Associated Construction & Engineering, Inc.

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1 Associated Construction & Engineering, Inc. Benefit Enrollment Guide January 1, 2019 Company-Sponsored Benefit Plans for Health, Wellness, and Peace of Mind Open Enrollment will be open from November 19, 2018 through December 15, 2018 We hope you enjoy this opportunity to review your benefit elections and determine if you need to make changes. Open enrollment is your only chance each year to make changes to your elections, unless you or your family members experience an eligible qualifying event -- such as marriage, birth, adoption, divorce, loss of coverage, a spouse's open enrollment period, etc. Should you experience a qualifying event, please notify Human Resources as soon as possible to avoid delays or lapses in coverage. ACTION REQUIRED BY ALL ELIGIBLE EMPLOYEES! You must login to your company s Employee Navigator portal to confirm your 2019 elections. If you are not making any changes to your existing benefits your elections will remain the same. Access to the online portal is available 24 hours a day from work or home at the following link. San Luis Obispo Santa Maria License # Employee Advocate Services I I Fax I AdvocateServices@morrisgarritano.com If the employer has the ability to allow deductions to be paid on a pre-tax basis, employees will automatically be enrolled in this benefit. If any employee does not wish to participate in this plan, it is the employee's responsibility to contact the plan administrator.

2 Associated Construction & Engineering, Inc. Benefit Overview & Rates ~ Effective January 1, 2019 Benefit Comparison Option 1 Option 2 Option 3 Option 4 * Option 5 * Carrier Plan Name Benefit Level United Healthcare PR1 Select Plus In Network United Healthcare AKK3 Select Plus In Network United Healthcare AB55 Select Plus HSA In Network Kaiser Traditional HMO HMO Kaiser Deductible HMO 1000 HMO Deductible $500/$1,000 Family $2,500/$5,000 Family $3,000/$6,000 Family None $1,000/$2,000 Family Out of Pocket Max $3,000/$6,000 Family $5,000/$10,000 Family $5,000/$10,000 Family $1,500/$3,000 Family $3,000/$6,000 Family Office Visit / Specialist Visit $20/$20 (ded. waived) $20/$40 (ded. waived) 20% $10 $20 (ded. waived) Preventive Care No Charge No Charge No Charge No Charge No Charge Hospitalization 10% 20% 20% No Charge 20% Outpatient Surgery 10% 20% 20% $10 per procedure 20% Simple X-Ray / Lab No Copay No Copay 20% No Charge $10 (ded waived) Chiropractic $20 (ded. waived) 24 visits $20 (ded. waived) 24 visits 20% /24 visits $10/30 visits $10 (ded. waived) 30 visits Urgent Care $50 (ded. waived) $125 (ded. waived) 20% $10 $20 (ded. waived) Emergency Room $100 copay (ded. waived) $250 copay (ded. waived) 20% $150 copay 20% Rx Formulary Access Access Access Kaiser Kaiser Rx Deductible None None Medical Deductible Applies None None Rx - Tier One $15 $15 $10 $10 $10 Rx - Tier Two $40 $40 $35 $25 $30 Rx - Tier Three $60 $60 $60 $25 (Needs Approval) $30 (Needs Approval) *Kaiser not available in SLO County Monthly Rates & Per Pay Period Employee Contributions PR1 Select Plus AKK3 Select Plus AB55 Select Plus HS A Traditional HMO Deductible HMO 1000 Dependent Status Total Monthly Cost EE Cost Per Pay Period Total Monthly Cost EE Cost Per Pay Period Total Monthly Cost EE Cost Per Pay Period Total Monthly Cost EE Cost Per Pay Period Total Monthly Cost EE Cost Per Pay Period Employee Only $ $54.20 $ $35.15 $ $11.65 $ $56.97 $ $40.13 Employee & Spouse $1, $ $ $ $ $ $1, $ $1, $ Employee & Child(ren) $ $ $ $ $ $76.36 $ $ $ $ Employee & Family $1, $ $1, $ $1, $ $1, $ $1, $ Based on 52 pay periods per year

3 Associated Construction & Engineering, Inc. Non-Medical Benefit Overview & Rates ~ Effective January 1, 2019 United Healthcare Dental Dental Coverage Level Total Monthly Cost EE Cost Per Pay Period Network PPO Non-PPO Deductible (waived for preventive) $50/$150 $50/$150 Employee Only $34.56 $0.00 Preventive (exams, cleanings, x-rays) 100% 100% Basic (fillings, oral surgery, endo, perio) 80% 80% Employee & Spouse $66.14 $7.29 Major (crowns, dentures, bridges) 50% 50% Annual Maximum $1,500 Orthodontia (Child Only) 50% up to $1,500 Lifetime Maximum Claim payment basis Negotiated Fee 80th% UCR Employee & Child(ren) $75.07 $9.35 Employee & Family $ $18.97 United Healthcare Vision Vision Coverage Level Total Monthly Cost EE Cost Per Pay Period Copays Lenses $10 Exams (One every 12 months) / $20 Eyewear One every 12 months Employee Only $6.69 $0.00 Employee & Spouse $11.37 $1.08 Frames One every 24 months up to $130 retail Employee & Child(ren) $12.05 $1.24 Contacts In lieu of frames & lens up to $130 Employee & Family $18.06 $2.62 United Healthcare Voluntary Life/AD&D United Healthcare Life/AD&D Voluntary Life is available in variable amounts for you and your dependents. Changes outside your original enrollment will be subject to underwriting approval. See plan benefit summary and rates are loaded on Employee Navigator for your review. Premiums will not begin until benefit has been approved by United Healthcare. $25,000 Benefit Paid for by Employer This information is intended for comparative purposes only, and should not be used as a description of benefits. Please refer to your plan's Explanation of Benefits for full details of coverage.

4 Medical Dental Vison Deductible: A specified amount of money you pay for covered health care services before your insurance plan starts to pay Out of Pocket Max: The most you could pay in a calendar year for In-Network covered health care services Copay: A fixed dollar amount for an office visit with a physician or a prescription. Co-Insurance: Your percentage share of cost for a covered health care service, after the deductible has been met. Annual Maximum: The maximum amount the dental insurance plan will pay out towards your claims in the calendar year of your policy. Co-Insurance: Your percentage share of cost for a covered dental service, after the deductible has been met. Elective Contacts: Contacts for members who can elect to wear glasses or contacts. Non-Elective Contacts: Contacts for members whose vision cannot be corrected with glasses. Standard Versus Progressive Lenses: Standard lenses have a line separating the different vision corrections (e.g. bi-focal or tri-focal). Progressive lenses include different vision corrections without the visible line. Basic Term Life Beneficiary: The person who is eligible to receive the death benefit payment. Age Reduction: Benefit amount may reduce starting at age 65. Please see plan summary for details. Accidental Death and Dismemberment: Pays a benefit to your beneficiary if your death is caused by an accident. You may also get a part of this benefit if an accident results in the loss of sight, limb, etc. Conversion: Ability to change your group life coverage to an individual policy after your employment ends.

5 Your Benefit Resources Your Morris & Garritano Advocate Services Team is available to assist you: Understanding the benefits and costs of plans Understanding pertinent rules and rights such as qualifying events, COBRA, HSA limits Resolving issues such as accessing services/ in network providers in a timely manner Resolving claim issues Understanding Medicare eligibility/plan options Enrolling in Medicare plans Resolving Medicare service & claim issues Morris & Garritano Insurance AdvocateServices@morrisgarritano.com (855) What can you do online with your carrier? Order ID cards and print temporary versions View active members on your policy Access Explanation of Benefits (EOBs) Check status of your deductible and out of pocket maximum View plan, prescription, and drug formulary benefit information See past visits and claims progress Access to a list of preventive care services Access to mobile apps Search Provider Directory UHC Medical/Pharmacy United HealthCare Dental United HealthCare (866) (800) United HealthCare/OPTUM Rx Vision United HealthCare (888) (800) Kaiser Medical/Pharmacy Kaiser (800) What can you do on your Online Portal? Make enrollment & qualifying event elections View Summary of Benefits and Coverages Access important notices & disclosures View Plan Summaries and Flyers Electronic Portal Employee Navigator Please contact Advocate Services or your Administrator with questions

6 ACCOUNT REGISTRATION *If you haven t previously completed registration, please start here. If you already have a login, please skip to page Click on the following Employee Navigator Account Registration Link: 2. Enter the following information and hit Next a. First Name b. Last Name c. Company Identifier ACEI d. PIN Last four digits of your SSN e. Birth Date mm/dd/yyyy 3. Enter a Username and Password, click the checkbox I agree with the terms of use, and hit Next a. We recommend using your work address as your Username b. Note: Hit Show it to view and verify your Password 4. You have completed your account registration. You can now continue onto your Employee Homepage. 11/14/18 1

7 COMPLETE ONBOARDING TASKS Electronic Signature and Consent 1. Continue past welcome page and onboarding overview 2. When you reach the Electronic Signature and Consent, please read the message 3. Click Sign Document 4. Click Finish 11/14/18 2

8 ACCOUNT LOGIN 1. Use the following Employee Navigator Account Link: 2. Enter your username and password, then click Login a. We recommend using a work address as your Username b. To reset a forgotten password, click on the Reset a forgotten password link 11/14/18 3

9 MAKE BENEFIT ELECTIONS DURING OPEN ENROLLMENT Employee Home Page The Employee Home Screen will load. Remaining tasks will be noted on the right side near the center of the page. It is recommended that benefit elections be completed before completing the remaining tasks. 1. Click green Start Enrollment button just below the list of required tasks. 11/14/18 4

10 UPDATING PROFILE INFORMATION 1. You have the ability to review Profile Overview and Personal Information and update data such as DOB, address and phone number. 2. Remember to Save any changes. Note: Certain fields are required, you will not be able to save changes unless these fields are completed. 11/14/18 5

11 Enter Dependent Information If you are electing any plans which include dependents coverage, they will need to be added here. dependents, click Save and Continue. If you do not need to add 1. Click Add Dependent. 2. Enter the following information: Name Relationship Gender Date of Birth SSN (Not Required if adding a newborn) 3. Click Save. 4. Repeat Steps 1-3 to add all dependents. 5. Once finished, click Save & Continue. 11/14/18 6

12 Selecting Your Benefits You are now ready to begin the election process; the system will automatically walk you through each benefit offering. 1. Under the Who am I enrolling? bar, click the box next to any dependents that you wish to cover under the displayed benefit. 2. To review plan details and compare the various offerings, click on the Compare link within an election box. Clicking Details under each plan will display details of a specific plan as well as any documents pertaining to that plan. Additional documents are included on the right side of the screen under Helpful Resources. v 11/14/18 7

13 3. Once you have made your decision, click on the green Select Plan link. If you are waiving the benefit click on Don t Want this Benefit? at the bottom of the screen and select the reason for declining from the menu. *Note: For a company paid benefit you must only review the benefit amount before saving. Completing Required Forms Employee Navigator will require beneficiary information if any life policies have been elected. 1. To elect a beneficiary, click Add a Beneficiary. If you have entered dependents you will have the option of selecting them from the drop-down menu. If not, key in the new beneficiary information now. 2. Be sure to include the allocation as a percentage. Click Save & Continue. 11/14/18 8

14 You will also have the option to download and print an Evidence of Insurability (EOI) if your company offered a Voluntary Life benefit and you elected an amount over the Guaranteed Issue (GI) amount. Enrollment Summary After all updates have been saved, the enrollment summary page will show you a snapshot of your elections and any associated cost per pay period. 1. Once accurate, click the green Click to Sign link at the bottom of the screen. 2. You can choose to print your election summary using the print icon in the top right. You will also receive an notification confirming your elections are complete 11/14/18 9

15 MAKING A QUALIFYING LIFE EVENT CHANGE 1. From your home screen, click the Adjust Coverage icon in the middle of the screen. 11/14/18 10

16 2. Click on the applicable Qualifying Life Event reason from the listing. Make sure the event is in the correct category (Add Coverage or Drop Coverage for Employee or Dependent) 11/14/18 11

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