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GEHA 2022dental plansThank you for your servicegeha.com/Military 84 years, started by RailwayMail Carriers Exclusively Federal / Postal / Annuitants /Military retirees 2 million members worldwide One of the largest carriers in theFEDVIPExtensive nationwide network of doctors,dentists, hospitals and other providers GEHA starts with you

Webinar tips Submit your questions in the Q&A box. The webinar audio will be played through your computer, no need to muteyour device. Technical issuesAfter the webinar, you will receive the recorded webinar along with a copy ofthe slides. Try refreshing your browserUse Chrome browser for the best viewing experienceEmail ON24 at [email protected] about GEHA benefits?Email [email protected] or call 800.821.6136

Agenda1GEHA membershave extrabenefits andsavings2Eligibility forFEDVIP dentalas a retiredservice member3Benefits reviewof High andStandard; whichone is rightfor me?4Connect withGEHA; Onlinetools andappointmentbooking5Coverage foroveragedependents

Included benefits and savings withno additional premium.Vision benefits& discountsgeha.com/VisionTeethwhitening discountgeha.com/WhiteningHearing aiddiscountsgeha.com/HearingElectrictoothbrush discountgeha.com/ToothbrushMedical alertsystem discountgeha.com/LifeAlert

Today’s presenterLisa MinardiBenefits Adviser GEHASchedule a private benefits session with aGEHA Benefits Adviser at geha.com/MeetThe information contained herein is for informational and educational purposes only. This information is not a substitute for professional medicaladvice and if you have questions regarding a medical condition, regimen or treatment you should always seek the advice of a qualified health careprovider. Never disregard or delay seeking medical advice from a qualified medical professional because of information you have read herein.

GEHA Standard& High dental No in-network deductibles Worldwide coverage geha.com/DentalGuide2022400,000 in-network provider locationsnationwide geha.com/Find-CareNo waiting periods, except orthodontictreatment on Standard planAdult and child orthodontiaThis is a brief description of services covered under the GEHA Connection Dental Federal plan. For a complete list of plan limitations andexclusions, please refer to the GEHA Connection Dental Federal Plan Brochure available online at geha.com/PlanBrochureDental.

NEW: Emergency dentist virtual visitTeleDentistry.com/geha 24/7 virtual dental care when your dentist isnot available One limited oral evaluation, problem focused(D0140) will be allowed per patient in a 12consecutive month period Use a GEHA virtual dental visit when you: are having a dental emergency and do nothave a dentist need access to a dentist after hours need to consult a dentist without leavinghome, or while travelingThis is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure available atgeha.com/PlanBrochureDental All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Enrollment eligibility for retiredservice members Most retirees are eligible for dental coverage. If you miss the initial enrollment window, you will have to waituntil Federal Open Season to enroll; coverage would thenbegin January 1. No dual FEDVIP enrollment allowed. Cannot be enrolled inFEDVIP as a federal employee and retired service member.Premiums are paid post-tax.Initial enrollment allowed within 31 days prior to and up to60 days after military retirement.Check eligibility and enroll at benefeds.com or callBENEFEDS at 877.888.3337

Eligibility for retired service members’spouses and eligible dependents Spouses and eligible dependents may enrollwithout the sponsor having to enroll if one ofthree criteria apply: The sponsor is receiving Veterans Affairs (VA)dental services The sponsor has dental insurance through theiremployer that doesn't cover family members The sponsor is unable to receive dental servicesdue to a medical or dental conditionDependents of retired service members are eligible until age 21;full-time students are eligible until age 23.

Orthodontic treatmentfor adults and children Orthodontic services for dependents previouslystarted under the Tricare Dental Program (TDP) willbe covered for ongoing Orthodontic care underGEHA’s High Dental plan only High dental has no waiting period fororthodontic treatment Standard dental has a 12-month waiting periodGEHA High and Standard both offeradult & child orthodontia

GEHA High dental planHigh GEHA’s most comprehensivedental coverage.No waiting periods fororthodontic treatment forchildren and adultsUnlimited annual maximumbenefit per personHow often you use your planLOWAVGHIGHgeha.com/CompareDentalWho should considerHigh dental? Expecting intermediate to majordental care in the coming year,including orthodontic care Have a medical condition thatcan affect dental healthLooking for peace of mind thatcomes with comprehensivecoverage

GEHA Standard dental planStandard GEHA’s lowest premium planOrthodontic coverage for bothchildren and adults with a12-month waiting period 2,500 in-network annualmaximum benefit per personHow often you use your planLOWAVGHIGHgeha.com/CompareDentalWho should considerStandard dental? Maintain regular preventive visitsthat benefits your overall health Orthodontic care anticipatedin the future, but not in thecoming yearThose who want peace of mindknowing they have additionaldental benefits beyond what’sincluded in your medical plan

High dental benefitsgeha.com/HighDental 0 annual deductible, in- an out-of-network. No waiting periods.2022 plan yearHighWhat the plan paysIn-network or out-of-networkClass A – BasicTwo exams, two cleanings and one X-ray per calendar yearClass B – IntermediateFillings, extractions and periodontal maintenanceClass C – MajorRoot canals, crowns, bridges, dentures, periodontal surgery(implants limited to 2,500 per person/year)Class D – OrthodonticsAdults and childrenCalendar year maximumfor Class A, B and C services100%80%50%70%No waiting period 3,500 lifetime maximumUnlimited per personThis is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure availableat geha.com/PlanBrochureDental All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Standard dental benefitsgeha.com/StandardDental 0 in-network annual deductible. 25 out-of-network annual deductible per person, per year ( 75 max).No waiting periods, except for orthodontics.2022 plan yearStandardStandardWhat the plan 12-month waiting period 2,500 lifetime maximum70%12-month waiting period 2,000 lifetime maximum 2,500 per person 2,000 per personClass A – BasicTwo exams, two cleanings and one X-ray per calendar yearClass B – IntermediateFillings, extractions and periodontal maintenanceClass C – MajorRoot canals, crowns, bridges, dentures, periodontal surgery(implants limited to 2,000 per person/year in-network and 2,000 per person/year out-of-network)Class D – OrthodonticsAdults and childrenCalendar year maximumfor Class A, B and C servicesThis is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure available atgeha.com/PlanBrochureDental All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Compare GEHA dental plansgeha.com/CompareDentalOut-of-network deductible for Class B and C services is 0 for High, 25 Standard Self Only, 50 StandardSelf Plus One and 75 Standard Self and Family.2022 plan year benefitClass A – BasicTwo exams, two cleanings and oneX-ray per calendar yearClass B – IntermediateFillings, extractions and periodontalmaintenanceClass C – MajorRoot canals, crowns, bridges, dentures,periodontal surgeryClass D – OrthodonticsAdults and childrenCalendar year maximumfor Class A, B and C %35%30%70%No waiting period 3,500 lifetime maximum70%12-month waiting period 2,500 lifetime maximum70%12-month waiting period 2,000 lifetime maximumUnlimited per person 2,500 per person 2,000 per personWhat the plan paysIn or out-of-networkWhat the plan paysIn-networkWhat the plan paysout-of-networkThis is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure availableat geha.com/PlanBrochureDental All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Find your premium. Use your ZIP code to find rate codeFind your state and the first three digits of your ZIP code in the chart below to determine your rate code. geha.com/DentalRatesd Stateyour state andFirstthe3 digitsfirst ofthreedigits of yourZIPStatecode in the chartbelow to determineRateyour rateFirst 3 digits of ZIP codeStateFirst 3 digits of ZIP codeZIP codeRatecodecodeAL, AR, GU, IA,MS, ND, NE,PR, VIEntire state or territoryID, LA, MO, MT,NC, OK, SC, SD,TN, UT, VTEntire state12RatecodeIN460-462, 470, 472, 4732NY127, 129-139, 144-1491IN463, 4643NYRest of state2INRest of state1OH2KS660-662, 6662430-433, 437, 440-443, 446, 447,450-455, 459KSRest of state1OHRest of state1KY4102PA172-1744KYRest of state1PA180, 181, 1835PA189-1963PARest of state1TX755-759, 763-769, 776-779, 783785, 788-799, 8851DE, HI, NM, OREntire state or territory3CO, DC, NH, RIEntire state4AKEntire state5MA0122AZ850-853, 8643MARest of state4AZRest of state2MD205-212, 214, 216, 2174CA900-931, 933-935, 939-952, 954,956-9595MD2193TX733, 786-7873MDRest of the state2TXRest of state2CARest of state4ME039-0424VA201, 203, 205, 220-2274CT064-0695MERest of state3VARest of state2Rest of state4MI480-485CT3WA980-9855MIRest of state2WA9863FL329-334, 3493MN550-555, 5633WARest of state4FLRest of state2MNRest of state2WI5403NJ080-0843WIRest of state2NJRest of state5WV2544NV8975WVRest of state1NVRest of state3WY8342NY005, 100-119, 124-1265WYRest of state1NY0634INTLAll International5GA300-303, 305, 306, 311, 3993GARest of state2IL600-609, 6133IL620, 6222ILRest of state1

Step 2: Use your rate code to find your 2022 premiumHigh - BiweeklyRate code 1*Rate code 2*Rate code 3*Rate code 4*Rate code 5*Self Only 17.28 19.43 21.24 23.73 25.72Self Plus One 34.56 38.85 42.48 47.46 51.45Self and Family 51.85 58.28 63.72 71.19 77.17High – Retirees monthlyRate code 1*Rate code 2*Rate code 3*Rate code 4*Rate code 5*Self Only 37.44 42.10 46.02 51.42 55.73Self Plus One 74.88 84.18 92.04 102.83 111.48Self and Family 112.34 126.27 138.06 154.25 167.20Standard - BiweeklyRate code 1*Rate code 2*Rate code 3*Rate code 4*Rate code 5*Self Only 9.56 10.72 11.74 13.10 14.18Self Plus One 19.13 21.43 23.43 26.16 28.36Self and Family 28.68 32.15 35.15 39.25 42.53Standard – Retirees monthlyRate code 1*Rate code 2*Rate code 3*Rate code 4*Rate code 5*Self Only 20.71 23.23 25.44 28.38 30.72Self Plus One 41.45 46.43 50.77 56.68 61.45Self and Family 62.14 69.66 76.16 85.04 92.15* Rate based on member’s primary state of residence.

Connect with GEHA during Open SeasonCall usEstimate costsTalk with a helpful GEHA Benefits Adviser.877.590.4342See if a dental service is covered andestimate how much you will pay forthose services.Compare plansgeha.com/DentalPricingEasily compare GEHA’s High andStandard dental plans.Check rates for 2022geha.com/CompareDentalFind a providerFind a dentist or see if yoursis et in touchLet us help you choose aGEHA plan that canwork for you.geha.comThe information contained herein is for informational and educational purposes only. This information is not a substitute for professional medical advice and if you have questionsregarding a medical condition, regimen or treatment you should always seek the advice of a qualified health care provider. Never disregard or delay seeking medical advice from aqualified medical professional because of information you have read herein.

Enroll in a GEHA dental plan To enroll, visit benefeds.com or call BENEFEDS at 877.888.3337 Coverage begins on January 1 Already enrolled in a GEHA dental plan? Your enrollment will automatically renew If you want to change GEHA dental plan options, visit benefeds.com or callBENEFEDS at 877.888.3337

Connection Dental PlusStand alone dental coverage for overage dependents Covers 100% for in-network preventive care services.Covers 80% for in-network fillings, extractions and periodontal maintenanceCovers 50% for in-network root canals, crowns, bridges and gum surgery.Year-round enrollment with eligibility until age 26Dependents of GEHA members pay lower premiums than non-GEHA membersQuestions? Call 800.793.9335 or visit geha.com/CDPlusgeha.com/CDPlusNote: Connection Dental Plus is not offered by the Office of Personnel Management (OPM) and is not part of the Federal EmployeesHealth Benefits Program (FEHBP). For information on our OPM-approved Federal Employees Dental and Vision Insurance Program(FEDVIP) dental plan, go to GEHA Connection Dental Federal or call 877.GEHA.DEN (877.434.2336).

Connection Dental DiscountStand alone dental discount plan for overage dependents Save 20%-60% on routine, major and specialty dental treatment.Published fee schedules that offer cost transparency, so there won’t be any surprises.Year-round enrollment with eligibility until age 26Included vision discounts at VSP providersQuestions? Call 800.797.7222 or visit gehadentaldiscount.comgehadentaldiscount.comNote: Connection Dental Discount is not offered by the Office of Personnel Management (OPM) and is not part of the FederalEmployees Health Benefits Program (FEHBP). For information on our OPM-approved Federal Employees Dental and VisionInsurance Program (FEDVIP) dental plan, go to GEHA Connection Dental Federal or call 877.GEHA.DEN (877.434.2336).

GEHA has a dental planfor your needs.Need help choosing a plan?Connect with us at geha.com

If the sponsor receives VA dental services or if the sponsor has dental insurance through work but it doesn’t cover fam\൩ly members, or the sponsor is unable to receive dental benefits due to medical or dental condition.\爀屲Other important differenc對e from civilian federal eligibil