INDEX

How to Enroll* 2

Which Dental Plan is Right for You?* 3

Dental PPO Plan (Ameritas)* 4 - 5

Dental HMO Plan (Cigna $0 Co-Pay)* 6

Dental HMO Patient Charge Schedule 7 - 17

HMO Dentist Directory for San Diego Area 18 - 23

Personal Accident & Secure Travel 24

Vision with Examination 25

Vision without Examination 26

Legal Shield 27 - 28

Car & Home Insurance 29

PPO Pet Insurance 30

HMO Pet Care 31 - 32

Term Life Insurance 33

Travel Guard (Trip Cancellation / Delay) 34

Emergency Assistance Plus (Annual Travel Policy) 35

Amplifon Hearing Health Care 36

*The Open Enrollment period for dental is strictly enforced.

The Open Enrollment period ended on November 30, 2017 for 2018 coverage, and it

will open again in the fall of 2018 for coverage beginning January 1, 2019. Enrollment

outside the Open Enrollment period may only be done with a Qualifying Event

(involuntary loss of other coverage). Pacific Group Agencies must receive your

enrollment form no later than 60 days after this qualifying event. Monthly premiums

are deducted from your retirement check.

Contact Pacific Group Agencies at (800) 511-9065 for more information.

1

How to Enroll in…

Dental The Open Enrollment period for dental is strictly enforced. The Open Enrollment period ended

on November 30, 2017 for 2018 coverage, and it will open again in the fall of 2018 for coverage beginning January 1, 2019. Enrollment outside the Open Enrollment period may only be done with a

Qualifying Event (involuntary loss of other coverage). Pacific Group Agencies must receive your enrollment form no later than 60 days after this qualifying event. Monthly premiums are deducted

from your retirement check. Contact Pacific Group Agencies at (800) 511-9065 for more information.

Vision, Legal Shield, Personal Accident Contact Pacific Group Agencies at (800) 511-9065 for the enrollment form. Monthly premiums are

deducted from your checking/savings account.

VPI “PPO” Pet Insurance You can enroll your pets by visiting: www.petinsurance.com/resdc or by calling VPI at

(877) 738-7874. If calling, you must mention that you are a RESDC member to get the exclusive discounted RESDC rates. Monthly premiums are paid directly to VPI or can be auto deducted from

your checking/savings account.

United Pet Care “HMO” Pet Coverage You can enroll your pets by calling UPC at (888) 781-6622 or by visiting:

www.unitedpetcare.com/resdc. If you call, you must mention that you are a RESDC member to get the exclusive discounted RESDC rates. Monthly premiums are paid directly to UPC or can be

auto deducted from your checking/savings account.

Liberty Mutual Car & Home Insurance You can enroll by visiting www.libertymutual.com/resdc or call the RESDC Dedicated Agent, Cynthia Michel at (866) 520-6782, x58245. You must mention Group 119501 in order to get the

special RESDC discounted rates.

Comprehensive Travel Insurance This plan is purchased on per trip basis. You can enroll on the Travel Guard website by clicking on this link. If you need assistance, please call Pacific Group Agencies at (800) 511-9065. The per trip

premium payment is made by credit card.

Life Insurance Call Pacific Group Agencies at (800) 511-9065. You will be asked to provide information, and then

the office will contact you with a quote.

Amplifon Hearing Health Care Benefit This is a 100% FREE benefit to RESDC members and there is no need to enroll. Just call Amplifon Hearing Health Care at (877) 846-7075 and let them know you’re a RESDC member and they will

explain the process.

If you should have any questions, please contact the Plans Administrator, Pacific Group Agencies, at (800) 511-9065 or RESDC@pgagencies.com

2

Which Dental Plan is Right for You? Americans Spend Over $100 Billion Annually on Dental Care.

Regular dental check-ups are a necessary part of maintaining your overall health. Dental issues can affect areas other than your mouth. Research has shown a direct connection between oral health and other health issues such as heart attacks and strokes. Routine dental exams can provide early detection of serious problems that you may be unable to see or feel.

Despite the significant health benefits of routine dental care, almost 40% of seniors fail to visit a dentist at least once during the year. The #1 reason is cost. Americans spend over $100 billion on dental care each year. Dental insurance helps with the costs associated with making sure you stay healthy.

You have two distinct types of dental plans to choose from: Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO). Both plan types are comprehensive and cover procedures ranging from the routine cleaning, up to crowns, dentures, and implants. As with all dental insurance, work in progress and replacing missing teeth are not covered by these plans. The main difference is in how they work:

PPO Plans You may visit any dentist. The dentist does not need to belong to the insurance company network for you to receive benefits. However, if the dentist is part of the network, you may receive significant additional cost savings.

Network Dentists have contracted with the insurance company and have agreed to provide members significant discounts off covered procedures, typically 25% - 40% off their regular rates.

Non-Network Dentists have no affiliation with the insurance company. Your insurance will still cover your treatment, but the dentist will not provide you with any discounts. Therefore, your out-of-pocket costs are likely to be significantly higher than if you used a Network Dentist.

You are not locked into any particular dentist. You may use any dentist anywhere in the United States and you do not have to inform the insurance company of your dentist choice.

HMO Plans HMO plans have a network of highly qualified dentists that are pre-screened and thoroughly evaluated prior to their acceptance in the network. Your must use one of these dentists. You cannot use a dentist unless they belong to the network.

With HMO plans, there are no cost surprises. Every covered procedure has a set co-pay, so you know exactly how much everything will cost before having work done.

There are no set annual benefit maximums. Whether you only require a routine cleaning or you need multiple crowns and an implant, you will never run up against a calendar maximum dollar benefit like PPO plans have.

All services are available from your first day of coverage. There is no waiting period for any covered service. Whether it’s just a cleaning or an implant, all covered services are available beginning your first day covered by the plan.

You may switch dentists as often as you like, just by calling the insurance company. 3

Dental PPO - Ameritas Freedom to Use Any Dentist - No Network Restrictions

This Ameritas PPO dental plan is a comprehensive, full service plan that covers over 360 procedures, from the routine preventative care to the major including crowns, dentures, and implants. Whether you need routine care or something more extensive, this plan will have you covered.

Every covered member and dependent each has a robust $2,500 in-network calendar year benefit. Coverage is available for the Association member individually, or they may also insure their spouse/domestic partner, and their dependent children up to age 26. Coverage is available to children age 26 and older if they are permanently disabled and the member lists them as a dependent on their tax return. Grandchildren are only eligible if you have full legal custody, not temporary guardianship.

This plan offers a unique Dental Rewards® benefit which provides members additional “banked funds” to use for covered procedures. Any member or dependent who use less than $750 of their annual benefit will automatically have additional funds deposited toward their calendar year maximum in future years.

As an added benefit, members who visit the dentist at least once during the year will have their Basic Services Network benefit level increased by 5% the following year - up to 90% maximum.

Ameritas has the largest dental network nationwide. There are over 325,000 providers to help ensure that you have access to quality dental care at deeply discounted prices. Ameritas has a well earned reputation of having some of the best Network Provider discounts in the industry. Additionally, many Ameritas providers have agreed to extend deep discounts on non-covered procedures, such as cosmetic procedures like teeth whitening.

Search for Network providers in your area at: www.AmeritasGroup.com

This chart illustrates the significant estimated savings you could realize by using an In-Network dentist.

*Potential savings based on a sample CA zip code using multiple factors including the Ameritas contracted rate, median cost for non-network procedures provided by an insurance carrier, and prices posted online. Your specific procedure may fall under a different ADA code.

Procedure Network Cost

Non-Network Cost

Potential Savings*

Periodic Oral Evaluation $33 $55 40% Bitewings $31 $49 37% Prophylaxis (Cleaning) $67 $98 31% Amalgam Filling $84 $141 40% Resin Filling $103 $169 39% Crown - Porcelain Fused to High Noble $686 $1049 35% Endodontic Therapy - Molar $705 $1124 37% Periodontal Scaling & Root Planing $145 $277 41% Pontic - Porcelain Fused to High Noble $623 $1148 39% Crown (Fixed Bridge) - Porcelain Fused to Noble $652 $1050 32% Extraction, Erupted Tooth or Exposed Root $96 $190 44%

4

*Benefit levels are based on the average rate a dentist in your zip code would charge for that procedure.

This is an Administrative Fee charged by SDCERA and it is only charged if you receive

reimbursement for a dental plan under the SDCERA Health Insurance Reimbursement program.

Description Ameritas Network

Dentist Non-Network

Dentist*

CALENDAR YEAR BENEFIT This benefit can increase every year with the Dental Rewards® program listed below.

$2,500 $1,500 DENTAL REWARDS®

Banked benefits for your future use for normally covered services.

$400 Extra Per Year up to $1,000

$250 Extra Per Year up to $1,000

PREVENTATIVE SERVICES Cleanings (3 per year), Routine & Comprehensive Oral Evaluations, Bitewing X-Rays, & Fluoride.

100% 80%

BASIC SERVICES Composite / Resin & Amalgam Fillings, Simple Extractions, Periodontal Maintenance, Panoramic X-Rays, Stainless Crowns, Denture Repair, Denture Reline, Recement, Desensitizing Resin, Sealants, Biopsy, Laboratory Accession, & Palliative (Emergency) Pain Relief.

1st Year: 80% 2nd Year: 85% 3rd Year: 90%

80%

MAJOR SERVICES Crowns (Porcelain & Composite/Resin), Implants, Periodontics, Endodontics, Root Canals, Bridges, Dentures, Complex Extractions, Anesthesia, Bone Augmentation, Inlay Restorations, Onlay Restorations, Crown Repair, Bridge Repair, & Space Maintainers.

50% 50%

Deductible Once per calendar year

$50 / Person Waived for Preventative

$75 / Person

Ameritas PPO Monthly Rates SDCERA Admin Fee

Retiree Only $48.30 + $5.16

Retiree + Spouse / Domestic Partner or Child $96.60 + $10.32

Retiree + Family $118.95 + $15.48

5

Cigna $0 Co-Pay Dental HMO Available Nationwide!

The Cigna $0 Co-Pay plan is a comprehensive plan that covers over 380 procedures, including major services like crowns, dentures, and implant supported prosthetics, all with $0 member co-pay. No co-pay for any of the 380+ covered procedures!

This $0 co-pay plan is the highest benefit HMO plan available to RESDC members. Whether you need routine care or something more extensive like a crown, this plan will have you covered at $0 co-pay. With a $0 co-pay for every covered procedure, you’ll never have a surprise at the cost of dental work. You’ll know up front exactly what everything will cost - $0. Additionally, many Cigna providers will extend deep discounts on non-covered procedures.

There are no set calendar year benefit dollar maximums you need to worry about. You will never run up against a calendar maximum dollar benefit like PPO plans have. Whether you only need routine cleanings or you need several crowns, including implant supported crowns, the coverage will be there for you.

There is no waiting period for any covered service. Whether it’s just a routine exam and cleaning or an implant supported crown, all covered services are available beginning your first day covered by the plan.

The Cigna nationwide dental network is comprised of highly qualified dentists that are pre-screened and thoroughly evaluated prior to their acceptance. Selecting a dentist who meets your needs and expectations is a decision that is too important to make without careful consideration and Cigna has prescreened all their network dentists for you.

A list of County and surrounding areas providers are on the following pages. If you live outside these areas, you can search for providers in your area at:

http://cigna.benefitnation.net/cigna/docdir.aspx

Coverage is available for the Association member individually, or they may also insure their spouse/domestic partner, and their dependent children up to age 26. Coverage is also available to children age 26 and older if they are permanently disabled and the member lists them as a dependent on their tax return. Grandchildren are only eligible if you have full legal custody, not temporary guardianship.

$0 Co-Pay Dental HMO Monthly Premium SDCERA Admin Fee

Retiree Only $35.36 + $5.16

Retiree + Spouse / Domestic Partner or Child $67.18 + $10.32

Retiree + Family $93.73 + $15.48

This is an Administrative Fee charged by SDCERA and it is only charged if you receive reimbursement for a dental plan under the SDCERA Health Insurance Reimbursement program.

6

$0 Co-Pay HMO Patient Charge Schedule Diagnostic/Preventive ADA*

Code Member Co-Pay

Consultation D9310 $0 Office visit for observation D9430 $0 Case presentation D9450 $0 Periodic oral evaluation - Established patient D0120 $0 Limited oral evaluation - Problem focused D0140 $0 Oral evaluation for a patient under 3 years of age D0145 $0 Comprehensive oral evaluation D0150 $0 Detailed oral evaluation in conjunction with TMJ evaluation D0160 $0 Reevaluation D0170 $0 Comprehensive periodontal evaluation D0180 $0 X-rays intraoral - Complete series (1 per 3 years) D0210 $0 X-rays intraoral - Periapical - First image D0220 $0 X-rays intraoral - Periapical - Each additional image D0230 $0 X-rays intraoral - Occlusal radiographic image D0240 $0 X-rays extraoral - First radiographic image D0250 $0 X-rays extraoral - Each additional radiographic image D0260 $0 X-rays (bitewing) - Single radiographic image D0270 $0 X-rays (bitewings) - 2 radiographic images D0272 $0 X-rays (bitewings) - 3 radiographic images D0273 $0 X-rays (bitewings) - 4 radiographic images D0274 $0 X-rays (bitewings, vertical) - 7 to 8 radiographic images D0277 $0 X-rays (panoramic radiographic image) D0330 $0 Cone beam CT capture and interpretation for TMJ D0368 $0 Oral/facial photographic images D0350 $0 Collection of microorganisms for culture and sensitivity D0415 $0 Caries susceptibility tests D0425 $0 Oral cancer screening using a special light source D0431 $0 Pulp vitality tests D0460 $0 Diagnostic casts D0470 $0 Pathology report - Gross examination of lesion D0472 $0 Pathology report - Microscopic examination of lesion D0473 $0 Pathology report - Microscopic examination of lesion and area D0474 $0 Laboratory accession of brush biopsy sample D0486 $0

7

Prophylaxis (cleaning) - Adult (limit 4 per calendar year) D1110 $0 Prophylaxis (cleaning) - Child (limit 4 per calendar year) D1120 $0 Topical application of fluoride varnish (limit 4 per calendar year). D1206 $0 Topical application of fluoride (limit 4 per calendar year). D1208 $0 Nutritional counseling for control of dental disease D1310 $0 Tobacco counseling for the control and prevention of oral disease D1320 $0 Oral hygiene instructions D1330 $0 Sealant - Per tooth D1351 $0 Preventive resin restoration D1352 $0 Space maintainer - Fixed - Unilateral D1510 $0 Space maintainer - Fixed - Bilateral D1515 $0 Space maintainer - Removable - Unilateral D1520 $0 Space maintainer - Removable - Bilateral D1525 $0 Recementation of space maintainer D1550 $0 Removal of fixed space maintainer D1555 $0

Restorative

Amalgam - 1 surface, primary or permanent D2140 $0 Amalgam - 2 surfaces, primary or permanent D2150 $0 Amalgam - 3 surfaces, primary or permanent D2160 $0 Amalgam - 4 or more surfaces, primary or permanent D2161 $0 Resin-based composite - 1 surface, anterior D2330 $0 Resin-based composite - 2 surfaces, anterior D2331 $0 Resin-based composite - 3 surfaces, anterior D2332 $0 Resin-based composite - 4 or more surfaces or incisal angle, anterior D2335 $0 Resin-based composite crown, anterior D2390 $0 Resin-based composite - 1 surface, posterior D2391 $0 Resin-based composite - 2 surfaces, posterior D2392 $0 Resin-based composite - 3 surfaces, posterior D2393 $0 Resin-based composite - 4 or more surfaces, posterior D2394 $0

Crowns and Bridges ADA Code

Member Co-Pay

Inlay - Metallic - 1 surface D2510 $0 Inlay - Metallic - 2 surfaces D2520 $0 Inlay - Metallic - 3 or more surfaces D2530 $0 Onlay - Metallic - 2 surfaces D2542 $0 Onlay - Metallic - 3 surfaces D2543 $0 Onlay - Metallic - 4 or more surfaces D2544 $0 Crown - Porcelain/ceramic substrate D2740 $0

8

Crown - Porcelain fused to high noble metal D2750 $0 Crown - Porcelain fused to predominantly base metal D2751 $0 Crown - Porcelain fused to noble metal D2752 $0 Crown - 3/4 cast high noble metal D2780 $0 Crown - 3/4 cast predominantly base metal D2781 $0 Crown - 3/4 cast noble metal D2782 $0 Crown - 3/4 porcelain/ceramic D2783 $0 Crown - Full cast high noble metal D2790 $0 Crown - Full cast predominantly base metal D2791 $0 Crown - Full cast noble metal D2792 $0 Crown - Titanium D2794 $0 Provisional crown D2799 $0 Inlay - Porcelain/ceramic, 1 surface D2610 $0 Inlay - Porcelain/ceramic, 2 surfaces D2620 $0 Inlay - Porcelain/ceramic, 3 or more surfaces D2630 $0 Onlay - Porcelain/ceramic, 2 surfaces D2642 $0 Onlay - Porcelain/ceramic, 3 surfaces D2643 $0 Onlay - Porcelain/ceramic, 4 or more surfaces D2644 $0 Inlay - Resin-based composite, 1 surface D2650 $0 Inlay - Resin-based composite, 2 surfaces D2651 $0 Inlay - Resin-based composite, 3 or more surfaces D2652 $0 Onlay - Resin-based composite, 2 surfaces D2662 $0 Onlay - Resin-based composite, 3 surfaces D2663 $0 Onlay - Resin-based composite, 4 or more surfaces D2664 $0 Crown - Resin-based composite, indirect D2710 $0 Crown - 3/4 resin-based composite, indirect D2712 $0 Crown - Resin with high noble metal D2720 $0 Crown - Resin with predominantly base metal D2721 $0 Crown - Resin with noble metal D2722 $0 Recement inlay - Onlay or partial coverage restoration D2910 $0 Recement cast or prefabricated post and core D2915 $0 Recement crown D2920 $0 Prefabricated porcelain/ceramic crown - Primary tooth D2929 $0 Prefabricated stainless steel crown - Primary tooth D2930 $0 Prefabricated stainless steel crown - Permanent tooth D2931 $0 Prefabricated resin crown D2932 $0 Prefabricated stainless steel crown with resin window D2933 $0 Prefabricated esthetic coated stainless steel crown D2934 $0

9

Protective Restoration D2940 $0 Core buildup - Including any pins D2950 $0 Pin retention - Per tooth - In addition to restoration D2951 $0 Post and core - In addition to crown, indirectly fabricated D2952 $0 Each additional indirectly prefabricated post - Same tooth D2953 $0 Prefabricated post and core - In addition to crown D2954 $0 Each additional prefabricated post - Same tooth D2957 $0 Labial veneer (resin laminate) - Chairside D2960 $0 Temporary crown (fractured tooth) D2970 $0 Pprocedures to construct new crown under existing partial denture D2971 $0 Crown repair, necessitated by restorative material failure D2980 $0 Pontic - Cast high noble metal D6210 $0 Pontic - Cast predominantly base metal D6211 $0 Pontic - Cast noble metal D6212 $0 Pontic - Titanium D6214 $0 Pontic - Porcelain fused to high noble metal D6240 $0 Pontic - Porcelain fused to predominantly base metal D6241 $0 Pontic - Porcelain fused to noble metal D6242 $0 Pontic - Porcelain/ceramic D6245 $0 Pontic - Resin with high noble metal D6250 $0 Pontic - Resin with predominantly base metal D6251 $0 Pontic - Resin with noble metal D6252 $0 Provisional pontic D6253 $0 Retainer - Cast metal for resin bonded fixed prosthesis D6545 $0 Inlay - Porcelain/ceramic, 2 surfaces D6600 $0 Inlay - Porcelain/ceramic, 3 or more surfaces D6601 $0 Inlay - Cast high noble metal, 2 surfaces D6602 $0 Inlay - Cast high noble metal, 3 or more surfaces D6603 $0 Inlay - Cast predominantly base metal, 2 surfaces D6604 $0 Inlay - Cast predominantly base metal, 3 or more surfaces D6605 $0 Inlay - Cast noble metal, 2 surfaces D6606 $0 Inlay - Cast noble metal, 3 or more surfaces D6607 $0 Onlay - Porcelain/ceramic, 2 surfaces D6608 $0 Onlay - Porcelain/ceramic, 3 or more surfaces D6609 $0 Onlay - Cast high noble metal, 2 surfaces D6610 $0 Onlay - Cast high noble metal, 3 or more surfaces D6611 $0 Onlay - Cast predominantly base metal, 2 surfaces D6612 $0

10

Onlay - Cast predominantly base metal, 3 or more surfaces D6613 $0 Onlay - Cast noble metal, 2 surfaces D6614 $0 Onlay - Cast noble metal, 3 or more surfaces D6615 $0 Inlay - Titanium D6624 $0 Onlay - Titanium D6634 $0 Crown - Indirect resin based composite D6710 $0 Crown - Resin with high noble metal D6720 $0 Crown - Resin with predominantly base metal D6721 $0 Crown - Resin with noble metal D6722 $0 Crown - Porcelain/ceramic D6740 $0 Crown - Porcelain fused to high noble metal D6750 $0 Crown - Porcelain fused to predominantly base metal D6751 $0 Crown - Porcelain fused to noble metal D6752 $0 Crown - 3/4 cast high noble metal D6780 $0 Crown - 3/4 cast predominantly base metal D6781 $0 Crown - 3/4 cast noble metal D6782 $0 Crown - 3/4 porcelain/ceramic D6783 $0 Crown - Full cast high noble metal D6790 $0 Crown - Full cast predominantly base metal D6791 $0 Crown - Full cast noble metal D6792 $0 Crown - Titanium D6794 $0 Recement fixed partial denture D6930 $0 Precision attachment D6950 $0 Max $150 charge per tooth for crowns, inlays, onlays, post &cores, and veneers if your dentist uses same day in-office CAD/CAM (ceramic) services using a digital impression and in-office CAD/CAM milling machine.

Endodontics (Root canal excluding final restoration)

ADA Code

Member Co-Pay

Pulp cap - Direct D3110 $0 Pulp cap - Indirect D3120 $0 Pulpotomy - Removal of pulp, not part of a root canal D3220 $0 Pulpal debridement D3221 $0 Partial pulpotomy for apexogenesis D3222 $0 Pulpal therapy (resorbable filling) - Anterior D3230 $0 Pulpal therapy (resorbable filling) - Posterior D3240 $0 Anterior root canal - Permanent tooth D3310 $0 Bicuspid root canal - Permanent tooth D3320 $0

11

Molar root canal - Permanent tooth D3330 $0 Treatment of root canal obstruction - Nonsurgical access D3331 $0 Incomplete endodontic therapy D3332 $0 Internal root repair of perforation defects D3333 $0 Retreatment of previous root canal therapy - Anterior D3346 $0 Retreatment of previous root canal therapy - Bicuspid D3347 $0 Retreatment of previous root canal therapy - Molar D3348 $0 Apexification/recalcification - Initial visit D3351 $0 Apexification/recalcification - Interim medication replacement D3352 $0 Apexification/recalcification - Final visit D3353 $0 Apicoectomy/periradicular surgery - Anterior D3410 $0

Apicoectomy/periradicular surgery - Bicuspid (first root) D3421 $0

Apicoectomy/periradicular surgery - Molar (first root) D3425 $0 Apicoectomy/periradicular surgery (each additional root) D3426 $0 Retrograde filling - Per root D3430 $0 Root amputation - Per root D3450 $0 Hemisection D3920 $0

Periodontics ADA Code

Member Co-Pay

Gingivectomy or gingivoplasty - 4 or more teeth per quadrant D4210 $0 Gingivectomy or gingivoplasty - 1 to 3 teeth per quadrant D4211 $0 Gingivectomy or gingivoplasty D4212 $0 Gingival flap (including root planing) - 4 or more teeth per quadrant D4240 $0 Gingival flap (including root planing) - 1 to 3 teeth per quadrant D4241 $0 Apically positioned flap D4245 $0 Clinical crown lengthening - Hard tissue D4249 $0 Osseous surgery - 4 or more teeth per quadrant D4260 $0 Osseous surgery - 1 to 3 teeth per quadrant D4261 $0 Bone replacement graft - First site in quadrant D4263 $0 Bone replacement graft - Each additional site in quadrant D4264 $0 Biologic materials to aid in soft and osseous tissue regeneration D4265 $0 Guided tissue regeneration - Resorbable barrier per site D4266 $0 Guided tissue regeneration - Nonresorbable barrier per site D4267 $0 Pedicle soft tissue graft procedure D4270 $0 Subepithelial connective tissue graft procedures, per tooth D4273 $0 Distal or proximal wedge procedure D4274 $0

12

Soft tissue allograft D4275 $0 Free soft tissue graft procedure D4277 $0 Free soft tissue graft procedure D4278 $0 Periodontal scaling and root planing - 4 or more teeth per quadrant D4341 $0 Periodontal scaling and root planing - 1 to 3 teeth per quadrant D4342 $0 Full mouth debridement to allow evaluation and diagnosis D4355 $0 Localized delivery of antimicrobial agents per tooth D4381 $0 Periodontal maintenance D4910 $0

Localized delivery of antimicrobial agents is limited to 8 teeth (or 8 sites, if applicable) per 12 consecutive months, when covered on the patient charge schedule.

Prosthetics (Removable Dentures)

ADA Code

Member Co-Pay

Full upper denture D5110 $0 Full lower denture D5120 $0 Immediate full upper denture D5130 $0 Immediate full lower denture D5140 $0 Upper partial denture - Resin base D5211 $0 Lower partial denture - Resin base D5212 $0 Upper partial denture - Cast metal framework D5213 $0 Lower partial denture - Cast metal framework D5214 $0 Upper partial denture - Flexible base D5225 $0 Lower partial denture - Flexible base D5226 $0 Removable unilateral partial denture D5281 $0 Adjust complete denture - Upper D5410 $0 Adjust complete denture - Lower D5411 $0 Adjust partial denture - Upper D5421 $0 Adjust partial denture - Lower D5422 $0 Tissue conditioning - Upper D5850 $0 Tissue conditioning - Lower D5851 $0 Precision attachment - By report D5862 $0

Prosthetics Repairs ADA Code

Member Co-Pay

Repair broken complete denture base D5510 $0 Replace missing or broken teeth - Complete denture D5520 $0 Repair resin denture base D5610 $0 Repair cast framework D5620 $0 Repair or replace broken clasp D5630 $0

13

Replace broken teeth - Per tooth D5640 $0 Add tooth to existing partial denture D5650 $0 Add clasp to existing partial denture D5660 $0 Replace all teeth and acrylic on cast metal framework - Upper D5670 $0 Replace all teeth and acrylic on cast metal framework - Lower D5671 $0

Denture Relining (1 per 36 months)

ADA Code

Member Co-Pay

Rebase complete upper denture D5710 $0 Rebase complete lower denture D5711 $0 Rebase upper partial denture D5720 $0 Rebase lower partial denture D5721 $0 Reline complete upper denture - Chairside D5730 $0 Reline complete lower denture - Chairside D5731 $0 Reline upper partial denture - Chairside D5740 $0 Reline lower partial denture - Chairside D5741 $0 Reline complete upper denture - Laboratory D5750 $0 Reline complete lower denture - Laboratory D5751 $0 Reline upper partial denture - Laboratory D5760 $0 Reline lower partial denture - Laboratory D5761 $0

Interim Dentures ADA Code

Member Co-Pay

Interim complete denture - Upper D5810 $0 Interim complete denture - Lower D5811 $0 Interim partial denture - Upper D5820 $0 Interim partial denture - Lower D5821 $0

Implant/Abutment Supported Prosthetics ADA Code

Member Co-Pay

Implant/abutment supported removable denture for completely edentulous arch D6053 $0 Implant/abutment supported removable denture for partially edentulous arch D6054 $0 Abutment supported porcelain/ceramic crown D6058 $0 Abutment supported porcelain fused to metal crown D6059 $0 Abutment supported porcelain fused to predominantly base metal crown D6060 $0 Abutment supported porcelain fused to noble metal crown D6061 $0 Abutment supported cast high noble metal crown D6062 $0 Abutment supported cast predominantly base metal crown D6063 $0 Abutment supported cast noble metal crown D6064 $0

14

Implant supported porcelain/ceramic crown D6065 $0 Implant supported porcelain fused to titanium, titanium alloy, high noble crown D6066 $0 Implant supported titanium, titanium alloy, high noble metal crown D6067 $0 Abutment supported retainer for porcelain/ceramic fixed partial denture D6068 $0 Abutment supported retainer for porcelain fused to high noble fixed partial denture D6069 $0 Abutment supported retainer for porcelain, to predominantly base fixed partial D6070 $0 Abutment supported retainer for porcelain fused to noble metal fixed partial denture D6071 $0 Abutment supported retainer for cast high noble metal fixed partial denture D6072 $0 Abutment supported retainer for cast predominantly base metal fixed partial denture D6073 $0 Abutment supported retainer for cast noble metal fixed partial denture D6074 $0 Implant supported retainer for ceramic fixed partial denture D6075 $0 Implant supported retainer for porcelain to titanium/alloy, high noble fixed partial D6076 $0 Implant supported retainer for cast titanium/alloy, high noble fixed partial denture D6077 $0 Implant/abutment supported fixed denture for completely edentulous arch D6078 $0 Implant/abutment supported fixed denture for partially edentulous arch D6079 $0 Recement implant/abutment supported crown D6092 $0 Recement implant/abutment supported fixed partial denture D6093 $0 Abutment supported crown (titanium) D6094 $0 Abutment supported retainer crown for fixed partial denture (titanium) D6194 $0 Max $150 charge per tooth for crowns, inlays, onlays, post &cores, and veneers if your dentist uses same day in-office CAD/CAM (ceramic) services using a digital impression and in-office CAD/CAM milling machine.

Oral Surgery ADA Code

Member Co-Pay

Extraction of coronal remnants - Deciduous tooth D7111 $0 Extraction, erupted tooth or exposed root - Elevation and/or forceps removal D7140 $0 Surgical removal of erupted tooth - Removal of bone and/or section of tooth D7210 $0 Removal of impacted tooth - Soft tissue D7220 $0 Removal of impacted tooth - Partially bony D7230 $0 Removal of impacted tooth - Completely bony D7240 $0 Removal of impacted tooth - Completely bony, complications D7241 $0 Surgical removal of residual tooth roots - Cutting procedure D7250 $0 Coronectomy - Intentional partial tooth removal D7251 $0 Oroantral fistula closure D7260 $0 Primary closure of a sinus perforation D7261 $0 Tooth stabilization of accidentally evulsed or displaced tooth D7270 $0 Surgical access of an unerupted tooth (excluding wisdom teeth) D7280 $0

15

Placement of device to facilitate eruption of impacted tooth D7283 $0 Biopsy of oral tissue - Hard (bone, tooth) D7285 $0 Biopsy of oral tissue - Soft (all others) D7286 $0 Exfoliative cytological sample collection D7287 $0 Brush biopsy - Transepithelial sample collection D7288 $0 Alveoloplasty in conjunction with extractions - 4 or more teeth per quadrant D7310 $0 Alveoloplasty in conjunction with extractions - 1 to 3 teeth per quadrant D7311 $0 Alveoloplasty not in conjunction with extractions - 4 or more teeth per quadrant D7320 $0 Alveoloplasty not in conjunction with extractions - 1 to 3 teeth per quadrant D7321 $0 Removal of benign odontogenic cyst or tumor - Up to 1.25 cm D7450 $0 Removal of benign odontogenic cyst or tumor - Greater than 1.25 cm D7451 $0 Removal of lateral exostosis - Maxilla or mandible D7471 $0 Removal of torus palatinus D7472 $0 Removal of torus mandibularis D7473 $0 Surgical reduction of osseous tuberosity D7485 $0 Incision and drainage of abscess - Intraoral soft tissue D7510 $0 Incision and drainage of abscess - Intraoral soft tissue - Complicated D7511 $0 Incision and drainage of abscess - Extraoral soft tissue D7520 $0 Incision and drainage of abscess - Extraoral soft tissue - Complicated D7521 $0 Occlusal orthotic device, in conjunction with Temporomandibular Joint treatment D7880 $0 Suture of recent small wounds up to 5 cm D7910 $0 Frenulectomy - Also known as frenectomy or frenotomy D7960 $0 Frenuloplasty D7963 $0

Orthodontics Maximum benefit of 24 months treatment. Atypical cases beyond 24 months require

an additional payment by the patient.

ADA Code

Member Co-Pay

Interceptive orthodontic treatment of the primary dentition D8050 $0 Interceptive orthodontic treatment of the transitional dentition D8060 $0 Comprehensive orthodontic treatment of the transitional dentition D8070 $0 Comprehensive orthodontic treatment of the adolescent dentition D8080 $0 Comprehensive orthodontic treatment of the adult dentition D8090 $0 Removable appliance therapy D8210 $0 Fixed appliance therapy D8220 $0 Pre-orthodontic treatment visit D8660 $0 Periodic orthodontic treatment visit - As part of contract D8670 $0

16

Orthodontic retention D8680 $0 Rebonding or recementing or repair of fixed retainers D8693 $0 Unspecified orthodontic procedure - By report D8999 $0

General Anesthesia/IV Sedation ADA Code

Member Co-Pay

Regional block anesthesia D9211 $0 Trigeminal division block anesthesia D9212 $0 Local anesthesia D9215 $0 General anesthesia - First 30 minutes D9220 $0 General anesthesia - Each additional 15 minutes D9221 $0 IV conscious sedation - First 30 minutes D9241 $0 IV conscious sedation - Each additional 15 minutes D9242 $0 Therapeutic parenteral drug, single administration D9610 $0 Therapeutic parenteral drugs, 2 or more administrations, different medications D9612 $0 Other drugs and/or medicaments - By report D9630 $0 Application of desensitizing medicament D9910 $0

Emergency Services ADA Code

Member Co-Pay

Palliative (emergency) treatment of dental pain - Minor procedure D9110 $0 Fixed partial denture sectioning D9120 $0 Office visit - After regularly scheduled hours D9440 $0

Miscellaneous Services ADA Code

Member Co-Pay

Occlusal guard - By report (limit 1 per 24 months) D9940 $0 Fabrication of athletic mouthguard (limit 1 per 12 months) D9941 $0 Repair and/or reline of occlusal guard D9942 $0 Occlusal adjustment - Limited. D9951 $0 Occlusal adjustment - Complete D9952 $0 External bleaching for home application, per arch. D9975 $0 *Note: ADA Code refers to the American Dental Association's Current Dental Terminology. Procedure wording has been condensed due to space limitations and modified into “plain English” for simplified understanding. No wording here changes the actual benefits defined in the Patient Charge Schedule or Certificate of Insurance. Consult with your dentist to confirm which ADA code your procedure falls under.

It is highly recommended that you request a Predetermination of Benefits prior to starting any work. This is a notification to the patient and the dental office as to whether the planned procedures are covered by the insurance, what the member co-pays will be, and whether the planned procedures fall within the benefit maximums and procedure limitations.

Certain exclusions and limitations may apply to services. Certain dental work may require multiple procedures with a co-pay for each procedure, or additional cost for precious metals, or exclude the cost of final restoration. Please consult with your dentist prior to beginning any work for clarification of costs.

17

RESDC Cigna $0 Co-Pay Dental HMO Directory

This directory covers San Diego and the surrounding areas and is for the RESDC Cigna $0 Co-Pay HMO dental plan. You only need to select a dentist from this list if you are enrolling in the RESDC Cigna $0 Co-Pay HMO dental plan. If you are enrolling in the Ameritas PPO plan, you do not need to select a dentist from this list.

When enrolling in the RESDC Cigna $0 Co-Pay HMO dental plan, you must select a dental facility at time of enrollment. However, you are not locked into any dental facility. You may change dentists at any time by calling Cigna and selecting a new dental office.

For a list of dentists outside San Diego and the surrounding areas, please visit: http://cigna.benefitnation.net/cigna/docdir.aspx

Anaheim Brite Dental Facility ID #249089 1221 N Harbor Blvd (714) 224-5255

Carlsbad Carlsbad Dental Facility ID #204434 5814 Van Allen Way, #220 (760) 918-9000

Carlsbad Village Faire Facility ID #614029 300 Carlsbad Village Dr, #203 (760) 487-0203

Elevated Smiles Facility ID #584863 7720 Rancho Santa Fe Rd, #225 (760) 622-3010

Gateway Dental Facility ID #482687 2635 Gateway Rd, #101 (760) 431-8112

Gentle Dental Facility ID #162169 2620 S El Camino Real, #A (760) 720-0966

Hollander Dental Facility ID #100920 1273 Las Flores Dr (760) 434-2526

La Costa Dentistry Facility ID #569516 7625 Via Campanile, Unit 130 (760) 633-1653

Plaza Family Dental Facility ID #214382 2630 El Camino Real (760) 434-1761 Polished General Dentistry Facility ID #289627 3144 El Camino Real, #103 (760) 434-9800

Chula Vista A.D. Dental Facility ID #247845 290 Landis Ave, #A (619) 691-0121 Bonita Smiles Dentistry Facility ID #400011 1558 East H St, #B (619) 421-9070 Canyon Vista Dental Facility ID #511149 700 Otay Lakes Rd (619) 421-8474 Chula Vista Dental Facility ID #217714 265 F St (619) 420-9090 Chula Vista Dental Care Facility ID #281076 1177 Broadway, #19 (619) 409-1400 Dental Check-Up Facility ID #229155 1010 Broadway, #5 (619) 422-0800

Gentle Dental Facility ID #629945 345 F St, #140 (619) 476-1001 Great Dental Facility ID #511071 1310 Third Ave #A1 (619) 420-2600 Luu & Nguyen Dental Facility ID #630660 314 Palomar St (619) 498-3888 Carmen Denise Maroon-Lopez Facility ID #430735 2648 Main St, #A (619) 423-5200 Smile San Diego Facility ID #438435 585 Telegraph Canyon Rd (619) 421-7010 Smilecare Facility ID #214023 510 Broadway, #4-5 (619) 476-9400 Twin Oaks Family Dentistry Facility ID #139882 230 F St, #D (619) 427-5262 Village Dental Facility ID #465455 878 Eastlake Pkwy, #1511 (619) 739-4936 18

Western Dental Facility ID #193606 1101 Broadway (619) 422-8891

Del Mar Del Mar Professional Dental Facility ID #101096 13983 Mango Dr #105, #106 (858) 792-6662

El Cajon Bright Now! Facility ID #465252 2502 Jamacha Rd (619) 212-7959 Dental Arts Facility ID #221289 707 Arnele Ave (619) 444-1001 East County Dental Facility ID #247843 337 West Madison Avenue (619) 444-3127 East County Family Dental Facility ID #200954 13465 Camino Canada, #110A (619) 390-3669 Fletcher Parkway Family Dental Facility ID #525887 2295 Fletcher Pkwy, #101 (619) 644-3307 Horizon Dental Facility ID #415259 742 Broadway (619) 440-0071 Dr Korel Family Dentistry Facility ID #190773 1265 Avocado Ave #102 (619) 444-3393 James Loye Facility ID #572312 767 Jamacha Rd (619) 401-3214

RSD Dental Facility ID #465460 2907 Jamacha Rd, #B (619) 660-2424 Smilecare Facility ID #213870 1242 E Main St (619) 444-6355 Smilecare Facility ID #216308 2990 Jamacha Rd, #132 (619) 670-1700 Western Dental Facility ID #189652 583 N 2Nd St (619) 440-6222

Encinitas Camino Dental Facility ID #285099 1340 Encinitas Blvd, #100 (760) 942-3900 Carlos Chong Facility ID #161064 142 Encinitas Blvd (760) 634-7980 Encinitas Dental Facility ID #570128 257 N El Camino Real, #B (760) 944-7600 Encinitas Dental Wellness Facility ID #526128 285 N El Camino Real, #216 (760) 753-1227 Encinitas Smiles Facility ID #610270 415 Santa Fe Dr (760) 388-2161 NCH Dental Facility ID #252719 477 N El Camino Real, #C210 (760) 943-8880

Escondido Acacia Dental Facility ID #243724 639 S Escondido Blvd (760) 489-6197 Irene Bozir Facility ID #527908 230 E 5Th Ave (760) 738-9595 Bright Now! Facility ID #458445 1286 Auto Parkway, #B (760) 705-9464 Bright Now! Facility ID #465112 501 W Felicita Ave, #101 (760) 705-3150 El Norte Family Dental Facility ID #200272 306 W El Norte Pkwy, #D (760) 480-5600 Escondido Dental Facility ID #255578 403 W Felicita Ave (760) 233-2260 Escondido Smiles Facility ID #442016 860 W Valley Pkwy, #100 (760) 745-1585 Family Care Dental Facility ID #101069 1114 W Valley Pkwy (760) 738-1070 Family Dental Care Facility ID #100914 1340 W Valley Pkwy, #105 (760) 747-4338 Gentle Dental Facility ID #162190 3440 Del Lago Blvd, #C (760) 746-8777 Maple Street Dental Facility ID #531672 327 S Maple St (760) 745-2550 19

North County Dental Facility ID #535448 1356 W Valley Pkwy, #J (760) 233-5887 Shahriyar Zand Facility ID #158168 240 W Mission Ave, #A (760) 747-7000 Western Dental Facility ID #195309 1468 E Valley Pkwy (760) 480-0104

La Jolla La Jolla Dental Arts Facility ID #163535 7540 Fay Ave (858) 729-9808 La Jolla Happy Smiles Facility ID #251236 4150 Regents Park Row, #320 (858) 453-2070 La Jolla Village Smiles Facility ID #537461 8657 Villa La Jolla Dr, #211 (858) 272-2260 Robert Rees Facility ID #200221 7761 Herschel Ave (858) 454-6181

La Mesa Affinity Dental Facility ID #247844 8881 Fletcher Pkwy, #325 (619) 697-2800 Cardinal Dental Facility ID #545228 8960 Fletcher Pkwy, #D (619) 345-7999 Gentle Dental Facility ID #100268 5565 Grossmont Center #459 & 354 (619) 464-3383

La Mesa Family Dental Facility ID #224049 5680 Lake Murray Blvd, #B (619) 465-3393 La Mesa Modern Dental Facility ID #620183 5620 Lake Murray Blvd (619) 324-4195 La Perle Dental Facility ID #565725 7557 El Cajon Blvd, #B (619) 825-7779 Michels Family Dental Facility ID #535479 8375 University Ave (619) 469-2902 Edward Rabinovich Facility ID #179841 3855 Avocado Blvd #250 (619) 660-9800 Rancho San Diego Dentists Facility ID #634559 3767 Avocado Blvd (619) 729-2323 Smilecare Facility ID #215100 5601 Grossmont Center #120&200 (619) 462-2272

Lemon Grove Smileburst Dentistry Facility ID #143709 7040 Broadway, #A-27 (619) 667-1088

National City Crown Dental Facility ID #458150 2405 Transportation Ave (619) 474-6200 Thomas & Silvia Toma Facility ID #159662 3460 Highland Ave, #D (619) 420-1100

Town & Country Dental Facility ID #207340 1536 Sweetwater Rd #E (619) 477-4945 South Coast Dental Facility ID #101095 202 Mile Of Cars Way (619) 477-1970 Western Dental Facility ID #249929 1539 E Plaza Blvd (619) 474-1072

Oceanside Bright Now Facility ID #445194 4170 Oceanside Blvd, #183 (760) 936-0000 College Dental Facility ID #244999 467 College Blvd, #2 (760) 631-3060 Emerald Dental Facility ID #234860 4645 Frazee Rd #A (760) 722-0137 Andrew John Facility ID #591135 2123 S El Camino Real (760) 757-7720 Oceanside Dental Facility ID #619611 4750 Oceanside Blvd, #A14-A15 (760) 466-0776 Quarry Creek Dental Facility ID #275845 3430 Marron Rd, #300 (760) 730-1303 South Oceanside Dental Facility ID #266909 2484 Vista Way, #B (760) 439-0334 Western Dental Facility ID #200141 3125 Vista Way, #100 (760) 439-0026 20

Poway Jinhyun Cho Facility ID # 206431 12285 Scripps Poway Pkwy, #102 (858) 536-8338 Edward Farajzadeh Facility ID #100959 12921 Pomerado Rd (858) 679-4949 Healthy Habit Facility ID #140383 12620 Monte Vista Rd #D (858) 485-8800 Pomerado Dental Arts Facility ID #312604 N 15725 Pomerado Rd, #202 (858) 485-7788 Poway Family Dental Facility ID #256054 13616 Poway Rd, #100 (858) 391-9300 Western Dental Facility ID #193542 12649 Poway Rd (858) 486-6672

San Diego A Street Dental Arts Facility ID #615412 450 A St, #405 (619) 233-4448 Affinity Dental Facility ID #247846 3330 3Rd Ave, #400 (619) 291-8750 Allegiance Dental Facility ID #142931 4690 Genesee Ave, #B (858) 279-6100 American Dental Facility ID #198670 5382 Clairemont Mesa Blvd (858) 277-6620

Apple Dental Facility ID #224029 1540 Fern St (619) 236-9549 Aryan Dental Facility ID #278410 4501 Mission Bay Dr, #2E (858) 270-6626 Najwa Barakat Facility ID #141411 7061 Clairemont Mesa Blvd, #220 (858) 514-8223 Bay Park Smiles Facility ID #615595 2995 Clairemont Dr, #A (858) 200-0827 Bernardo Heights Dental Facility ID #465479 15731 Bernardo Heights Pkwy, #101 (858) 674-6813 Brite Smile Facility ID #504943 6280 Jackson Dr, #2 (619) 667-3330 Robert Camhi. Facility ID #601167 11968 Bernardo Plaza Dr (858) 521-0000 William Carlo Facility ID #100273 9040 Friars Rd, #535 (619) 285-0950 Carmel Mountain Dentistry Facility ID #450370 10175 Rancho Carmel Dr #126 (858) 675-9055 Carmel Plaza Dental Facility ID #119309 11738 Carmel Mountain Rd #1, #170 (858) 675-7540 Carmel Valley Facility ID #621114 5550 Carmel Mountain Rd, #101 (858) 251-1407

Susan Chang Facility ID #254693 7380 Clairemont Mesa Blvd, #100 (858) 715-8080 Clairemont Family Dental Facility ID #348337 3670 Clairemont Dr #14 (858) 273-0540 Clairemont Smiles Facility ID #531491 5675 Balboa Ave (858) 268-0110 Coast Dental Care Facility ID #270753 6585 El Cajon Blvd (619) 265-0072 Coast Dental Facility ID #213868 1333 Camino Del Rio S, #202 (619) 260-4990 Cosmetic & Family Dentistry Facility ID #272069 9636 Tierra Grande St #105 (858) 549-4511 Dental Art Of Coronado Ave Facility ID #414022 2987 Coronado Ave #A (619) 429-5959 Dental Arts Of Palm Ave Facility ID #409141 3388 Palm Ave (619) 424-3456 Downtown San Diego Modern Facility ID #625083 435 4Th Ave (619) 850-2550 East Village Dental Facility ID #607612 1455 G St (619) 324-4981 Dr Ellie'S Gentle Dentistry Facility ID #449329 2020 Camino Del Rio N, #101 (619) 542-1800

21

Extreme Smile Makeover Facility ID #266884 5927 Balboa Ave (858) 751-5733 Edward Farajzadeh Facility ID #181858 3867 Clairemont Dr (858) 581-6535 Gentle Dental Facility ID #450215 9339 Genesee Ave, #240 (858) 552-1244 Gentle Dental Facility ID #250595 9855 Erma Rd, #108 (858) 578-9020 Gentle Dental Facility ID #166000 11230 Sorrento Valley Rd, #130 (858) 458-9126 Grand Dental Spa Facility ID #607199 1776 Grand Ave (858) 270-7540 Great Smile Dental Facility ID #579173 5210 Balboa Ave, #A-2 (858) 598-5842 Kensington Dental Facility ID #567873 4142 Adams Ave, #104 (619) 326-0157 Kwang Park Facility ID #101031 3023 Bunker Hill St, #101 (858) 270-1400 Mesa Dental Facility ID #256196 7625 Mesa College Dr, #100 (858) 514-4290 Mission Hills Dental Facility ID #622133 718 W Washington St (619) 699-9008

Mission Valley Dentists Facility ID #512417 5638 Mission Center Rd, #107 (619) 220-0159 Murphy Canyon Dental Facility ID #613951 5250 Murphy Canyon Rd, #122 (858) 268-8112 Origin Dental Facility ID #620933 9200 Scranton Rd #101 (858) 264-2555 Pacific Dental Facility ID #239014 9330 Mira Mesa Blvd, #B (858) 693-9070 Pacific Highlands Dentistry Facility ID #601124 5965 Village Way, #E206 (858) 900-3541 PB Smiles Dentistry Facility ID #561763 1975 Garnet Ave, #E (858) 866-0808 Prime Dental Facility ID #507686 10717 Camino Ruiz, #150 (858) 831-9288 Dr Q Dental Facility ID #632478 8963 Mira Mesa Blvd (858) 215-4938 Rancho Dental Facility ID #189648 1442 University Ave (619) 297-6104 Arvinda Reddy Facility ID #478803 5440 Morehouse Dr #1800 (858) 433-8798 Mark Riedler Facility ID #139768 4167 Ohio St (619) 281-6635

Rite Family Dental Facility ID #243867 12330 Carmel Mountain Rd, #C4 (858) 485-0555 Smile San Diego Facility ID #100972 2650 Camino Del Rio N, #102 (619) 298-0521 Smilecare Facility ID #214022 3820 Convoy St (858) 569-1100 Smilecare Facility ID #213869 8997 Mira Mesa Blvd (858) 536-5550 Stonecrest Dental Facility ID #441080 3737 Murphy Canyon Rd, #C2 (858) 694-0790 Sunshine Dental Facility ID #163170 9888 Carmel Mountain Rd, #B (858) 780-8870 Sunshine Dentistry Facility ID #276363 4230 30Th St (619) 282-1007 Tierrasanta Dental Facility ID #280978 10405 Tierrasanta Blvd (858) 492-9300 Ucare Dental Facility ID #487157 6255 Lusk Blvd, #250 (858) 658-0691 West View Dental Facility ID #482128 13350 Camino Del Sur, #6 (858) 484-9977 Western Dental Facility ID #200150 2948 University Ave (619) 294-4661

22

Western Dental Facility ID #459145 4123 University Ave (619) 521-0033 Western Dental Facility ID #194513 3802 Clairemont Mesa Blvd (858) 273-8390 Dr Zak Facility ID #229999 7319 Clairemont Mesa Blvd (858) 569-9651

San Marcos Bright Now! Facility ID #446563 752 S Rancho Santa Fe Rd (760) 936-0002 Anna Durkin Facility ID #251590 1344 E Mission Rd, #C (760) 740-0070 Las Posas Dental Facility ID #512276 145 S Las Posas Rd, #162 (760) 736-4247 San Marcos Dental Facility ID #264792 709 Center Dr, #101 (760) 746-2045 Babak Shahrokh Facility ID #633782 365 S Rancho Santa Fe Road, #105 (760) 471-9560 Sun Smile Dental Facility ID #606313 1582 W San Marcos Blvd, #201 (760) 744-1300 Western Dental Facility ID #511697 169 S Rancho Santa Fe Rd (760) 916-9595

Santee Edward Reidy Facility ID #100949 9280 Mast Blvd (619) 449-8530 Santee Cottonwood Dental Facility ID #105327 9715 Mission Gorge Rd (619) 448-7444 Santee Smiles Dentistry Dental Facility ID #563561 9331 Mission Gorge Rd, #105 (619) 448-2158 Santee Town Center Dental Facility ID #465457 246 Town Center Pkwy (619) 312-6006 Town Center Dental Facility ID #256053 9862 Mission Gorge Rd, #E (619) 596-1600

Spring Valley Smileburst Dentistry Facility ID #418653 645 Sweetwater Rd (619) 464-0426

Vista Coast Dental Facility ID #215105 1279 E Vista Way (760) 208-2518 Gentle Dental Facility ID #513040 1680 S Melrose Dr, #108 (760) 599-5805 La Jolla Cosmetic & Family Facility ID #210242 706 Townsite Dr (760) 724-4392 La Jolla Townsite Family Facility ID #437090 706 Townsite Dr (760) 724-4392

Main Street Dental Facility ID #440839 35 Main St, #C130 (760) 295-9870 North County Dental Facility ID #100205 1000 E Vista Way (760) 940-4266 Pearl Dental Facility ID #247451 771 E Vista Way, #101 (760) 560-0600 Scott Peters Facility ID #463359 1925 W Vista Way (760) 729-2348 Vista Dental Care Facility ID #445128 138 Civic Ctr Dr, #115 (760) 630-5000 Vista Dental Facility ID #253956 435 S Melrose Dr, #105 (760) 758-7580 Vista Village Family Facility ID #438392 950 Civic Center Dr, #B (760) 208-4030 - These offices are currently at capacity and are not accepting new patients from our network at this time. If you are a current patient, contact your dentist to see if they can accept you under this plan. Note: Not all dentists at a facility may accept this plan. If you wish to see a specific dentist, call them to confirm they are a Cigna HMO dentist.

23

Personal Accident & Secure Travel This two-part plan includes an enhanced Accident Death & Dismemberment (AD&D) policy and a special Secure Travel rider that kicks in anytime a member travels 100 miles or more from home. AD&D policies are inexpensive and provide large cash benefits if an insured person is seriously injured or dies in an accident. Accidents are the 5th leading cause of death in the U.S., and this policy is a great way to protect your family, should the unthinkable happen. The Secure Travel Rider includes these following benefits:

Medical Evacuation Translation Service Legal Assistance Emergency Cash Advance Lost or Stolen Item Assistance Repatriation Prescription Refill Assistance Bail Bond Posting Medical & Dental Referral Emergency Message Relay Pre-Trip Planning 24 Hour Availability

This coverage is available for either the member or with family coverage including spouse / domestic partner and child up to age 26. Included special benefits are:

Up to $25,000 for home alteration & vehicle modification. Up to $10,000 for rehabilitation expenses. Up to $37,500 for wearing a seatbelt & having a functioning airbag.

Spouse / Domestic Partner benefit is at 50% of member benefit (40% if any child is covered). Child benefit is 10% of member benefit (15% if you are a single parent) - max $30,000. Age reduction applies: Age 70: 65%; Age 75: 45%; Age 80: 30%

Personal Accident Benefit Retiree Monthly Premium

Retiree & Family Monthly Premium

$100,000 $4.90 $6.60

$200,000 $9.80 $13.20

$300,000 $14.70 $19.80

$400,000 $19.60 $26.40

$500,000 $24.50 $33.00

24

Vision with Exam - VSP Annual eye examinations are vital. Not only can they discover early signs of potentially blinding eye conditions, such as glaucoma, diabetic eye disease, or macular degeneration, but they can also detect signs of serious health conditions, like hypertension, cardiovascular disease, diabetes and high cholesterol, that can easily go unnoticed by you. Unlike most of your body, your eyes do not usually hurt when there is something wrong.

This PPO plan is designed for members who have medical coverage other than Kaiser or Health Net as these medical plans include coverage for an examination.

The plan allows you to see any provider nationwide, but if you use one of the 37,000 VSP Choice network providers, you will receive the highest benefits and lowest costs. VSP Retail Affiliate Providers include Costco and Visionworks and VSP has direct pay agreements with Walmart Vision and Sam’s Club Optical.

Many VSP Choice network providers offer additional discounts on various eyewear enhancements such as anti-reflective coating, progressive lenses, polycarbonate lenses, photochromic lenses, scratch-resistant coating, Laser (LASIK / PKR) surgery, retinal screenings, additional pairs of glasses, and sunglasses.

Find local VSP Choice Network providers at: www.VSP.com

Coverage is available for the Association member individually or you may also add coverage for your spouse or domestic partner, and your dependent children up to age 26. Coverage is also available to children age 26 and older if they are permanently disabled and the member lists them as a dependent on their tax return. Grandchildren are only eligible if you have full legal custody, not temporary guardianship.

Description VSP Choice Network Provider

Non-Network Provider

Comprehensive WellVision Exam 100% Covered $45

Single Vision Lens 100% Covered $30

Bifocal Lens 100% Covered $50

Trifocal Lens 100% Covered $65

Lenticular Lens 100% Covered $100

Contacts (Medically Necessary / Elective) 100% Covered / $150 $210 / $105

Frames $150 $70

Deductible: Exam / Material $10 / $25

Frequency: Exam / Lens / Frame 12 / 12 / 24

VSP Vision Monthly Premium

Retiree Only $10.25

Retiree + Spouse / Domestic Partner or Child $20.50

Retiree + Family $30.25

25

Vision without Exam - Indemnity This “materials only” plan is designed for members who have Kaiser or Health Net medical coverage. As those medical plans include coverage for an eye examination, but not glasses or contacts, this plan will help pay for what your medical coverage does not. You may visit any eye care professional. This indemnity vision plan does not have a network. Your coverage is a set dollar amount regardless of which eye care professional you visit.

Description Maximum Member Benefit

Single Vision Lens $35

Bifocal Lens $50

Progressive Lens (No Line Bifocal) $70

Trifocal Lens $65

Lenticular Lens $70

Contact Lens $110

Frames $75

Deductible: Lens / Frame / Contacts $15 / $15 / $0

Frequency (Lens / Frame) 12 / 12

Vision Indemnity Monthly Rates

Retiree Only $4.55

Retiree + Spouse / Domestic Partner or Child $8.10

Retiree + Family $11.62

26

Legal Shield From Traffic Tickets to Wills, Real Estate or Divorce: Professional Legal Advice for Less Than 50¢ a Day

Legal Shield was founded over 40 years ago, with the belief that everyone deserves access to quality, affordable legal protection. Businesses and the wealthy can afford to pay attorneys $400 an hour to protect their interests, but can you? With Legal Shield, you gain access to attorneys to level the playing field and give you the protection you need, all for less than 50¢ a day.

Legal Shield’s nationwide network of affiliate lawyers, with an average of 19 years of experience, is there to help you with any legal issues. Whether it’s personal, business related, or criminal, you will have quality legal representation and know all of your rights.

When you join Legal Shield, you’ll experience the safety and security that over 1.5 million members enjoy. Access to convenient quality no-cost legal help is only a toll-free phone call away.

Benefits of Legal Shield membership include:

Phone Calls and Letters We’ve all experienced situations where a person or company has taken advantage of us or refused to do as promised, and our personal calls and letters do not resolve the situation. Perhaps it was a store that didn't honor a return, or a poorly done repair job, or a merchant who didn’t honor their low-price guarantee? Unfortunately, many businesses know they can get away with these things, because few people will spend the time or hire a lawyer to being them to justice.

With Legal Shield, your attorney will write a letter or make a call on your behalf at no cost to you. When the other party sees that you have legal representation, they know you are serious and will work to get the situation resolved.

Will Preparation with Annual Reviews Having an updated Will is part of being a responsible adult. However, 55% of Americans don’t have one. The numbers are even more shocking for minorities: 68% of African Americans and 74% of Hispanics do not have a Will. Considering the benefits of having a Will, these are unfortunate statistics. Wills can:

• Protect your assets from probate and intestacy laws and greatly reduce time spent in costly probate court. • Provide peace of mind, knowing that your assets are protected and your loved ones will be cared for. • Control the gifting of assets to the specific person(s) you choose. • Ensure your committed relationship partner is provided for.

Legal Shield members receive a Will and annual updates at no cost, and spouses can have a Will prepared for just $20. For members requiring a higher level of estate planning, Trust preparation is available with a 25% discount.

Contract and Document Review While we all say that we would never sign a document without reading it thoroughly, the reality is that most only skim. Chances are, we wouldn’t make sense of the legal jargon fine print anyway.

With Legal Shield, at no cost to you, you can have an unlimited number of personal legal documents reviewed and explained to you in “plain English” by your attorney. Your attorney will also suggest any changes he or she deem necessary and if the other party has acted improperly, the attorney can contact them on your behalf to resolve the issue.

27

Whether you’re signing a new cell phone contract, booking a hotel room, or wanting to ensure that you get your full security deposit back from your landlord, legal document review can save you thousands of dollars and countless headaches.

IRS Audit Protection An IRS audit can be terrifying, even if we believe we did everything 100% honestly. Unfortunately, around 1.5 million people experience an IRS audit every year. For those who think only the wealthy get audited, over 80% of audits are done to households making less than $50,000 per year.

With Legal Shield, when you are notified of an audit by the IRS, you have immediate access to consultation, advice, and assistance at no cost to you. You can receive, at no additional cost, up to 50 total hours of your attorney’s time to help defend the audit.

Motor Vehicle Services Vehicle ownership creates the potential for many different problems. When there’s a car accident, our insurance company deals with the issue, but who takes care of more minor issues? What if your car is vandalized in a parking lot? What if items are stolen from your car after being valet parked or washed? What if another driver nicks your car while it’s parked on the street? - and the other driver is claims it’s your fault based on how you parked? - and the police issue YOU a citation! Problems happen and whether you were the at fault party or not, having an attorney on your side can be crucial.

If your driver’s license is revoked or suspended, your Legal Shield attorney will help you. They will put you in a position of knowledge regarding the law. If the unthinkable happens and you are involved in a fatal car accident and charged with involuntary manslaughter, negligent homicide, or vehicular homicide, your attorney will defend you, no matter how long it takes.

Trial Defense The United States is a litigious country. We have more lawyers per capita than any other nation and a new civil lawsuit is filed once every two seconds. Whether the suit has merit or is frivolous, lawsuits can cause tremendous emotional and financial stress.

With Legal Shield, if you or your spouse is named as a defendant in a covered civil or criminal action, your attorney will provide up to 60 hours of defense at no additional cost to you.

Legal Shield Monthly Premium

Member & Family: $14.95

Add 24-hour access to an attorney if you’re ever arrested or detained, injured in a motor vehicle accident, confronted with the state taking your children, or served with a warrant, for only $1 more.

For one low price, Legal Shield covers the member, their spouse, and the following dependent children:

• Under age 18 for whom the member or member's spouse is the legal guardian. • Under age 21, never married and living at home. • Under age 23, never married and a full time college student. • Under age 26, never married and living at the member’s home. • Any dependent child, regardless of age, who is incapable of sustaining employment because of mental or

physical disability and who is chiefly dependent on the member or member's spouse for support.

Note: Benefits listed are for California. Benefits outside California may vary slightly. 28

Liberty Mutual Discounted Policies Whether You Own, Rent, Drive, or Float.

As a member of RESDC, you're eligible for an exclusive discount on auto and home insurance with Liberty Mutual. Save even more when you combine both policies with our Multi-Policy discount.

Homeowners Insurance protects your home and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property.

Car, Motorcycle, Boat & Watercraft, Antique & Classic Car, ATV & RV coverage options, benefits and discounts mean you can get the protection you need, at a price you deserve. Customize your policy to meet your needs with New Car Replacement (included on all policies), Better Car Replacement and Rental Reimbursement.

Renters Insurance covers the possessions that matter to you from theft, fire, and some types of water damage. And renters coverage doesn't stop when you leave your home. Your personal property is covered in your car, when you go on vacation, even when you're moving. You will also be covered if you accidentally damage someone else's property or if someone sues you for their injury in your apartment.

Condo Insurance. If you own a condominium, the interior of your unit, your personal possessions and liability are not covered by the association insurance. For covered losses, Condo Insurance covers alterations, appliances and fixtures and improvements that are part of the building unit where you reside. Other structures such as your shed or garage. A condo policy protects you against causes of loss including fire, windstorms, lightening, hail, theft, vandalism and malicious mischief. It also includes personal liability coverage that covers you for things such as injuries that occur in your home, or accidental damage to someone else’s property.

Landlord Insurance protects your residential rental property; single-family, duplex, triplex and quad. Items on the premises you own such as microwaves, washers and dryers being used by your tenants - even tools you keep handy for repairs.

Personal Liability/Umbrella Insurance provides an additional layer of personal liability protection. A single policy covers all underlying policies you own (auto, home, motorcycle, boat, etc.) and kicks in if the liability limits on these policies are exhausted

Flood Insurance. Approximately 25% of flood claims occur outside special flood hazard areas and a standard homeowners policy does not cover flood damage. Floods are occurring in more places and becoming more severe. In some cases, flood insurance is mandated if you live in a special flood hazard area and your mortgage is federally insured. Liberty Mutual sells flood insurance on behalf of the Federal Emergency Management Agency.

Liberty Mutual Policies are tailored to meet your specific needs.

For a quote, visit: www.libertymutual.com/resdc or call the RESDC Dedicated Agent, Cynthia Michel at (866) 520-6782, x 58245. You Must Mention Group 119501 in order to get the special RESDC discounted rates.

29

Nationwide (VPI) “PPO” Pet Insurance Available for Dogs, Cats, Birds, & Exotic Animals

Our cuddly companions are part of the family and we want to provide them with the best care. Americans will spend over $60 billion this year on pet care. With Nationwide Pet Insurance, the nation’s oldest pet insurance company, instead of worrying about the cost of care, you can focus on what is really important: your pet’s health.

Multiple plans are available to fit your situation and benefits are paid on a set benefit schedule. You may see any vet or specialist.

Popular Nationwide Pet Insurance Plans Premium*

Major Medical is dependable coverage for common medical costs, accidents and illnesses, and some hereditary conditions.

$17 / Cat $31 / Dog

Wellness is coverage for the yearly essentials your pet needs including flea/heartworm prevention and vaccinations.

$12 / Cat $17 / Dog

Whole Pet with Wellness is nose-to-tail coverage for accidents and illnesses, hereditary and chronic conditions, and wellness essentials.

$32 / Cat $58 / Dog

Injury is low-cost coverage for accidental injuries like poisonings and broken bones.

$10

Feline Select is low-cost coverage for accidents and illnesses, including the 15 most common conditions.

$11

*Plans are age and breed rated and may also be customizable. The listed premiums are estimates.

For more information or to enroll at the discounted RESDC rates, call Nationwide directly at (877) 738-7874, and mention you are a RESDC member; or visit:

www.petinsurance.com/resdc

30

United Pet Care “HMO” Pet Coverage Available for Dogs, Cats, Birds, Rabbits, Ferrets, Pocket Pets, & Reptiles

United Pet Care (UPC) offers a unique approach to pet care. UPC is a discount program available for all pets, regardless of age or pre-existing and breed-specific conditions. Pet owners receive instant savings of 20% - 50% off exam, surgery, hospitalization, vaccine, spay/neuter, diagnostic, radiology, dental, and other preventative and sick care procedures. Medication is discounted 20% - 25%. Saving money with UPC is easy. There is no deductible, no claim form, no waiting period, no pre-existing condition exclusion, and no limit on the number of vet visits. Your pet may enroll regardless of age or medical condition(s) and you start saving money from day one! Pet parents select from a nationwide network of over 1,900 conveniently located, quality veterinarians. Members also receive discounts at a variety of pet stores including those for: pet food, natural food, grooming, accessories, products, supplies, boarding kennel, doggie daycare, pet sitting, dog walking, training and obedience, herbs and supplements, and medications.

A list of providers in the San Diego and surrounding areas are on the following page. For the most up to date list of vets and vet availability outside San Diego, please call UPC at (888) 781-6622 or visit:

www.UnitedPetCare.com/resdc

United Pet Care Monthly Premiums Start At:

1 Pet $8.75

2 Pets $16.60

3 Pets $24.30

Each Additional Pet $7.70

To enroll or for more information: Call United Pet Care at (888) 781-6622 and mention you are

a RESDC member or visit: www.unitedpetcare.com/resdc

31

United Pet Care “HMO” Directory

This directory covers San Diego and surrounding areas and is for the United Pet Care “HMO” pet care plan. You only need to select a vet from this list if you are enrolling in the United Pet Care “HMO” pet care plan. If you are enrolling in the Nationwide (VPI) PPO plan, you do not need to select a vet from this list.

When enrolling in the United Pet Care “HMO” pet care plan, you must select a vet at time of enrollment. However, you are not locked into any facility. You may change vets at any time by calling United Pet Care and selecting a new vet.

For a list of vets outside San Diego and surrounding areas, please visit: http://unitedpetcare.com/resdc

Alpine Country Pet Hospital 2525 Alpine Boulevard #2 Alpine, CA91901 (619) 445-9815

Carlsbad Aviara Animal Health 6986 El Camino Real, #1 Carlsbad, CA 92009 (760) 438-7766

Chula Vista Amazon Animal Hospital 1172 3rd Ave #D8 Chula Vista, CA 91911 (619) 476-0053 Eastlake Village Veterinary 2260 Otay Lakes Rd Chula Vista, CA 91915 (619) 482-9100

Encinitas Santa Fe Animal Clinic 301 Santa Fe Drive #A Encinitas, CA 92024 (760) 753-6512

Escondido Animal General Practice PO Box 300744 Escondido, CA 92030 (760) 739-1092 Parkway Pet Clinic 855 E. Valley Parkway Escondido, CA 92025 (760) 743-0973

La Mesa Fuertes Animal Hospital 4620 Avocado Blvd La Mesa, CA 91941 (619) 440-1432

Lemon Grove Advanced Mobile Vet 7614 Lemon Ave Lemon Grove, CA 91945 (619) 602-0600

San Diego ABC Vet Hosp. - Kearny Mesa 8020 Ronson Rd. San Diego, CA 92111 (858) 278-1825 ABC Vet Hosp. - Pacific Beach 2032 Hornblend St. San Diego, CA 92109 (858) 270-4120 ABC Vet Hospital - Uptown 4054 Normal St. San Diego, CA 92103 (619) 299-6020 Bay Park Veterinary Clinic 3024 Hancock St. San Diego, CA 92110 (619) 276-1616 Black Mountain Pet Clinic 13161-1 Black Mountain Road San Diego, CA 92129 (858) 484-5000

Clairemont Village Clinic 3007 Clairemont Dr, #G San Diego, CA 92117 (619) 275-5752 Colina Veterinary Hospital 5530 University Ave San Diego, CA 92105 (619) 286-3360 Rancho Bernardo Vet 12540 Oaks North Dr #D San Diego, CA 92128 (858) 487-4130 San Diego Bay Hospital 3681 Sports Arena Blvd San Diego, CA 92110 (619) 481-3007

Vista Aloha Animal Hospital 2020 East Vista Way Vista, CA 92084 (760) 724-8313

32

Term Life Insurance High Benefit Amounts - Low Costs

Term life insurance is designed for those seeking a high benefit amount, covering a set period of time (term). Term has the lowest cost, but rates are determined based on your health. Term pays a benefit to your beneficiaries upon your death, but it has no cash value.

Since coverage is based on your health (medically underwritten), a ParaMed visit is required. This is a fast and free height and weight check, blood and urine test, and a few family history questions, done at your home, usually lasting only a few minutes. Also, at no cost to you, the insurance company will obtain copies of your medical records from your doctor to confirm your answers on the enrollment form.

Minimum benefit amount is $100,000. Approximate monthly rates for a typical, healthy non-smoker are:

Note: People treated for cancer or depression within the last two years will not qualify for coverage. People diagnosed with diabetes, high cholesterol, high blood pressure, or heart disease may not qualify for coverage; those that do will generally receive premium rates approximately 100%-150% higher than those listed above.

Rates listed are for individuals who have not used any tobacco product in at least 24 months. Coverage for tobacco users is approximately 135% higher for females and 150% higher for males.

Extra coverage riders including Return of Premium that returns you all your premiums paid at the end of the policy; Waiver of Premium that allows you to stop paying should you become medically incapacitated; and Accidental Death that pays an increased benefit should you die due to an accident may be available at an additional cost.

Monthly Rates - $100,000 Benefit

Age Female Male

10 Year 20 Year 10 Year 20 Year

55 $23 $33 $28 $43

60 $34 $49 $39 $69

65 $49 $85 $69 $119

70 $76 $149 $109 $209

75 $137 N/A $197 N/A

Must be under age 76 to qualify for coverage.

33

Travel Guard Insurance Insurance to Cover All Your Travel Needs

A vacation is a break from the routine of everyday life and all its worries. It’s a time to relax and try something different. But sometimes the unexpected happens without warning, which can be costlier when we’re far away from home.

When the sudden illness of a traveling companion or family member back home, a natural disaster, or inhospitable weather alters your traveling plans, all the money paid for a vacation is lost. Travel insurance provides peace of mind and protects you from the unforeseen.

Whether you’re going on a cruise, tour package, resort vacation, safari, or just a quick self-booked trip, Travel Guard insurance protects you in a variety of circumstances. Coverage is available for:

Trip cancellation, interruption, and delays.

Missed connections.

Medical coverage for international travel, as Medicare and most insurance will not cover you

outside the U.S.

Emergency evacuation to the nearest appropriate care facility.

Baggage delay/loss coverage.

Travel Guard Insurance

Rates are based on cost & length of trip and age of traveler.

Age Approximate Cost of Insurance

65 7% of Trip Cost

70 9% of Trip Cost

75 11% of Trip Cost

80 15% of Trip Cost

Visit: www.pgagencies.com/resdc & click the Travel Insurance icon. If you do not have internet, for assistance call: (800) 511-9065.

34

Emergency Assistance Plus

Emergency Assistance Plus (EA+) is a unique safety net that helps you pay for emergencies your health and travel insurance generally will not. This annual policy covers you whether you’re home, traveling across the state, or on the other side of the world. EA+ allows you to travel confidently with 24-hour emergency assistance at your fingertips.

What happens if you’re traveling and you have a medical emergency? How do you get back home? Who takes care of your vehicle, your pets back home, and your traveling companions? With EA+, you can put all those worries to rest. Benefit highlights include:

Transportation home after hospitalization.

Hotel room for recuperation after a hospital stay.

Return of your vehicle if you can't drive back home.

Medical specialist sent to you.

Pet care and return home assistance.

Ticket home for a traveling companion.

Airline ticket to bring a loved one to your bedside if you're traveling alone and must stay in a hospital for more than 7 days.

Airfare home for dependent children or grandchildren.

Emergency medical evacuation to get you to an appropriate medical facility.

Emergency medical monitoring by an EA+ medical expert.

Emergency Assistance Plus Annual Premium

Retiree Only $114

Retiree + Family $144

To enroll: www. emergencyassistanceplus.com/pedit or call: (877) 883-1935.

35

Amplifon Hearing Benefit It’s time to increase the quality of your life!

Hearing loss is a natural part of aging. Left untreated, however, hearing loss reduces the overall quality of life; sufferers have higher rates of depression and social isolation. It can also cause Auditory Deprivation, a decrease in speech understanding resulting from a hearing loss.

Clinical studies show that wearing a properly fitted hearing aid significantly improves overall quality of life. Yet, denial and embarrassment are cited as the main reasons for not getting a hearing aid. Even though many hearing aids are virtually invisible and deliver excellent performance, a Johns Hopkins study revealed that only a small percentage of people with hearing loss used a hearing aid.

Amplifon Hearing Health Care has partnered with RESDC to offer a FREE hearing aid discount program. Benefits include:

Around 25% off hearing aids, including name brands like Phonak, ReSound, Starkey, and

Siemens.

Around 40% off testing and diagnostics.

Low price guarantee: Will beat local hearing aid quotes by 5%!

Free one-year supply of batteries - approximate a $75 value.

Free one-year follow-up care.

Risk-free, 60-day, 100% money-back satisfaction guarantee.

Three-year warranty - one of the longest in the industry.

Financing available.

Amplifon Hearing Health Care Premium

Retiree + Family FREE

To take advantage of this free program, call Amplifon Hearing Health Care at 877-846-7075 and let them know you’re a RESDC member. A Patient Care Advocate will assist you.

36

Disclaimer In promoting the health, well-being, happiness, and continued productivity of its members, RESDC has endorsed the

offering of these benefits through Pacific Group Agencies (PGA), but RESDC itself does not provide or administer any

of these benefits, nor does RESDC receive any financial compensation for their sale.

This booklet contains plan summaries and highlights. Exclusions, limitations, and eligibility requirements may apply.

Certain wording has been shortened due to space. Every attempt has been made to ensure this booklet and referred to

websites are accurate representations of the coverages being offered; however, mistakes can occur. This booklet is not a

Certificate of Insurance (COI) and nothing contained herein, either written or implied, will change the terms of the

COI.

Insurance carriers have the right to change the rules, regulations, terms of coverage, availability, guidelines that are

placed on the application, policies, enrollment, rates, and offering of products at any time.

While infrequent, providers may, without warning, discontinue their affiliation with an insurance company. There is no

guarantee that a provider will remain affiliated with an insurance company.

An individual cannot assume they have effective insurance coverage even if they have submitted an application. An

individual cannot assume that they have coverage until the carrier has sent the individual a verification of coverage

with the appropriate effective date.

Some plans have a minimum commitment. Should you cancel coverage by any action, including stopping payment,

before the commitment is up, PGA, at its sole discretion, reserves the right to retroactively cancel your insurance to the

original effective date and refund your premiums paid. You acknowledge responsibility for any outstanding or paid

claims and any discounts you may have received by utilizing a network provider.

Cancelations:

We cannot accept phone cancelations. Cancelations must be sent in writing (letter, email, or fax) to PGA, not to

the insurance carrier, county, or RESDC. Cancelations sent elsewhere may result in additional monthly

premiums deducted. PGA reserves the right to adjust your cancelation date to match that of the last deduction

received. Under no circumstances will PGA be liable to refund you the additional deducted premium.

Cancelations require significant lead time to process and must be received by Noon on the 5th

of the prior

month. Cancelations received after, will be processed for the next following month.

Retroactive cancellation of premium payments may result in monies being owed to PGA for coverage advanced

to the insurance company. You agree to reimburse PGA the monies owed and all costs associated with

collection of those monies.

It is the responsibility of the member to:

Report to PGA any change that affects insurability or the passing or ineligibility of covered dependents. Due to

privacy laws, notifying the county or RESDC will not suffice as they cannot relay this information. Premiums

will be considered earned and cannot be refunded should you fail to notify us.

Confirm they are enrolled in the correct and suitable plan.

Maintain RESDC membership while enrolled in the benefits.

Provide address changes to PGA.

Coverages may be terminated without warning should your retirement check, checking account, or credit card

deduction stop for any reason or your membership in RESDC lapses.

For questions on the plans or the enrollment process, please contact the plan administrator, Pacific Group Agencies, CA

Lic. 0078489, at: (800) 511-9065.