mbraun benefits summary-Updated 8-19

Prevention is key Regular dental visits may do more than brighten your smile. Research shows receiving regular dental care often catches minor problems before they become major and expensive to treat. Practice prevention and take advantage of your plan’s preventive care services – certain services may be covered at low cost or no cost to you when you visit a network dentist. Covered services* may include, but are not limited to: › Oral exams › Cleanings › Fluoride treatments › X-rays › Oral cancer screenings * The following is not an exhaustive list of exclusions and limitations. See your plan documents for additional details. Exams, cleanings and fluoride treatments are limited to two per calendar year. Routine X-rays are limited to: Bitewings: Two per calendar year, non-routine X-rays are limited to: Full mouth: One every three calendar years; Panorex: One every three calendar years. The frequency limitations of certain other covered services are set forth on your plan benefit schedule.

We’re here when you need us We know that sometimes you need us at odd hours – late at night, on the weekend or during a national holiday. Sometimes your questions just can’t wait for “normal business hours.” › “My son is away at college. Can you help me find a network dentist close to his school?” › “My dentist told me I need a root canal. Does my dental plan cover this?” › “My husband has a painful toothache, but he’s in Phoenix on a business trip. Can you help me find a dentist?” That’s why our customer service hours include weekdays, Saturdays, Sundays and holidays. Call us at 1.866.494.2111 any time you need us – we’ll be there. We’re on the clock for you 24 hours a day, 7 days a week, 365 days a year. Health and wellness discounts Save money when you purchase health and wellness products and services through the Cigna Healthy

Rewards® program. 3 Programs include: › Weight and nutrition management › Fitness › Tobacco cessation › Vision and hearing care › Vitamins, health and wellness products

› Alternative medicine › Anticavity products › Healthy lifestyle products

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation. Cigna Dental Traditional (indemnity) plans are insured or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company (CGLIC). Cigna Dental PPO & EPO plans are insured or administered by CHLIC or CGLIC, with network management services provided by Cigna Dental Health, Inc. (CDHI) and certain of its subsidiaries. In Texas, the insured dental network product is referred to as the Cigna Dental Choice Plan, and this plan uses the national Cigna Dental PPO network. Cigna Dental Care (DHMO) plans are insured by Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California, Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware, Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health of Kansas, Inc. (KS & NB), Cigna Dental Health of Kentucky, Inc. (KY & IL), Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc., Cigna Dental Health of New Jersey, Inc., Cigna Dental Health of North Carolina, Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania, Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia, Inc. In other states, Cigna Dental Care plans are insured by CHLIC, CGLIC, or Cigna HealthCare of Connecticut, Inc., and administered by CDHI. OK form numbers: Indemnity/ DPPO: HP-POL99 (CHLIC) & GM6000 ELI288 et al (CGLIC); DHMO: HP-POL115 (CHLIC), GM6000 DEN201V1 & GM6000 DEN200V1 (CGLIC). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. 874564 a 10/15 © 2015 Cigna. Some content provided under license. 3. Healthy Rewards is a discount program. If your plan includes coverage for any of these services, this program is in addition to, not instead of, your plan benefits. Healthy Rewards programs are separate from your benefits. A discount program is NOT insurance, and you must pay the entire discounted charge . Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. 1. www.cdc.gov/oralhealth/factsheets/dental_caries American Dental Association; May 31, 2012, CDC report: Selected Oral Health Indicators in the United States, 2005-2008. 2. Surgeon General’s Report on Oral Health in America, Centers for Disease Control and Prevention, July, 10 2013, Preventing Dental Caries With Community Programs.

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