICE Plan reserves the right to change the Premiums and/or Plan benefits on a uniform basis for all Subscribers covered under this Plan after completion of the term of the Contract. No change will be made without giving the Subscriber thirty (30) days prior written notice and without approval by the Pennsylvania Insurance Department. Part VIII. EMERGENCY SERVICES When a Member is more than 50 miles from their home, they may have emergency services rendered by any licensed dentist. Emergency services is defined as palliative care of injury, toothache, or accident requiring the immediate attention of a dentist or hospital/ambulatory surgical care center. The Plan shall be responsible for payment of the nonparticipating dentist s charges to the extent the charges exceed the amounts listed under Member Copayments. Services are limited to covered procedures not excluded under Plan Limitations and Exclusions. The Plan must be notified of such treatment within five (5) days of the Member s return to their area. Proof of loss must be submitted to the Plan within ninety (90) days of treatment. Proof of loss should be mailed to: BlueCross Dental, 115 S. Union Street, Suite 300, Alexandria, Virginia 22314, ATTN: Accounting Dept. When a Member has a dental emergency and is not more than 50 miles from their Participating Dentist, but is unable to make arrangements to receive care through their Participating Dentist, treatment must be preauthorized by contacting Plan Member Services at (800) Part IX. CLAIMS PAYMENT OF CLAIMS: Benefits for losses are paid to the Subscriber. However, the Plan has the right to pay all or part of the benefits due to the treating dentist. This is true whether or not the Member is alive. If the Member has died and the Plan does not pay accrued benefits to the treating dentist, benefits will be paid to the Member's estate. CLAIM FORMS: If Plan receives a notice of claim, it will provide claim forms for filing proof of loss. If such forms are not sent by the Plan to the Member within 15 days after notice of claim is received, the claimant will be deemed to have complied with the requirements of this Contract as to proof of loss. Notice of such a claim should be sent to BlueCross Dental, P.O. Box 1126, Elk Grove Village, IL NOTICE OF CLAIM/PROOF OF LOSS: Plan must receive written proof of loss within 180 days of treatment. Failure to provide proof of loss within the time required does not invalidate or reduce a claim if it was not reasonably possible to submit the proof within the required time. If the proof is furnished as soon as reasonably possible and, except in the absence of legal capacity of the claimant, not later than BCD16D-C-IFAM 4

5 one year from the time proof is otherwise required. Proof of loss should be sent to BlueCross Dental, P.O. Box 1126, Elk Grove Village, IL TIME OF PAYMENT OF CLAIM: Benefits payable under this Contract for any loss will be paid immediately or within the time required by state regulations. If Plan fails to pay claim within the time required by state regulations, it will pay interest from the date on which payment is required to the date the claim is paid. LEGAL ACTIONS: No action at law or in equity shall be brought to recover on this Contract prior to the expiration of 60 days after written proof of loss has been furnished in accordance with this Contract. No such action will be brought after the expiration of three years after written proof of loss is required to be furnished. Part X. INCONTESTABILITY CLAUSE In the absence of fraud, all statements made by a Subscriber shall be considered representations and not warranties and no statement shall be the basis for voiding coverage or denying a claim after the Contract has been in force for two years from its effective date. During the two year period, contests by the Plan are limited to material misstatements made in a written application. This policy does not exclude pre-existing conditions. Part XIV. GUARANTEED RENEWABILITY This individual policy may be renewed at the discretion of the Subscriber subject to Part III and IV. A Dependent who is no longer eligible for Dependent coverage may enroll under their own separate policy. ATTACHMENTS: Description of Benefits and Member Copayments for Pediatric Services Description of Benefits and Member Copayments for Adult Services Membership Identification Card Outline of Coverage Notice of Privacy Practices/GLBA These attachments contain other terms, including important exclusions and limitations. Subscribers may request additional copies by contacting Member Services at (800) Part XI. HOW TO RECEIVE BENEFITS In order to make an appointment, Members must contact their selected dental office. The first appointment scheduled will usually be for the purpose of taking a complete set of full mouth X-rays, an examination, developing a treatment plan, and providing an estimate of the cost of needed work. Members must pay the fees listed for each covered procedure performed on the Description of Benefits and Member Copayments. These fees are paid directly to the Participating Dentist who renders treatment. In the event the Participating General Dentist determines specialty care is necessary, the Participating General Dentist will provide a referral to a Plan Specialist (if available). The Participating Dentist may also refer the Member to a non-participating specialist as set forth in Part V. A Member may transfer to another dental office by contacting Plan Member Services and requesting a transfer. The transfer will be approved provided there are no outstanding balances with the current Participating Dentist. Part XII. COMPLAINTS AND GRIEVANCES Complaints should be initially brought to the attention of the Member's Participating Dentist. If the issue is not resolved to the Member's satisfaction, it may be sent in writing to Member Services, BlueCross Dental, 115 S. Union Street, Suite 300, Alexandria, Virginia Member Services will respond to the grievance within fifteen (15) working days. Most complaints can be resolved over the telephone. In such instances, Member should phone (800) If the complaint cannot be satisfactorily resolved, the Member may have the matter resolved pursuant to the Complaint and Quality Assurance Procedures established by the Plan. A copy of these procedures will be provided at the Member's request. Part XIII. ENTIRE CONTRACT The Enrollment Application, Description of Benefits and Member Copayments for Pediatric Services, Description of Benefits and Member Copayments for Adult Services and this Individual Dental Policy constitute the entire Contract between the parties. No portion of the charter, bylaws, or other corporate documents of Capital Advantage Assurance Company will constitute part of the Contract. No change in this Contract shall be valid until approved by an executive officer of the Plan and unless such approval is endorsed hereon or attached hereto. No agent has authority to change this Contract or to waive any of its provisions. BCD16D-C-IFAM 5