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{"sheet":"Choose SIC and Region","index":0,"n_rows":62,"n_cols":6,"rows_kept":62,"cut":false,"hidden":false,"merged":[[56,6,56,10],[57,0,57,1],[48,0,48,1],[57,3,57,4],[52,0,52,5],[61,0,61,5],[60,0,60,5],[49,0,49,1],[34,0,34,1],[59,3,59,4],[58,0,58,1],[59,0,59,1],[58,3,58,4],[53,3,53,4],[51,0,51,1],[35,0,35,1],[32,3,32,4],[39,3,39,4],[31,3,31,4],[54,0,54,1],[46,3,46,4],[42,0,42,1],[54,3,54,4],[45,3,45,4],[45,0,45,1],[43,0,43,5],[40,0,40,1],[50,0,50,1],[44,3,44,4],[32,0,32,1],[39,0,39,1],[38,0,38,1],[37,3,37,4],[24,6,24,10],[53,6,53,10],[54,6,54,10],[47,6,47,10],[25,6,25,10],[55,6,55,10],[37,0,37,1],[36,0,36,1],[5,0,5,2],[11,3,11,5],[23,0,23,5],[22,3,22,5],[18,3,18,5],[19,3,19,5],[45,6,45,10],[46,6,46,10],[26,6,26,10],[27,6,27,10],[29,6,29,10],[30,6,30,10],[31,6,31,10],[32,6,32,10],[44,6,44,10],[40,3,40,4],[56,3,56,4],[56,0,56,1],[55,0,55,1],[53,0,53,1],[47,0,47,1],[55,3,55,4],[5,3,5,5],[24,0,24,1],[25,0,25,1],[51,3,51,4],[41,3,41,4],[42,3,42,4],[48,3,48,4],[47,3,47,4],[46,0,46,1],[41,0,41,1],[33,0,33,1],[50,3,50,4],[38,3,38,4],[34,3,34,4],[35,3,35,4],[33,3,33,4],[36,3,36,4],[26,0,26,1],[0,1,0,5],[28,0,28,1],[27,0,27,1],[26,3,26,4],[8,0,8,2],[2,0,2,2],[29,0,29,1],[2,3,2,5],[3,0,3,2],[11,0,11,2],[6,0,6,2],[10,0,10,2],[22,0,22,2],[6,3,6,5],[27,3,27,4],[28,3,28,4],[1,0,1,2],[29,3,29,4],[9,0,9,2],[25,3,25,4],[30,3,30,4],[49,3,49,4],[1,3,1,5],[24,3,24,4],[7,0,7,2],[3,3,3,5],[20,3,20,5],[31,0,31,1],[44,0,44,1],[30,0,30,1]]}
[null," Rates and SIC Codes"]
["California PPO Rate Area Definitions"]
["Region 1",null,null,"Region 2"]
["ZIP Codes 900–908, 910–928, 930, 932–933, 935–938, 952–953, and 956–958.\nThe following ZIP Codes are excluded from Region 1 but included in Region 2: \n92222, 92227, 92231–92233, 92243–92244, 92249–92251, 92257, 92259, 92266, 92273, 92275, 92281, 92283, 92328, 92384, 92389, 93013, 93014, 93067, 93512–93515, 93517, 93522, 93526, 93529–93530, 93541–93542, 93545–93546, 93549, 95646, 95724, 95728",null,null,"ZIP Codes: 931, 934, 939–951, 954–955, 959–961, 92222, \n92227, 92231–92233, 92243–92244, 92249–92251, 92257, 92259, 92266, 92273, 92275, 92281, 92283, 92328, 92384, 92389, 93013–93014, 93067, 93512–93515, 93517, 93522, 93526, 93529–93530, 93541–93542, 93545–93546, 93549, 95646, 95724, 95728"]
[]
["California DHMO Rate Area Definitions"]
["Region 1 and Region 2",null,null,"Region 3"]
["Los Angeles",null,null,"Alameda","Mariposa","San Francisco"]
["Orange",null,null,"Contra Costa","Riverside","San Mateo"]
[null,null,null,"Fresno","San Bernardino","Santa Clara"]
[null,null,null,"Kern","San Diego","Ventura"]
["Region 4",null,null,"Region 5"]
["Alpine","Marin","San Luis Obispo","Butte","Mendocino","Siskiyou"]
["Amador","Merced","Santa Barbara","Del Norte","Modoc","Sutter"]
["Calaveras","Monterey","Sierra","Glenn","Mono","Tehama"]
["Colusa","Napa","Solano","Humboldt","San Benito","Trinity"]
["El Dorado","Nevada","Sonoma","Lake","Santa Cruz","Yuba"]
["Imperial","Placer","Stanislaus","Lassen","Shasta"]
["Inyo","Plumas","Tuolumne"]
["Kings","Sacramento","Tulare"]
["Madera","San Joaquin","Yolo"]
[]
["SIC Level Classifications"]
["Level 1 Eligible Industries"]
["Advertising \n(except Misc., not classified 7319)",null,"7311-7313","Hospitals",null,"8062-8069"]
["Agriculture, Forestry, Fishing \n(except seasonal employees)",null,"0100-0999","Independent Auto Repair and Services",null,"7532-7599"]
["Auto Rental Agencies",null,"7513-7519","Laundry/Garment Service/Show Repair Services",null,"7211-7219, \n7251"]
["Automobile Parking Services",null,7521,"Manufacturing \n(except Jewelry Manufacturing)",null,"2000-2699"]
["Building Maintenance / Equipment Rental",null,"7349-7359","Manufacturing \n(Chemicals, Allied and Other)",null,"2810-3999"]
["Collection Agencies and Credit Reporting Services",null,"7322-7323","Mining, Oil and Gas Extraction",null,"1000-1499"]
["Communication \n(Radio, Telephone, TV/Radio Broadcasting)",null,"4800-4899","Miscellaneous Repair \n(Welding, etc)",null,"7692-7699"]
["Community Services Organizations / Social Services",null,"8300-8499","New Syndicates",null,7383]
["Computer Programming and Other Computer Services",null,"7371-7379","Photofinishing Labs",null,7384]
["Construction Contractors",null,"1500-1799","Printing and Publishing",null,"2700 - 2799"]
["Direct Mailing, Reproduction, Secretarial Services",null,"7331-7338","Public Administration \n(Cities, Counties, Police, etc)",null,"9000-9720, \n9722-9998"]
["Disinfecting and Pest Control Services",null,7342,"Retail",null,"5200-5510, \n5610-5699, \n5712-5736, \n5912-5999, "]
["Government Funded Groups   ",null,"8300-8499","Public and Private Schools \n(Elmentary and High School)",null,"8200-8299"]
["Electrical Repair \n(Radio, TV, A/C, Refrigerator)",null,"7622-7629","Security Systems, Detectives, Armored Car",null,"7381-7382"]
["Engineering and Management Services",null,"8711-8748","Transportation",null,"4000-4799"]
["Finance \n(Banks, Securities, Credit Agencies)",null,"6000-6299","Utilities",null,"4900-4999"]
["Funeral Services and Crematories",null,7261,"Wholesale Trade",null,"5000-5199"]
["Furniture Repair/Reupholstery",null,7641,"Museum Art Galleries and Gardens  ",null,"8412, 8422"]
["Misc. Computer Services          ",null,7379]
["Level 2 Eligible Industries"]
["Advertising \n(Miscellaneous, not classified)",null,7319,"Medical Groups",null,"8000-8059,\n8082-8099,"]
["Automobile Dealerships",null,"5511-5599","Photographic Studios",null,7221]
["Amusement, Recreation, and Entertainment",null,"7800-7999","Restaurants",null,"5088-5899"]
["Hotels",null,"7000-7099","Tax Return Preparation Services/\nMisc. Personal Svcs",null,"7291-7299"]
["Insurance Carriers/Brokers",null,"6300-6499","Real Estate",null,"6500-6799"]
["Jewelry Manufacturing",null,"3911-3915","Religious Organizations \n(Admin. And Mgmt. staff only)",null,8661]
["Legal",null,"8100-8199","Watch, Clock and Jewelry Repair",null,7631]
["Management Carve-out \n(any industry)  ",null,9999]
["Ineligible Industries"]
["Associations and Trusts1",null,"8600-8660, \n8662-8699,","Professional Employer Organizations (PEO)",null,7361]
["Beauty and Barber Shops",null,"7231-7241","Religious Organizations \n(except Churches #8661)   ",null,"No SIC"]
["International Affairs",null,9721,"Private Households",null,8811]
["Dental Offices, Dental Labs, and Medical Labs",null,"8021, 8071, 8072","Partnerships",null,"No SIC"]
["Employment Agencies",null,"7361-7363","Seasonal Employees \n(Christmas/Part-time Help)",null,"No SIC"]
["Groups with high turnover2",null,"Varies","Seasonal Employees \n(Agriculture)",null,"0761-0783"]
["Miscellaneous Business Services",null,7389,"Miscellaneous Services not classified elsewhere",null,8999]
["1  Management and administrative staff of associations and trusts are eligible at Level 2.  Use SIC Code 9999."]
["2 A business has high turnover if 20% or more of the average number of its employees during the past 12 months were newly hired for reasons other than the growth of the business."]

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[]
[]
[]
[]
[]
[]
["Company Information"]
["Company Name:",null,null,null,null,null,null,null,{"$f":"IF(H12=\"Yes\",,\"Must have a minimum of 2 enrolled for Good plan\")","v":"Must have a minimum of 2 enrolled for Good plan"}]
["Effective Date:","Select your effective date",null,null,null,null,null,null,{"$f":"IF(H13=\"Yes\",,\"Must have a minimum of 5 enrolled for Better and Best plans\")","v":"Must have a minimum of 5 enrolled for Better and Best plans"}]
[]
["Employees","Select your group size",null,"Number of Single",null,0,{"$f":"IF(GroupSize>4,5,\"2-4\")","v":"2-4"}]
["Region","Select your CA DHMO Region",null,"Number of Two Party",null,0,{"$f":"SUM(F11+F12+F13)","v":0},{"$f":"IF(SUM(G12)>1,\"Yes\",\"No\")","v":"No"}]
["Life Amount2","Standard Life Amount",null,"Number of Three Party+",null,0,{"$f":"SUM(F11+F12+F13)","v":0},{"$f":"IF(SUM(G13)>4,\"Yes\",\"No\")","v":"No"}]
[]
["Cost Comparison"]
[]
[{"$f":"CONCATENATE(B12,B13)","v":"Select your CA DHMO RegionStandard Life Amount"},null,"Good",null,"Better",null,"Best"]
[]
["Single",null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,2,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,5,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,8,FALSE)","v":0}]
["Two Party",null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,3,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,6,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,9,FALSE)","v":0}]
["Three Party+",null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,4,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,7,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_HMO,10,FALSE)","v":0}]
["Total Cost",null,{"$f":"SUM((C19*F11)+(C20*F12)+(C21*F13))","v":0},null,{"$f":"SUM((E19*F11)+(E20*F12)+(E21*F13))","v":0},null,{"$f":"SUM((G19*F11)+(G20*F12)+(G21*F13))","v":0}]
["Percent Difference between Good, Better and Best",null,null,null,{"$f":"SUM(E22-C22)/C22","v":{"$error":"#DIV/0!"}},null,{"$f":"SUM(G22-E22)/E22","v":{"$error":"#DIV/0!"}}]
["Benefit Comparison"]
[]
[null,null,"Good",null,"Better",null,"Best"]
[null,null,"In Network","Out of Network","In Network","Out of Network","In Network","Out of Network"]
["DHMO Dental - Delta Dental",null,"DeltaCare USA"]
["Calendar Maximum",null,"None",null,null,null,"None"]
["Deductible",null,"None",null,null,null,"None"]
["Diagnostic & Preventive \nExams, x-rays, cleanings, and flouride treatments",null,"Exams, x-rays, cleanings, and flouride treatments",null,null,null,"No cost"]
["Basic Restorative",null,"Fillings (amalgan cost per surface)",null,null,null,"No cost"]
["Periodontics",null,"Scaling and Root planing",null,null,null,"$50 copay"]
["Endodontics",null,"Root canal – anterior (excluding final restoration)\nRoot canal – molar (excluding final restoration)",null,null,null,"$95 copay\n$335 copay"]
["Oral Surgery",null,"Extraction, erupted tooth or exposed root\nSurgical removal of erupted tooth requiring removal of bone or sectioning of tooth\nRemoval of impacted tooth – completely boney",null,null,null,"$5 copay\n$45 copay\n$95 copay"]
["Prosthodontics",null,"Crown – porcelain fused to high noble metal; full cast high noble metal\nComplete denture – maxillary\nMaxillary partial denture – resin base",null,null,null,"$355 copay\n$285 copay\n$245 copay"]
["Orthodontics",null,"Child\nAdult",null,null,null,"$1,900 copay\n$2,100 copay"]
["Vision - Vision Service Plan"]
["Annual Copayment",null,"$25 exam/$25 materials",null,"$10 exam/$25 materials",null,"$10 exam/$25 materials"]
["Eye Exam",null,"Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45"]
["Single-vision Lenses",null,"Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30"]
["Bifocal Lenses",null,"Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50"]
["Trifocal Lenses",null,"Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65"]
["Frames",null,"$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70"]
["Contact Lenses",null,"$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105"]
[null,null,"Good",null,"Better",null,"Best"]
["Vision-Frequency"]
["Eye Exam",null,"12 months",null,"12 months",null,"12 months"]
["Lenses",null,"24 months",null,"12 months",null,"12 months"]
["Frames",null,"24 months",null,"24 months",null,"12 months"]
["Contact Lenses \n(in lieu of lenses and a frame)",null,"24 months",null,"12 months",null,"12 months"]
["Life - UNUM"]
["Basic Group Term Life \nwith AD&D and EAP",null,{"$f":"IF($B$13=\"Standard Life Amount\",\"$15,000 policy\",$B$13)","v":"$15,000 policy"},null,{"$f":"IF($B$13=\"Standard Life Amount\",\"$20,000 policy\",$B$13)","v":"$20,000 policy"},null,{"$f":"IF($B$13=\"Standard Life Amount\",\"$25,000 policy\",$B$13)","v":"$25,000 policy"}]
["1  2-year rate guarantee.\n2 Employers with 10 or more enrolling employees have the option of substituting the standard group term life policy amounts with either a $50,000, $100,000 or $150,000 policy for an additional charge."]
["Presented by"]
["**Enter your contact information here.**",null,null,null,null,"License #"]
["This document is not meant to replace a quote and does not include all exclusions, limitations or program guidelines. While the information and rates provided here are believed to be accurate as of the print date, they are subject to change without notice. For the most up-to-date information, contact CoPower. CoPower ONE plans are not available to groups currently insured with UNUM.\n"]

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[]
[]
[]
[]
[]
[]
[]
["Company Information"]
["Company Name:",null,null,null,null,null,null,null,null,null,{"$f":"IF(J14=\"Yes\",,\"Must have a minimum of 2 enrolled for Good plan\")","v":"Must have a minimum of 2 enrolled for Good plan"}]
["Effective Date:","Select your effective date",null,null,null,null,null,null,null,null,{"$f":"IF(J15=\"Yes\",,\"Must have a minimum of 5 enrolled for Better, Better Plus and Best plans\")","v":"Must have a minimum of 5 enrolled for Better, Better Plus and Best plans"}]
[]
["Employees","Select your group size"]
["Region","Select your CA PPO Region",null,null,"Number of Single",null,0,null,{"$f":"IF(GroupSize>4,5,\"2-4\")","v":"2-4"}]
["SIC Level","Select your SIC Level",null,null,"Number of Two Party",null,0,null,{"$f":"SUM(G13+G14+G15)","v":0},{"$f":"IF(SUM(I14)>1,\"Yes\",\"No\")","v":"No"}]
["Life Amount2","Standard Life Amount",null,null,"Number of Three Party+",null,0,null,{"$f":"SUM(G13+G14+G15)","v":0},{"$f":"IF(SUM(I15)>4,\"Yes\",\"No\")","v":"No"}]
[]
["Cost Comparison"]
[]
[{"$f":"CONCATENATE(B13,B14,B15,I13)","v":"Select your CA PPO RegionSelect your SIC LevelStandard Life Amount2-4"},{"$f":"SUM(CPPPO_EECheck)","v":0},"Good",null,"Better",null,"Better Plus",null,"Best"]
[]
["Single",null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,2,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,5,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,8,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,11,FALSE)","v":0}]
["Two Party",null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,3,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,6,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,9,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,12,FALSE)","v":0}]
["Three Party+",null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,4,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,7,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,10,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_Selection,List_RateTable_PPO,13,FALSE)","v":0}]
["Total Cost",null,{"$f":"SUM((C21*G13)+(C22*G14)+(C23*G15))","v":0},null,{"$f":"SUM((E21*G13)+(E22*G14)+(E23*G15))","v":0},null,{"$f":"SUM((G21*G13)+(G22*G14)+(G23*G15))","v":0},null,{"$f":"SUM((I21*G13)+(I22*G14)+(I23*G15))","v":0}]
["Percent Difference between Good, Better and Best",null,null,null,{"$f":"SUM(E24-C24)/C24","v":{"$error":"#DIV/0!"}},null,{"$f":"SUM(G24-E24)/C24","v":{"$error":"#DIV/0!"}},null,{"$f":"SUM(I24-E24)/E24","v":{"$error":"#DIV/0!"}}]
["Benefit Comparison"]
[]
[null,null,"Good",null,"Better",null,"Better Plus",null,"Best"]
[null,null,"In Network","Out of Network","In Network","Out of Network","In Network","Out of Network","In Network","Out of Network"]
["Dental - Delta Dental",null,"Delta Dental PPO3",null,null,null,"Delta Dental PPO + Premier4"]
["Calendar Maximum",null,"$1,000","$750","$1,500","$1,250","$1,500","$1,250","$2,000","$1,500"]
["Deductible",null,"$50","$75","$50","$75","$50","$75","$50","$75"]
["Deductible Waived for Diagnostic & Preventive",null,"Yes","No","Yes","No","Yes","No","Yes"]
["Diagnostic and\nPreventive Services",null,"100%","50%","100%","80%","100%","80%","100%"]
["Basic, Oral Surgery, \nEndodontics and Periodontics",null,"80%","50%","80%",null,"80%",null,"80%"]
["Major Services",null,"50%",null,"50%",null,"50%",null,"50%"]
["Orthodontics-Children Only\n(Available to groups 5+ enrolled)",null,"Not available",null,"50% lifetime max $1,000",null,"50% lifetime max $1,000",null,"50% lifetime max $1,000"]
["Vision - Vision Service Plan"]
["Annual Copayment",null,"$25 exam/$25 materials",null,"$10 exam/$25 materials",null,"$10 exam/$25 materials",null,"$10 exam/$25 materials"]
["Eye Exam",null,"Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45"]
["Single-vision Lenses",null,"Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30"]
["Bifocal Lenses",null,"Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50"]
["Trifocal Lenses",null,"Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65"]
["Frames",null,"$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70"]
["Contact Lenses",null,"$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105"]
["Vision-Frequency"]
["Eye Exam",null,"12 months",null,"12 months",null,"12 months",null,"12 months"]
["Lenses",null,"24 months",null,"12 months",null,"12 months",null,"12 months"]
["Frames",null,"24 months",null,"24 months",null,"24 months",null,"12 months"]
["Contact Lenses \n(in lieu of lenses and a frame)",null,"24 months",null,"12 months",null,"12 months",null,"12 months"]
[null,null,"Good",null,"Better",null,"Better Plus",null,"Best"]
["Life - UNUM"]
["Basic Group Term Life \nwith AD&D and EAP",null,{"$f":"IF($B$15=\"Standard Life Amount\",\"$15,000 policy\",$B$15)","v":"$15,000 policy"},null,{"$f":"IF($B$15=\"Standard Life Amount\",\"$20,000 policy\",$B$15)","v":"$20,000 policy"},null,{"$f":"IF($B$15=\"Standard Life Amount\",\"$20,000 policy\",$B$15)","v":"$20,000 policy"},null,{"$f":"IF($B$15=\"Standard Life Amount\",\"$25,000 policy\",$B$15)","v":"$25,000 policy"}]
["1 2-year rate guarantee.   "]
["2 Employers with 10 or more enrolling employees have the option of substituting the standard group term life policy amounts with either a $50,000, $100,000 or $150,000 policy for an additional charge."]
["3 Delta Dental PPO: All dentists (in- and out-of-network) are reimbursed at the lesser of the submitted charge or the PPO provider allowed fee."]
["4 Delta Dental PPO + Premier: PPO dentists are reimbursed at the lesser of the submitted charge or the PPO provider allowed fee. Delta Dental Premier dentists are reimbursed at the lesser of the submitted charge or the Premier provider allowed fee. Non-contracted dentists are reimbursed at the lesser of the submitted charge or the fee that satisfies the majority of dentists with the same training and geographical area."]
[]
["Presented by"]
["**Enter your contact information here.**",null,null,null,null,null,null,"License #"]
["This document is not meant to replace a quote and does not include all exclusions, limitations or program guidelines. While the information and rates provided here are believed to be accurate as of the print date, they are subject to change without notice. For the most up-to-date information, contact CoPower. CoPower ONE plans are not available to groups currently insured with UNUM.\n"]

{"sheet":"CoPower One PPO+HMO Comparison","index":3,"n_rows":77,"n_cols":15,"rows_kept":77,"cut":false,"hidden":false,"merged":[[7,3,7,9],[17,3,17,9],[30,3,30,9],[7,0,7,2],[20,2,20,3],[20,4,20,5],[24,8,24,9],[25,0,25,1],[25,2,25,3],[25,4,25,5],[19,4,19,5],[24,0,24,1],[26,0,26,1],[26,2,26,3],[19,8,19,9],[20,0,20,1],[20,8,20,9],[26,4,26,5],[28,6,28,7],[23,2,23,3],[29,4,29,5],[25,6,25,7],[26,6,26,7],[21,2,21,3],[15,10,17,10],[8,10,9,10],[14,4,14,5],[12,1,12,3],[13,1,13,3],[12,10,14,10],[16,0,16,9],[12,4,12,5],[13,4,13,5],[8,1,8,9],[17,0,17,2],[14,1,14,3],[15,1,15,3],[70,0,70,9],[64,8,64,9],[65,0,65,1],[75,0,75,6],[64,2,64,3],[64,4,64,5],[47,2,47,8],[9,1,9,2],[32,2,32,3],[32,4,32,5],[36,0,36,1],[32,6,32,7],[38,8,38,9],[22,0,22,1],[22,2,22,3],[22,4,22,5],[20,6,20,7],[19,6,19,7],[19,2,19,3],[21,0,21,1],[63,6,63,7],[65,8,65,9],[61,0,61,1],[59,0,59,1],[81,8,81,9],[82,8,82,9],[83,8,83,9],[76,0,76,9],[77,8,77,9],[78,8,78,9],[79,8,79,9],[6,0,6,9],[80,8,80,9],[66,0,66,1],[67,0,67,1],[67,2,67,3],[67,4,67,5],[27,0,27,1],[63,8,63,9],[67,8,67,9],[64,0,64,1],[67,6,67,7],[63,0,63,1],[63,2,63,3],[63,4,63,5],[73,3,73,9],[74,0,74,9],[73,0,73,2],[62,0,62,1],[62,2,62,3],[62,4,62,5],[62,8,62,9],[62,6,62,7],[56,0,56,1],[57,0,57,1],[58,0,58,1],[60,0,60,1],[45,0,45,1],[46,0,46,1],[51,0,51,1],[50,0,50,1],[52,0,52,1],[47,0,47,1],[54,2,54,3],[54,4,54,5],[55,0,55,1],[54,8,54,9],[52,8,52,9],[52,4,52,5],[54,0,54,1],[54,6,54,7],[52,6,52,7],[37,8,37,9],[53,0,53,1],[27,2,27,3],[27,4,27,5],[49,2,49,8],[50,2,50,8],[42,0,42,1],[51,2,51,8],[43,2,43,8],[44,0,44,1],[46,2,46,8],[48,2,48,8],[45,2,45,8],[44,2,44,8],[48,0,48,1],[49,0,49,1],[35,0,35,1],[27,8,27,9],[43,0,43,1],[34,0,34,1],[34,2,34,5],[39,0,39,1],[37,0,37,1],[41,0,41,1],[41,2,41,3],[41,4,41,5],[40,0,40,1],[40,2,40,3],[40,4,40,5],[22,6,22,7],[23,6,23,7],[11,1,11,3],[39,8,39,9],[21,8,21,9],[22,8,22,9],[23,8,23,9],[26,8,26,9],[25,8,25,9],[27,6,27,7],[29,8,29,9],[28,0,28,1],[28,2,28,3],[28,4,28,5],[30,0,30,2],[28,8,28,9],[75,7,75,9],[21,4,21,5],[65,2,65,3],[65,4,65,5],[64,6,64,7],[65,6,65,7],[52,2,52,3],[71,0,71,9],[68,0,68,9],[69,0,69,9],[42,2,42,9],[41,8,41,9],[39,4,39,5],[32,8,32,9],[34,6,34,9],[40,8,40,9],[39,6,39,7],[40,6,40,7],[38,0,38,1],[23,0,23,1],[29,0,29,3],[23,4,23,5],[21,6,21,7],[41,6,41,7]]}
[]
[]
[]
[]
[]
[]
[]
["Company Information"]
["Company Name:",null,null,null,null,null,null,null,null,null,{"$f":"IF(J16=\"Yes\",,\"Dual Choice requires a minimum of 4 enrolled. \")","v":"Dual Choice requires a minimum of 4 enrolled. "}]
["Effective Date:","Select your effective date"]
[]
["Employees","Select your group size",null,null,null,null,"PPO","DHMO"]
["PPO Region","Select your CA PPO Region",null,null,"Number of Single",null,0,0,{"$f":"IF(SUM(G13:G15)<2,\"0\",\"1\")","v":"0"},{"$f":"IF(SUM(G13:G15)<5,\"0\",\"1\")","v":"0"},{"$f":"IF(I15=\"Yes\",,\"CoPower ONE Good: Dual Choice requires a minimum of 2 enrolled in both the DHMO and PPO option.\")","v":"CoPower ONE Good: Dual Choice requires a minimum of 2 enrolled in both the DHMO and PPO option."}]
["DHMO Region","Select your CA DHMO Region",null,null,"Number of Two Party",null,0,0,{"$f":"IF(SUM(H13:H15)<2,\"0\",\"1\")","v":"0"},{"$f":"IF(SUM(H13:H15)<2,\"0\",\"1\")","v":"0"}]
["SIC Level","Select your SIC Level",null,null,"Number of Three Party+",null,0,0,{"$f":"IF(SUM(I13+I14)>=2,\"Yes\",\"No\")","v":"No"},{"$f":"IF(SUM(J13+J14)>=2,\"Yes\",\"No\")","v":"No"}]
["Life Amount3","Standard Life Amount",null,null,{"$f":"IF(GroupSize_Dual>4,5,\"2-4\")","v":"2-4"},{"$f":"SUM(GroupSize_Dual+H16)","v":0},{"$f":"SUM(G13+G14+G15)","v":0},{"$f":"SUM(H13+H14+H15)","v":0},null,{"$f":"IF(SUM(G16+H16)>3,\"Yes\",\"No\")","v":"No"},{"$f":"IF(J15=\"Yes\",,\"CoPower ONE Better, Better Plus, and Best: Dual Choice requires a minimum of 5 enrolled in PPO and 2 enrolled in the DHMO option.\")","v":"CoPower ONE Better, Better Plus, and Best: Dual Choice requires a minimum of 5 enrolled in PPO and 2 enrolled in the DHMO option."}]
["."]
["Cost Comparison"]
[]
[{"$f":"CONCATENATE(B13,B15,B16,E16)","v":"Select your CA PPO RegionSelect your SIC LevelStandard Life Amount2-4"},{"$f":"CONCATENATE(B14,B16)","v":"Select your CA DHMO RegionStandard Life Amount"},"Good",null,"Better",null,"Better Plus",null,"Best"]
["PPO Enrollment"]
["Single",null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,2,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,5,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,8,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,11,FALSE)","v":0}]
["Two Party",null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,3,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,6,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,9,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,12,FALSE)","v":0}]
["Three Party+",null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,4,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,7,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,10,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionPPO,List_RateTable_PPO,13,FALSE)","v":0},null,null,{"$f":"IF(SUM($G$13:$G$15)>0,SUM(($G$13*C22)+($G$14*C23)+($G$15*C24)),0)","v":0},{"$f":"IF(SUM($G$13:$G$15)>0,SUM(($G$13*E22)+($G$14*E23)+($G$15*E24)),0)","v":0},{"$f":"IF(SUM($G$13:$G$15)>0,SUM(($G$13*G22)+($G$14*G23)+($G$15*G24)),0)","v":0},{"$f":"IF(SUM($G$13:$G$15)>0,SUM(($G$13*I22)+($G$14*I23)+($G$15*I24)),0)","v":0}]
["DHMO Enrollment"]
["Single",null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,2,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,5,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,5,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,8,FALSE)","v":0}]
["Two Party",null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,3,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,6,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,6,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,9,FALSE)","v":0}]
["Three Party+",null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,4,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,7,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,7,FALSE)","v":0},null,{"$f":"VLOOKUP(AreaSIC_SelectionHMO,List_RateTable_HMO,10,FALSE)","v":0},null,null,{"$f":"IF(SUM($H$13:$H$15)>0,SUM(($H$13*C26)+($H$14*C27)+($H$15*C28)),0)","v":0},{"$f":"IF(SUM($H$13:$H$15)>0,SUM(($H$13*E26)+($H$14*E27)+($H$15*E28)),0)","v":0},{"$f":"IF(SUM($H$13:$H$15)>0,SUM(($H$13*G26)+($H$14*G27)+($H$15*G28)),0)","v":0},{"$f":"IF(SUM($H$13:$H$15)>0,SUM(($H$13*I26)+($H$14*I27)+($H$15*I28)),0)","v":0}]
["Total Cost",null,{"$f":"SUM(L24+L28)","v":0},null,{"$f":"SUM(M24+M28)","v":0},null,{"$f":"SUM(N24+N28)","v":0},null,{"$f":"SUM(O24+O28)","v":0}]
["Percent Difference between Good, Better and Best",null,null,null,{"$f":"SUM(E29-C29)/C29","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"SUM(I29-E29)/E29","v":{"$error":"#DIV/0!"}}]
["Benefit Comparison"]
[]
[null,null,"Good",null,"Better",null,"Better Plus",null,"Best"]
[null,null,"In Network","Out of Network","In Network","Out of Network","In Network","Out of Network","In Network","Out of Network"]
["PPO Dental - Delta Dental",null,"Delta Dental PPO4",null,null,null,"Delta Dental PPO + Premier 5"]
["Calendar Maximum",null,"$1,000","$750","$1,500","$1,250","$1,500","$1,250","$2,000","$1,500"]
["Deductible*",null,"$50","$75","$50","$75","$50","$75","$50","$75"]
["Deductible Waived for Diagnostic & Preventive",null,"Yes","No","Yes","No","Yes","No","Yes"]
["Diagnostic and\nPreventive Services",null,"100%","50%","100%","80%","100%","80%","100%"]
["Basic, Oral Surgery, \nEndodontics and Periodontics",null,"80%","50%","80%",null,"80%",null,"80%"]
["Major Services",null,"50%",null,"50%",null,"50%",null,"50%"]
["Orthodontics-Children Only\n(Available to groups 5+ enrolled)",null,"Not available",null,"50% lifetime max $1,000",null,"50% lifetime max $1,000",null,"50% lifetime max $1,000"]
["DHMO Dental - Delta Dental",null,"DeltaCare USA"]
["Calendar Maximum",null,"None",null,null,null,null,null,null,"None"]
["Deductible",null,"None",null,null,null,null,null,null,"None"]
["Diagnostic & Preventive ",null,"Exams, x-rays, cleanings, and flouride treatments",null,null,null,null,null,null,"No cost"]
["Basic Restorative",null,"Fillings (amalgan cost per surface)",null,null,null,null,null,null,"No cost"]
["Periodontics",null,"Scaling and Root planing",null,null,null,null,null,null,"$50 copay"]
["Endodontics",null,"Root canal – anterior (excluding final restoration)\nRoot canal – molar (excluding final restoration)",null,null,null,null,null,null,"$95 copay\n$335 copay"]
["Oral Surgery",null,"Extraction, erupted tooth or exposed root\nSurgical removal of erupted tooth requiring removal of bone or sectioning of tooth\nRemoval of impacted tooth – completely boney",null,null,null,null,null,null,"$5 copay\n$45 copay\n$95 copay"]
["Prosthodontics",null,"Crown – porcelain fused to high noble metal; full cast high noble metal\nComplete denture – maxillary\nMaxillary partial denture – resin base",null,null,null,null,null,null,"$355 copay\n$285 copay\n$245 copay"]
["Orthodontics",null,"Child\nAdult",null,null,null,null,null,null,"$1,900 copay\n$2,100 copay"]
[null,null,"Good",null,"Better",null,"Better Plus",null,"Best"]
["Vision - Vision Service Plan"]
["Annual Copayment",null,"$25 exam/$25 materials",null,"$10 exam/$25 materials",null,"$10 exam/$25 materials",null,"$10 exam/$25 materials"]
["Eye Exam",null,"Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45","Covered after copayment","Reimbursed \nup to $45"]
["Single-vision Lenses",null,"Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30","Covered in full","Reimbursed\nup to $30"]
["Bifocal Lenses",null,"Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50","Covered in full","Reimbursed \nup to $50"]
["Trifocal Lenses",null,"Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65","Covered in full","Reimbursed\nup to $65"]
["Frames",null,"$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70","$150 allowance","Reimbursed \nup to $70"]
["Contact Lenses",null,"$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105","$150 allowance","Reimbursed\nup to $105"]
["Vision-Frequency"]
["Eye Exam",null,"12 months",null,"12 months",null,"12 months",null,"12 months"]
["Lenses",null,"24 months",null,"12 months",null,"12 months",null,"12 months"]
["Frames",null,"24 months",null,"24 months",null,"24 months",null,"12 months"]
["Contact Lenses \n(in lieu of lenses and a frame)",null,"24 months",null,"12 months",null,"12 months",null,"12 months"]
["Life - UNUM"]
["Basic Group Term Life \nwith AD&D and EAP",null,{"$f":"IF($B$16=\"Standard Life Amount\",\"$15,000 policy\",$B$16)","v":"$15,000 policy"},null,{"$f":"IF($B$16=\"Standard Life Amount\",\"$20,000 policy\",$B$16)","v":"$20,000 policy"},null,{"$f":"IF($B$16=\"Standard Life Amount\",\"$20,000 policy\",$B$16)","v":"$20,000 policy"},null,{"$f":"IF($B$16=\"Standard Life Amount\",\"$25,000 policy\",$B$16)","v":"$25,000 policy"}]
["1 Groups of 4 may elect CoPower ONEGood, with 2 enrolled employees on the PPO plan and a minimum of 2 on DeltaCare USA. Dual Choice with CoPower ONE Better, Better Plus, and Best plans requires a minimum of 5 enrolled emplolyees on the PPO plan and a minimum of 2 on DeltaCare USA. Bundles cannot be mixed. CoPower ONE Good PPO will pair with CoPower ONE Good HMO. Better Plus PPO will pair with Better HMO. \n2 2-year rate guarantee"]
["3 Employers with 10 or more enrolling employees have the option of substituting the standard group term life policy amounts with either a $50,000, $100,000 or $150,000 policy for an additional charge"]
["4 Delta Dental PPO: All dentists (in- and out-of-network) are reimbursed at the lesser of the submitted charge or the PPO provider allowed fee."]
["\n5 Delta Dental PPO + Premier: PPO dentists are reimbursed at the lesser of the submitted charge or the PPO provider allowed fee. Delta Dental Premier dentists are reimbursed at the lesser of the submitted charge or the Premier provider allowed fee. Non-contracted dentists are reimbursed at the lesser of the submitted charge or the fee that satisfies the majority of dentists with the same training and geographical area."]
[]
["Presented by"]
[]
["**Enter your contact information here.**",null,null,null,null,null,null,"License #"]
["This document is not meant to replace a quote and does not include all exclusions, limitations or program guidelines. While the information and rates provided here are believed to be accurate as of the print date, they are subject to change without notice. For the most up-to-date information, contact CoPower. CoPower ONE plans are not available to groups currently insured with UNUM.\n"]

{"sheet":"Lists","index":4,"n_rows":123,"n_cols":16,"rows_kept":123,"cut":false,"hidden":true,"merged":[[97,4,97,6],[97,7,97,9],[97,10,97,12],[92,4,92,6],[92,7,92,9],[92,10,92,12],[0,10,0,12],[92,13,92,15],[0,4,0,6],[0,7,0,9],[0,13,0,15]]}
["List_Area_PPO","List_SIC",null,"List_RateTable_PPO","GOOD",null,null,"BETTER",null,null,"BETTER PLUS",null,null,"BEST"]
["Select your CA PPO Region","Select your SIC Level",null,"Region 21Standard Life Amount5",46,85,128,57,108,178,63,118,197,78,146,239]
["Region 1",1,null,"Region 22Standard Life Amount5",53,98,148,66,124,205,72,138,231,90,169,278]
["Region 2",2,null,"Region 11Standard Life Amount5",45,80,121,56,101,168,63,113,188,76,138,228]
[null,null,null,"Region 12Standard Life Amount5",52,93,141,65,118,195,71,131,220,88,161,264]
[]
[null,null,null,"Region 21Enhanced Life $50,0005",{"$f":"SUM(E2+$E$94)","v":55.8},94.8,137.80000000000001,{"$f":"SUM(H2+$H$94)","v":65.400000000000006},116.4,186.4,{"$f":"SUM(K2+$H$94)","v":71.400000000000006},126.4,205.4,{"$f":"SUM(N2+$K$94)","v":85},153,246]
[null,null,null,"Region 22Enhanced Life $50,0005",62.8,107.8,157.80000000000001,74.400000000000006,132.4,213.4,80.400000000000006,146.4,239.4,97,176,285]
[null,null,null,"Region 11Enhanced Life $50,0005",54.8,89.8,130.80000000000001,64.400000000000006,109.4,176.4,71.400000000000006,121.4,196.4,83,145,235]
[null,null,null,"Region 12Enhanced Life $50,0005",61.8,102.8,150.80000000000001,73.400000000000006,126.4,203.4,79.400000000000006,139.4,228.4,95,168,271]
[]
["List_EffDate","List_LifeAmounts",null,"Region 21Enhanced Life $100,0005",{"$f":"SUM(E2+$E$95)","v":69.8},108.8,151.80000000000001,{"$f":"SUM(H2+$H$95)","v":79.400000000000006},130.4,200.4,{"$f":"SUM(K2+$H$95)","v":85.4},140.4,219.4,{"$f":"SUM(N2+$K$95)","v":99},167,260]
["Select your effective date","Standard Life Amount",null,"Region 22Enhanced Life $100,0005",76.8,121.8,171.8,88.4,146.4,227.4,94.4,160.4,253.4,111,190,299]
["1/1/20","Enhanced Life $50,000",null,"Region 11Enhanced Life $100,0005",68.8,103.8,144.80000000000001,78.400000000000006,123.4,190.4,85.4,135.4,210.4,97,159,249]
["2/1/20","Enhanced Life $100,000",null,"Region 12Enhanced Life $100,0005",75.8,116.8,164.8,87.4,140.4,217.4,93.4,153.4,242.4,109,182,285]
["3/1/20","Enhanced Life $150,000"]
["4/1/20",null,null,"Region 21Enhanced Life $150,0005",{"$f":"SUM(E2+$E$96)","v":83.8},{"$f":"SUM(F2+$E$96)","v":122.8},165.8,{"$f":"SUM(H2+$H$96)","v":93.4},144.4,214.4,{"$f":"SUM(K2+$H$96)","v":99.4},154.4,233.4,{"$f":"SUM(N2+$K$96)","v":113},181,274]
["5/1/20",null,null,"Region 22Enhanced Life $150,0005",90.8,135.80000000000001,185.8,102.4,160.4,241.4,108.4,174.4,267.39999999999998,125,204,313]
["6/1/20",null,null,"Region 11Enhanced Life $150,0005",82.8,117.8,158.80000000000001,92.4,137.4,204.4,99.4,149.4,224.4,111,173,263]
["7/1/20",null,null,"Region 12Enhanced Life $150,0005",89.8,130.80000000000001,178.8,101.4,154.4,231.4,107.4,167.4,256.39999999999998,123,196,299]
["8/1/20"]
["9/1/20",null,null,"Region 21Standard Life Amount2-4",49,91,137,0,0,0,0,0,0,0,0,0]
["10/1/20",null,null,"Region 22Standard Life Amount2-4",57,106,160,0,0,0,0,0,0,0,0,0]
["11/1/20",null,null,"Region 11Standard Life Amount2-4",49,86,131,0,0,0,0,0,0,0,0,0]
["12/1/20",null,null,"Region 12Standard Life Amount2-4",57,101,153,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Region 21Enhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 22Enhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
["List_Area_HMO","List_EligibleEEs",null,"Region 11Enhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
["Select your CA DHMO Region","Select your group size",null,"Region 12Enhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
["Region 1 & 2","2-9 Employees"]
["Region 3","10-99 Employees",null,"Region 21Enhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
["Region 4",null,null,"Region 22Enhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
["Region 5",null,null,"Region 11Enhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 12Enhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Region 21Enhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 22Enhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 11Enhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 12Enhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[]
[]
[]
[]
[]
[]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelStandard Life Amount5",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Standard Life Amount5",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Standard Life Amount5",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelEnhanced Life $50,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Enhanced Life $50,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Enhanced Life $50,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelEnhanced Life $100,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Enhanced Life $100,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Enhanced Life $100,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelEnhanced Life $150,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Enhanced Life $150,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Enhanced Life $150,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelStandard Life Amount5",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelEnhanced Life $50,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelEnhanced Life $100,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelEnhanced Life $150,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelStandard Life Amount5",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelEnhanced Life $50,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelEnhanced Life $100,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelEnhanced Life $150,0005",0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelStandard Life Amount2-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Standard Life Amount2-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Standard Life Amount2-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelEnhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Enhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Enhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelEnhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Enhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Enhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO RegionSelect your SIC LevelEnhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region1Enhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA PPO Region2Enhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelStandard Life Amount2-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelEnhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelEnhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 2Select your SIC LevelEnhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelStandard Life Amount2-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelEnhanced Life $50,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelEnhanced Life $100,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,"Region 1Select your SIC LevelEnhanced Life $150,0002-4",0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,"Enhanced Life Rates","GOOD",null,null,"BETTER",null,null,"BEST",null,null,"BETTER PLUS"]
[null,null,null,"$50,000",9.8000000000000007,null,null,8.4,null,null,7,null,null,8.4]
[null,null,null,"$100,000",23.8,null,null,22.4,null,null,21,null,null,22.4]
[null,null,null,"$150,000",37.799999999999997,null,null,36.4,null,null,35,null,null,36.4]
[]
[null,null,null,"List_RateTable_HMO","GOOD (2-99)",null,null,"BETTER (5-99)",null,null,"BEST (5-99)"]
[null,null,null,"Region 1 & 2Standard Life Amount",27,41,59,31,46,66,35,50,73]
[null,null,null,"Region 3Standard Life Amount",29,45,65,33,50,73,37,54,79]
[null,null,null,"Region 4Standard Life Amount",31,47,69,35,52,76,39,57,82]
[null,null,null,"Region 5Standard Life Amount",71,113,166,75,118,173,78,122,179]
[]
[null,null,null,"Region 1 & 2Enhanced Life $50,000",{"$f":"SUM(E99+$E$94)","v":36.799999999999997},{"$f":"SUM(F99+$E$94)","v":50.8},68.8,{"$f":"SUM(H99+$H$94)","v":39.4},54.4,74.400000000000006,{"$f":"SUM(K99+$K$94)","v":42},57,80]
[null,null,null,"Region 3Enhanced Life $50,000",38.799999999999997,54.8,74.8,41.4,58.4,81.400000000000006,44,61,86]
[null,null,null,"Region 4Enhanced Life $50,000",40.799999999999997,56.8,78.8,43.4,60.4,84.4,46,64,89]
[null,null,null,"Region 5Enhanced Life $50,000",80.8,122.8,175.8,83.4,126.4,181.4,85,129,186]
[]
[null,null,null,"Region 1 & 2Enhanced Life $100,000",{"$f":"SUM(E99+$E$95)","v":50.8},64.8,82.8,{"$f":"SUM(H99+$H$95)","v":53.4},68.400000000000006,88.4,{"$f":"SUM(K99+$K$95)","v":56},71,94]
[null,null,null,"Region 3Enhanced Life $100,000",52.8,68.8,88.8,55.4,72.400000000000006,95.4,58,75,100]
[null,null,null,"Region 4Enhanced Life $100,000",54.8,70.8,92.8,57.4,74.400000000000006,98.4,60,78,103]
[null,null,null,"Region 5Enhanced Life $100,000",94.8,136.80000000000001,189.8,97.4,140.4,195.4,99,143,200]
[]
[null,null,null,"Region 1 & 2Enhanced Life $150,000",{"$f":"SUM(E99+$E$96)","v":64.8},78.8,96.8,{"$f":"SUM(H99+$H$96)","v":67.400000000000006},82.4,102.4,{"$f":"SUM(K99+$K$96)","v":70},85,108]
[null,null,null,"Region 3Enhanced Life $150,000",66.8,82.8,102.8,69.400000000000006,86.4,109.4,72,89,114]
[null,null,null,"Region 4Enhanced Life $150,000",68.8,84.8,106.8,71.400000000000006,88.4,112.4,74,92,117]
[null,null,null,"Region 5Enhanced Life $150,000",108.8,150.80000000000001,203.8,111.4,154.4,209.4,113,157,214]
[]
[]
[null,null,null,"Select your CA DHMO RegionStandard Life Amount",0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA DHMO RegionEnhanced Life $50,000",0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA DHMO RegionEnhanced Life $100,000",0,0,0,0,0,0,0,0,0]
[null,null,null,"Select your CA DHMO RegionEnhanced Life $150,000",0,0,0,0,0,0,0,0,0]