1. DentalBlue Something to Smile About Lincoln County Health System

2. DentalBlue Dental is the second most requested employer benefit only behind medical Despite increased attention to health, many adults neglect dental care. Approximately 98 percent of all serious dental problems begin with gradual deterioration of the teeth and gums. An estimated 7 million days of work are lost in the United States annually because of "dental conditions." New studies show that dental health is linked to other serious medical conditions such as heart disease, diabetes, stroke and birth of pre-term low-birth weight babies. Regular exams can also detect oral cancers. Dental Care Is Important

3. DentalBlue DentalBlue offers: Periodic dental exams and cleanings Low or no cost sharing on routine exams and x-rays Savings on periodontics, endodontics, oral surgery and more Largest dental PPO network in the state Freedom to choose any dentist Dental Care Is Part of Your Overall Health

4. DentalBlue Considerable cost savings when using a dentist who is a Network Provider 70% of all dentists in Tennessee are in the network, over 2,000 in all Network dentists have agreed to discount fees that can save you an average of 15-30% off retail charges Periodontal surgery can cost $800 or more, but may only cost $560 if a network dentist is used. If your plan pays 50% for Coverage C you can pay $400 or $280 depending on the dentist you use. National network coverage through DenteMax – Now if you or a family member lives or travels outside of the service area can have access to over 65,000 dental network providers Advantages of In-network Care

5. Benefits are arranged into four levels of coverage, A-D. Your plan only provides coverage for level A and B services. The standard coverages are summarized on the next four pages. However, this summary should only be used as a general guide as there are additional limitations and exclusions which will apply. A sample Evidence of Coverage and a Schedule of Benefits should also be made available to you. DentalBlue Standard Plan Designs

6. Coverage A includes: Diagnostic Services – exams, x-rays Preventive Services – prophylaxis (cleanings), fluoride, sealants, and space maintainers DentalBlue Coverage A

7. Coverage B includes: Basic Restorative Services – amalgam restorations (silver fillings), resin composite restorations (tooth colored fillings), and stainless steel crowns Basic and Major Endodontics – pulpotomy, pulpal therapy, and root canal treatment Basic and Major Periodontics – non-surgical periodontics, including periodontal scaling and root planning, debridement and periodontal maintenance procedures; surgical periodontics including gingivectomy, osseous surgery and grafting Basic and Major Oral Surgery - non-surgical or simple extractions, surgical extractions and other surgical procedures typically not covered under a medical plan Other Services – palliative (emergency) treatment for the relief of pain, denture repairs DentalBlue Coverage B

8. Coverage C includes: Major Restorative – crowns, inlays, onlays, veneers, and other restorative services Prosthodontic Services - fixed partial dentures (bridges), removable dentures, and other prosthodontic services These services are not covered under your plan. DentalBlue Coverage C

9. Coverage D includes: Orthodontic Services – for the straightening and alignment of teeth, including exams, photographic images, diagnostic casts, x-rays, installation, and adjustment of orthodontic appliances These services are not covered under your plan. DentalBlue Coverage D

10. DentalBlue DentalBlue brings you additional value: Responsive customer service here in Tennessee On-line claim look-up with BlueAccess Discounts on vision care, weight loss, health clubs, massage therapy, acupuncture and more with BluePerks DentalBlue Value Added Features

11. DentalBlue: Affordable plans A focus on preventive dental care Freedom to use any dentist Largest PPO network in Tennessee with national network access Big savings with In-network dentists. Value added features with BlueAccess and BluePerks Summary

12. Thank you. Any questions? Visit www.bcbst.com DentalBlue