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SUNNYISLES 1703779 City of Sunny Isles Beach PARTICIPATION REQUIREMENTS 0 If the dental plan is provided on a noncontributory basis (the employer pays the entire premium), 100% of eligible persons must be enrolled in the plan. If the dental plan is contributory, no less than 75% of eligible employees and 60% of eligible dependent units must be enrolled. There are two exceptions to these requirements: - If an employee and /or dependent is covered by another group dental plan, that person(s) will not be counted as an eligible person, if a signed waiver card is submitted. However, if 30% or more of eligible employees do not enroll because of other coverage, Jefferson Pilot Financial reserves the right to reevaluate the plan and rates illustrated. - When a husband and wife are employed by the same company and have dependent children to enroll, then either the husband or the wife may be covered as a dependent of the other spouse. In any event, a minimum of 10 employees must be enrolled. A minimum of 8 family units must be covered in order to include - or continue - coverage for Orthodontics. PREFERRED PROVIDER OPTION* Jefferson Pilot Financial's dental Preferred Provider Option (PPO) allows each employee and each dependent to select the dentist of his or her choice -- each time he or she goes to the dentist. dn- Network benefits are payable when the patient receives treatment from a dentist who is participating in the dental network. With the PPO, employers and employees can save in several ways: - Negotiated discounts from participating dentists may allow Jefferson Pilot Financial to charge lower premium rates for a dental plan which includes a Preferred Provider option. - Those discounted fees can reduce the amount a participating dentist would charge the patient. - The PPO dental plan can include a higher level of reimbursement when patients visit a participating dentist. *inside Texas - Contracting Dentist Plan DIRECTORY OF PARTICIPATING DENTISTS Provider directories will be provided to eligible employees at the time of enrollment. Jefferson Pilot Financial also maintains a look -up function on its Website [www.jpfinancial.com] which allows plan participants to get current information about participating dentists, by specialty; or to verify if a specific dentist is participating in the PPO network. Copies of the directory can also be obtained by calling our Client Management Department. PRIOR CARRIER CREDIT PROVISION To prevent loss of coverage for plan participants because of a change in carriers, Jefferson Pilot Financial offers 'prior carrier credit' for employees and dependents who are covered on the policy effective date; but only if they were covered under the employer's prior group dental plan on the day before the policy effective date. Except in FL, ID and NJ, the employer's dental plan must have been in force with the current carrier for at least 12 months, to be eligible for the credit. r� U Jefferson Pilot Financial Insurance Company 27 11/2/01