1. benefits in a flashMiramed Open Enrollment 2013Miramed 2013

2. Welcome Miramed Employees!Welcome to your 2013 Open Enrollment. Miramedvalues you and is offering a comprehensive benefitspackage.Weve partnered with Austin Financial Group to help you understand your benefits during open enrollment and throughout the year.Table of ContentsNext 3. How to Use this Guide This guide is interactive! Click Next at the bottom right corner to advance to the next page Click Table of Contents to go back and select a new page Voice instructions will walk you through each slide in depth to help you betterunderstand your benefit selections By selecting Learn More throughout this presentation, a guide will opendiscussing the topic of your choice either in a pdf or video format These resources are also available to you for quick view in our Resources folder of the Miramed Benefits in a Flash driveTable of Contents Next 4. Table of Contents Overview of changes from last year Medical Prescription Drugs Vision Dental Life and Accidental Death and Dismemberment (AD&D) Voluntary Life Insurance Voluntary Short Term Disability Voluntary Long Term Disability Flexible Spending Account Where do I get more info? Next steps Contact infoTable of Contents Next 5. Key Points for 2013 Open Enrollment Whats changed? Medical Modifications have been made to the office visit copays, prescription drug copays and the contributions Dental The dental plan will be moving from Delta Dental to BCBSM Voluntary Life and Disability: Special one-time enrollment opportunity without medical questionsTable of Contents Next 6. Available Medical Plans Blue Care Network (HMO) Healthy Blue Living Must select a Primary Care Physician (PCP) Must complete the BCN Qualification Form and online Health Assessment toremain in the Enhanced plan. Standard Plan: BCBSM Simply Blue PPO Plan offers both in an out of network benefits, however you receive thehighest level of coverage when going to an in network provider.Premier Plan: BCBSM Simply Blue HRA Similar coverage to the Standard plan, however you pay less of the deductible. A Health Reimbursement Arrangement (HRA) has been established with eFlex Group.Table of ContentsNext 7. Blue Care Network (HMO) Healthy Blue LivingTable of ContentsNext 8. Standard Plan: BCBSM Simply Blue PPOTable of Contents Next 9. Premier Plan: BCBSM Simply Blue HRATable of ContentsNext 10. Available Prescription Drug Plans Blue Care Network (HMO) Healthy Blue Living Enhanced Plan: $15 Generic, $50 Brand Standard Plan: $20 Generic, $60 Brand Standard Plan: BCBSM Simply Blue PPO $20 Generic, $60 Formulary; 50% Non-Formulary ($80 Minimum, $100 Maximum) Premier Plan: BCBSM Simply Blue HRA $20 Generic, $60 Formulary; 50% Non-Formulary ($80 Minimum, $100Maximum)Table of Contents Next 11. Available Prescription Drug Plans All plans include contraceptive medications All plans include Medco Mail Order program A covered individual can receive a 90 day supply for two copays Mail order drugs arrive at your home within 10-14 days Best suited for individuals that will be using a prescription for anextended period of time All plans include the 90 Day Retail Pharmacy Program Prescriptions must be written for a 90 day supply Your pharmacy must participate in this programTable of Contents Next 12. Available Vision PlanThe vision plan is only available to those who are enrolled in the medicalplan.Table of ContentsNext 13. Available Dental Plans The dental plan has been moved from Delta Dental to BCBSM of Michigan. Dental Low Plan: $50 Single Deductible, $150 Family Deductible Major services and Orthodontics are NOT covered Dental High Plan: $50 Single Deductible, $150 Family Deductible Major services and Orthodontics ARE covered Higher annual maximum per personTable of Contents Next 14. Dental Low Plan:Table of ContentsNext 15. Dental High Plan:Table of Contents Next 16. Life and Accidental Death &Dismemberment (AD &D) Coverage Coverage paid for by MiraMed Global Services Benefit is equal to 2x your Base Annual Earnings up to $200(k)Table of Contents Next 17. Voluntary Life InsuranceSPECIAL ONE TIME ENROLLMENT OPPORTUNITY Amounts up to the Guarantee Issue will NOT require Medical Questions Benefit Options Available: Employee: $10(k) increments up to 5x Salary or $500(k) Spouse: $5(k) increments up to $100(k), not to exceed 50% of employeeamount Child: $1(k) increments up to $10(k), not to exceed 50% of employee amount Cost is based on the employee age Premiums will be deducted from your payroll check on a post tax basisTable of ContentsNext 18. Voluntary Short Term DisabilityCoverageSPECIAL ONE TIME ENROLLMENT OPPORTUNITY Replaces 60% of your base weekly earnings to a maximum of $1,500 perweek Short Term Disability Benefits Start: 1st Day of Accident 8th Day of Sickness Benefits are payable for up to 13 weeks There is a pre-existing condition limitation on this plan Premiums will be deducted from your payroll check on a post tax basisTable of ContentsNext 19. Voluntary Long Term Disability CoverageSPECIAL ONE TIME ENROLLMENT OPPORTUNITY Replaces 60% of your base monthly earnings to a maximum of $6,000 a month Long Term Disability benefits start on the 91st day There is a pre-existing condition limitation on this plan Premiums will be deducted from your payroll check on a post tax basisTable of ContentsNext 20. Flexible Spending Account Two types of spending accounts to choose from: Healthcare and Dependent Care Contributions into these accounts are taken on a pre-tax basisTable of Contents Next 21. Next Steps Review your benefit options and make your plan design decisions Complete your Enrollment Form Everyone needs to complete this form, even if you are waiving all coverage Be sure to verify your personal information is correct on the enrollment form Add in any missing information regarding yourself or your dependents Enrollment forms must be turned in to your local HumanResources Representative by DECEMBER 13, 2013Table of ContentsNext 22. SmartBenefits Online Website dedicated to MiraMed Global Services employees Log on to view the following information: Detailed Plan Summaries Employee Newsletter Employee Election Form Important Annual Notices BCN Qualification Form Instructions on how to log in has been provided in eachemployee kitTable of ContentsNext 23. Questions? If you have benefit-related questions now, or any timethroughout the year, contact your Account Manager at AustinFinancial Group, Cathy Francis! Our office can be reached at 248-594-5550 or toll free at (888) 277-0077 Cathy.francis@austinfg.com Need more information? Visit us at www.austinfg.com Connect with us onTable of ContentsNext 24. Thank You forWatchingbenefits in a flashMiramed Open Enrollment 2013Miramed 2013