2019 BENEFIT GUIDE WELCOME ELIGIBILITY HOW TO ENROLL ENROLLMENT INFORMATION

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1 WELCOME Welcome to your 2019 benefits! This guide will provide an outline of the benefits available to you, and your qualified dependents, and assist you in making your enrollment choices. We encourage you to review this Benefit Guide to educate yourself about your options and to choose the coverage to fit your needs. If you have questions about your benefits, SBMA is available to help. Call (888) or find more information online at ELIGIBILITY You re eligible for benefits on the first of the month following 59 days of employment if you are scheduled to work 30 hours ormore per week. You may enroll your eligible dependents in the same plans you choose for yourself. Eligible dependents include your legal spouse and your children up to age 26. HOW TO ENROLL To enroll into benefits, make changes, or waive coverage for you and your qualified dependents, please follow one of the methods below. Make elections via the EaseCentral Benefits portal: If you have an on file with JFC Temps, you will receive an directly from easecentral with a link to the benefits portal. Once you click this link, the system will ask you to create a password. You can then make elections once logged in. After your initial login, you can access your enrollment portal by visiting If you do NOT have an on file with JFC Temps, you can obtain your username and password information by contacting The customer service team will then you a pdf with your username and password. After your initial login, you can access your enrollment portal by visiting Make elections via the call center: 2019 BENEFIT GUIDE To enroll over the phone, call the SBMA Call Center at (888) Additionally, voluntary benefits such as dental and vision are provided through Security Life Insurance. Please logon to JFC's website. Click on Resources and link to dental/vision insurance information. Employees will be responsible for payment directly to Security Life. ENROLLMENT INFORMATION Benefit elections must be completed by the date in the you receive from easecentral and JFC. If you don t make selections by this deadline, you will not have another opportunity to make changes until next open enrollment (January 1, 2020) or due to a qualifying event. See examples of qualify events below: Marriage, divorce, legal separation, annulment or death of spouse Birth, adoption or placement for adoption Change in your residence or workplace (if your benefit options change) Loss of other health coverage Change in your dependent s eligibility status because of age, student status or any similar circumstance

2 THE AFFORDABLE CARE ACT (ACA) & MINIMUM ESSENTIAL COVERAGE (MEC) According to the Affordable Care Act (ACA), more commonly referred to as Obamacare, all individuals must be offered at least Minimum Essential Coverage (MEC). MEC covers 17 preventative services for adults, 22 additional services for women and 26 services for children. COVERAGE OPTIONS 2019 BENEFIT GUIDE MEC ENHANCED: Covers all preventative services as outlined in (ACA) and provides primary care visits at a $15 copay (limit 3 per plan year then subject to network discount) and discounts on additional medical services such as subsequent primary care visits, specialist and urgent care visits, laboratory services and x-rays. The MEC Enhanced plan also includes Telehealth through HealthiestYou and prescription drug discounts through Rx Valet. MEC PLUS: Covers all the same services as MEC Enhanced at various copays (see benefit summary) and includes generic prescription drugs at a $5 copay. Note: MEC Plus does not cover hospitalization, surgical procedures, emergency room or out-of-network services. MINIMUM VALUE: This PPO plan covers all services outlined in MEC Plus and provides additional medical services such as emergency room care, hospitalization and inpatient services at various copay/coinsurance amounts. Cost of the plan is based on affordability as mandated by ACA. Employees will not pay greater than 9.86% of their salary on medical benefits. METLIFE HOSPTIAL: This indemnity plan can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to covered employees to spend as they choose. EMPLOYEE ACKNOWLEDGEMENT Upon receipt of this guide, employees attest: I have been provided with the Benefit Guide and with the information pertaining to the plan offering and enrollment deadline. I have been offered a plan for myself and my qualified dependents that provides both Minimum Essential Coverage (MEC) and Minimum Value Plans. I understandthe cost to me will not be greater than 9.86% of my pay. I authorize my employer to make salary reductions on a pre-tax basis for my portion of the group insurance premiums. I understand that: I cannot change this election during the plan year unless I have a change in status as provided in the Internal Revenue Code andregulations. My Social Security benefits may be reduced by this election. This election replaces any previous elections and will terminate on the earlier of (1) when I am no longer being paid compensationin an amount at least equalto my totalsalaryreduction or (2) termination of the plan. My employer may reduce or cancel this election if necessary to comply with provisions of the Internal Revenue Code. I understand if I decline medical coverage I will not be able to enroll in benefits until January 1, 2020 or due to a qualifying event.

3 2019 BENEFIT GUIDE BENEFIT PLAN COMPARISON Covered Benefits MEC Enhanced MEC Plus MV Zero Deductible $0 $0 $0 Out-of-pocket maximum Not Applicable $1,850 individual / $3,700 family $7,150 individual / $14,300 family Wellness / Preventative Covered 100% Covered 100% Covered 100% Primary Care Visits $15 copay for the first 3 visits then Network Discount $15 copay $15 copay Specialist Visits Network Discount $15 copay $15 copay Laboratory Services / X-Rays Network Discount $50 copay $50 copay Advanced Imaging (CT / PET / MRI) Not Covered Not Covered Not Covered Emergency Room Care Not Covered Not Covered $400 copay Emergency Transportation Not Covered Not Covered Not Covered Urgent Care Network Discount $50 copay $50 copay Hospital Facility fees Not Covered Not Covered $1,000 copay then 20% coinsurance Physician / Surgeon fees Not Covered Not Covered $1,000 copay then 20% coinsurance Inpatient Services Not Covered Not Covered $1,000 copay then 20% coinsurance Outpatient Hospital / Surgery Not Covered Not Covered Not Covered Therapy services Not Covered Not Covered Not Covered Childbirth / Delivery Not Covered Not Covered $1,000 copay then 20% coinsurance Prescription Drugs Discounts only $5 copay generic only $40 copay generic only 1. The above plans do not cover out of network services. Providers/facilities must be in the Multiplan PHCS network. 2. The MEC Enhanced plan covers the first 3 office visits at a $15 copay then all other services are subject to the network discount. Discounts will vary based on provider contracts. Patients will be responsible for paying the remaining balance after the network discount is applied. 3. Pregnancy office visits for members and member spouses are covered (not dependent children). Maternity labs, x-rays, ultrasounds and related services are not covered. 4. Brand and specialty drugs are not covered under any plan. Pharmacy discounts on the MEC Enhanced plan are offered by SmithRx. For more information visit COST FOR COVERAGE Weekly Rates Coverage Tier MEC Enhanced MEC Plus Minimum Value* MetLife Hosptial** Employee Only $18.23 $28.62 $89.34 $18.35 Employee + Spouse $35.53 $72.29 $ $38.67 Emplee + Children $37.06 $76.45 $ $30.51 Family $53.12 $ $ $50.83 *Cost of Minimum Value plan is subject to affordability and may differ from indicated rates based on an employee s pay. For more information regarding affordability rates contact your employer. **The MetLife Hospital plan may be chosen as a stand-alone option or may be chosen in addition to the MEC Enhanced, MEC Plus or Minimum Value plans.

4 MEC COVERED PREVENTATIVE SERVICES 17 Covered Preventive Services for Adults (ages 18 and older) 1. Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked 2. Alcohol Misuse screening and counseling 3. Aspirin use to prevent cardiovascular disease for men and women of certain ages 4. Blood Pressure screening for all adults 5. Cholesterol screening for adults of certain ages or at higher risk 6. Colorectal Cancer screening for adults over Depression screening for adults 8. Diabetes (Type 2) screening for adults with high blood pressure 9. Diet counseling for adults at higher risk for chronic disease 10. Hepatitis C screening for adults at increased risk, and one time for everyone born HIV screening for everyone ages 15 to 65, and other ages at increased risk 12. Immunization vaccines for adults doses, recommended ages, and recommended populations vary: Hepatitis A, Hepatitis B, Herpes Zoster, Human Papillomavirus, Influenza (Flu Shot), Measles, Mumps, Rubella, Meningococcal, Pneumococcal, Tetanus, Diphtheria, Pertussis, Varicella 13. Lung cancer screening for adults at high risk for lung cancer because they re heavy smokers or have quit in the past 15 years 14. Obesity screening and counseling for all adults 15. Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk 16. Syphilis screening for all adults at higher risk 17. Tobacco Use screening for all adults and cessation interventions for tobacco users 22 Covered Preventative Services for Women, Including Pregnant Women 1. Anemia screening on a routine basis for pregnant women 2. Breast Cancer Genetic Test Counseling (BRCA) for women at higher risk for breast cancer 3. Breast Cancer Mammography screenings every 1 to 2 years for women over Breast Cancer Chemoprevention counseling for women at higher risk 5. Breastfeeding comprehensive support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women 6. Cervical Cancer screening for sexually active women 7. Chlamydia Infection screening for younger women and other women at higher risk 8. Contraception: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt religious employers. 9. Domestic and interpersonal violence screening and counseling for all women 10. Folic Acid supplements for women who may become pregnant 11. Gestational diabetes screening for women 24 to 28 months pregnant and those at high risk of developing gestational diabetes 12. Gonorrhea screening for all women at higher risk 13. Hepatitis B screening for pregnant women at their first prenatal visit 14. HIV screening and counseling for sexually active women 15. Human Papillomavirus (HPV) DNA Test every 3 years for women with normal cytology results who are 30 or older 16. Osteoporosis screening for women over age 60 depending on risk factors 17. Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk 18. Sexually Transmitted Infections counseling for sexually active women 19. Syphilis screening for all pregnant women or other women at increased risk 20. Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users 21. Urinary tract or other infection screening for pregnant women 22. Well-woman visits to get recommended services for women under Covered Services for Children 1. Alcohol and Drug Use assessments for adolescents 2. Autism screening for children at 18 and 24 months 3. Behavioral assessments for children at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 4. Blood Pressure screening for children at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 5. Cervical Dysplasia screening for sexually active females 6. Depression screening for adolescents 7. Developmental screening for children under age 3 8. Dyslipidemia screening for children at higher risk of lipid disorders at the following ages: 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 9. Fluoride Chemoprevention supplements for children without fluoride in their water source 10. Gonorrhea preventive medication for the eyes of all newborns 11. Hearing screening for all newborns 12. Height, Weight and Body Mass Index measurements for children at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 13. Hematocrit or Hemoglobin screening for children 14. Hemoglobinopathies or sickle cell screening for newborns 15. HIV screening for adolescents at higher risk 16. Hypothyroidism screening for newborns 17. Immunization vaccines for children from birth to age 18 doses, recommended ages, and recommended populations vary: Diphtheria, Tetanus, Pertussis, Haemophilus influenzae type b, Hepatitis A, Hepatitis B, Human Papillomavirus, Inactivated Poliovirus, Influenza (Flu Shot), Measles, Meningococcal, Pneumococcal, Rotavirus,Varicella 18. Iron supplements for children ages 6 to 12 months at risk for anemia 19. Lead screening for children at risk of exposure 20. Medical History for all children throughout development at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 21. Obesity screening and counseling 22. Oral Health risk assessment for young children Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years. 23. Phenylketonuria (PKU) screening for this genetic disorder in newborns 24. Sexually Transmitted Infection (STI) prevention counseling and screening for adolescents at higher risk 25. Tuberculin testing for children at higher risk of tuberculosis at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 26. Vision screening for all children. This plan provides no coverage for sickness/hospitalization/surgical benefits. Benefits are not limited to the schedule above. For more information on covered services visit:

5 Covered Benefits Please contact MetLife for detailed definitions and state variations of covered benefits. Subcategory Hospital Benefits Benefit Limits (Applies to Subcategory) Benefit High Plan Admission¹ $2,500 Admission Benefit 1 time(s) per calendar year ICU Supplemental Admission (Benefit paid concurrently with the Admission benefit when a Covered Person is admitted to ICU) $500 Confinement 2 $100 Confinement Benefit 15 days per year ICU Supplemental Confinement will pay an additional benefit for 15 of those days ICU Supplemental Confinement (Benefit paid concurrently with the Confinement benefit when a Covered Person is admitted to ICU) $100 Inpatient Rehabilitation Benefit* 15 days per calendar year Inpatient Rehabilitation (For Injury Only) $50 Inpatient Surgery Benefit* Outpatient Surgery Benefit Surgery Benefits 1 time(s) per calendar year Requires administration of general anesthesia. 1 time(s) per calendar year Inpatient Surgery $1,000 Outpatient Surgery (For Injury or Sickness) $1,000 Additional Care Benefits Ambulance Benefit 1 time(s) per calendar year Ground Ambulance Transport $100 Diagnostic Procedure* 1 time(s) per calendar year Diagnostic Procedure 3 $150 Other Benefits Health Screening Benefit 1 time(s) per calendar year per covered person Health Screening 4 $100 *Benefit(s) that requires prior Admission or Confinement 1 The admission Benefit for residents of CT will be increase to $3,525 for plan design(s) High because some benefits in this plan design are not available. See the Schedule of benefits in the CT certificate. 2 If the Admission Benefit is payable for a Confinement, the Confinement Benefit will begin to be payable the day after Admission. 3 Diagnostic Procedure is payable at an Outpatient Surgery Facility 4 The Health Screening Benefit is not available in all states. Please contact MetLife for detailed definitions and state variations of covered benefits. 7

6 Other Benefits Health Screening Benefit Paid one time per calendar year. The screening/prevention measures for which a Health Screening Benefit may be paid are: routine health check-up exam; biopsies for cancer; blood chemistry panel; blood test to determine total cholesterol; blood test to determine triglycerides; bone marrow testing; breast MRI; breast ultrasound; breast sonogram; cancer antigen 15-3 blood test for breast cancer (CA 15-3); cancer antigen 125 blood test for ovarian cancer (CA 125); carcinoembryonic antigen blood test for colon cancer (CEA); carotid doppler; chest x-rays; clinical testicular exam; colonoscopy; complete blood count (CBC); dental exam; digital rectal exam (DRE); Doppler screening for cancer; Doppler screening for peripheral vascular disease; echocardiogram; electrocardiogram (EKG); electroencephalogram (EEG); endoscopy; eye exam; fasting blood glucose test; fasting plasma glucose test; flexible sigmoidoscopy; hearing test; hemoccult stool specimen; hemoglobin A1C; human papillomavirus (HPV) vaccination; immunization; lipid panel; mammogram; oral cancer screening; pap smears or thin prep pap test; prostate-specific antigen (PSA) test; serum cholesterol test to determine LDL and HDL levels; serum protein electrophoresis; skin cancer biopsy; skin cancer screening; skin exam; stress test on bicycle or treadmill; successful completion of smoking cessation program; tests for sexually transmitted infections (STIs); thermography; two hour post-load plasma glucose test; ultrasounds for cancer detection; ultrasound screening of the abdominal aorta for abdominal aortic aneurysms; or virtual colonoscopy. The Health Screening Benefit is not available in all states. Diagnostic Procedure Benefit Diagnostic Procedure means any of the following: angiogram; arteriogram; barium enema/lower GI series, barium swallow/upper GI series; biopsies; bone marrow testing; bronchoscopy; computed tomography scan (CT) or computed axial tomography (CAT); colonoscopy; cystoscopy; electrocardiogram (EKG); electroencephalogram (EEG); electromyogram (EMG); esophagogastroduodenoscopy (EGD); excision of lesion; hysteroscopy; laryngoscopy; loop electrosurgical excisional procedure (EEP); magnetic resonance imaging (MRI) or magnetic resonance (MR); nerve conduction velocity test (NCV); nuclear medicine test; positron emission tomography (PET Scan); pulmonary function test (PFT); single-photon emission computed tomography (SPECT Scan);thallium stress test; transesophageal echocardiogram (TEE); x-rays. MetLife Advantages SM Services or Discounts added at no additional cost to you or your employees Will Preparation Services 1 As an added benefit your employees will have access to MetLife s online will preparation services provided by SmartLegalForms to create a binding will, living will or assign a power of attorney. MetLife VisionAccess 2 As an added benefit your employees will have access to the MetLife VisionAccess discount program. The program provides a discount on eye exams, glasses and frames, and laser vision correction when visiting a participating private practice. Digital Legacy (MetLife Infinity) 3 As an added benefit your employees will be able to create an account accessible from web, mobile and tablet devices where they can to upload, store and share digital assets including pictures, videos, audio files and documents. Assets are 8

7 stored in collections where employees can share with family and friends through scheduled releases now or in the future. An employee can also set up a trusted individual who can release collections if the user becomes unable to do so in their future. Funeral Discount and Planning Services 4 As an added benefit your employees will have access to funeral discounts and planning services. Through Dignity Memorial, employees and family members will have access to compassionate counselors as well as discounts on funeral services through the largest network of funeral homes and cemetery providers in North America. MetLife Advantages SM availability may may vary by state. MetLife Advantages SM Disclaimers 1 WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. and is not affiliated with MetLife. The WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters. WillsCenter.com is available to anyone regardless of affiliation with Metlife. 2 MetLife Vision Access is a discount program and not an insured benefit. It is provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with MetLife or its affiliates. MetLife Vision Access is available to anyone regardless of affiliation with MetLife. 3 MetLife Infinity is offered by MetLife Consumer Services, Inc., an affiliate of Metropolitan Life Insurance Company. MetLife Infinity is available to anyone regardless of affiliation with MetLife. 4 Funeral Discount and Planning Services - Services and discounts are provided through a member of the Dignity Memorial Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, SCI ), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for At Need services only. Not approved in AK, CT, FL, KS, KY, MD, MO, MT, ND, NH, NJ, NY, TX and WA. 9

8 Your healthcare just got a whole lot easier! With HealthiestYou you can connect to a doctor, get treatment, and get prescriptions, 24 hours a day, 7 days a week over the phone or via the mobile app. Using HealthiestYou can SAVE YOU TONS OF MONEY and no more sitting around in waiting rooms. And best of all, it s FREE 24X7 UNLIMITED DOCTOR ACCESS Are you sick? Call HealthiestYou first! Our physician network can diagnose, treat, and prescribe with no consult fees, anytime, anywhere. Really! LOCATE PROVIDERS Need to search for a doctor, dentist, or other provider? Our app knows best and will easily lead you through the process. You can even research your doctor first! PRESCRIPTION SAVINGS Need a prescription? Our geo-based prescription search engine can save you up to 85% on your prescription and will often beat your co-pay. HEALTH MANAGEMENT CONTENT Are you stressed? Let HealthiestYou guide you to improved health and happiness with relevant health content delivered at the time of need. SHOP & PRICE PROCEDURES Do you need an MRI or an Ultrasound? Our app puts you in the driver s seat by providing a vehicle to search and price procedures in your direct area. Happy shopping! SYNC YOUR MEDICAL BENEFITS Our app provides you a one stop shop to view your medical plan deductible in real time. Easily shop and book in-network and out- of-network providers for medical, dental, vision, and specialists. And don t forget to DOWNLOAD THE APP!

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