1. Supplemental Insurance Protection
Dental Gen/SS
Approval Date: 08/27/2015
Code :
Supplemental Insurance Protection
Maine and North Carolina Dental
Bronze, Silver, Gold
Dental Insurance Policy
Form CH IP (1/08), or its state variation
State Specific Variations Enclosed
©2014 SureBridge® Product Training Materials | Proprietary and Confidential.
For more plan details, refer to the product materials.
The benefits described in this presentation are subject to all provisions, terms, definitions, and limitations and exclusions of the applicable policy.
Supplemental plans serve a specific purpose in the insurance market. These plans are not intended as substitutes for accident and sickness health insurance and should not be construed as such.

2. Supplemental Products Availability
SureBridge has the largest portfolio of supplemental products including critical illness, cancer, accident, disability, dental and vision policies. We also have the broadest marketing footprint. AK WA ID MT ME OR ND MN NH WI NY VT MI WY SD CA MA RI NV CT UT NE IA PA IL OH IN NJ CO WV DE MO VA KS MD KY HI DC AZ NC NM OK TN TX AR SC GA MS AL
All products available
Subset of products available
No products available LA FL

3. Supplemental Products Superior Client/Broker Experience
Quoting
Compare packages with different combinations of supplemental products
Present total price for solution
Commissions
First month’s premium is taken at time of application
This results in faster commission payments
Book of Business report available on the SureBridge Broker Portal
Application
Single e-app for any combination of supplemental products
Flexibility to select different products and/or benefit options for each family member on app
Smart app – only the questions for the products selected are asked
Simplicity – all questions are yes/no
Outlines of coverage provided
Claims
Claim forms are received, analyzed and adjudicated within a 7 day turn-around time

4. Dental Navigation
Dental is located under the Dental/Vision tab of the SureBridge Point of Sale Tool.
Senior Dental is located under the Senior tab of the SureBridge Point of Sale Tool.

5. Senior Market (ME Only) Non-Senior Market (ME and NC)
Dental Markets
Senior Market (ME Only)
Non-Senior Market (ME and NC)
Maximum Issue Age: 65-99
Maximum Issue Age: 0-64
Dependent Issue Age: 0-99
Dependent Issue Age: 0-64
Application: APP SRM D/V (01/12)
Application: APP (04/11)
Marketing Guidelines for Senior Market (ME Only)
Medicare Advantage plans may contain benefit provisions that could potentially duplicate the PPO Dental policy benefits.
If you are offering the PPO Dental policy in the senior market, you must determine if the potential applicant has existing dental coverage (refer to the application question regarding other coverage).
Do not offer a PPO Dental policy to a customer who has an existing Medicare Advantage plan with dental benefits or other existing dental coverage.

6. Dental Networks Network Information
All plans provide benefits for covered expenses through Network Providers and Non-Network Providers
Insured can go anywhere, but will maximize benefits by using Careington’s Maximum Care Network providers
Includes access to the Maximum Care Network providers for covered and non-covered services
Participating providers can be found by going to or by calling
Benefits are payable up to the scheduled maximum per calendar year, per insured or per family, based on the plan
Charges exceeding maximums are the insured’s responsibility

7. Dental Benefit Schedule
Benefit Description
Bronze
Silver
Gold
Availability
NC Only
ME and NC
Calendar Year Deductible Per Person $0
$100 per person per year, per calendar year
$100 per person per lifetime
Waiting Periods
0 months
0-12 months based on covered service. See Schedule of Benefits for details.
Preventative/Diagnostics
No Deductible, No Waiting Period
No Deductible, No Waiting Period for most services. See Schedule for details
Restorative Endodontics, Periodonics, Oral Surgery
No benefits available.
According to Schedule
Annual Benefit Maximum
$1000 per insured person
$1200 per insured person
Orthodontic Services
NC: No benefits available. Discounted by an In-Network Provider Only.
ME: $50 per month, up to $1000 Orthodontic Lifetime Maximum. 12 Month Waiting Period.
$50 per month, up to $1200 Orthodontic Lifetime Maximum. 12 Month Waiting Period.

8. Dental New Business/Underwriting and Renewability
New Business and Underwriting
This product cannot be sold with another dental plan offered by MEGA, Midwest, or CLICO.
Minimal application questions apply to this product.
Renewability Clause
State-Specific Differences
The Policy is guaranteed renewable to age 65, subject to Chesapeake’s right to discontinue or terminate coverage as provided in the termination of coverage section of the Policy.
ME: No age limit

9. Dental Exclusions & Limitations#
Exclusion & Limitation
Plan/State Specific Differences 1.
Any portion of a charge for any service not listed as a Covered Expense in the policy schedule/schedule of benefits 2.
Care, treatment, services or supplies that exceed the scheduled benefit amount; 3.
Treatment of disturbances of the Temporomandibular joint (TMJ); 4.
A service not furnished by a Dentist, unless by a dental hygienist under the Dentist’s supervision and x-rays are ordered by the Dentist. 5.
Cosmetic procedures, unless due to an injury or for congenital / developmental malformation. Facing on crowns, or pontics, posterior to the second bicuspid is considered cosmetic; 6.
The replacement of full and partial dentures, bridges, inlays, onlays or crowns that can be repaired or restored to normal function; 7.
Implants; replacement of lost or stolen appliances; replacement of orthodontic retainers; athletic mouth guards; precision or semi-precision attachments; denture duplication; or splinting; 8.
Plaque control; completion of claim forms; broken appointments; prescription or take-home fluoride; or diagnostic photographs;

10. Dental Exclusions & Limitations#
Exclusion & Limitation
Plan/State Specific Differences 9.
Replacement of any prosthetic appliance, crown, inlay, or onlay restoration, or fixed bridge within 5 years of the date of the last replacement, UNLESS due to an injury;
10.
An initial placement of a partial or full removable denture or fixed bridgework if it involves the replacement of one of more natural teeth lost before coverage was effective under this Policy. This limitation does not apply if replacement includes a natural tooth extracted while covered under the Policy;
11.
Services not completed by the end of the month in which coverage terminates;
12.
Procedures that are begun, but not completed;
13.
Those services for which there would be no charge in the absence of insurance or for any service or treatment provided without charge;
14.
Services in connection with war or any act of war, whether declared or undeclared, or condition contracted or accident occurring while on full-time active duty in the armed forces of any country or combination of countries;
15.
Care or treatment of a condition for which benefits are payable under any Workers’ Compensation Act or similar law;

11. Dental Exclusions & Limitations#
Exclusion & Limitation
Plan/State Specific Differences
16.
Charges that are applied toward the satisfaction of a Deductible, if any;
Does not apply to Bronze Plan
17.
Orthodontic procedures;
ME: N/A
NC: Does not apply to Gold Plan. Revised to “Orthodontic procedures unless in association with Congenital Defects or Anomalies for covered dependent newborn children”
18.
Covered Expenses for which an Insured Person is not legally obligated to pay. SS
Services or supplies for the treatment of an Occupations injury or Sickness which are paid under the North Carolina Workers’ Compensation Act only to the extent such services or supplies are the liability of the employee, employer or workers’ compensation insurance carrier according to a final adjudication under the North Carolina Workers’ compensation Act or an order of the North Carolina Industrial Commission approving a settlement agreement under the North Carolina Workers’ Compensation Act
NC Only

12. Dental Pricing Examples
Rates can change. These rates come from the state- specific brochures CH DEN NC 1013 and CH DEN ME The chart below is only an illustration of benefit and premium options per covered person for plans.
Monthly Premiums¹
Bronze
Silver
Gold
Availability
NC Only
ME and NC
Adult
$12.00
$21.00
$31.00
Child
$10.00
$15.00
$24.00
Sample
Monthly Premiums¹
Silver
Gold
Availability
ME Only
Senior (ME Only)
$23.00
$34.00
Sample
¹ The chart above is only an illustration of benefit and premium options per covered person.

13. Dental This presentation is not inclusive of all policy provisions.
See product materials for complete details and any additional state variations regarding Termination of Coverage, Renewability, Premium Changes, Eligible Dependents, Exclusions and policy Definitions.
SureBridge® is a registered trademark used for both insurance and non-insurance products offered by subsidiaries of HealthMarkets, Inc. Supplemental insurance products are underwritten and administered by The Chesapeake Life Insurance Company®. Administrative offices are located in North Richland Hills, TX. The insurance product referenced in this document is underwritten by The Chesapeake Life Insurance Company.
SureBridge products are individual supplemental products and are not available as group coverage.
There is no list bill and premiums may not be paid by employers for employees.
This material cannot be copied or used in any way for advertising or presentation purposes.
THIS POLICY PROVIDES LIMITED BENEFITS. This type of plan is not considered “minimum essential coverage” under the Affordable Care Act and therefore a Dental Policy does not satisfy the individual mandate that you have health insurance coverage.
This is not Medicare Supplement Insurance
Benefits may vary by state. See state variations and product materials for more detail.

14. Dental Thank You For Everything You Do!
Dental Insurance Policy