Employee Benefits Overview. Medical Dental Vision Life/AD&D Disability Supplemental Benefits

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1 Employee Benefits Overview Medical Dental Vision Life/AD&D Disability Supplemental Benefits

2 The information in this Enrollment Guide is presented for illustrative purposes. The text contained in this Guide 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 Guide 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 If you have any questions about this enrollment guide, please contact Human Resources. ONLINE ENROLLMENT ENROLLMENT INSTRUCTIONS 1. Go to: 2. Case ID: a Employee ID: first 4 of Last Name plus last 4 of SSN 4. Password: 4 digit Year of Birth EXAMPLE OF FIRST LOGIN Employee: Beverly Jones User Name: jone1234 Password: 1964 For help with your User Name & Password, please contact Human Resources at CONTACT INFORMATION Refer to this list when you need to contact one of your benefit vendors. For general information, contact Human Resources. MEDICAL (BCBSTX) Customer Service:... (800) Claims:... P.O. Box Dallas, TX Attn: Claims Web Site:... DENTAL (MetLife) Customer Service:... (800) Web Site:... VISION (Avesis) Customer Service:... (800) Claims:... P.O. Box 7777 Phoenix, AZ Web Site:... FSA (TASC) Customer Service:... (800) Address: International Lane Madison, WI Web Site:... LIFE/AD&D (Lincoln Financial) Customer Service:... (800) Claims:... P.O. Box 2649 Omaha, NE Web Site:... LONG TERM DISABILITY (Lincoln Financial) Customer Service:... (800) Claims: Indian Hills Dr. Omaha, NE Web Site:... SHORT TERM DISABILITY (Aflac) Customer Service:... (800) Web Site:... SUPPLEMENTAL (Aflac Group) Customer Service:... (800) Address:... P.O. Box 427 Columbia, SC Web Site:...

3 What s New: Medical premiums will increase 19.8% Blue Access is the member portal for BCBSTX Blue Points offers health and wellness rewards at no additional cost Avesis will continue as our vision carrier, with no change in coverage and a small premium increase Changing Your Elections Section 125 plans are governed by the IRS. As such, participants cannot make changes to their annual elections after open enrollment. However, there are limited circumstances which allow participants to make election changes. Family Status Changes Marriage Divorce Birth or adoption Death of spouse/dependent What s Not Changing: BCBSTX will continue as our medical carrier CentroMed will provide 80% of employees premiums for health insurance option 1 MetLife will continue as our dental carrier with no change in premium or coverage Aflac will continue to offer Critical Illness, Accident and Hospital Indemnity Plans CentroMed will continue to provide Basic Life/ AD&D and Long Term Disability for all eligible employees through Lincoln Financial You and your family will benefit from the company -sponsored Employee Assistance Program Start of employment for employee s spouse End of spouse s employment and insurance coverage Employee s spouse changes from full-time to part-time employment Dependent becomes ineligible for coverage Significant change in health coverage for the employee or their spouse related to employement Whenever any of these events occur, you are allowed to change your benefits. Your benefit changes must be consistent with your family status change. The changes will become effective on the date of the event, provided you notify Human Resources within 30 days of the event. How to Make Family Status Changes 1. Following a change in family status, you must contact Human Resources to change your benefits. 2. You will need to provide satisfactory proof of the event (i.e. marriage certificate, divorce decree, certificate of coverage, birth certificate, HIPAA certificate, etc.) 3. The deadline for making changes is within 30 days of the event. 4. If you do not meet the 30 day deadline, you must wait until the next open enrollment period or wait until there is another family status change. Employee Benefits Overview 2

4 MEDICAL INSURANCE BlueCross BlueShield of Texas # Blue Points Rewards When you complete the Health Risk Assessment, track a fitness workout, report a meal, or use other parts of the For Your Health section of the Personal Health Manager, you can earn Blue Points. Blue Points are redeemable at the Blue Points Account and Redemption Center for popular health and wellness merchandise and services. Blue Points is part of your HealthSelectSM of Texas benefits and there is no additional cost for you to participate. You can use your Blue Points for a wide array of health and wellness rewards, including: Sports equipment (bands, medicine balls, workout DVDs, cookbooks) Health club memberships; Electronics (ipod Shuffle, Blu-ray player, juicer, blender); Travel rewards (hotel stays); Donations to charitable organizations; And much more! Plan Features IN-Network Deductible Coinsurance Out-of-Pocket Max (Deductible not included) Preventive Care - Routine Physicals / Immunizations, Routine Gynecological Care, Routine Mammograms, Routine Eye Exams, Routine Hearing Exams, Newborn Hearing Screening Office Visit - PCP/Specialist Emergency Room Urgent Care Facility Inpatient Hospital Outpatient Surgery Diagnostic Lab Services X-ray Services Complex Imaging (MRI, CAT, PET, etc.) Retail Prescriptions Mail Order (90 Days) Out-of-Network Deductible Coinsurance Out-of-Pocket Max PER PAY PERIOD DEDUCTION (24) Employee Only Employee & Spouse Employee & Child(ren) Employee & Family

5 MEDICAL INSURANCE BlueCross BlueShield of Texas # This chart gives a brief look at the amounts you pay when you use in-network and out-of-network providers. Please refer to carrier plan summary for detailed information or clarification. Option 1 - Base Option 2 - Mid Option 3 - Buy Up $2,500 individual $5,000 family $1,000 individual $2,000 family $500 individual $1,000 family 70% 70% 80% $2,500 individual $5,000 famly $2,000 individual $4,000 family $1,000 individual $2,000 family 100% 100% 100% $30 copay $20 copay $20 copay 70% after $150 copay 70% after $150 copay 80% after $100 copay $30 copay $20 copay $20 copay 70% after deductible 70% after deductible 80% after deductible 70% after deductible 70% after deductible 80% after deductible 100% 100% 100% 100% 100% 100% 70% after deductible 70% after deductible 80% after deductible $15/$30/$50 $10/$25/$40 $10/$25/$40 3X copay 3X copay 3X copay $7,500 individual $15,000 family $3,000 individual $6,000 family $1,500 individual $3,000 family 50% 50% 60% $7,500 individual $15,000 family $6,000 individual $12,000 family $3,000 individual $6,000 family $31.57 $84.00 $ $ $ $ $ $ $ $ $ $ Employee Benefits Overview 4

6 VISION DENTAL Spectera MetLife #KM Plan 4 - PDP Plus Network Plan Features - Option 1 In-Network Out-of-Network Calendar Year Deductible - Basic and Major Services $50 Individual $150 Family $50 Individual $150 Family Annual Maximum - Basic and Major Services $1,000 per insured $1,000 per insured Preventive Services - Routine Exams, Topical Fluoride, X-Rays, Cleanings (2 per year) 100% 100% MAC Basic Services - Fillings, Extractions, Oral Surgery 70% 70% MAC Major Services - Crowns, Bridges, Dentures, Endodontics, Periodontics 40% 40% MAC Deductions Employee Only Employee & Spouse Employee & Child(ren) Employee & Family Per Pay Period (24) $7.00 $13.99 $14.54 $22.56 Plan Features - Option 2 In-Network Out-of-Network Calendar Year Deductible - Basic and Major Services $50 Individual $150 Family $50 Individual $150 Family Annual Maximum - Basic and Major Services $1,500 per insured $1,500 per insured Orthodontia Lifetime Maximum $1,500 $1,500 Preventive Services - Routine Exams, Topical Fluoride, X-Rays, Cleanings (2 per year) Basic Services - Fillings, Extractions, Oral Surgery, Endodontics, Periodontics 100% 100% R&C 80% 80% R&C Major Services - Crowns, Bridges, Dentures 50% 50% R&C Orthodontic Services (to age 19) 50% 50% R&C Deductions Employee Only Employee & Spouse Employee & Child(ren) Employee & Family Per Pay Period (24) $12.29 $23.12 $30.74 $41.31

7 VISION Avesis Group # Advantage Plus Plan Features In-Network Out-of-Network Frequency Exam/Lenses every 12 months Frames every 24 months Exam Copayment $10 n/a Eye Exam 100% after copay $35 Reimbursement Lenses and/or Frames Copayment $10 n/a Frames Lenses (per pair) - Single - Bifocal - Trifocal - Lenticular Contact Lenses (in lieu of glasses) - Elective (Fitting, Follow-up, Lenses) - Medically Necessary LASIK Surgery Benefit 100% after copay up to $50 wholesale cost (approx. retail of $100 to $150) 100% after copay 100% after copay 100% after copay 100% after copay $150 allowance 100% after copay Provider discount up to 25% plus $150 allowance $45 Reimbursement $25 Reimbursement $40 Reimbursement $50 Reimbursement $80 Reimbursement $150 Reimbursement $250 Reimbursement Reimbursed up to $150 Deductions Employee Only Employee & Spouse Employee & Child(ren) Employee & Family Per Pay Period (24) $3.14 $5.80 $6.29 $8.99 Employee Benefits Overview 6

8 LIFE and AD&D INSURANCE Lincoln Financial BASIC LIFE/AD&D # CentroMed provides full-time employees with a Life and Accidental Death and Dismemberment (AD&D) benefit of 2 times annual earnings up to $500,000 in increments of $1,000. This benefit is provided at no cost to the employee and requires no medical evidence of insurability. VOLUNTARY LIFE/AD&D # You can purchase additional life and accidental death and dismemberment coverage for yourself or your eligible dependents. You can purchase up to 5X annual salary or $500,000. The Guarantee issue is $150,000. Spouse coverage can be up to 50% of your benefit amount. Guarantee Issue is $25,000 for your spouse. Evidence of Insurability (EOI) is required for late enrollees, new employees requesting greater than the guarantee issue amount or for those wishing to increase their life insurance. Lincoln has an online EOI application which is accessible via the enrollment website. Monthly Cost for Each $1,000 of Employee Life Insurance Coverage Age < UniSmoker $0.06 $0.06 $0.08 $0.09 $0.10 $0.15 $0.23 $0.43 $0.66 $1.27 $2.78 $2.78 Monthly Cost for Each $1,000 of Spouse Life Insurance Coverage Age < UniSmoker $0.06 $0.06 $0.08 $0.09 $0.10 $0.15 $0.23 $0.43 $0.66 $1.27 $2.78 $2.78 Child Life Rate $1 per pay period for $10,000 of coverage for dependents 6 months and older These benefits reduce to 65% at age 65 and 60% at age 70. You are encouraged to review your beneficiary information periodically, and update it as necessary. You may change your beneficiary at any time, not only at open enrollment.

9 DISABILITY INSURANCE Income Protection LONG TERM DISABILITY Lincoln Financial # CentroMed provides Long Term Disability coverage which pays a percentage of monthly earnings if you become disabled for an extended period of time. Plan Features Elimination Period for Accident & Sickness Benefit Percentage Minimum Monthly Benefits $50 90 Days Maximum Monthly Benefit $1,500 Maximum Duration of Benefits Definition of Disability Employer Paid 66 2/3% of Monthly Earnings Social Security Normal Retirement Age 24 Months Own Occupation VOLUNTARY SHORT TERM DISABILITY Aflac #6255 Short Term Disability insurance provides a percentage of weekly earnings to individuals who become disabled for short periods of time. Plan Features Elimination Period Benefit Percentage Maximum Monthly Benefit $3,000 Maximum Duration Pre-Existing Condition 1 Day Accident 8 Days Sickness 50% of Monthly Earnings 90 Days Pays 50% benefit during pre-ex period Monthly Cost for Each $10 of Coverage Age Non-Tobacco Rate Mental & Nervous Limit Integration Look-Back Limitation Survivor Benefit Rate per $100 of Coverage 24 Months Primary & Dependents 03 Months 12 Months 3X monthly benefit Paid by CentroMed <=39 $ $ $ $ $ Grandfathered coverage only Employee Benefits Overview 8

10 FLEXIBLE SPENDING ACCOUNTS (FSA) TASC # Flexible Spending Accounts (FSA s) provide you with a means to pay for out-of-pocket medical/dental expenses and dependent care expenses with pre-tax dollars. You can elect to have money deducted from your paycheck on a pretax basis. Since this money is taken out of your check BEFORE you pay taxes, you are taxed on a smaller amount. The money in your Health Care spending account will be set aside to reimburse eligible medical, dental and vision expenses. The money in your Dependent Care spending account allows employees to use pre-tax dollars towards qualified dependent care such as caring for children under age 13 or caring for elders. There are two (2) types of FSA accounts: 1) Health Care Account and 2) Dependent Care Account. Each of these accounts is separate, and you can choose to participate in both the Health Care and Dependent Care accounts, only one of the accounts or neither. The rules and regulations of the Internal Revenue Service (IRS) govern all FSA accounts. The IRS sets specific guidelines as to what is considered an eligible expense for reimbursement. The elections you make will become effective 07/01/2013 and will remain in effect until the end of the plan year, 6/30/2014. The maximum amount you may contribute to the Health Care Account for the plan year is $2,500. The maximum amount you may contribute to the Dependent Care Account for the plan year is $5,000. The minimum contribution amount for the plan year is $240. Example: $240 / 24 = $10 per paycheck SUPPLEMENTAL BENEFITS Aflac #6255 CRITICAL ILLNESS A lump sum critical illness insurance policy provides a cash benefit if you re diagnosed or treated for critical illness events. The benefit is triggered by covered events, such as: Heart Attack Major Human Organ Transplant HOSPITAL INDEMNITY INSURANCE A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance. Some advantages of Aflac hospital confinement indemnity insurance includes: Stroke Paralysis Coverage for in- and out- patient procedures No Precertification or Deductibles End-Stage Renal Failure Cancer Portabiity Coma No network required ACCIDENT INSURANCE These benefits can be used to cover out-of-pocket expenses and the cost associated with life changes following a covered illness. When a covered accident occurs, the last thing on your mind is the charges that may be accumulating. These costs add up fast. Aflac will send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. Includes coverage for: Initial Treatment Ambulance, Ground and Air Wheelchair and Crutches Hospitalization & Follow up care Surgery Stitches Payroll Deductions Employee Only Employee & Spouse Employee & Child(ren) Employee & Family Hospital Indemnity $17.51 $34.84 $27.04 $44.37 Accident Insurance $8.10 $11.59 $15.45 $18.94 Critical Illness Premiums are based on the amount of coverage and your age as of the effective date and will remain the same for the life of the policy. The cost will be displayed in the enrollment system.

11 EMPLOYEE ASSISTANCE PROGRAM CentroMed provides an Employee Assistance Program (EAP) to help our employees who face personal matters that adversely affect their job performance or personal lives. Participation in the program is totally voluntary. The EAP offers a total of six confidential therapeutic counseling visits per year at no cost. The visits may be used by the employee, their family members or a combination of both, but may not exceed six visits in a 12-month period. The services are available at any CentroMed site which offers behavioral health services. If continuation of services is needed after six visits, sessions may continue on a self-pay basis or insurance, if accepted, may be used. Bilingual, masters-level professional therapists assist children and adults with many concerns, including: Parenting Stress Management Grief & Loss Marital Problems Behavior Problems Anger Management Work-Life Balance Depression Anxiety Incest & Sexual Abuse Physical Abuse Family Violence School Truancy Substance Abuse Check the centromedsa.com website for locations, availability and directions. In consideration of our employees privacy, CentroMed also offers the same service through the Family Service Association. CentroMed has a reciprocal arrangement with Family Service Association of San Antonio, located at 702 San Pedro; San Antonio, TX Employees may contact Family Service Association at (210) Ask for an appointment with Ashley Short and let her know that you work at El Centro del Barrio. For questions or help, contact the Human Resources Department at (210) Employee Benefits Overview 10

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