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These Exclusions Are For The Following American National Dental Plans

(Both of these plans are Dental Insurance)

American National Confident Smile American National Perfect Smile

Comments that are highlighted in Blue are observations by Savon

Exclusions/Limitations (may vary by State)

Benefits will not be paid for dental expenses arising from or in connection with:
  1. Treatment, services or supplies which:
  2. Are not Medically Necessary;
  3. Are not prescribed by a Dentist;
  4. Are determined to be Experimental/Investigational in nature by Us;
  5. Are received without charge or legal obligation to pay;
  6. Would not routinely be paid in the absence of insurance;
  7. Are received from any Family Member.
  8. Intentionally selfinflicted injuries.
  9. War or an act of war, whether or not declared.
  10. A Covered Person's commission of a felony.
  11. Participation in a riot.
  12. Employment, whether caused by, related to, or as a condition of, including selfemployment. This exclusion applies even if Workers' Compensation or any Occupational Disease or similar law does not cover the charges.
    Since Savon is not Insurance, if you have workers' compensation or are self-employed, you are still entitled to your Savon benefits.

  13. Treatment which began, before the Covered Person's Effective Date of coverage or after the Covered Person's termination of coverage.
  14. Congenital or development malformations existing when the Covered Person's coverage began effective under this Certificate.
  15. Cosmetic procedures.
  16. Surgical implants or transplants of any type including prosthetic devices attached to them.
  17. Temporomandibular joint syndrome.
  18. Periodontal splinting.
  19. Facings on crowns, or pontics posterior to the 2nd bicuspid.
  20. Replacement of partial or full dentures, fixed bridge work, crowns, gold restorations and jackets more often than once in any 5 year period.
  21. Relining of dentures more often than once in any 2 year period.
  22. Lost, stolen, or missing dentures or bridges or for duplicates.
  23. Fixed or removable bridgework involving replacement of a natural tooth or teeth which was lost prior to the Covered Person's Effective Date of coverage under this Certificate. Benefits may be payable for bridgework required for loss of teeth while covered under this Certificate, if such bridgework is not an abutment for noncovered bridgework.
    Unless you have a tooth extracted while insured by this company, there is no benefit for any prosthetic appliance (dentures or partials) or fixed partial denture (bridges).

  24. Prescription Drugs and analgesia premedication.
  25. Charges for telephone consultations, failure to keep a scheduled appointment, to complete claim forms or attending Dentist statements, and any other services or supplies which are not part of the direct treatment of the Covered Person.
  26. Dental education or training programs including oral hygiene or plaque control programs.
  27. Counseling on diet and nutrition.
  28. Expense related to a Covered Person's military service, including service in a military reserve unit.
  29. Orthodontia, unless this coverage is elected by the Policyholder and the required premium is paid.
    This is especially important for anyone in need of braces.

  30. Prosthodontics, unless this coverage is elected by the Policyholder and the required premium is paid.
  31. Charges payable under any medical insurance.
  32. Charges made by any government entity unless the Covered Person is required to pay.
  33. Use of materials, other than fluorides or sealants, to prevent tooth decay.
  34. Bite registrations.
  35. Bacteriologic cultures in connection with a covered dental service.
  36. Therapeutic injections administered by a Dentist.
Updated 09/20/2016

Savon Dental Plan Is Not Available For Purchase In The State Of Florida
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This is not dental insurance and is not intended to replace insurance.
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A Division of Savon Professional Services Inc.
Corporate Offices Located In Phoenix, Arizona  1-800-809-3494
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