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Through CoPower and MetLife, you’ll have access to robust, ready- to-go dental plans with underwriting flexibility and relaxed participation, all from a carrier with more than 147 years of industry experience. We offer two MetLife choices: 1.Our SUITE packaged solution 2.Our standalone dental voluntary plans

CoPower SUITE bundles MetLife Dental and Life with VSP Vision to create a comprehensive ancillary solution. Available in three customized options:

MetLife offers two Dental PPO* options and one Dental HMO (DHMO)** option in this package. Groups with 5 or more eligible employees can select one of the DPPO options or the DHMO option for their employees and their dependents. Groups with 10 or more eligible employees may offer a “dual choice” plan with any two of the three available MetLife dental plans. *Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY **Dental HMO plans are available in California through a domestic company named SafeGuard Health Plans, Inc. The company is part of the MetLife family of companies. “Dental HMO” is used to refer to products offered by Specialized Health Care Service Plans in California.

No DE-9C required All on one single bill All on one single application Census enrollment available

With MetLife’s Voluntary Dental Plans, employers can still provide a rich, affordable and necessary part of their employees’ compensation package without impacting the company’s bottom line.

No waiting period for service Dental implant coverage Orthodontia available to 5+ groups Dual Choice available to 25+ groups PPO/DHMO combo (no PPO/PPO) 5 minimum on each plan or 35% of eligible enrollees Coverage in every state (excluding LA, MS, MT, TX) MetLife's DHMO is only available in 5 states: NY, NJ, TX, FL and CA Dental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc., a California corporation in CA; SafeGuard Health Plans, Inc., a Florida corporation in FL; SafeGuard Health Plans, Inc., a Texas corporation in TX; and MetLife Health Plans, Inc., a Delaware corporation and Metropolitan Life Insurance Company, a New York corporation in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. "DHMO" is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: "Specialized Health Care Service Plans" in California; "Prepaid Limited Health Service Organizations" as described in Chapter 636 of the Florida statutes in Florida; "Single Service Health Maintenance Organizations" in Texas; and "Dental Plan Organizations" as described in the Dental Plan Organization Act in New Jersey.

DHMO offers more than 400 covered services. Covered procedures include services such as: Implants Veneers Composite (white) fillings IV sedation General anesthesia Nitrous oxide Orthodontic treatment in progress at initial group enrollment

Negotiated fees accepted by participating network dentists generally range from 15–45% below the average charges in a dentist’s community Negotiated Fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

With such a large network, clients will never be far from a MetLife dentist. MetLife’s DHMO: Offers over 9,416 participating California Access points MetLife’s PPO Preferred Dentist Program (PDP): Offers over 278,403 participating access points, and over 66,680 specialists

Empower is a full featured, groundbreaking, online administrative tool that allows you to: Track the growth of your commissions Manage all your groups easily Quickly add and terminate members View your groups’ billing and payments instantaneously Streamline administrative burdens View upcoming renewals Best of all, signing up is free and easy.

All CoPower members gain free access to our portfolio of value-add products, including HR Support Center for all employers. HR ANSWERLINK FREE 24/7 access to online HR support and a wide variety of Human Resource and compliance topics. DISCOUNT RX CARD FREE card with up to 75% discounts on prescription drugs. Honored at more than 56,000 pharmacies! WILD AT WORK Members enjoy savings on dining, theme parks, shopping and a host of other services. ESSENTIAL WEBINAR This webinar is held twice a month and offers information on CoPower services, Empower and value-add services.

Dedicated Group Representative Single point of contact New group onboarding & orientation webinars Phone, or online chat support Giving you an experience that is dynamic, empowering, relevant and sensible.

Thank You! | & Like most group benefits programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for costs and complete details. "Metropolitan Life Insurance Company, New York, NY."