* Rate paid by employer for participant not selecting a medical plan. PPO and EPO rates include
choice of Standard or PPO Dental.
** Employees covered with a medical plan pay the difference in cost for the High Option PPO Dental. 
*** Employer cost remains the same regardless of the incentives earned by  the employee.
****Incentives do not apply to dental only and vision coverage.
***** Participants in the MedAdvantage Plan pay the entire cost for dental.