See things more clearly with a Humana vision plan.

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1 See things more clearly with a Humana vision plan. Offering a vision plan not only promotes good vision health, but may also reduce total healthcare costs over time. A thorough eye health exam can help prevent vision loss, and also detect more serious diseases. You can feel good knowing Humana vision plans encourage prevention, early diagnosis, and treatment. Offer a Humana vision plan at little or no additional cost to your benefits budget. Add vision to your Humana medical or dental plan and save with our multiline discounts. Our unique network is one of the largest with more than 35,000 participating optometrist, ophthalmologist, and national retail locations. Your employees will get deep discounts (wholesale pricing) no matter which in-network provider they choose. Plus, they ll receive discounts on Lasik procedures. There are lots of frame choices with access to exclusive lines of designer frames, such as, Ralph Lauren, Dolce&Gabbana, Oakley, Prada, and Ray-Ban. Your employees can take care of eye exams and frames all in one visit. Many locations offer night and weekend appointments to fit your schedule. A vision plan is one of the top five most desired benefits, after medical insurance, by employees, according to LIMRA International.

2 Delta Dental offers the nation s largest networks Three out of four dentists throughout the United States participate in one or more Delta Dental programs. That makes Delta Dental s networks the largest in the nation. Best access to participating dentists Delta Dental s national point-of-service PPO program, Delta Dental PPO SM (Point-of-Service), provides enrollees with access to two of the nation s largest networks of participating dentists our Delta Dental PPO network AND our Delta Dental Premier network. In contrast, other dental PPO carriers can only offer access to their PPO network. As the only dental program to provide coverage under two networks, Delta Dental PPO (Point-of-Service) dramatically reduces the likelihood that enrollees are out of network. Dual network advantage Delta Dental network Delta Dental PPO dentists Delta Dental Premier dentists Network savings Nonparticipating dentists Competitors Other PPO dentists Nonparticipating dentists No network savings Our unique dual network gives Delta Dental PPO (Point-of-Service) enrollees access to special contract protections built into the entire Delta Dental Premier network. This results in more than 75 percent of Delta Dental enrollees nationwide using a network dentist compared to percent network utilization rates with other carriers PPO-only plans

3 Broad access results in savings Enrollees can choose to visit one of the more than 78,800 Delta Dental PPO dentists practicing in more than 158,600 locations/access points, or one of the more than 136,900 Delta Dental Premier dentists practicing in more than 240,100 locations/access points nationwide. No other carrier can provide such widespread access to participating dentists, as shown below: For the most savings: Enrollees will save the most money and receive the highest level of coverage when they visit a Delta Dental PPO dentist. PPO dentists have agreed to accept lower fees as full payment for covered services. If enrollees go to a dentist who doesn t participate in Delta Dental PPO, they can still save money if the dentist participates in Delta Dental Premier. Like Delta Dental PPO dentists, Delta Dental Premier dentists agree to accept Delta Dental s fee determination as full payment for covered services. However, coverage levels may be lower for some services. Participating dentists agree to accept Delta Dental s fee determination as full payment for covered services, which saves money for organizations purchasing our plans and for individuals covered by them. Providers also agree to abide by our processing policies, which prevent program abuses while ensuring our enrollees receive needed and appropriate care. Our Delta Dental PPO (Point-of-Service) program is extremely popular. In fact, the program represents nearly 75 percent of our business! Find out why call us today to learn more about Delta Dental s programs and outstanding access to participating dentists. Michigan: (877) Ohio: (800) Indiana: (800) Statistics: Delta Dental Plans Association, June v6 9/11 cc

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