Enrollment Packet

The Boon Group ::: www.boongroup.com

>> ENROLLMENT IS HERE! << Dear The Hertz Corporation employee: We are pleased to announce a new medical benefit plan to all current employees and their families. Health care in America is changing, and The Boon Group is leading the way. As an employee of The Hertz Corporation, you have the option to enroll in the SmartMEC plan. SmartMEC is a new plan that offers you and your family affordable, minimum essential coverage and meets the requirements for minimum essential coverage under the Affordable Care Act (ACA). In combination with the SmartMEC plan, you may also enroll in the TransChoice® Advance Plan, a supplemental hospital indemnity insurance offered by Transamerica Life Insurance Company that provides a fixed dollar amount for certain services such as hospital stays and surgical care, physician office visits, lab/X-ray and prescription drugs. There are 2 options available for this plan. The details of these plans are contained in the attached enrollment materials along with the premium you will be charged for the insurance. Page 3 Overview

Page 4 SmartMEC Benefit Details

Page 9 TransChoice® Advance Hospital Indemnity Insurance Details

Page 17 Additional Benefit Details

>>> DEADLINE TO ENROLL: You must submit any form within 30 days of your date of hire. Your benefits will become effective the 1st of the month following 60 days of employment. Please use the enclosed enrollment form to add any eligible dependents and submit your form to your HR department, or you can fax your form to (512) 339-6662 Attn: Enrollment, or email your form to enrollment@theboongroup.com. For additional questions regarding your plan, please contact Member Services at: (866) 868-4139. Representatives are available to assist you Monday through Friday 6 am – 7 pm and Saturday through Sunday 9 am – 12 pm, Central Time. Sincerely, Boon Administrative Services, Inc. Enrollment Services Team P.O. Box 9788 Austin, TX 78766 (866) 868-4139 www.boongroup.com

TransChoice® Advance with MEC Plan Benefit Overview

MEC Benefits

Plan Coinsurance

Individual Deductible

Individual Coinsurance Limit

Lifetime Maximum

ACA Required Preventive Care/Screening

HealthiestYou Telehealth Services

Minimal Individual Essential Coverage

TransChoice® Advance Fully-Insured Limited Medical Benefits Plan 1 Plan 2

Medical Outpatient

Physician Office Visit

Daily Benefit $60 $80

Maximum Days per Calendar Year 6 6

Lab and Diagnostic Testing

Daily Benefit - Outpatient Diagnostic Lab $10 $15

Maximum Days per Calendar Year 2 2

Daily Benefit - Outpatient Select Diagnostic Testing $50 $75

Maximum Days per Calendar Year 1 1

Daily Benefit - Outpatient Advanced Studies $200 $300

Maximum Days per Calendar Year 1 1

Prescription Drug Benefit

Daily Benefit - Generic $10 $20

Daily Benefit - Brand $20 $40

Combined Maximum Days per Month 2 2

Medical Inpatient

Daily In-Hospital Benefit

Daily Benefit $100 $250

Maximum days per confinement 31 31

Hospital Confinement Benefit

Daily Benefit $1,500 $2,500

Maximum Days per Calendar Year (Maximum 1 day per confinement) 1 1

Additional Benefits

Surgical & Anesthesia Indemnity Benefits

Inpatient Surgical Benefit per day of surgery (Limit 1 surgical day per calendar year) $500 $1,000

Outpatient Surgical Benefit per day of surgery (Limit 1 surgical day per calendar year) $250 $500

Outpatient Minor Surgical Benefit per day of surgery (Limit 1 surgical day per calendar year) $50 $100

When administerered Anesthesia pays an additional percent of surgical 30% 30%

Inpatient Mental and Nervous Disorder Benefit

Pays per day of confinement $100 $200

Maximum Days per Calendar Year (Maximum 60 days per lifetime) 31 31

Inpatient Drug or Alcohol Addiction Benefit

Pays per day of confinement $100 $200

Maximum Days per Calendar Year (Maximum 60 days per lifetime) 31 31

Accidental Injury Benefit (Maximum per day, 5 days per calendar year) $500 $500

First Health PPO Network Included Included

Employee Discount Card Included Included

Ancillary Benefits

Term Life with Accidental Death & Dismemberment

Employee Life and AD&D Benefits $10,000 $10,000

Spouse Life and AD&D Benefits $5,000 $5,000

Children Life Benefit $2,500 $2,500

Benefit Overview of plan features. Please see Plan Summary for detailed information about the benefits and exclusions and shall prevail over the terms of this benefit overview.

Included - See above and plan summary for benefits

100%

$0

$0

Unlimited

100%

Included

SmartMEC Plan Administered by Boon Administrative Services, Inc.

The Affordable Care Act mandates that most individuals have health insurance or potentially pay a penalty for non-compliance. Individuals are required to maintain minimum essential coverage (MEC) for themselves and their depen-dents. Benefit plans that meet these minimum essential requirements are known as MEC plans.

Minimum Essential Coverage covers 100% of the government’s listed Preventive and Wellness Benefits when you visit a network provider. Self-Insured by your employer, this coverage is designed to satisfy your individual mandate under the new health care law.

This enrollment packet contains a brief summary of benefits and services available to you for purchase through your employer. Limitations and exclusions apply.

SmartMEC Plan Administered by Boon Administrative Services, Inc.

Minimum Essential Coverage Plan — with DependentsThe following is a brief description of the benefits provided. For more detailed information and the frequency and ages for each benefit,please refer to the Schedule of Benefits.

This Plan intends to comply with the Patient Protection and Affordable Care Act’s (PPACA) requirement to offer coverage for certain preventive services without cost-sharing. To comply with PPACA, and in accordance with the recommendations and guidelines, the Plan will provide coverage for:

1. Evidence-based items or services rated A or B in the United States Preventive Services Task Force recommendations;2. Recommendations of the Advisory Committee on Immunization Practices adopted by the Director of the Centers for Disease

Control and Prevention; 3. Comprehensive guidelines for infants, children, and adolescents supported by the Health Resources and Services Administration

(HRSA); and4. Comprehensive guidelines for women supported by the Health Resources and Services Administration (HRSA).

Copies of the recommendations and guidelines may be found here: www.uspreventiveservicestaskforce.org/ or at www.healthcare.gov/preventive-care-benefits/

1. Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked;

2. Alcohol Misuse screening and counseling;3. Aspirin use for men and women of certain ages;4. Blood Pressure screening for all adults;5. Cholesterol screening for adults of certain ages or at higher risk;6. Colorectal Cancer screening for adults over 50, including bowel

preparation medications, physician charges, facility charges, anesthesia charges, specialist consultation prior to preventive colonoscopy if recommended by attending provider and polyp biopsy associated with preventive colonoscopy.

7. Depression screening for adults;8. Type 2 Diabetes screening for adults with high blood pressure

and adults who are over weight;9. Diet counseling for adults at higher risk for chronic disease;10. Fall Prevention, to include physical therapy and Vitamin D

supplementation in community dwellings, ages 65+11. Hepatitis B screening for non-pregnant adults and adolescents12. Hepatitis C screening for adults at high risk

13. HIV screening for all adults at higher risk;14. Immunizations for adults--doses, recommended ages, and

recommended populations vary: Hepatitis A; Hepatitis B; Herpes Zoster; Human Papillomavirus; Influenza (Flu Shot); Measles, Mumps, Rubella; Meningococcal; Pneumococcal; Tetanus, Diphtheria, Pertussis; and Varicella

15. Lung Cancer screening for adults ages 55-80 who smoke 30 packs per year

16. Obesity screening and intensive, multicomponent behavioral interventions including counseling as specified in the Schedule of Benefits;

17. Prostate screening including exam and Prostate Specific Antigen (PSA) test for men age 40 and over

18. Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk;

19. Syphilis screening for all adults at higher risk;20. Tobacco Use screening for all adults and cessation interventions for

tobacco users; 21. Well Adult Routine Physical Exams.

Preventive Care Services for Adults Charges for covered Preventive Services as listed below:

1. Alcohol Misuse screening and counseling for adolescents;2. Autism screening for Children at 18 and 24 months;3. Behavioral assessments for Children of all ages as specified in the

Schedule of Benefits;4. Blood Pressure screening for Children as specified in the Schedule

of Benefits;5. Cervical Dysplasia screening for sexually active females;6. Congenital Hypothyroidism screening for newborns;7. Depression screening for adolescents ages 11 – 18 as specified in

the Schedule of Benefits;8. Developmental screening for Children as specified in the Schedule

of Benefits;9. Dyslipidemia (Cholesterol) screening for Children at higher risk of

lipid disorders as specified in the Schedule of Benefits;10. Fluoride Chemoprevention as specified in the Schedule of Benefits;11. Gonorrhea preventive medication for the eyes of all newborns;12. Hearing screening for all newborns;13. Height, Weight and Body Mass Index measurements for children as

specified in the Schedule of Benefits;14. Hematocrit or Hemoglobin screening for Children;15. Hemoglobinopathies or sickle cell screening for newborns;16. HIV screening for adolescents at higher risk;17. Immunizations for Children from birth to age 18 - doses,

recommended ages, and recommended populations vary: Diphtheria, Tetanus, Pertussis; Haemophilus influenza type b; Hepatitis A; Hepatitis B; Human Papillomavirus; Inactivated

Poliovirus; Influenza (Flu Shot); Measles, Mumps, Rubella; Meningococcal; Pneumococcal; Rotavirus; and Varicella

18. Iron supplements for Children ages 6 to 12 months at risk for anemia;

19. Lead screening for children at risk of exposure;20. Medical History for all children throughout development as specified

in the Schedule of Benefits;21. Obesity screening and counseling as specified in the Schedule of

Benefits;22. Oral Health risk assessment for young Children as specified in the

Schedule of Benefits23. Phenylketonuria (PKU) screening for this genetic disorder in

newborns; 24. Prenatal and related preventative care related to the pregnancy of a

dependent child;25. Sexually Transmitted Infection (STI) prevention counseling and

screening for adolescents at higher risk;26. Skin cancer behavioral counseling for children 10-24 who have

fair skin27. Tobacco screening, counseling and cessation interventions for

children and adolescents28. Tuberculin testing for children at higher risk of tuberculosis (ages: 0

to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years); and

29. Vision screening for all Children.

Preventive Care Services for ChildrenCharges for covered Preventive Services as listed below:

SmartMEC Plan Administered by Boon Administrative Services, Inc.

1. Anemia screening on a routine basis for pregnant women;2. Aspirin for treatment of pre-eclampsia in pregnant women;3. Bacteriuria urinary tract or other infection screening for

pregnant women;4. BRCA counseling about genetic testing for women at higher

risk;5. Breast Cancer Mammography screenings every year for women

over 40;6. Breast Cancer Chemoprevention counseling for women at

higher risk;7. Breastfeeding comprehensive support and counseling from

trained providers, as well as the purchase of breast pumps, for pregnant and nursing women;

8. Cervical Cancer screening for sexually active women;9. Chlamydia Infection screening for younger women and other

women at higher risk;10. Contraception: Food and Drug Administration-approved

contraceptive methods, sterilization procedures (including facility charges, physician charges and anesthesia charges), and patient education and counseling, not including abortifacient drugs;

11. Depression screening for pregnant and postpartum women as provided in the schedule of benefits

12. Domestic and interpersonal violence screening and counseling for all women;

13. Folic Acid supplements for women who may become pregnant;14. Gestational diabetes screening for women 24 to 28 weeks

pregnant and those at high risk of developing gestational diabetes;

15. Gonorrhea screening for all women at higher risk;16. Hepatitis B screening for pregnant women at their first prenatal

visit;17. Human Immunodeficiency Virus (HIV) screening and counseling

for sexually active women;18. Human Papillomavirus (HPV) DNA Test: high risk HPV DNA

testing every three years for women with normal cytology results who are 30 or older;

19. Osteoporosis screening for women; 1 time per year, women age 65 years and older; 1 per year for younger women if recommended by a physician.

20. Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk;

21. Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users;

22. Sexually Transmitted Infections (STI) counseling for sexually active women;

23. Syphilis screening for all pregnant women or other women at increased risk; and

24. Well-woman visits to obtain recommended preventive services, including prenatal visits as specified in the Schedule of Benefits.

Preventive Care Services for Women, Including Pregnant WomenCharges for covered Preventive Services as listed below:

Limitations and ExclusionsSome health care services are not covered by the Plan. The following is an example of services that are generally not covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage.

Any medical service, treatment, or procedure not specified as covered under this Plan.

Charges for the treatment of illness or disease, or charges other than those that are:

• Evidence-based items or services rated A or B in the United States Preventive Services Task Force recommendations;• Recommendations of the Advisory Committee on Immunization Practices adopted by the Director of the Centers for Disease Control

and Prevention; • Comprehensive guidelines for infants, children, and adolescents supported by the Health Resources and Services Administration

(HRSA); and• Comprehensive guidelines for women supported by the Health Resources and Services Administration (HRSA).

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No smartphone or internet? No problem, simply call to talk to a doctor

866.703.1259

TransChoice® Advance Group Hospital Indemnity Insurance

Flexible benefits to help manage your health care expenses

TransChoice Advance® Hospital Indemnity Insurance policy pays an amount for each day the insured is hospitalized up to specific maximum limits. Benefits for other services may be payable through a series of riders. See product detail pages for more information.

Benefits may be assigned to the provider to help with the cost of care or paid directly to the insured. • Benefits for employees and eligible dependents• Benefits paid in addition to other insurance a person may have• Waiver of pre-existing condition limitations• Portability option allows team members to keep insurance after they retire or leave the job

Product Highlights • No physicals or blood work• No waiting period• Individual and family options available• No coinsurance, co-pays or deductibles• Payroll deducted

THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT. PURCHASING THIS POLICY ONLY WILL NOT SATISFY THE FEDERAL REQUIREMENT THAT INDIVIDUALS HAVE HEALTH COVERAGE.

Up to date information regarding our compensation practices can be found in the Disclosures section of our website at: www.tebcs.com

This is a brief summary of TransChoice® Advance Hospital Indemnity Insurance underwritten by Transamerica Life Insurance Company, Cedar Rap- ids, Iowa. Policy Form Series CPGHI400 AND CCGHI400. Forms and form numbers may vary. Insurance may not be available in all jurisdic- tions. Limitations and exclusions apply. Refer to the policy and riders for complete details.

TransChoice® Advance

Offered by Transamerica Life Insurance Company

The following benefits are included in the plan quoted. Unless otherwise noted, all benefits and maximums are per insured person.

Daily In-Hospital Indemnity Policy Plan 1 Plan 2

Pays each day an insured person is confined to a hospital (but not an emergency

room, outpatient stay or stay in an observation unit) as the result of a covered

accident or sickness.

$100 $250

Maximum 31 days per

confinement

31 days per

confinement

Additional Benefits Included:

Hospital Confinement Indemnity Benefit Rider (Rider Form Series CRHA0400)

Pays each day an insured person is confined to a hospital (but not an emergency

room, outpatient stay or stay in an Observation unit) as the result of a covered

accident or sickness lasting a minimum of 24 continuous hours from time of

admission. Pays maximum of 1 day per confinement.

$1,500 $2,500

Calendar Year Maximum 1 day 1 day

Inpatient Mental & Nervous Disorder Indemnity Benefit Rider (Rider Form Series CRMN0400)

Pays each day an insured person is confined, on an inpatient basis, to a hospital or

mental health facility for a minimum of 24 continuous hours as the result of a

mental or nervous disorder. Mental or nervous disorder includes neurosis,

psychoneurosis, psychopathy, psychosis, or other mental or emotional disease or

disorder of any kind.

$100 $200

Maximum 31 days per calendar year |

60 days per lifetime

Inpatient Drug & Alcohol Addiction Indemnity Benefit Rider (Rider Form Series CRDA0400)

Pays each day an insured person is confined, on an inpatient basis, to a hospital or

residential treatment facility for a minimum of 24 continuous hours as the result

of drug or alcohol addiction.

$100 $200

Maximum 31 days per calendar year |

60 days per lifetime

Surgical & Anesthesia Indemnity Benefit Rider (Rider Form Series CRSRGP00)

Pays each day an insured person undergoes surgery, as follows:

Inpatient Surgery $500 $1,000

Calendar Year Maximum 1 day

Outpatient Surgery $250 $500

Calendar Year Maximum 1 day

Outpatient Minor Surgery $50 $100

Calendar Year Maximum 1 day

If anesthesia is administered, pays an additional 30% 30%

Off-the-Job Accidental Injury Indemnity Benefit Rider (Rider Form Series CRACIN00)

Pays each day an insured person receives treatment for a covered accident.

Treatment must be provided by a physician within 96 hours of the accident. $500 $500

Maximum 1 day per accident |

5 days per calendar year

Outpatient Physician Office Visit Indemnity Benefit Rider (Rider Form Series CROPV400)

Pays each day an insured person receives outpatient treatment in a physician’s

office or at an urgent care facility as the result of a covered accident or sickness. $60 $80

Calendar Year Maximum 6 days 6 days

TransChoice® Advance

Offered by Transamerica Life Insurance Company

Outpatient Diagnostic Laboratory Test Indemnity Benefit Rider (Rider Form Series CRLAB400 )

Pays each day an insured person undergoes an outpatient laboratory test

performed for the purpose of diagnosis for a covered accident or sickness. Does

not include tests covered under any other rider.

$10 $15

Calendar Year Maximum 2 days 2 days

Outpatient Select Diagnostic Test Indemnity Benefit Rider (Rider Form Series CRSDT400)

Pays each day an insured person undergoes an outpatient X-ray, ultrasound,

Electroencephalogram (EEG), or sleep study for the purpose of diagnosis for a

covered accident or sickness.

$50 $75

Calendar Year Maximum 1 day 1 day

Outpatient Advanced Studies Diagnostic Test Indemnity Benefit Rider (Rider Form Series CRASD400)

Pays each day an insured person undergoes an outpatient Computer Tomography

(CT) Scan, Magnetic Resonance Imaging (MRI), Myelogram, Positron Emission

Tomography (PET), Angiogram, Arteriogram, or Thallium Stress Test for the

purpose of diagnosis for a covered accident or sickness.

$200 $300

Calendar Year Maximum 1 day 1 day

Prescription Drug Indemnity Benefit Rider (Rider Form Series CRRX0400)

Pays each day an insured person fills a Generic prescription, prescribed as a result

of a covered accident or sickness. $10 $20

Pays each day an insured person fills a Brand name prescription, prescribed as a

result of a covered accident or sickness. $20 $40

Combined Maximum 2 Days per

Calendar Month

2 Days per

Calendar Month

Additional Included Insurance Policies:

Group Term Life Insurance with Accidental Death & Dismemberment

(Policy Form Series CP100200 and CC100400)

Pays a death benefit when an insured person dies: Employee $10,000 $10,000

Spouse $5,000 $5,000

AD&D Not available to dependent children. Children $2,500 $2,500

Non-Insurance Benefits

PPO Network Offered by the Boon Group First Health First Health

Employee Discount Card Offered by New Benefits, Ltd. Included Included

Optional TransChoice® Advance Offered by Transamerica Life Insurance Company

Product Details Confinement for the same or related condition within 30 days of discharge will be treated as a continuation of the prior confinement. Successive confinements separated by more than 30 days will be treated as a new and separate confinement.

Off-the-Job Accidental Injury Indemnity Benefit Rider Does not pay benefits for injuries which are caused by an accident that occurs while in the course of any legal or illegal occupation, activity, or

employment for pay, benefit or profit.

Surgical and Anesthesia Indemnity Benefit Rider As an exception to the dental care or treatment exclusion above, we will pay the following dental or oral surgery procedures under this rider:

• excision of impacted third molars

• closed or open reduction of fractures or dislocation of the jaw.

Skilled Nursing Indemnity Benefit Rider We will not pay benefits under this benefit if the confinement is located in a facility outside the United States or its territories, or is rendered in a

facility owned or managed by an immediate family member.

Critical Illness Indemnity Benefit Rider Invasive Cancer does not include: Carcinoma in Situ; pre-malignant conditions or conditions with malignant potential; prostatic cancers which

are histologically described as TNM Classification T1 (including T1(a) or T1(b), or of other equivalent or lesser classification); any malignancy

associated with the diagnosis of HIV; or Skin Cancer. Skin Cancer does not include malignant melanoma or mycosis fungoides. Stroke does not

include cerebral symptoms due to: Transient Ischemic Attack (TIA); reversible neurological deficit; migraine; cerebral injury resulting from trauma

or hypoxia; or vascular disease affecting the eye, optic nerve or vestibular functions. The Subsequent Critical Illness Benefit is not payable for

Skin Cancer or Carcinoma In Situ.

Limitations and Exclusions No benefits under this contract will be payable as the result of the following:

• suicide or attempted suicide, whether while sane or insane.

• intentionally self-inflicted injury.

• rest care or rehabilitative care and treatment.

• immunization shots and routine examinations such as: physical examinations, mammograms, Pap smears, immunizations, flexible sigmoidoscopy, prostate-

specific antigen tests and blood screenings (unless Wellness Indemnity Benefit Rider is included).

• any pregnancy of a dependent child including confinement rendered to her child after birth.

• routine newborn care (unless Wellness Indemnity Benefit Rider is included).

• hospital confinement of a newborn child following the child's birth, unless the newborn child is being treated for accidental injury or sickness.

• an insured person’s abortion, except for medically necessary abortions performed to save the mother’s life or if the fetus is non-viable.

• treatment of mental or emotional disorder (unless Mental and Nervous Disorder Indemnity Benefit Rider is included).

• treatment of alcoholism or drug addiction (unless Inpatient Drug and Alcohol Addiction Indemnity Benefit Rider is included).

• participation in a felony, riot, or insurrection.

• any accident caused by the participation in any activity or event, including the operation of a vehicle, while under the influence of a narcotic

or hallucinogenic (unless administered by a physician or taken according to the physician’s instructions) or while intoxicated (intoxicated

means that condition as defined by the law of the jurisdiction in which the accident occurred).

• dental care or treatment, except for such care or treatment due to accidental injury to sound natural teeth within 12 months of the

accident and except for dental care or treatment necessary due to congenital disease or anomaly.

• sex change, reversal of tubal ligation or reversal of vasectomy.

• artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications or physician's services, unless required by law.

• committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation.

• traveling in or descending from any vehicle or device for aerial navigation, except as a fare-paying passenger in an aircraft operated by a

commercial airline (other than a charter airline) on regularly scheduled passenger trip.

• any loss incurred on active duty status in the armed forces. (If you notify us of such active duty, we will refund any premiums paid for any period

for which no benefits are provided as a result of this exception.)

• an accident or sickness arising out of or in the course of any occupation for compensation, wage or profit or for which benefits may be payable

under an Occupational Disease Law or similar law, whether or not application for such benefits has been made. (This exclusion does not apply if

the insured person is not eligible for benefits under any Occupational Disease Law or similar law.)

• involvement in any war or act of war, whether declared or undeclared.

Termination of Insurance The insurance terminates on the earliest of:

• the insured’s death.

• the premium due date when we fail to receive a premium, subject to the grace period.

• the date of written notice to cancel insurance.

• the date the policy terminates.

• the date the insured ceases to be eligible for insurance.

Dependent insurance ends on the earliest of:

• the date the insured’s insurance terminates for any of the reasons above.

• the date the dependent no longer meets the definition of a dependent.

• the premium due date when we fail to receive a premium, subject to the grace period.

• the date of written notice to cancel insurance.

• the date the policy is modified so as to exclude dependent insurance.

The insurance company has the right to terminate the insurance of any insured who submits a fraudulent claim. Termination will not impact any

claim which begins before the date of termination.

Portability Option If the employee loses eligibility for any reason other than nonpayment of premiums, insurance can be continued by paying premiums directly to us

within 31 days after termination. We will bill the employee directly once we receive notification to continue insurance.

Group Term Life Insurance Policy with Accidental Death & Dismemberment (AD&D) Rider Offered by Transamerica Life Insurance Company | SUMMARY OF BENEFITS

 Insurance is available for children 6 months and older. All children in a family will be insured for the same amount.

 

The Accidental Death & Dismemberment (AD&D) Rider is included in employee and spouse only. This rider is not available for dependent children. The AD&D insurance amount will match the amount of group term life insurance. This rider pays the following specified percentages of the insurance amount when a covered accident results in any of the following losses, not to exceed $100,000, for various types of loss or dismemberment, subject to any limitations/exclusions.

 

 COVERED LOSS

PERCENTAGE OF DEATH BENEFIT PAYABLE

Loss of life or loss of two or more members (hand, foot, sight of an eye) 100%

Quadriplegia (total and permanent paralysis of both upper and lower limbs) 100%

Loss of speech AND hearing in both ears 100%

Paraplegia (loss or paralysis of both lower limbs) 75%

Loss of one member, or loss of speech, or loss of hearing in both ears 50%

Hemiplegia (total and permanent paralysis of the upper and lower limbs of one side of the body) 50%

Loss of hearing in one ear, or loss of thumb and index finger of same hand 25%  

Only one such amount will be paid as a result of a single covered accident.  

Age Reduction Schedule Death benefits automatically reduce to the following percentages, or flat amount, on the Group Master Policy Anniversary Date that follows the applicable birthday, as follows:

 Birthday Death Benefit Payable

65th 65% of pre-age 65 death benefit 70th 50% of pre-age 65 death benefit 75th 25% of pre-age 65 death benefit 80th The lesser of $5,000 or 25% of pre-age 65 death benefit

 

EXCLUSIONS & LIMITATIONS We will not pay a death benefit if an insured person dies by suicide, while sane or insane, within two years of the date his or her insurance starts. If an insured employee or insured spouse dies by suicide, we will refund the premiums paid for the insurance. If an insured child dies by suicide, we will refund the premiums paid for the dependent child insurance only if there are no surviving insured children. If any death benefit is increased, this suicide exclusion starts anew, but will only apply to the amount of the increase.

 

The AD&D rider terminates on the employee’s 70th birthday.  

We will not pay any benefits under the AD&D Rider if the loss, directly or indirectly results from any of the following, even if the means or cause of the loss is accidental:

 

• Suicide or intentionally self-inflicted injury, while sane or insane. • Commission of or attempt to commit an assault or felony.

• Sickness or mental illness, disease of any kind, or medical or surgical treatment for any sickness, illness, or disease.

• Injuries received while the insured person is under the influence of alcohol, a controlled substance or other drugs as defined by the laws of the state where the accident occurs, except as prescribed by a doctor.

• Any poison or gas voluntarily taken, administered, absorbed, or inhaled (except in the course of employment or as a result of accidental means.)

• Flight in any kind of aircraft, except as a fare paying passenger on a regularly scheduled commercial aircraft.

• Any bacterial or viral infection if caused by accidental injury.

• Declared or undeclared war, or any act of war.

• Taking part in an insurrection.  

If more than one covered loss is sustained as a result of the same accidental bodily injury, payment shall be made for only the one loss for which the largest amount is payable.

 

This is a brief summary of Group Term Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CP100200 and CC100400;; Rider form series CR101100. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

 

         

Get the Most From Your Benefits With First Health Network Providers

As a member of a health plan that offers you the First Health Network for your medical care, you have access to a national network of providers and great savings. Using providers that participate in the First Health Network is the easiest way to maximize your benefits.

The First Health Network By going to a First Health provider, you can reduce your out-of-pocket expenses and stretch your benefit dollars. In addition:

• The First Health Network provides access to one of the nation’s largest and most respected networks.You have access to more than 5,000 hospitals, over 90,000 ancillary facilities, and over 1 million health care professionals across all 50 states, plus the District of Columbia and Puerto Rico.

• Network doctors are carefully selected to promote quality outcomes.• You have no paperwork because network doctors and hospitals file claims for you.• Your medical ID card displays the First Health Network logo so your provider identifies you as a

participating plan member.

Maximize Your Benefits Unlike non-participating doctors and hospitals, First Health Network providers have agreed to provide services for discounted fees. Therefore, you can stretch your benefits and reduce your out-of-pocket expenses by using participating First Health Network providers.

Compare network and non-network costs The following example shows how benefits would be calculated when an in-network provider is used, versus an out-of-network provider. This example is for illustration purposes only and is not specific to your plan of benefits.

Example - Office Visit First Health provider

Non-network provider

Your office visit $250.00 $250.00

Provider discount - $150.00 $0

Total charge with discount applied

$100.00 $250.00

Plan covers $80.00 $125.00

Your total responsibility

$20.00 $125.00

Find a Network Provider The most convenient way to find a doctor, hospital or other health care service provider participating in the First Health Network is by searching our online provider directory at www.firsthealthlbp.com. The electronic provider directory, available 24 hours a day, 7 days a week, includes the most detailed provider information available and is constantly updated. You can also call your administrator for assistance in locating a provider, at 1-866-868-4139.

5/13 ©2013 First Health Group Corp. All rights reserved. 17

Register today at Caremark.com to actively manage your

own health and wellness. You will need information from

your benefit ID card to register.

CVS CaremarkMail Service PharmacyA User’s Guide

©2008 Caremark. All rights reserved. 106-13586 08.08 [PP] QTY

* Copayment, copay or coinsurance means the amount a plan participant is required to pay for a prescription in accordance with a Plan, which may be a deductible, a percentage of the prescription price, a fixed amount, or other charge, with the balance, if any, paid by the Plan.

** The amount of your savings will be based on your benefit plan. Source: Generic Pharmaceutical Association’s Web site: www.gphaonline.org

www.caremark.com

Getting started is easy!1. If you need your prescription filled right away,

ask your doctor to write two prescriptions for

your long-term medicines:

• The first for a short-term supply (e.g., 30 days) to be filled right away at a participating retail pharmacy

• The second for the maximum days supply allowed (up to a 90-day supply) with as many as three refills (if appropriate) to be

mailed to CVS Caremark

2. Complete the mail service order form.

You can fill out and print the form online

at Caremark.com by clicking on New

Prescriptions. An incomplete form can cause

a delay in processing.

3. Mail your order form along with your

prescription(s) and payment in the envelope

provided, or use your own envelope to mail

the form and payment to the CVS Caremark

Mail Service Pharmacy address printed on

the form. You can pay using an electronic

check, Bill Me Later®, or credit card (VISA®,

MasterCard®, Discover® or American Express®).

Or you can pay by check or money order. Do

not send cash.

4. Allow up to 10 days from the day you submit

your order for delivery of your medicine.

If you’re not in a hurry to get your medicine,

then just get a 90-day prescription from your

doctor to send to CVS Caremark.

• Order the fastest refills

• Check drug cost

• View prescription history

• Find a participating local pharmacy

• Contact a pharmacist

Caremark.com puts the power in your hands.

Tips for saving time and money.1. Ask your doctor about generic medicines. Research

shows that you can save an average of 30% to 80%**

when you fill your prescriptions with a generic instead

of a brand-name drug.

2. If your prescription benefit program has a

Preferred Drug List, print a copy of the list from

Caremark.com and take it with you to your doctor’s

office. Using medicines on this list may save you and

your prescription plan money.

3. Make sure the prescription you receive from your doctor

is legible. It should include the patient’s full name,

the prescribing doctor’s contact information and the

prescription details - including the date it was written.

Allow up to 10 days from the day you submit your

order for delivery of your medicine. Regular delivery

is free. Overnight or second-day delivery is available

for an additional charge.

Packaged for safety.Your medicine will be mailed to you in plain,

tamper-proof packaging. An order form and a

return envelope are included with every delivery. All

items in your order typically arrive in one package.

If an item is not available, CVS Caremark will contact

you to determine if you want the available items

shipped or held until all items are ready.

Special handling.Certain items require special handling and may be

shipped by a faster method at no additional cost. In

such cases, you may receive a call letting you know

your order is being shipped.

• Controlled substances and orders exceeding$1,200 in value – shipped via two-day deliveryservice. An adult signature is required for delivery.

• Temperature-sensitive items – packaged andsent using special procedures, including ice packs,

coolers, and/or express delivery when necessary.

What you will pay.Your benefit materials explain your copayment* or

coinsurance for mail service. You can receive up to

a 90-day supply of your medicine for a copay that

may be significantly less than you would pay at a

participating retail pharmacy. If you are unsure of

your cost, contact your benefit provider, call the

toll-free number listed on your benefit ID card or

in your Welcome Kit, or check drug costs on

Caremark.com.

If you will be traveling.If you need your medicine shipped to a temporary

address, you can let us know by phone, on your

order form or by updating your profile on

Caremark.com. If you need more medicine

while traveling than the quantity allowed by your

prescriber or benefit plan (i.e., more than a 90-day

supply), contact your benefit office for approval

at least 30 days before you need a refill.

If your medicine looks different.There may be times when a cost-saving generic

drug is available to treat your condition. In this

situation, you may receive the generic, unless your

doctor tells us you must receive the brand-name

medicine. A generic drug may look different, but

all generic drugs are approved by the U.S. Food

and Drug Administration to have the same active

ingredients as the brand-name medicines

To learn more about your medicine.Important information on common medicine uses,

specific instructions and possible side effects is

included with each order. If you need additional

information, visit Caremark.com or call the toll-free

number on your benefit ID card or in your

Welcome Kit.

The advantages of mail service.Your prescription benefit plan administered by

CVS Caremark includes the use of a mail service

pharmacy. If you take one or more maintenance

medicines, you may save money and time with

mail service and have your medicine conveniently

delivered to your home, office or location of choice.

With the CVS Caremark Mail Service Pharmacy, you can:• Receive an extended supply of medicine.

• Enjoy free regular delivery

• Speak to a registered pharmacist 24 hours a day,seven days a week

• Contact a pharmacist with your questions onCaremark.com

• Order prescription refills online or by phone

anytime, day or night

Convenient refill options.The information you receive with your medicine will show the date that you can request a refill and the number of refills you have remaining.

3 ways to refill:• Online – Ordering refills at Caremark.com is

convenient, fast and easy! Have your benefit ID

card handy to register.

• By Phone – Call the toll-free Customer Carenumber on your prescription label for fullyautomated refill service. Have your benefit ID

number ready.

• By Mail – You can also mail your refill request toCVS Caremark, but online and telephone orders

tend to arrive sooner.

GENERAL NOTICE CONTINUATION COVERAGE RIGHTS Introduction You are receiving this notice because you have recently become covered under a group health plan (the Plan). This notice contains important information about your right to Continuation Coverage, which is a temporary extension of coverage under the Plan. This notice generally explains Continuation Coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. When you become eligible for Continuation Coverage, you may also be eligible for other coverage options that may cost less than Continuation Coverage. Continuation Coverage can become available to you when you would otherwise lose your group health coverage. It can also become available to other members of your family who are covered under the Plan when they would otherwise lose their group health coverage. For additional information about your rights and obligations under the Plan you should review the Plan's Summary Plan Description or contact the Plan Administrator. You may have other options available to you when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower-out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse's plan) even if that plan generally doesn't accept late enrollees. What is Continuation Coverage? Continuation Coverage is a continuation of Plan coverage when coverage would otherwise end because of a life event known as a "qualifying event." Specific qualifying events are listed later in this notice. After a qualifying event, Continuation Coverage must be offered to each person who is a "qualified beneficiary." You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries who elect Continuation Coverage must pay for Continuation Coverage. If you are an employee, you will become a qualified beneficiary if you lose your coverage under the Plan because either one of the following qualifying events happens:

• Your hours of employment are reduced, or • Your employment ends for any reason other than your gross misconduct.

If you are the spouse of an employee, you will become a qualified beneficiary if you lose your coverage under the Plan because any of the following qualifying events happens:

• Your spouse dies; • Your spouse's hours of employment are reduced; • Your spouse's employment ends for any reason other than his or her gross misconduct; • Your spouse becomes entitled to Medicare benefits (under Part A, Part B, or both); or • You become divorced or legally separated from your spouse.

Your dependent children will become qualified beneficiaries if they lose coverage under the plan because any of the following qualifying events happens:

• The parent-employee dies; • The parent-employee's hours of employment are reduced; • The parent-employee's employment ends for any reason other than his or her gross misconduct; • The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both); • The parents become divorced or legally separated; or • The child stops being eligible for coverage under the plan as a "dependent child."

When is Coverage Available? The Plan will offer Continuation Coverage to qualified beneficiaries only after the Plan Administrator has been notified that a qualifying event has occurred. When the qualifying event is the end of employment or reduction of hours of employment, death of the employee, commencement of a proceeding in bankruptcy with respect to the employer, or the employee's becoming entitled to Medicare benefits (under Part A, Part B, or both), the employer must notify the Plan Administrator of the qualifying event.

Sometimes, filing a proceeding in bankruptcy under title 11 of the United States Code can be a qualifying event. If a proceeding in bankruptcy is filed with respect to Elwood Staffing Services, Inc., and that bankruptcy results in the loss of coverage of any retired employee covered under the Plan, the retired employee will become a qualified beneficiary. The retired employee's spouse, and dependent children will also become qualified beneficiaries if bankruptcy results in the loss of their coverage under the Plan.

You Must Give Notice of Some Qualifying Events For the other qualifying events (divorce or legal separation of the employee and spouse or a dependent child's losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. The Plan Administrator is Elwood Staffing Services, Inc. For all other qualifying events (divorce or legal separation of the employee and spouse or a dependent child's losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. You must send written notice of a qualifying event to the Plan Administrator at the following address: Elwood Staffing Services, Inc. 4111 Central Ave. Columbus, IN 47203 866.868.4139. The notice must identify the qualifying event and the date such event occurred and include any supporting documentation available (such as a divorce decree) and the name and address of all qualified beneficiaries whose coverage is affected by the qualifying event. How is Continuation Coverage Provided? Once the Plan Administrator receives notice that a qualifying event has occurred, Continuation Coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect Continuation Coverage. Covered employees may elect Continuation Coverage on behalf of their spouses, and parents may elect Continuation Coverage on behalf of their children. Continuation Coverage is a temporary continuation coverage that generally lasts for 18 months due to employment termination or reduction of hours of work. Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage. There are also ways in this 18-month period of Continuation Coverage can be extended: Disability extension of 18-month period of continuation coverage If you or anyone in your family covered under the Plan is determined by the Social Security Administration to be disabled and you notify the Plan Administrator in a timely fashion, you and your entire family may be entitled to receive up to an additional 11 months of Continuation Coverage, for a total maximum of 29 months. The disability would have to have started at some time before the 60th day of Continuation Coverage and must last at least until the end of the 18-month period of continuation coverage. In the event that you become disabled prior to the 60th day of Continuation Coverage, you must provide a notice of such disability within 60 days of receiving a disability determination from the Social Security Administration, and in no event later than the expiration of the 18-month period of Continuation Coverage to the following: Boon Administrative Services, Inc., Comerica Lock Box, P.O. Box 671227, Dallas, TX 75267-1227. Please include any available supporting documentation pertaining to the disability, including the Social Security Administration determination of disability. Second qualifying event extension of 18-month period of continuation coverage If your family experiences another qualifying event while receiving 18 months of Continuation Coverage, the spouse and dependent children in your family can get up to 18 additional months of Continuation Coverage, for a maximum of 36 months, if notice of the second qualifying event is properly given to the Plan. This extension may be available to the spouse and any dependent children receiving Continuation Coverage if the employee or former employee dies, becomes entitled to Medicare benefits (under Part A, Part B, or both), or gets divorced or legally separated, or if the dependent child stops being eligible under the Plan as a dependent child, but only if the event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred. In the event that you experience a second qualifying event while you are receiving Continuation Coverage, within 30 days of such qualifying event, please provide notice to: Boon Administrative Services, Inc., Comerica Lock Box, P.O. Box 671227, Dallas, TX 75267-1227. The notice must identify the qualifying event and the date such event occurred and include any supporting documentation available (such as a divorce decree) and the name and address of all qualified beneficiaries whose coverage is affected by the qualifying event. Are there other coverage options besides Continuation Coverage? Yes, instead of enrolling in Continuation Coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as spouse's plan) through what is called a "special enrollment period." Some of these options may cost less than Continuation Coverage. You can learn more about many of these options at www.healthcare.gov. Keep Your Plan Informed of Address Changes In order to protect your family's rights, you should keep the Plan Administrator informed of any changes in the addresses of family members. You should keep a copy, for your records, of any notices you send to the Plan Administrator. Plan Contact Information For more information concerning your rights under Continuation Coverage, please contact: Boon Administrative Services, Inc. ATTN: COBRA Administration Comerica Lock Box P.O. Box 671227 Dallas, TX 75267-1227 866.868.4139

SPECIAL(ENROLLMENT(RIGHTS!(If!you!are!declining!enrollment!for!yourself!or!your!dependents!(including!your!spouse)!because!of!other!health!insurance!or!group!health!plan!coverage,!you!may!be!able!to!enroll!yourself!and!your!dependents!in!this!plan!if!you!or!your!dependents!lose!eligibility!for!that!other!coverage!(or!if!the!employer!stops!contributing!toward!your!or!your!dependents’!other!coverage).!However,!you!must!request!enrollment!within!30!days!after!your!or!your!dependents’!other!coverage!ends!(or!after!the!employer!stops!contributing!toward!the!other!coverage).!!In!addition,!if!you!have!a!new!dependent!as!a!result!of!marriage,!birth,!adoption,!or!placement!for!adoption,!you!may!be!able!to!enroll!yourself!and!your!dependents.!However,!you!must!request!enrollment!within!“30!days”!after!the!marriage,!birth,!adoption,!or!placement!for!adoption.!!To!request!special!enrollment!or!obtain!more!information,!contact!the!benefits!administrator.!!!

WOMEN’S(HEALTH(AND(CANCER(RIGHTS(ACT(OF(1998!

If!you!are!receiving!covered!benefits!for!a!Mastectomy,!you!should!know!that!your!Plan!complies!with!the!Women’s!Health!and!Cancer!Rights!Act!of!1998!(WHCRA).!The!Act!provides!for:!! !

•! All!stages!of!reconstruction!of!the!breast!on!which!the!mastectomy!was!performedP!

•! Surgery!and!reconstruction!of!the!other!breast!to!produce!a!symmetrical!appearanceP!

•! ProsthesesP!and!

•! Treatment!of!physical!complications!of!the!mastectomy,!including!lymphedema.!!These!benefits!will!be!provided!subject!to!the!same!copays,!deductibles!and!coinsurance!applicable!to!other!medical!and!surgical!benefits!provided!under!this!plan!as!stated!in!the!Plan!Summary!provided!with!these!materials.!!If!you!would!like!more!information!on!WHCRA!benefits,!contact!the!benefits!administrator.!

Important  Notice  from  Your  Employer  About  Your  Prescription  Drug  Coverage  and  Medicare  

   Please   read   this  notice  carefully  and  keep   it  where  you  can   find   it.  This  notice  has   information   about   your   current   prescription  drug   coverage  with  your  employer’s  plan  and  about   your   options   under  Medicare’s   prescription   drug   coverage.   This   information  can   help   you   decide   whether  or  not  you  want   to   join  a  Medicare  drug  plan.   If  you  are  considering   joining,  you  should  compare   your   current   coverage,   including  which   drugs   are   covered   at  what   cost,  with   the   coverage   and   costs   of   the   plans  offering  Medicare   prescription   drug   coverage   in   your   area.    Information  about  where   you   can   get  help   to  make   decisions   about   your   prescription   drug   coverage   is  at   the  end  of   this  notice.    There  are   two   important   things   you  need   to   know  about   your   current   coverage  and  Medicare’s   prescription   drug   coverage:    1.   Medicare   prescription   drug   coverage   became   available   in   2006   to   everyone  with  Medicare.  You   can  get   this   coverage   if  

you   join  a  Medicare  Prescription  Drug  Plan  or   join  a  Medicare  Advantage   Plan   (like   an  HMO  or  PPO)   that   offers  prescription  drug   coverage.  All  Medicare  drug  plans   provide  at   least  a  standard   level  of  coverage  set  by  Medicare.  Some  plans  may  also  offer  more   coverage   for   a   higher  monthly   premium.    

2.   Your  employer  has   determined   that   the   prescription   drug   coverage   offered   by   your  employer’s  plan   is,  on  average   for  all  plan  participants,  expected   to  pay  out  as  much  as   standard  Medicare   prescription   drug   coverage   pays   and   is   therefore  considered   Creditable   Coverage.   Because   your   existing   coverage   is   Creditable   Coverage,   you   can   keep   this   coverage  and  not  pay  a  higher  premium   (a  penalty)   if  you   later  decide   to   join  a  Medicare  drug  plan.  

_________________________________________________________________________________________________________    When  Can  You  Join  A  Medicare  Drug  Plan?  You  can   join  a  Medicare  drug  plan  when  you   first  become  eligible   for  Medicare  and  each  year   from   October  15  to  December      However,   if   you   lose   your  current   creditable   prescription  drug  coverage,   through  no   fault   of   your  own,   you  will  also  be  eligible   for  a   two   (2)  month  Special  Enrollment  Period   (SEP)   to   join  a  Medicare  drug   plan.    What  Happens  To  Your  Current  Coverage  If  You  Decide  to  Join  A  Medicare  Drug  Plan?    If  you  decide   to   join  a  Medicare  drug  plan,  your  current  coverage  through  your  employer’s  plan  will  not  be   affected.    When  Will  You  Pay  A  Higher  Premium  (Penalty)  To  Join  A  Medicare  Drug  Plan?  You  should  also  know   that   if  you  drop  or   lose  your  current  coverage  with  your  employer  and   don’t   join  a  Medicare  drug  plan  within  63  continuous  days  after  your  current  coverage  ends,  you  may   pay  a  higher  premium   (a  penalty)   to   join  a  Medicare  drug  plan   later.    If   you   go  63   continuous  days  or   longer  without   creditable   prescription   drug   coverage,   your  monthly   premium  may  go  up  by  at  least  1%  of   the  Medicare  base  beneficiary  premium  per  month   for  every  premium.  You  may  have  to  pay   this  higher  premium   (a  penalty)  as   long  as  you  have  Medicare   prescription  drug  coverage.   In  addition,  you  may  have   to  wait  until   the   following  October   to   join.    For  More  Information  About  This  Notice  Or  Your  Current  Prescription  Drug   Coverage…  Contact   the  person   listed  below   for   further   information.  NOTE:  You’ll  get   this  notice  each  year.  You  will   also  get   it  before   the  next  period  you  can   join  a  Medicare  drug  plan,  and   if   this  coverage   through   [Insert   Name  of  Entity]  changes.  You  also  may  request  a  copy  of   this  notice  at  any   time.    For  More  Information  About  Your  Options  Under  Medicare  Prescription  Drug   Coverage…    More   detailed   information   about  Medicare   plans   that   offer   prescription   drug   coverage   is   in   the   “Medicare  &  You”  handbook.  You’ll  get  a  copy  of   the  handbook   in   the  mail  every  year   from  Medicare.  You  may  also   be   contacted   directly  by  Medicare   drug   plans.     For  more   information   about  Medicare   prescription   drug   coverage:    

•   Visit  www.medicare.gov  •   Call  your  State  Health   Insurance  Assistance  Program   (see   the   inside  back  cover  of  your  copy  of   the   “Medicare  &  

You”   handbook   for   their   telephone   number)   for   personalized   help  Call  1-­800-­MEDICARE  (1-­800-­633-­4227).  TTY  users  should  call  1877-­486-­2048.  

 If  you  have   limited   income  and   resources,  extra  help   paying   for  Medicare  prescription  drug  coverage   is   available.  For  information  about   this  extra  help,  visit  Social  Security  on   the  web  at   www.socialsecurity.gov,  or  call  them  at    1-­800-­772-­1213  (TTY  1-­800-­325-­0778).    

Date:      Name   of   Entity/Sender:   Boon  Group  Address:   6300  Bridgepoint  Parkway     Building  3,  Suite  500     Austin,  TX  78730  

Premium Assistance Under Medicaid and the

Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272). If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of August 10, 2017. Contact your State for more information on eligibility –

ALABAMA – Medicaid FLORIDA – Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447

Website: http://flmedicaidtplrecovery.com/hipp/ Phone: 1-877-357-3268

ALASKA – Medicaid GEORGIA – Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx

Website: http://dch.georgia.gov/medicaid - Click on Health Insurance Premium Payment (HIPP) Phone: 404-656-4507

ARKANSAS – Medicaid INDIANA – Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)

Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/ Phone: 1-877-438-4479 All other Medicaid Website: http://www.indianamedicaid.com Phone 1-800-403-0864

COLORADO – Health First Colorado (Colorado’s

Medicaid Program) & Child Health Plan Plus (CHP+) IOWA – Medicaid

Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: Colorado.gov/HCPF/Child-Health-Plan-Plus CHP+ Customer Service: 1-800-359-1991/ State Relay 711

Website: http://dhs.iowa.gov/ime/members/medicaid-a-to-z/hipp Phone: 1-888-346-9562

KANSAS – Medicaid NEW HAMPSHIRE – Medicaid

Website: http://www.kdheks.gov/hcf/ Phone: 1-785-296-3512

Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf Phone: 603-271-5218

KENTUCKY – Medicaid NEW JERSEY – Medicaid and CHIP Website: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570

Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710

LOUISIANA – Medicaid NEW YORK – Medicaid Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 Phone: 1-888-695-2447

Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831

MAINE – Medicaid NORTH CAROLINA – Medicaid Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html Phone: 1-800-442-6003 TTY: Maine relay 711

Website: https://dma.ncdhhs.gov/ Phone: 919-855-4100

MASSACHUSETTS – Medicaid and CHIP NORTH DAKOTA – Medicaid Website: http://www.mass.gov/eohhs/gov/departments/masshealth/ Phone: 1-800-862-4840

Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825

MINNESOTA – Medicaid OKLAHOMA – Medicaid and CHIP Website: http://mn.gov/dhs/people-we-serve/seniors/health-care/health-care-programs/programs-and-services/medical-assistance.jsp Phone: 1-800-657-3739

Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

MISSOURI – Medicaid OREGON – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005

Website: http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075

MONTANA – Medicaid PENNSYLVANIA – Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084

Website: http://www.dhs.pa.gov/provider/medicalassistance/healthinsurancepremiumpaymenthippprogram/index.htm Phone: 1-800-692-7462

NEBRASKA – Medicaid RHODE ISLAND – Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: (855) 632-7633 Lincoln: (402) 473-7000 Omaha: (402) 595-1178

Website: http://www.eohhs.ri.gov/ Phone: 855-697-4347

NEVADA – Medicaid SOUTH CAROLINA – Medicaid

Medicaid Website: https://dwss.nv.gov/ Medicaid Phone: 1-800-992-0900

Website: https://www.scdhhs.gov Phone: 1-888-549-0820

To see if any other states have added a premium assistance program since August 10, 2017, or for more information on special enrollment rights, contact either:

U.S. Department of Labor U.S. Department of Health and Human Services Employee Benefits Security Administration Centers for Medicare & Medicaid Services www.dol.gov/agencies/ebsa www.cms.hhs.gov 1-866-444-EBSA (3272) 1-877-267-2323, Menu Option 4, Ext. 61565

Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137.

OMB Control Number 1210-0137 (expires 12/31/2019)

SOUTH DAKOTA - Medicaid WASHINGTON – Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059

Website: http://www.hca.wa.gov/free-or-low-cost-health-care/program-administration/premium-payment-program Phone: 1-800-562-3022 ext. 15473

TEXAS – Medicaid WEST VIRGINIA – Medicaid Website: http://gethipptexas.com/ Phone: 1-800-440-0493

Website: http://mywvhipp.com/ Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)

UTAH – Medicaid and CHIP WISCONSIN – Medicaid and CHIP Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669

Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.pdf Phone: 1-800-362-3002

VERMONT– Medicaid WYOMING – Medicaid Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427

Website: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531

VIRGINIA – Medicaid and CHIP Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfm Medicaid Phone: 1-800-432-5924 CHIP Website: http://www.coverva.org/programs_premium_assistance.cfm CHIP Phone: 1-855-242-8282