EMPLOYEES • More than 1,000 dedicated workers at 23 offices across the United States1

• Licensed insurer in all 50 states and the District of Columbia

CUSTOMER SERVICE 1

• First call resolution—97%

• Average speed to answer—21 seconds

• Abandonment rate—1%

• 168 U.S. based telephone representatives

NETWORK • More than 44,000 unique dentists at over 180,000 access points

nationwide in the ParNet Advantage Network1

CLAIMS PROCESSING 1

• 90% non-investigated claims finalized within 14 calendar days

• 98% non-investigated claims finalized within 30 calendar days

• 99% financial accuracy

• 91 claims processors—non-management claims personnel with average length of experience of over 12.5 years

• 77% auto adjudication rate

CERTIFICATION • Information security systems meet National Institute of Standards and Technology (NIST) requirements for

Department of Defense physical security3

PRO-0050-0121-PARNET

Fast Facts AboutUnited Concordia DentalPARNET ADVANTAGE NETWORK

MEMBERSHIP CLIENTS

More Than 8.8 Million Members1

(Including 1.8 million Tricare members)More Than 21,000 Clients1

44,000UNIQUE

DENTISTS

180,000ACCESSPOINTS

ParNet Advantage Network:

EXPERIENCE A.M. BEST RATINGREVENUE

More than 45 Years of Experience1

A (Excellent)A.M. Best Rating2

Revenues of $1.5 Billion in 20191

PRODUCTS AND PROGRAMSA full range of plan designs with a variety of funding and contributions options including:

Traditional Plans: • Preferred (Active) and Flex (Passive) PPOs for groups of all sizes • DHMO plans in select areas

Low Cost Plans: • Smile for Health®-Value Plans—four plans that include vision discounts for one affordable price

Innovative Plans: • Smile for Health®–Wellness—an innovative program that ties gum-disease treatment to improved

overall health and reduced medical costs for members who are pregnant or have certain chronic medical conditions

• Concordia EPO—Only available in AZ, CA, and NJ. In network only benefits to allow employers to reach a lower price point than that of traditional products.

• Triple Access POS—Only available in CA. Three tiered network product featuring an EPO network, PPO network, and out of network benefits to provide members with a combination of both network access and affordability.

The College Tuition Benefit®: • A savings program that helps families afford college. Members earn Tuition Rewards® points

redeemable for tuition discounts at more than 400 participating private colleges and universities.

UCVisionSM Plans in Select Areas

Pediatric Smart Savings Riders—Provides a group that embeds pediatric dental benefits in their medical plan the ability to receive a discount on their standalone dental premium by removing duplicate coverage for most preventive (cleanings, exams, etc.) services for members under the age of 19 • Pediatric Smart Savings—removes exams/cleanings only for members under age 19 • Pediatric Smart Savings Plus—removes exams, cleanings, x-rays, fluoride treatments and sealants for

members under age 19

CORPORATE SOCIAL RESPONSIBILITY • Awarded $23,500 in dental scholarships provided to 16 students at 8 different colleges and universities • Through our dental outreach sponsorships in 2019, nearly 16,600 people were provided with free dental

care services valued at over $13 million1

1. Based on United Concordia internal research & reports, 11/202. A.M. Best, UCCI, 07/193. NIST certified since 03/13

Tuition Rewards® is a Registered Trademark

SAGE is not a subsidiary or affiliate of United Concordia Insurance Company (UCIC). Subject to eligibility requirements and terms and conditions. Tuition Rewards are not an insured benefit, but instead a program offered through a Plan Sponsor Agreement with SAGE. Program participation subject to enrollment with SAGE. “Points” are credits that may be used to discount the cost of Tuition and have no cash value. UCIC does not provide services related to this program. Tuition Rewards not available in all jurisdictions. Program subject to change without notice. United Concordia makes no representations regarding tax laws or any tax consequences of this Program. Please consult your tax advisor regarding your tax situation.

Dental plans are administered by United Concordia Companies, Inc. and underwritten by United Concordia Insurance Company of New York, United Concordia Insurance Company, United Concordia Dental Plans, Inc., United Concordia Dental Plans of California, Inc., United Concordia Dental Plans of the Midwest, Inc., United Concordia Dental Plans of Pennsylvania, Inc., and United Concordia Dental Plans of Texas, Inc. Not all products are available in all jurisdictions. Vision benefits are administered by Davis Vision Insurance Administrators in CA and by Davis Vision, Inc. in all other states. Vision discounts are not insurance and are only available from Davis Vision contracted providers. For information about which companies are licensed in your state, visit the “Disclaimers” link at www.UnitedConcordia.com. Administrative and claims offices are located at 4401 Deer Path Road, Harrisburg, PA 17110.