The URL can be used to link to this page

Item 4C ITEM 4C M E M O R A N D U M July 30, 2018 TO: Shana Yelverton, City Manager FROM: Stacey Black, Director of Human Resources SUBJECT: Approve a contract renewal with MetLife to provide employee dental benefits for Plan Year October 1, 2018 through September 30, 2019. Action Requested: Approve a contract renewal with MetLife to provide employee dental benefits for Plan Year October 1, 2018 to September 30, 2019. Background Information: The City’s current dental insurance carrier is MetLife. Dental insurance was last competitively bid in 2017 and MetLife has been the City’s dental carrier since October 1, 2017. Employees are offered two plan options: a traditional Dental PPO (DPPO) plan and a Dental HMO (DHMO) plan. The City currently pays the entire premium for employee only dental coverage and the employee pays the entire dependent cost. The City is currently in the second year of a two year rate guarantee. As such, there are no rate increases and no plan design changes for the Plan Year October 1, 2018 through September 30, 2019. Financial Considerations: The estimated cost of the City’s portion of dental insurance premiums is $111,645 annually. The proposed dental insurance plan costs will be included in the proposed budget for Fiscal Year 2019. Strategic Link: Performance Management and Service Delivery: attract, develop and retain a skilled workforce. Citizen Input/ Board Review: N/A Legal Review: N/A Alternatives: Deny the contract renewal with United Healthcare and seek alternative options. Shana Yelverton, City Manager ITEM 4C July 30, 2018 Page 2 Supporting Documents: The following supporting documents are attached: • MetLife Proposal Staff Recommendation: Approve a contract renewal with MetLife to provide employee dental benefits for Plan Year October 1, 2018 through September 30, 2019. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 1 of 16 P2077466.964518. City Of Southlake Employer Sponsored Dental, Managed Dental Plan Proposal produced on July 20, 2017 This quote is valid for 90 days from date of proposal MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 2 of 16 P2077466.964518. City Of Southlake Rate Summary Rate Summar y Coverage Participating Lives Covered Volume Rates Annual Premium RQ2 Dental E/P in B 2yr RG 3rd yr cap 4219094 Employer Sponsored Dental (per Employee Per Month) 251 $178,413  Employee Only 130 $32.36  Employee + Spouse 27 $64.72  Employee + Child(ren) 37 $72.00  Employee + Family 57 $109.64 Rates are guaranteed from October 1, 2017 - September 30, 2019 3rd year Rate Cap: The second year’s renewal rates will not be increased by more than 8.0% above the current rates. Managed Dental Plan (per Employee Per Month) 36 $14,331  Employee Only 8 $14.76  Employee + Spouse 7 $28.05  Employee + Child(ren) 5 $29.53  Employee + Family 16 $45.76 Rates are guaranteed from October 1, 2017 - September 30, 2019 3rd year Rate Cap: The second year’s renewal rates will not be increased by more than 8.0% above the current rates. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 3 of 16 P2077466.964518. Summary of Benefits Dental Insurance - RQ2 Dental E/P in B 2yr RG 3rd yr cap Employer Sponsored Dental Class Description All Active Full Time Employees in PPO (30 Hours) In-Network Out-of-Network* Reimbursement Negotiated Fee Schedule R&C 90th Percentile Type A – Preventive 100% 100% Type B – Basic 80% 80% Type C – Major 50% 50% Calendar Year Deductible applies to:  Individual  Family B & C $50 $150 Aggregate B & C $50 $150 Aggregate Calendar Year Maximum (applies to A,B,C services) $1,750 $1,750 Orthodontia 50% 50% Orthodontia Lifetime Maximum $1,500 $1,500 * Out of Network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable and Customary charge is based on the lowest of (1) the dentist’s actual charge (the ‘Actual Charge’), (2) the dentist’s usual charge for the same or similar services (the ‘Usual Charge’) or (3) the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife (the ‘Customary Charge’). Services must be necessary in terms of generally accepted dental standards. Employer Sponsored Dental Rate per Employee Lives Est Monthly Premium Est Annual Premium  Employee Only $32.36 130 $14,868 $178,413  Employee + Spouse $64.72 27  Employee + Child(ren) $72.00 37  Employee + Family $109.64 57  Total 251 Rates are guaranteed from October 1, 2017 - September 30, 2019 (24 months) 3rd year Rate Cap: The second year’s renewal rates will not be increased by more than 8.0% above the current rates. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 4 of 16 P2077466.964518. Frequency & Allocations / Exclusions (Custom Primary (Flex) - Custom Lower Cost (Flex)) Class Description: All Active Full Time Employees in PPO TYPE A Benefits are payable immediately from the start date of an individual’s benefits  Examinations  2 times in 12 months  Examinations – Problem Focused  Combined with Examinations Limit  Prophylaxis: Cleanings  2 times in 12 months  Sealants  1 per molar in 36 months for a child under age 16  Space Maintainers  No Limit for a child under age 16  Fluoride  2 times in 12 Months for a dependent child under age 16  Full Mouth X-Rays  Once in 36 months  Bitewing X-Rays  For a child under 14: 1 time in 1 calendar year  Adult: 1 time in 1 calendar year  Labs & Other Tests  Periapical X-Rays  Other X-Rays TYPE B Benefits are payable immediately from the start date of an individual’s benefits  Consultations  1 in 12 months  Amalgam Fillings  1 replacement per surface in 24 Months  Root Canal  1 per tooth per lifetime  Periodontal Maintenance  2 perio. Treatments in 1 calendar yr, includes 2 cleanings (total comb: 2)  Periodontal Surgery  1 per quadrant in any 36 month period  Scaling & Root Planing  1 per quadrant in any 24 month period  Emergency Palliative Treatment  General Anesthesia  Resin Composite Fillings(includes coverage for composite fillings on molars)  Pulpotomy  Pulp Capping  Pulp Therapy  Apexification & Recalcification  Periodontal Surgery – Soft & Connective Tissue Grafts  Periodontics – Non-Surgical  Oral Surgery: Simple Extractions  General Services  Occlusal Guards / Bruxism Appliances TYPE C Benefits are payable immediately from the start date of an individual’s benefits  Prefabricated Crowns  1 per tooth in 60 months  Crown Buildups / Post Core  1 per tooth in 60 months  Repairs  No Limit  Recementations  1 in 12 months  Dentures  1 in 60 months  Immediate Temporary Dentures – Complete / Partial  1 replacement in 12 months  Dentures – Rebases / Relines  1 in 12 months MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 5 of 16 P2077466.964518.  Denture Adjustments  1 in 12 months  Fixed Bridges  1 in 60 months  Inlays / Onlays /Crowns  1 replacement per tooth in 60 months  Implant Services  1 per tooth position in 10 calendar years  Implant Repairs  1 per tooth in 10 calendar years  Implant Supported Prosthetic  1 per tooth in 10 calendar years  Tissue Conditioning  1 in 36 months  Occlusal Adjustments  1 in 12 months  Oral Surgery: Surgical Extractions  Other Oral Surgery Orthodontics Benefits are payable immediately from the start date of an individual’s benefits  Orthodontic Diagnostics  Orthodontic Treatment Exclusions All Active Full Time Employees in PPO  Services which are not dentally necessary, those which do not meet generally accepted standards of care for treating the particular dental condition, or which we deem experimental in nature.  Services for which a covered person would not be required to pay in the absence of dental insurance.  Services or supplies received by a covered person before the insurance starts for that person.  Services which are neither performed nor prescribed by a dentist except for those services of a licensed dental hygienist which are supervised and billed by a dentist and which are for scaling or polishing of teeth or fluoride treatment.  Services which are primarily cosmetic unless required for the treatment or correction of a congenital defect of a newborn child.  Services or appliances which restore or alter occlusion or vertical dimension.  Restoration of tooth structure damaged by attrition, abrasion or erosion unless caused by disease.  Restorations or appliances used for the purpose of periodontal splinting.  Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco.  Personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss.  Initial installation of a Denture to replace one or more teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth.  Decoration or inscription of any tooth, device, appliance, crown or other dental work.  Missed appointments.  Services covered under any workers’ compensation or occupational disease law.  Services covered under any employer liability law.  Services for which the employer of the person receiving such services is not required to pay.  Services received at a facility maintained by the Policyholder, labor union, mutual benefit association, or VA hospital.  Services covered under other coverage provided by the Policyholder.  Temporary or provisional restorations.  Temporary or provisional appliances.  Prescription drugs.  Services for which the submitted documentation indicates a poor prognosis.  Services, to the extent such services, or benefits for such services, are available under a government plan. This exclusion will apply whether or not the person receiving the services is enrolled for the government plan. We will not exclude payment of benefits for such services if the government plan requires that Dental Insurance under the group policy be paid first.  The following when charged by the dentist on a separate basis - Claim form completion; infection control such as gloves, masks, and sterilization of supplies; or local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide.  Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing and biting of food. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 6 of 16 P2077466.964518.  Caries susceptibility tests.  Precision attachments associated with fixed and removable prostheses.  Adjustment of a denture made within 6 months after installation by the same dentist who installed it.  Duplicate prosthetic devices or appliances.  Replacement of a lost or stolen appliance, cast restoration or denture.  Intra and extraoral photographic images.  Fixed and removable appliances for correction of harmful habits.  Treatment of temporomandibular joint disorder. This exclusion does not apply to residents of Minnesota. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 7 of 16 P2077466.964518. Summary of Benefits Dental Coverage - RQ2 Dental E/P in B 2yr RG 3rd yr cap Managed Dental Plan MET245 - Texas Code Description Co-Payment Diagnostic Treatment D0120 Periodic Oral Evaluation – established patient $0 D0150 Comprehensive Oral Evaluation – New or Established Patient $0 D0210 Intraoral – Complete Series of Radiographic Images $0 D0274 Bitewings – Four Radiographic Images $0 D0330 Panoramic Radiographic Image $0 Preventive Services D1110 Prophylaxis – Adult $0 D1120 Prophylaxis – Child $0 D1351 Sealant – per tooth $0 Restorative Services D2140 Amalgam – One Surface, Primary or Permanent $0 D2330 Resin-Based Composite – One Surface, Anterior $0 D2391 Resin-Based Composite – One Surface Posterior $30 Crowns D2750 Crown-Porcelain Fused to High Noble Metal $245 D2751 Crown-Porcelain Fused to Predominantly Base Metal $245 Endodontics D3220 Therapeutic Pulpotomy (excluding final restoration)-removal of pulp coronal to the dentinocemental junction and application of medicament $30 D3330 Endodontic therapy, Molar (excluding final restoration) $210 Periodontics D4260 Osseous Surgery (Including Flap Entry and closure) – Four or more contiguous teeth or tooth bounded spaces per quadrant $300 D4341 Periodontal scaling and root planing – Four or more teeth per quadrant $50 D4381 Localized delivery of antimicrobial agents via controlled release vehicle into diseased crevicular tissue, per tooth $65 D4910 Periodontal Maintenance $40 Prosthodontics D5110 Complete Denture - Maxillary $325 D5120 Complete Denture - Mandibular $325 D5211 Maxillary partial denture – resin base (including any conventional clasps, rests and teeth) $400 D5212 Mandibular partial denture – resin based (including any conventional clasps, rests and teeth) $400 Implants D6010 Surgical placement of implant body: endosteal implant $1,005 D6059 Abutment supported porcelain fused to metal crown (high noble metal) $660 Crowns / Fixed Bridges D6241 Pontic – Porcelain fused to predominantly base metal $245 D6750 Retainer Crown - Porcelain fused to high noble metal $245 MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 8 of 16 P2077466.964518. Oral Surgery D7140 Extraction, erupted tooth or exposed root (elevation and/or forceps removal) $5 D7210 Extraction, erupted tooth requiring removal of bone and/or sectioning of tooth, and including elevation of mucoperiosteal flap if indicated $30 D7220 Removal of impacted tooth – soft tissue $50 D7240 Removal of impacted tooth – completely bony $80 Orthodontics D8020 Limited orthodontic treatment of the transitional dentition $1,000 D8030 Limited orthodontic treatment of the adolescent dentition $1,000 D8040 Limited orthodontic treatment of the adult dentition $1,000 D8070 Comprehensive orthodontic treatment of the transitional dentition $1,850 D8080 Comprehensive orthodontic treatment of the adolescent dentition $1,850 D8090 Comprehensive orthodontic treatment of the adult dentition $1,850 Adjunctive General Services D9110 Palliative (emergency) treatment of dental pain – minor procedure $10 D9310 Consultation – diagnostic service provided by dentist or physician other than requesting dentist or physician $0 The above description is only a summary of the Managed Dental Plan being offered. A complete copy of all the terms and conditions of the Managed Dental Plan being offered is set forth in the Managed Dental Plan Schedule of Benefits provided herewith. Managed Dental Plan Rate per Employee Lives Est Monthly Premium Est Annual Premium  Employee Only $14.76 8 $1,194 $14,331  Employee + Spouse $28.05 7  Employee + Child(ren) $29.53 5  Employee + Family $45.76 16  Total 36 Rates are guaranteed from October 1, 2017 - September 30, 2019 (24 months) 3rd year Rate Cap: The second year’s renewal rates will not be increased by more than 8.0% above the current rates. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 9 of 16 P2077466.964518. Limitations & Exclusions Texas Limitations and Additional Charges Class Description: All Active Full Time Employees in DHMO General • Specialty Care Dentists will accept the contracted fee for all Covered Services. • General anesthesia or IV sedation is a Covered Service only if it is provided in a Selected General Dental Office, administered by the Selected General Dentist or Specialty Care Dentist, and is in conjunction with covered oral and periodontal surgical procedures or when deemed necessary by the Selected General Dentist or Specialty Care Dentist. • Sterilization and infection control are not billable to Us or You or Your Dependent and are included within the charges for other services provided on that date of service. o Local Anesthetic is included in all restorative and surgical procedure fees. o All adhesives, liners, bases and occlusal adjustments are included as a part of the restorative procedure. Preventive • Routine cleanings (oral Prophylaxis), periodontal maintenance services (following active periodontal therapy) and fluoride treatments are limited to twice a year. Two (2) additional cleanings (routine and periodontal) are available at the Co-Payment listed in the SCHEDULE OF BENEFITS. Additional Prophylaxis are available, if Dentally Necessary. • Sealants and/or preventive resin restorations: Plan benefit applies to primary and permanent molar teeth, limited to age 19, one (1) per tooth, per thirty-six (36) months, unless Dentally Necessary. • Space maintainers are covered to age 14 once per area, per lifetime. Replacement of lost space maintainers are not a Covered Service. Diagnostic • Panoramic or full mouth x-rays (including bitewings): once every three (3) years, unless Dentally Necessary for a specific dental problem. • All costs for additional periapical and bitewing x-rays provided on the same day that a full mouth x-ray is provided to You or Your Dependent are included in the costs for the full mouth x-ray. Restorative Treatment Crowns, Implants and Fixed Bridges • An additional charge, not to exceed $150 per unit, will be applied for any procedure using noble, high noble or titanium metal. • Cases involving seven (7) or more Crowns, implants and/or fixed Bridge units in the same treatment plan require an additional $125 Co-Payment per unit in addition to the specified Co-Payment for each Crown, implant or Bridge unit. • There is a $75 Co-Payment per molar, for the use of porcelain. • Prefabricated stainless steel Crowns or prefabricated resin Crowns are limited to no more than one (1) replacement for the same tooth surface within five (5) years. • Charges for temporary Crowns/restorations are included within the costs of the permanent Crown/restoration. • Provisional Crowns/restorations are to be used for an interim of at least six (6) months duration. Interim Crowns/restorations are to be used for a period of at least two (2) months duration. These procedures are to be utilized during restorative treatment to allow adequate time for healing or completion of other procedures. They are not to be used as temporary restorations. • Replacement of any Cast Restorations with the same or a different type of MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 10 of 16 P2077466.964518. Cast Restoration are limited to no more than once every five (5) years. • Core buildups are limited to no more than once per tooth in a period of five (5) years. • Post and cores are limited to no more than once per tooth in a period of five (5) years. • Labial veneers are limited to no more than once per tooth in a period of five (5) years. Prosthodontics • Relinings and rebasings are limited to one (1) every twelve (12) months. • Dentures (full or partial): Replacement only after five (5) years have elapsed following any prior provision of such Dentures under a SafeGuard Plan, unless due to the loss of a natural tooth which cannot be added to the existing partial. Replacements will be a benefit under this Plan only if the existing Denture is unsatisfactory and cannot be made satisfactory as determined by the treating Selected General Dentist or Specialty Care Dentist. • Replacement of an immediate full Denture with a permanent full Denture if the immediate full Denture cannot be made permanent and such replacement is done within twelve (12) months of the installation of the immediate full Denture. • Adjustments of Dentures if at least six (6) months have passed since the installation of the existing removable Denture. • Delivery of removable and fixed Prosthodontics includes up to three (3) adjustments within six (6) months of delivery date of service. • Tissue conditioning eligible one (1) per appliance each twenty-four (24) months. • Provisional prostheses are to be used for an interim of at least six (6) months duration. Interim prostheses are to be used for a period of at least two (2) months duration. These procedures are to be utilized during restorative treatment to allow adequate time for healing or completion of other procedures. They are not to be used as temporary restorations. Endodontics • The Co-Payments listed for Endodontic procedures do not include the cost of the final restoration. • Materials used for canal irrigation are included in the Endodontic procedure fees. Oral Surgery • The removal of asymptomatic third molars is not a Covered Service. Pathology (disease) must exist for it to be covered by the program. • Includes routine post operative visits/treatments. Implant Services • Implants are limited to no more than once for the same tooth position in a five (5) year period. • Repairs of implants are limited to not more than once in a twelve (12) month period. • Implant supported prosthetics are limited to no more than once for the same tooth position in a five (5) year period: o when needed to replace congenitally missing teeth; or o when needed to replace natural teeth. • The following are limited to no more than two (2) each per year: Implants, Implant supported prosthetics, and Implant abutments. Periodontics • Irrigation (such as Chlorhexidine), is included with the other services rendered that day. • Local chemotherapeutic agents are limited to no more than six (6) teeth per arch. Treatment plans involving more than six (6) teeth per arch, require prior Plan approval. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 11 of 16 P2077466.964518. • Periodontal maintenance is eligible following active periodontal therapy, which includes scaling and root planing, surgery, etc. • Periodontal scaling and root planing, is limited to not more than once per Quadrant in any twenty-four (24) month period. • Periodontal surgery, including gingivectomy, gingivoplasty and osseous surgery, is limited to no more than one surgical procedure per Quadrant in any thirty-six (36) month period. • Periodontal charting for planning treatment of periodontal disease is included as part of overall diagnosis and treatment. No additional charge will apply to You or Your Dependent or Us. Orthodontics • If You or Your Dependent require the services of an orthodontist, a referral must first be facilitated by Your Selected General Dentist. If a referral is not obtained before the Orthodontic treatment begins, You will be responsible for all costs associated with any Orthodontic treatment. • If You or Your Dependent terminate coverage from the SafeGuard Plan after the start of Orthodontic treatment, You will be responsible for any additional charges incurred for the remaining Orthodontic treatment. • Orthodontic treatment must be provided by a Selected General Dentist or Specialty Care Dentist whose specialty is orthodontics or pediatric dentistry for the Co-Payments listed in this SCHEDULE OF BENEFITS to apply. • Plan benefits shall cover twenty-four (24) months of usual and customary Orthodontic treatment and an additional twenty-four (24) months of retention. Treatment extending beyond such time periods will be subject to a charge of $25 per visit. • The retention phase of treatment shall include the construction, placement, and adjustment of retainers. • Continuing Orthodontic treatment is available if You or Your Dependent qualify by enrolling within 30 days of the Effective Date for an eligible policyholder; You or Your Dependent had Orthodontic coverage under the policyholder's prior plan and were in active Orthodontic treatment, covered by that Plan, as of the Effective Date of this group contract. Upon receipt of a completed Continuing Orthodontic Form by Us, with all supporting documentation, We will accept liability for continuing payment of the remaining balance owed, up to a maximum of $1,500 times the percentage of the total treatment remaining as of this group contract’s Effective Date, subject to the section titled DENTAL BENEFITS: LIMITATIONS AND ADDITIONAL CHARGES and DENTAL BENEFITS: EXCLUSIONS. The Continuing Orthodontic provision is not available: o thirty (30) days after this group contract’s Effective Date; o to a person who enrolls after the group contract’s Effective Date; or o to a person who is not in active Orthodontic treatment as of the Effective Date of this group contract. Exclusions • Any procedures not specifically listed as a Covered Service in this SCHEDULE OF BENEFITS or dental procedures or services performed solely for Cosmetic purposes (unless specifically listed as a Covered Service in this SCHEDULE OF BENEFITS), are not covered. • Covered Services must be performed by Your Selected General Dental Office or a SafeGuard Specialty Care Dentist to whom You are referred in accordance with the terms of Your evidence of coverage and SCHEDULE OF BENEFITS. Services performed by any Dentist not contracted with SafeGuard are not Covered Services, without prior approval by SafeGuard MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 12 of 16 P2077466.964518. or Your Selected General Dentist, in accordance with the terms of Your evidence of coverage and SCHEDULE OF BENEFITS (except for out-of- area emergency services). • Dental procedures started prior to Your or Your Dependent’s eligibility under this SCHEDULE OF BENEFITS or started after Your or Your Dependent’s benefits have ended. For example, teeth prepared for Crowns, root canals in progress (the tooth has been opened into the pulp (nerve chamber)), or full or partial Dentures for which an impression has been taken. • Any dental services, or appliances, which are determined to be not reasonable and/or necessary for maintaining or improving You or Your Dependent’s dental health, as determined by the Selected General Dentist, and Us based on generally accepted dental standards of care. • Orthognathic surgery. • Inpatient/outpatient hospital charges of any kind, including prescriptions or medications, except for palliative care for an Emergency Dental Condition. General anesthesia or IV sedation is not covered for any reason if rendered in an out patient facility or hospital. Dental charges will be covered, if the procedure performed is covered by the Plan. • Replacement of Dentures, Crowns, appliances or Bridgework that have been lost, stolen or damaged. • Treatment of malignancies, cysts, or neoplasms, unless specifically listed as a Covered Service in the SCHEDULE OF BENEFITS. Any services related to pathology laboratory fees. • Procedures, appliances, or restorations whose primary purpose is to change the vertical dimension of occlusion, correct congenital malformation, developmental, or medically induced dental disorders including, but not limited to, treatment of myofunctional, myoskeletal, or temporomandibular joint disorders unless otherwise specifically listed as a Covered Service in this SCHEDULE OF BENEFITS. • Dental services provided for or paid by a federal or state government agency or authority, political subdivision, or other public program other than Medicaid or Medicare. • Dental services required while serving in the armed forces of any country or international authority. • Dental services considered Experimental or Investigational in nature. If We make a determination that a Dental service is Experimental or Investigational in nature, this Adverse Determination may be appealed as described in the section titled APPEAL OF ADVERSE DETERMINATION in Your Evidence of Coverage. • Treatment required due to an accident from an external force, unless otherwise listed as Covered Service in this SCHEDULE OF BENEFITS. • The following are not included as Orthodontic benefits: o Repair or replacement of lost or broken appliances; o Retreatment of Orthodontic cases; o Treatment involving:  Maxillo-facial surgery, myofunctional therapy, cleft palate, micrognathia, macroglossia;  Hormonal imbalances or other factors affecting growth or developmental abnormalities;  Treatment related to temporomandibular joint disorders; o Composite or ceramic brackets, lingual adaptation of Orthodontic bands and other specialized or Cosmetic alternatives to standard fixed and removable Orthodontic appliances. Invisalign services are excluded. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 13 of 16 P2077466.964518. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 14 of 16 P2077466.964518. Highlights Broker Commissions included in the rate: Employer Sponsored Dental: Standard Scale Managed Dental Plan: Flat 10.00% Employer Sponsored Dental and Voluntary Dental Expected Participation: 100% and at least 10 covered lives. Managed Dental Plan Expected Participation: Minimum of 30% combined for all plans (Managed Dental Plan /PPO), with: • A minimum of 5 enrolled lives for the Managed Dental Plan; and • A minimum of 10 enrolled lives for all PPO plan(s). Employee Contributions: 1% Financial Arrangement: Non-retrospectively Experience Rated Situs is TEXAS Managed Dental Plan State: Texas Only those residing in the United States are eligible for benefits Only those persons who reside, live or work where the Managed Dental Plan is authorized to do business are eligible for benefits. Dependent Child Definition: A Child is covered up to age 26, A student is covered up to age 26. Ortho coverage applies to: Adult (employee / spouse) & Child. Children are covered to the dependent age limit. This quote assumes the plan is not a Section 125 plan. An Open Enrollment period occurring annually is included. The Summary of Benefits page is just a summary of the full benefits for this plan. The specific details, including benefits, limitations and exclusions are available upon request as is the Evidence of Coverage. In the event of a discrepancy, the Evidence of Coverage, and official Schedule of Benefits control the administration of plan benefits. Managed Dental Plans encompass both Dental HMO and Managed Care Plans. Dental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation, in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc., a California corporation in CA; SafeGuard Health Plans, Inc., a Florida corporation in FL; SafeGuard Health Plans, Inc., a Texas corporation in TX; and MetLife Health Plans, Inc., a Delaware corporation and Metropolitan Life Insurance Company, a New York corporation, in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 15 of 16 P2077466.964518. Underwriting Assumptions WillsCenter.com: Online will prep service offered through SmartLegalForms, Inc., available to all customers at no charge. If insurance coverage is provided, it will be governed by the terms and conditions of the insurance policy and applicable law. If administrative services are provided, they are governed by the terms and condition of the administrative services agreement and by applicable law. If MetLife is requested to duplicate contractual provisions from the prior carrier, such provisions must be compatible with all MetLife's standards. The quoted rates and or fees are based upon the request received. If new or additional information in connection with this request is provided, MetLife reserves the right to change its quote at any time before the effective date. After the effective date, rate and or fees are subject to the terms and conditions of the policy and or administrative services agreement. Only those eligible persons residing in the United States may be covered. Any others must be approved by MetLife. NOTICE REGARDING NON-US COVERAGE When providing you with information concerning a group insurance policy issued or proposed to your affiliate or subsidiary outside the United States by a Metropolitan Life Insurance Company (MLIC) affiliate or by other locally licensed insurers that are members of the MAXIS Global Benefits Network (MAXIS GBN), New York insurance law requires the person providing the information to be licensed as an insurance broker. In this capacity, the information provided to you will only be on behalf of such insurers and not on behalf of MLIC or any other insurer that is not a member of MAXIS GBN. Please note that while MLIC is a member of MAXIS GBN and is licensed to transact insurance business in New York, the other MAXIS GBN member insurers are not licensed or authorized to do business in New York. The group insurance policies they issue are for coverage outside the United States and are governed by the laws of the country they were issued in. These policies have not been approved by the New York Superintendent of Financial Services, are not subject to all of the laws of New York, and are not protected by the New York State Guaranty Fund. SIC Code: 9111 MetLife Cost & Benefits Summary 7/24/2017 12:37 PM Page 16 of 16 P2077466.964518. INTERMEDIARY AND PRODUCER COMPENSATION NOTICE MetLife enters into arrangements concerning the sale, servicing and/or renewal of MetLife group insurance and certain other group-related products (“Products”) with brokers, agents, consultants, thirdparty administrators, general agents, associations, and other parties that may participate in the sale, servicing and/or renewal of such Products (each an “Intermediary”). MetLife may pay your Intermediary compensation, which may include, among other things, base compensation, supplemental compensation and/or a service fee. MetLife may pay compensation for the sale, servicing and/or renewal of Products, or remit compensation to an Intermediary on your behalf. Your Intermediary may also be owned by, controlled by or affiliated with another person or party, which may also be an Intermediary and who may also perform marketing and/or administration services in connection with your Products and be paid compensation by MetLife. Base compensation, which may vary from case to case and may change if you renew your Products with MetLife, may be payable to your Intermediary as a percentage of premium or a fixed dollar amount. MetLife may also pay your Intermediary compensation that is based upon your Intermediary placing and/or retaining a certain volume of business (number of Products sold or dollar value of premium) with MetLife. In addition, supplemental compensation may be payable to your Intermediary. Under MetLife’s current supplemental compensation plan, the amount payable as supplemental compensation may range from 0% to 8% of premium. The supplemental compensation percentage may be based on: (1) the number of Products sold through your Intermediary during a prior one-year period; (2) the amount of premium or fees with respect to Products sold through your Intermediary during a prior one-year period; (3) the persistency percentage of Products inforce through your Intermediary during a prior one-year period; (4) premium growth during a prior one-year period; (5) a fixed percentage of the premium for Products as set by MetLife. The supplemental compensation percentage will be set by MetLife prior to the beginning of each calendar year and it may not be changed until the following calendar year. As such, the supplemental compensation percentage may vary from year to year, but will not exceed 8% under the current supplemental compensation plan. The cost of supplemental compensation is not directly charged to the price of our Products except as an allocation of overhead expense, which is applied to all eligible group insurance products, whether or not supplemental compensation is paid in relation to a particular sale or renewal. As a result, your rates will not differ by whether or not your Intermediary receives supplemental compensation. If your Intermediary collects the premium from you in relation to your Products, your Intermediary may earn a return on such amounts. Additionally, MetLife may have a variety of other relationships with your Intermediary or its affiliates, or with other parties, that involve the payment of compensation and benefits that may or may not be related to your relationship with MetLife (e.g., insurance and employee benefits exchanges, enrollment firms and platforms, sales contests, consulting agreements, or reinsurance arrangements). More information about the eligibility criteria, limitations, payment calculations and other terms and conditions under MetLife’s base compensation and supplemental compensation plans can be found on MetLife’s Web site at www.metlife.com/brokercompensation. Questions regarding Intermediary compensation can be directed to ask4met@metlifeservice.com, or if you would like to speak to someone about Intermediary compensation, please call (800) ASK 4MET. In addition to the compensation paid to an Intermediary, MetLife may also pay compensation to your representative. Compensation paid to your representative is for participating in the sale, servicing, and/or renewal of Products, and the compensation paid may vary based on a number of factors including the type of Product(s) and volume of business sold. If you are the person or entity to be charged under an insurance policy or annuity contract, you may request additional information about the compensation your representative expects to receive as a result of the sale or concerning compensation for any alternative quotes presented, by contacting your representative or calling (866) 796-1800. L0716471568[exp0917][All States] L0816474103[exp1017][All Territories]