A Dual Option Dental Benefit

NPD�

After talking to hundreds of benefi ts administrators, an overwhelming majority wanted two features in their dental plan: CHOICE for employees, and EASE of administration. DUET, NPD’s Dual Option product, gives you both. Duet seamlessly combines two great plans into a single package, eliminating hassles and giving your employees what they want most - choice.

Duet combines our Direct Compensation managed care plan with our Performance PPO. Employees can choose which plan best meets their needs. Like two voices joined in song, Duet is two plans working in harmony to give you one “greatest hit” of a benefi t!

Can a Dental Plan be this Exciting?

Heck No, but with benefi ts this fl exible . . .it’s as exciting as a dental plan can get!

The choice you want at a price you can afford.That’s Duet dual choice!

Want Choice? Get Duet!

DIRECTCOMPENSATION PERFORMANCE PPO

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The Simple Choice

“I’ve got two cars in the garage. My kids? Twins. Now I fi nally have a choice of dental plans - I can relate to that.”

Employees decide which plan works best for them - either way they have the advantage based on their own personal requirements. Direct Compensation works best for employees who value a dental plan with:

• Defi ned copayments for each procedure. Employees know exactly how much they are paying for required services.

• No deductibles, annual maximums, waiting periods, or balance billing. • Dentist selection at the time of enrollment. Employees choose from our

large and stable network of quality dentists.

Performance PPO is a better choice for those who prefer: • Unlimited choice of a much larger network of participating dentists, or

any dentist Out-of-Network. • Flexibility of selecting a dentist at the time of service, with no referrals

necessary for specialty care. • Freedom of moving In- and Out-of-Network.

You no longer have to choose between the cost savings of managed care and the greater access of a PPO - with Duet, you get both.

• Duet can save cost and allow you to offer a dental choice to your employees. You pay for DHMO, and let employees “buy up” to PPO.

• Duet saves administrative hassle by providing a single bill for all your dental enrollees.

What kids think about Duet: “Great...now I have to go to the dentist.”

For Employees

For Employers

Direct Compensation ~ Duet Standard Benefit ~ Performance PPOcreate a DUET plan by combining one of our popular DC plans with a Hi or Lo option Performance PPO plan.

DIRECT COMPENSATIONSAMPLE OF COVERED PROCEDURES

TYPE I Basic Services Member Copayment

ADA# Description Lo/Maxima

Hi/ Ventura

D0120 Periodic oral examination $0 $0D0150 Comprehensive oral exam $0 $0D0210 Full mouth x-rays $0 $0D0330 Panorex fi lm $0 $0D1110 Prophylaxis, adult $0 $0D9110 Palliative Treatment $12 $12

TYPE II Simple RestorativeD2140 Amalgam 1 surface permanent $12 $12D2150 Amalgam 2 surface permanent $15 $15D2330 Resin 1 surface anterior $16 $16D2335 Resin 4 surface anterior $26 $26D3330 Root canal, molar $210 $161D7210 Surgical Extraction $38 $22

Type III Major ServicesD2750 Crown-porcelain/high noble mtl $252 $195D4260 Osseous surgery $252 $150D4341 Scaling and root planing $60 $23D5110 Complete upper denture $340 $247D5211 Upper partial, resin base $205 $168D6211 Ful metal pontic $197 $156

DIRECT COMPENSATIONPERFORMANCE PPO

In-Network Out-of-Network

Network: Large, stable network of over 150 dentists More than 300 Dentists in Nevada Unlimited

Dentist Selection: Select a dentist at time of enrollment

Member can visit any network dentist; no prior selection necessary Member can visit any dentist

Benefi t Structure: Defi ned copayment for each covered procedure Coinsurance by procedure type Coinsurance by procedure type

Deductible: None $50/individual / $150 family maximum deductibleAnnual Maximum: Unlimited $1500

Orthodontics: Not covered under standard plan option Not covered under standard benefi t

Waiting Period: None 12 months for Type III (major services, including crowns, bridges, & dentures) - may be waived for prior similar coverage

Firstchoose either the Maxima or Ventura DirectCompensation plan and then...

You’ve now created your DUET benefi t - it’s that simple.

To build a more customized plan, just turn the page. F

¡ Maxima/Lo ¡ Ventura/Hi

Direct Compensation ~ Duet Standard Benefit ~ Performance PPOcreate a DUET plan by combining one of our popular DC plans with a Hi or Lo option Performance PPO plan.

DIRECT COMPENSATIONPERFORMANCE PPO

In-Network Out-of-Network

Network: Large, stable network of over 150 dentists More than 300 Dentists in Nevada Unlimited

Dentist Selection: Select a dentist at time of enrollment

Member can visit any network dentist; no prior selection necessary Member can visit any dentist

Benefit Structure: Defined copayment for each covered procedure Coinsurance by procedure type Coinsurance by procedure type

Deductible: None $50/individual / $150 family maximum deductibleAnnual Maximum: Unlimited $1500

Orthodontics: Not covered under standard plan option Not covered under standard benefit

Waiting Period: None 12 months for Type III (major services, including crowns, bridges, & dentures) - may be waived for prior similar coverage

PERFORMANCE PPOLo Option

Benefit Level InNetwork

Out of Network

Type I: Basic Services 100% 80%

Type II: Simple Restorative

80% 60%

Type II: Major Services 50% 40%

Hi OptionIn

NetworkOut of

NetworkType I: Basic Services 100% 90%

Type II: Simple Restorative

90% 70%

Type II: Major Services 60% 50%

Addeither the Lo or Hi Option

Performance PPO plan.

You’ve now created your DUET benefit - it’s that simple.

To build a more customized plan, just turn the page. F

¡ Lo ¡ Hi

Build a Plan that WorksMinimum Lives 30Participation Requirements Percent of Eligible EmployeesVoluntary 15% Contributory 50% Non-Contributory 75% Minimum % of group required per plan 20% (Minimum 10 Lives)Plan Options Direct Compensation Performance PPO

Choose any DC Plan Flexible Plan Variables

Benefit

Direct Compensation:Select any one of the plans listed at right and indicate whether or not orthodontics should be included in the quote.

Performance PPO:Select the Coinsurance level for each Type and enter it in the box provided. Indicate Periodontics and Endodontics as either Type II or Type III and whether or not orthodontics should be included in the quote.

¡ Maxima¡ Ventura¡ Sonoma*¡ Regency*¡ Napa*¡ Imperial*

Fixed copayment schedules according to plan

Type ICoinsurance Levels (%)100, 90, 80

In-Network Out-of-Network

____% ____%Type IICoinsurance Levels (%)100, 90, 80, 70, 60, 50

In-Network Out-of-Network

____% ____%Type IIICoinsurance Levels (%)80, 70, 60, 50, 40

In-Network Out-of-Network

____% ____%Periodontics and Endodontics: select either Type II or III ____Type II ____Type IIIOrthodontics: Optional riders available ____ Yes ____ NoIndividual Calendar Year Deductible None $0, $25, $50, $75, $100Family Calendar Year Deductible None 1 to 4x

Annual Maximum Unlimited $500, $750, $1,000, $1,250, $1,500, $2,000

PricingPrior Similar Coverage Credit AppliesRate Guarantees 12 months standard; 24 months available*Cost $ $$$

*For groups with a minimum of 100 lives, subject to underwriting approval.

Overheard at a dentist’s office: “Now remember, Ms. Jones: brush, floss....and get Duet.”

Experience

NPD is a subsidiary of Pacifi cDental Benefi ts, Inc (PDBI). Since 1987, Nevada Pacifi c Dental has provided managed care dental benefi ts - Traditional DHMO and Direct Compensation, our exclusive, non-capitated EPO-style plan. NPD’s product line has expanded to include insured plans, and now offers a complete portfolio of dental products including Indemnity and our Performance PPO.PDBI is rapidly becoming the leader as a dental benefi ts organization because of our experience and understanding of the dental benefi ts marketplace, providing creative solutions to our clients’ dental benefi t requirements.

We are proud of the quality service we provide to our members and dentists. NPD offers a rich product line giving groups a full range of dental benefi t choices to meet any budget. Performance-based provider compensation encourages appropriate care. Our talented staff of dental benefi ts professionals is eager to serve your needs.

It’s no wonder that 98% of our customers choose to stay with us.

Stand Alone benefi ts will never sound quite as good,once you’ve heard Duet!

Common Myths: One size fi ts all Vanilla is the only fl avor of ice cream Choosing just one dental plan is painless

DIRECTCOMPENSATION PERFORMANCE PPO

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1432 South Jones Blvd., Las Vegas, NV 89146800-926-0925

702-737-8900 • 702-259-8381 faxwww.pdbi.com • www.natlpacifi cdental.com

PPO administered and managed by NPD;underwritten by a licensed insurance company partner

NPD�

NPD-1801-0404