(1) Under Arkansas law, you may purchase a dental point-of-service option as an additional benefit. A dental point-of-service option allows you to obtain dental care services from dentists and other providers outside the dental provider network or panel of your health plan. Arkansas law requires that the dental benefits offered under this option shall be the same as those offered through the network. Please be advised that although the out of network dental benefits offered are required to be equal to those provided through your in network health plan, the co-payment, co-insurance, and other cost sharing features may be higher should you use an out-of-network dentist, on a non-emergency basis. No co-payment or co-insurance, however, may exceed 25% of the co-payment required to be paid to in network dentists. The out-of-network dentist may also bill you for the balance of any charges which are not otherwise reimbursed by the health carrier.

(2) Every explanation of benefits, following a Covered person's use of out-of-network dental benfits under this option, shall contain an explanation of coverage for out-of-network dental benefits that allows each enrollee or Covered person to determine his or her obligations with respect to such services.

(3) The health plan must provide an explanation of this point-of-service product in marketing materials, evidences of coverage, enrollee handbooks, and other materials, which may be provided to either the Covered person, or employer, or purchaser of the health plan.