Good oral hygiene and regular dental care is important throughout your life.

1. Good oral hygiene and regular dental care is important throughout your life. This Presentation is for training purposes only – See policy for complete benefit description Dental Choice Plus

2. Dental Choice Plus Introducing a new type of “hybrid” dental insurance policy that combines traditional fully insured benefits with PPO discount pricing.

3. Dental Choice Plus   Freedom of Choice • Unlike many PPO plans that will not pay anything if you go outside their network, Dental Choice Plus will pay the non-network provider at the same rate as if they were in network. • Your client will only be responsible for the non-network charges that are in excess of the pre-negotiated network fee schedule.

4. Dental Choice Plus Individual Dental Plan Employer Sponsored Plan • No waiting periods on Diagnostic and Preventive care benefits. • Diagnostic & Preventive paid at 100% when using a network provider. • Two plan options to choose from with Calendar Year Maximums benefits of either $1,500 or $2,000. • Over 169,000 access points across the United States. • eApplication enrollment In addition to the key benefits list for individual plans, employer sponsored plans are available. • Available for groups of 3 or more • $25 application fee is waived • List Bill eApplication enrollment • Rates for ages 65+

5. Dental Choice Plus Dental Choice Plus Benefits * Insured pays only the discounted pre-negotiated network provider rate. **Annual coinsurance amounts are based on policy years. $25 Application Fee For Individual Applications. Application Fees are waived for employer sponsored plans

6. Dental Choice Plus Good oral hygiene and regular dental care is important throughout your life • Given the suspected link between periodontitis and systemic health problems, prevention is the first step to maintain good long-term health. • Dental Choice Plus is economical because it focuses on benefits you need…not benefits you may never use. • Diagnostic & Preventive Services are paid at 100% with only a $25 co-pay when using a network provider. No waiting periods or deductibles.

7. Dental Choice Plus Dental Choice Plus focuses on providing the benefits you need to maintain good oral health at affordable prices Diagnostic & Preventative Services paid at 100% No Waiting Periods

8. The schedule applies to services provide by a participating General Dentist and is an extensive list of most common procedures. The purpose of this schedule is to establish the maximum fee that a General Dentist will charge for each listed procedure . Fee schedules are determined by the zip code of the participating provider. Participating Specialists do not charge according to this fee schedule but will give a 20% discount. Care PPO Schedule CI-3

9. Dental Choice Plus If the annual calendar year maximum benefit is exhausted, you can still take advantage of the pre-negotiated network provider’s fee schedule as long as you use a participating network provider. With over 169,000 access points across the United States Care PPO pre-negotiated fee schedule will apply to give continued savings even after the insured benefits are exhausted. If you go to a participating network provider who resides in a higher cost area we will pay based on the point of service provider at no additional cost.

10. Dental Choice Plus Area Rating Factors Based Three Digit Zip Code

11. Dental Choice Plus Rates Are Based On Resident Zip Code Area Child Only Rates Are Not Available $25 Application Fee For Individual Applications. Application Fees are waived for list bill business with 3 or more employees.

12. PHILADELPHIA AMERICAN LIFE INSURANCE COMPANYSM www.careington.com/co/PAL

13. PHILADELPHIA AMERICAN LIFE INSURANCE COMPANYSM Provider Search

14. PHILADELPHIA AMERICAN LIFE INSURANCE COMPANYSM Provider Search

15. PHILADELPHIA AMERICAN LIFE INSURANCE COMPANYSM Provider Search

16. PHILADELPHIA AMERICAN LIFE INSURANCE COMPANYSM Provider Search Results For 75070 Step 4

17. PHILADELPHIA AMERICAN LIFE INSURANCE COMPANYSM www.careington.com/co/PAL Administered by: Careington International Corporation 7400 Gaylord Parkway Frisco, TX 75034

18. PHILADELPHIA AMERICAN LIFE INSURANCE COMPANYSM Dental Choice Plus State Approvals VT ME WA ND MT MN OR WI NY SD ID MI WY PA IA OH NE NV IL IN WV UT VA AK CO MO KS KY CA NC TN OK SC AR AZ NM GA AL MS TX LA HI FL 3_14

19. Finally, a dental policy that covers the services you want at a price you can afford. Dental Choice Plus