• This discount will apply only to the deductible or copayment portion of the insured, as specified in the benefits table.
• Under the coverage agreement, general provisions, general exclusions, and other terms of the rider to which this endorsement is attached, all remain in full force and effect.

Q : Does the copayment discount include copayment under renewal year conditions?
A : The copayment discount provided by the Company to customers who receive treatment at participating medical facilities under the MTL Smile Hospital Network applies only to the insured’s copayment amount as specified in the Benefit Schedule. It does not apply to copayment under renewal year conditions.

Q : If I receive treatment at a medical facility outside the MTL Smile Hospital Network, will I receive this privilege?
A. This privilege applies only to treatment received at participating medical facilities under the MTL Smile Hospital Network. If the insured receives treatment at a non-participating medical facilities, the privilege will not apply.

Q : Which riders are eligible for the copayment/deductible discount?
A : All health insurance riders that include copayment/deductible conditions are eligible, provided treatment is received at a participating medical facility under the MTL Smile Hospital Network. However, copayment under renewal year conditions is excluded.

Q : If a rider includes both deductible and copayment, will the insured receive a discount on one or both?
A : If the rider includes both deductible and copayment, and treatment is received at a participating medical facility under the MTL Smile Hospital Network, the insured will receive discounts on both items. However, copayment under renewal year conditions is excluded.

Q : For riders with a deductible, how does the discount apply if the insured has first-dollar medical benefits?
A : When the insured uses first-dollar benefits up to the amount of the discounted deductible, the claims system will automatically calculate coverage in accordance with the policy terms.

Q : How will customers know they received the discount at an MTL Smile Hospital Network medical facility? Will the discount appear on the receipt?
A : As the discount is applied through the Company’s claims system, it will not be shown on the receipt. Coverage will be calculated based on the applicable deductible/copayment discount, as the case may be.