1. Colby College Effective Date: January 1, 2019 Group Number: 62582

2. About Delta Dental
Dental is what we do. We were the first. We are the dental industry’s experts
We are consistently rated as the best dental benefits company in the nation
Not-for-Profit with strong community partnerships
Local company with national capabilities (seamless national network)
Main Street, not Wall Street feel

3. Delta Dental by the Numbers
Delta Dental covers more than 78 million people in over 146,000 groups across the United States → We cover 1/3 of those with dental insurance → We cover nearly 1/2 of the Fortune 1000 companies
93% of members surveyed were very satisfied/satisfied with Delta Dental
Our national subscriber retention rate is 90.13% (97.5% in ME)

4. Delta Dental Provider Networks
You can see any dentist
Two provider networks – The largest locally and nationally → 80% of dentists nationally are in the Delta Dental Premier® network (83% in ME) → 50% of dentists nationally are in the Delta Dental PPO® network (59% in ME)
93% of all claims submitted to Northeast Delta Dental are paid to network dentists → No balance billing; No up-front payment; No claims paperwork

5. Dental Monthly Rates Coverage Type Total Premium College Portion
Employee Portion
Individual
$39.00
$31.00
$8.00
Employee + 1
$72.00
$43.00
$29.00
Family
$131.00
$79.00
$52.00

7. Full Charge of Procedure Delta Dental’s Allowance*
Here is an example of how the Delta Dental PPO plus Premier arrangement works:
Delta Dental
PPOSM
Delta Dental Premier®
Non-Network
Dentist
Full Charge of Procedure
$1,000
Delta Dental’s Allowance*
$800
$900
$1000
Coinsurance Percent
50% ($400)
50% ($450)
50% ($500)
Patient’s Payment
$400
(800 - $400 = $400)
$450
($900 - $450 = $450)
$500
($1,000 - $500 = $500)
*Because Delta Dental network dentists have agreed to accept a lower reimbursement for services, subscribers have higher benefits and lower out-of-pocket costs. This means real cost savings.

8. Example – Prorated Ortho Case:
Total Case Fee (Including records, retention, and post-treatment recall exams)
$5,000.00
Total Approved Case Fee
Contract Maximum
$1,500.00
Active Months in Treatment
36 months
Length of Active Treatment remaining*
8 months
Co-Payment %
50%
Northeast Delta Dental’s Total Liability
$ ($ 5,000/36 = $ X 8 =
$ 1, x 50% = $ )
Monthly Payments
$ (7 months)
Final Payment
$ 69.47
*The estimate for remaining length of active treatment is based on the experience of similar past cases. In the few cases where the length of active treatment exceeds the estimated treatment time remaining, Northeast Delta Dental will, upon request, review the case for any additional payment that is determined.

10. Patient-Centered Dental Benefits

11. Benefit Look-Up www.nedelta.com Print ID cards
View benefits, claim, EOBs
Find a Dentist
Register for SmileCoach®
Read you Dental Plan Description booklet
Download forms

13. ID Card Sample Receive two ID cards to your mailing address
Both ID cards in primary subscribers name
Print more as needed via Benefit Look-Up or download our Mobile App
Dentists can verify coverage and submit claims without ID cards as well

14. Questions