In a time when you want to focus on your job and staying healthy, your PCA can help you:

Transcription

1 Understanding Your CARE Center How it Works The Healthcare Therapy Services CARE Center is easy to use, simply begin by calling During your initial call, your Personal CARE Advocate (PCA) will help solve your problem, answer your questions and talk to your doctors and insurance company to help bring you the CARE and Results you and your family deserve! When to call Pre, During and Post Use of your Benefits: In a time when you want to focus on your job and staying healthy, your PCA can help you: Resolve claims problems and billing disputes Understand your health and ancillary health benefits Locate doctors and hospitals Make sense of Prescription drug options Get estimates, negotiate fees, payment arrangements Get a better sense of treatment before you seek treatment Access wellness and other health management programs Get the most of your health care dollars

2 What is a Health Savings Account (HSA)? Your HSA allows you to save money tax-free and use the funds for qualified medical expenses for you, your spouse and your dependents. Any money you contribute, but do not use, will automatically roll over from year to year and continue to earn interest taxfree. Your HSA allows you to be in charge of your healthcare spending. Here s what you can do with your HSA: Pay for qualified medical expenses Save for future medical expenses Save money tax-free, whether or not you itemize your taxes Use HSA funds to pay for qualified out-of-pocket medical expenses- including bills not covered by insurance, such as vision and dental expenses- for you, your spouse and your dependents Start contributing to your HSA the day your healthcare plan becomes effective Make payments several ways- swipe your debit card, use online tools, etc. EASY!

3 Managing your HSA online can be easy and rewarding! You are in control. You will have access to your account 24 hours a day, 7 days a week on the website. How to set up your account: Log in with your user ID, which is provided in our welcome letter and your password, which we will send you by or USPS Sign Up for Online Benefits! Sign up to receive online statements by navigating to My Accounts>Statements. Additional details are available at Managing Your HS A> Frequently Asked Questions > Online Statements. *If you chose not to enroll in online statements, you will receive mailed paper statements and may incur a monthly paper statement fee. There are many benefits of managing your account online! Pay your healthcare bills virtually any time of the day or night with a single, simpleto-use site. Navigate to My Accounts > Make Payments to get started. View your current balance, summaries of your HSA contributions and your transaction history Sign up to receive s or text messages when a check has been processed, a deposit has been made, or your balance is above or below a certain amount Create your own categories to monitor deposits and expenses Create and customize reports just the way you need them Download your HSA transactions to Quicken and other software You can transfer money to your HS A electronically, making sure you have what you need to cover your current healthcare expenses and to save for future expenses. Navigate to My Accounts > Funds Transfer > Manage External Accounts.

4 Remember you are responsible for your Health Savings Account! You must manage your HSA in accordance with IRS regulations. HSA funds should only be used for qualified medical expenses; otherwise, you could incur a penalty and additional taxes. Contact your tax advisor or the IRS with questions or for more details Be sure to keep receipts and records of your withdrawals/distributions for tax purposes Make sure your account has a sufficient balance before you withdraw money from you HSA Contact Information YourHSASolution Contact Information: Phone yourhsa@thebancorp.com Online: Healthcare Therapy Services CARE Center Phone

5 Why preventive care is important Preventing disease, and detecting disease early if it occurs, are important to living a healthy life. And, the better your health, the lower your health care costs are likely to be. Following these guidelines, along with the advice of your doctor, can help you stay healthy. Talk to your doctor about your specific health questions and concerns, and follow his or her recommendations. If you d like more information on preventive care, visit Guidelines for maintaining your health Screening: Children ages 0 to 18 years Age Screening Test Frequency Newborn Newborn screening (PKU, sickle cell, During newborn period hemoglobinopathies, hypothyroidism) Birth-2 months Head circumference At each well-child visit Birth-2 years Length and weight At each well-child visit 2-18 years Height and weight At each well-child visit 3-4 years Eye screening Once Younger than 5 years Dental At each well-child visit

6 Range of recommended ages Catch-up immunization Certain high-risk groups Immunization schedule: children ages 0 to 6 years* Vaccine Birth 1 month 2 months 4 months 6 months 12 months 15 months 18 months months 2-3 years 4-6 years Hepatitis B HepB HepB HepB Series Rotavirus Rota Rota Rota Diphtheria, Tetanus, Pertussis Haemophilus infl uenzae type b DTaP DTaP DTaP DTaP DTaP Hib Hib Hib Hib Hib Pneumococcal PCV PCV PCV PCV PCV PCV Inactivated Poliovirus Infl uenza IPV IPV IPV IPV Infl uenza (yearly) Measles, Mumps, Rubella MMR MMR Varicella Varicella Varicella Hepatitis A HepA (2 doses) HepA Series Meningococcal MPSV4 Immunization schedule: children ages 7 to 18 years* Vaccine 7-10 years year assessment years 15 years years Tetanus, Diphtheria, Pertussis Tdap Tdap Human Papillomavirus (for females only) HPV (3 doses) HPV Series Meningococcal MCV4 MCV4 MCV4 MCV4 Pneumococcal Infl uenza Hepatitis A Hepatitis B Inactivated Poliovirus Measles, Mumps, Rubella Varicella PPV Infl uenza (yearly) HepA Series HepB Series IPV Series MMR Series Varicella Series * SOURCE: Recommended Childhood and Adolescent Immunization Schedule United States, 2006, MMWR, Morbidity and Mortality Weekly Report, Vol 54, No MM51;0, Centers for Disease Control and Prevention, Department of Health and Human Services.

7 Preventive care guidelines: adults over age18 Range of recommended ages Years of Age SCREENING Blood Pressure, Height, and Weight Obesity Cholesterol At each preventive visit At each visit Men: Every 5 years Women: Every 5 years Cervical cancer screening Chlamydia/Gonorrhea Mammography Colorectal Cancer* Annually beginning at age 18 or age of sexual activity, and every three years after three consecutive normal tests Women: every one to two years Depends on y\test Osteoporosis At age 65 Alcohol Use, Depression Periodically Vision, Hearing Periodically IMMUNIZATION Tetanus-Diphtheria (Td/Tdap) Varicella (VZV) Measles, Mumps, Rubella (MMR) Persons not already immune Every 10 years Susceptibles only-two doses Pneumococcal One dose Infl uenza Yearly Hepatitis B/Hepatitis A Meningococcal Human Papillomavirus (HPV) One dose Persons at risk For certain high-risk groups** Upper age limits should be individualized for each patient * See for U.S. Preventive Services Task Force recommendations on colorectal cancer screening and other clinical preventive services. ** High risk is defined as adults who have terminal complement deficiencies, had their spleen removed, their spleen does not function or they have medical, occupation, lifestyle or other indications such as college freshmen living in dormitory or other group living conditions. Individual health plans vary in preventive coverage. Generally, your plan should cover immunizations recommended by the Advisory Committee on Immunization Practices (ACIP) and published by the Centers for Disease Control and Prevention. For complete immunization guidelines, visit

8 How Your Health Plan Works Savings Optimization (Health Savings Account) Revolution FirstDollar Savings Optimization United Healthcare Enhanced Preventive CARE Employee Funded $1,250 Single $2,500 Family FirstDollar Benefit $2,500 Single $5,000 Family Long Term Cost Control The Healthcare Therapy Services CARE Center Make Your FirstDollar Benefits Last Longer!

9 HOW TO USE YOUR FIRST DOLLAR BENEFIT INSTRUCTIONS AT YOUR MEDICAL FACILITY: STEP 1. RECEIVE TWO CARDS. You will receive two cards in the mail, one from Ameriflex and one from United Healthcare. These cards come in a plain white envelope and look like junk mail don t throw them away! MEDICAL CARD CONVENIENCE CARD STEP 2. PRESENT ONE CARD AT YOUR MEDICAL PROVIDER. When you go to a medical provider you need to present your United Healthcare card only. You Pay $0 at the time of service. STEP 3. RECEIVE YOUR EOB FROM UNITED HEALTHCARE. APPROXIMATE TIME: 30 to 45 DAYS You will receive an Explanation of Benefits from United Healthcare. This will show you the amount you will be responsible for paying directly to your provider. Keep the EOB for your records as well as substantiation requests from Ameriflex. When you receive a substantiation request from Ameriflex you must supply your EOB for that charge within 90 days or your Ameriflex card will be temporarily deactivated. STEP 4. RECEIVE YOUR BILL FROM YOUR PROVIDER: APPROXIMATE TIME: 45 to 90 DAYS You will receive a bill from your medical provider. Verify that the amount owed matches the amount stated on your United Healthcare EOB. STEP 5. USE YOUR CONVENIENCE CARD TO RENDER PAYMENT Use your Ameriflex card number to make a payment directly to your provider. You may phone in your payment to your provider s billing department or write the payment in the credit card payment box if provided. INSTRUCTIONS AT YOUR LOCAL PHARMACY: STEP 1. PRESENT ONE CARD AT YOUR PHARMACY. For Prescribed Medication, present your pharmacist with your United Healthcare card in order to receive your network discount. STEP 2. USE YOUR CONVENIENCE CARD TO RENDER PAYMENT Present your Convenience Card to render payment. IF YOU HAVE ANY QUESTIONS CALL The Healthcare Therapy Services CARE Center

10

11

12

13

14

15

16

17

18 GROUP BENEFITS Handling life, handling losslifekeys SM services help you meet life s challenges When you choose life insurance, you re planning for your family s future assuring their comfort and securing their plans. With Lincoln Term Life Insurance, you can also access services that make a real difference now as well as in the future. LifeKeys services, included at no additional cost with all Lincoln Term Life and Accidental Death and Dismemberment Insurance policies, provide assistance to you, your family and your beneficiaries. FOR YOU AND YOUR FAMILY EstateGuidance will preparation Create your will online easily and economically. Follow a step-by-step guide through the entire process, and then use online instructions to execute your will. You can: Name an executor to manage your estate Choose a guardian for your children Specify wishes for your property Provide funeral and burial instructions GuidanceResources Online GuidanceResources Online is the place to go for articles, tutorials, streaming videos and Ask the Expert personal responses on topics such as: Law and regulations Health and wellness Money and investments Work and education Family and relationships Leisure and home Identity theft Identity theft is one of the fastest-growing crimes in the U.S. Be sure you have the information you need to recognize and prevent it. Our online resource helps you: Spot the warning signs Take steps to protect your cell phone, computer and tax records from fraud Lessen the damage and repair your credit if identity theft occurs Link to essential resources such as credit reporting bureaus, the FBI Internet Crime Complaint Center, ID Theft Resource Center, and more. You may also be eligible for beneficiary services If you develop a terminal illness and access your Accelerated Death Benefit, you will be able to use beneficiary services shown on the other side of this flier. To access LifeKeys services: Call or visit Lincoln4Benefits.com (Web ID = LifeKeys) LFE-SERV-FLI002 Insurance products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Page 1 of 2

19 FOR YOUR BENEFICIARIES Services are available for up to one year after a loss, and include: A combination totaling six in-person sessions for grief counseling, or legal or financial information and Unlimited phone counseling Assistance at a difficult time Make sure your loved ones have the support they need, should you pass away. Unlimited phone contact with master s-level grief counselors lets your beneficiaries access information, advice and referrals for topics such as: Grief and loss Stress, anxiety and depression Memorial planning information Concerns about children and teens Financial services Your beneficiaries can call one of our certified financial specialists or use online tools and resources whenever they need help with essential topics such as: Estate planning Bankruptcy Budgeting Investments Debt Legal support If your beneficiaries need quick legal information, they can call one of our in-house attorneys. Or, if they need in-depth information, guidance or representation, we ll refer them to a qualified attorney in their area. They will be eligible for a free 30-minute consultation as well as a 25% reduction in customary legal fees thereafter. They ll get expert guidance on areas such as: Estate and probate law Real estate transactions Social Security survivor and child benefits Important documents beneficiaries need Support with day-to-day concerns Through good times and bad, everyone can use assistance. LifeKeys SM services provide in-depth information and guidance on virtually any topic you can name. Your beneficiaries can call for a quick answer or take advantage of specialists who will do the research for them and provide a comprehensive, customized booklet of information. Topics include: Planning a memorial service Finding child care or elder care Selecting a mortgage Moving and relocation Making major purchases To access LifeKeys beneficiary services: Call or visit guidanceresources.com (First-time user: Web ID = LifeKeys) 2013 Lincoln National Corporation LincolnFinancial.com BP 3/13 Z01 Order code: LFE-SERV-FLI002 LifeKeys SM services are provided by ComPsych Corporation, Chicago, IL. ComPsych is not a Lincoln Financial Group company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations. EstateGuidance and GuidanceResources Online are trademarks of ComPsych Corporation. Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL1101) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. Page 2 of 2

20 Group Dental Insurance SUMMARY OF BENEFITS Sponsored by: Healthcare Therapy Services, Inc Effective date: July 1, 2014 You may choose any dentist. However, using dentists participating in the network should lower your out-ofpocket expenses. You do not need a referral to see a specialist. A list of participating dentists may be accessed at By enrolling in the dental plan you and your enrolled family members will have access to Lincoln DentalConnect SM, our free on-line dental health information Web site. If you incur dental expenses and have satisfied the benefit waiting period(s), the plan pays the following percentage of allowable expenses in excess of the deductible up to the maximum benefit. Covered dental expenses include only those services listed in your certificate. Covered expenses outside the panel service area will not exceed the policy s usual and customary allowances. Preventive Basic Major Orthodontics Deductible - Full-mouth or Panoramic X-rays - Other Dental X-rays (including periapical films) - Routine Oral Exams - Bitewing X-rays - Routine Cleanings - Fluoride Treatments - Space Maintainers for children - Sealants - General Anesthesia and I.V. Sedation - Problem Focused Exams - Consultations - Palliative Treatment (including emergency relief of dental pain) - Injections of antibiotics and other therapeutic medications - Fillings - Prefabricated Stainless Steel and Resin Crowns - Simple Extractions - Biopsy and Examination of Oral Tissue (including brush biopsy) - Prosthetic Repair and Recementation Services - Periodontal Maintenance procedures - Surgical Extractions - Oral Surgery - Endodontics (including Root Canal Treatment) - Non-surgical Periodontal Therapy - Periodontal Surgery - Bridges - Full and Partial Dentures - Denture Reline and Rebase Services - Crowns, Inlays, Onlays and related services - Orthodontic Treatment- Including Orthodontic Exams, X-rays, Extractions, Study Models and Appliances Calendar year deductible. Waived for Preventive services In-Network Out-of-Network 100% 100% 80% 80% 50% 50% 50% 50% $25 Individual $75 Family $25 Individual $75 Family Maximum Calendar year maximum for Preventive, Basic, and Major services: $1,500 $1,500 MaxRewards SM A covered person may be eligible for a rollover of a portion of the previous year's unused Annual maximum for Preventive, Basic and Major services combined based on the following: Eligible Range (claim threshold) $1 - $700 Rollover Amount Rollover Amount with Preferred Provider Maximum Rollover Account Balance $1,250 $350 per calendar year $500 per calendar year Ortho Maximum Lifetime Ortho Maximum for children: $1,500 $1,500 GLM Rev. 09/12 Dental_Grp_PPO

21 Enrolling for coverage If you do not want to enroll at this time, submit the completed waiver form to your plan administrator. If you waive coverage now and want to enroll at a later date, you will be subject to the plan s Late Entrant provision. Dependent eligibility Unmarried dependent children may be covered to age 26. Benefit waiting period Basic services: None Major services: None Orthodontics: None Exclusions This is a summary of policy exclusions. The policy contains other, more specific, exclusions and limitations not fully explained in this benefit summary. The plan does not cover services started before coverage begins or after it ends. Services must be necessary and appropriate for the claimant s condition. Benefits are limited to services specifically shown on the list of procedures included in the policy, unless coverage for additional services is required by state law. Benefits are not payable for duplication of services or for treatment by a practitioner who lives with or is related to the employee or dependent. Benefits are not payable for placement of a prosthetic, unless it is needed to replace teeth extracted while covered. Installation, maintenance or removal of implants or any related expense is excluded. Policy does not cover the cost of athletic mouth guards, appliances to correct harmful habits or the replacement of lost or stolen dental appliances. Policy excludes services for treatment of TMJ or congenital malformations, except as required by law. Benefits are not payable for veneers, cosmetic procedures or medications administered outside the dentist s office, for prescription drugs, or for analgesia, sedation, hypnosis or acupuncture administered for the purposes of alleviating anxiety or apprehension. Nitrous oxide is not covered. Plan benefits are not payable for a condition for which the claimant is eligible for benefits under worker s compensation or a similar law; or for a condition attributed to employment or military service. Coverage is not available for dental conditions caused by an act of war, self-inflicted injury, involvement in an illegal occupation, attempt to commit a felony, or active participation in a riot. If benefits for orthodontia are included, the plan does not cover any treatment plan started before coverage begins or during the benefit waiting period unless the member was receiving orthodontia benefits from this employer s previous group dental policy. In that case, Lincoln Financial will continue orthodontia benefits until the combined benefit paid by the two policies is equal to this policy s lifetime orthodontia. Plan benefits are not payable if the orthodontic appliance was installed after the age of GLM Rev. 09/12 Dental_Grp_PPO

22 Alternative benefits provision In certain situations there may be 2 or more methods of treating a dental condition. Your policy includes an alternative benefits provision that may reduce benefits to the lowest cost, generally effective and necessary form of treatment. For example, the policy covers amalgam fillings on posterior teeth even if tooth-colored fillings are used. Late entrants If you enroll more than 31 days after becoming eligible, you will be subject to the plan s Late Entrant limitation and Prior Carrier Credit will not be available. Predetermination of benefits Allows you to find the amount covered prior to having a dental procedure. We recommend that you use this service when expenses are expected to exceed $300. Claim submission Submit a claim by mail to: Lincoln Financial Group Dental Claims Processing Center P.O. Box , Orlando, FL Submit a claim by fax to: (877) For assistance or additional information Contact Lincoln Financial Group at (800) or log on to NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations. GLM Rev. 09/12 Dental_Grp_PPO

23 Group Dental Insurance SUMMARY OF BENEFITS Sponsored by: Healthcare Therapy Services, Inc Effective date: July 1, 2014 You may choose any dentist. However, using dentists participating in the network should lower your out-ofpocket expenses. You do not need a referral to see a specialist. A list of participating dentists may be accessed at By enrolling in the dental plan you and your enrolled family members will have access to Lincoln DentalConnect SM, our free on-line dental health information Web site. If you incur dental expenses and have satisfied the benefit waiting period(s), the plan pays the following percentage of allowable expenses in excess of the deductible up to the maximum benefit. Covered dental expenses include only those services listed in your certificate. Covered expenses outside the panel service area will not exceed the policy s usual and customary allowances. Preventive Basic Major Orthodontics Deductible - Full-mouth or Panoramic X-rays - Other Dental X-rays (including periapical films) - Routine Oral Exams - Bitewing X-rays - Routine Cleanings - Fluoride Treatments - Space Maintainers for children - Sealants - General Anesthesia and I.V. Sedation - Non-surgical Periodontal Therapy - Problem Focused Exams - Consultations - Palliative Treatment (including emergency relief of dental pain) - Injections of antibiotics and other therapeutic medications - Fillings - Prefabricated Stainless Steel and Resin Crowns - Simple Extractions - Biopsy and Examination of Oral Tissue (including brush biopsy) - Prosthetic Repair and Recementation Services - Periodontal Maintenance procedures - Surgical Extractions - Oral Surgery - Endodontics (including Root Canal Treatment) - Periodontal Surgery - Bridges - Full and Partial Dentures - Denture Reline and Rebase Services - Crowns, Inlays, Onlays and related services - Orthodontic Treatment- Including Orthodontic Exams, X-rays, Extractions, Study Models and Appliances Calendar year deductible. Waived for Preventive services In-Network Out-of-Network 100% 100% 50% 50% 50% 50% 50% 50% $50 Individual $150 Family $50 Individual $150 Family Maximum Calendar year maximum for Preventive, Basic, and Major services: $750 $750 MaxRewards SM A covered person may be eligible for a rollover of a portion of the previous year's unused Annual maximum for Preventive, Basic and Major services combined based on the following: Eligible Range (claim threshold) $1 - $300 Rollover Amount Rollover Amount with Preferred Provider Maximum Rollover Account Balance $500 $150 per calendar year $200 per calendar year Ortho Maximum Lifetime Ortho Maximum for children: $750 $750 GLM Rev. 09/12 Dental_Grp_PPO

24 Enrolling for coverage If you do not want to enroll at this time, submit the completed waiver form to your plan administrator. If you waive coverage now and want to enroll at a later date, you will be subject to the plan s Late Entrant provision. Dependent eligibility Unmarried dependent children may be covered to age 26. Benefit waiting period Basic services: None Major services: None Orthodontics: None Exclusions This is a summary of policy exclusions. The policy contains other, more specific, exclusions and limitations not fully explained in this benefit summary. The plan does not cover services started before coverage begins or after it ends. Services must be necessary and appropriate for the claimant s condition. Benefits are limited to services specifically shown on the list of procedures included in the policy, unless coverage for additional services is required by state law. Benefits are not payable for duplication of services or for treatment by a practitioner who lives with or is related to the employee or dependent. Benefits are not payable for placement of a prosthetic, unless it is needed to replace teeth extracted while covered. Installation, maintenance or removal of implants or any related expense is excluded. Policy does not cover the cost of athletic mouth guards, appliances to correct harmful habits or the replacement of lost or stolen dental appliances. Policy excludes services for treatment of TMJ or congenital malformations, except as required by law. Benefits are not payable for veneers, cosmetic procedures or medications administered outside the dentist s office, for prescription drugs, or for analgesia, sedation, hypnosis or acupuncture administered for the purposes of alleviating anxiety or apprehension. Nitrous oxide is not covered. Plan benefits are not payable for a condition for which the claimant is eligible for benefits under worker s compensation or a similar law; or for a condition attributed to employment or military service. Coverage is not available for dental conditions caused by an act of war, self-inflicted injury, involvement in an illegal occupation, attempt to commit a felony, or active participation in a riot. If benefits for orthodontia are included, the plan does not cover any treatment plan started before coverage begins or during the benefit waiting period unless the member was receiving orthodontia benefits from this employer s previous group dental policy. In that case, Lincoln Financial will continue orthodontia benefits until the combined benefit paid by the two policies is equal to this policy s lifetime orthodontia. Plan benefits are not payable if the orthodontic appliance was installed after the age of GLM Rev. 09/12 Dental_Grp_PPO

25 Alternative benefits provision In certain situations there may be 2 or more methods of treating a dental condition. Your policy includes an alternative benefits provision that may reduce benefits to the lowest cost, generally effective and necessary form of treatment. For example, the policy covers amalgam fillings on posterior teeth even if tooth-colored fillings are used. Late entrants If you enroll more than 31 days after becoming eligible, you will be subject to the plan s Late Entrant limitation and Prior Carrier Credit will not be available. Predetermination of benefits Allows you to find the amount covered prior to having a dental procedure. We recommend that you use this service when expenses are expected to exceed $300. Claim submission Submit a claim by mail to: Lincoln Financial Group Dental Claims Processing Center P.O. Box , Orlando, FL Submit a claim by fax to: (877) For assistance or additional information Contact Lincoln Financial Group at (800) or log on to NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations. GLM Rev. 09/12 Dental_Grp_PPO

26 Group Vision Insurance SUMMARY OF BENEFITS You may choose any provider. However, using providers participating in the network should lower your out-ofpocket expenses. A list of participating providers may be accessed at or by calling toll-free at Members may purchase mail order contact lenses online at a 10% discount. Through Laser Vision Network of America (LVNA), we can provide our members with access to discounted laser vision correction procedures. Members may choose an NCQA-credentialed surgeon from LVNA s nationwide network of more than 400 laser vision correction surgeons. Patient options, such as ultraviolet protection and progressive lenses, are offered at a 20% to 40% discount, which results in substantial member savings from the provider's usual and customary charges. Network 1 Out of Network 2 EXAM COPAY $20 Not applicable MATERIAL COPAY $20 Not applicable Service Frequencies based on the last date of service. Exam: 12 months Lenses: 12 months Frames: 24 months EYE EXAMINATION 100% Up to $40.00 EYEGLASS LENSES Single Lenses 100% Up to $40.00 Bifocal 100% Up to $60.00 Trifocal 100% Up to $80.00 Lenticular 100% Up to $80.00 As a value-added benefit, standard scratch-resistant coating is provided at no additional charge for all lenses covered in full. FRAMES 3 100% Up to $45.00 ELECTIVE CONTACT LENSES 4 Covered Contact Lens Selection (material copay applies) 100% Up to $ All other elective contact lenses (no copay) Up to $ Up to $ NECESSARY CONTACT LENSES 5 100% Up to $ This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. Eligibility Dependent - Unmarried dependent children may be covered to age 19 or to age 25, if a full-time student. Employee A full-time employee actively at work. Benefits 1. Network Benefits: Exam and materials copays and patient options are paid to the network provider by the plan participant. 2. Out-of-Network Benefits: The plan participant pays full fee to the provider and the member submits a claim for reimbursement of services rendered up to maximum allowance. There are no copays.

27 3. Frame Benefit: Our generous frame benefit applies to virtually all of the frames on the market today, and most of those are covered-in-full, with no additional cost to the member, other than applicable copay. Plan participants receive a $ retail frame allowance for frames purchased at retail chain providers, and for any frame above $130.00, the member will only pay the difference. A 30% discount is applied in excess of the allowance. 4. Elective Contact Lenses: Contact lenses are provided in lieu of eyeglasses (lenses and frame). When purchasing from the Covered Contact Lens Selection, the benefit is covered-in-full (after copay if applicable). This includes: fitting/evaluation fees contacts (including up to 4 boxes of disposables, depending on prescription and plan selected) up to two follow-up visits. Coverage for Covered Contact Lens Selection does not apply at Costco Optical, Walmart or Sam's Club locations. Contact lenses purchased with an out-of-network provider or outside of the Covered Contact Lens Selection, the materials copay does not apply, and the allowance is applied toward the fitting/evaluation fees. 5. Necessary contact lenses are determined at the eye care provider s discretion. If an out-of-network provider considers contacts necessary, members should ask their out-of-network provider to contact us concerning the reimbursement that we will make before they purchase such contacts. Exclusions The following services and materials are excluded from coverage under the Policy: Post cataract lenses; Non-prescription items; Medical or surgical treatment for eye disease that requires the services of a physician; Worker s Compensation services or materials; Services or materials that the patient, without cost, obtains from any governmental organization or program; Services or materials that are not specifically covered by the Policy; replacement or repair of lenses and/or frames that have been lost or broken; Cosmetic extras, except as stated in the Policy s Table of Benefits. Out-of-Network Claim submission To file a claim for reimbursement for Services rendered by a non-network Provider, provide the following information: Your itemized receipts; Subscriber name; Subscriber's identification number; Patient name; and Patient date of birth. Submit a claim by mail to: Claims Department Lincoln VisionConnect P.O. Box Salt Lake City, UT Submit a claim by fax to: (248) NOTE: This is not intended as a complete description of the insurance coverage offered. While benefit amounts stated in this summary are specific to your coverage, other items may summarize standard product features and not the specific features of your coverage. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describe the benefits in greater detail. Should there be a difference between this summary and the contract, the contract will govern. The Lincoln VisionConnect program is marketed by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, this program is marketed by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. Lincoln VisionConnect is a registered trademark of Lincoln National Corporation. Lincoln VisionConnect insurance products (policy series VPOL.06, VPOL.06.TX) are underwritten by UnitedHealthcare Insurance Company, and in New York, United Healthcare Insurance Company of New York.

28 Group Life Insurance SUMMARY OF BENEFITS Life and AD&D Sponsored by: Healthcare Therapy Services, Inc Effective date: July 1, 2014 Life Benefit Employee Spouse and Dependent Amount $25,000 $5,000 $2,500 Child: 14 days to 6 months $2,500 Child: 6 months to age 19 (to age 23 if full-time student) Guarantee Issue $25,000 AD&D Benefit Employee Spouse Amount $25,000 Guarantee Issue $25,000 Benefit Reduction Employee Spouse Benefits will reduce: 35% at age 65 An additional 25% of the original amount at age 70; Benefits terminate at Spouse age 70 An additional 15% of the original amount at age 75; An additional 10% of the original amount at age 80 Benefits terminate at retirement Additional Benefits See Definitions Page: See Definitions Page: Accelerated Death Benefit Seat Belt, Airbag, and Common Carrier See Definitions Page: Conversion Eligibility Employee Spouse All full-time employees working 30 or more hours per week in an eligible class are eligible for coverage on the policy effective date. A delayed effective date will apply if the employee is not actively at work. Cannot be in a period of limited activity on the day coverage takes effect. (Please see other side) GLM Rev. 4/13 Grp_LI-ADD_Dep and Cont-No Acc Plus

29 Definitions Accelerated Death Benefit AD&D Conversion Guarantee Issue Seat Belt, Airbag, and Common Carrier Limited Activity Term Life Additional Benefits LifeKeys SM Accelerated Death Benefit provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy). The death benefit will be reduced by the amount withdrawn. To qualify, you have satisfied the Active Work rule and have been covered under this policy for the required amount of time as defined by the policy. Check with your tax advisor or attorney before exercising this option. Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable. If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election must be made within 31 days of your date of termination. For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without any Evidence of Insurability requirement. Evidence of Insurability will be required for any amounts above this, for late enrollees or increase in insurance and it will be provided at your own expense. If you die as a result of a covered auto accident while wearing a seat belt or in a vehicle equipped with an airbag, additional benefits are payable up to $10,000 or 10% of the principal sum, whichever is less. If loss occurs for you due to an accident while riding as a passenger in a common carrier, benefits will be double the amount that would otherwise apply as outlined in the certificate. A period when a spouse or dependent is confined in a health care facility; or, whether confined or not, is unable to perform the regular and usual activities of a healthy person of the same age and sex. Coverage provided to the designated beneficiary upon the death of the insured. Coverage is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product. Online will & testament preparation service, identity theft resources and beneficiary assistance support for all employees and eligible dependents covered under the Group Term Life and/or AD&D policy. TravelConnect SM Travel assistance services for employees and eligible dependents traveling more than 100 miles from home. For assistance or additional information Contact Lincoln Financial Group at (800) or log on to NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations. GLM Rev. 4/13 Grp_LI-ADD_Dep and Cont-No Acc Plus

30 s Voluntary Life Insurance SUMMARY OF BENEFITS Sponsored by: Healthcare Therapy Services, Inc Effective date: July 1, 2014 Life Benefit Employee Spouse Dependent Amount Choice of $20,000 - $50,000 - $75,000 - $100,000 - $150,000 - $200,000- $250,000 - $300,000 Not to exceed 5 times your annual salary. Employees age 70 and older, maximum benefit is $50,000. Choice of $5,000 increments. Employee must elect coverage for spouse to be eligible. Not to exceed 100% of employee elected amount. Minimum Amount $20,000 $10,000 $1,000 Maximum Amount $300,000 $250,000 $10,000 Guarantee Issue for Newly Eligible Employee Current Eligible Employees $200,000 $50,000 $10,000 You or your spouse may elect or increase insurance coverage equal to 1 benefit level on a guaranteed acceptance basis during your company's defined annual open enrollment period, provided that you or your spouse have not been previously declined for coverage. 10% of the employee benefit Child: 14 days to age 23 (to age 25 if full-time student) Newborn children to age 14 days are not eligible for a benefit. Employee must elect coverage for dependents to be eligible Benefit Reduction Employee Benefits will reduce: 35% at age 65 An additional 25% of original amount at age 70 An additional 15% of original amount at age 75 An additional 10% of original amount at age 80 Benefits terminate at retirement Additional Benefits See Definition: See Definition: See Definition: See Definition: Accelerated Death Benefit Portability Conversion Seat Belt, Airbag, and Common Carrier Spouse 35% at age 65 An additional 25% of original amount at age 70 An additional 15% of original amount at age 75 An additional 10% of original amount at age 80 Benefits terminate at employee retirement Eligibility Employee Spouse and Dependents All full-time employees working 30 or more hours per week in an eligible class are eligible for coverage on the policy effective date. A delayed effective date will apply if the employee is not actively at work. Cannot be in a period of limited activity on the day coverage takes effect. GLM Rev. 4/11 VLI-ADD_Benefit_AOE

31 Healthcare Therapy Services, Inc Employee Semi-Monthly Premium Life Premium for sample benefit amounts Employee and Spouse Premiums are calculated separately. Refer to Program Specifications for your maximum benefit amounts. Benefits and premium amounts reflect age reductions. AGE Semi- Monthly Rate per $1,000 $20,000 $50,000 $75,000 $100,000 $150,000 $200,000 $250,000 $300, $0.50 $1.25 $1.88 $2.50 $3.75 $5.00 $6.25 $ $0.50 $1.25 $1.88 $2.50 $3.75 $5.00 $6.25 $ $0.60 $1.50 $2.25 $3.00 $4.50 $6.00 $7.50 $ $0.80 $2.00 $3.00 $4.00 $6.00 $8.00 $10.00 $ $1.50 $3.75 $5.63 $7.50 $11.25 $15.00 $18.75 $ $2.40 $6.00 $9.00 $12.00 $18.00 $24.00 $30.00 $ $3.60 $9.00 $13.50 $18.00 $27.00 $36.00 $45.00 $ $5.50 $13.75 $20.63 $27.50 $41.25 $55.00 $68.75 $ $9.00 $22.50 $33.75 $45.00 $67.50 $90.00 $ $ $13,000 $32,500 $48,750 $65,000 $97,500 $130,000 $162,500 $195,000 $9.75 $24.38 $36.56 $48.75 $73.13 $97.50 $ $ $8,000 $20,000 N/A N/A N/A N/A N/A N/A $9.84 $24.60 N/A N/A N/A N/A N/A N/A $5,000 $12,500 N/A N/A N/A N/A N/A N/A $6.15 $15.38 N/A N/A N/A N/A N/A N/A $3,000 $7,500 N/A N/A N/A N/A N/A N/A $3.69 $9.23 N/A N/A N/A N/A N/A N/A This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. Example: Use this formula to calculate premium for benefit amounts over $100,000. Age Semi-Monthly Rate Per $1,000 X Benefit In $1,000 s = Semi-Monthly Cost Example: 35 $.0400 X 150 = $6.00 Dependent Children Rate X = Dependent Children Rate is $.43 per month for $2,500, $.85 per month for $5,000, $1.28 per month for $7,500 or $1.70 per month for $10,000, regardless of the number of children. Premium covers all dependent children regardless of the number of children. GLM Rev. 4/11 VLI-ADD_Increment_AOE

32 Healthcare Therapy Services, Inc Spouse Semi-Monthly Premium Life Premium for sample benefit amounts Employee and Spouse premiums are calculated separately. Spouse premiums will be calculated based on Employee age. Refer to Program Specifications for your maximum benefit amounts. Benefits and premium amounts reflect age reductions. AGE Semi- Monthly Rate per $1,000 $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 < $0.13 $0.25 $0.38 $0.50 $0.63 $0.75 $0.88 $1.00 $1.13 $ $0.13 $0.25 $0.38 $0.50 $0.63 $0.75 $0.88 $1.00 $1.13 $ $0.15 $0.30 $0.45 $0.60 $0.75 $0.90 $1.05 $1.20 $1.35 $ $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $1.80 $ $0.38 $0.75 $1.13 $1.50 $1.88 $2.25 $2.63 $3.00 $3.38 $ $0.60 $1.20 $1.80 $2.40 $3.00 $3.60 $4.20 $4.80 $5.40 $ $0.90 $1.80 $2.70 $3.60 $4.50 $5.40 $6.30 $7.20 $8.10 $ $1.38 $2.75 $4.13 $5.50 $6.88 $8.25 $9.63 $11.00 $12.38 $ $2.25 $4.50 $6.75 $9.00 $11.25 $13.50 $15.75 $18.00 $20.25 $ $3,250 $6,500 $9,750 $13,000 $16,250 $19,500 $22,750 $26,000 $29,250 $32,500 $2.44 $4.88 $7.31 $9.75 $12.19 $14.63 $17.06 $19.50 $21.94 $ $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000 $20,000 $2.46 $4.92 $7.38 $9.84 $12.30 $14.76 $17.22 $19.68 $22.14 $ $1,250 $2,500 $3,750 $5,000 $6,250 $7,500 $8,750 $10,000 $11,250 $12,500 $1.54 $3.08 $4.61 $6.15 $7.69 $9.23 $10.76 $12.30 $13.84 $ $750 $1,500 $2,250 $3,000 $3,750 $4,500 $5,250 $6,000 $6,750 $7,500 $0.92 $1.85 $2.77 $3.69 $4.61 $5.54 $6.46 $7.38 $8.30 $9.23 This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. Example: Use this formula to calculate premium for benefit amounts over $50,000. Age Semi-Monthly Rate Per $1,000 X Benefit In $1,000 s = Semi-Monthly Cost Example: 35 $.0400 X 75 = $3.00 X = GLM Rev. 4/11 VLI-ADD_Increment_AOE

33 Definitions Accelerated Death Benefit AD&D Conversion Guarantee Issue Limited Activity Portability Seat Belt, Airbag, and Common Carrier Term Life Exclusion: Suicide Additional Benefits LifeKeys SM TravelConnect SM Accelerated Death Benefit provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy). The death benefit will be reduced by the amount withdrawn. To qualify, you have satisfied the Active Work rule and have been covered under this policy for the required amount of time as defined by the policy. Check with your tax advisor or attorney before exercising this option. Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable. If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election must be made within 31 days of your date of termination. For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without any Evidence of Insurability requirement. Evidence of Insurability will be required for any amounts above this, for late enrollees or increase in insurance, and it will be provided at your own expense. A period when a spouse or dependent is confined in a health care facility; or, whether confined or not, is unable to perform the regular and usual activities of a healthy person of the same age and sex. If coverage has been in force for at least 12 months, you may continue coverage for a specified period of time after your employment by paying the required premium. Portability is available if you cease employment for a reason other than total disability or retirement at Social Security Normal Retirement Age. A written application must be made within 31 days of your termination. If you die as a result of a covered auto accident while wearing a seat belt or in a vehicle equipped with an airbag, additional benefits are payable up to $10,000 or 10% of the principal sum, whichever is less. If loss occurs for you due to an accident while riding as a passenger in a common carrier, benefits will be double the amount that would otherwise apply as outlined in the certificate. Coverage provided to the designated beneficiary upon the death of the insured. Coverage is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product. Benefits will not be paid if the death results from suicide within 2 years after coverage is effective. May apply if employee contributes toward the premium. Online will & testament preparation service, identity theft resources and beneficiary assistance support for all employees and eligible dependents covered under the Group Term Life and/or AD&D policy. Travel assistance services for employees and eligible dependents traveling more than 100 miles from home. For assistance or additional information Contact Lincoln Financial Group at (800) or log on to NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations. GLM Rev. 4/11 VLI-ADD_Increment_AOE

34 Group Short-Term Disability Insurance with Core Buy-Up Option SUMMARY OF BENEFITS Sponsored by: Healthcare Therapy Services, Inc Effective date: July 1, 2014 Short-term disability is intended to protect your income for a short duration in case you become ill or injured. Eligibility Maximum Weekly Benefit Maximum Benefit Duration Elimination Period All full-time active employees working 30 or more hours per week in an eligible class are eligible for coverage on the policy effective date % of weekly salary 13 weeks Benefits begin on: 8 TH day for an accident 8 TH day for an illness Plans The core plan is paid for by your employer and there is no cost to you. If you elect the buy-up option, the cost will be deducted from your salary. Weekly Benefit Core Plan 66.67% $200 Buy-Up Option 66.67% $500 Benefit Reductions Max Benefit Your benefits may be reduced if: You are receiving benefits from any compulsory benefit, act, or law, such as a state disability plan. Enrollment (Buy-Up) You are able to take advantage of this coverage now without a health examination. You may not be offered this opportunity again. Rehabilitation Assistance Benefit Survivor Income Employees who participate in an approved rehabilitation program are eligible to receive an additional 5% of benefit. Additionally, approved program costs may be reimbursed. A benefit may be paid to your survivor if you should die while you were eligible to receive benefits under this policy. Semi-Monthly Buy-Up Premium Calculation EXAMPLE List your weekly earnings $ $500 (*Maximum covered payroll is $ Weekly) Multiply by this premium factor Your Estimated Semi-Monthly Premium $ $12.55 This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. (Please see other side) GLM Rev. 3/13 STD_Grp_Core Buy-Up