Our Commitment Our Goal To provide our customers

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. 99. 81% First call resolution* 211, 000 Calls answered in 2017* *Renaissance Dental 2017 data

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

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.

Value of Dental Benefits • Dentists are in the unique position to detect undiagnosed conditions because they usually see patients more often than 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!

The Senior Market • 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

Brochure

Plan 1

Vision Benefit Overview

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

Stacked PPO Network • Combined access of Careington and Dente. Max national PPO networks. Medicare compliant. Discounts of 25 -40% • Connection Dental (PPO USA) has a strong rural presence, discounts averaging 2530% and is URAC accredited and Medicare compliant. • Proprietary network supporting targeted recruitment in select locations.

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

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:

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

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

Dental Claim Processing • 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. * *Renaissance Dental 2017 data

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

Member Services • Experienced, well-trained representatives – Centrally located in Indianapolis, IN with all employees located in the United States – Advisors have the capability to: • • 99. 81% Process adjustments Handle emergency eligibility updates Of calls resolved on first Audit-release pended claims contact* 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: 00 pm EST – Online Toolkits *Renaissance Dental 2016 year-end data

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

Thank you! Greg Olund Renaissance