Comparing the Options


Benefit Features	The DMO Dental Option	The McGraw-Hill Companies Dental Option*
Annual Deductible	No deductible applies	$75 per person $150 (family maximum)
Maximum Annual Benefit (excluding orthodontic services)	None	$1,500 per covered person
Preventive Care, including: Routine exams Cleanings X-rays	Plan pays 100%	Plan pays 100%, with no deductible
Restorative Care, including: Fillings Most extractions Root canal therapy (except molars)	Plan pays 100%	Plan pays 80%, after the deductible
Major Care, including: Bridges Dentures	Plan pays 60%	Plan pays 50%, after the deductible
Orthodontic Services	Plan pays 50% and no lifetime maximum (limited to one full treatment plan per eligible member)	Plan pays 50%, with no deductible (lifetime maximum of $2,000 per eligible member)

* Both in-network and out-of-network benefits are available. In-network benefits are based on negotiated fees. Out-of-network benefits are based on reasonable and customary charges.

If you would like additional information about what services and benefits are covered by The McGraw-Hill Companies Dental Plan and the Dental DMO Plan, see the Summary Plan Descriptions. If you still have questions, click here to review a complete description of what the plan pays. Click here to review the frequency and age limitations applied to certain benefits.