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DENTAL EXPENSE BENEFITS '"\ENEFIT, The Company will pay Dental Expense BenefIts if a Covered Person incurs Covered Expenses in excess of the ..Jeductible during a Calendar Year. The Company will pay the Percentage Payable shown in the Schedule of BenefIts for that Type of service; provided any BenefIt Waiting Period is satisfIed. BenefIts will be paid up to the Maximum shown in the Schedule of BenefIts for each Covered Person. BENEFIT DETERMINATION. The amount of benefIts payable for Type I, II and III Procedures will be determined as follows: (1) Dates of service are reviewed and categorized by: (a) services prior to effective date; (b) services after termination date; and (c) covered services by benefIt period or calendar year. (2) Each procedure, service or supply is evaluated to ensure that it qualifIes as a Necessary Dental Procedure which is determined to be Professionally Adequate under the terms of the Policy. (3) Covered Expenses are determined, then grouped by Type of dental service. The Covered Expenses for each Type are added, (4) The total for each Type of dental service is reduced by any unmet Deductible amount. The total is reduced: (a) for Type I Procedures fIrst, if the Deductible applies to Diagnostic and Preventive Procedures; (b) for Type II Procedures next; and for Type III, last. (5) Then, each remaining amount is multiplied by the Percent Payable for that Type of Service, to determine the Dental Expense BenefIts payable, subject to Policy provisions, maximums, limitations and exclusions. BenefIts for Covered Expenses are based on Dental Necessity, Services which are determined to be not Necessary are not covered by this Policy, even if they are recommended or provided by a Dentist. DEDUCTIBLE. The Deductible shown in the Schedule of BenefIts is the amount of Covered Expenses which must be incurred before benefIts are payable, The Deductible applies separately to the Covered Expenses incurred by each Covered Person, BenefIts will be based on those Covered Expenses which are in excess of the Deductible, After Covered Expenses Incurred by all covered family members combined exceed the Family Deductible shown in the Schedule of BenefIts, no additional Covered Expenses will be applied toward the Deductible in that Calendar Year. BENEFIT WAITING PERIOD. The BenefIt Waiting Period is shown on the Schedule of BenefIts page of this Policy, LATE ENTRANT LIMITATION. For a Late Entrant, Dental Expense BenefIts will be limited to Type I benefIts only; until the Late Entrant has completed the Late Entrant Limitation, for each Type of service shown on the Schedule of BenefIts page. GL11-12-DB 18 09101/01