See Inside for More Details and Informa on on these new benefits

Transcription

1 Employee Benefit Booklet

2 2 * Aetna Health Reimbursement Account (HRA) group health plan In 2013, more than half of the FPG associates covered on the Aetna FPG health plan had less than $500 in medical claims. That is good news! This year, FPG is offering a new health plan with a health reimbursement account with FPG commi ng up to $500 (or $1,000 for associates with covered dependents) in health claims reimbursement. What does this mean? With this new HRA plan, many Aetna FPG plan members will have no claims to pay this year except Rx copays. What if...i am not one of those who has less than $500 in claims? What if I have a large hospital bill? If I get a cri cal illness? What if I have an accident and get injured? This year we are offering a few other programs that can be used to fill the gap that so many health plans leave uncovered. * Trustmark Cancer/Cri cal Illness Plan This plan is Guaranteed Issue (no medical evalua on) and pays the owner of the policy up to $15,000 cash if diagnosed with a cri cal illness or cancer. This plan will pay a wellness benefit of $100 if you get the age appropriate cancer screenings, too. * APL Hospital Indemnity Plan This plan is also Guaranteed Issue and pays the owner of the policy $1,000 the first day of hospitaliza on to help offset out of pocket expenses. This plan will pay a wellness of $75, too. * Trustmark Accident Plan This plan is not new, but we want to remind our associates it pays the owner of the policy cash for injuries sustained in an accident to offset out of pocket expenses. This plan will also pay a $100 wellness benefit up to 2 mes per year. See Inside for More Details and Informa on on these new benefits

3 Overview 3 Table of Contents Overview 2 Medical 4-9 Cancer/Cri cal Illness 10 Hospital Indemnity 11 Accident 12 Life Insurance & Long Term Care 13 Term Life Insurance Short Term Disability 16 Long Term Disability 17 Dental Vision 20 Aetna Member Website 21 Notes & Ques ons 22 Important Contacts 23 WELCOME TO OPEN ENROLLMENT FOR YOUR 2014 BENEFITS! Thank you for your me today. Willis is honored to present your 2014 Benefit Op ons! The elec ons you make during open enrollment will become effec ve May 1, Family Physicians Group offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the me to educate yourself about your op ons and choose the best coverage for you and your family. Who is Eligible? Full me W-2 employees working at least 30 hours each week for at least 60 days. When can I Enroll? You may enroll for benefits when you first become eligible a er your wai ng period (1st day of the month following 60 days of full- me FPG employment) or each year during open enrollment in the month of April. The benefits you elect will be effec ve from May 1, 2014 through April 30, If you decline coverage or fail to make an elec on of a coverage during this open enrollment meframe, you may not be able to make a new or different elec on un l next year s open enrollment. How do I Enroll? Explain My Benefits will again be on-site this year, to guide each team member, individually, through the enrollment process. Just as last year, each team member will meet with a Benefit Counselor from Explain My Benefits individually on-site and make all elec ons/changes to your benefits on our online enrollment system. When you are scheduled to meet with a Benefits Counselor, if you are enrolling a spouse or dependent children, please don t forget to bring your dependent SS# and DOB.

4 Medical 4 Beginning May 1, 2014, Aetna will again be partnering with Family Physicians Group to provide our group medical plan. We want you to live a long, healthy and produc ve life! FPG is working with Aetna to ensure that all medical plan covered team members and covered dependents par cipate with our Wellness Program. For team members who complete the Healthy Steps, FPG is awarding reduced payroll deduc ons. Aetna and Trustmark also have cash incen ves built in when FPG associates follow the simple healthy behaviors and get their preven ve health exams (see page 12 for details). When performed by a physician in the Aetna health network, these exams are covered by our Aetna group medical plan at 100% with no copayment required and are important to the health of each one of us as well as the health of our medical plan. Look for these dollar signs throughout the benefit guide for various ways to save money! DEPENDENTS You may also elect coverage for your dependents in some circumstances. Eligible dependents may include the following: Your Legal Spouse Dependent Children: Dependent child who is supported primarily by you, or who is incapable of self-sustaining employment by reasons of mental or physical handicap (proof of their condi on and dependence must be submi ed) Medical - Dependent children up to age 26 regardless of financial dependency, residency, student status, employment or mar al status. Coverage terminates the end of the calendar year the dependent child turns 26. Individuals whose coverage ended, or who were denied coverage (or were not eligible for coverage), because the availability of dependent coverage of children ended before a ainment of age 26 are eligible to enroll in health insurance coverage. Individuals may request enrollment for such children within 30 days of receiving this handout. The coverage will be effec ve 1st of the month following the eligibility period. For more informa on contact FPG Benefits at Beyond the age of 26, the dependent must be unmarried and not have dependents of his or her own; be a resident of Florida or a Student, AND not have coverage as a named subscriber, insured, enrollee or covered person under any other group, blanket or franchise health insurance policy or individual health benefits plan, or is not en tled to benefits under Medicare. Coverage will be extended un l the 30th birthday.

5 Medical 5 FAMILY PHYSICIAN GROUP OFFICE VISIT CO-PAY WAIVER PROGRAM If you enroll in an FPG Medical plan, you will be en tled to all medical services provided by FPG, up to two (2) visits per month, as follows: For each FPG team member who is enrolled in the Aetna HNO plan, your co-pay will be waived for FPG provided services. For each FPG team member who is enrolled in the new HRA plan, FPG provided services will be at no cost to you. You can use one or both of these visits for any covered dependents on the FPG medical plan. HEALTHCARE TERMS Copay: A specific dollar amount that you must pay for a specific service at the me when you receive the service. Deduc ble: A dollar amount you are responsible for before the plan will make any benefit payments. Each year, your deduc ble starts over (January 1st). You are only responsible for sa sfying your deduc ble one me per year. Coinsurance: A method of cost-sharing between the member and the insurance carrier for your benefit expenses. If you have 30% coinsurance, then you pay 30% of your eligible expenses and the carrier pays the remaining 70%. The coinsurance begins a er your deduc ble has been sa sfied. Out of Pocket Maximum: The maximum amount you will be required to pay for your benefits, a er which the plan will pay 100% of covered expenses. Your deduc ble, coinsurance and in some instances copays apply towards your Out of Pocket Maximum. Health Reimbursement Account (HRA): An account or agreement between the health plan sponsor (FPG) and covered plan members. The agreement is a promise to pay an approved health plan claim. For FPG employees, the account value is up to $500 per covered employee and up to $1,000 per covered employee with eligible dependents, per plan year. The HRA can be used to cover in network Aetna approved health plan expenses. The HRA does not cover out of network expenses, wellness (covered by Aetna at 100%) or prescrip on drugs. For prescrip on drugs, plan members s ll have the Aetna prescrip on card and copayments. (see Medical benefit summary on page 7)

6 Medical Health Insurance Op ons for GET IN STEP with the FPG healthy steps, pay less and con nue along a path to improved health and wellness! There are new programs to help you this year. They are outlined in this booklet and in s you have been receiving. In addi on to the new plan booklets summarizing benefits for , meet with the Explain My Benefits enrollment counselors to help make an informed decision for Health insurance premiums keep going up and have increased for FPG has taken steps to offset this increase by offering some new products, addi onal choices, and highligh ng a new health and wellness plan from Aetna. The same health plan we had last year, Aetna HNO, is s ll available but at a higher premium. Our new, lower cost health plan is a consumer driven health plan from Aetna, called an HRA plan. What is the new HRA plan? FPG is commi ng a Health Reimbursement Account (HRA) of up to $500 for a single covered employee and up to $1,000 for an employee who is also covering eligible dependents to help cover medical expenses that fall under the deduc ble. If you choose the HRA plan, upon comple on of the required Wellness steps, FPG will deposit these funds into an account for you. You will be able to use these funds to pay for medical expenses such as office visits, specialists, etc. With the HRA plan, there is no copay except for prescrip on drugs (see benefit summary on page 7). All medical services like office visits, surgery, hospitaliza on, etc. will be subject to the deduc ble first. A er the deduc ble is met, the health plan will pay 70% of medical expenses un l out-of-pocket maximum is reached, then 100%. All preven ve services are covered at 100% on all health plan op ons. You MUST complete the 3 Healthy Steps by July 15, 2014 to receive the HRA deposit and the discounted premium. What are the Wellness steps? FPG encourages our associates as well as our pa ents to make be er choices and take be er care of their health. Taking personal steps to maintain or improve our health is not only the right thing to do, it is less expensive! Everyone has the right to decline to par cipate. If you do not complete these steps, you will not get the HRA money or the discounted premium. The 2014 Steps to Wellness are: 1. Biometric screening/fas ng lab work from Quest. For quick and eaxy service, use the Quest scheduling tool and make an early morning appointment. There are over 50 Quest loca ons between The Villages and Kissimmee. Your results are confiden al. Individual results are given only to you from Quest in the My 5 to Health report. 2. Complete the Aetna Online Risk Assessment. We did this last year; many FPG associates answered honestly and we learned a great deal about what health risks we have at FPG. Thank you! The results are confiden al (Aetna is not allowed to tell us your answers, only whether you did the survey or not). This is the same as last year and can be completed by logging into And, if you complete an online health challenge, Aetna offers a $50 gi card. 3. A end the Metabolic Health in Small Bytes coaching program. Details on how to enroll will follow. The goal for FPG employees, just like our FPG pa ents, is to raise awareness of Metabolic health and help everyone become healthier in 2014! Check out page 8 for more details. Please watch your very closely throughout April 2014, as we will be sending various communica ons regarding new programs and wellness features for plan year. If you have any ques ons, please contact Lynn Schrader at lschrader@fpg-florida.com.

7 Medical 7 Calendar Year Deduc ble NEW $500/$1000 HRA Plan Aetna HNO Plan Aetna Execu ve Plan In Network In Network In Network Plan Member Deduc ble and Coinsurance Single $2,000 $1,000 $500 Family $4,000 $2,000 $1,000 Coinsurance 30% 30% 10% Calendar Year Out-of-Pocket Limit Plan Member Cost Limit Single $3,500 $3,500 $2,000 Family $7,000 $7,000 $4,000 Physician Services Plan Member Cost of Service PCP Office Visits Member pays 30% a er $45 copay; ded waived $30 copay; ded waived Specialist Visits deduc ble; plan pays 70% $45 copay; ded waived $50 copay; ded waived Preven ve Care Plan Member Cost of Service Well Child Care No charge; ded waived No charge; ded waived No charge; ded waived Rou ne Adult Physical Exam No charge; ded waived No charge; ded waived No charge; ded waived Well Woman/GYN Exam No charge; ded waived No charge; ded waived No charge; ded waived Mammograms No charge; ded waived No charge; ded waived No charge; ded waived Hospital Services Inpa ent Outpa ent Emergency Room Member pays 30% a er deduc ble; plan pays 70% Plan Member Cost of Service $500 copay then Member pays 30% a er deduc ble; plan pays 70% $250 copay then Member pays 30% a er deduc ble; plan pays 70% Plan Member Cost of Service 10% a er deduc ble 10% a er deduc ble Emergency Room Member pays 30% a er $300 copay; ded waived $200 copay; ded waived Urgent Care Center deduc ble; plan pays 70% $50 copay; ded waived $50 copay; ded waived Diagnos c X-ray/Lab Plan Member Cost of Service Diagnos c Lab Facility No charge; ded waived 10% a er deduc ble Member pays 30% a er Diagnos c X-ray Facility No charge; ded waived 10% a er deduc ble deduc ble; plan pays 70% Major Services PET Scans, MRI, CT Scans 30% a er Deduc ble 10% a er deduc ble Prescrip on Drugs deduc ble waived Plan Member Cost of Service Tier 1 $10 $10 $10 Tier 2 $40 $40 $30 Tier 3 $70 $70 $60 Mail Order 90 day supply $25 / $100 / $175 $25 / $100 / $175 $25 / $75 / $150 Payroll Deduc ons Without Wellness With Wellness Without Wellness With Wellness Without Wellness Employee $80.58 $54.50 $ $80.58 $ With Wellness $ Employee & Spouse $ $ $ $ $ Employee & Children $ $ $ $ $ Family $ $ $ $ $ $ $ $ *wherever it says 30% a er deduc ble this means that a er the deduc ble is met, the plan pays 70% and the plan member would pay 30% This is a summary of benefits for comparison purposes only. Any differences between this summary and Aetna s cer ficate of coverage are uninten onal. If any differences, the cer ficate of coverage controls.

8 Medical Metabolic Health in Small Bytes A new and powerful interven on that targets metabolic syndrome risk factors Did you know? About 25% of US adults have metabolic syndrome (MetS). This means that one quarter of Americans are at risk for heart disease and diabetes. And the impact of metabolic syndrome on your health care costs is significant. In fact, it s a game changer! Health care costs go up 25% with each added metabolic risk factor. What is metabolic syndrome? Metabolic syndrome is a grouping of five health risk factors: increased blood pressure, high triglyceride levels, reduced HDL cholesterol, elevated blood sugar levels and excess body fat around the waist. Adults with three or more of these risk factors are at risk for metabolic syndrome. The bad news Employees with metabolic syndrome are: Twice as likely to develop heart disease Five mes as likely to develop diabetes as someone who does not have metabolic syndrome The good news Employees take ac on when they understand their risk factors Metabolic syndrome is now pervasive in our society. Any program that helps reduce the risk factors could have a major impact on our health. And our company s fiscal health, too. An innova ve program that targets metabolic syndrome risk factors Aetna recently introduced Metabolic Health in Small Bytes, an innova ve program targe ng obesity. Obesity is the greatest risk factor for developing metabolic syndrome. Weight loss and increasing physical ac vity can provide many benefits. Addressing weight loss must consider an individual s emo onal state, mo va onal level, and nutri on and exercise knowledge. This program uses a holis c approach (mental, emo onal and physiological) to help par cipants iden fy reasons and barriers for managing their weight. Par cipants: Need a PC with internet access to engage in their classroom - in real me Enjoy a virtual online classroom and interact with classmates and instructors Learn the nutri on and exercise approach pioneered by the Duke Diet & Fitness Center Prac ce the mind-body techniques developed at Duke Integra ve Medicine for: Managing stress Reducing binge ea ng Managing depression Reconnec ng the mind and body in determining hunger/fullness Improving sleep quality and reducing insomnia Learn tools for developing and maintaining higher self-esteem and a more posi ve outlook on life Address your health risks with a comprehensive wellness strategy Metabolic Health in Small Bytes helps address your health risks while suppor ng a comprehensive wellness strategy. You can reduce or reverse the risks associated with metabolic syndrome. Metabolic Health in Small Bytes can help. 8 Dealing with difficult emo ons

9 Medical STEPS TO URGENT CARE 9 How Much Will I Get Charged for This? ER versus Urgent Care or Walk in Clinic. Or can I go to an FPG Office? The emergency room is the most expensive place to get non-emergency care. Go to h p:// to see the difference in cost between an average ER visit and the same needed treatment at an urgent care center. Do you know the average cost of Urgent Care? Below is some informa on to help you spend your money wisely and a reminder of common costs of service and uses of the variety of urgent care op ons available to members. Examples of Cost of Care Source of Care Examples $1 - $25 Self Care $15 - $100 Doctor Loca on or Phone Number Use of home remedy or first-aid kit, get help from family members. Have your doctor s phone numbers on hand Examples of Symptoms Bee s ng, minor cut, upset stomach Vomi ng, skin rash, diarrhea $20 - $175 Mini-Clinics, Urgent Care Centers Know where they are located Ear infec ons, bronchi s, fever or other non-life-threatening illnesses, if your doctor is unavailable $200 - $1,000 Emergency Room Know how to get there fast Sudden, sharp abdominal pain, uncontrolled bleeding $150 - $1,000 Ambulance Call 911 Chest pain, difficulty breathing, unconsciousness You and your family members should know and have wri en down the following medical informa on: Your blood type, known allergies to medica ons, foods and/or other materials as well as Medica ons and Vitamins you are currently taking.

10 Voluntary Benefits Trustmark & APL 10 Voluntary Benefits Voluntary Benefits are offered to strengthen your overall benefits package. You customize the benefit based on need and affordability. Ownership Policies are fully portable and belong to you if you leave your employer, same price and same plan Benefits are payroll deducted Cash benefits are paid directly to you, not to a hospital or to a doctor Benefits are paid regardless of any other coverage you may have Level premiums Rates do not increase with age Guaranteed Renewable Designed to provide addi onal cash flow to assist with out of pocket medical costs and other bills The three Voluntary Benefits offered through Trustmark are a Cri cal Illness/Cancer Plan, Accident Plan and Life Insurance with Long Term Care. The plan offered through APL is a Hospital Indemnity Plan. CRITICAL ILLNESS / CANCER PLAN Cri cal Illness/Cancer is a benefit that will pay you a lump sum of money if you are diagnosed with a cri cal illness, heart a ack, internal cancer or stroke. The cash benefit is provided upon the first diagnosis of a covered condi on to help you with associated costs and beyond. Special Underwri ng at Ini al Offering Guaranteed Issue: $15,000 employee / $7,500 spouse / $1,500 children Regardless of other coverage in force, the benefit is paid out in a full lump sum. Examples of covered condi ons: Invasive Cancer, Heart A ack, Stroke, Renal (Kidney Failure), Blindness, ALS (Lou Gehrig s Disease), Major Organ Transplant, Paralysis of Two or More Limbs, Coronary Artery Bypass Surgery (25% benefit), Carcinoma In Situ (25% benefit) A Health Screening Benefit is included in your Cri cal Illness/Cancer Policy and pays up to $100 for each insured. Each covered person will get one immuniza on or one screening test per calendar year. Examples of health screenings: New for 2014! Low dose mammography Stress test Serum Cholesterol Bone Marrow Pap Smear Colonoscopy Prostate Specific an gen Chest X-ray Also included is a double benefit that provides a second cash payment in the event a covered person is diagnosed with a different condi on or cri cal illness. Pays an addi onal 100% of the original benefit. Rates This benefit is customized by each employee so rates vary, but can start as li le as a few dollars a week. Please speak to a Benefit Counselor to customize your plan and rates. See brochure for more details.

11 Voluntary Benefits Trustmark & APL 11 HOSPITAL INDEMNITY PLAN New for 2014! The Hospital Indemnity Plan can help offset your out-of-pocket expenses including deduc ble, co-insurance and co-pays, and services not covered in your group health coverage for Hospitaliza on and Outpa ent surgery. This policy is portable via COBRA. Benefits included with the plan: Guaranteed Issue at Ini al Offering Only! First Occurrence Hospital: $1,000 per calendar year Daily Hospital Confinement: $100 per day Emergency Accident: $200 per day per accident Surgery: up to $4,000* Anesthesia: 25% of surgical benefit Diagnos c Tes ng: $250 per test Wellness Exam or Test: $75 per test Maximum Diagnos c Tes ng and Wellness Exam or Test Benefit: $250 per calendar year per covered person $500 per calendar year for all covered persons combined *APL will pay one surgical benefit per day. There is no max per year. BI-WEEKLY PAYROLL DEDUCTIONS Employee Employee & Spouse Employee & Children Family $18.18 $33.72 $27.10 $42.18

12 Voluntary Benefits Trustmark & APL 12 ACCIDENT PLAN The Accident Insurance helps pay for the unexpected expenses that can result from an accident. On and off-the-job coverage (24/7) Money is paid directly to you for (please see brochure for a complete list of benefits): Ini al Doctor s Office Visit: $200 Fractures: up to $15,000 Hospitaliza on: $3,200 admission, $500 per day Disloca ons: up to $12,000 Wellness Benefit Included: A wellness benefit is paid for all rou ne physicals, vaccines, and health screening tests for each covered person. There is a 60-day wai ng period, a er ini al enrollment, for this benefit. This benefit pays $100 per test per person, twice each year (maximum of $200 annually per insured). See below on how to file your claim! Examples of Health Screenings include: Low-dose Mammogram Pap Smear Serum Cholesterol Fas ng blood glucose test Prostate Specific An gen (PSA) Stress Test on a bicycle or treadmill BI-WEEKLY PAYROLL DEDUCTIONS Employee Employee & Spouse Employee & Children* Family* $8.54 $13.08 $19.86 $24.40 *Dependents up to age 26 can be covered regardless of student status. How do I submit a claim for my wellness benefit? Simply provide Trustmark with a copy of the bill, which contains your name, the name and address of the facility where the service was performed, the type of service performed and the date performed. You can fax your vaccine, rou ne physical or other screening evidence to (508) or mail to: Trustmark Insurance Company 100 North Parkway Suite 200 Worcester, MA 01605

13 Voluntary Benefits Trustmark & APL 13 UNIVERSAL LIFE INSURANCE & LONG TERM CARE Universal Life with Long Term Care includes both a death benefit and a living benefit. Trustmark Universal Life with Long Term Care is a permanent life insurance policy that is designed to match your needs throughout your life me. It pays a higher death benefit during your working years when expenses are high and you need maximum protec on. The Universal Life with Long Term Care policy is priced to remain the same cost to you un l age 100. The death benefit reduces at age 70 when the need for life insurance typically decreases. The Living Benefit, Long Term Care, never reduces and is 4% of the original death benefit per month for up to 25 months. If you use the Long Term Care benefit, your death benefit amount does not reduce due to the Benefit Restora on feature included. Coverage available for spouse and children as well. Underwri ng: Guaranteed Issue offering for Newly Benefit Eligible Employees ONLY. No health ques ons for $3 - $12/week up to $200,000 If you waived this benefit previously, you must answer a few health ques ons and be approved for coverage. Life with Long Term Care example: $100,000 Death Benefit Long Term Care Benefit (LTC): Pays a monthly benefit equal to 4% of your death benefit for up to 25 months. Benefit Restora on: Restores the death benefit that is reduced to pay for LTC. Total Maximum Benefit: Long Term Care Benefits may double the value of your insurance Before Age 70 $100,000 A er Age 70 $100,000 $100,000 $33,333 $200,000 $133,333 At your individual enrollment session your Benefit Counselor will be able to go into more detail and show you pricing as you are able to customize your policy based on your needs.

14 Term Life Insurance 14 As an employee, you may apply for Life Insurance for you and your eligible dependents. If you did not previously elect this benefit, Evidence of Insurability and approval by Mutual of Omaha will be required for any amount of coverage. Employee You may elect life insurance in increments of $10,000 not to exceed 5 mes your annual salary or a maximum of $500,000, whichever is less. If you elect Voluntary Life Insurance for yourself, you also have the opportunity to elect coverage for your spouse and/or children. Spouse You may elect life insurance in increments of $5,000 not to exceed the employee s elected amount up to a maximum of $250,000. Child(ren) Coverage in the amount of $10,000 can be elected for all children ages 14 days old through the age of 21 (25 if a full- me student and unmarried). The $10,000 benefit is a Guaranteed Issue for all children. Coverage terminates for dependents when the FPG Team Member reaches age 70.

15 Term Life Insurance 15 COSTS FOR TERM LIFE INSURANCE Age Band *Employee & Spouse Rate per $ $ $ $ $ $1.81 All Children for Rate of $10,000 <24 $.06 $ $ $ $ $ $ $ $10.84 *Rates are based on Employee Age Example: A 36 year old female, Sally, wants to purchase $50,000 of term life insurance..15 x 50 = $7.50 _ x 12 / 26 = $3.46 Monthly rate per $1,000 # of units/$1,000 monthly premium payroll deduc on

16 Short Term Disability 16 As an employee of Family Physicians Group, you are able to enroll in Short Term Disability (STD) coverage. STD coverage supplements your lost wages should you be unable to work due to an illness, injury or pregnancy. STD coverage begins a er missing the specified elimina on period below due to a medically cer fied reason. Benefits are payable up to the specified benefit dura on period below. If you did not previously elect this benefit, Evidence of Insurability and approval by Mutual of Omaha will be required for any amount of coverage. Elimina on Period for sickness, accident or pregnancy: 14 days Maximum Benefit Period: 11 weeks for total or par al disability Weekly Benefit: Up to 60% of your weekly earnings to a maximum of $2,000 benefit Pre-Exis ng Condi on: Anything you received medical treatment, advice or consulta on, care or services including diagnos c measures, or had drugs or medicine prescribed or taken in the 3 months prior to your insurance effec ve date will not be covered for the first 6 months of the policy. BI-WEEKLY COST CALCULATION Example: A 36 year old female, Sally, wants to purchase short term disability and has an annual salary of $25,000. Weekly benefit: $288 (60% of weekly salary) $25,000 x = $7.99 Annual Salary Premium Factor Bi-Weekly Cost ($173,333 max)

17 Long Term Disability 17 As an employee of Family Physicians Group, your Employer pays for a Long Term Disability Benefit that is 40% of your monthly income. You are able to enroll in addi onal Long Term Disability (LTD) coverage up to 60% of your monthly income. If you did not previously elect the buy-up benefit, Evidence of Insurability and approval by Mutual of Omaha will be required for any amount of coverage. LTD coverage supplements your lost wages should you be unable to work due to an illness or injury. LTD coverage begins a er missing the specified elimina on period below due to a medically cer fied reason. Benefits are payable up to the specified benefit dura on period below. LTD pays up to a maximum of $5,000 per month (If you are a Physician, Physician s Assistant, Pharmacist, Nurse Prac oner, Director, Execu ve or Officer you can buy up to a maximum of $15,000 per month equal to 60% of income). Elimina on Period for sickness, accident or pregnancy: 90 days Maximum Benefit Period: Age 65 or to your normal re rement age Weekly Benefit: Up to 60% of your monthly earnings to a maximum of $5,000* Pre-Exis ng Condi on: Anything you received medical treatment, advice or consulta on, care or services including diagnos c measures, or had drugs or medicine prescribed or taken in the 3 months prior to your insurance effec ve date will not be covered for the first 12 months of the policy. *If you purchase the Buy-Up LTD. BI-WEEKLY COST CALCULATION Max of $5000/month Example: A 36 year old female, Sally, wants to purchase short term disability and has an annual salary of $25,000. Monthly benefit: $1,250 (60% of monthly salary) $25,000 x = $4.81 Annual Salary Premium Factor Bi-Weekly Cost ($100,000 max)

18 Dental 18 Locate a Den st within the Aetna network at Aetna is our dental carrier again this year. The dental plan offers an enhancement which is called the Aetna Dental/Medical Integra on Program explained on the opposite page. Plan Low Op on PPO High Op on PPO In Network Out of Network In Network Out of Network Calendar Year Deduc ble Individual/Family $50 / $150 $100 / $300 $50 / $150 $50 / $150 Annual Maximum $1,000 $1,000 $1,000 $1,000 Preventa ve Services Exams, Cleanings, X-Rays, etc. Plan pays 100%. Deduc ble is waived. Deduc ble Applies Basic Services Fillings, Simple extrac ons, Periodon cs, Root Canals, etc. 80% Covered 50% Covered 100% Covered 80% Covered Major Services Crowns, Dentures, etc. 50% Covered 30% Covered 60% Covered 60% Covered Orthodon cs $1,000 Life me Maximum for child(ren) under age 19 Deduc ble does not apply to Orthodon c Services. 50% 50% 50% 50%

19 Dental 19 Dental Enhancement Aetna Dental/Medical Integra on Program Ge ng good medical and dental care has always made sense. The link between dental and physical health is very real. Research shows that preven ve and periodontal care may help people with chronic illnesses like diabetes to stay healthier and require fewer costly health services. In fact, good dental care may even help women to have healthier babies. If you are iden fied as having a medical condi on, like heart disease or are pregnant, the program offers the following benefits: Educa on by mail or phone on how gum disease can affect your general health. Enhanced dental benefits such as an extra cleaning and some periodontal services are covered at 100% with no deduc bles or coinsurance. A dental coordinator to help choose a den st and make an appointment. Follow-up support to get all the care that s needed. And the good news is, no deduc ble or paperwork is needed for these extra dental benefits. Plus, services will not count towards your calendar year maximums. DENTAL BI-WEEKLY PAYROLL DEDUCTIONS Low Op on High Op on Employee Only $8.27 $13.86 Employee & Spouse $17.13 $28.73 Employee &*Children $19.02 $31.71 *Family $26.82 $45.02 *Dependents ages 26 and under can be covered.

20 Vision 20 Aetna is our vision carrier again this year. Your vision is important to your health. Whether you have 20/20 or less than perfect vision, everyone needs to receive regular vision care. Don t take chances with your vision; take advantage of this important benefit. Descrip on In-Network Benefits Out-of-Network Benefits Comprehensive Eye Exam Once every 12 months Eyeglass Lenses (standard plas c) Once every 12 months $20 co-pay Reimbursed up to $20 Amount reimbursed Single $20 co-pay Up to $15 Bifocal $20 co-pay Up to $30 Trifocal $20 co-pay Up to $60 Eyeglass Frames Once every 24 months If chosen from Special Frame Selec on Outside Special Frame Selec on Contact Lenses (in lieu of glasses) Once every 12 months $20 co-pay $100 allowance + 20% off balance Reimbursed up to $50 Conven onal (Elec ve) $105 allowance $75 allowance Medically Necessary Covered in Full $200 allowance Contact Lens Fi ng Fee Standard: $40 co-pay; Premium: 90% of retail Not Covered Laser Vision Correc on (LASIK) 15% off retail / 5% off sale Not Covered VISION BI-WEEKLY PAYROLL DEDUCTIONS Employee Only $2.55 Employee & Spouse $4.85 Employee &*Children $5.11 *Family $7.50 *Dependents ages 26 and under can be covered.

21 Aetna Navigator Secure Member Website 21 Make the most of all your plan offers Aetna Navigator Secure Member Website. It s where you go to: Find doctors, den sts, pharmacies and hospitals Make sure your doctor is in our network before you go Look for a new doctor near your home or work Get an ID Card Print a temporary card Order a new card Look up a claim Check to see what your doctor billed, how much your health benefits and insurance plan paid and what you have to pay Find out how claims work You re mobile. So are we. Use any mobile phone with web access to log in to Aetna.com and try some great tools. Or if you have a Smartphone, check out our apps! Check your coverage Check who is on your plan Check what your plan covers Keep track of health care costs Check what a procedure may cost in your area Look up a health savings account or health fund balance See how much you ve paid so far and how much you have le to pay Check the price of a drug before you go to the pharmacy It s personalized for you and your family What you see is based on: Your Aetna health plan Health history or claims informa on you entered Your zip code Look what else you can do There s so much you can do on Aetna Navigator! Just log in to your plan and: Have medicines you take every day sent to your home Get a summary of your doctor visits, medical tests, prescrip ons and other health ac vi es Print records of preven ve shots and checkups Look up health topics Complete a Health Assessment Get healthy living ps Sign up for a wellness program It s easy to get started If you re a new member, go to and Register today. Already signed up for Aetna Navigator? Log in now to take advantage of the features and tools. Use Ann, Aetna s virtual assistant, to: Help you register and log in Answer ques ons Find tools and informa on Aetna Mobile Visit Aetna Navigator anytime, anywhere. You can log in using any mobile phone with web access. It s fast, easy and so convenient.

22 Notes / Ques ons 22 Do I have everything I need to enroll? Dependents Names Dependents Dates of Birth Dependents Social Security Numbers Beneficiary Informa on

23 Important Contacts 23 Aetna Medical, Dental & Vision See page 21 to find out how to set up an account through Aetna Navigator to complete your health assessment, find providers, etc. Trustmark Voluntary Benefits ons.com America Public Life Insurance Hospital Indemnity Mutual of Omaha Willis of Florida FPG Benefits Human Resources Explain My Benefits Trustmark Benefits claims help Robert Phillips Christy Giza Lynn Schrader Liliana Aguirre-Timm l mm@fpg-florida.com

24 Benefit Guide Descrip on Please Note: This guide is designed to provide an overview of the coverages available. It is not a Summary Plan Descrip on (SPD). Official plan and insurance documents from the carriers govern your rights and benefits, including covered benefits, exclusions and limita ons. If any discrepancy exists between this guide and the official documents, the official documents will prevail.