Welcome to Greater Houston Builders Association

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1 Welcome to Greater Houston Builders Association Group Health Insurance Program Quality healthcare plans at affordable rates Multiple medical, pharmacy and dental plans to choose from TXHHRV5EN 1113

2 GHBA Group Insurance Program As a member of the Greater Houston Builders Association, you have access to our Health Insurance Program. This program allows the GHBA to function as one large group which has many benefits. The program was designed to avoid or minimize certain aspects of the changing healthcare industry that are going to be devastating to a large number of businesses. When you purchase your group insurance through the GHBA, the insurance risks are spread over a greater number of people which will help you deal with the upcoming rate increases over the next several years. The projections for smaller companies outside of our program are significant. Larger companies might not get as large of rate increases but they will still be substantial. The GHBA program has been designed to insulate you from not only rate increases in the first year but also subsequent years. There are many plans to choose from allowing you to continue to customize benefits. Consider not only the cost of premiums, but also the level of deductible each plan offers. Greater buying power also enables a large group to get access to more benefits and services. This includes group dental and vision plans. If you are a GHBA member, you will have to meet qualifications for group health insurance to be considered. All quotes will be released by The Stevenson Group. The Stevenson Group will be marketing these plans to all members of GHBA. The Stevenson Group will also assist with the group application, selection of plans, enrollment, and on-going customer service and administration. For additional information please contact the office of GHBA or The Stevenson Group. The Stevenson Group St. Mary s Lane, Suite 105 Houston, Texas Office:

3 All aspects of your employees lives contribute to a positive, healthy lifestyle and, ultimately, the productivity of your business. But in today s world, achieving this is tough. It s no secret that your employees are faced with life issues like high stress, obesity, chronic health conditions, caring for aging parents, and lack of time to enjoy life s ordinary events. This impacts their daily lives and can cause increased absenteeism, decreased productivity, and higher health costs for your business. Healthcare costs of obese workers are 21 percent higher than for non-obese workers.* * PwC_2011_Health_and_Wellbeing_Touchstone_ Survey_Results.pdf Humana is here to help. Our vision is to inspire people to take steps, small or large, that improve their daily lives at home and work. And then link them to resources that integrate into their everyday routines, including: HumanaVitality, a groundbreaking wellness rewards program Biometric screenings at Concentra locations and network clinics Health assessments, so employees know some of their potential health risks Employee Assistance Program (EAP) EAP/Work-Life programs and health coaching to help employees manage things like stress, family concerns, weight issues, and more Prescription, dental, vision, and voluntary benefits Together, we can help your business reach new levels of health and productivity and give you the competitive edge you need to retain top talent.

4 Business owners want an easier way to choose benefits. We re actually doing something about it. We know you re hard at work administering employee benefits. We re working just as hard to make it a little easier for you to choose benefits that you and your organization can feel good about. Let us show you how. Consider a well-being solution as unique as your company that focuses on employee productivity Humana Total Health. This multi-year, all-in-one solution provides a dedicated Humana Total Health consultant to be your well-being champion. This consultant works with you to develop, implement, and execute strategies that help your employees get on a path to healthier, more productive lives. You may also want to take a look at our newest medical plan Humana Simplicity. When employees use in-network services, they pay a copayment with no deductible. The plan has a list of costs, so your employees know exact charges ahead of time. Or you can select from a variety of other medical plan designs with network options. And if you choose an HDHP, you can pair it with a Health Savings Account (HSA) to save even more. Medical plans with extras you can t get anywhere else HumanaVitality. A fun, interactive wellness rewards program for employees. Urgent care. Employees can save when they use Concentra medical centers and network clinics for urgent care needs and services. Lifestyle discount program. Employees get discounts on services like acupuncture therapy, teeth whitening, and identity theft protection services. Employee Assistance Program (EAP). Confidential, professional assistance for concerns like financial, legal, childcare, aging parents, and other life issues. Health coaching. One-on-one support to help employees stop smoking, eat healthier, lose weight, manage pain, and more. Pharmacy. A choice of plan designs with flexible options to reduce pharmacy expenses and lower overall medical costs. HumanaVitality has helped our company save money and pay more attention to the general health of the team and individuals. Liz Sponseller, Abatek

5 Discounts you can count on. No wonder businesses trust Humana. Your business could benefit from a multiline discount when you add one or more of these products to a Humana medical plan.* Dental. Our dental PPO network includes more than 180,000 dentist locations, with average in-network discounts of 28 percent. Plus, you can customize your copayment, deductible, and out-of-pocket maximum. Products and services are not available in all states. * Specific terms and conditions apply. A maximum of 8 percent discount on medical or dental premiums. Vision. Our vision network includes more than 40,000 participating independent practitioners and retailers, such as LensCrafters and Pearle Vision. Plus, you ll get significant savings with any in-network provider. Voluntary benefits. Coverage includes Accident, Critical Illness/Cancer, and Supplemental Health. Humana was recognized as the fastest growing voluntary benefits company by Eastbridge Consulting Group. Eastbridge Consulting Group, 2011 U.S. Worksite/Voluntary Sales Report, Large Carrier category.

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8 Group Health Benefits Wellness Urgent Care Pharmacy Dental Vision Voluntary Benefits Humana.com HumanaVitality is not an insurance product. Humana Medical Plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # , Humana Wisconsin Health Organization Insurance Corporation, or Humana Health Plan of Texas, Inc. - A Health Maintenance Organization, or insured by Humana Health Insurance Company of Florida, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company, Humana Insurance Company of Kentucky, Emphesys Insurance Company, or Humana Insurance of Puerto Rico, Inc. License # , or administered by Humana Insurance Company or Humana Health Plan, Inc. Statements in languages other than English contained in the advertisement do not necessarily reflect the exact contents of the policy written in English, because of possible linguistic differences. In the event of a dispute, the policy as written in English is considered the controlling authority. For Arizona Residents: Offered by Humana Health Plan, Inc. or insured by Emphesys Insurance Company or insured or administered by Humana Insurance Company. Please refer to your Benefit Plan Document (Certificate of Coverage/Insurance or Summary Plan Description) for more information on the company providing your benefits. Our health benefit plans have limitations and exclusions. Humana specialty products are insured or offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of Kentucky, Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., The Dental Concern, Ltd., CompBenefits Insurance Company, CompBenefits Company, CompBenefits Dental, Inc., CompBenefits of Alabama, Inc., Humana Medical Plan of Utah, CompBenefits of Georgia, Inc., American Dental Providers of Arkansas Inc., American Dental Plan of North Carolina, Inc., CompBenefits Direct, Inc., DentiCare, Inc. (d/b/a CompBenefits), Texas Dental Plans, Inc., or Kanawha Insurance Company. TXHHRV5EN 1113