1. Gulfstream Goodwill 2015
Benefits Overview

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

3. 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.

4. 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!

5. 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

6. 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 $
Employee/Spouse
$306.09
Employee/Child(ren)
$260.00
Employee/Family
$557.04

7. 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

8. 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

9. 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

10. 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

11. 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, % AFTER MAX REACHED
Dependant Child/Student Age
UP TO AGE 26

12. 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

13. 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

14. PARTICIPATING PHARMACIES
Mail Order:
Right Source

15. 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

16. 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

17. 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

27. 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.

28. 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

29. Voluntary life Insurance RATES
Semi-Monthly Deductions

30. 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

31. 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

32. 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

33. 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

34. 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

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

36. Contact your Human Resources Representative for more information:
Staci Hooper-Powell
Director of Human Resources
(P)
(E)