Smile for Health PPO Plans. Value Portfolio. Combine dental and vision benefits for one affordable price

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1 Smile for Health PPO Plans Value Portfolio Combine dental and vision benefits for one affordable price

2 Protecting More Than Just Your Smile The eyes and mouth are pathways to the body. That s why vision and oral care are critical to keeping the whole body healthy. You may already know United Concordia as an oral wellness company with: Competitive rates on dental benefits Flexible dental plan designs and funding options Large networks of dentists But now, we re factoring vision into the equation to complete your health care coverage in a more comprehensive way. Our Value Portfolio Whether dental and vision benefits help round out your total rewards package, or demonstrate your company s commitment to wellness, with United Concordia, you can have it all and at a very affordable price. Our Value Portfolio is based on three low-cost dental PPO plans: Value 1: A simple and cost-effective dental maintenance plan that includes the basic benefits for people who don t have a lot of dental disease Value 2: A smart combination of preventive dental coverage for adults and children, all at a great value Value 3: More covered services to meet members oral health needs, so breaking a tooth doesn t mean breaking the bank All three of these dental plans automatically include vision discounts. Vision discounts allow your employees to save procedures, like laser vision Or, you can choose to bundle any of these same three dental plans with vision benefits. Vision benefits offer coverage at providers in our These plans are indicated with a plus sign ( Value 1+, Value 2+, Value 3+). No matter which Value Plan combination you select, you can keep employee health on track and the bottom line in check with preventive dental services offered at a low cost, access to great network discounts and built-in vision care. Expertly Designed You spoke and we listened. With all the new regulations and reforms surrounding employee benefits, ancillary insurance products like dental and vision need to be easy. That got us thinking. How could we make these plans even more practical? What about a more manageable price? With our Value Portfolio, you have a choice of affordable plans that cover the services members use the most. In addition, employees can save on their out-of-pocket costs when visiting participating dental and vision providers as these doctors offer significant discounts on non-covered procedures. All three Value Plans feature: Preventive services covered at Low or no deductibles No waiting periods Nationwide networks 30% average discount on non-covered services* The advantages of a combined dental-vision plan do not stop at the balance sheet. Instead, bundling these benefits with your medical plan help contribute to better total-body wellness for your workforce. Forward-Thinking Smart plan design used to take place at the intersection of past utilization trends and current standards. But we looked to the future. The future of health care as you see it. Right now, you may be at a crossroads. Our rich benefit plans are just that: too expensive to maintain at this level. We re considering eliminating dental and vision benefits to offset rising medical costs. The Value Portfolio allows you to keep (or even add, for the first time) the benefits that attract talent and keep them healthy and happy. Consider our various purchase options: 1. Standalone policy to offer beside medical plans 2. Standalone policy to offer to adults age 19+ beside medical plans with embedded pediatric dental 3. Standalone policy to offer to the whole family to supplement medical plans with embedded pediatric dental 4. Less expensive option in a dual plan arrangement, which will lower the employer contribution, but still allow you to offer richer PPO benefit plans to employees * Network dentists may elect to discount non-covered services. Consult our online provider directory to search for a participating dentist in your area. Dentists with a black box ( ) next to their name accept negotiated rates for non-covered services. Discounts vary by service and region with average savings of 30%. Discount percentage based on United Concordia internal research and reports. Purchase Understand Administer

3 Plan Comparison Choose the dental plan that fits your needs, knowing that each base dental plan comes with vision discounts automatically. Looking for full vision benefits instead? Simply select the plus ( + ) enhancement in the bottom row. Dental plan description Dental network Covered dental services Non-covered dental services Waiting periods $ $$ $$$ Smile for Health PPO VALUE 1 Smile for Health PPO VALUE 2 Smile for Health PPO VALUE 3 Best for workforces with young professionals and adults in generally good oral and overall health who are looking for a preventive plan that s smart for their smile and their budget. Best for workforces with adults and families that need an affordable dental insurance option to cover the basic services required to maintain good oral health. Best for workforces with cost-conscious families who don t require extensive oral care and instead are interested in coverage for preventive services for both the adults and the children in their family, and discounts for when something unexpectedly occurs. Advantage Advantage Advantage Oral evaluation 1 Cleaning 1 Oral evaluation 1 Cleaning 1 Sealants Space maintainers 60% Emergency treatment Silver and white fillings Crown fractured tooth Endodontic therapy (root canals, etc.) Other endodontic services Simple and surgical extractions Network dentists may elect to discount non-covered services. Oral evaluations 2 Cleanings 2 Sealants Space maintainers 50% Emergency treatment Silver and white fillings Repairs to crowns, inlays, onlays, bridges, dentures Simple and surgical extractions Oral surgery General anesthesia Consult our online provider directory to search for a participating dentist in your area. Dentists with a black box ( ) next to their name accept negotiated rates for non-covered services. Discounts vary by service and region with average savings of 30%. 3 None Dental deductible $0 $0 $50 (per member) Excludes services covered at $50 (per member) Excludes services covered at $0 $0 Annual maximum for dental services Out-of-pocket maximum, per member $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Value 1 Value 1+ Value 2 Value 2+ Value 3 Value 3+ Vision options 1. Covered once every 12 months 2. Covered twice every 12 months 3. Discount percentage based on United Concordia internal research and reports.

4 Dental Vision Our dental plans are built on the premise that preventive oral care can help keep medical costs down long-term. And with low monthly premiums to start, our Value Plans truly live up to their name. They re an all-around great value. Your employees will enjoy: Thoughtfully designed plans that save money on preventive, basic and major services No waiting periods, so they can start using their benefits right away Our nationwide Advantage network that gives them direct access to more than 60,000 dentists*, including specialists with the flexibility to change dentists at any time Online and personalized service around-the-clock We encourage all members to use a network dentist to maximize their benefits. Our Advantage network offers discounts for all services covered, or not. This means your employees can: Receive non-covered services at a lower rate Save on services above their annual maximum See how the savings stack up: Value 1 Dental Plan 1 exam $0 $57 1 cleaning $0 $102 $0 $70 White filling $71 $175 Deductible $0 N/A Total cost $71 $404 Total savings $333 Value 2 Dental Plan 1 exam $0 $57 1 cleaning $0 $102 $0 $70 Root canal front tooth $119 $826 Deductible $50 N/A Total cost $169 $1,055 Total savings $886 Value 3 Dental Plan 2 exams $0 $114 2 cleanings $0 $204 $0 $70 Sealant $0 $61 Crown $618 $1,162 Deductible $0 N/A Total cost $618 $1,611 Total savings $993 Eye Examination (once every 12 months) Vision Discounts Member Pays Vision Benefits Member Pays Complete eye examination 15% off usual and customary $20 Frames (once every 24 months) Frames Vision coverage benefits everyone even those who don t need glasses or contacts. That s because eye exams can detect problems such as glaucoma, cataracts and diabetes-related eye disease sometimes before they affect a person s ability to see clearly. Whether you pick vision discounts or full vision benefits, your employees can save on nearly every service when they choose a participating provider at one of our more than 42,000 access points.* This includes private-practice ophthalmologists and optometrists, plus regional and national retailers. And, they can be confident in their decision since our network is backed by a nationallycertified provider credentialing process to guarantee the best quality care. Compare the differences: Spectacle Lenses (once every 12 months) Frames up to $70 retail: $40 Frames more than $70 retail: $40, plus 10% off the amount over $70 Collection Fashion: $0; Designer: $0; Premier: $25 Non-Collection: $0 ($130 allowance, 20% discount on remaining balance) Single vision / bifocal / trifocal / lenticular $35 / $55 / $65 / $110 $30 Options (add to spectacle lenses prices) Lenses Glass: $18, Polycarbonate: $30 Polycarbonate: $30 Tinting of lenses Solid: $10, Gradient: $12 $0 Coatings: Scratch-resistant / ultraviolet $15 / $15 $0 / $12 Anti-reflective coating Standard: $45 Standard: $35, Premium: $48, Ultra: $60 Progressive lenses (standard / premium) $75 / $125 $50 / $90 Intermediate vision lenses $30 $30 Blended invisible bifocal lenses $20 $20 High-index lenses / polarized lenses $55 / $75 $55 / $75 Photochromic glass lenses $35 $20 Plastic photosensitive lenses $65 $65 Contact Lenses in lieu of eyeglasses (once every 12 months) Contact lens evaluation Contact lenses Value-Added Features 15% off usual and customary Conventional: 20% off usual and customary Disposable/planned replacement: 10% off usual and customary Collection: $30, Non-Collection: Member receives 15% discount Collection: $0 (up to 8 boxes) Non-Collection: $0 ($130 allowance, 15% discount on remaining balance) One-year eyeglass breakage warranty Not included $0 Lens123 membership Laser vision correction Free membership with up to 60% off retail prices Member receives up to 25% discount on provider s usual fee, or 5% discount on advertised specials, whichever is lower $0 Member receives up to 25% discount on provider s usual fee, or 5% discount on advertised specials, whichever is lower * Based on United Concordia internal research and reports, 05/14 * Based on United Concordia internal research and reports, 05/14

5 Dental and Vision: Better Together Increase Productivity Employed adults lose more than 164 million hours of work each year due to dental disease or dental visits. Employees also risk missing additional work hours when their children suffer from poor oral health. 1 Preventing dental problems before they become serious is critical to improving presenteeism and performance. Poor vision can decrease employee performance by as much as 20 percent, and vision disorders account for more than $8 billion in lost production each year. 2 Increase Employee Satisfaction Dental benefits are highly valued by employees, and access to dental benefits plays a significant role in employees evaluation of their prospective employers percent of employees rate the availability of vision benefits as extremely important. 4 A robust benefits plan is an attractive recruitment tool and a great way to keep employees happy. The United Concordia Advantage Not only can you meet the dental and vision care needs of your workforce, but you can count on United Concordia for simplified administration: One point of contact for both vision and dental coverage One enrollment One bill Get Started Today! } Contact your producer or dental representative at US Department of Health and Human Services. Oral Health in America: A Report of the Surgeon General Executive Summary, The Vision Council, Vision Care. Focusing on the Workplace Benefit, Fall National Association of Dental Plans Consumer Survey, LIMRA, What is $1 Billion an Hour Worth? Employee Perspectives on Benefits, 07/10. ERC Representative listing of covered services exclusions and limitations apply. Group Dental Insurance Policy provides a detailed description of benefits, limits and exclusions, renewal, cancellation and cost information. In the event of conflict, the Policy will govern. Visit UnitedConcordia.com or call for details. United Concordia policies cover only dental benefits. Vision benefits are administered by Davis Vision, Inc. Vision discounts are not insurance and are available only from Davis Vision contracted providers. Products available in PA only. This advertisement is not an offer of coverage or a proposal of insurance. Underwritten by United Concordia Life and Health Insurance company. The administrative office is located at 4401 Deer Path Road, Harrisburg, PA