1. BlueCross BlueShield of Tennessee, Inc., an Independent Licensee of the BlueCross BlueShield Association. This document has been classified as public Information. DentalBlue Group Administrator Overview April 2007

2. 2 Discussion Outline Why offer a dental plan? Dental Overview Advantage of combining medical with dental DentalBlue Plans DentalBlue Network Summary

3. 3 Why offer a dental Plan?? Poor oral hygiene links to a range of expensive medical problems from low birth weight babies to complications from diabetes – Wall Street Journal 9/19/2006 Providing a Preventive dental plan to your employees is an inexpensive way to help improve the health of your group BlueCross BlueShield of Tennessee has preventive dental plans for as little as $12.50 per month or $3 per week for an individual employee Dental is the most commonly requested benefit after medical

4. 4 Dental Overview BlueCross BlueShield of Tennessee has 35 years of dental experience Largest discounted PPO network in Tennessee Over half a million members served Combined with BCBST medical it makes life easier for group administrators

5. 5 Advantage of combining Medical with Dental One ID card for employees One monthly billing One customer service number for you and your employees One Account Manager to handle your company’s integrated health Seamless service to members Future programs linking medical and dental health

6. 6 DentalBlue Plans Some plans have no employer contribution required Some plans have as little as 30% participation required Most plans cover routine exams, x-rays and cleanings at 100% with no deductible Orthodontic coverage available on all plans

7. 7 DentalBlue Network The DentalBlue network averages 70% of all dentists in the state of Tennessee Network dentists give discounts of 15-20% off of their retail charges DenteMax is our national network partner. They grew to 72,129 as of 2/1/2007, averages 10 – 15% of total dentists in most markets

8. 8 Summary Easy benefit to add to BCBST medical plan Makes your employees happier and healthier (Second most requested benefit) New Select Plans have no employer contribution requirements Preventive dental plans can cost as little as $3 per week for individual employees 70% dentists on average in the network giving discounts of 15- 20% off average dental charges means everyone saves money DentalBlue If you are interested in DentalBlue for your company, contact your broker or local BCBST representative.