Dental Care

For a useful printout on dental care, please click here.

2021DIN01-113 Instruction for Service, Entitled Personnel and Civil Servants serving Overseas who receive dental treatment from non-Service sources.

Enrollment with Meritain Health

On arrival in the US you will be enrolled in a private dental plan, administered by an American company called Meritain Health. In the final four months of your US tour, routine dental treatment will not be funded and should be delayed until you return to the UK.
 
You will be sent Meritain Health ID cards, one for each adult in the family. Both cards will be in the serving officer’s name and only cover family members (yourself and any children). Active duty personnel are not covered on the MOD’s private dental plan as they must seek dental treatment on base at a Military Treatment Facility. 
 
The MOD’s private dental plan is designed to mirror all clinically necessary treatment that would be available to you on the NHS (see ‘What treatment is covered?’ below for further details). Please note that some procedures/treatments are automatically covered and require no authorisation; however others require approval before you receive treatment. It is important that you familiarise yourself with these before you receive any dental treatment. If you have any treatment (that is not automatically covered) without prior approval, the cost of your care will be a personal expense.
 
It is also important to note that your dentist must be in-network with Aetna Dental Access®/Aetna Dental® Administrators (see ‘Making a dental appointment’ below for further guidance).
 
Whenever you receive treatment, you must present your Meritain Health ID card to the dental office. The dental provider will then bill Meritain Health for the cost of your care, who will process the claim and pay the dental provider directly. As long as your dentist is in-network with Aetna Dental Access and you receive approval for treatment where necessary, the only out of pocket cost you will have to pay for dental treatment is your co-pay (this is equivalent to a patient contribution for dental treatment on the NHS in the UK).
 
Please note that Meritain Health is not an insurance provider and our plan is not a commercial insurance package. Instead, the MOD has a self-insured plan. This means that the MOD pays for all dental treatment obtained through the plan directly from their own funds. Meritain Health is a ‘Third Party Administrator’. They process all of your dental claims, and pay the providers on behalf of the MOD. They are also able to achieve considerable discounts on dental fees through contracts with provider networks, hence the requirement for you to use dental providers within the Aetna Dental Access network.
 

Changes to family situation after arrival in the US

If your family situation changes (e.g. you arrive in the US at a later date than your spouse, or you give birth to a child while in the US) you or your spouse must contact the Healthcare and Education Department in order to ask for new members to be added to the dental plan. They will not be added automatically.”

Making a dental appointment

Once you been in the country for four months, you can schedule a routine dental appointment. You should have received your Meritain Health ID card by this point; if not, please contact the Healthcare and Education Department for assistance.
 
Any dentist you use must be in-network with Aetna Dental Access®/Aetna Dental® Administrators. You can locate an in-network provider near you or verify a provider’s status by calling (+1) 800-343-3140 or by using the search facility on this website: www.aetna.com/docfind/custom/aetnadentalaccess.
 

Please note that if a provider tells you that they are in-network but they are incorrect, you will be liable for the costs of your treatment; therefore you must always verify network status yourself using the phone number and website above (NOT by asking the asking the provider directly).

There are numerous types of insurance policies in the US, along with hundreds of networks, therefore providers can sometime confuse your coverage or network and give you incorrect information. Please also be aware that the very first thing a dentists office will ask you to do is to sign a form accepting financial responsibility for any charges that your ‘insurance’ will not cover, therefore even if you find out at a later date that they gave you incorrect information, they will still expect you to pay. The only definitive way to check network status is by using the website and phone number above.

Please also note that not all dentists in a particular practice may be in the Aetna Dental Administration network; therefore you should enquire by the name of the dentist, not the name of the dental practice.

If you wish to double check with the provider that they are in-network after confirming this using the phone number and website above please ensure you ask “Are you in the Aetna Dental Administration network?” and not “Do you accept Meritain Health?” Network status is different to insurance acceptance; most providers will accept any insurance, regardless of their network status, however the MOD will only fund treatment with in-network providers.
 
Please note that providers can join and leave networks at any time. If you have used a particular provider in the past, there is a chance that they may no longer be in-network. You must therefore confirm that your provider is still in-network each time you make an appointment.
 
Providers sometimes practice in multiple locations, and may only be considered in-network at some of these.  If there is a particular provider that you wish to see, you must ensure that their address on the Aetna locator website matches that of the location you want to attend.
 
If the dentist that you requested is unavailable when you go to your appointment, you must not agree to see another dentist at the practice unless you are certain that they are also in the Aetna Dental Administration network.
 
It is also worth noting that it is not advisable to take advice from colleagues and friends on recommended providers, unless you are certain they use the same plan as you. You also have no dental coverage at all under Tricare, so you must not take advice from Tricare or your MTF.
 
Finally, when you have located a provider and you provide them with your plan details, please avoid using the term ‘Aetna insurance’. This may lead a provider to believe that you have a commercial insurance plan with Aetna, when you actually have a plan that is administered by Meritain Health and just utilises the Aetna Dental Administration network.
 

If there are no dentists available within 60 minutes travel time in each direction in non-rush hour traffic of your zip code (as calculated by Google Maps) please contact the Healthcare and Education Department for authorisation to use an out-of-network dentist. If you do not have prior authorisation and use an out-of-network dentist, your treatment will be a personal expense. Please see ‘Out-of-network dental care’ below for further guidance.

What treatment is covered?

*No routine dental care is funded during the first and last four months of your spouse’s tour*
 
*If you have any treatment that requires authorisation before approval has been received, or you have any non-covered treatment, it will be a personal expense*
 
What will the MOD fund?
 
The MOD will only fund clinically necessary dental care, as would be available under the general dental services of the NHS in the UK. Please note that American dentists may recommend a more complex or superior treatment for a dental problem than would be available on the NHS. If this happens, the MOD may direct that an alternative treatment be carried out instead (that which would be recommended by an NHS dentist). American dentists may also recommend treatments solely for cosmetic reasons; NHS dental treatment does not include cosmetic treatments, therefore these would not be approved.
 

Treatment requiring no authorisation

You are entitled to one routine check-up every 12 months.

 A routine check-up includes:
 
  • Oral exam
  • Prophylaxis (basic clean & polish)
  • X-rays as required by your dentist
If your dentist believes there is a clinical need for you to have more frequent check-ups, you will need to submit a case to the Defence Dental Services (DDS) in the UK (via the Healthcare and Education Department), with paperwork from your dentist stating the reason for the request. The national guidelines that previously recommended a check-up once every six months changed in 2004; adults are now recommended to have a check-up at least once every two years. The MOD will only fund exams at intervals of less than one year if there are good clinical reasons for increasing the frequency of check-ups.
 
If your dentist recommends any of the following treatment, no authorisation is required and you can have the treatment without contacting Meritain Health or the Healthcare and Education Department:
 
  • Routine fillings
  • Root canals
  • A crown that is required to seal a tooth after root canal treatment (a crown required for any other reason requires pre-authorisation (see below)
  • Re-cementing of bridges, crowns or inlays
Treatment requiring authorisation from Meritain Health
 
If your dentist recommends any of the following treatment, the consultant dentist at Meritain Health must approve it:
 
  • Non routine fillings
  • Crowns (with the exception of a crown that is required to seal a tooth after root canal treatment; these do not require pre-approval)
  • Crown build-ups
  • Periodontal work (including deep cleaning)
  • Bridges
  • Dentures
  • Onlays
Your dentist must send x-rays (or periodontal charting if periodontal work, including deep cleaning, is required) and a treatment plan to Meritain Health (the address is on the reverse of your Meritain Health ID card):
 
Meritain Health
PO Box 853921
Richardson TX 75085
 

Sometimes a dentist will send the treatment plan etc to the wrong address. Meritain have provided a flyer that can be printed and taken to the dentist to ensure that the plan is sent to the correct address to avoid any delay in the process. Click below to open the Flyer.

Meritain Dental Flyer

It takes up to two weeks to receive a response from Meritain Health from the time that they receive all of the case materials (it can take longer if materials are missing or additional materials or details are requested). Please note that it is your responsibility to ensure your dentist provides all of the relevant materials to Meritain Health; the Healthcare and Education Department cannot liaise with your dentist on your behalf.
 
The Healthcare and Education Department will send an email to your spouse with the decision. Meritain Health will also inform your dentist what treatment has been authorised. 
 
If you have not received a response after two weeks, please notify the Healthcare and Education Department. We will contact Meritain Health to check that they have received your case from your dentist.
 
Please note that the consultant dentist at Meritain Health examines cases using MOD guidelines, and will only approve clinically necessary treatment that would be available on the NHS. 
 
Treatment requiring authorisation from Defence Dental Services
 
If your dentist recommends any of the following treatment, Defence Dental Services (DDS) in the UK must approve it:
 
– Extraction of multiple wisdom teeth (please see the guidance under ‘Wisdom teeth’ below for further details about wisdom teeth extractions before submitting case materials)
 
Case materials must be sent to the Healthcare and Education Department for onward submission to DDS for your case to be considered. The following materials are required:
 
  • Form 210 (Annex A) (page 1 must be completed by your spouse and pages 2-3 by the dentist)
  • X-rays
  • Clinical photographs
  • A treatment plan and any relevant notes from the dentist, including a breakdown of the costs
Your dentist can submit a claim for all of these materials to Meritain Health for payment in full.
 
Materials should be emailed to [email protected]
 
It can take 4-8 weeks to receive a response from DDS (it can take longer if materials are missing or additional materials or details are requested). Please note that it is your responsibility to ensure your dentist provides all of the relevant materials for submission to DDS; the Healthcare and Education Department cannot liaise with your dentist on your behalf.
 
The Healthcare and Education Department will send an email to your spouse with the decision.
 
The Healthcare and Education Department will also notify Meritain Health of the approved treatment to ensure this is paid for.
 
Treatment that is not covered
 
The following treatment is NOT available on the NHS for adults. If you receive any of these treatments the cost will be a personal expense:
 
  • Fluoride treatments
  • Orthodontic treatment
  • Sealants
  • Anti-microbial injections
  • Implants
  • Veneers
  • Replacement of a tooth that was missing prior to you arriving in the USA

If your dentist recommends any treatment not listed above, please contact the Healthcare and Education Department for guidance.

Wisdom teeth

Wisdom teeth removal is considered non-routine treatment in the UK. Surgical removal of impacted wisdom teeth is limited to patients with evidence of disease.
 
This differs to the US, where a more proactive approach is applied. US dentists will remove all wisdom teeth if they are present as a preventative measure, as they may cause problems at a later date. 
 
If you have a single infected or painful wisdom tooth, please contact the Healthcare and Education Department. The MOD will fund the removal of a single infected tooth with prior authorisation from the Healthcare and Education Department.
 
If your dentist recommends the removal of multiple wisdom teeth, you must have prior authorisation from Defence Dental Services (DDS) in the UK before proceeding with treatment. 
 
The National Institute for Health and Care Excellence (NICE), a part of the NHS, have produced guidance relating to the removal of wisdom teeth (see below). DDS use this guidance when reviewing dental cases; therefore you should only submit a case to DDS for the removal of multiple wisdom teeth if you meet the criteria described in the guidance (i.e. there is evidence of disease). If your wisdom teeth are impacted* but no disease is present, NICE advise that the teeth don’t need to be removed; therefore DDS will not approve the treatment. 
 
Case materials must be sent to the Healthcare and Education Department for onward submission to DDS for your case to be considered. The following materials are required:
 
  • Form 210 (Annexe A) (page 1 must be completed by your spouse and pages 2-3 by the dentist)
  • X-rays (a panoramic x-ray of your mouth and x-rays of your wisdom teeth)
  • A treatment plan and any relevant notes from the dentist, including a breakdown of the costs
Materials should be emailed to [email protected]
 
It can take 4-8 weeks to receive a response from DDS (it can take longer if materials are missing or additional materials or details are requested). Please note that it is your responsibility to ensure your dentist provides all of the relevant materials for submission to DDS; the Healthcare and Education Department cannot liaise with your dentist on your behalf.
 
The Healthcare and Education Department will send an email to your spouse with the decision.
 
The Healthcare and Education Department will also notify Meritain Health of the approved treatment to ensure this is paid for. 
 
If your treatment is approved you are responsible for your NHS Dental co-pay.
 
If you proceed with the treatment before approval has been received it will be a personal expense.
 
NICE guidance
 
What do NICE recommend about the removal of Wisdom Teeth? Based on the evidence, NICE has recommended to the NHS that:
 
  1. Impacted* wisdom teeth that are free from disease (healthy) should not be operated on. There are two reasons for this:
    a) There is no reliable research to suggest that this practice benefits patients
    b) Patients who do have healthy wisdom teeth removed are being exposed to the risks of surgery.
These can include:
  • nerve damage
  • damage to other teeth
  •  infection
  • bleeding and, rarely, death
Also, after surgery to remove wisdom teeth, patients may:
 
  • have swelling and pain
  • be unable to open their mouth fully
2. Patients who have impacted wisdom teeth that are not causing problems should visit their dentist for their usual check-ups.
 
3. Only patients, who have diseased wisdom teeth, or other problems with their mouth, should have their wisdom teeth removed. Your dentist or oral surgeon will be aware of the sort of disease or condition which would require you to have surgery.
 
Examples include:
 
  • Untreatable tooth decay
  • Abscesses
  • Cysts or tumours
  • Disease of the tissues around the tooth
  • If the tooth is in the way of other surgery
*Impacted – the term used to describe wisdom teeth that don’t come through normally, usually due to a lack of space.
 

Referrals

If your Aetna Dental Administration dentist refers you to another dentist or specialist (e.g. endodontist (root canal specialist), periodontist (gum disease specialist), oral surgeon etc) for work they cannot do there is no guarantee that this new provider is in the Aetna Dental Administration network. 
 
It is your responsibility to check that the provider your dentist has referred you to is in network with Aetna Dental Administration. It is not the responsibility of the provider and they will not check this information for you.
 
You verify a provider’s status by calling (+1) 800-343-3140 or by using the search facility on this website: www.aetna.com/docfind/custom/aetnadentalaccess.
 
If you go to an out-of-network dentist as a result of a referral the cost of the treatment will be a personal expense.
 

Any treatment recommended by the specialist is subject to the authorisation process described under ‘What treatment is covered?’ above.

Emergency treatment

What constitutes an emergency?
 
*Please note that dental emergencies are considered severe pain requiring medication, bleeding & hemorrhaging, infection or the painful breaking or chipping of a tooth*
 
Treatment for dental emergencies can be sought without prior notice being given to the Healthcare and Education Department, Meritain Health or Defence Dental Services.
 
Emergency treatment can include temporary crowns. Any follow up treatment, including permanent crowns, is not considered emergency treatment and requires approval. Details of the treatment authorisation process can be found under ‘What treatment is covered?’ above.
 
Receiving treatment
 
If you have been in the US for four months and you have received your Meritain Health ID card, you should schedule an emergency visit with a dentist that is in the Aetna Dental Administration network. If you do not already have an in-network dentist, you can locate an in-network provider near you by calling (+1) 800-343-3140 or by using the search facility on this website: www.aetna.com/docfind/custom/aetnadentalaccess.
 
When you attend your appointment, you must present your Meritain Health ID card to the dental office. The dentist will bill Meritain Health for the cost of your treatment. All relevant co-pays (NHS contributions) will apply (see ‘What will my treatment cost?’ below for further guidance).
 
If you are in the first four months of your spouse’s tour and have not yet received your Meritain Health ID card, please proceed to your local Emergency Room if you require emergency treatment (see Emergency Care for further guidance on ER visits).
 
If you have a requirement for urgent, but not emergency treatment (e.g. a broken/chipped tooth that is not causing pain, manageable discomfort etc), please contact the Healthcare and Education Department. We will enroll you in the MOD’s private dental plan early, so that you can seek treatment immediately. Once you have been enrolled, you will need to locate an in-network provider near you by using the phone number or website above and schedule an emergency appointment.
 

*All emergency work MUST be completed by a dentist in the Aetna Dental Administration network (with the exception of treatment received at the ER)*

What will my treatment cost?

You will be charged a co-payment (or co-pay) for treatment. This is the portion of the charge for treatment that is the patient’s personal responsibility to pay, and is equivalent to an NHS contribution in the UK. The remainder of the bill will be paid directly by Meritain Health. There are three bands of co-pays (equivalent to NHS bands):
 
Band 1 – $32.84, Covers the following treatment:
  • Routine check-up (including an exam, cleaning and x-rays)
  • Emergency exam
  • Initial exam with specialist
  • Re-cementing of bridges, crowns or inlays
Band 2 –  $89.97, Covers the following treatment:
  • Fillings
  • Extractions
  • Root canals
  • Periodontal cleaning and scaling
  • Mouthguards
Band 3 – $390.26, Covers the following treatment:
  • Crowns
  • Crown build-ups
  • Dentures
  • Bridges
  • Onlays
You will pay your co-pay direct to the dental provider. Payment policies vary between providers; you may be asked to pay at the time of your treatment, or the provider may send you a bill in the post after your appointment. Please note that the provider has every right to charge you at the time of your treatment. They can contact Meritain Health (the contact details are on your ID card) to find out what your co-pay should be.
 
Courses of treatment
 
A course of treatment (as you would receive on the NHS) is considered to be all of the treatment recommended by a dentist at the initial examination, and consequently specified on a treatment plan. 
 
You will only be responsible for one co-pay for each complete course of treatment. This will be the co-pay for the highest band service within your course of treatment; for example, if you require a check-up and three fillings, you will only pay one Band 2 charge.
 
A course of treatment should be completed within four months unless there are exceptional circumstances. The Healthcare and Education Department must provide approval to extend this time frame.
 
Your US dentist will have no knowledge of the number of visits that a course of NHS treatment entails; therefore they may charge you for each service at the time you receive treatment. You are responsible for only the highest co-pay; therefore your dentist will need to refund you any overpayments once they have received payment from Meritain Health. For example:
 
Date       Treatment you received Co-pays you made to dentist
1-OctExam and Cleaning   Band 1 Co-pay

3-Oct

Return for a fillingBand 2 Co-pay

(Oct 20 – Receive approval for two crowns)

  

23-Oct

Receive first crown  Band 3 Co-pay

27-Oct

Receive second crownAnother Band 3 Co-pay
After treatment – dental provider receives payment from Meritain for all but one Band 3 co-pay. Your total NHS charge is a single Band 3 co-pay; therefore you can claim back all of the other co-pays made.
 
You will need to claim back any co-pay overpayments from the dental provider, not through the Claims Processing Centre at the British Embassy. 
 

If you have any questions about co-pays, or if you are charged an amount other than the three figures listed above, please contact the Healthcare and Education Department for assistance. If you have used an out of network provider without authorisation, or have had any unauthorised treatment, these costs will be a personal expense.

Meritain Health dental statements

Explanation of Benefits
 
An Explanation of Benefits (EOB) is an itemised statement from Meritain Health that shows what action has been taken on claims submitted by a dental provider. It shows how much of the claim has been paid by Meritain Health and how much is outstanding. It is not a bill.
 
You will receive an EOB from Meritain Health each time you visit a dental provider. 
 
If you have used a Aetna Dental Administration provider and have only had authorised treatment, the figure shown as the ‘patient responsibility’ should only be your co-pay.
 
If your EOB shows a patient responsibility that is anything other than your co-pay, this may be due to one of the following reasons:
 
–  You have used an out-of-network medical provider. If you use a provider that is not in network with Aetna Dental Administration without prior authorisation from the Healthcare and Education Department, the cost of your treatment will be a personal expense.
 
–  You have had a procedure that is not covered by the MOD’s dental plan. The MOD’s dental plan is designed to provide all clinically necessary treatment that is available on the NHS. If you have any treatment that is not automatically authorised before receiving approval, or you have a procedure that is not available to MOD employees and their dependants in the US, then the cost of your treatment will be a personal expense.
 
– There has been a mistake in the billing process, either by the dental provider or by Meritain Health. Please contact the Healthcare and Education Department for assistance in resolving the problem. Do not pay anything to the dental provider.
 
If your dentist has recommended a course of treatment that needs to be reviewed by Meritain Health, you may receive an EOB showing a $25 charge for ‘The Premier Dental Group’. This is simply the fee paid to the consultant dentist at Meritain Health for reviewing cases, and there is no action required on your part as this charge should not be shown as a patient responsibility.
 
Pre-treatment Estimates
A Pre-treatment Estimate is an itemised statement notifying the dental provider and the health plan member whether the services recommended by the provider are covered under the plan. 
 
It looks similar to an EOB, however instead of a date being shown in the ‘Dates of Service’ column; there will be text that reads ‘Pre-estimate only’ (or in some cases, a date in the future).
 
It shows the amount that will be paid by the health plan for any approved treatment, and the amount the patient will need to pay if they decide to have any denied treatment.
 
When your dentist recommends a course of treatment that needs to be reviewed by Meritain Health, following the review Meritain Health will send copies of the Pre-treatment Estimate to your dentist and the Healthcare and Education Coordinators at British Embassy. The Coordinators will ‘translate’ the statements so that you can understand what treatment has been approved or denied (as they show dental codes rather than descriptive text), and will send an email to the active duty member with these details and a copy of the statement.
 
Occasionally, these statements get sent to you as the plan member, rather than the Healthcare and Education Coordinators. If this happens, please contact the Coordinators so that they can assist you in deciphering the statement.
 
Other statements
 
If your dentist has recommended a course of treatment that needs to be reviewed by Meritain Health or the Defence Dental Services, you may receive a statement that says “Your claim has been sent for outside review”.
 

Provided no additional materials have been requested, these statements require no action on your part. You will be advised of any approved or denied treatment once the treatment plan has been reviewed. 

Maternity exemption

You are exempt from co-pays (NHS contributions) if you are pregnant or you have had a baby in the last 12 months.
 
Please note that your treatment entitlement does not change whilst you are exempt NHS charges, and you must still follow the approvals process for any treatment recommended by your dentist.
 
Details of the treatment authorisation process can be found under ‘What treatment is covered?’ above. 
 
If you use an out-of-network provider without authorisation, or have any unauthorised treatment, the full cost (including your co-pay) will be a personal expense. 
 
The Defence Dental Services have stated that there is no specific NHS policy on the issue of more frequent check-ups and cleanings than normal for pregnant women. In many cases it would depend on the capacity within the NHS practice that the patient was registered with. They have stated that MOD policy remains as an annual check-up and cleaning, and that requests for more frequent appointments are to be assessed on a case-by-case basis.
 
For authorised treatment, you may claim one co-pay for each course of treatment. You must pay your co-pay direct to the dental provider and then claim this back through the Claims Processing Centre at the British Embassy. Please see Claims for guidance on how make a claim. 
 
Multiple co-pays made to the dental provider
 

You are only responsible for (and can only claim) one co-pay per course of treatment, however a provider may charge you for each service at the time your receive treatment (see ‘What will my dental treatment cost?’ above for details). Any overpayments cannot be claimed through the Claims Processing Centre at the British Embassy. Instead, your dental provider will need to refund you any overpayments once they have received payment from Meritain Health.

Out-of-network dental care

If there are no Aetna Dental Administration dentists available within 60 minutes travel time in non-rush hour traffic in each direction (as calculated by AA Route planner) of your zip code, please contact the Healthcare and Education Department for authorisation to use an out-of-network dentist.
 
If you do not have prior authorisation and use an out-of-network dentist, your treatment will be a personal expense.
 
Further guidance will be provided to you when you receive authorisation; however it is important to note that you must still follow the approvals process for any treatment recommended by your dentist. Details of the treatment authorisation process can be found under ‘What treatment is covered?’ above.
 
Some out-of-network dentists may be willing to send cases requiring approval from the consultant dentist at Meritain Health, along with bills for treatment, directly to Meritain Health. If this is the case, the approvals process will be the same as that described under ‘What treatment is covered?’ above, and the payment process will be the same as that described under ‘What will my dental treatment cost?’ above.
 
When an out-of-network dentist is not willing to send cases requiring approval from the consultant dentist at Meritain Health directly to Meritain Health, you must forward all of the relevant case materials (a treatment plan and x-rays) to the Healthcare and Education Department for onward submission to Meritain Health. 
 
If this is the case, the dentist is also unlikely to contact Meritain Health to enquire about which treatments are covered on your plan; therefore you must be aware of the list of treatments requiring authorisation before you attend your appointment (see ‘What treatment is covered?’ above). If you have any unauthorised treatment, the cost will be a personal expense.
 
If your out-of-network dentist is also not willing to send bills for treatment to Meritain Health, you will have to pay the dental provider the full cost of your treatment up front. The bills can then be sent to Meritain Health, who will refund you the difference between the full cost of your treatment and your co-pay (NHS contribution). No claims can be made through the Claims Processing Centre at the British Embassy.
 
If you require extensive out-of-network dentist treatment, and the provider is not willing to bill Meritain Health for your care, you may be entitled to an advance. Please contact the Healthcare and Education Department for assistance.
Last Updated: Sep 29, 2021 @ 9:52 am

Scroll to Top