Legal Disclaimer

FCL/STARDENT has developed this website in order to better serve its members and contracted Providers. FCL/STARDENT will make every effort to ensure that the information in this website is accurate, however changes will occur from time to time. FCL/STARDENT cannot verify the accuracy of this information and some information may become out-of-date at any given time. The information is also general in nature and is not meant to replace all the applicable terms, conditions, limitations and exclusions of the products and services contracted.

While FCL/STARDENT has worked to protect the confidentiality of personal information on this website, you agree to use this site and submit information at your own risk. Please use your own judgment when sending information via the Internet. If you have confidential personal information, we recommend that you provide that information to us by calling our Member Services Department at 800-660-69064 or by mailing us the information at:

The information in this website is not a substitute for professional oral health care. If you have a specific health care need, we strongly urge you to see a medical doctor or dentist or other health care Provider in FCL/StarDent's network. This website contains a listing of doctors and other health care Providers with FCL/STARDENT. Because the list of Providers changes from time to time, please contact FCL/STARDENT to make sure that he/she is still in FCL/StarDent's network.

The products and/or services described in this website are not intended to constitute an offer to sell or solicit such products and/or services. The information is presented in an informational format solely for the benefit of our members and contracted Providers.

Although we provide links to other websites not affiliated with FCL/STARDENT, we cannot verify the accuracy or confidentiality of external websites. Such links are provided as a courtesy to our website visitors.

All service-marked, trade-marked and registered items are the sole property of FCL/STARDENT, unless otherwise noted. All rights are reserved. Downloads, copies or mirrors of this site are prohibited without the expressed written consent of FCL/STARDENT.

FCL/STARDENT will not be liable for any direct, indirect, special or other consequential damages arising out of any use of this website, or any other hyper-linked web site that FCL/STARDENT may provide to the user.

FCL/StarDent is required by law to maintain the privacy of Protected Health Information ("PHI") and to provide individuals with notice of FCL/StarDent's legal duties and privacy practices with respect to PHI. PHI includes information that can be used to identify you and has been created or received about your past, present or future health or condition, the provision of health care to you, or the payment for this health care.

This notice explains our privacy practices that are applicable to you, a valued member of FCL/StarDent. We appreciate the confidence and trust that you have bestowed upon us. Your privacy is very important to us, and we take this duty seriously.

FCL/StarDent is required to follow the privacy practices that are described in this notice. However, we reserve the right to change the terms of this notice and our privacy practices at any time. Any changes to our policies and procedures will apply to the PHI we already have in our possession. If we make a material change to our policies and procedures about your PHI, we will update this notice, post a new notice on our web site at Privacy Policy and, to the extent required by applicable law, promptly mail a notice of the changes to you.

FCL/StarDent's Need for Information to Provide Services

The types of PHI we collect on each of our members will include, but not necessarily be limited to: (i) information that you provide to us or that we receive from regulatory authorities, your employer or benefits plan sponsor (such as your name, address, social security number, date of birth, dependent information, marital status, health or medical history, employment information and other insurance carrier history); and (ii) information on your interaction with any of our agents, business partners, or other parties (such as medical records, health care claims, premium payments, verification of your eligibility, appeal and grievance information, information to process requests for health care authorizations and enrollment applications). STARDENT/FCL acknowledges participants' privacy rights as specified in the Privacy Rule of the Administrative Simplification provisions of the Health Insurance Portability and Accountability Act of 1996, and has implemented policies and procedures to ensure these privacy rights are protected.

PROCEDURE

Participants in STARDENT/GUARANTY/FCL have the right to:

• Receive a paper copy of the STARDENT/GUARANTY/FCL Health Plan's Notice of Privacy Practices ("Notice"), even if participant has agreed previously to receive the Notice electronically;
• Request restrictions on the uses and disclosures of Protected Health Information ("PHI"); . Request receipt of confidential communication by an alternative means or at an alternative location if appropriate cause is shown; . Access documents in the designated record set for inspection and/or copying;
• Request to amend documents in the designated record set that are inaccurate or incomplete; and . Obtain an accounting of disclosures of their PHI.
• STARDENT/GUARANTY/FCL adheres to policies and procedures that were developed and implemented to ensure participant privacy rights.
• STARDENT/GUARANTY/FCL provides workforce members who perform plan administration functions with training regarding participant rights with respect to their PHI.

PARTICIPANT REQUESTS FOR CONFIDENTIAL COMMUNICATIONS

Participants in the Health Plan of the STARDENT/FCL DENTAL PLANS Health & Employee Benefits Pool (STARDENT/GUARANTY/FCL) have the right to request restrictions on how and where their Protected Health Information ("PHI") is communicated. STARDENT/GUARANTY/FCL will not discriminate or retaliate against any participant for making such a request.

• Participants who desire their PHI to be communicated in a manner or location other than the Health Plan would otherwise use, may request a specific alternative location or other method of communication.
• To be entitled to any requested restrictions, a Participant must clearly establish that the restriction is necessary to prevent an unlawful disclosure.
• Even if the participant fails to establish that a failure to grant the request would result in an unlawful disclosure, STARDENT/GUARANTY/FCL will accommodate reasonable requests unless the requests impose an unreasonable administrative burden.
• The participant may request confidential communication at any time.
• The request must be made in writing to TAC STARDENT/FCL Program Manager, (512) 478-8753, P.O. Box 2131, Austin, Texas 78768.
• Written documentation of the participant's request, if granted, will be placed in the participant's record(s).