medical solutions traveler employee medical benefits

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1 medical solutions traveler employee medical benefits OPEN ENROLLMENT FOR PLAN YEAR GOLD ($500 DEDUCTIBLE) SILVER ($2,000 DEDUCTIBLE) BRONZE ($3,500 DEDUCTIBLE) Deductible Single/Family $500/$1,000 $5,000/$10,000 $2,000/$4,000 $5,000/$10,000 $3,500/$7,000 $5,000/$10,000 Coinsurance 20% 50% 30% 50% 40% 50% Out-of-Pocket Single/Family $4,000/$8,000 $10,000/$20,000 $5,000/$10,000 $10,000/$20,000 $6,350/$12,700 $10,000/$20,000 Physician Services PCP Adult $25 50% $30 50% $35 50% PCP Child (1) $0 50% $0 50% $0 50% Specialist Designated $40 50% $50 50% $60 50% Specialist Non-Designated $70 50% $80 50% $90 50% Virtual Visits $25 N/A $30 N/A $35 N/A Hospital Services Inpatient 20% 50% 30% 50% 40% 50% Outpatient Surgery 20% 50% 30% 50% 40% 50% Other Emergency Room Deductible then $250 and 20% Deductible then $250 and 30% Deductible then $250 and 40% Urgent Care $75 50% $75 50% $100 50% Pharmacy Retail Tier One $10 $10 $15 $15 $20 $20 Retail Tier Two Retail Tier Three Retail Tier Four Mail Order Tier One Mail Order Tier Two Mail Order Tier Three Mail Order Tier Four NETWORK NON-NETWORK NETWORK NON-NETWORK NETWORK NON-NETWORK $35 $35 $40 $40 $50 $50 $60 $60 $70 $70 $85 $85 $100 $100 $150 $150 $250 $250 $25 N/C $37.50 N/C $50 N/C $87.50 N/C $100 N/C $125 N/C $150 N/C $175 N/C $ N/C $250 N/C $375 N/C $625 N/C your weekly premiums: Employee/Spouse Employee/Child(ren) Family GOLD SILVER BRONZE $51.46 $ $273 $36.23 $147 $ $231 $16 $105 $ Under age 19

2 medical solutions traveler employee medical benefits the dental plan the vision plan We offer first day dental insurance! Dental benefits are effective immediately for full-time employees beginning your first day of employment at Medical Solutions or during an open enrollment period. Did you know that research suggests a link between gum disease and issues like cardiovascular disease, stroke, and diabetes? Good dental health is more than a bright smile. The DPPO plan, offered through Guardian Dental Insurance Company, gives you the freedom to choose any dentist. Just be aware, you will receive the highest level of benefits when you choose a provider in the DentalGuard network (and you won t have to pay any provider charges above the amount Guardian allows for covered services). If your dentist is out-of-network, you may have to pay for charges that are over and above usual, customary, and reasonable charges for your geographic area. We offer first day vision insurance! Vision benefits are effective immediately for full-time employees beginning your first day of employment at Medical Solutions or during an open enrollment period. With the Guardian Vision Plan, you can see an in-network provider or an out-of network provider, but your costs will be lower if you visit an in-network provider. You will not receive an ID card, but don t worry, you don t need one. Just call a VSP Signature network doctor to schedule an appointment and be sure to tell them you are a Guardian Vision member. The doctor and Guardian will handle the rest! If you visit an out-of-network provider, they will pay at the time of service and submit a claim for reimbursement. You can locate a Guardian preferred provider by visiting and selecting the VSP plan. You can locate a Guardian preferred provider by visiting The plan also features a maximum rollover benefit refer to the full benefit summary for details. DENTAL PPO IN NETWORK OUT-OF-NETWORK Calendar Year Deductible - Individual/Family Calendar Year Maximum - Per Member $50 (3 deductible max per family) $1,500 Preventive & Diagnostic Care (Deductible Waived) Routine Exams, Teeth Cleaning, Bitewing, X-rays no charge 20% Basic Care (After Deductible) Oral Surgery, Endodontics, Fillings 20% 30% Major Care (After Deductible) Inlays, Onlays, Crowns, Dentures, Bridges 50% 60% Oral Surgery, Endodontics, Fillings Orthodontic Care Child (under age 19) 50% ($1,500 lifetime max) 1 When using an out-of-network provider, you pay your coinsurance plus any amount over the usual, customary, and reasonable rate (UCR), which is the price most providers in the geographic area charge for a specific service. VISION IN NETWORK OUT-OF-NETWORK Materials Exam: Once Every 12 Months $20 copay $20 copay Plan pays up to $50 Lenses: Once Every 12 Months Plan pays up to: Single Vision $48 No charge after Bifocal materials copay $67 Trifocal $86 Lenticular $126 Frame: Once Every 24 Months Plan pays up to $130, then 20% discount Plan pays up to $48 Contacts (in lieu of glasses) Medically Necessary No charge after materials copay Plan pays up to $210 Elective Plan pays up to $130 Plan pays up to $120 MONTHLY WEEKLY CONTRIBUTION

3 traveler medical benefits premium comparisons 2018 medical insurance premiums Employee / Spouse Employee / Child(ren) Employee / Family GOLD ($500 DEDUCTIBLE) SILVER ($2000 DEDUCTIBLE) BRONZE ($3500 DEDUCTIBLE) $51.46 $ $273 $36.23 $147 $ $231 $16 $105 $ dental premiums 2018 vision premiums 2017 medical insurance premiums Employee / Spouse Employee / Child(ren) Employee / Family GOLD ($500 DEDUCTIBLE) SILVER ($2000 DEDUCTIBLE) BRONZE ($3500 DEDUCTIBLE) $49 $165 $130 $260 $34.50 $140 $110 $220 $15 $100 $75 $ dental premiums 2017 vision premiums

4 medical solutions traveler voluntary benefits Because we want to provide you with as many options and benefits as possible, Medical Solutions offers five voluntary benefits for you to opt into if you choose. All five are portable policies, so you can take them with you if you ever take a break from traveling with us. Here s a little bit about each of these voluntary benefits to help you make an informed decision! short-term disability insurance Suffering a disabling injury is no fun especially because even when the paychecks stop, the bills keep on coming. Our Short-Term Disability Insurance through Allstate helps financially protect you and your dependents when faced with a short-term disability by providing: Income protection to cover out-of-pocket expenses and lost wages Monthly payments made directly to you medical costs, daily expenses, bills, or caregiving assistance critical illness insurance When facing a critical illness or one in the family, there s enough emotional toll that worrying about finances is just one more burden in an already difficult situation. Our Critical Illness Insurance through Voya helps financially protect you and your dependents when faced with a critical illness by providing: Income and gap protection to cover out-of-pocket expenses and lost wages hospital indemnity insurance An unexpected hospital stay can really take a financial toll. Our Hospital Indemnity Insurance through Voya helps reduce the financial impact on you and your dependents when unexpected health-related events occur by providing: Income and gap protection to cover out-of-pocket expenses and lost wages accident insurance Accidents happen, but just because your body takes a hit that doesn t mean your wallet should! Our Accident Insurance through Voya helps financially protect you and your dependents when unexpected accidents occur by providing: Gap protection to cover out-of-pocket expenses due to unforeseen events pet insurance Humans love our pets like children, so it s important to be able to keep them healthy and happy! Our Pet Insurance through Nationwide helps you give your pets quality health care, no matter the cost, by providing: Access to any licensed veterinarian in the world, depending on the chosen vendor Group rates and discounts for pet medical expenses like surgeries, lab fees, routine care, and treatments. Please contact your Career Consultant with any questions about these voluntary benefits!

5 how to enroll If you do choose to make any changes or additions to your benefits elections, please log in at My.MedicalSolutions.com. Click on My Pay & Benefits then click the Elect icon. Click on Menu, hover over the Myself tab, and select Open Enrollment. Follow the steps to verify beneficiary & dependent information and make your new medical, dental, vision, and voluntary benefits elections. Next, you ll be able to see a side-by-side view of your current & new benefits elections. Once satisfied with your new elections, click Submit. You must complete any changes by November 10th. benefits contact information COMPANY GROUP NUMBER PHONE NUMBER / WEB Medical United Healthcare myuhc.com Dental Guardian guardiananytime.com Vision Guardian guardiananytime.com Short-Term Disability Allstate N/A Enrollment Call Center allstatebenefits.com/mybenefits EAP Lincoln Financial N/A guidanceresources.com UN: LFGsupport PW: LFGsupport1 401k Retirement Savings Plan Wells Fargo WF000MSU ACC, HI, CI Voya