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1 COMPREHENSIVE COVERAGE PREVENTIVE AND WELLNESS BENEFITS LABORATORY BENEFITS LabOne PPO SAVINGS FREEDOM OF CHOICE C O P A Y P P O I N S U R A N C E P L A N S A, B, C, 8 0 / 6 0 1, / 7 0 5, / 6 0 MULTIPLE PLAN DESIGNS COST CONTAINMENT FEATURES

2 PPO COPAY 1 90/70 PLAN PPO COPAY 4 90/70 PLAN IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK $100 $200 $300 $600 $750 $1,500 $1,500 $3,000 (Up to out-of-pocket maximum then 100%) 90% 70% 90% 70% DOCTOR S ENCOUNTER FEE $10 $15 OPTIONAL - $250 every 5 years, age 2-44; $500 every 2 years, age 45-55; or $750 every year, age 56 and above not subject to deductible, paid at 100% 100% No deductible for covered testing processed at LabOne. (Provider collection and handling fees may apply and are subject to health benefit plan provisions) Deductible then 90% Deductible then 90% Deductible then 90% Deductible then 90% WELL BABY UP TO AGE 2 Deductible then 90% Deductible then 90% OTHER COVERED MEDICAL EXPENSES Deductible then 90% Deductible then 90% HEARING BENEFITS Hearing examination - up to $25 per 60 consecutive month period. Hearing aid including services and supplies up to $300 per 60 consecutive month period. Hearing aid repair all expenses up to $50 per Calendar Year

3 PPO COPAY 5 80/60 PLAN PPO COPAY 6 80/60 PLAN IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK $500 $1,000 $1,000 $3,500 $7,000 $6,500 $13,000 $7,000 $14,000 (Up to out-of-pocket maximum then 100%) 80% 60% 80% 60% DOCTOR S ENCOUNTER FEE $20 $25 OPTIONAL - $250 every 5 years, age 2-44; $500 every 2 years, age 45-55; or $750 every year, age 56 and above not subject to deductible, paid at 100% 100% No deductible for covered testing processed at LabOne. (Provider collection and handling fees may apply and are subject to health benefit plan provisions) WELL BABY UP TO AGE 2 OTHER COVERED MEDICAL EXPENSES HEARING BENEFITS Hearing examination - up to $25 per 60 consecutive month period. Hearing aid including services and supplies up to $300 per 60 consecutive month period. Hearing aid repair all expenses up to $50 per Calendar Year

4 PPO COPAY A 80/60 PLAN PPO COPAY B 80/60 PLAN IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK $1,000 $1,500 $3,000 $3,000 $6,000 $16,000 $4,500 $9,000 $9,000 $18,000 (Up to out-of-pocket maximum then 100%) 80% 60% 80% 60% DOCTOR S ENCOUNTER FEE $25 $25 OPTIONAL - $250 every 5 years, age 2-44; $500 every 2 years, age 45-55; or $750 every year, age 56 and above not subject to deductible, paid at 100% 100% No deductible for covered testing processed at LabOne. (Provider collection and handling fees may apply and are subject to health benefit plan provisions) WELL BABY UP TO AGE 2 OTHER COVERED MEDICAL EXPENSES HEARING BENEFITS Hearing examination - up to $25 per 60 consecutive month period. Hearing aid including services and supplies up to $300 per 60 consecutive month period. Hearing aid repair all expenses up to $50 per Calendar Year

5 IN-NETWORK $5,000 $10,000 PPO COPAY C 80/60 PLAN OUT-OF-NETWORK $10,000 $20,000 (Up to out-of-pocket maximum then 100%) 80% 60% DOCTOR S ENCOUNTER FEE $25 OPTIONAL - $250 every 5 years, age 2-44; $500 every 2 years, age 45-55; or $750 every year, age 56 and above not subject to deductible, paid at 100% 100% No deductible for covered testing processed at LabOne. (Provider collection and handling fees may apply and are subject to health benefit plan provisions) WELL BABY UP TO AGE 2 OTHER COVERED MEDICAL EXPENSES HEARING BENEFITS Hearing examination - up to $25 per 60 consecutive month period. Hearing aid including services and supplies up to $300 per 60 consecutive month period. Hearing aid repair all expenses up to $50 per Calendar Year

6 PAY LESS FOR MORE No one can be absolutely certain about the future of health care in America. However, one thing is clear, engineering firms and their employees are demanding greater flexibility and more affordable health insurance options. To meet this demand, the ACEC Life/Health Trust has developed the Copay PPO (Preferred Provider Organization) Plans a balance of cost savings and flexibility along with exceptional access to care. These plans are an attractive choice for any firm wishing to offer cost sharing options of deductibles and coinsurance combined with the convenience of self-directed referral to an extensive network of medical professionals. The Copay PPO Plans cover basic medical expenses, including wellness, preventive and recovery care. The plan also helps protect insureds against hospital and physician costs resulting from catastrophic illness or injury. PROTECT YOUR BOTTOM LINE Today, medical coverage is one of your most valued employee benefits. Copay PPO Plans offer various levels of coverage to help protect engineering firm employees from serious financial hardship. But that's not all. The cost containment provisions, such as Preadmission Hospital Certification, Case Management, Continued Stay Review, Wellness and Preventive programs offer employers a solid line of defense against rising health care costs. These features are designed to help protect your bottom line while at the same time providing comprehensive medical care for insureds. COMPREHENSIVE COVERAGE The following coverage is included with the ACEC Life/Health Trust Copay PPO Plan: Vision Benefits through Vision Service Plan Wellness Benefits Prescription Drug Card Laboratory Benefits through LabOne FREEDOM OF CHOICE Insureds may choose any physician or hospital. Of course, there is an advantage for insureds to stay in-network because benefits will be paid at their highest level. MULTIPLE PLAN DESIGNS Participating firms may choose from a range of Copay PPO Plans. The plans vary by coinsurance, deductibles and out-of-pocket maximums. Refer to the Plan Comparison chart on the following pages for more information. This chart saves you time by organizing essential information about available benefits and choices. FOUR LEVELS OF COVERAGE Each Copay PPO Plan includes a choice of four levels of coverage: Employee Only; Employee Plus Spouse; Employee Plus Child(ren); Employee plus Spouse and Child(ren) CO-PAYPPO 10/05

7 M E D I C A L E X C L U S I O N S / L I M I T A T I O N S EXCLUSIONS MEDICAL EXCLUSIONS/ LIMITATIONS Benefits will not be paid for expenses arising from or in connection with: Charges in excess of the Prevailing Fee. Treatment, services or supplies which are: - not Medically Necessary; - experimental, investigational, educational or primarily for the purpose of medical or other research; - not prescribed by a Physician as necessary to treat a Sickness or Injury; - received without charge or legal obligation to pay; - supplies or treatment that would not routinely be paid in the absence of insurance; - furnished by an employer maintained health department or clinic, by a labor union or other similar person or group; or - performed or received when coverage provided herein is not in effect. War, declared or undeclared, acts of war, or while in the military service of any country. Participating in a riot, civil disturbance or illegal occupation; or commission of, or attempt to commit, a felony or crime which would be a felony if prosecuted. Loss due to intentionally self-inflicted Sickness or Injury, if the Sickness or Injury is not the result of a medical condition. Loss due to suicide, if the suicide is not the result of a medical condition. Services provided due to a court order. Expenses incurred for Prescription Drugs, except if received while an inpatient. Service or supply furnished by a member of the Immediate Family or person who usually resides in Your home. Physician fees for any treatment when the Physician is not physically present or fees for missed appointments. Dental care or treatment, except as specifically stated in Covered Charges. Dental implantology. Eye refractions; eyeglasses; contact lenses or the fitting of contact lenses (unless necessary after surgery) or examinations for their prescription or fitting; eye exercises; or services or supplies related to the treatment of refractive error. Cosmetic surgery, except as specifically stated in Covered Charges. Fertility drugs, contraceptives and rogain (only for plans without Caremark). Sex transformations or services related to sexual dysfunction. Artificial insemination; surrogate pregnancy; in vitro fertilization and embryo transfer; and reversal of vasectomy or tubal ligation. Expenses incurred in connection with the pregnancy of a Dependent child, except for Complications of Pregnancy. Behavior modification or psychological counseling in connection with smoking cessation and weight control, including, but not limited to: vitamins, diet supplements and health club memberships. Treatment of exogenous obesity. Vitamins; minerals or nutritional substances or supplements. Sickness or Injury covered by any Workers' Compensation Act or similar law, except if You are not eligible for Workers' Compensation or similar coverage. Hearing aid batteries. Services of any educational institution. LIMITATIONS Pre-existing Condition Limitation Expenses that result from care or treatment of a Pre-existing Condition will not be considered as Covered Charges. This limit will not apply to : a Covered Person, after the first 12 months following the date he became covered or the first day of the waiting period if earlier; or a Late Enrollee, after the first 18 months following the date he became covered or the first day of the waiting period if earlier; a newborn for the first 30 days after birth; or a child, if enrolled under this plan or any Qualifying Coverage within the first 31 days of birth, and continuously covered with no break in coverage of more than 63 days; or a child adopted prior to age 18, if enrolled under this plan or any Qualifying Coverage within the first 30 days of the adoption or placement for adoption, and continuously covered with no break in coverage of more than 63 days. This limitation period will be reduced for the time the Covered Person was covered under Qualifying Coverage if such coverage was continuous to a date not more than 63 days prior to the effective date of this coverage, excluding any waiting period. Exclusion and limitations may vary based on state mandates. The information contained in this brochure is a general description of features, benefits, requirements and restrictions of Trustmark Policy AXX/K. Please refer to the Certificate of Insurance for more details, or contact your sales representative. HealthPlan Services 3501 E. Frontage Road Tampa, FL Trustmark Life Insurance Company and Trustmark Insurance Company 400 Field Drive Lake Forest, IL 60045

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