PLAN YEAR 2012 RETIREES HEALTH BENEFITS SUPPLEMENTAL BENEFITS PRESCRIPTION COVERAGE VISION COVERAGE DENTAL PLANS MENTAL HEALTH

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1 HEALTH BENEFITS PERSONNEL EMPLOYEE BENEFITS ANTHEM BLUE CROSS HDPPO KAISER HMO THE HARTFORD GROUP MEDICARE RETIREE PLAN KAISER SENIOR ADVANTAGE - HIGH KAISER SENIOR ADVANTAGE - LOW SUPPLEMENTAL BENEFITS PRESCRIPTION COVERAGE VISION COVERAGE DENTAL PLANS MENTAL HEALTH PLAN YEAR 2012 MEDICAL PRESCRIPTIONS VISION DENTAL MENTAL HEALTH

2 $ $ Retiree Only Retiree + Spouse or $ $1, MetLife Dental DHMO $ $ Delta Dental DPPO or $ $ MetLife Dental DHMO PLAN 5 $1, $2, $2, $3, * MetLife Dental DHMO $ $ Delta Dental DPPO or $ $ MetLife Dental DHMO KAISER SENIOR ADVANTAGE - LOW Kaiser RX Kaiser Mental Health Kaiser Vision or * Not all Retiree Rate categories are included in this comparison sheet. Please contact Fresno County Employee Benefits at (559) if your situation is not identified. Delta Dental DPPO KAISER SENIOR ADVANTAGE - HIGH Kaiser RX Kaiser Mental Health Kaiser Vision HARTFORD / BENISTAR Express Scripts RX Avante Mental Health MES Vision Dental Plans PLAN 4 PLAN 3 $1, $2, $2, $3, * MEDICARE (AGE 65 AND OVER) Medical Prescription Vision Mental Health $ $ $1, $1, $1, Delta Dental DPPO $ $1, $1, $1, $1, MetLife Dental DHMO Retiree Only Retiree + Child(ren) Retiree + Spouse Retiree + Spouse and Child(ren) Medicare & Non Medicare or KAISER HMO Kaiser RX Kaiser Mental Health Kaiser Vision ANTHEM BLUE CROSS HDPPO Anthem Blue Cross RX Anthem Blue Cross Mental Health MES Vision Delta Dental DPPO PLAN 2 PLAN 1 MONTHLY PREMIUMS Dental Plans NON-MEDICARE (UNDER AGE 65) Medical Prescription Vision Mental Health This information summarizes certain key features of the health/dental plans. It is provided for your convenience in comparing plans only. In all cases, official documents legally govern the plans operations and benefits. Retirees must meet the eligibility requirements of the selected plan regarding service area limitations. All benefits are covered as stated only so long as plan requirements for prior authorization, primary care physician referral and/or bona fide emergency or medical necessity are met. All benefits with a notation, limit days indicate the maximum covered per calendar or contract year. Please contact Employee Benefits at (559) for eligibility and premium payment information. Those enrolling into a Medicare Plan must be eligible for Medicare Parts A + B to qualify for coordination of Benefits with the health plan. COUNTY OF FRESNO HEALTH CARE BENEFITS COMPARISON -

3 PLAN 1 HDPPO In Network PROVIDERS Out of Network PHYSICIAN SELECTION SKILLED NURSING 20% 40% (Service areas are defined Covered out-of-state services (Benefits FACILITY in each plan s benefit Freestanding SNF/ provided through the BlueCard Program) summary) Hospital SNF Unit Benefits provided through the BlueCard Program, for out-of-state emergency and OTHER BENEFITS non-emergency care, are provided at the preferred level of the local Blue Plan allowable Home Health Care/ Hospice Care/Inpatient amount when you use a Blue Cross/Blue Respite Care Shield provider. PHYSICIAN Office Visits/Hospital Care/Home Visits In Network Out of Network Limited to 100 days per calendar year. 40% after deductible. Limited to 100 days per calendar year. DURABLE MEDICAL EQUIPMENT 40% after deductible. Prosthetic Medical Devices Not limited to maximum. PREVENTIVE Preventive care (not subject to the calendar year deductible). Routine Physicals Pediatric and Adult/ 40% after deductible. Laboratory/ Immunizations/ Annual Breast and Pelvic CHIROPRACTIC, Limited to 24 visits per calendar year. PHYSICAL, OCCUPATIONAL AND SPEECH THERAPY REHABILITATIVE Outpatient Services HOSPITAL ALLERGY TESTING AND TREATMENT HEARING TEST/ HEARING AID * 1 aid per ear every 36 months. EMERGENCY (When medically necessary) Ambulance EMERGENCY ROOM Accident or Illness INPATIENT Semiprivate Room, ICU Bariatric Surgery Area Hospitals including Saint Agnes, Community Medical Center of Fresno, Clovis Community Hospital, Children s Hospital Central California. * Not all hospitals are listed. Please visit the Anthem Blue Cross website for a complete listing at 20% INITIAL EVALUATION SPEECH AND HEARING DISORDERS 20% HEALTH EDUCATION 20% 20% DIABETES CARE 20% OUTPATIENT Surgery/X-RAY/ Lab Tests 40% after deductible. ACUPUNCTURE Not covered. 40% after deductible. 2 40% after deductible. 40% after deductible. Self-management training and education (if billed by your provider, you will also be responsible for the office visit co-payment). Equipment, devices and supplies. Limited to 12 visits per calendar year. Out of Network $30 maximum per visit. PROVIDERS Calendar-year Deductible: Individual $1,500/Family $3,000

4 PLAN 1 CONTINUED HDPPO $3,000 $5,000 Out of Network $10,000 $15,000 ANNUAL OUT OF POCKET MAXIMUM Individual Family In Network PRESCRIPTION DRUGS Benefits provided by Anthem B.C. Administered in Hospital or Dr. Office/Outpatient (Subject to deductible.) Prescriptions/Dental RX VISION BENEFITS Co-payments Examinations Eyeglasses Lenses Eyeglass Frames Contact Lenses Elective Contact Lenses Medically Necessary Lenses Laser Eye Surgery Lens Customization/ Additional Benefits MENTAL HEALTH Inpatient Outpatient Benefits provided by Medical Eye Services. $5.00 per covered person annually. Every 12 Months. In Network: Complete eye exam 100%. Out of Network: Maximum payable of $40. Every 12 Months. In Network: Covers standard lenses at 100%. Progressive lenses and polycarbonate lens coverage up to $ Additional allowances applied to some lens upgrades. Out of Network: Payable based on reimbursement benefit schedule. Every 24 Months. In Network: Allowance $ % discount of the amount over $150 on higher priced frames at participating discount provider locations. Out of Network: Maximum reimbursement of $75. Every 12 Months in lieu of eyeglasses. In Network: $130 maximum. Out of Network: $130 maximum. Every 12 Months. In Network: Paid in full. Out of Network: $250 maximum. Must be pre-authorized by MES Vision. 15% discount through TLC Vision network: Members responsible for optional upgrades such as lens tints and coatings. Some discounts may apply. Benefits provided by Anthem B.C. Prior authorization required after twelfth visit. 3 PROVIDERS

5 PLAN 2 HMO Primary care and specialty physician services SKILLED NURSING must be obtained at Kaiser Permanente FACILITY medical offices by teams of physicians Freestanding SNF/ affiliated with the Plan. You are encouraged to Hospital SNF Unit choose a personal physician from the staff for OTHER BENEFITS you and your family members. Referral to Routine Home Care/ community specialists may be provided when Inpatient Respite Care Specialty care services are unavailable at Kaiser Permanente facilities. Home Health Care/Home Hospice Care PHYSICIAN Office Visits $15 per provider visit. DURABLE MEDICAL Hospital Care No charge for inpatient care. EQUIPMENT Prosthetic Medical Devices Home Visits PHYSICAL, PREVENTIVE OCCUPATIONAL Routine Physicals AND SPEECH THERAPY Pediatric and Adult REHABILITATIVE Laboratory/ Immunizations Outpatient Services Annual Breast and Pelvic ALLERGY TESTING AND TREATMENT HOSPITAL Services available at Kaiser Permanente facilities. HEARING TEST EMERGENCY Worldwide coverage: Emergency service HEARING AID (When medically received within the service area from providers necessary) not contracting with health plan are limited to INITIAL EVALUATION emergencies which might result in death, SPEECH AND HEARING serious disability or significant jeopardy to the DISORDERS member s condition. Emergency services are provided outside the service area for members HEALTH EDUCATION/ DIABETES CARE becoming ill or injured while outside the service area. AMBULANCE $50 per trip. CHIROPRACTIC CARE EMERGENCY ROOM $100 per visit, waived if admitted. Accident or Illness INPATIENT Semiprivate Room, ICU/ Bariatric Surgery (Preauthorization Required) ACUPUNCTURE No charge at participating hospitals. Referral by a Plan physician required for all non-emergency hospital services. Limit 100 days per benefit period. No charge if prescribed by a Plan physician. 3 visits per day. 100 visits per year. 20% co-insurance. External prosthetic and orthotic devices. Occupational and speech therapy. $3 per injection. $1,000 per aid every 36 months. Most classes relating to specific medical conditions are Classes relating to general health are provided at a reasonable rate. $10 co-pay, limit 30 visits per calendar year. Services must be rendered by an American Specialty Health Plan Provider. Not covered. ANNUAL CO-PAYMENT $1,500 for one member. $3,000 for the LIMIT Subscriber and all his or her dependents. CLAIM FORMS OUTPATIENT Surgery $15 per procedure. X-RAY/Lab Tests 4 PHYSICIAN SELECTION (Service areas are defined in each plan s benefit summary) May be required for out-of-area emergency service.

6 PLAN 2 CONTINUED HMO Required. VISION BENEFITS Co-payments Examinations Eyeglasses Lenses/ Eyeglass Frames/Contact Lenses (Medically Necessary/Elective) Lens Customization/ Additional Benefits MENTAL HEALTH /CHEMICAL DEPENDENCY Inpatient Outpatient PRESCRIPTION DRUGS Administered in Hospital or Dr. Office Outpatient Prescriptions $10 co-pay (Generic); $20 co-pay (Brand), per 30-day supply. Mail orders: 100-day supply for two co-pays. Dental RX Same as outpatient. $175 allowance toward the purchase of covered lenses, frames and/or cosmetic contact lenses, every 24 months. Members responsible for non-basic lens options (tinting, scratch coating, photo-chromic lenses, etc.). 25% discount on second pair if purchased within one year. Benefits provided by Kaiser Permanente. Referral by a Plan physician required for all non-emergency admissions. $15 for an individual visit and $7 for a group visit. $5 for chemical dependency group visit. 5 COORDINATION OF BENEFITS

7 PLAN 3 GROUP MEDICARE RETIREE PLAN Disclaimer: The benefits described are for illustrative purposes only and are not binding. PHYSICIAN Office Visit Specialist Urgent Care The Hartford Product does not contract with providers. A member may receive health care services from any licensed provider as long as that provider participates in Original Medicare and is willing to accept the terms and conditions of the Hartford Medicare Supplement plan. OUTPATIENT Surgery $0 co-pay for each Outpatient Hospital Facility or Ambulatory Surgical Center visit for surgery. X-RAY/Lab Tests $0 co-pay for each Medicare-covered x-ray visit. $0 co-pay for Medicare-covered clinical/diagnostic lab test. $0 co-pay for each Medicare-covered visit. SKILLED NURSING FACILITY Freestanding SNF/ Hospital SNF Unit OTHER BENEFITS Home Health Care PREVENTIVE Routine Physicals Adult Laboratory Immunizations $0 co-pay (Influenza, Pneumonia and Hepatitis B). Annual Breast and Pelvic Pelvic & Pap Mammogram Home Hospice Care For Medicare-covered SNF stays: $0 co-pay per admission. $0 co-pay for Medicare covered home health visits. DURABLE MEDICAL 0% co-insurance on all Medicare-covered DME EQUIPMENT and related supplies. Prosthetic Medical Devices 0% co-insurance on all Medicare covered Prosthetic and related supplies. For Medicare-covered hospital stays: $0 co-pay PHYSICAL AND OCCUPATIONAL per admission. THERAPY, CARDIAC EMERGENCY This coverage is worldwide and is limited to AND PULMONARY (When medically what is allowed under the Medicare fee REHABILITATION AND necessary) schedule for the services performed/received SPEECH/LANGUAGE in the United States. Coverage is also available THERAPY for Emergency or urgent care services while ALLERGY TESTING traveling outside the United States during a AND TREATMENT temporary absence of less than 6 months. Please see EOC for full listing of coverage. HEARING TEST Ambulance $0 co-pay for Medicare-covered ambulance HEARING AID services. INITIAL EVALUATION EMERGENCY ROOM $0 co-pay for each Medicare-covered SPEECH & HEARING Accident or Illness emergency room visit. Emergency co-pay is DISORDERS waived if the member is admitted to the hospital within 72 hours for the same CHIROPRACTIC CARE condition. ACUPUNCTURE INPATIENT For Medicare-covered hospital stays: $0 co-pay ANNUAL CO-PAYMENT Semiprivate Room, ICU per admission. LIMIT HOSPITAL 6 $0 co-pay per visit for Medicare-covered outpatient rehabilitation services. Not covered. Not covered. $0 co-pay for each Medicare-covered visit. Not covered. Not applicable. CLAIM FORMS Not applicable. COORDINATION OF BENEFITS Medicare is primary payer. The Hartford is secondary. PHYSICIAN SELECTION (Service areas are defined in each plan s benefit summary) $0 Deductible

8 PLAN 3 CONTINUED GROUP MEDICARE RETIREE PLAN Benefits provided by the MES. $5 per visit. PRESCRIPTION DRUGS Preferred Generic Retail Generic Retail Preferred Brand and Specialty Retail Non-preferred Brand Retail Benefits provided by Express Scripts. $10 co-pay. $20 co-pay. MENTAL HEALTH Inpatient Benefits provided by the Hartford and Avante. For Medicare-covered Hospital Stays: $0 co-pay per admission. $0 co-pay for each Medicare-covered individual or group therapy visit. Additional services provided by Avante. Outpatient Disclaimer: The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. This brochure/presentation explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability. $175 allowance toward the purchase of covered lenses, frames and/or cosmetic contact lenses, every 24 months. Benefits provided by Medical Eye Services. Tinting, scratch coating, photo chromic lenses etc. Members responsible for non-basic lens options. 25% discount on second pair if purchased within one year. $30 co-pay. 7 VISION BENEFITS Co-payments Examinations Eyeglasses Lenses/ Eyeglass Frames/Contact Lenses (Medically Necessary/Elective) Lens Customization/ Additional Benefits

9 PLAN 4 SENIOR ADVANTAGE - HIGH PHYSICIAN SELECTION (Service areas are defined in each plan s benefit summary) PHYSICIAN Office Visits Hospital Care Home Visits OTHER BENEFITS Part time, intermittent care provided at no Routine Home Care and charge. Inpatient Respite Care/Home Health Care/Home Hospice Care Subscriber must have Medicare Parts A and B + D and live within the Kaiser Service Area. Physician's services are provided at Kaiser Permanente Medical Offices by teams of physicians affiliated with the Plan. You may choose a personal physician from the staff for you and your family members. DURABLE MEDICAL 20% co-insurance. EQUIPMENT Prosthetic Medical Devices 20% co-insurance. No charge when authorized by Plan physician. PHYSICAL, OCCUPATIONAL Inpatient provided at no charge. AND SPEECH THERAPY REHABILITATIVE Outpatient Services PREVENTIVE Routine Physicals Pediatric and Adult Laboratory Immunizations/ Annual Breast and Pelvic HOSPITAL Hospital services are provided at Kaiser Foundation Hospitals or at other hospitals contracting with the Plan. EMERGENCY Emergency services are provided at $50 per (When medically visit; waived if admitted. Must be medically necessary) necessary and authorized by Plan physician. Worldwide coverage for unforeseen illness or injury. Ambulance Provided at $100 co-pay when medically necessary or authorized by Plan Physician. EMERGENCY ROOM Accident or Illness $50 per visit, waived if admitted. INPATIENT Semiprivate Room, ICU ALLERGY TESTING AND TREATMENT $3 per injection. HEARING TEST HEARING AID $1,000 allowance per device, one device per ear, two devices every 36 months. HEALTH EDUCATION/ DIABETES CARE A variety of health education classes are available. CHIROPRACTIC CARE $10 co-pay, limit 30 visits per calendar year. Services must be rendered by an American Specialty Health Plan provider. ANNUAL CO-PAYMENT $1,500 for one member. LIMIT $3,000 for the Subscriber and all his or her dependents. OUTPATIENT Surgery $50 per procedure. X-RAY/Lab Tests SKILLED NURSING FACILITY Freestanding SNF/ Hospital SNF Unit Up to 100 days per benefit period. Each benefit period begins on the first day of acute stay or SNF stay and ends on the 61st day after discharge. A new benefit period then begins. Covered in Medicare-certified facility only by referral from Plan Physician. 8 CLAIM FORMS May be required for out-of-area emergency service. COORDINATION OF BENEFITS Not applicable.

10 PLAN 4 CONTINUED SENIOR ADVANTAGE - HIGH MENTAL HEALTH Inpatient Outpatient $175 allowance toward the purchase of covered lenses, frames and/or cosmetic contact lenses, every 24 months. Members responsible for non-basic lens options (tinting, scratch coating, photo-chromic lenses, etc.). 25% discount on second pair if purchased within one year. Referral by a Plan physician required for all non-emergency hospital admissions. $15 per visit; unlimited visits. No limit for parity diagnosis (severe mental illness). 9 VISION BENEFITS Co-payments Examinations Eyeglasses Lenses/ Eyeglass frames/contact Lenses (Medically Necessary/Elective) Lens Customization/ Additional Benefits PRESCRIPTION DRUGS Administered in Hospital or Dr. Office Outpatient Prescriptions Generic: $5 for up to 100-day supply. Brand: $20 for up to 100-day supply.

11 PLAN 5 SENIOR ADVANTAGE - LOW PHYSICIAN Office Visits Hospital Care Home Visits OTHER BENEFITS Part time, intermittent care provided at no Routine Home Care and charge. Inpatient Respite Care/Home Health Care/Home Hospice Care Subscriber must have Medicare Parts A and B + D and live within the Kaiser Service Area. Physician's services are provided at Kaiser Permanente Medical Offices by teams of physicians affiliated with the Plan. You may choose a personal physician from the staff for you and your family members. No charge when authorized by Plan physician. PREVENTIVE Routine Physicals Pediatric and Adult Laboratory Immunizations/ Annual Breast and Pelvic HOSPITAL Hospital services are provided at Kaiser Foundation Hospitals or at other hospitals contracting with the Plan. EMERGENCY Emergency services are provided at $50 per (When medically visit; waived if admitted. Must be medically necessary) necessary and authorized by Plan physician. Worldwide coverage for unforeseen illness or injury. Ambulance $100 co-pay when medically necessary or authorized by Plan Physician. EMERGENCY ROOM Accident or Illness $50 per visit, waived if admitted. INPATIENT Semiprivate Room, ICU PHYSICAL, OCCUPATIONAL Inpatient provided at no charge. AND SPEECH THERAPY REHABILITATIVE Outpatient Services ALLERGY TESTING AND TREATMENT $3 per injection. HEARING TEST HEARING AID $1,000 allowance per device, one device per ear, two devices every 36 months. HEALTH EDUCATION/ DIABETES CARE A variety of health education classes are available. CHIROPRACTIC CARE $10 co-pay, limit 30 visits per calendar year. Services must be rendered by an American Specialty Health Plan provider. ANNUAL CO-PAYMENT $1,500 for one member. LIMIT $3,000 for the Subscriber and all his or her dependents. OUTPATIENT Surgery $50 per procedure. X-RAY/Lab Tests SKILLED NURSING FACILITY Freestanding SNF/ Hospital SNF Unit DURABLE MEDICAL 20% co-insurance. EQUIPMENT Prosthetic Medical Devices 20% co-insurance. CLAIM FORMS May be required for out-of-area emergency service. COORDINATION OF BENEFITS Not applicable. Up to 100 days per benefit period. Each benefit period begins on the first day of acute stay or SNF stay and ends on the 61st day after discharge. A new benefit period then begins. Covered in Medicare-certified facility only by referral from Plan Physician. 10 PHYSICIAN SELECTION (Service areas are defined in each plan s benefit summary)

12 PLAN 5 CONTINUED SENIOR ADVANTAGE - LOW VISION BENEFITS Co-payments Examinations Eyeglasses Lenses/ Eyeglass frames/contact Lenses (Medically Necessary/Elective) Lens Customization/ Additional Benefits MENTAL HEALTH Inpatient Outpatient $175 allowance toward the purchase of covered lenses, frames and/or cosmetic contact lenses, every 24 months. Members responsible for non-basic lens options (tinting, scratch coating, photo-chromic lenses, etc.). 25% discount on second pair if purchased within one year. Referral by a Plan physician required for all non-emergency hospital admissions. $15 per visit; unlimited visits. No limit for parity diagnosis. 11 PRESCRIPTION DRUGS Administered in Hospital or Dr. Office Outpatient Generic: $10 for up to 30-day supply. Brand: $25 for up to 30-day supply. Prescriptions Generic: $20 for up to 100-day mail order supply. Brand: $50 for up to 100-day mail order supply.

13 $2,500 per person per year. (Maximum Waived for Diagnostic, Orthodontia & Preventive Services) Covered the same as routine services. Participating dentists will submit claim forms for you. The plan will coordinate with other coverages if the person is qualified in more than one plan. No service limitations in California. MAXIMUM BENEFITS Predetermination of Benefits EMERGENCY CLAIM FORMS COORDINATION OF BENEFITS SERVICE AREA 0% *(Deductible Waived) 0% (Deductible Waived) *Extra visit for pregnancy. 10% 10% DHMO Plan SUPPLEMENTAL No charge (except for resin/composite fillings on posterior teeth; the co-pays for these procedures range from $85-$140). The no charge is for amalgam for all teeth and resin/composite for anterior teeth. No service limitations in California. The plan will coordinate with other coverages if the person is qualified in more than one plan for specialty claims only. No claim forms are necessary except for out-of the-area emergencies. Palliative treatment of pain only. No annual maximum. No deductible. Members must select a dentist from the list of Plan approved dentists. Members receive benefits from one of the participating dentists in the network. The plan covers most preventive diagnostic, restorative and other basic procedures at NO CHARGE. Major procedures may require fixed co-pays. Preventive Services/Cleanings & Fluoride Treatment BENEFIT PROVISIONS BASIC/PREVENTIVE Diagnostic Services Examinations, X-rays, Check-ups Basic and Major Services: $50 per person, $150 per family per calendar year. No deductible for Preventive/Diagnostic services from a PPO dentist, and Orthodontic services. DEDUCTIBLE Non-preferred Provider Dentist All covered persons may select a dentist without restriction. If a participating dentist is selected, the member may have a reduction in out-of-pocket costs. DENTIST SELECTION Preferred Provider Dentist Plan will pay a portion of the bill after deductible is met. The Plan s portion for covered basic and preventive services is 100% of the covered dental expense. All covered major services and some basic services are paid at 50% of the covered dental expense. Dental implants and composite fillings may be covered. DPPO Plan SUMMARY

14 DHMO Plan SUPPLEMENTAL CONTINUED Lost/stolen appliances; Cosmetic dentistry (except those noted within the schedule of benefits); Hospital expenses; Replacement of repairable dentures; Orthognatic surgery; Implants; Experimental/unnecessary procedures; Treatment to alter vertical dimension; TMJ treatment; Other exclusions/limitations as provided in policy. Adult member (age 20 and over) $1,400 co-pay per case. Child member (through age 19) $1,300 co-pay per case. Most services do not require a co-pay. Co-pay may be required for an upgrade from a base metal to a precious metal. No charge, except for teeth bleaching. Members receive benefits from one of the participating dentists in the network. The plan covers most preventive diagnostic, restorative and other basic procedures at NO CHARGE. More than two cleanings per calendar year; Lost/stolen appliances; Cosmetic dentistry; Charges in excess of customary for Nonparticipating dentists; Hospital expenses; Prescription drugs; Replacement of prosthetics within 5 years of placement; Unnecessary/Experimental procedures; Treatment to alter vertical dimension; TMJ treatment; Other exclusions/limitations as provided in policy. 50% EXCLUSIONS/LIMITATIONS 50% MAJOR - Oral Surgery Impactions/Root Canals/ Apicoectomy/Periodontal Surgery/Crowns/Bridges/ Dentures/Other Prosthetics/ Simple Extractions/Implants (DPPO Only) 50% Adult member (age 20 and over) $1,880 co-pay per case. Child member (through age 19) $1,660 co-pay per case. One case per lifetime. Maximum of 24 months of active orthodontic treatment. 50% OTHER - Endodontics (minor)/treatment of Gums (minor)/teeth Bleaching (DHMO Only) 10% Non-preferred Provider Dentist DPPO Plan OTHER BENEFITS - Orthodontia* (Teeth Straightening - Adults and Children) 10% Preferred Provider Dentist Restorative Services/Fillings, Pulp Capping

15 ADDITIONAL RESOURCES FOR w w w. c o. f re s n o. c a. u s / o p e n e n ro l l m e n t MEDICAL Anthem Blue Cross HDPPO ($1,500) / Phone: (866) Kaiser HMO Pre-65 / Phone: (800) The Hartford / Benistar / Phone: (800) Kaiser Senior Advantage (High and Low) / Phone: (800) /7 Nurseline for HDPPO / Phone: (866) DENTAL Delta Dental DPPO Group Number: 5879 / Phone: (800) MetLife Dental DHMO / Phone: (800) VISION MEDICAL EYE Group Number: / Phone: (800) MENTAL HEALTH AVANTE Phone: (559) PERSONNEL EMPLOYEE BENEFITS OPEN ENROLLMENT OFFICE 2220 Tulare Street, 14th Floor Fresno, California Phone: (559) Designed & Printed by: Graphic Communication Services Phone: (559)