2018 AMIkids

2018 Benefits at a Glance

PLAN YEAR: January 15, 2014 – December 31, 2014

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Our Mission AMIkids is a non-profit organization dedicated to helping youth develop into responsible and productive citizens. AMIkids’ mission is to protect public safety and positively impact as many youth as possible through the efforts of a diverse and innovative staff. AMIkids works in partnership with youth agencies, local communicates and families.

CONTENTS & CONTACT INFORMATION

Refer to this list when you need to contact one of your benefit vendors. For general information contact the AMIkids Affiliated Programs Benefits Department.

AMIKIDS BENEFITS DEPARTMENT Brandie Holjes & Matt Frye

813-887-3300 bholjes@amikids.org or msf@amikids.org

M.E. WILSON COMPANY - BENEFITS PARTNER Katie Miller, Cindy Buttrill, or Jeff Lenderman

813-229-8021 kmiller@mewilson.com

MEDICAL & PRESCRIPTION

page 3

Medical : Blue Cross Blue Shield (Group # 71-60757)

1-800-830-1501 www.MyHealthToolkitFL.com

Prescription : OptumRX

1-800-334-8134 www.Optumrx.com/myCatamaranrx

HEALTH SAVINGS ACCOUNT Optum Bank (Group # 71-60757)

page 10

1-866-234-8913 www.OptumBank.com

DENTAL

page 12

Blue Cross Blue Shield (Group # 71-60757)

1-800-222-7156 www.MyHealthToolkitFL.com

VISION

__ page 13

Blue Cross Blue Shield (EyeMed network) (Group# 71-60757)

1-866-723-0513 www.MyHealthToolkitFL.com

LIFE, SHORT-TERM & LONG-TERM DISABILITY

page 14

United Healthcare (Group # 305057)

1-888-299-2070 www.myuhc.com

403(B)

page 16

Fidelity (Group #64688)

1-800-343-0860 www.Fidelity.com/atwork

VOLUNTARY BENEFITS

page 17

United Healthcare (Group # 305057)

1-888-299-2070 www.myuhc.com

EMPLOYEE ASSISTANCE PROGRAM

page 19

LifeWorks

1-888-456-1324 www.lifeworks.com User ID: amikids Password: lifeworks

HOW TO ENROLL Web Benefits Design

page 21

1-888-639-8077 www.mybensite.com/amikids

DISCLOSURE NOTICES

page 24

BENEFIT INFORMATION

Benefit

Who pays the cost?

AMIkids shares the cost of your medical premiums no matter what medical plan you choose! AMIkids also shares the cost of your dental premiums regardless of your dental plan choice.

Medical Insurance

YOUR BENEFITS PLAN AMIkids offers a variety of benefits allowing benefit eligible employees the opportunity to customize a benefits package that meets your personal needs. In the following pages, you’ll learn more about the benefits offered. You’ll also see how choosing the right combination of benefits can help protect you and your family’s health and finances – and your family’s future.

Dental Insurance Vision Insurance

AMIkids offers vision coverage on a voluntary basis.

Basic Term Life Insurance

AMIkids pays 100% of the cost for Basic Term Life coverage.

AMIkids offers you the option to purchase additional term life insurance for yourself, as well as life insurance for your spouse and/or child(ren). See benefits page for more on the voluntary offer of STD and eligibility specifics for the employer sponsored benefit.

Voluntary Term Life Insurance

Short Term Disability (STD) Long Term Disability (LTD)

AMIkids offers LTD coverage on a voluntary basis.

Voluntary Benefits

AMIkids offers a variety of voluntary benefits.

Eligible AMIkids employees are automatically enrolled into the AMIkids pension plan. You can also choose to open a 403(b) retirement savings account using pre-tax dollars.

Pension and Retirement Plan

ELIGIBILITY

Eligible employees are those averaging 30 hours worked per week. Newly eligible employee’s benefits will become effective on the 1 st of the month following 60 days of eligible employment status. You may also enroll your dependents in the Benefits Plan when you enroll.

Eligible dependents include: • Your legal spouse •

You or your spouse’s child who is under age 26, including natural children, step-children, legally adopted children, a child placed for adoption or any other children for whom you or your spouse are legal guardian • A child who is or becomes disabled and is dependent upon you before reaching age 26 • A child for whom health care coverage is required through a Qualified Medical Child Support Order or other court or administrative order. Please verify all dependents meet the definition of qualified dependent. Initial and periodic audits requesting proof of qualified dependent status may be conducted . You are financially responsible for any claims incurred on the plan by a dependent who does not meet eligibility requirements.

WHEN CAN YOU ENROLL? You MUST enroll within 60 days of your new hire date. Otherwise you must wait until the next annual open enrollment period, unless you experience a qualifying event. If you have a qualifying event, you MUST notify AMIkids of the event within 31 days of a qualified family-status change.

BENEFIT INFORMATION

CHOOSING YOUR BENEFITS

WHY DO I PAY FOR BENEFITS WITH BEFORE-TAX MONEY? There is a definite advantage to paying for some benefits with before-tax money: Taking the money out before your taxes are calculated lowers the amount of your pay that is taxable. Therefore, you pay less in taxes.

Your portion of the cost of benefits is automatically taken out of your paycheck. There are two ways that the money can be taken out:

• BEFORE YOUR TAXES ARE CALCULATED – Medical, Dental, Vision, H.S.A and 403(b) contributions

• AFTER YOUR TAXES ARE CALCULATED – Life, Disability and Voluntary Benefits

MAKING CHANGES

Generally, you can only change your benefit choices during the annual benefits enrollment period. However, under certain circumstances you may be allowed to make changes to your benefit elections if you or your eligible dependents experience a qualifying life event. An eligible event is determined by the Internal Revenue Service (IRS) Code, Section 125. Examples of Qualifying Events:

• Your marriage • Your divorce or legal separation • Birth or adoption of an eligible child • Death of your spouse or covered child

• Change in your spouse’s work status that affects his or her benefits • Change in your work status that affects your benefits • Change in your child’s eligibility for benefits • Receiving Qualified Medical Child Support Order (QMCSO)

You must enter a life event via www.mybensite.com/amikids and notify AMIkids Benefits Department, in writing, within 30 days of the qualifying event. At this time you will also be required to provide appropriate documentation.

WHEN COVERAGE ENDS Medical, Dental and/or Vision coverage will end on the last day of the month in which employment with the company ends, you or a covered dependent no longer meet the eligibility requirements, the plan ends, and/or failure to make required contributions outside payroll deductions (ex: on leave of absences).

MEDICAL & PRESCRIPTION INSURANCE

AMIkids offers medical coverage through Blue Cross Blue Shield for the 2018 plan year. The plan year runs from May 1 st , 2018 – April 30 th , 2019. AMIkids contributes about 77% of the cost for employee coverage on the Base H.S.A. Plan. You are responsible for the additional cost associated with buying up to another plan and / or adding dependent(s) on the plan. The chart below provides an overview of the medical plan offered. This chart is intended only to highlight the benefits available and should not be relied upon to fully determine your coverage. If the below illustration of benefits conflicts in any way with the Summary Plan Description (SPD), the SPD shall prevail. It is recommended that you review the exact description of services and supplies that are covered, those which are excluded or limited, and other terms and conditions of coverage .

Base HDHP H.S.A. Plan

Copay H.R.A. Plan

Copay Premium Plan

IN-NETWORK

PREVENTIVE CARE Wellness, Immunizations, Mammography, Colonoscopy, Annual bloodwork, etc. OFFICE VISITS Referral Required? Teledoc Virtual Visits Office Visits (Illness/Injury) Specialist Visits

Covered 100%, no cost to you.

No Meet deductible, then $25 Copay

No $25 Copay $50 Copay $75 Copay

No $25 Copay $35 Copay $60 Copay

Meet deductible, then 20% Meet deductible, then 20%

HOSPITAL SERVICES Inpatient Hospital Outpatient Surgery

Meet deductible, then 20% Meet deductible, then 20% Meet deductible, then 20% Meet deductible, then 20%

Meet deductible, then 30% Meet deductible, then 30%

Meet deductible, then 20% Meet deductible, then 20%

Emergency Room Urgent Care Clinic

$500 Copay $100 Copay

$350 Copay $100 Copay

DIAGNOSTIC TESTING Lab, X-Ray, Advanced Imaging (MRI, CAT, PET, etc.)

Meet deductible, then 20%

Meet deductible, then 30%

Meet deductible, then 20%

PRESCRIPTIONS Retail (30 day supply) Tier 1 / 2 / 3

Meet deductible, then $10 / $35 / $60 Copay

$20 / $50 / $80 Copay

$10 / $35 / $60 Copay

Medicare (Part D) Creditable

YES

DEDUCTIBLE (your first dollar cost for covered in-network claims) Deductible (Individual / Family) $3,000 / $6,000

$4,500 / $9,000

$1,500 / $3,000

COINSURANCE (your responsibility on claims costs once you’ve met the deductible) 20% 30% OUT OF POCKET MAXIMUM (once met all in-network covered services are covered by the plan) Maximum Out-of-Pocket (Individual / Family) $6,000 / $12,000 $6,000 / $12,000

20%

$5,000 / $10,000

Max Out-of-Pocket includes

Deductible , Coinsurance, Prescription Costs, and Copays paid by you during the course of the plan year OUT-OF-NETWORK (charges are subject to balance billing)

Deductible Coinsurance Out of Pocket Maximum

$7,500 / $15,000 50% $15,000 / $30,000

$10,000 / $20,000 50% $15,000 / $30,000

$7,500 / $15,000 50% $15,000 / $30,000

1 Charges are subject to balance billing

WHAT ARE TELADOC VIRTUAL VISITS? They allow you to see and talk to a doctor from your cell phone, tablet or computer regarding non-emergency medical conditions like the flu, pink eye, rashes and fever. These visits are subject to your deductible (or a copay depending upon your plan selection) but are typically at a lesser cost than an office visit. A great way to SAVE TIME AND MONEY! To access Teladoc, visit www.teladoc.com or call 1-800-Teladoc (835-2362)

HOW TO FIND IN-NETWORK PROVIDERS

To utilize your benefits you want to seek services from in-network doctors and facilities. You can search and locate in-network providers by visiting www.MyHealthToolkitFL.com and following the below instructions.

Go to www.MyHealthToolkitFL.com and click on the highlighted field

Enter the name of the provider you wish to search and/or the desired location and/or the specialty. Choose “Show me only doctors and hospitals in my Plan” and enter the alpha prefix EQO in the field that pops up.

DOES ANYONE UNDERSTAND THIS STUFF?

YOU WILL IN A SECOND….

STARTING WITH THE BASICS (KEY TERMS)

Deductible is the amount you have to pay out of pocket for services not covered by a copay before co-insurance starts. Once you’re enrolled in medical, you're a Blue Cross Blue Shield member. Because you’re a member you get the discounted rate with all in-network providers and facilities! This discount is typically 50%-70% off the amount charged to someone without insurance. Coinsurance is cost-sharing. The cost-sharing “kicks in” AFTER you meet the deductible. Even though you’ve met your deductible, you still get the discounted rates! On the medical summary chart you can see coinsurance is 20% or 30% depending upon which plan you choose. When you have coinsurance, you pay 20% or 30% of that discounted rate and the plan pays the rest! Copayment (aka Copay) is a flat fee that you pay for medical services and/or prescriptions. On the Base H.S.A. Plan you do not have copays with the exception of prescriptions and virtual visits, though you must meet your medical deductible prior to having copays for prescriptions and virtual visits. Out of Pocket Maximum is the maximum total amount you will pay in deductible costs, coinsurance and copays during the policy year. Once you meet the Out of Pocket Maximum, the plan pays 100% of your costs.

YES PLEASE, MORE INFORMATION

To understand how plans work, you can break it down into three phases….

Base HDHP H.S.A. Plan

Phase 1

You’re responsible to pay the first dollar costs for medical services and prescriptions (Rx) until you meet your deductible.

Phase 2

Once you’ve met the deductible, coinsurance kicks in for all medical services and now copays apply to Rx. That’s right, you’ll pay 20% of the cost for medical services and the plan pays the rest! You’ll pay the copay for Rx and the plan pays the rest!

Phase 3

You’ve got a maximum out-of-pocket. This amount is an accumulation of the deductible, Rx, coinsurance, and copays. Once all these costs add up to the total max out-of-pocket the plan will pay 100% of all in-network, covered medical services and Rx for the rest of the policy year.

You pay the copay amount for day to day services, as stated on page 3. Your deductible applies to the additional services not covered by a copay. Once you meet your deductible your coinsurance will “kick in”, on the Copay H.R.A. Plan, you pay 30% of the cost and AMIkids pays 70% of the cost of the claim, on the Copay Premium Plan, you pay 20% of the cost and AMIkids pays 80% of the cost of the claim. The amounts you pay towards your deductible, coinsurance, copay amounts, and prescription copays apply to your out-of-pocket maximum. Copay H.R.A . Plan & Copay Premium Plan

Want to earn some Wellness Incentives?

Rally Wellness Program

Employees enrolled in one of the three AMIkids medical plans, have access to the Rally Wellness Program through BlueCross BlueShield at no cost to you! Rally can help you get healthier one step at a time. It will show you how to make simple changes to your daily routine, set smart goals for yourself and stay on target. You’ll get personalized recommendations to get you moving more, eating better, feeling happier and you’ll have FUN doing it!

To get started, login to www.MyHealthToolKitFL.com . Once you register, select Wellness, then Rally. Once you earn 2,000 coins, contact the Benefits Department to receive a new FitBit Charge2 (while supplies last). Real Appeal Weight Loss Program

AMIkids offers a FREE online weight loss program to ALL employees with a BMI of 20 or higher. You do not have to be enrolled in any of the AMIkids benefits to participate. Spouses and dependents over the age of 18 can also participate in Real Appeal as long as they’re enrolled in one of the three AMIkids medical plans. Real Appeal is a free, 52 week online weight loss program that is customized to what works for you! You will learn simple steps to help you transform and earn incentives along the way. You’ll have access to a transformation coach, digital tools, weekly online support group classes and a success kit full of healthy weight management tools.

To get started, login to www.amikids.realappeal.com . Once you complete ten group session, you will receive a FitBit Charge 2 (All incentives will be available year round while supplies last).

ENOUGH INFO, WHAT’S IT GOING TO COST ME?

SALARY RANGE: BELOW $35,000

Cost for Coverage Amounts shown are per pay check ( 24 payments/year )

Base HDHP H.S.A Plan

Copay H.R.A. Plan

Copay Premium Plan

Employee Only

EE ES EC

$ 56.23 $ 153.51 $ 128.21 $ 194.00

$ 91.73 $ 225.84 $ 192.31 $ 294.16

$ 144.09 $ 339.49 $ 293.80 $ 453.36

Employee + Spouse Employee + Child(ren) Employee + Family

FAM

SALARY RANGE: $35,000 TO BELOW $50,000

Cost for Coverage Amounts shown are per pay check ( 24 payments/year )

Base HDHP H.S.A Plan

Copay H.R.A. Plan

Copay Premium Plan

Employee Only

EE ES EC

$ 64.67 $ 171.22 $ 144.23 $ 219.30

$ 101.22 $ 245.77 $ 210.34 $ 322.62

$ 154.63 $ 361.63 $ 313.84 $ 484.99

Employee + Spouse Employee + Child(ren) Employee + Family

FAM

SALARY RANGE: $50,000 AND OVER

Cost for Coverage Amounts shown are per pay check ( 24 payments/year )

Base HDHP H.S.A Plan

Copay H.R.A. Plan

Copay Premium Plan

Employee Only

EE ES EC

$ 73.10 $ 188.94 $ 160.26 $ 244.60

$ 110.70 $ 265.69 $ 228.37 $ 351.09

$ 165.18 $ 383.77 $ 333.87 $ 516.62

Employee + Spouse Employee + Child(ren) Employee + Family

FAM

REMINDER : If you sign up for the Base HDHP H.S.A Plan AMIkids WILL GIVE YOU $500, pro-rated, into your open and active Health Savings Account Of course you have to open the account and keep it open to get the money! If you sign up for the Copay H.R.A. Plan AMIkids WILL GIVE YOU up to the first $500 of any deductible related expenses as they are incurred.

2018 Annual Enrollment Elections

As a current employee , the 2018 Annual Open Enrollment period begins on March 26 th , 2018 and runs through 11:59:59pm on April 9 th , 2018. All benefits eligible employees are strongly encouraged to participate in Annual Open Enrollment by visiting the on line benefits administration site at www.mybensite.com/amikids or by calling 1-888-639-8077 and making their benefits selections. Employees that have current medical coverage in any of the 2017 medical plans that do NOT participate in Annual Open Enrollment will automatically be rolled over into the Base HDHP H.S.A. Plan. All other current coverages (dental, vision, life, disability, etc.) will be rolled over into the new plan year as is. As a recently hired employee , you have a New Employee Enrollment Period to elect your benefits. The enrollment period starts as soon as you are loaded into the BenAdmin system (usually the week after your first paycheck) and ends on your 60 th day following your date of hire. If you do not make your elections during this window, you cannot enroll in the AMIkids benefit plan until the next annual enrollment unless you experience a qualified change in status (see page 2).

Is participation in the 2018 Annual Open Enrollment Mandatory this year? • No, but if you’re currently enrolled in one of the medical plans and do not participate, you will automatically default to the Base HDHP H.S.A. Plan regardless of the plan in which you are currently enrolled. • All other coverages will be rolled over “as is.” • Participation in your health care decisions is STRONGLY encouraged.

HOW DO I DETERMINE WHICH PLAN IS BEST FOR ME AND MY FAMILY?

“Nobody knew health care could be so complicated!”

We have always known that deciding which of the employee benefits are right for your situation can be a difficult and stressful proposition. Because of the IRS 125 rules, the decisions that you make during annual open enrollment or upon your initial eligibility in the plan year are with you until the beginning of the next plan year; so you want to get it right, right?

In the next 2 pages are a couple of scenarios that will hopefully assist you in determining which plan makes the most sense for you – if you want assistance with creating your own scenario, please contact your Benefits Department and we’ll be happy to walk through the process with you!

CHOOSE WISELY! The benefit elections you make will remain in effect until April 30, 2019.

HOW DO I DETERMINE WHICH PLAN IS BEST FOR ME AND MY FAMILY?

SCENARIO 1: EMPLOYEE AND CHILD(REN) EARNING LESS THAN $35,000

Karl with EE + Ch <$35k

Base HDHP H.S.A. Plan

Copay H.R.A. Plan

Copay Premium Plan

Notes

Annual Plan Deductible AMIkids deposits $500 (prorated) into Karl’s H.S.A. Karl goes to his in-network Dr for his annual physical, blood work, etc. Karl’s son gets the flu! Karl takes him to the Dr and the office visit charge is $145 but the BCBS negotiated rate is $73, so Karl pays:

$3,000

$4,500

$1,500

$500

n/a

Only the Base Plan is eligible for the H.S.A. Preventative covered at 100% on all 3 plans! The $73 goes towards meeting Karl’s deductible and out of pocket (OOP) max, but the $50 or $35 copay would only go towards his OOP max. On the Base Plan, Karl can use his H.S.A. funds to cover his son’s office visit

$73

$50 Copay

$35 Copay

HSA Balance

n/a

$427 ($500 - $73)

At his son’s office visit, the Dr prescribes Flu medication (generic):

$47

$20 Copay

$10 Copay

H.S.A. Balance

On the Base Plan, Karl can use his H.S.A. funds to cover his son’s prescription.

$380 ($427-$47)

n/a

Late one night, Karl’s son is ill and is running a bad fever so he takes him to the E.R. H.S.A Balance & Out of Pocket Expense (deductible) Total Annual Medical Premiums Karl paid Karl’s total health care expenses for the year in the scenario above

$600

$500 Copay

$350 Copay

$0 H.S.A. Balance $220 Out of Pocket ($600 – $380 = $220)

n/a

On the Base Plan, Karl uses up his H.S.A. funds to pay for part of the ER visit, but still has to pay the remainder out of pocket.

$3,077.04

$4,615.44

$7,051.20

$3,297.04 ($3,077.04 + $220) This plan is Karl’s best option!

Even though Karl used all of his H.S.A. funds & paid $220 out of pocket, the Base Plan is still best for him!

$5,185.44 ($4,615.44+$50+$20+$500)

$7,446.20 ($7,051.20+$35+$10+$350)

Treatment Cost Estimator Login to www.MyHealthToolKitFL.com , plug in your zip code and name of a medical procedure to find real-time cost estimates for nearby hospitals, surgery centers and physician offices.

Lower Your Costs When necessary, compare costs before you schedule treatments. Try to price out fees with doctors or health care facilities before you receive services in order to help lower your out- of-pocket costs.

HOW DO I DETERMINE WHICH PLAN IS BEST FOR ME AND MY FAMILY?

SCENARIO 2: EMPLOYEE AND SPOUSE EARNING $48,000

Diane with EE + Sp $48k

Base HDHP H.S.A. Plan

Copay H.R.A. Plan

Copay Premium Plan

Notes

Annual Plan Deductible AMIkids deposits $500 into Diane’s H.S.A.

$3,000

$4,500

$1,500

$500

n/a

Only the Base Plan is eligible for the H.S.A.

H.S.A. balance

$500

n/a

Diane gets all of her annual preventative care (mammography, blood work, physical, etc.) During her annual exams, Diane’s Dr identifies a “lump” and order diagnostic testing that then leads to investigative surgery. The BCBS negotiated claim cost totals $27k

Preventative covered at 100% on all 3 plans!

$6,000 ($3,000 deductible plus

AMIkids covers the first $500 as part of the H.R.A. arrangement

$1,500 (deductible) plus $3,500 (20% coinsurance until OOP of $5k is reached then plan pays $100%)

$3,000 (20% coinsurance until Diane reaches her Out of Pocket Max of $6,000 and then the plan pays 100% of the remainder)

then Diane pays the next $4,000 (deductible) plus

$1,500 (30% coinsurance until Diane reaches her OOP of $6k then the plan pays 100%)

Total Diane pays out of pocket for this $27k claim

$5,500 ($6,000 - $500 H.S.A.)

$5,500 ($6,000 - $500 H.R.A.)

$5,000 ($1,500 + $3,500)

In the Base Plan, Diane uses her AMIkids H.S.A. funds. On the Copay H.R.A. Plan, AMIkids pays the first $500 of deductible expenses.

H.S.A. Balance

n/a

Total Annual Medical Premiums Diane paid Diane’s total health care expenses for the year in the scenario above

$4,109.28

$5,898.48

$8,679.12

$9,609.28 ($4,109.28 + $5,500) This plan is Diane’s best option!

$11,398.48 ($5,898.48 + $5,500)

$13,679.12 ($8,679.12 + $5,000)

In this scenario, even though Diane spent $5,500 out of pocket on the Base H.S.A. Plan, her annual expenses are still lower than the other two plans.

My Health ToolKit When you’re a member of BCBS, you have one main place to find answers about your health care. My Health Toolkit is a one-stop shop for managing your health benefits—customized just for you! Go to www.MyHealthToolKitFL.com to Learn more about your coverage, Check medical claims, Replace your membership card, View your medical history, Find a doctor or hospital and more!

Get Started Today Why wait? It’s easy to sign up for My Health Toolkit. In just a few clicks, you’ll have everything you need at your fingertips! 1. Go to www.MyHealthToolkitFL.com and select Register Now. 2. Enter the number on your membership card and your date of birth. If you don’t have your membership card, enter the policyholder’s social security number. 3. Choose a username and password. 4. Enter your email address and you are READY TO GO!

HEALTH SAVINGS ACCOUNT (H.S.A)

When you’re enrolled in a qualified High Deductible Health Plan (HDHP) you and your employer can contribute to your H.S.A account. What are the perks? • Your contributions are pre-tax . • Money rolls over year to year, you never lose it. • It’s owned by you . The account and money in it are yours to keep whether you retire, come off the group plan, or leave. • It’s easy to use ! Optum Bank sends you an H.S.A card when you open an account. The card is just like a debit card, simply swipe the card when you want to use the funds.

ELECTING Base HDHP H.S.A. Plan? CONGRATS, you’re eligible for an H.S.A! Congrats again because AMIkids is giving you $500 in your H.S.A . This gift will be pro-rated , thus deposited into your account throughout the year. All you have to do is open an H.S.A with Optum Bank and keep it active. Visit their website to open 1 of the 3 account options available. Go to www.optumbank.com If you do not open the account and keep it active AMIkids cannot deposit the money for you. Easiest $500 you’ve ever made!

2018 Maximum Contribution Limits*

Single Coverage

$3,450

Family Coverage $6,850 * Individuals who are age 55 or older may contribute an additional $1,000 per year.

ELIGIBLE EXPENSES INCLUDE (but are not limited to):

• Alcohol & drug dependency treatment • Artificial Teeth • Acupuncture & Chiropractic services

• Hearing aids & batteries for use • Hospital, Surgical, lab & X-Ray fees • Long-term care (medical expenses & premiums) & Nursing home • Physical & speech therapies • Smoking-cessation programs & products

• Dental expenses (exams, X-rays, root canals, bridges, etc.) • Diagnostic devices (blood sugar test kits for diabetics) • Prescription drugs • Eyeglasses, exams, laser eye surgery, Contact lenses & solution

• Vasectomy • Wheelchairs

HOW TO GET $500?

OPEN AN H.S.A, IT’S SO EASY! You can choose to enroll in the H.S.A. online or by completing and submitting a paper enrollment form to Optum Bank directly. The form is available on the Benefits Department page on the AMIkids Intranet or from your Business Manager. To enroll online: • Go to www.optumbank.com • Select “ENROLL NOW” • Scroll down and review the qualifications • If you qualify, select “If you qualify to open an H.S.A you can do so today by clicking here.” • ….And begin! You will be asked for:  Your Social Security Number  An email address, to receive information from Optum  Your Group Number: 71-60757  IMPORTANT : Under requested contribution please indicate “0”. If you wish to contribute to the HSA as well, please download the HSA contribution form from the Benefits department page of the AMIkids Intranet or contact your Business Manager. Once your enrollment is processed, watch your mail! You’ll receive a Welcome Letter from Optum Bank with your account number H.S.A Debit card (MasterCard). Separately you will receive a Personal Identification Number (PIN) for your debit card. Optum Bank MUST validate your enrollment info prior to activating your account. This process may take up to two weeks. We strongly encourage you to enroll as soon as you’re eligible for benefits to ensure you receive your entire prorated gift ($500).

HEALTH REIMBURSEMENT ACCOUNT (H.R.A.)

When you’re enrolled in a qualified Copay Plan your employer can contribute to an H.R.A. It can help with out-of-pocket deductible expenses. What are the perks? • It immediately covers the first $500 of your deductible eligible expenses. • The funds you receive do not count toward your gross income for tax purposes. • It’s easy to use ! Your doctor will be informed of this benefit when they verify your coverage with our medical provider (BCBS). Your doctor will submit the claim to BCBS and will receive payment up to $500 from AMIkids.

ELECTING the Copay H.R.A. Plan? CONGRATS, you’re eligible for an H.R.A! Congrats again because AMIkids is giving you up to $500 in your H.R.A . This gift will be immediately available for you to use on medical deductible eligible expenses.

MEDICAL DEDUCTIBLE ELIGIBLE EXPENSES INCLUDE (but are not limited to):

• Hospital Stays • Outpatient Surgeries • Ambulance services

• Hospital, Surgical, lab & X-Ray fees • Long-term care (medical expenses & premiums) & Nursing home • Physical & speech therapies

HOW TO GET $500?

H.R.A, IT’S SO EASY!

If you are enrolled in the copay H.R.A plan, then AMIkids will automatically cover up to $500 of your deductible eligible expenses. The H.R.A does not rollover and is only available when you have deductible eligible expenses.

Want to check your paid claims status?

• Go to www.checkmyhra.com • Your user name is your SSN • Your password is your date of birth (format mmddyyyy) • Click on the Claims tab, select Claims History

You may also view your claims balance and history on your www.MyHealthToolkitFL.com account or call the Blue Cross Blue Shield customer service line at 1-800-300-5248.

DENTAL INSURANCE

AMIkids offers dental coverage through Blue Cross Blue Shield (BCBS). Both plan options are Dental PPOs, which allow you to use in- network or out-of-network benefits. If out-of-network dentists are used, you will be responsible for the balance billed amount (the difference between BCBS’ allowed amount and what the dentist charges). AMIkids has not raised Dental Plan premiums for FIVE years! The chart below provides a brief overview of the plans. To find in-network providers visit www.MyHealthToolkitFL.com and click on “Find a Dentist” within the right column. If the below illustration of benefits conflicts in any way with the plan description, then the plan description shall prevail.

Base PPO Plan (unchanged from 2017)

Premium PPO Plan (unchanged from 2017)

In-Network

Deductible (applies to Basic & Major services) Individual

$50

$150

Family

Annual Maximum (per covered member)

$1,000

$1,500

Preventive Services Exams, Cleanings, & Fluoride

Covered in full

Basic Services Fillings, Simple Extractions, Perio & Endo (other than those listed below) Major Services Crowns, Bridges, Surgical Extractions, Root Canal, Dentures, Osseus Surgery & Endo Molars Orthodontia (child 18 and under only)

20% after deductible

50% after deductible

40% $2,000 lifetime maximum per person

None

Out-of Network 1

Basis of Payment

90% Usual & Customary Charges

Deductible (applies to Basic & Major services) Individual / Family Annual Maximum (per covered member)

$50 / $150

$1,000

$1,500

Services Preventive Basic Major

Covered in full 20% after deductible 50% after deductible

Orthodontia (child 18 and under only)

40% $2,000 lifetime maximum per person

None

1 Subject to balance billing . Please refer to your plan document for specific details.

Cost for Coverage Amounts shown are per pay check ( 24 payments/year ) Base PPO

Premium PPO

Employee Only

EE ES EC

$ 4.68 $12.13 $14.78 $24.51

$ 9.35 $21.56 $29.52 $45.26

Employee + Spouse Employee + Child(ren) Employee + Family

FAM

VISION INSURANCE

AMIkids offers vision coverage through Blue Cross Blue Shield (Blue Cross Blue Shield). The Blue Cross Blue Shield vision plan provides you access to the EyeMed network and allows you the flexibility to see any provider, to maximize savings seek services from a EyeMed network provider. If you utilize an out-of-network provider, you’ll pay expenses at the time of service and file a claim for reimbursement. The chart below provides a brief overview of the plan and reimbursement schedule for out-of-network services. AMIkids has not raised Vision Plan premiums for FIVE years! Your vision is important to your health. Whether your vision is 20/20 or less than perfect, everyone should receive regular vision care. To find in-network providers visit www.MyHealthToolkitFL.com and hover over on the “Education Center” in the top menu and click on “Enrollment Tools”. Under Healthy Vision you will find a link for “EyeMed Provider Locator”. Get results by entering your location and select the “Access” network.

Vision EyeMed Access Network

In-Network

Out-of-Network 1

Routine Eye Exams

Every 12 months

$20 Copay

Reimbursed up to $200

Lenses 2

Every 12 months

Single Vision Bifocal Trifocal Lenticular

Reimbursed up to $200, depending on type of lenses

$40 Copay

Frames

Every 12 months

$40 Copay provides, $130 Allowance PLUS 30% off cost over the allowance

$200 allowance

Contact Lenses (in lieu of glasses)

Every 12 months

Elective Contact Lenses Preferred Non-Preferred

$40 Copay provides up to 8 boxes $40 Copay provides, $200 allowance

Reimbursed up to $200

Medically Necessary

$40 Copay

Reimbursed up to $200

1 Reimbursable amount, less applicable copay. 2 Lenses benefit listed are for a pair of lenses.

Cost for Coverage Amounts shown are per pay check ( 24 payments/year ) Vision Plan

Employee Only

EE ES EC

$ 3.74 $ 7.70 $ 6.50 $10.46

Employee + Spouse Employee + Child(ren) Employee + Family

FAM

LIFE AND AD&D INSURANCE

BASIC LIFE AND AD&D INSURANCE AMIkids provides all benefit eligible employees with at least a $10,000 Life and Accidental Death & Dismemberment (AD&D) benefit, at NO COST TO YOU! Please be sure to assign your beneficiary at initial eligibility and/or during annual open enrollment and update throughout the year as needed.

Age Reduction Schedule

At age…

The original amount of benefit will reduced by …

65 70

65% 50%

Cost for Coverage Basic Life Insurance and AD&D

$ 0.00 ….. It’s free to you, 100% paid for by AMIkids!

Employee Only

VOLUNTARY LIFE AND AD&D INSURANCE

AMIkids offers you the option to purchase additional Life and AD&D insurance for yourself and your dependents. This coverage is available through United Healthcare.

You may request coverage amounts… as low as… as high as…

$500,000 (not to exceed 5x your annual salary)

1 Cost of Child coverage is same for 1 or more children. 2 Children are eligible from 14 days to 26 years.

$10,000

Employee

$10,000

3 You must elect voluntary life insurance for yourself to have dependent coverage. The dependent benefit cannot exceed the employee benefit.

Spouse 3

$5,000

$150,000

$5,000

Child(ren) 1 2 3

N/A

$10,000

What are the GI amounts?

$200,000 (not to exceed 5x your annual salary)

What is Guarantee Issue (GI)? GI is the maximum benefit you can receive without having to provide proof of good health, Evidence of Insurability (EOI). GI is only available at initial eligibility. If you’re requesting coverage outside your initial eligibility, you must submit EOI to United Healthcare for review (form located on myBenSite – www.mybensite.com/amikids ).

Employee

Spouse 3

$30,000

Child(ren) 1 2 3

$10,000

Cost for Coverage Voluntary Life Insurance and AD&D

Employee Spouse Child(ren)

Check out myBenSite to see your and your dependents personalized rates. Premiums will be deducted from your pay after taxes.

The Voluntary Life and AD&D plan includes the ability to take this coverage with you should your employment end. To obtain more information on how to do this, get the forms, and confirm your new premium costs please contact United Healthcare within 31 days of the end of your employment at 1-888-99-4767 (convert).

DISABILITY INSURANCE

SHORT TERM DISABILITY Short Term Disability (STD) may provide you a benefit, should you become temporarily disabled because of a non-work related illness, injury or a condition, like pregnancy. Please note, STD does not provide for any job protected status, job protection may be provided for you by the Family Medical Leave Act (FMLA), if applicable. STD leave runs concurrent with family medical leave if an employee is eligible for both STD and FMLA. See below to determine eligibility for this benefit. • Benefit eligible employees, employed for less than 2 years are offered Voluntary Short Term Disability through United Healthcare. Elections for STD can be made during the enrollment process, cost for coverage can also be found online. This plan can be purchased on a voluntary basis for those not yet eligible for the company sponsored STD Plan. The benefit may pay you 60% of your base earnings, not to exceed $1,500 per week. Benefits begin on the 8 th day from the start of the illness or accident and can pay out up to a 12 week maximum. Please make note of the pre-existing condition limitations, which state disabilities that occur during the first 12 months of coverage (due to a pre-existing condition) are excluded if the condition was diagnosed, treated or prescribed in the 3 months prior to the effective date of coverage. • Benefit eligible employees who have completed two full years of continuous employment with no gaps are eligible for employer paid, STD through United Healthcare. That’s STD coverage at NO COST TO YOU ! This benefit may provide you 60% of your weekly base pay, up to 12 weeks. Claims review and benefit amounts / administration is through United Healthcare. There are no pre-existing condition limitations on this policy .

VOLUNTARY LONG TERM DISABILITY

Long Term Disability (LTD) may provide you income protection through monthly benefits should you become unable to work, due to non-work related accident or illness. Benefits under LTD would begin to pay if/when your Short Term Disability benefit is exhausted. AMIkids offers benefit eligible employees the option to purchase Voluntary Long Term Disability through United Healthcare. Claims review and benefit amounts / administration is through United Healthcare. The chart below provides an overview of the plan.

How much does it pay?

60% of monthly base earnings

Is there a maximum to the monthly benefit?

Yes, 60% of your monthly base earnings cannot exceed $6,000.

Benefits commence after 90 days from disability (designed to begin as any STD pay is ending).

When would the LTD pay begin?

If you become disabled prior to age 62, benefits are payable to age 65 or Social Security Normal Retirement Age (SSNRA)

What’s the duration of the benefit?

Any Health condition that prevents you from doing your “Own Occupation”. Meaning the disability prevents you from performing at least one of the material duties of your regular occupation during the first 24 months of disability and after 24 months are unable to perform all the material duties of any gainful occupation.

What’s the definition of disability?

Please make note of the pre-existing condition limitations, which state disabilities that occur during the first 12 months of coverage (due to pre-existing condition) are excluded if the condition was diagnosed, treated or prescribed in the 3 months prior to the effective date of coverage.

Cost for Coverage Voluntary Short Term Disability (STD) &/or Voluntary Long Term Disability (LTD)

Check out myBenSite to see your personalized rates. Premiums will be deducted from your pay after taxes.

Employee

RETIREMENT BENEFITS

AMIKIDS PENSION PLAN After two years of employment, you may be eligible for the company sponsored pension plan. This retirement account is funded 100% by your AMIkids employer. Contributions are made based on years of service, see below for contribution schedule.

Contribution Schedule

Years of service

% of Salary

More than 2 years, but less than 10 years

10 years or more

15%

These contributions COST YOU NOTHING , it’s FREE money into a retirement account that you own! Each plan year in which a contribution is provided, and in which you are an eligible participant, an allocation will be made into your account automatically.

You have 100% vested interest in your account at all times!

Hardship withdrawals and loans are not permitted from the pension plan. Please contact the payroll department with any questions relating to the pension.

VOLUNTARY 403(b) RETIREMENT SAVINGS PLAN

To help prepare you for the future, AMIkids offers a 403(b) savings retirement plan through Fidelity Investments. This plan is 100% funded by you via PRE-TAX payroll deductions. AMIkids does not contribute to your 403(b) because of the company contributions made into your AMIkids Pension Plan (if you are an eligible participant). Once you enroll directly with Fidelity Investments you must notify your Business Manager or the Benefits Specialist to begin payroll deductions. Per your contribution request, AMIkids will forward these deductions to Fidelity Investments. With this plan, you can save a portion of your pay on a pre-tax basis (federal and most state income taxes are deferred on amounts contributed), up to $18,500 in 2018. Taxes are also deferred on your investment earnings within the plan. An additional deferment is available to employees age 50 and over which must be made by December 31st. These employees can defer up to $6,000 in addition to their regular contribution amount, for a combined total contribution limit of $24,500 in 2018.

You are always 100% vested in your contributions!

Hardship withdrawals and loans are not permitted from the 403(b) plan. Please contact Fidelity Investments with any questions relating to your 403(b).

WHEN CAN I START CONTRIBUTING? You are eligible for the 403(b) so long as you’re working 30+ hours per week, you may start contributing immediately and you may sign up at anytime! To set up your account, contact Fidelity directly at 800-343-0860 using Group # 64688.

VOLUNTARY BENEFITS

AMIkids offers you the option to enroll in voluntary benefits through United Healthcare. As these benefits are voluntary, you pay 100% of the cost for coverage for yourself and any dependents (spouse and/or child(ren)).

ACCIDENT INSURANCE

The Accident plan helps lessen the financial impact of out-of-pocket medical costs related to an accident by paying you a lump sum benefits for over 50 covered injuries and treatments.

These include, but are not limited to: • ER visits

• Physical therapy • Emergency dental work • Knee ligament injuries • Chiropractor

• Follow-up doctor visits • Broken bones and burns

• Ambulance • Dislocations

There is no total maximum amount for benefits payments! You may file multiple claims for multiple covered incidents and it includes catastrophic accident benefits. No health questions are required to enroll, meaning this plan is guaranteed issue. Additionally, there are NO pre-existing limitations.

CRITICAL ILLNESS INSURANCE (includes Cancer)

This benefit pays you a lump sum benefit when you, or a covered dependent, experience a covered critical illness. These include but are not limited to following conditions.

• Heart attack or Stroke • Coma • Kidney or major organ failure

• Blindness • Occupational HIV • Coronary bypass surgery (25%) • Cancer

• Benign brain tumor • Permanent paralysis

No health questions are required to enroll, meaning this plan is guaranteed issue. Please note limitations due to pre-existing conditions apply on this plan.

HOSPITAL INDEMNITY INSURANCE

This plan helps lessen the financial impact of out-of-pocket medical costs related to a covered hospital stay, with pre-defined benefit amounts. Even if the cost of the claim is less than the pre-defined benefit, the full pre-defined benefits will be paid to you directly.

Pre-defined benefits include, but are not limited to:

Hospital Admission Hospital Confinement Hospital ICU Confinement

$1,500 per insured person per calendar year

$200 per day (limits may apply) $200 per day (limits may apply)

No health questions are required to enroll, meaning this plan is guaranteed issue. Please note limitations due to pre-existing conditions apply on this plan.

MORE VOLUNTARY BENEFITS

LEGAL SHIELD

LegalShield provides their members with immediate, direct, centralized toll-free access to their Provider Law Firm to discuss personal legal matters without worrying about high hourly costs. The network is comprised of lawyers who have practiced a minimum of two years and who are in good standing with their state Bar Association. Any disciplinary actions, even if unfounded, may disqualify an attorney. LegalShield provides advice or assistance on a variety of legal issues; such as: • Family • Home • Auto • Estate issues • Financial LegalShield plans provide 24-hour access nationwide for covered emergencies. LegalShield Provider Law Firms adhere to the following service standards:

• Return call from attorney: 8 business hours • Document Review: 3 business days • Letter or Phone Call: 3 business days • Will Preparation: 10 business days • Referrals: 3 business days

You may access the cost for coverage through myBenSite. Premiums will be deducted from your pay after taxes.

ID SHIELD

Identity theft has been one of the top consumer complaints filed with the FTC for 16 years straight. Victims are spending an exorbitant amount of time and money dealing with it.

Members have unlimited access to the identity consultant services provided by Kroll’s Licensed Private Investigators. The Investigator will advise you on the best practices for identity management, tailored to your specific situation, Consultative services include:

• Address Change Verification • Event-Driven Consultative Support • Alerts and Notifications • Privacy and Security Best Practices

• Credit Monitoring • Payday Loan Monitoring • Dependent Identity Theft Protection

You may access the cost for coverage through myBenSite. Premiums will be deducted from your pay after taxes.

PET INSURANCE

AMIkids offers you the option to purchase pet health insurance at a discounted rate. This coverage is available through ASPCA ® (the American Society for the Prevention of Cruelty to Animals).

Pet parents may visit any licensed veterinarian or specialist in the US or Canada. This is not a network program.

When purchasing pet health insurance as an employee of AMIkids you will receive 10% off, plus a 10% multiple pet discount for each additional pet.

You may enroll online www.aspcapetinsurance.com/amikids or by phone at 1-877-343-5314. If enrolling by phone please use Priority Code: EBAMIkids

EMPLOYEE ASSISTANCE PROGRAM (EAP)

Sometimes it’s difficult to cope with life’s problems. Often we can turn to family and/or friends for support. Unfortunately, many times that’s not enough. Sometimes we need the ear of an experienced professional, one who will keep our concerns confidential and help guide us in the right direction. The Employee Assistance Program (EAP) is here for just that! The EAP is available to you and your family, providing you access to highly-trained professionals to help you find solutions to a variety of issues.

WHAT TYPES OF SERVICES AVAILABLE? • Stress and mental health • Resiliency • Depression • Health Issues (smoking, weight loss , diabetes, etc.)

• Grief • Balancing work and home • Drug and/or alcohol abuse • Gambling and other addictive behaviors

• Parenting • Financial services • Life changes • Relationship issues

AMIkids provides you AND your family members up to 3 face-to-face sessions per calendar year! By contacting a professional through the EAP, they can help you find appropriate resources in your area.

Financial Services are also available at no cost. You have access to financial consultations regarding a wide array of financial matters (budgeting, credit problems, home buying, financial planning on investments & savings and federal tax questions).

This program is at no cost to you, paid 100% by AMIkids . You can utilize the EAP even if you are not enrolled in an AMIkids medical plan. It’s available to you and your immediate family members through LifeWorks! Their experienced consultants offer confidential advice, resources and support 24 hours a day, 7 days a week! To access LifeWorks services and information, visit www.lifeworks.com using user ID: amikids and password: lifeworks or you may call them directly at 1-888-456-1324.

WORLDWIDE TRAVEL ASSISTANCE

AMIkids provides all regular employees with Travel Assistance, provided through United Healthcare (services of United Healthcare Global). This resource is available to you and your dependents for any single trip more than 100 miles from home.

WHAT WILL THEY HELP WITH?

Pre-Trip Assistance

Travel Assistance Services

• Immunization requirements • Passport and visa requirements • Travel/tourist advisories • Embassy/consular referrals • Foreign exchange rates

• Emergency travel arrangements • Document replacement (credit cards, airline tickets, etc.)

Medical Assistance Services • Locating legal services and medical providers • Help with replacing corrective lenses and medical devices

Call collect: 1-410-453-6330

Medical Emergency Transportation

• Emergency evacuation • Coordination of transportation for family to join hospitalized member, return of companion or child(ren)

Visit online: UHCGlobal.com Create an account using the ID #:358231

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