Dental Blue® - Dental plan for groups

With Dental Blue, employers have the freedom to decide whether to contribute to their employee’s dental coverage. Employers who choose to contribute purchase the True Group plan. Employers who wish not to contribute can still offer their employees coverage with the Voluntary plan. True Group requires that the employer contribute at least 50% of the employee premium. To take advantage of True Group, at least 75% of a company’s employee’s must enroll. True Group also allows customization. Employers can design a dental plan by selecting a combination of deductible, annual maximum and coinsurance amounts. In addition to providing diagnostic/preventive, basic and major dental services, the True Group plan offers employees the added benefit of optional orthodontic care. This coverage includes a 50% coinsurance level with a choice of different lifetime maximums. Employers can also offer voluntary dental benefits to their employees. The Voluntary plan provides dental coverage for employees without incurring expense for the employer. To offer a Voluntary plan, at least 30% of a company’s employee’s must enroll. Employees can choose to pay the full premium through convenient payroll deductions. Employers can purchase a dental plan in conjunction with a health plan or purchase a dental plan only. If employers combine a Dental Blue plan with a Blue Cross and Blue Shield of North Carolina® of North Carolina health plan, they will pay only one bill and their employees will have only one ID card. ® mark, SM marks of the Blue Cross and Blue Shield of North Carolina® Association. SM1 mark of Blue Cross and Blue Shield of North Carolina® of North Carolina. Group Coverage Designed for companies with up to 50 employees With Group Coverage, employers can choose from more than 1,000 benefit combinations and make choices based on their particular needs and budget. Employers can customize one of the following plans:

• Blue Care®® HMO – An HMO plan offering direct access to a large network of providers and specialists. Covers worldwide urgent and emergency room services.1 Includes in-network benefits only.

• Blue Options^SMSM PPO – A preferred provider organization (PPO) with the largest network of doctors and specialists in the state. Members have the freedom to choose in- or out-of-network care and are covered across the country and in more than 200 countries and territories worldwide.1

• HSA – Pairs a high-deductible Blue Options^SM plan with a health savings account (HSA) and offers lower premiums than traditional plans. Both employers and employees can make tax-free contributions to the HSA. Members use HSA funds to pay out-of-pocket health care expenses and enjoy negotiated provider rates, even before meeting their deductible.