East Grand Rapids Public Schools Dental Rate & Benefit Comparison - Summary for All Groups

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1 Dental Rate & Benefit Comparison - Summary for All Groups Summary of Rate Information Monthly Premium $28, $30, $32, $35, Annual Premium $345, $369, $390, $420, Premium Difference $ N/A $24, $45, $75, Premium Difference % N/A 7.00% 13.06% 21.82% Notes Delta declined to quote This analysis is for illustrative purposes only, and is not a guarantee of future expenses, claims costs, managed care savings, etc. There are many variables that can affect future health care costs including utilization patterns, catastrophic claims, changes in plan design, health care trend increases, etc. This analysis does not amend, extend, or alter the coverage provided by the actual insurance policies and contracts. Please see your policy or contact us for specific information or further details in this regard.

2 Dental Rate & Benefit Comparison - Teachers Class II - Basic 90% 90% 90% 90% Class III - Major 60% 60% 60% 60% Class IV - Orthodontia NA NA NA NA Annual Maximum-Class I-III $1,500 $1,500 $1,500 $1,500 Lifetime Maximum-Class IV NA NA NA NA Employee $52.12 $55.77 $52.32 $56.36 Employee + 1 Dependent $ $ $99.72 $ Family $ $ $ $ Employee Employee + 1 Dependent Family Monthly Premium $21, $23, $24, $26, Annual Premium $260, $279, $292, $322, Premium Difference $ N/A $18, $31, $61, Premium Difference % N/A 7.00% 12.25% 23.51%

3 Dental Rate & Benefit Comparison - Admin Class II - Basic 100% 100% 100% 100% Class III - Major 50% 50% 50% 50% Class IV - Orthodontia 80% 80% 80% 80% Annual Maximum-Class I-III $1,500 $1,500 $1,500 $1,500 Lifetime Maximum-Class IV $2,500 $2,500 $2,500 $2,500 Employee $48.55 $51.95 $48.44 $53.57 Employee + 1 Dependent $ $ $98.08 $ Family $ $ $ $ Employee Employee + 1 Dependent Family Monthly Premium $3, $4, $4, $5, Annual Premium $46, $49, $58, $65, Premium Difference $ N/A $3, $12, $19, Premium Difference % N/A 7.00% 26.11% 41.30%

4 Dental Rate & Benefit Comparison - Union Support Class II - Basic 100% 100% 100% 100% Class III - Major 50% 50% 50% 50% Class IV - Orthodontia NA NA NA NA Annual Maximum-Class I-III $1,000 $1,000 $1,000 $1,000 Lifetime Maximum-Class IV NA NA NA NA Employee $44.93 $48.08 $40.68 $35.30 Employee + 1 Dependent $ $ $79.04 $68.72 Family $ $ $ $ Employee Employee + 1 Dependent Family Monthly Premium $3, $3, $3, $2, Annual Premium $38, $40, $39, $33, Premium Difference $ N/A $2, $1, ($5,136.84) Premium Difference % N/A 7.00% 2.73% %

5 - Dental Quote Summary 2018 Marketing Solvency Carrier Line of Coverage Response Commissions Current: ADN Dental Dental Quoted $2 PEPM Alternatives: MetLife Dental Quoted 5% of premium Delta Dental Dental Declined N/A Ameritas Dental Quoted 5% of premium Important: While AJG does not guarantee the financial viability of any health insurance carrier or market, it is an area we recommend that clients closely scrutinize when selecting a health insurance carrier or HMO. There are a number of rating agencies that can be referred to including, A.M. Best, Fitch, Moody s, Standard & Poor s, and Weiss Ratings (TheStreet.com). Generally, agencies that provide ratings of U.S. Health Insurers, including traditional insurance companies and other managed care (e.g., HMO) organizations, reflect their opinion based on a comprehensive quantitative and qualitative evaluation of a company's financial strength, operating performance and market profile. However, these ratings are not a warranty of an insurer's current or future ability to meet its contractual obligations.