Gulfstream Goodwill 2015 Benefits Overview

What is Open Enrollment? Medical, Dental & Vision Discount Programs Covered topics: What is Open Enrollment? Medical, Dental & Vision Discount Programs Life & Disability Education

Annual opportunity to: Add or Change coverage Add or delete dependents OPEN ENROLLMENT Annual opportunity to: Add or Change coverage Add or delete dependents Select Pre-tax deductions *Open Enrollment is usually held October of each year for changes effective January 1st of the following year.

Must notify Human Resources within 30 days of qualifying event! Qualified Family Status Changes QUALIFIED FAMILY STATUS CHANGES Marriage Divorce Legal Separation Birth of Child Change in employment status Dependent ceasing to be eligible Death Must notify Human Resources within 30 days of qualifying event!

Health insurance – HMO 14 70% (Medical_2) Company/Plan HUMANA OA HMO 14 70% Physician $40 CO-PAY Specialist $55 CO-PAY Adult & Child Wellness Adult Wellness Max COVERED 100% NO MAX Mammograms COVERED 100% Emergency Room - Waived if Admitted $250 CO-PAY Urgent Care $100 CO-PAY Independent Clinical Lab DED THEN 100% Diagnostic Testing / MRI, CAT Scans DED & 70% Outpatient Surgery - Ambulatory Surgical Center Provider Services Ambulatory Surgery Center (ASC) Outpatient Surgery – Hospital Inpatient Hospital Provider Services Hospital & ER Home Health DED & 70% 60 VISITS Outpatient Therapy $55 CO-PAY 60 VISITS Deductible $5000/$10000 Included in Out of Pocket Max YES Co-Insurance 70% Maximum Out of Pocket $6250/$12500 Out of Pocket Includes DED, CO-PAY, CO-INS & RX Prescription $15/35/55/25% Lifetime Maximum UNLIMITED

HUMANA HMO $5,000 DEDUCTIBLE Semi-Monthly Payroll Deduction Health insurance – HMO 14 70% (Medical_2) HUMANA HMO $5,000 DEDUCTIBLE Semi-Monthly Payroll Deduction Employee $ 50.02 Employee/Spouse $306.09 Employee/Child(ren) $260.00 Employee/Family $557.04

Health insurance – HMO 14 90 (Medical_1) Company/Plan HUMANA HMO 14 90% Physician $25 CO-PAY Specialist $40 CO-PAY Adult & Child Wellness Adult Wellness Max COVERED 100% NO MAX Mammograms COVERED 100% Emergency Room - Waived if Admitted $150 CO-PAY Urgent Care $75 CO-PAY Independent Clinical Lab DED THEN 100% Diagnostic Testing / MRI, CAT Scans DED & 90% Outpatient Surgery - Ambulatory Surgical Center Provider Services Ambulatory Surgery Center (ASC) Outpatient Surgery – Hospital Inpatient Hospital Provider Services Hospital & ER Home Health DED & 90% 60 VISITS Outpatient Therapy $40 CO-PAY 60 VISITS Deductible $2000/$4000 Included in Out of Pocket Max YES Co-Insurance 90% Maximum Out of Pocket $6250/$12500 Out of Pocket Includes DED, CO-PAY, CO-INS & RX Prescription $15/35/55/25% Lifetime Maximum UNLIMITED

HUMANA HMO $2,000 DEDUCTIBLE Semi-Monthly Payroll Deduction PAYROLL DEDUCTIONS – hmo 14 90% (medical_1) HUMANA HMO $2,000 DEDUCTIBLE Semi-Monthly Payroll Deduction Employee $90.54 Employee/Spouse $387.13 Employee/Child(ren) $333.74 Employee/Family $677.78

DENTAL – DMO HUMANA HS195 Deductible NONE Co-Insurance 100% Dentist COVERED 100% Specialist CO-PAY APPLIES Cleanings 1 EVERY 6 MONTHS Preventive Network Non Network MOST PROCEDURES COVERED 100% SOME PROCEDURES HAVE CO-PAYS Basic Coverage Network Non Network SOME PROCEDURES COVERED 100% MOST PROCEDURES HAVE CO-PAYS Major Coverage Orthodontic Coverage Orthodontic Maximum (Age Limits) Annual Maximum Dependant Child/Student Age UP TO AGE 26

Semi-Monthly Payroll Deduction Dental payroll deductions – dmo hs195 Dental Plan HUMANA DMO Tier Semi-Monthly Payroll Deduction Employee $7.63 Employee + Spouse $15.25 Employee + Child(ren) $17.16 Family $27.61

DENTAL - ppo HUMANA PPO 09 Deductible IN: $25/$75 OUT: $50/$150 Co-Insurance IN: 100/90/60 OUT: 100/80/50 Dentist DED & CO-INS Specialist Cleanings 1 EVERY 6 MONTHS Preventive Network Non Network IN/OUT: DED WAIVED, COVERED 100% Basic Coverage Network Non Network IN: DED & 90% OUT: DED & 80% Major Coverage IN: DED & 60% OUT: DED & 50% Periodontics & Endodontic Coverage MAJOR Orthodontic Coverage Orthodontic Maximum (Age Limits) 50% CHILD(REN) UP TO 18 $1000 LIFETIME MAX Annual Maximum $1,500 + 30% AFTER MAX REACHED Dependant Child/Student Age UP TO AGE 26

Semi-Monthly Payroll Deduction Dental payroll deductions – PPO 09 Dental Plan HUMANA PPO 09 Tier Semi-Monthly Payroll Deduction Employee $17.48 Employee + Spouse $34.96 Employee + Child(ren) $38.46 Family $57.69

Semi-Monthly Payroll Deduction Vision care METLIFE **$10 CO-PAY (EVERY 12 MONTHS) **$20 CO-PAY Lenses: (EVERY 12 MONTHS) Frames: (EVERY 24 MONTHS) NETWORK DOCTOR NON-NETWORK DOCTOR REIMBURSEMENT PAID IN FULL AFTER CO-PAY UP TO $45 ALLOWANCE UP TO $30 SINGLE $50 BIFOCAL $65 TRIFOCAL $100 LENTICULAR UP TO $210 ALLOWANCE UP TO $150 ALLOWANCE UP TO $105 ALLOWANCE UP TO $70 ALLOWANCE Payroll deductions Semi-Monthly Payroll Deduction Employee Only $3.26 Employee Plus Spouse $6.52 Employee Plus Child(ren) $5.52 Employee Plus Family $9.11

PARTICIPATING PHARMACIES Mail Order: Right Source 1-800-379-0092

URGENCY EMERGENCY VS WHERE TO GO…AND WHEN Hospital Emergency Room Urgent Care Sometimes, you may need care fast. But, your Primary Care Physician may be unavailable. You may want to try an urgent care center. They can treat many minor ailments. Chances are you won’t have to wait as long as at the ER. You may pay less, too. An Urgent Care Center can help with: • Sprains • Strains • Minor broken bones (example: finger) • Minor infections • Small cuts • Sore throats • Rashes Colds Flu   Hospital Emergency Room You may be tempted to go to the emergency room (ER). But, this may not be the best choice. At the ER, true emergencies are treated first. Other cases must wait—sometimes for hours. And, it may cost you more.   Go to the ER for: • Heavy bleeding • Large open wounds • Sudden change in vision • Chest pain • Sudden weakness or trouble talking • Major burns • Spinal injuries • Severe head injury • Difficulty breathing • Major broken bones

Hospitals Free Standing Facilities EDUCATION VS Hospitals Free Standing Facilities Advantages of using a freestanding facility: No long wait for an appointment No wait, or only a short wait, on the day of your appointment Lower copayment or coinsurance than you'd pay at a hospital-based facility Diagnostic imaging can be expensive. With many health plans, you could save on out-of-pocket costs by having the study done at a freestanding facility. In addition to standard X-rays, diagnostic imaging studies include: Computed tomography (CT) scan, also called CAT scan Magnetic resonance imaging (MRI) Magnetic resonance angiography (MRA) Bone mineral density (BMD) or bone density scan Ultrasound scanning, also called sonography Nuclear medicine studies Fluoroscopy studies

Brand Name Generic Drug EDUCATION VS Brand Name Generic Drug What can you do? Ask the doctor or pharmacist if an FDA-approved generic equivalent is available. Top Usage: Heart Disease Diabetes Cholesterol Depression $4 Prescription

1 X ANNUAL INCOME EMPLOYER PAYS LIFE INSURANCE & AD&D $200,000 Max. Employer paid life EMPLOYER PAYS 1 X ANNUAL INCOME LIFE INSURANCE & AD&D $200,000 Max.

BENEFIT SUMMARY Voluntary life insurance GUARANTEED ISSUE Coverage is available in $25,000, $50,000, $75,000 & $100,000 increments up to 5 X’s annual salary Minimum Coverage: $25,000 Maximum Coverage: $125,000 Employees age 70 and older, maximum benefit is $50,000 GUARANTEED ISSUE Up to $125,000 for Employees under age 70 Employees ages 70-74, reduce 40% or $50,000 Age 75, reduce to 25% or $31,250 Spouse up to $10,000 Note: It is recommended that the designated beneficiary be Age 18 or older

Voluntary life Insurance RATES Semi-Monthly Deductions

BENEFIT SUMMARY Short-term disability (std) Elimination period (When Benefits Are Payable) 15TH Day of Injury 15TH Day of Illness 11 Week Maximum 60% of Income ($1,000 Weekly Maximum) Premium is 100% paid by the employee post-tax (after-taxes) benefits are tax-free. Pre-Existing Conditions – 3/12 Look back

BENEFIT SUMMARY Long-term disability (ltd) LTD is designed to assist the employee during a prolonged period of absence due to an illness or injury after 90 days of disability Maximum Monthly Benefit Amount: 60% of the employee’s monthly salary up to $6,000 Maximum Benefit Period: To 65 years of age or when eligible for social security retirement

Long-term disability (ltd) BENEFIT SUMMARY Elimination Period: 90 Days The Premium is paid 100% by the Employee Post-Tax (After Tax Deduction) Benefits are Tax-Free Benefits are paid out Monthly Pre-Existing Conditions – 3/12 Look back

WORLD WIDE THROUGH LINCOLN FINANCIAL Travel assistance WORLD WIDE THROUGH LINCOLN FINANCIAL Travel Assistance includes: Medical Evacuation and Repatriation Lost Luggage Service Replacement Assistance for Lost or Stolen Travel Documentation Legal services and Translation Services

EMPLOYEE CONNECT Employee assistance program - eap Employee Connect is available 24 hours a day, seven days a week with support, guidance and resources. Features: Counseling Sessions 24 x 7 x 365 Telephone and Web Access Confidentiality Family Workplace Stress Emotional Well-Being Grief & Loss Mental Health Addiction

WORLDWIDE TRAVEL ASSISTANCE AND IDENTY THEFT PROTECTION FOR YOU AND YOUR FAMILY

Contact your Human Resources Representative for more information: Staci Hooper-Powell Director of Human Resources (P) 561-848-7200 (E) hpowell@gulfstreamgoodwill.com