2022 Holiday Catalog

Earn 4% on 2023 business sold & yet-to-come

Surpass the ELITE Broker Bonus Program max potential of 3%, and bring home 4% of everything you’ve sold or sell in 2023.

Influential voice to PCBG’s future

You’ll have a direct line of input to PrimeCare Benefits Group (PCBG) through the year, culminating in Las Vegas, with a strategic roundtable discussion event.

Special invitation to the Zurich Classic Open

Experience this famous NOLA golf event at our suite this April, then play with a PGA TOUR professional.

Plus! An exclusive trip to Las Vegas

Whether you like the shows, the lights or the gaming, take in all the excitement of Las Vegas as we celebrate the success of 2023.

believe it.

Reserved for the most elite performers, our Preferred Partners are producers who pursue excellence in everything. To access opportunities and earn exclusive rewards of this invitation-only program, they commit to an annual...

$500,000 in premium.

Preferred Partners Program

Exclusive program reserved for top-line producers.

Welcome to our home

Appropriate care

We sit down with the president of PCBG to understand what makes this approach to business so appealing to everyone involved.

Most Popular

The Max Roll Forward benefit is a feature your clients are sure to want all year long.

Individual dental plans for NV

No waiting periods. No deductibles. No maximums. No lie!

Merry and BrightSmiles

Features and highlights of BrightSmile group dental plans.

Grand Prize for Producers

Special chance to win - for our brokers and general agencies.

13 Here’s why everybody’s so stressed.

More importantly, here’s what you can do about it.....

Welcome to fabulous Managed Care

These plans sparkle brighter than freshly fallen snow on a midnight clear...

Check out what’s inside...

I’ll be home (shopping) for Christmas Shop for eyewear online, or stick with tradition and hit the store.

04 *See pg. 25 for important information.

Bucky Beaver’s coming to town!

Meet BRUSHA, our premier dental clinic on wheels...

Most Popular

The Tandem Plan grants the wish of all who wear contacts (or want to!). Find out how...

Do you see what I see?

The (not so) secret recipe to vision plan success is sweeter than Mom’s sugar cookies!

¡Felices fiestas! Setting the gold standard in customer care.

Most Popular Ding dong merrily on HYBRID - this dental plan has everything to keep members singing happily.

“Your wish at Christmas” A holiday poem of 20 dreams come true.

ELITE Broker Bonus Program

The very definition of “bonus” means to reward good performance. Do you qualify?

Welcome to our home

It’s the time of year when families and friends gather to give thanks and celebrate time-honored traditions. We reflect on the past year, cherish the present moment and look to the bright future ahead.

In 2022, BrightBenefits and Nevada-based PrimeCare Ben efits came together to form Primecare Benefits Group, Inc (PCBG), now serving 1 million members nationwide. Like Santa pulling toys from his pack, PCBG can deliver PPO den tal plans, managed care dental plans, vision plans powered by the country’s top networks, and ASO services - just tell us what you want, and our team of sales and underwriting toymakers can build just what you need.

Scan or tap this code to read the press release about BrightBenefits and PrimeCare!

PPO Dental

BrightBenefits PPO dental plans are for groups of nearly any size and use the popular, nationwide Maximum Care Plus Con nection Dental Network from Careington. In Nevada, we have developed our own extensive network of participating dentists throughout the state to provide choice to our members.

Managed care plans

Lucky, lucky Las Vegas has access to managed care plans by Nevada Dental Benefits (NDB) which providers, groups and members all love. For those throughout the rest of Nevada, NDB can also offer PPO!

Vision plans

BrightBenefits vision plans are powered by VSP, Davis Vision and Superior Vision and can be customized for groups of 1,000+.

Administrative Services Only (ASO)

For large groups (500+ dental, 1,000+ vision) who want to take the risk themselves, let’s talk ASO for dental and vision plans through PrimeCare Administrators.

APPROPRIATE CARE

Healh-centric business model for dental plan programs

sured, the PrimeCare approach sets parameters that ensure appropriate care. It helps build trusting, long-term relation ships between patients and dentists.

Why is appropriate care important for members?

What is the “appropriate care model”?

First and foremost dental insurance, in any of its forms, helps to eliminate the financial obsta cle to achieve and maintain optimal oral health. It’s important that patients trust their dentist to recommend and perform the procedures that are truly needed. Through a unique model of claims analysis, system processes and general education to the dental offices and to the in

The relationship between over all health and oral health is an intimate one. We want to make certain that procedures per formed contribute to that goal of overall health. The whole focus of this program is mem ber health - making sure they receive the care that is medically necessary and prioritized as such. Secondarily, but also critically important is the potential for significant savings to plan sponsors and members.

Fred L. Horowitz, DMD President, PrimeCare Benefits Group

We sat down with the president of PrimeCare to talk about the appropriate care model - why it is popular among dentists, how it benefits members and what the future holds for this member-health approach to insurance.

How do dentists generally respond to this?

Dentists react well and truly de sire to participate in the wellbeing of their patients. While cosmetic procedures are important to indi vidual patients, teaching them that the health of their dentition and supporting structures is job #1 for dentists. We get to support that.

Are there restrictions on what groups can take advantage of the appropriate care model?

Absolutely not - all members de serve the best possible care, so the model is fully integrated into all of our dental plan benefit programs.

What are PCBG’s future plans for this business model?

As we learn more about the science of health, we’ll continue to improve upon it.

Scan or tap the code if you’d like to talk with us about appropriate care and how it can deliver results for your book of business.

The PCBG Appropriate Care Model has provided the basis for our company to deliver, year after year, predicable financial results for our clients, while meeting the primary goal of helping our members achieve optimal oral health care.

1

Max Roll Fwd.

CRITERIA

Exam and cleaning at least once/ yr. Claims for the yr. must be less than half the plan max.

When the benefit you rolled forward from last year helps you out today.

Every year brings new adventures and unforeseen challenges. The Maximum Roll Forward benefit is designed to help plan for those times when members need a little more dental coverage. On years with low claims costs, members can carry over 25% of the maxi mum into the next year1, so long as benefit criteria are met.

Scan or tap the code for info. on this Most Popular item!

ROLLOVER AMOUNT 25% of the unused annual max

TIME TO USE

Roll benefit dollars forward for up to 5 years

PERFECT FOR

Those who want to build a safety net over the next few years for when more expensive care may be needed.

It’s the most wonderful time of the year...

01 Be Well

preventive

diagnostic services don’t count toward the annual max, or one that covers oral cancer screenings. For cer tain health conditions, plans may allow up to four clean ings a year - ask us about all our healthy add-ons.

You can do your part to spread peace on earth (or at least among your clients) by including a Max Roll Forward1 feature, teledentistry benefit or even implant coverage -make it easy for members to plan and get the care they need now or in the future.

Personalize

Match an existing plan, bump the annual max to $5K or the adult/ child ortho to $2.5K, present endo/perio/oral surgery as type II, offer reimbursement up to the 95th percentile...make it personal, make it special, make it unique..... just like the monogrammed bath robes you got for Grandma and Grandpa.

04

it Make it easy Bundle up

Baby, it’s cold outside! Be sure to bundle up - when BrightSmile is sold along with a Bright Vision plan, groups with 25+ get a 2-year rate guarantee.

The Grand Prize for Brokers presented in this catalog is: Brokers who sell at least five groups of 25+ enrolled will be entered into a drawing for $5,000 to be paid by check in April 2023. General agencies are not eligible for this grand prize, though a broker who sells through a GA is permitted.

General agencies who sell at least 15 groups of 25+ enrolled will be entered into a drawing for $5,000 to be paid by check to the agency in April 2023. Individual brokers are not eligi ble for this grand prize.

Viva Nevada Dental Benefits!

Within the Las Vegas market, and a bit throughout the state, our “NDB” plans sparkle brighter than freshly fallen snow on a midnight clear. Local providers appreciate the connection to patients, members trust they are receiving the right treatment, and everybody loves a fair price.

USA/NEVADA

NV/LAS VEGAS

14

Don’t get your tinsel in a tangle over network access

Managed care connects dentists

it keeps services and procedures affordable for employers and for members, and it helps ensure ap propriate care is delivered in the right way, at the right time. Of course, the key to making a managed care plan successful is staying within the net work, where the savings are. To be adequately served, there should be 3.33 dentists per 10K people - the NDB nework in Las Vegas delivers 16.7 dentists per 10K members.

I’LL BE HOME (SHOPPING) FOR CHRISTMAS

Online and in-network (varies by product)

Depending on their plan, members can buy prescription contacts or glasses with their benefit online and use insurance to cover costs at checkout.

With virtual try-on tools and filters for a real-time shopping experi ence, buyng the perfect pair of glasses online is more fun than dashing through the snow!

It’s more fun than dashing through the snow!

befitting.com glasses.com 1800contacts.com visionworks.com eyeconic.com5

Eye exam? Check. Glasses? Check. Contacts? Also check!

That’s right - what makes the Tandem Plan a “Most Popular” item is its over all comfort coverage. Get eyeglasses AND contact lenses in the same plan year. Available in the Davis Vision, Su perior Vision and VSP product lines5, members can cash in on a $130 frame allowance, in addition to a $130 con tact lens allowance. Plus, because the exam, glasses and contacts frequen cies are all 12 months, it’s joyously easy to maximize the benefit.

Scan the code for information on this Most Popular item!

PERFECT FOR

networks - Davis Vision, Superior Vision and VSP® Vision Care5.

customers

01 BrightVision

Even Frosty the Snowman, with his eyes made out of coal, found the perfect plan!

The namesake product, BrightVision is powered by Davis Vision, an industry expert with a history in lens manufacturing. Because of that, a unique feature of the BrightVision product is all lens enhancements feature fixed pricing (lens options may not be available from all provider locations). Fixed pricing on lenses helps deliv er the lowest out-of-pocket experience pos sible for members. Plus, the plans also cover scratch coating, tint and kids polycarbonate lenses. Also contributing to the low member cost is the access to the Davis Vision Exclusive Collection of Frames - there are fully-covered options in every plan, which means $0 spent on frames6. And there is a 1-year breakage warranty (FREE) on plan frames (limitations apply). Rounding out the lowest out-of-pocket cost available, is the enhanced frame allow ance at Visionworks. When members take their BrightVision plan to a Visionworks store, they get an extra $50 to spend on frames7

They say three is a magic number. At BrightBenefits, we couldn’t agree more! The vision product line is powered by three of the country’s top vision

Whether

want a low member out-of-pocket experience, a variety of optical retailers online and in-store, or an expansive network of independent eye care providers, you’re sure to find something for everyone with BrightVision.

POWERED BY: DAVIS VISION

DO YOU SEE WHAT I SEE?

02 BrightVision Expanded

With over 118,000 points of access to care (2022), and possibly more network retail ers than anyone, BrightVision Expanded, powered by Superior Vision, may reach more parts of the country than Santa on Christmas Eve. Top retailers like LensCraft ers, Target, Costco, Sam’s Club, America’s Best and CVS are all in-network. Members have peace of mind when it comes to cost, too. BrightVision Expanded offers 20% off any amount over the frame/contact lens allowance, plus extra protection from digi tal screens with a $15 Blue Light filter lens upgrade9.

03 BrightVision Essential

BrightVision Essential is powered by VSP. Plans in this product line cover added well ness benefits like those in the Diabetic Eye care Plus ProgramSM. This plan allows mem bers to receive additional follow-up medical eye care services from network doctors. Members with diabetes who do not have diabetic eye disease receive a covered-infull retinal screening (digital imaging of the inside of the eye). If a member does have di abetic eye disease, glaucoma, or age-related macular degeneration, they can also receive additional services that track and monitor diabetic eye disease progression, follow-up medical eye exams deemed necessary by their network doctor, an additional eye exam with refraction for changes in vision due to diabetes medication(s).

All plans across all products give the gift of retinal imaging at a max of $39, the ability to shop online and apply the benefit at checkout, healthy out-of-network reimbursements, Tandem Plans (pg. 18) and discounts on additional pairs of glasses.

POWERED BY: SUPERIOR VISION

POWERED BY: VSP

“I travel all over the world for work, mainly at night... often in snow...so needless to say, I couldn’t be looking at my screen; I had to CALL someone for assistance. When what to my wondering ears should appear but a live representative speaking friendly and clear. I didn’t have to press 0 to hear the options again or repeat myself in a voice activated menu. I thought, ‘could that be a real person, a right jolly old elf? ‘Tis!’ And I laughed when I heard him, in spite of myself. He helped me under stand the coverage the Mrs. and I have, and he even helped me find a provider - all by phone.”

Ding dong merrily on

A personalized experience is HIGH on everyone’s gift list (ok - maybe people want it all year long). This is a “Most Popular” item because it delivers peace in disruption. Most of the time, people go to the dentist for cleanings and exams, which are diagnostic & preventive (D&P) servic es. Whether a dentist is in-network or not, D&P is fully-covered8! Basic and major services (like root canals, fillings and extractions) are significantly less out-of-pocket when performed by a participating network provider. Scan or tap the code for info. on this Most Popular item! *The Hybrid plan is not a MAC plan; it is a PPO plan.

Dental and vision product availability and restrictions vary by state. Group size restrictions, participation requirements, plan limitations and exclusions apply to all products. If differences exist between this document and any plan contract, the contract will prevail.

Davis Vision, Superior Vision and VSP® Vision Care are third party administrators for BrightBenefits vision plans. Policy form number NVIGRP 2020, NVIGRP-DV 2019 (Davis Vision), or NVIGRP-SV 2019 (Superior Vision).

Administrative Services Only (ASO) plans are available through PrimeCare Administrators and are not insurance plans.

Nevada Dental Benefits managed care plans are underwritten by Nevada Dental Benefits. All other products are underwritten by National Guardian Life Insurance Company, Madison, WI. Policy form series NDNGRP 2020. National Guardian Life Insurance Company is not affiliated with the Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. NGL products are not available in New Mexico. For agent use only.

NOTED FOOTNOTES AND DISCLAIMERS

1. Rollover amount applied in March of the following year. $2,000 rollover maximum. Limitations and exclusions apply.

2. Individual dental plan is a Nevada Dental Benefits managed care product, underwritten by Nevada Dental Benefits.

3. The Maximum Care Plus Connection Dental Network is provided by Careington International Corporation. Provider count valid February 2022.

4. Everplans is not an insured benefit and is available for purchase outside of BrightBenefits. Statistics provided by Everplans.

5. VSP, Eyeconic and eyeconic.com are registered trademarks of Vision Service Plan. VSP Diabetic Eyecare Plus Program is a servicemark of Vision Service Plan. All other brands or marks are the property of their respective owners.

6. Fully-covered frames are available through the Davis Vision Exclusive Frame Collection at participating provider locations.

7. Excludes Maui Jim® eyewear.

8. The plan pays non-network providers up to the allowable price, which are based off member’s ZIP code and reasonable & cus tomary prices by FAIRHealth. Member is responsible for amount owed beyond allowable price at non-network locations.

9. Value-added service, not an insured benefit.

PREFERRED PARTNERS PROGRAM

An invitation by PrimeCare Benefits Group and a commitment to sell $500,000 in combined dental/vision premium in 2023 is required to participate.

$500,000 sold dental/vision premium between Jan. 1-Dec. 31, 2023 is required.

Participant must provide transportation to/from destination; accomo dations and food/beverage will be provided.

ELITE BROKER BONUS PROGRAM

Group Guidelines

New group sales shall be defined as: new group (employee and dependents) whose initial BrightBenefits enrollment is effective between January 1, 2023 and December 31, 2023.

Broker eligibility

Participating brokers must be in good standing with a valid license, signed broker contract and required appointment(s) with Nation al Guardian Life Insurance Company and/or PrimeCare Benefits Group.

General agents are excluded from participation; credit from group business submitted via a general agent will be credited to the indi vidual broker.

Program guidelines, terms and conditions

Program terms and conditions

To be credited, a broker must be the broker of record at the time of the effective date.

Annualized premium totals will be based on December, 2023 earned premiums which will be used to compute bonus payouts.

Payments will be reported on ERISA Form 5500, Schedule A section 3(c) as other fees and 1099.

Bonus totals are determined 60 days after the end of the program.

BrightBenefits will issue bonus payments in March 2024.

Broker bonuses shall be payable in addition to commission and any other promotional offer or program BrightBenefits may initiate, unless otherwise stated.

In the event a bonus was paid to the broker and not earned (i.e. any qualifying Large Group that cancels or is cancelled, e.g., for non-payment of premium, during the first twelve consecutive (12) months of plan term), one hundred percent (100%) of the unearned bonus will be subject to chargeback. This means the paid bonus will be offset against current or future bonuses and commissions paya ble to the broker until the chargeback is fully recovered.

BrightBenefits/PrimeCare Benefits Group reserves the right to change or terminate this program, as a whole or in part, at any time.

HOLIDAY PROMOTION

The Holiday Promotion presented in this catalog is:

For every group a broker sells with 25-50 enrolled, they get a $250 gift card.

For every group with 51-100 enrolled, they get a $500 gift card.

For every group with 101-500 enrolled, they get a $750 gift card.

For every group with 501+ enrolled, they get a $1,000 gift card.

Gift card payout will occur after group effective date(s).

Individual brokers are eligible to participate. General agencies are not eligible, though a broker who sells through a GA is permitted.

Dental-only and dental/vision groups qualify. Vision-only groups do not qualify. Qualifying groups must be quoted and effective between 10/01/2022 and 03/01/2023.

BrightBenefits reserves the right to change or terminate holiday promotions, as a whole or in part, at any time.

$5000 GRAND PRIZE FOR BROKERS

The Grand Prize for Brokers presented in this catalog is: Brokers who sell at least five groups of 25+ enrolled will be entered into a drawing for $5,000 to be paid by check in April 2023.

Individual brokers are eligible to participate. General agencies are not eligible, though a broker who sells through a GA is permitted. Dental-only, vision-only and dental/vision groups qualify. Qualify ing groups must be quoted and effective between 10/01/2022 and 03/01/2023.

BrightBenefits reserves the right to change or terminate this grand prize, as a whole or in part, at any time.

$5000 GRAND PRIZE FOR GENERAL AGENCIES (GA)

The Grand Prize for GA’s presented in this catalog is: GA’s who sell at least 15 groups of 25+ enrolled will be entered into a drawing for $5,000 to be paid by check in April 2023.

General agencies are eligible to participate. Individual brokers are not eligible for this drawing. Dental-only, vision-only and dental/vi sion groups qualify. Qualifying groups must be quoted and effective between 10/01/2022 and 03/01/2023.

BrightBenefits reserves the right to change or terminate this grand prize, as a whole or in part, at any time.

Earn up to 3% on annualized premium for new group sales effective in 2023.

The sky is the limit on your earning potential with BrightBenefits’ ELITE Bonus Programyour bonus grows as your book of business grows, with no cap on premium or payout. All new groups sold effective January 1, 2023 through December 31, 2023 qualify.

Contact your BrightBenefits representative, as additional promotions or incentives may apply. See reverse for rules and conditions.

1.0% $200,000 - $399,999

1.5% $400,000 - $599,999

2.0% $600,000 - $799,999 2.5% $800,000 - $999,999 3.0% $1,000,000+

Bonus will be paid in one sum, March 2024

BrightBenefits info@brightbenefits.com www.brightbenefits.com

Look for the toys within these pages to find special gifts that await you. Holiday Promotion for brokers who sell groups quoted and effective between October 1, 2022 and March 1, 2023. See page 25 for details.