Active PPO. Advantage Plus, a national networks of general dentists and specialists. Employer-funded, Voluntary

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1 Plan Design Minimum Participation Customized Plan Designs Network Funding Options Active PPO Minimum of 10 enrolled employees and 20% participation Groups with 2 9 employees: participation required (where available) Available for groups with 200 or more enrolled employees Advantage Plus, a national networks of general dentists and specialists Employer-funded, Voluntary Features Innovative dental PPO designs with flexible, affordable program options and no waiting periods Preventive Incentive standard on all plans ALL covered Class I services do not count toward annual program maximum Large, national networks offering excellent access and savings* Same coverage percentage for both network and non-network care Quality management practices that assure cost savings through pre- and postpayment utilization reviews group Administrator Benefits Plan designs encourage members to seek care from participating dentists Preventive Incentive encourages employees to focus on preventive care and, unlike maximum rollover options, is simple and easy to understand Secure online enrollment and eligibility management tools Informative enrollment materials for employees Experience-rating for larger groups Available with or without benefit waiting periods for voluntary programs Member Benefits Freedom to seek care from any licensed dentist Significant cost savings, no claim forms and no balance billing (for covered services) when using a network dentist No waiting periods Preventive Incentive benefit feature leaves members with more benefit dollars for other covered dental procedures Easy access to benefit information online or toll free, 24/7 Preventive care and educational resources that promote better oral and overall health For more information, contact your United Concordia representative or visit our website at PGI-Pref-0909 * PPO network savings based on United Concordia internal research and reports, 07/09.

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