Exhibit 05b - Cal Yr 2025 YTD as of July City of Miami CIGNA Dental HMO and PPO Utilization and Claims.pdf

City of Miami

EXHIBIT 05b - Dental Reports 2025 YTD

Dental Care - Utilization by Type of Service

Current Period reflects claims incurred between Jan. 2025 and May. 2025, paid through Jul. 2025 Base Period reflects claims incurred between Jan. 2024 and May. 2024, paid through Jul. 2024

Comments There is an increase in utilization per thousand in 4 categories and a decrease in utilization per thousand in 4 categories for an overall utilization trend of 1.1%

High utilization for Diagnostic/Preventive services can lead to lower usage of other service categories

Gross Services by Type Base Current Trend Norm

Count Percent of

Total Count Percent of

Total Percent of

Total Diagnostic/Preventive 1,268 62.0% 1,148 60.5% -9.5% 72.1% Basic Restorative 88 4.3% 113 6.0% 28.4% 5.9% Major Restorative 81 4.0% 43 2.3% -46.9% 3.6% Endodontics 19 0.9% 4 0.2% -78.9% 0.9% Periodontics 322 15.7% 318 16.8% -1.2% 8.7% Oral Surgery 53 2.6% 69 3.6% 30.2% 3.0% Orthodontics 149 7.3% 126 6.6% -15.4% 3.5% Other Services 66 3.2% 77 4.1% 16.7% 2.3% Total 2,046 100.0% 1,898 100.0% -7.2% 100.0%

Services per 1,000 Members by Type Base Current Trend Norm

Count Percent of

Total Count Percent of

Total Count Percent of

Total Diagnostic/Preventive 2,187.3 62.0% 2,158.1 60.5% -1.3% 2,360.9 72.1% Basic Restorative 151.8 4.3% 212.4 6.0% 39.9% 193.7 5.9% Major Restorative 139.7 4.0% 80.8 2.3% -42.1% 116.4 3.6% Endodontics 32.8 0.9% 7.5 0.2% -77.1% 29.2 0.9% Periodontics 555.5 15.7% 597.8 16.8% 7.6% 286.2 8.7% Oral Surgery 91.4 2.6% 129.7 3.6% 41.9% 98.8 3.0% Orthodontics 257.0 7.3% 236.9 6.6% -7.8% 113.8 3.5% Other Services 113.9 3.2% 144.8 4.1% 27.1% 77.0 2.3% Total 3,529.4 100.0% 3,568.1 100.0% 1.1% 3,276.0 100.0%

Plan cost & trend

Dental PPO - Claims Summary

Current Period reflects claims incurred between Jan. 2025 and May. 2025, paid through Jul. 2025 Base Period reflects claims incurred between Jan. 2024 and May. 2024, paid through Jul. 2024

Comments Net effective discount increased from 29.5% to 32.4%, and compares to a norm of 25.8%

Network utilization increased from 69.5% to 73.3% of submitted charges, and compares to a norm of 71.0%

$80

$60

$40

$20

$0

EE Spend PMPM Plan Spend PMPM Total Spend PMPM

Base Current Norm

$35.72 $39.40 $25.59 $34.03 $33.92 $29.86 $69.75 $73.31 $55.44

Base Current Trend Norm

Submitted Charges $1,219,572 $1,430,869 17.3%

Network Charges

Total Network Charges $847,751 69.5% $1,049,411 73.3% 23.8% 71.0%

Provider Discounts

Total Dentists Discounts $359,546 42.4% $463,294 44.1% 28.9% 36.3%

Net Effective Discount 29.5% 32.4% 2.9% 25.8%

Plan Design Savings $250,429 20.5% $271,745 19.0% 8.5% 19.6%

Utilization Management & Review $189,996 15.6% $248,196 17.3% 30.6% 14.0%

Total Savings $799,971 65.6% $983,235 68.7% 22.9% 59.4%

Plan Paid Amount $419,601 34.4% $447,634 31.3% 6.7% 39.2%

Plan Paid Amount Per Month

Employees $36.93 $38.00 2.9% $30.60

Spouses $36.44 $38.87 6.7% $31.60

Dependent $27.67 $24.07 -13.0% $27.63

Member $34.03 $33.92 -0.3% $29.86

Percent of membership by age band and product

Percent of spend by age band and product

Dental - Membership Summary

Comments Average membership in the current period was 3,925, an increase of 1.6%

Average family size increased from 1.91 to 1.92, an increase of 0.5%. Average family size measures the ratio of members to employees

Employees represented 52.2% of the population in the current period, spouses 17.5% and dependents 30.3%

Summary of membership Base

Average Populations Employees Spouses &

Dependents Members Average

Family Size Percent Female

Percent Male

Dental Care 751 645 1,396 1.86 50.1% 49.9%

DPPO 1,270 1,196 2,466 1.94 53.2% 46.8%

Total 2,021 1,841 3,862 1.91 52.1% 47.9%

20%

15%

10%

5%

0%

Current Period reflects claims incurred between Jan. 2025 and May. 2025, paid through Jul. 2025 Base Period reflects claims incurred between Jan. 2024 and May. 2024, paid through Jul. 2024

28%

21%

14%

7%

0% <1 1-17 18-29 30-39 40-49 50-59 60-64 65+

Current

Average Populations Employees Spouses &

Dependents Members Average

Family Size Percent Female

Percent Male

Dental Care 698 588 1,286 1.84 50.7% 49.3%

DPPO 1,352 1,288 2,640 1.95 52.1% 47.9%

Total 2,050 1,876 3,925 1.92 51.7% 48.3% <1 1-17 18-29 30-39 40-49 50-59 60-64 65+

DPPO Demographic Summary Base Current Trend Norm

Average Number of Employees 1,270 1,352 6.4% Average Number of Members 2,466 2,640 7.0% Average Member Age 40.0 39.9 -0.3% 36.5 Services per Claimant 5.7 5.6 -1.8% 7.8 % of Members Using Plan 48.3% 49.6% 1.3% 66.8% % of Unique Members Receiving a Cleaning

41.4% 41.7% 0.3% 59.4%

DPPO Dental Care

DPPO Dental Care

Average plan members

Current Period reflects claims incurred between Jan. 2025 and May. 2025, paid through Jul. 2025 Base Period reflects claims incurred between Jan. 2024 and May. 2024, paid through Jul. 2024

Dental Dashboard

Base Current

DPPO Oral Health Behavior SavingsMember population

DPPO

Dental Care

Network performance Base Current Trend Norm

Total network charges 69.5% 73.3% 3.8% 71.0% Achieved discounts 42.4% 44.1% 1.7% 38.2%

Healthy behaviors Base Current Trend Norm

Exams 34.5% 33.5% -1.0% 57.5%

Cleanings 36.1% 35.8% -0.3% 55.9%

Fluoride 12.7% 10.5% -2.1% 20.8%

Periodontal cleanings 5.6% 6.1% 0.5% 4.4%

Treatment

Fillings 6.6% 7.3% 0.7% 14.2%

Crowns 3.3% 3.1% -0.1% 6.9%

Root canals 1.0% 0.8% -0.2% 1.7%

Extractions - all 1.9% 2.0% 0.1% 3.8%

Gum disease

Non surg perio 2.4% 2.2% -0.2% 2.2%

Current Period Members with 1 or More Cleanings

Total Plan Members

Norm

Current Period

Total Network Charges

Total Submitted Charges

Norm

Current Period

Family Size

Total Group

Norm Employees & dependents all products

Base Current Trend Norm Employees 2,021 2,050 1.4% Dependents 1,841 1,876 1.9% Family Size 1.91 1.92 0.2% 1.95 Total Members 3,862 3,925 1.6%

DPPO Dental Care Base 2,466 1,396 Current 2,640 1,286 Trend 7.0% -7.9%

2,800

2,100

1,400

% of Unique members by service type

% of Unique members receiving cleaning Base Current Trend Norm 41.4% 41.7% 0.3% 59.4%

Month with greatest overall change:

Base : May -0.7% Current : April -0.4%

DPPO

Base Current Trend Norm

Net effective discount

29.5% 32.4% 2.9% 27.1%

Plan design savings

20.5% 19.0% -1.5% 19.6%

Utilization management & review

15.6% 17.3% 1.8% 14.0%

Total savings

65.6% 68.7% 3.1% 60.7%

Plan paid claims PMPM

$34.03 $33.92 -0.3% $29.86

Dental Care Member savings on services provided

84.3% 85.3% 1.0% 85.0%

Dental PPO - Claim Cost and Savings Summary

Current Period reflects claims incurred between Jan. 2025 and May. 2025, paid through Jul. 2025 Base Period reflects claims incurred between Jan. 2024 and May. 2024, paid through Jul. 2024

Comments Total savings represents total submitted dollars not paid due to plan design mechanics (e.g.deductible, coordination of benefits, discounts, utilization management etc) while net effective discount represents total network discount savings

PMPM

Account Summary Base Current Base Current Trend Norm Submitted Charges $1,219,572 $1,430,869 $98.91 $108.42 9.6% $76.08 Employer Paid $419,601 $447,634 $34.03 $33.92 -0.3% $29.86 Discount Dollars $359,546 $463,294 $29.16 $35.10 20.4% $20.63 Net Effective Discount 29.5% 32.4%

Plan Design Savings

Deductible $40,547 $44,662 $3.29 $3.38 2.9% $1.21 Coinsurance $142,515 $158,726 $11.56 $12.03 4.1% $8.44 Coordination of Benefits $255 $609 $0.02 $0.05 122.9% $0.25 Annual/Lifetime Maximum $15,190 $15,581 $1.23 $1.18 -4.2% $1.70 Maximum Reimbursable Charge $36,347 $38,334 $2.95 $2.90 -1.5% $2.57 Scheduled Plan Savings $0 $0 $0.00 $0.00 0.0% $0.23 Other Savings $15,575 $13,833 $1.26 $1.05 -17.0% $0.54 Total $250,429 $271,745 $20.31 $20.59 1.4% $14.93 Savings as % of submitted 20.5% 19.0%

Utilization Management and Utilization Review Savings

Missing Tooth Limitation $1,331 $2,500 $0.11 $0.19 75.5% $0.07 Age/Frequency Limitation $20,685 $24,217 $1.68 $1.83 9.4% $1.40 Additional Plan Design $47,030 $79,105 $3.81 $5.99 57.1% $2.72 Alternative Benefit Provision $20,225 $28,290 $1.64 $2.14 30.7% $1.21 Utilization Review $100,725 $114,084 $8.17 $8.64 5.8% $5.26 Total $189,996 $248,196 $15.41 $18.81 22.0% $10.66 Savings as % of submitted 15.6% 17.3%

Total Savings $799,971 $983,235 $64.88 $74.50 14.8% $46.22 Total Savings as % of submitted 65.6% 68.7%

Glossary

Additional Plan Design Savings Savings generated from contractual limitations and benefits exclusions.

Adjunctive General Services Palliative treatments, consultations, emergency care, second opinions and anesthesia.

Age Maximum Savings due to age limits on fluoride treatments, sealants, orthodontic services and other services.

Alternate Benefit Provision This provision includes a three-tier claim review process monitored by Dental Claim Analysts, Dental Reviewers and Dental Consultants. Under this process, proposed treatment plans are examined by Dental Reviewers and approved, denied, or referred to Dental Consultants for alternate treatment decisions.

Where appropriate, the Dental Consultant will recommend alternate treatments considered to be less costly and consistent with professional dental standards.

Annual Maximum Savings due to a patient reaching the maximum payment under the plan, often per calendar year.

Average Area Charge Average charge based on the number of dentist in the geographical area pertaining to your membership.

Basic Restorative Dental treatments or procedures performed to repair and restore individual teeth due to decay, erosion, trauma or improper function. Basic services may include fillings, oral surgery, endodontics (root canals) and periodontics (tissue/bone treatment).

Benefit Option This code is used to identify different Cigna product lines purchased by a customer.

Charges The amount charged by a dentist for dental services rendered.

Children Children are defined as child, step-child, handicapped child, eligible students and adult dependent.

Claim Branch This term describes the different ways an account can be sub-divided into groups for reporting purposes based on the account structure.

Coinsurance The percentage of covered expenses paid by the member when costs are being shared by both the plan and the individual member.

Coordination of Benefits (COB) The amount saved when Cigna is the secondary insurer. It represents the difference between what Cigna pays and (COB) what it would have paid if it were primary.

Covered Employees The number of Covered Employees for the reporting period equals the number of active employees in the first reporting period month and includes any active employee additions made in the following months within the reporting period.

To be counted as a covered employee addition the employee must have had atone day of coverage.

Deductible An amount specified in plan design that must be paid by member for covered expenses in a benefit period before the plan will pay benefits.

Dental care The term utilized to represent the Cigna Dental Care product (formerly represented as DHMO). In most states, the Cigna Dental Care plan requires the selection of a general dentist for routine, preventive, diagnostic and emergency care. Referrals to specialists are provided, as needed. Data for this product can be found in the sections labeled Dental Care.

DHMO

Dental Health Maintenance Organization. Cigna's DHMO product is called Cigna Dental Care. In most states, the Cigna Dental Care plan requires the selection of a general dentist for routine, preventive, diagnostic and emergency care. Referrals to specialists are provided, as needed. Data for this product can be found in the sections labeled Dental Care.

Diagnostic/Preventive Dental treatments or procedures focused on the prevention and diagnosis of dental diseases. These services may include oral examinations, cleanings, X-rays, sealants and fluoride treatments.

DPPO

Cigna Dental Preferred Provider Organization. With the Dental Preferred Provider Organization plan (DPPO), customers can see any licensed dentist or specialist, but may pay less for covered services when utilizing in-network dentists for care. Data for this product can be found in the sections labeled

DPPO.

Endodontics The dental specialty that concentrates on the treatment of root canals or other injuries/diseases of the pulp, or nerve, of the tooth.

Frequency Maximum Savings due to frequency limits on examinations, cleanings, radiographs, crowns and other services.

Ineligible Charges Ineligible Charges include savings attributable to limitations of the plan (Missing Tooth Limitation, Age/Frequency, Annual/Lifetime Maximums); charges submitted for ineligible participants; application of Alternate Benefit Provisions which may be a result of the Pre-Determination of Benefits (PDB) process;

services that exceed the maximum reimbursable charge limits per service, or the Scheduled Plan benefits, if applicable; and Utilization Management Services.

In-Network Services rendered by providers who are part of a network and with whom Cigna has a contractual relationship.

Major Restorative Dental treatments or procedures targeting the restoration of teeth using services such as crowns, inlays, or onlays. Major services also may include prosthodontics (i.e. dentures).

Member An individual who is eligible for coverage and enrolled under a dental plan.

Includes employee and any covered dependents.

Missing Tooth Limitation A contractual provision which limits or excludes payment for the replacement of teeth that are missing prior to the patient's effective date of plan coverage.

Norm Norm refers to the comparison group based on book of business or industry experience for the defined parameters. Norms are annualized unless otherwise stated.

Oral Surgery Non-surgical and surgical extractions, and other surgical procedures.

Orthodontics Dental treatments or procedures performed to correct misalignments of the teeth and restore the teeth to their proper alignment and bite function. Services may include braces or retainers.

Other Savings Other Savings is a category in which savings is captured when a claim has multiple plan design savings reasons.

Out-of-Network Services rendered by providers who are not part of the Cigna network based on your benefit plan design.

Paid Claims That portion of the dentist's charges paid by Cigna to a patient or provider for dental services covered under the benefit plan.

Patient A unique individual participant (employee or dependent) who received one or more dental services during the reporting period in-network and/or out-of-network.

Periodontics Scaling and root planing, surgical procedures of the gingiva/bone, and other gum-related treatment.

Pre-Determination of Benefits (PDB) A process that allows the patient and dentist learn what benefits are provided by the dental plan in advance of treatment. The PDB process provides the dentist and participant with a detailed explanation of what specific benefits are available at the time the claim is reviewed so that the dentist may discuss the information with the patient before treatment is rendered and expenses are incurred. Savings from this process are also realized through the avoidance of more costly dental treatments where a less costly alternative is recommended.

Provider Discounts The difference between the contracted payment amount and the average area charge for a procedure.

Scheduled Plan Savings Savings due to the application of set scheduled dollar payment amounts for dental services set forth in a scheduled benefit plan.

Services The number of individual dental procedures rendered by dental care providers.

Utlization Management The set of administrative practices used on behalf of purchasers of dental benefits to manage the necessity, appropriateness, frequency and mix of dental services. It entails practices used in claims review for predetermination or payment of benefits, statistical review of individual provider utilization profiles and appropriate follow-up procedures.