Since 1999, the Dental Service Center has offered the Member Select Dental and Vision Care plans - plans designed for employed and retired credit union members who do not have access to employer group plans.

Your spouse and dependent children up to age 26 are also eligible for dental coverage under these programs.

• Minimize out-of-pocket expenses with theCIGNA Dental HMO, a managed care dental program

• No deductible, no maximums, and no claim forms to file.

• No charge for most diagnostic and preventative services.

• For other services, the sample Patient Charge Schedule in your enrollment kit lists your fixed co-payments for covered procedures. The complete list is mailed upon enrollment in the Dental HMO plan.

• Orthodontic coverage is available for children up to age 19 and adults.

• Finding a CIGNA Dental Care HMO network dentist near your home is easy. Visit the dental office locator at www.cigna.com, or call a representative at 1-800-244-6224.

• Out-of-network benefits are not available with the CIGNA Dental HMO.

• Save on out-of-pocket expenses for treatment when you visit general dentists or specialists in our large national CIGNA Dental PPO network - more than 87,500 dentists nationwide.

• Or use out-of-network benefits when you visit any dentist you choose. Your out-of-pocket expenses will be higher when you visit an out-of-network dentist.

• In-network or not, you'll be reimbursed for all or part of the costs for covered procedures up to your annual dollar maximum, after meeting your deductible.

• No referral is required to see a specialist.

• Fast, accurate convenient claims processing. Most CIGNA network dentists file claim forms for you; you must file claims for out-of-network care.

• Finding a CIGNA Dental PPO Core network dentist near your home is easy. Visit the dental office locator at www.cigna.com, or call a representative at 1-800-244-6224.

This coverage, provided by Vision Service Plan (VSP), the largest vision care provider in the United States, has over 29,000 participating doctor locations.

To locate a vision expert in the VSP Choice network, visit www.vsp.com or call 1-800-877-7195.

• Eye exam once every 12 months

• Prescription glasses single vision, lined bifocal, lined trifocal, and standard progressive lenses once every 12 months

• Frames covered up to $150.00 plus 20% off any out-of-pocket cost once every 24 months

• Contacts in lieu of glasses your $150 allowance applies to the cost