Your mouth says a lot about your health. Anthem is listening.. 1 CONFIDENTIAL

Agenda Introductions Network/savings REEP Dental Plan - key features –International travel benefit –Ask a hygienist –Coming soon…. Customer service Claim statistics Questions 2 CONFIDENTIAL

Anthem Dental Strong on its own. One of the largest networks in the nation Best-in-class service Coverage that supports overall health 33 CONFIDENTIAL

National Dental Network: Unique Dentists The National Dental GRID and GRID+ are networks managed by the GRID Dental Corporation, a separate company that provides access to dental networks and services on behalf of Anthem Blue Cross and Blue Shield. 4 CONFIDENTIAL

Your local network Anthem Dental Complete Unique dentists Access points Anthem National Complete Network 99,438258,930 16,605 42,205 CALIFORNIA COMPLETE NETWORK access points unique dentists 5 CONFIDENTIAL

6 Our dental plans give you a lot to smile about. 1 As of March 30, 2015 CONVENIENCE Administrative simplicity, including one bill for our clients and one ID card for our members SAVINGS On average, members save 30%-32% on covered services CHOICE We offer access to one of the nation’s largest dental networks, with over 97,000 dentists at 236,000 locations 1 CONFIDENTIAL

A regular trip to the dentist is a strong first line of defense. 120 medical conditions can be detected with a dental exam People are 2X more likely to get a dental exam than a physical 7 CONFIDENTIAL

REEP offers 9 (A through I) plan designs available to meet your employee needs Depending on the plan, member will have key benefits such as: Two cleanings per calendar year in Plans B, E, F G and Four cleanings per calendar year in Plans A, C, D, H, I Tooth-colored fillings on front teeth and are covered at the cost of amalgam on back teeth Sealants through age 13 and fluoride treatments through age 18 Dental services due to accidents at covered at 100%, no deductible in Plans A, C, D, H and I Dental implants in Plans A, C, D, H and I International Emergency Dental Program for emergency services while members are traveling or working abroad available in all plans Ask a Hygienist box available in all plans We’re all about flexibility. And great coverage. 8 CONFIDENTIAL

International Emergency Dental Program Emergency dental treatment for the international traveler Access to comprehensive emergency dental benefits while working or traveling nearly anywhere in the world. Participating dentists are credentialed, speak English and meet the requirements to practice dentistry in their home countries. Emergency dental care received from an International Emergency Dental Program dentist is reimbursed in full and does not count toward the member’s annual plan maximum. Claims are paid directly to the member in U.S. currency, since the patient pays the bill at the time services are rendered. The International Emergency Dental Program is managed by DeCare Dental, LLC. DeCare Dental is an independent company offering dental management services to Anthem Blue Cross and Blue Shield. 9 CONFIDENTIAL

10 CONFIDENTIAL Ask a Hygienist Box Members can receive free personalized advice on a variety of oral health related topics from our team of licensed dental professionals. This direct interaction with members can help improve oral heath and reduce long-term costs because prevention is the key to better health. Members access the link to the new “Ask a Hygienist” service when they log into the dental member portal. From there it’s simple – members enter their name, address and their question(s). Once submitted, the member will receive a direct response within 24 hours.

11 CONFIDENTIAL Coming Soon…. Mobile app for "Ask the Hygienist“ Dental Cost Estimator tool (soon to be an app also) Complete In-Network expansion

Fast and accurate claims processing that beats the industry average *Anthem Customer Service Statistics as of 8/15/ % first call resolution* 2.2 days to pay average claim* 98% of claims paid within 10 business days* 12CONFIDENTIAL

When you call us, a dental specialist answers. Our customer service reps specialize in dental insurance, not medical, and they can answer questions about claims, eligibility, benefits and finding a dentist. Available weekdays, 5AM – 5PM PST Plus, members have access to 24/7 online resources through anthem.com/mydentalvision Search for in-network dentists Look up claims history Verify eligibility Check plan information Ask a Hygienist service Research oral health information 13CONFIDENTIAL

We make it easy and affordable. Our dental plans are built for greater choices, better health and ultimate business value. Thank you! 14 CONFIDENTIAL