2017-2018 Stock Benefit Guide_Ingram

Employee Benefits Guide

2017 –2018 201

Contents & Contact Information

BROKER Company Name Broker Contact

M.E. Wilson Company

Alison Leon

Company Phone Number Company Email Address

888-229-8021 Ext. 146 aleon@mewilson.com

MEDICAL Company Name

PAGE 5

Cigna

Company Phone Number Company Web Address

800-Cigna24 (800-244-6224)

www.cigna.com

VIRTUAL VISITS Company Name

PAGE 6

Cigna

Company Phone Number Company Web Address

800-Cigna24 (800-244-6224)

www.cigna.com

HEALTH SAVINGS ACCOUNT Company Name Company Phone Number Company Web Address

PAGE 7

Optum Bank 866-234-8913

www.optumbank.com

DENTAL Company Name

PAGE 8

Cigna

Company Phone Number Company Web Address

800-Cigna24 (800-244-6224)

www.cigna.com

VISION Company Name

PAGE 9

Cigna

Company Phone Number Company Web Address

877-478-7557 www.cigna.com

EMPLOYEE ASSISTANCE PROGRAM Company Name

PAGE 10

UnitedHealthcare 888-451-7986

Company Phone Number Company Web Address

www.liveandworkwell.com

FLEXIBLE SPENDING ACCOUNT Company Name Company Phone Number

PAGE 11

ADP

855-616-0288

Company Web Address

www.myspendingaccount.adp.com

BASIC AND VOLUNTARY LIFE Company Name Company Phone Number Company Web Address

PAGE 12

UnitedHealthcare 888-451-7986 www.myuhc.com

SHORT-TERM AND LONG-TERM DISABILITY Company Name

PAGE 13

UnitedHealthcare 888-451-7986 www.myuhc.com

Company Phone Number Company Web Address VOLUNTARY BENEFITS Company Name Company Phone Number Company Web Address EMPLOYEE ADVOCACY Company Name Company Phone Number Company Web Address

PAGE 14

Allstate

800-521-3535; Greg Benjamin, Agent: 727-480-4531

www.allstate.com

PAGE 15

Health Advocate 866-695-8622

www.healthadvocate.com/members

PAGE 16

DISCLOSURE NOTICES

Benefit Information YOUR BENEFITS PLAN ______ offers a variety of benefits allowing you 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.

BENEFIT

WHO PAYS THE COST?

Medical Insurance

______ pays the majority of the employee and dependent costs.

Dental Insurance

______ pays 50% of the employee and dependent costs.

______ offers vision coverage on a voluntary basis. You are responsible for 100% of the cost.

Vision Insurance

Basic Life Insurance and AD&D ______ provides Basic Life for all eligible employees. Voluntary Life Insurance and AD&D Employees may purchase voluntary life insurance at an additional cost. Short and Long Term Disability ______ pays 100% of the cost for employee disability coverage.

Eligibility All regular full-time employees are eligible to join the ______ Benefits Plan on the 1st of the month following 30 days. “Regular full-time employees” must be regularly scheduled and working at least 30 hours per week. You may also enroll your dependents in the Benefits Plan when you enroll. Eligible dependents include: • Your legal spouse • Your married or unmarried natural children, step-children living with you, legally adopted children and any other children for whom you have legal guardianship, who are: • Under 26 years of age; • A dependent who is older than 26 years of age, but less than 30 years of age may be eligible for medical benefits. To be eligible, a dependent must: • Be unmarried and not have dependents of his or her own; AND • Be a resident of Florida or a student; AND • Not have coverage of their own, or covered under any other plan, including Medicare

WHEN CAN YOU ENROLL?

You can sign up for Benefits at any of the following times: • After completing your initial eligibility period; • During the annual open enrollment period; • Within 30 days of a qualified family-status change. If you do not enroll at one of the above times, you may enroll during the next annual open enrollment period.

BENEFITS AT A GLANCE

Benefit Information CHOOSING YOUR BENEFITS You are required to actively choose any benefits paid for by ______ or that you pay for or share in the cost of. This is how your part of the cost is automatically taken out of your paycheck: • BEFORE YOUR TAXES ARE CALCULATED – Medical, Dental, Vision, HSA and FSA contributions (if applicable)

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.

Making Changes Generally, you can only change your benefit choices during the annual benefits enrollment period. However, you may be able to change your benefit choices during the plan year if you have a change in status including: • 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 residence or work site that affects your eligibility for coverage • Change in your child’s eligibility for benefits • Receiving Qualified Medical Child Support Order (QMCSO)

KEY BENEFIT TERMS Copayment – A flat fee that you pay for medical services, regardless of the actual amount charged by your doctor or another provider. This generally applies to physicians’ office visits and prescription drugs. Deductible – The amount you pay toward medical and dental expenses each year before the plan begins paying benefits. Out of Pocket Maximum – The maximum amount you will pay in deductibles, coinsurance and copayments during the year.

If you fail to notify Human Resources within 30 days of a family status change, you will be required to wait until the next annual enrollment period to make benefit changes unless you have another family status change. WHEN COVERAGE ENDS Coverage will stop on the last day of the month in which employment with the company ends.

BENEFITS AT A GLANCE

Medical Insurance

______ offers three medical plans through Cigna. To find participating providers go to www.cigna.com and click on “Find a Doctor,” then follow the prompts to complete the search. The provider network for all three plans is “Open Access Plus.” The chart below provides a brief overview of the medical plans. 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 your exact description of services and supplies that are covered, those which are excluded or limited, and other terms and conditions of coverage.

VALUE

ENHANCED

HDHP

IN-NETWORK: Plan Year or Calendar Year Basis Deductible (Individual / Family)

Calendar Year $--.--/ $--.-- 80% / 20% $--.-- / $--.--

Calendar Year $--.-- / $--.-- 90% / 10% $--.-- / $--.--

Calendar Year $--.-- / $--.-- 100% / 0% $--.-- / $--.--

Coinsurance

Maximum Out-of-Pocket (Individual/Family)

Maximum Out-of-Pocket Includes

Deductible, Coinsurance & Copayments

Deductible

Lifetime Maximum PREVENTIVE CARE: Wellness

Unlimited

Immunizations Mammography/Colonoscopy COPAYMENTS: Referral Required Cigna Telehealth Connection Office Visits Consultations for Illness or Injury

Covered 100%

$25

$20

Up to $40

$25 Copayment $50 Copayment

$20 Copayment $40 Copayment

Deductible Deductible Deductible Deductible Deductible Deductible

Specialist Visits Inpatient Hospital Outpatient Surgery Emergency Room

Deductible & Coinsurance Deductible & Coinsurance

$250 Copayment $75 Copayment

Urgent Care

OUTPATIENT DIAGNOSTIC SERVICES: Independent/Freestanding Lab and simple x-rays

Covered 100%

Deductible

PRESCRIPTIONS:

Tier 1: $10 Copay Tier 2: $35 Copay Tier 3: $60 Copay

Covered 100% after Annual Deductible

Retail (30 day supply)

OUT-OF-NETWORK Deductible (Individual / Family)

$--.-- / $--.-- $--.-- / $--.--

$--.-- / $--.-- $--.--/ $--.-- 80% / 20% Enhanced

$--.-- / $--.-- $--.-- / $--.--

Maximum Out-of-Pocket (Individual/Family)

Coinsurance

60% / 40%

80% / 20%

Bi-weekly Payroll Deductions

Value $ --.-- $--.-- $--.-- $--.--

HDHP $ --.--

Employee Only

$ --.-- $--.-- $--.-- $--.--

Employee + Spouse Employee + Child(ren)

$--.-- $--.-- $--.--

Family

1 No one in the family is eligible for benefits until the family deductible is satisfied.

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFITS AT A GLA CE

Virtual Visits Cigna Telehealth Connection

To access Cigna Telehealth Connection

When you don’t feel well, or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now, you don’t have to. A virtual visit lets you see and talk to a doctor from your mobile device or computer without an appointment. Most visits take about 10-15 minutes and doctors can write a prescription, if needed, that you can pick up at your local pharmacy.

Log into www.cigna.com and choose from provider sites where you can register for a virtual visit. After registering and requesting a visit, you will pay your portion of the service costs according to your medical plan, and then you will enter a virtual waiting room. During your visit, you will be able to talk to a doctor about your health concerns, symptoms and treatment options.

And, it’s part of your health benefits.

Conditions commonly treated through a virtual visit Doctors can diagnose and treat a wide range of non-emergency medical conditions, including:

Bladder infection/ UTI

Bronchitis Sore throat Stomach ache

Cold/Flu

Diarrhea

Cough

Migraine/headaches

Pink eye

Sinus Problem

Rash

Choice is good. More choice is even better. Cigna provides access to two telehealth services as part of your medical plan - AmWell and MDLIVE. Register for one or both today so you will be ready to use a telehealth service when and where you need it.

AMWellforCigna.com

MDLIVEforCigna.com

000-000-0000

To learn more, log into

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFIT AT A GLANCE

Health Savings Account (HSA)

What is a Health Savings Account (HSA)? It is an interest-bearing account created to help you pay medical expenses. The funds in your HSA can be used to help pay your deductible, coinsurance and any qualified medical expenses not covered by your health plan (including dental and vision expenses). All of the money you contribute is tax deductible when used to pay for qualified medical expenses. An HSA is your account. It goes with you if you change jobs or when you retire. Only employees enrolled in the High Deductible Health Plan (HDHP) are eligible to contribute to a Health Savings Account.

2017 IRS ANNUAL MAXIMUM HSA CONTRIBUTION LIMITS Employee Only $ --.--

Family

$ --.--

Catch-up amount for employees 55 years or older

Additional $ --.-- annually

Health Savings Account – Eligible Expenses

• Acupuncture • Alcohol and drug dependency treatment • Ambulance • Artificial limbs • Breast reconstruction surgery (mastectomy-related) • Dental expenses (exams, cleanings, X-rays, root canals, bridges, etc.) • Diagnostic fees • Doctor fees (including Chiropractic services) • Drugs - prescription and over the counter (when ordered by a physician) • Eyeglasses and exams, contact lenses & solutions, laser surgery

• Fertility enhancements • Hearing aids and batteries • Hospital and laboratory fees • Long-term care (medical expenses and premiums) • Nursing home • Physical and speech therapies • Psychiatric care • Smoking-cessation programs and products • Vasectomy • Weight-loss program (to treat a specific disease diagnosed by a physician)

BENEFITS AT A GLANCE

Dental Insurance

______ offers dental coverage through Cigna. The PPO Dental Plan allows you to use in-network or out-of-network dentists. To find participating in-network dentists, go to www.cigna.com and click on “Find a Doctor.” If out-of-network dentists are used, you will be responsible for paying the difference between Cigna’s allowed amount and what the dentist may charge, also known as “balance billing.” The chart below provides a brief overview of the plan.

DENTAL PPO PLAN In-Network

Out-of Network 1

Calendar Year Deductible Individual

$--.-- $--.-- $--.--

Family

Annual Maximum

Diagnostic & Preventive Exams Cleanings Fluoride X-Rays Sealants Regular Restorative Services Fillings Extractions - Single Tooth Endodontics (Root Canal) Periodontics (Gum Disease) Major Services Crowns

Covered in full

Covered 80% after deductible

Bridges Dentures Orthodontia

Covered 50% after deductible

50% $1,000 lifetime maximum per person

(Children under the age of 19)

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

EMPLOYEE PAYS PER PAY PERIOD

Employee Only

$ --.-- $--.-- $--.-- $--.--

Employee + Spouse Employee + Child(ren)

Family

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFIT AT A GLANCE

Vision Insurance ______ offers vision coverage through Cigna. The Cigna vision plan allows you the flexibility to see any provider. You receive the highest level of benefit when you receive services from a participating provider. To find participating in-network providers, go to www. cigna.com and click on “Find a Doctor.” Below is a list of the reimbursement schedule.

VISION PPO PLAN In-Network

Out-of Network

Routine Eye Exams

$10 Copayment

Reimbursed up to $25

Reimbursed from $40 to $100 depending on type of lenses

Lenses

$25 Copayment

Frames

$130 allowance after $25 copayment

Reimbursed up to $71

One pair or single purchase per frequency Up to $110 (Allowance applied toward cost of supplemental contact lens professional services (including the fitting and evaluation) and lens materials. Non-selection contacts: up to a $105 allowance

Contact Lenses

Reimbursed up to $98

Frequency Exam

Once every 12 months Once every 12 months Once every 24 months

Lenses or contact lenses

Frames

EMPLOYEE PAYS PER PAY PERIOD

Employee Only

$--.-- $--.-- $--.-- $--.--

Employee + Spouse Employee + Child(ren)

Family

HEALTHESYSTEMS BENEFITS AT A GLANCE BEN FITS AT A GLANCE

Employee Assistance Program

Employee Assistance Program (EAP)

Life is stressful, and sometimes the constant challenges can become overwhelming. When you have unresolved problems, it can take a serious toll on both your work and home life. To help you through difficult times, we offer a Member Assistance program as part of our long-term disability plan. The program offers members and their families personal and confidential support that’s available 24 hours a day, 7 days a week. With just one call, you can get the following types of assistance:

• • • •

Counseling services

Help with financial and legal issues

Family support

Help with relationships, coping and depression

Convenient, confidential support. The Member Assistance program provides confidential support whenever you need it at no cost to you. The program includes the following services: • Toll-free Member Assistance line: Phone access to a master’s-level counselor, 24 hours a day, 7 days a week. To reach Member Assistance, call 1-877-660-3806. • 24/7 access to liveandworkwell.com : Online access to an interactive website that provides tools and information to help enhance your work, health and life. There are two ways to login:

1. Create your own user name and password under “Members: Login or Register;” OR 2. Use the access code “LTDEAP” under “Guest Access.”

• Referrals for face-to-face counseling: Referrals to a national network of licensed and certified clinicians for up to three sessions • Legal services: Free 30-minute telephone or in-person consultation with an attorney for help with legal concerns (an attorney may be retained for ongoing services at a 25% discounted rate) • Referral to helpful resources: Referrals to community resources from a database of more than 100,000 contacts Maintaining your privacy and confidentiality is of utmost importance. All records, referrals and evaluations are kept private and confidential in accordance with federal and state laws.

BENEFITS AT A GLANCE

Flexible Spending Account

Flexible Spending Account (FSA)

WHAT IS A FLEXIBLE SPENDING ACCOUNT? A Flexible Spending Account enables you to set aside a predetermined dollar amount in an account to cover eligible out-of-pocket health care and dependent day care expenses throughout the year. IRS rules allow you to contribute to your account(s) through payroll deduction on a pre-tax basis (before federal income tax & social security) reducing your taxable income. The dollars set aside in a Flexible Spending Account are actually worth more because they are tax-free. As a participant, you pay no taxes on the contributions or the withdrawals. Any unused money left in the account at the end of the year will be forfeited. Please be conservative with your elections.

2017 FLEXIBLE SPENDING ACCOUNT MAXIMUMS

Health Care

Dependent Care

Monies can be put aside to pay for non-covered medical, dental or vision expenses up to a maximum of $---.--. Employees and eligible dependents do not need to participate in the ______ medical, dental or vision plans to participate in the health care reimbursement account. For those employees who participate in the Health Savings Account Medical Plan, you are not eligible to participate in the FSA plan at this time.

Monies can be put aside for reimbursement for dependent daycare expenses incurred for children under the age of 13. The annual maximum per family $--.--. Dependent Care Reimbursement Account & the Federal Tax Credit You have the option to take either a tax credit on your federal income tax return for your dependent care expenses or receive pretax reimbursement of expenses through the reimbursement account. You cannot use the reimbursement account and the federal tax credit for the same expenses.

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFIT AT A GLANCE

Basic and Voluntary Life Insurance

Basic Life Insurance

______ provides life insurance to all active full time employees at no cost to the employee. The chart below provides an overview of the plan.

BASIC LIFE INSURANCE

Employee Benefit Amount Age Reduction Schedule

1x annual salary to a maximum of $300,000

65%@age 65, 40%@age 70, 25%@age 75, 15%@age 80

Accidental Death & Dismemberment (AD&D)

Included Equal to basic life amount

Portability and Conversion

Included

Voluntary Life And AD&D Insurance

______ offers you the option to purchase voluntary life and AD&D for yourself and for your eligible dependents. The chart below provides an overview of the plan.

VOLUNTARY LIFE AND AD&D INSURANCE

Increments of $10,000 up to a maximum of 5x salary or $300,000, whichever is less. No evidence of insurability up to a maximum of $100,000 (newly eligible employees only). Increments of $5,000 up to a maximum of 50% of employee amount or $50,000, whichever is less. No evidence of insurability up to a maximum of $20,000 (newly eligible dependents only).

Employee Only

Employees Under Age 65

Spouse

Spouses Under Age 65

Benefit Reduction Schedule

65%@age 65, 40%@age 70, 25%@age 75, 15%@age 80

Children

Increments of $2,000 up to a maximum of $10,000.

Voluntary Life Life Rates per $1,000 of benefit (Spouse rate is based on employee’s age)

AGE:

<25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74

Employee --.--

--.-- --.--

--.-- .--.--

--.-- --.--

Spouse

--.--

Child(ren) --.-- Voluntary Life and AD&D Rates Life Rates per $1,000 of benefit (Spouse rate is based on employee’s age) AGE: <25

25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74

Employee --.--

--.-- --.--

Spouse

--.-- --.--

Child(ren)

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFIT AT A GLANCE

Short and Long Term Disability Insurance

Short Term Disability

______ provides short term disability insurance to all active full-time employees, at no cost to the employee. The chart below provides an overview of the plan.

SHORT TERM DISABILITY

Benefit Percentage

60% of basic earnings

Maximum Weekly Benefit Elimination Period Duration of Benefit Definition of Earnings

$2,000 per week

Benefits commence on the 1st day for an accident and 8th day of sickness

90 days / 13 weeks

Base Salary

Long Term Disability

______ provides long term disability insurance to all active full-time employees, at no cost to the employee. The chart below provides an overview of the plan.

LONG TERM DISABILITY

Benefit % of Monthly Covered Payroll

60% of basic earnings

Monthly Maximum Elimination Period Benefit Duration Definition of Earnings

$6,000 per month

Benefits commence on the 91st day

Social Security Normal Retirement Age (SSNRA)

Base Salary

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFITS AT A GLANCE

Voluntary Benefits Employees may choose to enroll in a variety of supplemental coverages available through Allstate. A broad selection of employer- sponsored products is available to enhance your benefit package and meet your individual needs. Following are some of the benefits available to you: Accident Coverage – These plans help cover the unexpected expenses resulting from covered accidents. Hospital Income Coverage – Hospital Income plans pay specific benefits such as admissions to the hospital. This can be used to help fill the gaps caused by most major medical plans (co-payments and deductibles). Critical Illness – The Critical Illness plan pays a lump sum upon diagnosis of a covered critical illness for you to use where it’s needed most. It can help pay coinsurances, deductibles, caregivers, special medical equipment, loss of income and extra living expenses. Cancer – Cancer policies pay specific benefits if there is a diagnosis of cancer.

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFITS AT A GLANCE

Employee Advocacy ______ also provides employees who are enrolled in the company medical plan access to Health Advocate. Health Advocate is your healthcare go to when you have questions about bills, finding the right clinical care, or if you just want to talk with a healthcare advocate about a condition. Your Health Advocate benefit covers all eligible employees, their spouses, dependent children, parents and parents-in-law.

healthadvocate.com/video/ memberadvocacy.html WATCH THE VIDEO

HEALTHESYSTEMS BENEFITS AT A GLANCE BENEFIT AT A GLANCE

The information in this Benefits Summary is presented for illustrative purposes and is based on information provided by your employer. The text contained in this Summary was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Benefits Summary and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this summary, contact Human Resources.

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