1. Cigna Dental Plan Training ◦ Cigna Dental  Started offering for individuals January 1, 2014  Available to all ages including people over age 65  Uses the Cigna PPO dental network  One of largest networks available  Bigger network than most competitors such as Aetna PPO, Humana, Careington, etc….

2. Cigna Dental Plan Training ◦ Plans Available in AL, AZ, CA, CO, CT, FL, GA, IL, NC, PA, SC, TN, TX, VA ◦ Three plan types to choose from (All PPO plan designs)  Preventative  1000  1500

3. Cigna Dental Plan Training ◦ Preventative  Preventative Plan- Covers two cleanings and X- Rays at 100% (no balance billing with participating dentists.) Basic and Major services are not covered but are billed at the Cigna discounted rate which would allow for a 15% to 40% cost reduction depending on the procedure. Rates vary by age and area but this plan is $14.00 a month on average

4. Cigna Dental Plan Training ◦ PPO 1000  PPO 1000- Covers two cleaning and X-Rays at 100%. Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%) The plan has a $50 deductible for basic and major services and a $1,000 benefit max per person per year. Rates vary by age and area but this plan is $25.00 a month on average.  Also covers Ortho at 50% (waiting period cannot be waived)

5. Cigna Dental Plan Training ◦ PPO 1500  PPO 1500-Covers two cleaning and X-Rays at 100%. Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%) The plan has a $50 deductible for basic and major services and a $1,500 benefit max per person per year. Rates vary by age and area but this plan is $28.00 a month on average  Also covers Ortho at 50% (waiting period cannot be waived)

6. Cigna Dental Plan Training ◦ Waiting periods  No wait on the Preventative plan  6 month wait on basic for the 1000 and 15000  1 year wait on major for the 1000 and 1500  Waiting periods will be waived if member had previous dental plan for 1 year.  They will need to send a certificate of coverage to Cigna to waive waiting periods.

7. Cigna Dental Plan Training ◦ PPO plan  In network dentists must follow the fee schedule. They cannot balance bill the member  Out of network dentists are allowed to balance bill over the allowable charges  Discounts apply to all services (very important to consider with the Preventative plan)  $1,000 or $1,500 ben max does not take discounts into consideration

8. Cigna Dental Plan Training ◦ Enrollments  Clients can enroll with a paper application or through your personal broker portal  Access all your clients status through portal  Send links for them to enroll and get credit  Enroll them in person through your broker portal  Cigna site is www.cignaforbrokers.com ◦ Payment- monthly with EFT or credit card

9. Cigna Dental Plan Training ◦ Commissions  $50 per member  Example: single person is $50 but a family of 4 would be $200  Note: Comp for NC is $20 per member ◦ Referral program  Refer an agent to us and get $10 for every member they write

10. Cigna Dental Plan Training ◦ Contracting  You must submit a client paper application prior to being appointed. (can use electronic enrollment after that)  One an application is written, fax, mail or email it to Crowe and Associates. Fax 203-567-6235 or email at Edward@croweandassociates.comEdward@croweandassociates.com  Once the application is received, Cigna will send the agent an email with a link to the electronic appointment process.  Call or email us if you need a rate sheet/application/summary of benefits

11. Cigna Dental Plan Training ◦ Selling points  Great rates compared to other plans  Three plans to choose from  Can write people over age 65  PPO platform  Big network  Advanced commission (per member payment)  Waive waiting period with prior coverage  Easy to replace current coverage  Referral program