OPTIONAL BENEFITS FOR EMPLOYERS. Includes Dental, Chiropractic/Acupuncture Life Insurance and Section 125 Premium Only Plan

Transcription

1 OPTIONAL BENEFITS FOR EMPLOYERS Icludes Detal, Chiropractic/Acupucture Life Isurace ad Sectio 125 Premium Oly Pla

2 Table of Cotets Table of Cotets Participatio & Cotributio Requiremets... 2 Prepaid 3000 Beefit Summary... 3 by SmileSaver SM Prepaid 1000 Beefit Summary... 4 by SmileSaver SM Prepaid 3000 & 1000 Exclusios & Limitatios... 5 PPO 3000, 3500, 4000 & 5000 Beefit Summaries by Ameritas PPO 3000, 3500, 4000 & Exclusios & Limitatios Chiropractic/Acupucture & Employee Welless... 8 by Ladmark Healthpla Life Isurace/AD&D... 9 by Assurity Life Isurace Compay Sectio 125 Premium Oly Pla (POP) by CONEXIS

3 Participatio & Cotributio Requiremets Participatio ad Cotributio Requiremets Detal 1-2 Employees: 100% of all employees. All groups must iclude at least oe detal erolled employee who is ot a busiess ower or spouse of busiess ower Employees: 70% of eligible employees erollig i CaliforiaChoice. Miimum depedet participatio is 0%. If you are offerig Buy-Up Detal Plas to your employees, it is required that you pay at least of the employee oly premium of the lowest cost pla offered. If Volutary Prepaid Detal 3000 is selected, o employer cotributio or miimum participatio is required. Life Isurace If purchasig the life optio, 100% participatio is required. Therefore, ALL employees eligible for medical coverage (eve those waivig medical), must eroll i life. 100% of the premium will be the employer s resposibility. At iitial erollmet you may select either: 1. Oe flat amout offered equally to all em ploy ees ($10,000 miimum i $5,000 icremets). 2. Differet isurace amouts ($5,000 icremets) for up to 4 employee classificatios with the highest amout of isurace o greater tha 2.5 times the lowest amout selected. If addig life after iitial erollmet, you may select oe flat amout offered equally to all employees ($5,000 miimum i $5,000 icremets). ChiroPlus Program This program requires the employer to cotribute 100% with all CaliforiaChoice medically erolled employees participatig. 2

4 Detal 3000 Prepaid Beefit Summary Detal Pla 3000 by SmileSaver SM - Prepaid Detal Pla (Also available as a Volutary Pla) This is a summary of beefits for the Detal Pla 3000, a prepaid detal pla offered through CaliforiaChoice. To be eligible, your busiess must be located withi the pla service area show below. Employees erolled i the Detal Pla 3000 eed to choose a participatig detist from the SmileSaver SM etwork (Employees ca look up a detist through the Olie Provider Directory at These detists will provide detal care for ay employee ad depedets who are erolled i the pla. Summary of Beefits ad Member Copays Office Visits Durig regular hours... No charge Emergecy office visit (After regular hours )... $ Diagostic Comprehesive oral exam... No charge Periodic oral exam... No charge Oral hygiee istructio... No charge X-rays, complete series... No charge Bitewig X-rays... No charge Prevetive Teeth cleaig - adult (1 every 6 moths)... No charge Teeth cleaig - child (1 every 6 moths)... No charge Restorative Amalgam Restoratios Primary teeth - Cavities - 1 surface... $ 9.00 Cavities - 2 surfaces... $ Cavities - 3 surfaces... $ Cavities - 4 or more surfaces... $ Amalgam Restoratios Permaet teeth - Cavities - 1 surface... $ 9.00 Cavities - 2 surfaces... $ Cavities - 3 surfaces... $ Cavities - 4 or more surfaces... $ Resi Restoratios Permaet teeth - Composite resi - 1 surface, aterior tooth... $ Composite resi - 2 surfaces, aterior tooth... $ Composite resi - 1 surface, posterior tooth... $ Composite resi - 2 surfaces, posterior tooth... $ Periodotics Gigivectomy/gigivoplasty, per quadrat... $ Periodotal scalig/root plaig - per quadrat... $ Crows* Crow - porcelai with metal (aterior)... $ Crow - porcelai with metal (posterior)... $ Crow - full cast metal...$ Crow - stailess steel (primary or permaet)...$ Edodotics Sigle root caal therapy (aterior)... $ Bi-root caal (bicuspid)... $ Molar root caal... $ Detures ad Partials Complete upper or lower deture... $ Immediate upper or lower deture... $ Partial upper or lower, acrylic base (icludig covetioal clasps ad rests)... $ Oral Surgery (extractios) Sigle tooth... $ Each additioal tooth... $ Surgical removal of erupted tooth... $ Soft tissue impactio... $ Partial boy impactio... $ Orthodotics** Orthodotics - adult full upper ad lower baded case... $ 1, Orthodotics - child (Up to age 19) full upper ad lower baded case... $ 1, * Cost of high oble metal (gold, etc.) may be charged extra whe used. Not to exceed actual laboratory cost of metal. ** 24 moth treatmet Prepaid Detal Pla 3000 Service Area Ad withi the followig ZIP Codes i these couties: Detal coverage is available throughout these cou ties: Alameda Cotra Costa Freso Imperial Ker Los Ageles Mari Moterey Napa Orage Riverside Sacrameto Sa Berardio Sa Diego Sa Fracisco Sa Joaqui Sa Luis Obispo Sa Mateo Sata Barbara Sata Clara Sata Cruz Sooma Tulare Vetura Amador: Butte: 95914, 95917, Colusa: El Dorado: 95630, 95667, Humboldt: 95501, 95502, 95521, 95525, 95534, 95536, 95537, 95540, 95547, 95549, 95550, 95551, Kigs: 93230, Madera: 93637, Mariposa: Medocio: 95427, Merced: 95301, 95303, 95312, 95315, 95317, 95333, 95334, 95339, 95340, 95341, 95342, 95343, 95344, 95348, Placer: 95603, 95616, 95650, 95661, 95677, 95678, Sa Beito: 95023, 95024, 95043, Shasta: 96001, 96002, 96003, 96007, 96019, 96022, 96033, 96047, 96062, 96073, 96079, 96087, 96089, Solao: 94510, 94533, 94535, 94585, 94589, 94590, 94591, 95620, 95687, Staislaus: 95307, 95319, 95328, 95350, 95352, 95353, 95354, 95355, 95356, 95361, 95367, 95368, 95380, 95381, Sutter: 95659, 95668, 95674, 95676, 95953, 95957, 95982, Yolo: 95605, 95616, 95691, Yuba: 95369, 95692, 95901, 95918, 95919,

5 Detal 1000 Prepaid Beefit Summary Detal Pla 1000 by SmileSaver SM - Prepaid Detal Pla This is a summary of beefits for the Detal Pla 1000, a prepaid detal pla offered through CaliforiaChoice. To be eligible, your busiess must be located withi the pla service area show below. Employees erolled i the Detal Pla 1000 eed to choose a participatig detist from the SmileSaver SM etwork (Employees ca look up a detist through the Olie Provider Directory at These detists will provide detal care for ay employee ad depedets who are erolled i the pla. Summary of Beefits ad Member Copays Office Visits Durig regular hours... No charge Emergecy office visit (After regular hours )... $ Broke appoitmet (Without 24 hour otice)... $ Diagostic Comprehesive oral exam... No charge Periodic oral exam... No charge Oral hygiee istructio... No charge X-rays, complete series... No charge Bitewig X-rays... No charge Prevetive Teeth cleaig - adult (1 every 6 moths)... No charge Teeth cleaig - child (1 every 6 moths)... No charge Restorative - Amalgam Restoratios Primary teeth Cavities - 1 surface... No charge Cavities - 2 surfaces... No charge Cavities - 3, 4 or more surfaces... No charge Amalgam Restoratios Permaet teeth Cavities - 1 surface... No charge Cavities - 2 surfaces... No charge Cavities - 3, 4 or more surfaces... No charge Resi Restoratios Permaet teeth Composite resi - 1 surface, aterior tooth... $ Composite resi - 2 or 3 surfaces, aterior tooth... $ Composite resi - 1 surface, posterior tooth... $ Composite resi - 2 surfaces, posterior tooth... $ Periodotics Gigivectomy/gigivoplasty, per quadrat... No charge Periodotal scalig/root plaig - per quadrat...$ Crows* Crow - porcelai with metal (aterior)... $ Crow - porcelai with metal (posterior)... $ Crow - full cast metal... $ Crow - stailess steel (primary or permaet)... No charge Edodotics Sigle root caal therapy (aterior)... $ Bi-root caal (bicuspid)... $ Molar root caal... $ Detures ad Partials Complete upper or lower deture (each)... $ Immediate upper or lower deture (each)... $ Partial upper or lower, acrylic base (icludig covetioal clasps ad rests) (each)... $ Oral Surgery (extractios) Sigle tooth... No charge Each additioal tooth... No charge Surgical removal of erupted tooth... No charge Soft tissue impactio... No charge Partial boy impactio... No charge Orthodotics** Orthodotics - adult full upper ad lower baded case... $1, Orthodotics - child (Up to age 19) full upper ad lower baded case... $1, * Cost of high oble metal (gold, etc.) may be charged extra whe used. Not to exceed actual laboratory cost of metal. ** 24 moth treatmet Prepaid Detal Pla 1000 Service Area Ad withi the followig ZIP Codes i these couties: Detal coverage is available throughout these cou ties: Alameda Cotra Costa Freso Imperial Ker Los Ageles Mari Moterey Napa Orage Riverside Sacrameto Sa Berardio Sa Diego Sa Fracisco Sa Joaqui Sa Luis Obispo Sa Mateo Sata Barbara Sata Clara Sata Cruz Sooma Tulare Vetura Amador: Butte: 95914, 95917, Colusa: El Dorado: 95630, 95667, Humboldt: 95501, 95502, 95521, 95525, 95534, 95536, 95537, 95540, 95547, 95549, 95550, 95551, Kigs: 93230, Madera: 93637, Mariposa: Medocio: 95427, Merced: 95301, 95303, 95312, 95315, 95317, 95333, 95334, 95339, 95340, 95341, 95342, 95343, 95344, 95348, Placer: 95603, 95616, 95650, 95661, 95677, 95678, Sa Beito: 95023, 95024, 95043, Shasta: 96001, 96002, 96003, 96007, 96019, 96022, 96033, 96047, 96062, 96073, 96079, 96087, 96089, Solao: 94510, 94533, 94535, 94585, 94589, 94590, 94591, 95620, 95687, Staislaus: 95307, 95319, 95328, 95350, 95352, 95353, 95354, 95355, 95356, 95361, 95367, 95368, 95380, 95381, Sutter: 95659, 95668, 95674, 95676, 95953, 95957, 95982, Yolo: 95605, 95616, 95691, Yuba: 95369, 95692, 95901, 95918, 95919,

6 Detal Prepaid 3000 ad 1000 Exclusios & Limitatios Detal Prepaid Pla 3000 ad 1000 Exclusios & Limitatios All treatmet of fractures ad dislocatios. Detal treatmet must be received from the Member s participatig detal office uless exceptio is specifically authorized i writig by the Pla. Routie ad periodic examiatios are limited to oce every 6 moths per erolled Member. Extractio for orthodotic purposes. Detal procedures ad charges icurred as part of implats (placemet or removal) ad prosthetic devices placed o implats (fixed or removable). Example: bridges, crows, detures. Prophylaxis procedures are limited to oce every 6 moths. Replacemet of lost or stole detures, crow ad bridgework or other detal appliaces. Bitewig radiographs (x-rays) i cojuctio with periodic examiatios are limited to oe series films i ay 12 cosecutive moth period. Full mouth radiographs (x-rays) i cojuctio with periodic examiatios are limited to oce every 3 years. Paoramic films are limited to oce every 3 years. Fluoride treatmet is limited to erolled Members uder the age of 18 years oce every 6 moths. Periodotal scalig ad root plaig, ad/ or sub-gigival curettage, ad periodotal maiteace procedures are limited to oe course of therapy durig ay 12 moth period. The followig detal services ad procedures are ot icluded i the Detal Pla 3000 or 1000: Ay procedure ot specifically listed as a covered beefit. Detal treatmet or expeses icurred i coectio with ay detal procedures started prior to the Member s effective date uder this Pla or after termiatio of the Member s coverage. Example: teeth prepared for crows, root caal treatmet i progress, etc. Detal treatmet or procedures requirig or associated with fixed prosthodotic restoratios (other tha those for replacemet of structure lost due to decay) whe part of extesive oral rehabilitatio or recostructio. Diagosis or treatmet by ay method of ay coditio related to the jaw joit, TMJ or associated musculature, erves or other tissues. A detal treatmet pla, which, i the opiio of the Participatig Detist, is ot medically ecessary, will ot produce a beeficial result or has a poor progosis. Ay corrective treatmet required as a result of detal services performed by a oparticipatig detist while this coverage is i effect ad ay detal services started by a o-participatig detist will ot be the resposibility of the participatig detal office or the Pla for completio or compesatio. This is a summary of Exclusios & Limitatios Oly. For a complete listig, please see the Evidece of Coverage. 5

7 Detal PPO 3000, 3500, 4000 & 5000 Beefit Summaries Detal Plas PPO 3000, 3500, 4000 & 5000 by Ameritas Group This is a summary of beefits for the PPO 3000 & 3500 ad PPO 4000 & 5000 uderwritte by Ameritas Group, a divisio of Ameritas Life Isurace Corp. PPO 3000 PPO 3500 PPO 4000 PPO 5000 Pla Beefits I-Network^ Out-of-Network^ I-Network^ Out-of-Network^ I-Network Out-of-Network I-Network Out-of-Network Aual Maximum $1,000 $600 $1,000 1 $1,000 1 $1,200 1 $1,000 1 $1,600 1 $1,300 1 Aual Deductible Prevetive Care Prevetive Basic Major** (12 mo. wait period) Edo/Perio Fusio Visio Reimbursemet Aual Maximum $50 (Max 3x/Fam) $100 (Max 3x/Fam) $50 (Max 3x/Fam) $50 (Max 3x/Fam) $25 (Max 3x/Fam) $75 (Max 3x/Fam) Ded. waived 100% ** Ded. waived ** Ded. waived 100% /90%/100%* ** Ded. applies Ded. waived $25 (Max 3x/Fam) $75 (Max 3x/Fam) Ded. waived Out-of-Network beefits are reimbursed at UCR. * Submit oe covered detal claim each year ad your Basic procedures will advace to the 90% level the followig pla year ad to 100% o the third year. ** 12 moth waitig period applies. Waitig period will be waived for Groups with 10+ employees ad 12 moths cotiuous uiterrupted detal coverage o previous pla. *** Aual maximum per caledar year to sped at ay eye care provider. File claim with Ameritas Group for reimbursemet. 1 Aual maximum is a detal/visio combied beefit; you choose how to sped your maximum - it may be used toward detal ad/or eye care expeses with a maximum of $100 toward eye care expeses. 100% ** 100% /90%/100%* Ded. applies ** 100% /90%/100%* N/A $100*** $100*** $100*** Ded. applies ** Please Note: Employer must cotribute at least of the employee premium of the lowest cost detal pla beig offered. Employees with other group coverage are ot couted towards participatio uless employer cotributio is 100%. All groups without comparable detal coverage are subject to the waitig periods for major ad ortho. Detal Rewards by Ameritas Group Members who visit the detist ad use oly a portio of their aual maximum beefit i a year are rewarded with additioal beefits for the followig year. Based o the pla selected, members ca ear additioal moey toward their ext year s aual maximum beefit if they use less tha half of the aual maximum, they ca icrease their ext year s coverage by $250 ad ear a additioal $100 to $150 if they visit a etwork provider. For more iformatio o Detal Rewards, please visit (Detal Rewards is a registered service mark of Ameritas Life Isurace Corp. ad is used with permissio.) Carry Over Amout PPO Bous Beefit Threshold Maximum Carry Over Amout PPO 3000 PPO 3500 PPO 4000 N/A N/A N/A N/A $250 $100 $500 $250 $100 $500 For orthodotia, please see ext page PPO 5000 $250 $150 $750 6

8 Detal PPO 3000, 3500, 4000 & 5000 Beefits (cotiued) / Exclusios & Limitatios Detal Plas PPO 3000, 3500, 4000 & 5000 by Ameritas Group Orthodotia is a optioal beefit selected for the etire group by the employer. Optioal Orthodotia Orthodotia (24 mo. wait period)** Aual Maximum Lifetime Maximum PPO 3000 I-Network Out-of-Network PPO 3500* I-Network Out-of-Network Noe Noe Optioal Orthodotia Orthodotia (24 mo. wait period)** Aual Maximum Lifetime Maximum PPO 4000* I-Network Out-of-Network Noe Noe PPO 5000* I-Network Out-of-Network Noe Noe Note: Treatmet must begi prior to 19th birthday. * Available to groups of 5 or more eligible employees. ** 24 moth waitig period applies. Waitig period will be waived for groups with 10+ employees ad 24 moths cotiuous uiterrupted orthodotia coverage o previous pla. PPO 3000, 3500, 4000 & 5000 Exclusios & Limitatios No beefits will be paid for expeses icurred: For overdetures ad associated procedures. For charges i excess of those cosidered reasoable ad customary. For cosmetic procedures. For the replacemet of detures, bridge ilays, olays or crows that ca be repaired or restored to ormal fuctio. For implats ad: Replacemet of lost or stole appliaces Replacemet of retaiers Athletic mouthguards Precisio or semi-precisio attachmets Detal duplicatio or sealats For oral hygiee istructios ad: Plaque cotrol Completio of a claim form Acid etch Missed appoitmets Prescriptio of take home fluoride Diagostic photographs For services ot completed whe isurace eds, except that certai services which bega while isured may be covered if completed withi 31 days of termiatio of coverage. For procedures that have begu but have ot bee completed. For services ad treatmet provided at o charge, with or without isurace coverage. For services i coectio with war or ay act of war, whether declared or udeclared, or coditio cotracted or accidet occurrig while o full-time active duty i the armed forces of ay coutry or combiatio of coutries. For a coditio covered uder ay Workers Compesatio Act or similar law. That are applied toward satisfyig a deductible. That are geerally cosidered by the detal professio as experimetal or ivestigatioal. For the treatmet of cleft palate ad aodotia. For services or supplies payable uder ay medical expese pla. For orthodotia, uless icluded withi Coverage Schedule. Prior to the date the isured is covered uder the policy. For the diagosis or treatmet of TMJ. For hospital services. For ay child 26 years of age ad over. Durig ay waitig period we require, whe you volutarily ed your isurace ad re-eroll at a later date. Your waitig period is 2 years ad begis o the date your coverage first eded. Charges for ifectio cotrol, sterilizatio ad waste disposal. This is a summary of Exclusios & Limitatios Oly. For a complete listig, please see the Evidece of Coverage. 7

9 Chiropractic/Acupucture & Employee Welless Chiropractic/Acupucture by Ladmark Healthpla Ladmark Healthpla Chiropractic ad Acupucture beefits are available for a low mothly fee with copays as low as $15 per visit for up to 20 visits per pla year with FREE persoalized health coachig ad educatio services through its WellCall program. WellCall is the atio s leader i persoalized health maagemet services ad ca help you: Reduce employee abseteeism. About half of all employee abseteeism is due to prevetable illess ad job-related stress. Improve employee productivity. O average, WellCall s services save members almost 16 hours of work time. Reduce healthcare costs 70% of health claims are due to prevetable illess. Office Visits Icludes examiatios, maipulatio, cojuctive physiotherapy ad X-Rays Pla 1 Chiro Oly $15 Copay Per Visit Maximum - 20 Visits Per Pla Year Pla 2 Chiro ad Acupucture $15 Copay Per Visit Maximum - 20 Visits Per Pla Year (combied betwee Chiropractic ad Acupucture) Acupucture Treatmet Herbal Therapies* $15 Copay Per Visit $5 Copay Per Bottle (Maximum $500 per pla year) Chiropractic Discouts Office Visits Examiatios Adjustmets Diagostic Procedures & X-Rays Chiropractic Medical Appliaces I additio to the 20 office visits for $15 each, members will receive additioal discouts through Ladmark Healthpla s etwork of providers. These additioal discouts are listed below, but are ot limited to: Miimum 25% Discout for Professioal Services Miimum 25% Discout for Professioal Services Acupucture Discouts Office Visits Examiatios Diagostic Procedures All Acupucture Procedures (Icludes electro-acupucture, moxibustio, acupressure ad cuppig) Miimum 20% Discout for Professioal Services WellCall Welless Referral ad Couselig Services Health ad Welless Referral ad Couselig Services WellCall provides resources or iformatio to meet virtually ay eed for prevetive health ad welless assistace, icludig weight maagemet, fitess & exercise, smokig cessatio, havig a healthy pregacy, paretig, ad health self-maagemet. Log o to or call * Herbal Therapies are for oral igestio or exteral applicatio of aturally occurrig botaical, aimal, or mieral substaces to support ormal structure ad fuctio of the huma body accordig to the priciples of traditioal Orietal medicie. 8

10 Life Isurace/AD&D Life Isurace/AD&D by Assurity Life Isurace Compay This beefit allows you to help your employees provide for loved oes i the evet of death. Pla advatages iclude: A $10,000 miimum life isurace amout ad higher guarateed issue amouts (based o employee participatio). Employee Participatio Iitial Erollmet Guarateed Issue* Maximum $25,000 $50,000 $ 75, After Iitial Erollmet Eligible Employees Guarateed Issue Life Amouts Up To: $5,000 $10,000 $25,000 $50,000 Partial paymet of the life isurace amout to termially ill through the Livig Beefits Provisio. Accidetal Death & Dismembermet Beefit this provisio pays a additioal amout equal to the life isurace amout (Loss must occur withi 90 days of ac ci det). Disability Waiver of Premium: Disability prior to age 60 - beefits to age 65. Coversio Privilege - withi 31 days of termiatio, o medical exam. Life isurace amouts are subject to the followig reductios: Reductio Schedule Age of Isured % of coverage prior to age 70 70% 40% * Life isurace coverage is oly guarateed issue whe elected at time of iitial e roll met by group with CaliforiaChoice. NOTE: A suicide exclusio applies to life isurace amout durig the first 2 years ad to AD&D at ay time. 9

11 Sectio 125 Premium Oly Pla Sectio 125 Premium Oly Pla (POP) by CONEXIS, a divisio of Wage Works, Ic. This iovative beefit helps employees pay for their share of health pre mi ums with pre-tax icome. This results i less taxes paid by employees, ad lower payroll taxes ad Workers Com pe sa tio costs for the employer. Other POP Pla advatages: Pre-tax deductio allows employees to take home more moey Employee tax savigs make it easier for them to assume a larger share of the premium or buy-up to the beefit desig of their choice Here is a sample breakdow of savigs offered by a Premium Oly Pla (POP): Employer Savigs Based o 30 employees, average $2,000/mo. salary Before POP Pla With POP Pla Employee Salary $ 2,000 $ 2,000 Employee Premium Cotributio $ 0 $ 150 Taxable Salary $ 2,000 $ 1,850 FICA at 7.65% $ 153 $ 141 Workers Comp (Average 3%) $ 60 $ 55 Total Employee Payroll Cost $ 2,213 $ 2,196 Mothly per employee savigs: $ 17 Aual employee savigs: $ 204 1st year savigs with 30 employees: $ 6,120 Employee Savigs Savigs per employee, based o $2,000/mo. salary Employee Salary $ 2,000 $ 2,000 Tax Free Beefit Expeses $ 0 $ 150 (Redirected from salary o pre-tax basis) Before POP Pla With POP Pla Taxable Salary $ 2,000 $ 1,850 Taxes & FICA (Average 25%) $ 500 $ 462 Take Home Pay $ 1,500 $ 1,388 After-Tax Premium Cotributio $ 150 $ 0 Spedable icome: $ 1,350 $1,388 Employee mothly icrease: $ 38 Aual icrease ad $0 raise: $ 456 About CONEXIS, a divisio of Wage Works, Ic. For more tha 20 years, CONEXIS has delivered a wide rage of employee beefit admiistratio solutios to employers, third party admiistrators (TPAs), busiess outsourcig parters ad health plas across the atio. Specializig i the complex areas of admiistratio ad compliace, its expertise icludes COBRA ad HIPAA Admiistrative Services; Direct Bill Services for Retirees, Leave of Absece (LOA) ad Family Medical Leave Act (FMLA); ad Flexible Beefits Admiistratio, icludig Sectio 125 Flexible Spedig Accouts (FSA), Sectio 132 Trasportatio Plas, Sectio 105 Health Reimbursemet Arragemets (HRA), ad Health Savigs Accouts (HSA). CONEXIS was the atio s first outsourcig provider to offer beefits admiistratio o a sigle Web-based, fully itegrated system ad is the oly beefits admiistrator to offer performace stadards ad guaratees to all cliets, regardless of size. For more iformatio, visit the compay s website at 10

12 Healthcare for the way WE LIVE CC