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Strategic Relationship Agreement

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Date:
2003
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84K
ID:
#184377

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                        STRATEGIC RELATIONSHIP AGREEMENT

     This  STRATEGIC  RELATIONSHIP  AGREEMENT  ("Agreement") is made and entered
into  this  7th  day of April, 2003, by and between Health Net, Inc., a Delaware
corporation  ("Health  Net")  and SafeGuard Health Enterprises, Inc., a Delaware
corporation  ("SafeGuard").

                                    RECITALS
                                    --------

     WHEREAS,  Health  Net, through its Subsidiaries, is authorized to offer the
Health  Net  Products  (as defined herein) for sale in the Territory (as defined
herein);

     WHEREAS,  SafeGuard  desires  to make the Health Net Products available for
sale  by  the  SafeGuard  Marketing  Force (as defined herein) in the Territory;

     WHEREAS,  Health  Net  is willing to make the Health Net Products available
for  sale  in  the  Territory  by  the  SafeGuard  Marketing  Force;

     WHEREAS,  SafeGuard  through  its  Subsidiaries  is authorized to offer the
SafeGuard  Dental  Products  (as  defined  herein)  for  sale  in the Territory;

     WHEREAS,  SafeGuard  is willing to make the Health Net Branded Products (as
defined herein) available for sale by the Health Net Marketing Force (as defined
herein)  in  the  Territory;  and

     WHEREAS,  pursuant to the Purchase and Sale Agreement by and between Health
Net  and SafeGuard dated April 7, 2003, Health Net and SafeGuard agreed to enter
into a strategic relationship agreement at the Closing to promote and facilitate
the  sale  of Health Net Branded Products through the Health Net Marketing Force
and  the  sale  of  Health  Net  Products through the SafeGuard Marketing Force.

     NOW  THEREFORE, in consideration of the mutual agreements contained herein,
the  sufficiency  of  which  is hereby acknowledged, and in consideration of the
performance  by  the  parties  of  their  obligations  under this Agreement, the
parties  agree  as  follows:

                                    ARTICLE I
                                   DEFINITIONS
                                   -----------

     Capitalized  terms  used  in this Agreement and not otherwise defined shall
have  the  meanings  given  such  terms in the Purchase and Sale Agreement.  For
purposes  of  this  Agreement,  the  following  terms  shall  have  the meanings
specified  below (definitions are applicable to both the singular and the plural
form  of  each  term  defined  herein).

     "Ancillary  SafeGuard  Products"  means dental HMO products, dental PPO and
      ------------------------------
dental  indemnity  products developed by SafeGuard with benefit designs and rate
structures  that  differentiate such products from the SafeGuard Dental Products
offered  generally  by  SafeGuard


                                      -1-

in the Territory and which shall be sold exclusively by the Health Net Marketing
Force  only  to  Health  Net  Clients.

     "Benchmark  Products"  means  those  SafeGuard  Dental  Products  that  are
      -------------------
determined  by  the  parties  to be materially similar to the Health Net Branded
Products  as  of  the  Effective  Date.

     "Branding"  shall  have  the  meaning  set  forth  in  Section  2.7.
      --------

     "Change  of Control" means the acquisition, in a single transaction or in a
      -------------------
series  of related transactions, by a person, an entity or a group of persons or
entities  acting  in  concert  of  fifty-one percent (51%) or more of the voting
securities of a party, or fifty-one percent (51%) or more of the aggregate value
of  the  assets  of  a  party.

     "Contractholder"  means  an  employer or individual in the Territory who or
      --------------
which  executes  an  enrollment agreement with respect to any Product subject to
this  Agreement.

     "Dispute"  shall  have  the  meaning  set  forth  in  Section  9.1.
      -------

     "Eligible  Employee" means an employee who is eligible to enroll in a group
      ------------------
Product  issued  to  a  Contractholder.

     "Effective  Date" means the Closing Date of the Purchase and Sale Agreement
      ---------------
by  and  between  Health  Net  and  SafeGuard  dated  as  of  April  7,  2003.

     "Health  Net  Branded  Products"  means  SafeGuard  dental  HMO  Products,
      ------------------------------
SafeGuard dental PPO Products or SafeGuard dental indemnity Products selected by
Health  Net  to  market  through the Health Net Marketing Force in the Territory
after  the  Effective  Date  with  the  Branding  of  Health  Net  and  issued,
underwritten  and  administered  by  either  SafeGuard  Health  Plans,  Inc.  or
SafeHealth  Insurance  Company.

     "Health  Net  Clients"  shall  have  the  meaning set forth in Section 2.1.
      --------------------

     "Health  Net  Dental Products" means the dental HMO Products offered in the
      -----------------------------
Territory  as  of  the Effective Date by Health Net Dental, Inc., the dental PPO
Product  offered in Oregon by Health Net Health Plan of Oregon, Inc., the dental
indemnity  Product  offered  in  Arizona  by Health Net of Arizona, Inc. and the
dental  PPO  and  dental  indemnity  Products offered in the Territory as of the
Effective  Date  by  Health  Net  Life  Insurance  Company.

     "Health  Net  Indemnities" shall have the meaning set forth in Section 8.1.
      ------------------------

     "Health  Net  Marketing  Force"  means  (i)  employees of Health Net or its
      -----------------------------
Subsidiaries who are licensed in one or more states within the Territory to sell
Products  in any state within the Territory; (ii) any agents under contract with
any Health Net Subsidiary who or which are licensed in one or more states within
the  Territory  and  authorized  to  sell  Products  on behalf of any Health Net
Subsidiary  in any of the states within the Territory; and (iii) any independent
brokers  who or which are licensed in one or more states within the Territory to


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