Dental Product Overview

1. Dental Product Overview

2. Agenda • Who is DBP? • Who is MorganWhiteGroup (MWG)? • The MWG Dental Plan/DBP Partnership • Dental Product Overview • Underwriting Guidelines and the Quoting Process • The Dental PPO Network • Sales Support Tools/Marketing Materials • Case Installation • Preparing yourself to Sell Dental • Questions and Answers

3. Who is DBP? • Founded in 1984 • Turnkey - Dental outsourcing specialist • Private-label focus and philosophy • Headquartered in Rockville, MD • Serving over 3 million members • National PPO network - over 55,000 dentists

4. Who is MorganWhiteGroup? • Founded in 1987 • Headquartered in Jackson, Mississippi • Over 15 years experience marketing Voluntary Dental Plans. • Over $50 Million in Health and Supplemental Benefits Premium in force. • Over $10 Million in Voluntary Dental Premium. • Provides administration services for over 30 insurance companies.

5. Dental Product Overview • Plan Options • Voluntary and Contributory • Indemnity (Traditional) • Passive PPO • Incentive PPO

6. Dental Product Overview Indemnity Dental Options • One Plan design available • The Benchmark Plan (MWGI1001) • No Network - Freedom to utilize any provider • Services paid at the 85th percentile of HIAA(member responsible for any charges not covered by plan)

7. Dental Product Overview Passive PPO Dental Options • Two Plan Designs Available • The Open Choice Plan (MWGP1001) • The Opportunity Plan (MWGP1003) • In and Out-of-Network services covered at the same benefit levels • In-Network members pay only negotiated fees for covered services (no balance billing) • Freedom to choose any Dentist • No referrals required for Specialty Care

8. Dental Product Overview Incentive PPO Dental Options • One Plan Design Available • The Incentive Plan (MGWD1002) • Covers both In and Out-of-Network benefits • Richer benefits available for In-network services • No balance billing to member In-network • Freedom to choose any Provider • Maximum member savings In-Network • No referrals needed for Specialty Care

9. Dental Product Overview Custom Dental Plan Options • Build the plan you need to compete • Indemnity, Passive PPO and Incentive PPO • Voluntary and Contributory Plans • Group Qualification: 200+ eligibles • All quote requests come to MorganWhiteGroup at: robinw@morganwhite.com • RFQ must be accompanied by complete data requirements

10. No Deductible No Waiting Periods Out of Network paid at the 85th Percentile of UCR $1,000 per person per year maximum Diagnostic and Preventative paid at 90%. 1 office visit, Exam, 1 set of bitewing x-rays, and cleaning every six months Fillings and Simple Extractions paid at 80%. One, two, three, and four surface amalgams and simple extractions New Basic Dental PlanUnderwritten by United Healthcare Insurance Company Rated A+ Superior by A.M. Best

11. MorganWhiteGroup Dental Plans DPO Reimbursement based on the negotiated provider fee schedule; UCR Reimbursement based on Usual, Customary & Reasonable (UCR) charge.

12. Underwriting Guidelines Dental Quoting Process • Groups under 200 eligibles/enrolled will be quoted from your General Agent or directly from MorganWhiteGroup. • Internal MWG Dental Process: • Direct all rate requests to robinw@morganwhite.com or Fax request to Robin Williams at 1-601-956-1702 or call 1-800-800-1397 or 601-956-2028 ext. 116. • Data elements needed • Situs zip code • Current Rates (copy of current billing, states and current enrollment by tier • Effective date of coverage

13. Underwriting Guidelines Quoting Process - 200+ Groups • Build the plan you need to compete. • Passive PPO, Incentive PPO, Indemnity • Group Qualification: 200+ eligibles • All quote requests come to robinw@morganwhite.com • Data requirements • Group Name, Effective Date, and SIC Code • Census File(with age, gender, zip code, and enrollment tier of each employee) • Employer’s Zip Code, Specific Broker Commission Percentage, Whether group is voluntary or contributory, and Current and Proposed Plan Design(s). • Historic Claims vs. Premium reports (3 years of history) • Underwriting will return a quote via email with in 7 business days.

14. Underwriting Guidelines Quoting Process - 200+ Groups • All 200+ groups quoted by MorganWhiteGroup • Standard plans and Custom plans • Underwriting Response will include: • Rate Proposal and Underwriting Confirmation Form (including Assumptions and Considerations) • Exclusions and Limitations • Custom Benefit Grid (custom plans for groups over 200)

15. Case Installation Process Workflows and Forms Workflow • Prepare Group Quote • Obtain Group Application • Coordinate Enrollment • Send all Enrollment Materials to MorganWhiteGroup • Distribute Group Policy and Employee Certificates • Dental Claim Forms

16. The Dental PPO Network Network Information • Locating a Network Dentist: • Toll Free: 877-778-4104 • Go to www.mwgdental.com website and touch member services button. Then dental provider search page

17. Sales Support Tools/Marketing Materials Collaterals and Tools • Product Brochure • Plan Design grid • Short Proposal • MWGDental.com Website

18. Member Services and Claims • Dental Claims Address: Morgan White Dental Claims P.O. Box 30566 Salt Lake City, Utah 84130-0566 • MWG Dental Member ServicesNumber: Toll Free: 877-778-4104 • Locating a Network Dentist: • Toll Free: 877-778-4104 • Link from www.mwgdental.com website to members button and then dental provider button for dental provider search page

19. Preparing Yourself to Sell Dental Tips on Comparing plans • Know your dental terminology • Things to look for in other plans: • Class shifting • Waiting periods • Annual plan maximums • Plan benefits vs. discounts • Gather specifics about existing plan • plan design/certificate of coverage • current and renewal rates • claims experience

20. Dental Facts and Figures • Do Employees want Dental? • Yes! Dental is the 2nd most popular ancillary health benefit. 175 Million people in the United States currently have dental coverage. • Will offering Dental benefit my Employer? • Yes! Through increased productivity. 2.5 Million work days are lost each year due to dental problems. • Will the Employer’s Employees benefit from a Dental plan? • Yes! Good oral health promotes good overall health. Periodontal (gum) disease has been linked to heart disease and low birth weight in babies. A dental benefit encourages total health and well-being for employees.