A Deep Dive on Dental : Sun Life Product Highlights

Sun Life dental plans promote better oral health, leading to better overall health. Our flexible plan options allow employers and members to choose a plan that meets their needs.?Plans include fully insured PPO plans, prepaid or DHMO plans,?Administrative Service Only (ASO)?plans and for those not associated with?an?employer plan, an individual prepaid or DHMO plan. Check out more on Sun Life dental here!

?Our dental product?at a glance:

• PPO dental plans allow members to use any licensed dentist they?choose
• One of the largest national dental PPO networks2?in the U.S.—over 130,000 unique providers nationwide—means members who use a participating dentist can stretch their dental benefits?further
• Active,?Passive, or?Maximum?Allowable?Charge (MAC) plans?are available
• Dual-choice and triple-choice options where prepaid or DHMO plans are available—combine a PPO and a prepaid or DHMO plan to give members additional plan options to?consider
• Employer-paid?and?voluntary plan options
• ASO options are available for employers with more than 50?employees
• High/Low plan options are available for employers with more than 20?employees

Dental Insurance

Our traditional fully-insured PPO dental plans include access to our extensive nationwide network of dentists. Plan options can include Maximum Allowable Charge plans, also known as MAC plans, Active plans, and Passive plans. All plans include Lifetime of Smiles?, our dental health program dedicated to improving the smiles of our members for a lifetime! The program includes:

• Brush biopsies for early detection of oral cancer.
• Genetic testing helps identify individuals who are at genetic risk for gum disease.4
• Periochips control bacteria and reduce the size of periodontal pockets.4,5
• Online Dental Health Center that offers members information on preventive dental care.

Clients looking for superior coverage can add select additional features, such as Preventive Max Waiver??or Family Share Max?. Learn more about Lifetime of smiles here.

Prepaid / DHMO Del

Prepaid/DHMO plans give members access to a range of dental services from in-network providers. Plans offer:

• Fixed copayment schedule so you know the costs upfront
• No deductibles, maximums, or waiting periods
• Preventive services, like cleanings, at low or no cost
• Specialist services, such as orthodontia, are available at discounted rates

Our prepaid plans are only available in select markets.?Learn more.

Vision Discount Plans

This benefit may be added to our dental insurance plans. The vision discount plan offers discounts on exams and the purchase of prescription eyewear provided by in-network eye care providers. Fees are automatically reduced at the time of service – no claim forms to fill out! Our?vision discount plans?are available in select markets.

Additional Dental Plan Options

You can also choose from the following flexible plan options:

• Dual Choice for companies with more than 20 employees
• Triple Choice for companies with more than 30 employees
• High/Low for companies with more than 20 employees
• Administrative Services Only for companies with more than 50 employees
• And, rate guarantees or renewal rate caps

Individual Prepaid / DHMO Dental

Our Secure Choice?Prepaid/DHMO?Dental plans?are available for families, singles, and retirees who are looking for an affordable dental plan. We currently offer these plans in Alabama, Arizona, California, Florida,?Georgia, Illinois, Kansas, Kentucky, Missouri, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Tennessee, and Texas.?To learn more about the plans, and availability by state or to purchase a plan, visit?www.slfdental.com.

Sun Life Dental plans promote better oral health

Lifetime of Smiles?—fully-insured Sun Life PPO dental plans?standardly?include oral health benefits including brush biopsies for the early detection of oral cancer, genetic testing to help identify those at genetic risk for gum disease, and?periochips?to control bacteria and reduce the size of periodontal pockets—learn more

• Optional Lifetime of Smiles??plan features such as?Brite?Solutions?, Preventive Max Waiver?,?and/or Family Share Max?

Additional details and resources

• Easy to use find a dentist?search
• Dental Network Optimization Program6—if not already participating in our dental network,?we will recruit the?dentists that matter most to our?members
• Dental Health Center—available to all Sun Life Dental members to access important dental health information and?tips
• A detailed plan and claim information are accessible by registering?for?a Sun Life account on our mobile-optimized secure website.
• A dental ID card is available for?download
• Fast and accurate claims processing
• Vision Discount Plan (VSP?) may be added where?available
• Rate guarantees or renewal caps?available

For more insight on Sun Life dental products and the best fit for your employer group, please feel free to reach out! You can also find more information by visiting our dental product highlight page here. We look forward to connecting with you soon.