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03/10/99 16:38 FAX PHIL BRET°T -~ LA~V DIR C~ 016 <br />~y 'IIieGuardian~ <br />201 Park A.euue 5ou~ <br />Nam„ York. PIY 10003 <br />DIBART INS AGCY CORD <br />CLEVELAND gZERETVAI <br />3323 BRAINARp ROAD <br />PEPPER PIKE, OH 44124 <br />MS APIAIETTE SUSAN gARRTSOPT <br />MAYFYELD VILLAGE <br />6621 WILSON MILLS ROAD <br />HAYFIELD VILLAGE, OH 44143-3499 <br />RE: Group Plan G-304826-I-38 <br />Plaririolder: <br />475 <br />TL <br />February 19, 1999 <br />~~~~~~ <br />2~ ~ ~ <br />Z~ ~~"'V7 <br />fig' I' <br />1°0`'~1g~~ ~~J~ ~¢~ <br />Dear <br />As a values client of The Guardian, we thank you for allowing us to be a <br />provider Of your group's benefi ourarid yourremployees with topequalitYan <br />remains committed tv providing y <br />benefit plans. <br />The new monthly rates for the upcoming year for Your current plan are shown <br />below and will take effect on April 1, 1999_ <br />CURRENT RATES REITEWAL RATES <br />Dental 30.13 per employee ~.~' 1~ <br />Employee 5 26.20 per employee $ ch unit 6~5 a]. <br />Spouse & Child(ren) $ 43.83 per sp/ch unit $ 50.4fl Per sp/ l ~~ <br />Factors that may influence tha rating structure of your employee bzrefit <br />plans include. <br />- Your group's age, gender and invome;* <br />- Your company's ].ovation and industry clas5ificati0n;x <br />- Federal and/or State legislative; <br />- Increases in provider costs (for medical anfl dental); and, <br />- state-specific small group r2form (for medical). <br />xWhere prohibited by state law, these factors are not used far medical_ <br />Ne welcome the opportun~.ty to review your plan design to ensure that you <br />are maximizing your benefit dollars. <br />Several dental options are available. EXamPles inclufle: <br />Changes in deductibles, Coinsurance and maxi-mum benefits; <br />DentalGUard Preferred -- our ppo product has over 100 options <br />(available in most states); and. <br />- Other benefit modifications which are competitive in today's <br />market and can save you 5-10~. <br />'i3e Guard <br />Y.ife luyurwue Ga~mPaa7 <br />of America ~ Ems- 18b0 <br />