Our Commitment

2. Our Commitment • Our Goal • To provide our customers with flexible plans that meet their needs, develop and maintain lasting relationships, and ensure our customers receive the best value when choosing us. • Dedication to Service • We work to provide the best possible service by bringing all claims, customer service and account support together under one roof. 211,000 99.81% First call resolution* Calls answered in 2017* *Renaissance Dental 2017 data

3. Value of Dental Benefits • Dental benefits are: • A highly desired benefit • Helpful for piece of mind • Cost effective; they save by: • Emphasizing prevention • Keeping people productive • Detecting and treating diseases early • Very helpful in maintaining overall health

4. Value of Dental Benefits • According to the Surgeon General and the American Dental Education Association, each year poor oral health results in: • 51 million school hours missed¹ • More than 164 million work hours lost² • Good oral health is important to overall health • People with dental benefits are twice as likely to visit a dentist • Regular care means teeth last longer Data sources:: 1 Oral Health in America: A Report of the Surgeon General, 2000.2 American Dental Education Association: Journal of Dental Education, June 2001.

5. Value of Dental Benefits • Dentists are in the unique position to detect undiagnosed conditions because they usually see patients more oftenthan physicians • More than 120 signs and symptoms of non-dental diseases can be detected during a routine oral exam • Diabetes • Oral cancer • Heart disease • Kidney failure • Eating disorders Preventive care is more important than ever!

6. In 2018 there will be approximately 4 million seniors turning age 65 10,000 per day Prospects looking for help in navigating the financial and healthcare decisions Population that has often had dental and/or vision coverage in the past and appreciates the value Attractive add on products that enhance your value to the customer The Senior Market

7. Brochure

8. Plan 1

10. Vision Benefit Overview

12. Renaissance Dental PPO Member benefit dollars go farther with Renaissance Dental • More than 300,000 office locations and over 90,000 unique providers allow Renaissance Dental to provide one of the nation’s largest dental PPO networks* • Freedom to choose any dentist, but lower out-of-pocket costs with in-network dentists • Renaissance Dental PPO dentists cannot balance bill • Dentists in-network accept a reduced fee for even more savings • Network dentists are paid directly, so there’s no paperwork for patients to file • Participating dentists abide by processing policies *As of 01/01/2017

13. Stacked PPO Network • Combined access of Careington and DenteMax national PPO networks. Medicare compliant. Discounts of 25-40% • Connection Dental (PPO USA) has a strong rural presence, discounts averaging 25-30% and is URAC accredited and Medicare compliant. • Proprietary network supporting targeted recruitment in select locations.

14. It’s Easy to Find Participating Dentists • Visit our websites • Renaissance www.RenaissanceDental.com • Member Site www.MyRenBenefits.com • Log into our Benefit Manager and Dental Office Toolkits • Call Customer Service • (800) 963-4596

15. Payment Example As an example, say a patient visits the dentist for a covered service. If the submitted charge of $950 is covered at 50 percent, here’s the out-of-pocket cost and savings when visiting an in-network dentist:

16. VSP Partnership • Renaissance partnered with industry leader VSP to deliver quality vision solutions • VSP boasts: • Over 68 million members • Partner with eye care professionals to deliver the best patient experience • Optometrists are Therapeutic Pharmaceutical Agent (TPA) certified and ophthalmologists are American Board of Ophthalmology (ABO) certified • Credentialing process compliant with the National Committee for Quality Assurance (NCQA) standards

17. VSP Partnership • All VSP doctor locations accept new patients • Dental and vision coverage is combined into one monthly payment for easy administration and clarity • Vision coverage includes additional discounts for lenses, frames, and contacts • All VSP providers offer a wide selection of contact lenses and frame brands so that customers can find the pair that’s right for them

18. Industry leading, proprietary claim system and claim logic drawn from decades of experience and refinement 20 million claims per year flow through this system. 96.37% of all claims processed in 10 days or less.* Fraud and abuse management through “Focused Review” 86.74% drop-to-pay rate for clean claims – no manual intervention required.* Dental Claim Processing *Renaissance Dental 2017 data

19. Quality Guarantee • Proud financial strength rating of “A” (Excellent) by A.M. Best Company • Our years of experience and plan designs are the foundation of our unwavering success • Significant rating for a supplemental carrier • Continued strength through leadership • We strive to continually maintain the highest financial and quality standards in the industry

20. Member Services • Experienced, well-trained representatives • Centrally located in Indianapolis, IN with all employees located in the United States • Advisors have the capability to: • Process adjustments • Handle emergency eligibility updates • Audit-release pended claims • Order ID/reference cards • Reprint EOBs • Work with an interpreter for Spanish-speaking clients • Work with Review department regarding grievance and appeal process • Easy access to answers • Toll-free number staffed from 8:00 am to 6:00pm EST • Online Toolkits 99.81% Of calls resolved on first contact* *Renaissance Dental 2016 year-end data

21. Online Services • MyRenBenefits • Group plan members can review benefit information, claim transactions, and print ID cards 24/7. MyRenBenefits • Dental Office Toolkit • Dental offices can quickly access previously submitted predeterminations, download EOBs, check statuses and more. Dental Office Toolkit

22. Thank you! Greg Olund Renaissance