How To Get A Keyselect Health Insurance Plan

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1 Employee Health Insurance - KeySelect We are pleased to offer our employees who have completed 90 days of employment the opportunity to enroll in KeySelect health benefits. KeySelect offers our employees and their families a choice of three different health plans (bronze, gold and platinum.) KeySelect: Requires no employee deductible or co-insurance Has no pre-existing exclusions or limitations Allows you to pick your own doctor or from a discounted network Pays fixed indemnity benefits Your monthly premiums are deducted directly from your checking account Employees enroll directly with KeySelect For more information about plan coverage, employee costs, or to enroll in your choice of plans - please call KeySelect ( ), Monday-Friday 8:30 am -7:00 pm EST. 800 Kings Highway North Suite 405 Cherry Hill, NJ Phone: Fax: Source4Teachers.com

2 m e e t i n g t h e b e n e f i t n e e d s o f w o r k i n g a m e r i c a n s tm Affordable, Limited Benefit Group Healthcare

3 Realize the Benefits Over 45 million working Americans nearly 20% of working adults do not have group health insurance. 1 Are you one of these hard-working Americans? If so, KeySelect Tm may be just what you and your family need. Healthy people stay healthy by taking care of themselves! Health coverage can lead to better health, increased productivity, reduced anxiety, increased job satisfaction, and decreased absenteeism. The affordable Studies show that uninsured individuals and family members: - are often more ill upon diagnosis of an ailment - use fewer services to prevent and detect medical problems - have worse health outcomes - increased disability rates - earn less money due to lost time on the job 1 KeySelect program has been developed with this in mind. It is valuable to you and your family because it: Asks no health questions for newly eligible applicants applying within 31 days Requires no deductibles or co-insurance it is easy to use and to understand Has no pre-existing limitations or exclusions if your group has 10 or more enrolled in the plan Allows for provider choice pick your own doctor or from a discounted network 2 Has no coordination of benefits pays fixed indemnity benefits Takes payment via payroll deduction a convenience provided by your employer Contains a COBRA provision you can take it with you if you leave your employer 3 KeySelect is the healthcare solution for those key workers and their dependents that may be uninsured. It is high quality, affordable healthcare for yourself and those you love. Page 2 of 5

4 Affordable, Limited Benefit Group Healthcare Insurance For Information Call: KeySelect Benefits Bronze Plan Gold Plan Platinum Plan Daily In-Hospital Indemnity Benefit The indemnity benefit pays a daily benefit for hospital confinement. Requires a 24-hour stay. $ % days % days % days $ % days % days % days $ % days % days % days Surgery and Anesthesia Indemnity Benefit Pays for surgical procedures according to a Surgical Schedule. Anesthesia Benefit pays 20% of the Surgery Benefit Paid. $500 surgery $100 anesthesia $500 surgery $100 anesthesia $1,000 surgery $200 anesthesia Outpatient Physician Office Visit Indemnity Benefit $50 Up to 6 visits/yr $60 Up to 6 visits/yr $70 Up to 6 visits/yr Outpatient Testing/Diagnostic Xray and Laboratory Indemnity Benefit This indemnity benefit will be paid per testing day subject to the calendar year maximum per covered person. $40/testing day $100/yr max $40/testing day $300/yr max $40/testing day $300/yr max Outpatient Prescription Drug Benefit Generic $10 copay OC $15 copay Brand - $50 copay Non Formulary - PPO $1,000/yr max Generic $10 copay OC $15 copay Brand - $50 copay Non Formulary - PPO $1,000/yr max Generic $10 copay Brand - $50 copay Non Formulary - PPO Generic: Unlimited Brand: $2,000/yr max Hospital Emergency Room Indemnity Benefit The indemnity benefit amount selected is payable per visit per Accident or Injury for treatment received in a Hospital Emergency Room within 72 hours of a covered accident. $300 1x/yr $400 1x/yr $400 1x/yr Mental & Nervous Daily In-Hospital Confinement Indemnity Benefit - Mental or Nervous Disorders are covered the same as any other sickness. Substance Abuse Daily In-Hospital Confinement Indemnity Benefit - Substance Abuse (including alcoholism) is covered the same as any other sickness. Included Included Included Included Included Included Multiplan PPO Network Included Included Included Key Care Guide & Wellness Services Included Included Included Monthly Premium Employee Only $69.95 $99.95 $ Employee & Spouse $ $ $ Employee & Child(ren) $ $ $ Employee & Family $ $ $ Rates include a COBRA administration fee of $1.55 and an ACH fee of $4.00

5 Questions & Answers How were the plan benefits and rates determined? Your insurance representative worked with your employer to customize a plan best suited for your needs and the needs of your fellow employees. Your benefits and rates options are found in the Benefit Summary and Outline of Coverage for your group. Why should I consider purchasing KeySelect? Your decision should be based on a combination of affordability and your coverage needs. The claims stratification graph provided herein shows that the majority of annual claims, or 81%, are under $2, Therefore, your KeySelect program has been designed by your employer to meet your most important needs. ANNUAL AVERAGE CLAIM CHARGES PER PERSON 4 $0 $1,250 $1,251 $2,500 $2,501 $5,000 $5,001 $10,000 $10,001 plus KeySelect can cover the typical annual medical cost for an employee and their dependents! What restrictions are there on the selected physicians and hospitals? You can visit any doctor or hospital. However, if your employer elected to add a PPO Network Benefit as part of your plan design, and you use a contracted physician or hospital, you will receive valuable negotiated discounts. If your employer did not elect this option, it may be that the network does not have enough coverage in your area. We are always working on adding providers to the network. So, the network may be an option at a future enrollment. We offer the MultiPlan national network nationwide. To review a list of providers, visit the Key Benefit Resources website at Will I receive an insurance identification card? Yes, a card will be issued once the enrollment has been approved. An additional card may be requested for a spouse. How are claims processed? Benefits can be paid direct to you or assigned to a physician or hospital. Assigned means you are allowing the insurance company to pay the provider directly. If assigned, most providers will file a claim to receive payment. If the billed amount exceeds the plan specific benefit amount, the provider will bill you for the difference. Some providers will require that the entire bill be paid up-front. In such cases, you can obtain a claim form from the administrator s website (or your employer s office), and submit it along with valid receipts for reimbursement. You will find the information for submitting a claim on your claim form. Claims processing will typically be initiated within 10 working days of receipt. If you have a question about your claim, call between 8:30 AM and 7:00 PM EST. Health insurance influences your medical care decisions and, ultimately, the quality of life. 1 Page 4 of 5

6 How Do I Sign up For KeySelect? Typically an employer will notify you via memo regarding your available enrollment options and your open enrollment dates. Please verify this information before proceeding to enrollment. Enrollment will be conducted using the KBA in-house call center and/or through group employee meetings. Our knowledgeable staff will answer your questions and assist you with your enrollment. Upon coverage approval, you will receive an insurance certificate and identification card in the mail. When is Coverage Effective? Your employer selects the effective date and your coverage will be stated in your Benefit Summary and Outline of Coverage Million U.S. Adults are Underinsured, online at 2 Assumes that the PPO Network option is part of your plan. Please verify this option in your Outline of Coverage. 3 Up to 18 months. 4 Key Benefit Administrators, Inc. claim database of allowed charges, excluding drug card/pbm costs, for the period ending 5/31/2005. Fidelity Security Life Insurance Company (FSL) FSL is the insurance company underwriting the KeySelect plan. It is the provider of the health indemnity, term life, prescription drug, vision and dental insurance benefits. FSL is located in Kansas City, Missouri, and has been rated A- (Excellent) based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. Key Benefit Administrators (KBA) KBA is one of the largest, privately held third party administrators (TPA) organizations in the country. KBA is licensed as a TPA, as required by certain states, with FSL. KBA services a large variety of group benefit plans, and provides various functions like policy issue, billing and collection, customer service, claims, COBRA continuation, HRA, HSA, FSA, and Section 125 administration. It serves over half a million members, and processes over two million transactions per year. The company has offices in Indianapolis, Indiana and Ft. Mill, South Carolina. Key Benefit Resources (KBR) KBR is a DBA insurance marketing company for TurnKey Benefit Insurance Services, Inc. (TKBIS). TKBIS is contracted and appointed with Fidelity Security Life Insurance Company (FSL) for the purpose of distributing and promoting insurance products, which includes KeySelect Limited Benefit Medical program. The company works with insurance companies to build customized, proprietary employee benefits for the purpose of Meeting the benefit needs of working Americans. It also provides benefit-planning expertise to insurance representatives and their clients. KBR has partnered with Key Benefit Administrators, which provides their administrative processing support. KBR has offices in Little Rock, Arkansas; Indianapolis, Indiana; Houston, Texas; Las Vegas, Nevada and Ft. Mill, South Carolina. Arranged by: Administered by: Underwritten by: Group Master Policy No. LM-109 and Group Policy Form No. M This brochure is not a contract. The Group Master Policy, including certificate, will describe the complete terms, conditions, provisions, benefits, limitations, and exclusions by state. In case of conflict between this flier including Benefit Summary and Outline of Coverage, and the Master Policy, the language of the Master Policy is overriding. Some provisions, benefits, exclusions or limitations herein may vary by state. Not available in all states. KS EE Brochure 10/06/08 Page 5 of 5