2015-2016 Enrollment GuideSupplemental Health Insurance Options

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Homeland HealthCare

1 Welcome Letter

3 Supplemental Health Insurance Options

Aflac Hospital Indemnity 4

Aflac Critical Illness 6

Aflac Accident 8

Aflac Disability 10

13 Health Wise

Teladoc 14

Kare360 15

Care Rx 16

Outlook Vision 17

19 Limitations & Exclusions

Table of Contents

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Homeland HealthCare

Welcome to 2015 – 2016 Supplemental Benefits Open EnrollmentHomeland HealthCare, Inc. is pleased to partner with Marsh to offer supplemental health insurance benefits to you. We understand that having access to health insurance for you and your loved ones is important and provides peace of mind that you are covered in the event that the unexpected happens.

During Open Enrollment you will be able to enroll in two types of health insurance benefits:

• Supplemental insurance plans such as hospital indemnity, critical illness and accident insurance

• Affordable Care Act (ACA) qualified major medical plans

This Enrollment Guide provides detailed information about the supplemental health insurance options available to you and your eligible dependents. Reviewing the material contained in this guide will help you make the best possible decisions about your healthcare benefit selection. You can also view a copy of the Enrollment Guide online at www.marshdriverbenefits.com.

The Enrollment Guide does not contain information about the ACA major medical plans that will be available in November. You can review information on ACA qualified major medical plans prior to November by going to www.marshdriverbenefits.com. We will notify you via email when this information is available on the website.

Important Information About How To EnrollOpen Enrollment will be divided into two phases. In Phase One, we will focus on enrollment for supplemental health benefits. To enroll, call (844) 275-2721 to speak with an Enrollment Specialist. They can help answer any questions and enroll you in your selected health insurance plans.

During Phase Two, you can enroll in an ACA qualified major medical plan. During this time, you can review information about available ACA qualified major medical plans via the website.

Homeland HealthCare, Inc. and Marsh hope you will be pleased with the variety of supplemental health insurance plans available to you and your family. We look forward to being of service to you.

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Supplemental HealthInsurance Options

Hospital Indemnity

Critical Illness

Accident

Disability

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. AGC08921 IV (6/15)

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Hospital Indemnity

Hospital Indemnity (Issue Ages 18-64)

Coverage Type Weekly Rates

Contractor $10.02

Contractor & Spouse † $19.90

Contractor & Dependent Children $15.18

Family $25.06

† Domestic partners accepted in recognized states.

Features• Guaranteed-Issue – No Health Questions or Exam!• The plan pays regardless of any other insurance programs.• Out-Of-Hospital Prescription Drug Benefit is included.• Well Baby Care Benefit is included.• Surgery and Anesthesia Benefit is included.• The plan is portable (with certain stipulations).

Why Hospital Indemnity Insurance is ImportantNo matter how good your major medical insurance is, when you’re hospitalized for an injury or illness there will probably be medical expenses and out-of-pocket costs that aren’t covered. Without a financial plan in place, you could have difficulty paying for high out-of-pocket costs resulting from an accident or illness such as mortgage, rent or car payments, transportation, groceries and child care.

A hospital indemnity insurance plan from Aflac provides cash benefits paid to you (unless otherwise assigned) to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you may have.

How It Works

$50Hospital Emergency

Room/Physician Benefit

$500Hospital Admission

Benefit

$400Hospital Confinement Benefit ($200 per day)

$950+ + =

The insured has a high fever and goes to the emergency

room.

The physician admits the insured into the hospital.

The insured is released after

two days.

The Aflac group Hospital Indemnity

Plan pays the insured.

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

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Hospital Indemnity BenefitsHospital Confinement (per day)

Pays amount shown when an insured is confined within 6 months as a resident bed patient as the result of injuries received in a covered accident or because of a covered sickness; benefit is payable for only one hospital confinement at a time; maximum 180 days per year.

$200

Hospital Admission (per confinement)

This benefit is payable in the amount shown when an insured is admitted to the hospital and confined as a resident bed patient within 6 months because of injuries received in a covered accident or because of a covered sickness.Residents of Massachusetts are not eligible for Hospital Admission Benefit amounts in excess of $500.

$500

Hospital Intensive Care (per day)

Benefit will pay the daily amount for each day of confinement to a hospital intensive care unit, not to exceed the 30-day maximum during any one period of confinement. If the member is confined to hospital intensive care unit again within 6 months because of the same or related condition, it will be treated as the same period of confinement. This is paid in addition to the hospital confinement benefit.

$200

Surgical Benefit (per procedure)

The benefit is payable for a surgical procedure as listed in the Schedule of Operations. If an operation is not listed in the Schedule of Operations, the benefit will pay an amount comparable to that which would be payable for the operation listed in the Schedule of Operations (the operation that is nearest in severity and complexity). If two or more surgical procedures are performed at the same time through the same or different incisions, only one benefit, the largest, will be provided.

Up to $2,000

Anesthesia Benefit (per procedure)

When an insured receives benefits for a surgical procedure covered under the Surgical Benefit, the plan pays the appropriate benefit amount shown in the Schedule of Operations for anesthesia administered by a physician in connection with such procedure. However, the Anesthesia Benefit paid will not exceed 25 percent of the amount paid under Surgical Benefit.

Up to $500

Hospital Emergency Room/Physician Benefit (per visit)

Pays amount shown if an insured has treatment as the result of a covered sickness for Physician’s charges ($25), laboratory fees ($25), x-rays ($50) and injections/medications ($25). Limited to the calendar year maximum of $250 per insured or $1,000 per family. Not to exceed a maximum of $50 per visit.

$50

Well Baby Care (per visit)

Pays amount shown when insured baby 12 months of age or younger with no more than 4 visits per calendar year.This benefit is available only with Contractor and dependent children and family coverages.

$25

Out-of-Hospital Prescription Drug Benefit (per prescription)

Benefit will be paid for each prescription filled for an insured. A prescription drug must (1) be ordered by a doctor; (2) be dispensed by a licensed pharmacist; and (3) be medically necessary for the care and treatment of the patient. No more than 5 prescriptions per calendar year per insured.This benefit does not include benefits for:

• Therapeutic devices or applications;• Experimental drugs;• Drugs, medicines or insulin used by or administered to an insured while they are confined to a hospital,

rest home, extended care facility, convalescent home, nursing home or similar institution;• Immunization agents, biological sera, blood or blood plasma; or• Contraceptive materials, devices, or medications or infertility medication, except where required by law.

$10

Hospital Indemnity (Continued)

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

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Weekly Premium (Issue Ages 18-69)Uni-Tobacco - Contractor

Issue Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $0.91 $1.42 $1.92 $2.43 $2.94 $3.45 $3.95 $4.46 $4.97 $5.48

30-39 $1.35 $2.29 $3.24 $4.18 $5.13 $6.08 $7.02 $7.97 $8.92 $9.86

40-49 $2.48 $4.55 $6.63 $8.71 $10.78 $12.86 $14.94 $17.02 $19.09 $21.17

50-59 $4.29 $8.18 $12.07 $15.95 $19.84 $23.73 $27.62 $31.51 $35.40 $39.28

60-69 $7.61 $14.82 $22.03 $29.25 $36.46 $43.67 $50.88 $58.09 $65.30 $72.52

Uni-Tobacco - Spouse †

Issue Age $5,000 $7,500 $10,000 $12,500 $15,000 $17,500 $20,000 $22,500 $25,000

18-29 $0.91 $1.16 $1.42 $1.67 $1.92 $2.18 $2.43 $2.68 $2.94

30-39 $1.35 $1.82 $2.29 $2.77 $3.24 $3.71 $4.18 $4.66 $5.13

40-49 $2.48 $3.52 $4.55 $5.59 $6.63 $7.67 $8.71 $9.75 $10.78

50-59 $4.29 $6.23 $8.18 $10.12 $12.07 $14.01 $15.95 $17.90 $19.84

60-69 $7.61 $11.22 $14.82 $18.43 $22.03 25.64 $29.25 $32.85 $36.46

With heart attacks affecting more than 900,000 people each year and strokes affecting about 795,000 people each year,* Aflac’s Critical Illness Insurance plan can help with the treatment costs of these illnesses and health events. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical and personal bills.

Why Aflac Critical Illness Insurance may be the right choice for you:• Guaranteed-issue coverage for you and your spouse.• Lump sum benefits are paid directly to you (unless otherwise assigned) following the diagnosis of each covered Critical Illness.• Benefit amounts available for $5,000 up to $50,000 for the Contractors and up to $25,000 for the Contractor’s spouse, not to exceed

one half of the Contractor’s amount.• Each Dependent Child is covered at 50% of the primary insured amount at no additional charge.• Annual Health Screening Benefits included.• No deductibles, copayments, or network restrictions—you choose your own medical treatment provider.

* Heart Disease and Stroke Statistics, 2012 Update, American Heart Association.† Domestic partners accepted in recognized states.

Critical Illness

How It Works

You enroll in $10,000 benefit Critical Illness

Insurance.

You experiencechest pains and

numbness in the left arm.

You visit the ER. A physician

determines that you have suffered

a heart attack

Aflac group Critical Illness pays a First Occurrence

Benefit of

$10,000

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

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BenefitsPrimary Insured $5,000 to $50,000

Spouse - Available for purchase 1 $5,000 - $25,000 (not to exceed one half of the contractor’s amount)

Dependent Child(ren) - No Additional Charge 2 50% of the primary insured’s benefit amount

First Occurrence Benefit (30 Day Waiting Period)

Illnesses Covered Under Plan Percentage of Face Amount

Cancer (Internal or Invasive) 100%

Heart Attack (Myocardial Infarction) 100%

Major Organ Transplant 100%

End-Stage Renal Failure 100%

Stroke (Apoplexy or Cerebral Vascular Accident) 100%

Carcinoma In Situ 3 25%

Coronary Artery Bypass Surgery 3 25%

Additional Occurrence Benefit

If an Insured collects full benefits for a Critical Illness under the plan and later has one of the remaining covered illnesses, then we will pay the full benefit amount for any additional illness. The two dates of diagnosis must be separated by at least 6 months and not caused by or contributed to by a Critical Illness for which benefits have been paid.

Re-occurrence Benefit

If an Insured receives full benefit for a covered condition and is later diagnosed with the same condition, we will pay the full benefit again. Oc-currences must be separated by at least 12 months or at least 12 months Treatment Free for Cancer. Cancer that has spread (metastasized) even though there is a new tumor will not be considered an additional occurrence unless the Insured has been Treatment Free for at least 12 months.

Health Screening Benefit- $50

An Insured may receive a maximum of $50 for any one covered screening test per calendar year following a 30 Day Waiting Period. We will pay this benefit regardless of the results of the test. Payment of this benefit will not reduce the amount payable for the diagnosis of a critical illness. There is no limit to the number of years the Insured can receive the health screening benefit; it will be paid as long as the policy remains in force. This benefit is payable for the covered contractor and spouse. This benefit is not paid for Dependent Children. The covered health screening tests include but are not limited to:

• Stress test on a bicycle or treadmill• Fasting blood glucose test, blood test for triglycerides or

serum cholesterol test to determine level of HDL and LDL• Bone marrow testing• Breast ultrasound• CA 15-3 (blood test for breast Cancer)• CA 125 (blood test for ovarian Cancer)• CEA (blood test for colon Cancer)• Chest x-ray

• Colonoscopy• Flexible sigmoidoscopy• Hemocult stool analysis• Mammography• Pap smear• PSA (blood test for prostate Cancer)• Serum protein electrophoresis (blood test for myeloma)• Thermograph

1 The contractor may elect to purchase spouse coverage. In order to apply for spouse coverage, the contractor must also apply. The spouse amount may not exceed 50% of the contractor amount, subject to the minimum face amount of $5,000. If the contractor does not meet the underwriting requirements necessary to participate in the plan, the spouse can still obtain coverage. The spouse would then become the primary Insured and is limited to face amounts between $5,000 and $25,000.

2 Children-only coverage is not available.3 Payment of the partial benefit for Carcinoma in Situ will reduce by 25% the benefit for internal Cancer. Payment of the partial benefit for Coronary

Artery Bypass Surgery will reduce by 25% the benefit for a Heart Attack.

Critical Illness (Continued)

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

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The Importance of Accident InsuranceWhat would the financial impact of an injury mean to you? Are you prepared for high medical costs in addition to everyday household expenditures and lost wages? Out-of-pocket expenses associated with an accident are unexpected, but an accident’s impact on your finances and your well-being certainly can be reduced.

It’s Insurance for Daily LivingAfter an accident, you may have expenses you’ve never considered. Can your finances handle them? In addition, your regular bills, such as the mortgage or rent, car payments and utility bills don’t stop when you’re recuperating from an accident. It’s reassuring to know that an accident insurance plan can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow-up treatments or physical therapy.

Would your family be financially prepared in the event of an accidental death or dismemberment?Accidental death and dismemberment insurance pays you or your beneficiaries a set amount of money if your death or dismemberment is the direct result of an accident. To receive benefits related to an accident, your injuries or death must occur within 90 days of the accident date.

Features• Coverage is 24-hour, on- and off-the-job.• Benefits are payable regardless of any other insurance programs.• Coverage is guaranteed-issue, provided the applicant is eligible for coverage.• No limit on the number of claims an insured can file.• Benefits are available for spouse and/or dependent children.• Accidental Death & Dismemberment benefits included.

Accident Advantage Plus

Accident + Insurance - 24 Hour Plan

Coverage Type Weekly Rates

Contractor $4.36

Contractor & Spouse † $6.44

Contractor & Dependent Children $7.67

Family $9.75† Domestic partners accepted in recognized states.

How It Works

$200Ambulance

$200Emergency

Room Treatment

$2,400Closed-Reduction

Leg Fracture

$100Appliance

$30one Follow-Up

Treatment

$2,930+ + + =

You injure your legin a coveredaccident and

go to the hospitalvia ambulance.

The emergency room doctor

diagnoses a fracture and treats you.

You leave the hospital oncrutches.

The Aflac group Accident Advantage Plus Plan pays you.

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

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Contractor and Spouse must be at least 18 years of age, while dependent child need to be under the age of 26.

Accident Benefits per Covered Accident *Fracture (diagnosis and treatment within 90 days)

Closed & Open Reduction Benefits $320 - $4,000

Dislocations (diagnosis and treatment within 90 days)

Closed & Open Reduction Benefits $240 - $3,000

Lacerations (treatment and repair within 72 hours)

Amount paid based on length of laceration $25 - $400

Injuries Requiring Surgery

Eye Injuries, Tendons/Ligaments, Ruptured Disc, Torn Knee Cartilage $50 - $600

Burns (treatment within 72 hours; first degree burns not covered)

Second Degree $100 - $1,000

Third Degree $1,000 - $20,000

Medical Fees (for X-rays or doctors services per accident within 72 hours after the covered accident)

Contractor or Spouse $125

Child(ren) $75

Accident Follow-Up Treatment

Up to six treatments per covered accident $30

Physical Therapy

Up to six treatments (one per day) per covered accident $30

Emergency Room Benefits

Emergency Room Treatment (treatment in a hospital emergency room within 72 hours after the accident.) $200

Emergency Room Observation (held in a hospital for observation for at least 24 hours, and receive initial treatment within 72 hours after the accident)

$100

Hospital / Rehabilitation Benefits

Hospital Admission (one per Calendar Year) $1,000

Hospital Confinement (Per Day) $200

Hospital Intensive Care (Per Day) $400

Rehabilitation Unit Benefit (Per Day) $75

Emergency Dental Work (injury to sound, natural teeth) $50 - $150

Accidental Death & Dismemberment (within 90 days of accident date)Contractor Spouse Children

Accidental Death $50,000 $25,000 $5,000

Accidental Common Carrier Death $100,000 $50,000 $15,000

Single Dismemberment $12,500 $5,000 $2,500

Double Dismemberment $25,000 $10,000 $5,000

Loss of One or More Fingers or Toes $1,250 $500 $250

Partial Amputation of Finger(s) or Toe(s) (including at least one joint) $100 $100 $100

*To review the full detailed summary of benefits, go to www.marshdriverbenefits.com

Accident Advantage Plus (Continued)

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

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What is Short Term Disability Insurance?Short Term Disability is an income replacement plan that pays a percentage of your income if you become temporarily disabled, meaning that you are not able to work for a short period of time due to a covered injury or sickness. The insurance plan provides a payment for monthly disability benefit when a covered Contractor is disabled and unable to work due to a covered injury or sickness.

Why Do You Need Disability Advantage Insurance?The Aflac Disability Advantage insurance is like insurance for your paycheck. The plan insures a portion of your monthly salary in the event you become disabled or are unable to work due to a covered injury or sickness. Benefit payments begin after any applicable elimination period is satisfied and continue during disability, up to the disability benefit period.

Disability BenefitThe Disability Advantage plan includes a Total Disability Benefit (pays the monthly benefit when a covered Contractor is totally disabled and unable to work due to sickness or injury) and Partial Disability Benefit (pays 50% of the monthly benefit when a covered Contractor is partially disabled and returns to work earning less than 80% of base income due to sickness or injury). Benefits begin following the expiration of an applicable elimination period.To review the full detailed summary of benefits, go to www.marshdriverbenefits.com.

Issue Ages: Contractor 18-74

Eligibility: Minimum of $3,000 earnings in last 3 months and active Independent Contractor Agreement is required.

Elimination Period:Accident Elimination Period: 7 DaysSickness Elimination Period: 7 days

Waiting Period/Pre-Existing Conditions: There will be a 12 month waiting for a Disability caused by a Pre-Existing Condition and will not be covered unless it begins more than 12 months after the Effective Date of coverage.

Benefit Duration:Maximum Benefit Period: 6 Months

Guaranteed-Issue Amount: The Guaranteed-Issue Amount is $1,500

Features• Guaranteed-Issue – No health questions or Medical Exam• Coverage is Nonoccupational, which means the plan covers disability due to off-the-job injuries and sicknesses• Partial Disability Benefit allowing for a transition period before returning to full-time employment• Minimum monthly benefit $300 up to maximum monthly benefit of $3,000• Premium payments are waived after 90 days of total disability• Maximum income replacement is 50% of the Contractor’s salary. Some states limit maximum income replacement

to 40% of the Contractor’s salary (this is called State Disability maximum income replacement). Refer to page 12 for a listing of those states.

Disability Advantage

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

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Disability Advantage (Continued)

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

The chart below reflects Disability rates for residents of all states EXCEPT CA, HI, NJ, NY, PR, and RI. Residents of CA, HI, NJ, NY, PR and RI should go to page 12 to review the rates applicable for your states.

AnnualSalary Range

MonthlyBenefit

Weekly RatesAge 18-49 Age 50-64 Age 65-74

$9,000 to $11,999 $400 $3.78 $3.94 $4.92$12,000 to $14,399 $500 $4.72 $4.93 $6.15$14,400 to $16,799 $600 $5.66 $5.91 $7.38$16,800 to $19,199 $700 $6.61 $6.90 $8.61$19,200 to $21,599 $800 $7.55 $7.88 $9.84$21,600 to $23,999 $900 $8.49 $8.87 $11.07$24,000 to $26,399 $1,000 $9.44 $9.85 $12.30$26,400 to $28,799 $1,100 $10.38 $10.84 $13.53$28,800 to $31,199 $1,200 $11.33 $11.82 $14.76$31,200 to $33,599 $1,300 $12.27 $12.81 $15.99$33,600 to $35,999 $1,400 $13.21 $13.80 $17.22$36,000 to $38,399 $1,500 $14.16 $14.78 $18.45$38,400 to $40,799 $1,600 $15.10 $15.77 $19.68$40,800 to $43,199 $1,700 $16.05 $16.75 $20.91$43,200 to $45,599 $1,800 $16.99 $17.74 $22.14$45,600 to $47,999 $1,900 $17.93 $18.72 $23.37$48,000 to $50,399 $2,000 $18.88 $19.71 $24.60$50,400 to $52,799 $2,100 $19.82 $20.69 $25.83$52,800 to $55,199 $2,200 $20.76 $21.68 $27.06$55,200 to $57,599 $2,300 $21.71 $22.66 $28.29$57,600 to $59,999 $2,400 $22.65 $23.65 $29.52$60,000 to $62,399 $2,500 $23.60 $24.63 $30.75$62,400 to $64,799 $2,600 $24.54 $25.62 $31.98$64,800 to $67,199 $2,700 $25.48 $26.61 $33.21$67,200 to $69,599 $2,800 $26.43 $27.59 $34.44$69,600 to $71,999 $2,900 $27.37 $28.58 $35.67

$72,000 or more $3,000 $28.32 $29.56 $36.90

50% Income Replacement for Non-Occupational DisabilityRates valid for all states EXCEPT CA, HI, NJ, NY, PR, RI

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AnnualSalary Range

MonthlyBenefit

Weekly RatesAge 18-49 Age 50-64 Age 65-74

$9,000 to $11,999 $300 $2.83 $2.96 $3.69$12,000 to $14,999 $400 $3.78 $3.94 $4.92$15,000 to $17,999 $500 $4.72 $4.93 $6.15$18,000 to $20,999 $600 $5.66 $5.91 $7.38$21,000 to $23,999 $700 $6.61 $6.90 $8.61$24,000 to $26,999 $800 $7.55 $7.88 $9.84$27,000 to $29,999 $900 $8.49 $8.87 $11.07$30,000 to $32,999 $1,000 $9.44 $9.85 $12.30$33,000 to $35,999 $1,100 $10.38 $10.84 $13.53$36,000 to $38,999 $1,200 $11.33 $11.82 $14.76$39,000 to $41,999 $1,300 $12.27 $12.81 $15.99$42,000 to $44,999 $1,400 $13.21 $13.80 $17.22$45,000 to $47,999 $1,500 $14.16 $14.78 $18.45$48,000 to $50,999 $1,600 $15.10 $15.77 $19.68$51,000 to $53,999 $1,700 $16.05 $16.75 $20.91$54,000 to $56,999 $1,800 $16.99 $17.74 $22.14$57,000 to $59,999 $1,900 $17.93 $18.72 $23.37$60,000 to $62,999 $2,000 $18.88 $19.71 $24.60$63,000 to $65,999 $2,100 $19.82 $20.69 $25.83$66,000 to $68,999 $2,200 $20.76 $21.68 $27.06$69,000 to $71,999 $2,300 $21.71 $22.66 $28.29$72,000 to $74,999 $2,400 $22.65 $23.65 $29.52$75,000 to $77,999 $2,500 $23.60 $24.63 $30.75$78,000 to $80,999 $2,600 $24.54 $25.62 $31.98$81,000 to $83,999 $2,700 $25.48 $26.61 $33.21$84,000 to $86,999 $2,800 $26.43 $27.59 $34.44$87,000 to $89,999 $2,900 $27.37 $28.58 $35.67$90,000 to $92,999 $3,000 $28.32 $29.56 $36.90

40% Income Replacement for Non-Occupational Disability Rates valid for residents of CA, HI, NJ, NY, PR, RI

State Statutory Disability Insurance Benefits

Disability Advantage (Continued)

Benefits are paid when you are sick or hurt and unable to work, up to 50 percent of your salary (up to 40% in states with state disability†).

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to pages 19-24 for limitations and exclusions. The rates shown are the current rates and are subject to change.

† In states where disability income is received from the state, Aflac Group Disability is paid in addition to that disability income, and therefore at a lower percentage.

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Weekly Rate

INDIVIDUAL + FAMILY $2.19

Health Wise

Teladoc

Kare360

Care Rx

Outlook Vision

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Teladoc was founded in 2002 and is the first and largest telehealth provider in the nation. Teladoc’s board certified, U.S.-based doctors can resolve many medical issues, 24/7, 365 days a year, through the convenience of phone or video consults. Teladoc doesn’t replace your primary care physician, but is a convenient option for quality care when needed. Teladoc can be accessed from home, work, on vacation or while traveling in the U.S. or internationally. You can use Teladoc as often as needed and there is no limit on the number of your dependents that can use Teladoc services.

Advantages of Teladoc

Talk to a doctor anytime, anywhere

Receive quality care via phone or online video

Prompt treatment, average call back

in 17 minutes

A network of doctors that can treat children of

any age

Secure, personal and portable

electronic health record (EHR)

No time limiton consults

30 30

30 30 30 30

1 hourGuaranteed Response Time

91%Patient Issues Resolved

97%Member Satisfaction

30

30 30

Conditions Treated Prescription Management

• Sinus Problems• Urinary Tract Infection• Pink Eye • Bronchitis • Upper Respiratory Infection• Nasal Congestion• Allergies• Flu• Cough• Ear Infection

• Dermatology• Behavioral Health

• Electronic prescribing (SureScripts) or by phone, if needed

• Frequency of prescribing lower than same diagnoses when comparing best provider practices (about 80% vs. 83%)

• Use of antibiotics limited to short durations; patient education and physician reminders for appropriate use

• No prescribing of DEA-controlled substances, medication for psychiatric illness, or lifestyle drugs (i.e erectile dysfunction, diet, smoking-cessation)

• Generic drugs are automatically recommended

30 30

Making Access EasyTeladoc offers the latest in innovation with their mobile applications in Apple and Android platforms allowing you to set up, access and manage your account, as well as conduct video consults from your mobile device. Data and transaction security is a high priority for Teladoc. They employ leading edge technologies and safeguards to keep your data secure. At the end of every call, the doctor checks to make sure all questions are answered

Teladoc is not available in AR.

Teladoc®

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Kare360 provides comprehensive, expert services to its client companies and members. Kare360 members never face the healthcare world alone. Each member is provided an expert Advisor to help address healthcare needs and concerns. Kare360 helps lighten the load many are forced to bear as they navigate today’s complicated healthcare system.

Healthcare Navigation

Kare360 Advisors Will:• Find quality physicians, specialists and surgeons in your area who focus on your unique healthcare needs.• Find alternative care in areas like Chiropractic, Acupuncture, Homeopathic and Naturopathic.• Provide cost estimates for various outpatient procedures so you know what to expect.• Schedule primary care and specialist visits, labs, imaging, flu shots and more.• Organize the seamless transfer of your medical records between providers.• Help clarify health insurance benefits as well as help resolve issues and expedite solutions.• Help members with finding assisted living facilities, home health coordination, Medicare questions, VA

benefits, supplemental insurance and more.On-staff Chaplains are available to spend time with you on the phone, listening and providing support. Sustaining, guiding and healing, Chaplains help you find answers and direction. Advisors are available Monday thru Friday, 9:00 a.m. – 5:00 p.m. central time.

Medical Bill Negotiation

• A dedicated Patient Advocate will be assigned to work directly with your healthcare provider (doctor’s offices, hospitals, etc.) to help reduce your medical bills. All bills must be related to a single medical incident and out-of-pocket medical services must exceed $2,000.

• Kare360 Advisors can negotiate potential medical costs before a procedure. You provide a written estimate (medical bills must be estimated to exceed $2,000) and Advisors will pre-negotiate the potential medical bills easing stress and saving money.

• Kare360 has unparalleled results negotiating discounts. You can see up to 65% average savings with insurance and 85% average savings without insurance.

Surgery Cost Saver

As a Kare360 member, you have access to an experienced on-site Registered Nurse who researches up to five surgical facilities for non-emergency procedures in the your area with information regarding cost, quality, availability and physician privileges.With Surgery Cost Saver, members see an average maximum savings of $13,000. Advisors have found a 64% difference between the highest and lowest quoted surgery costs between facilities

Disclaimer: Kare360 is not insurance and does not provide funds to pay for bills. This is a best-efforts service. Despite Kare360’s diligent efforts on member’s behalf, some providers refuse to make accommodations to help resolve outstanding medical bills. Other limitations and exclusions may apply. Please contact Member Services for complete details.

Kare360

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• CVS/Pharmacy• Walgreens• Albertsons

• Walmart• Kroger• Tom Thumb

• Target• Winn Dixie • Rite Aid

Participating Pharmacies Include:

• Savings of up to 75% on prescription medications.• Accepted at over 56,000 pharmacies nationwide, including most major chains.• An open formulary so nearly all medications qualify for discounts. • Discounts on brand and generic medication.

• 39DollarGlasses.com - Choose from hundreds of different frame styles and lens types while saving money on prescription glasses.• ProSmileUSA.com – Dental grade whitening kits that are sent to members direct with savings of about 70% over the cost of a cosmetic

dentist office visit. • DiabeticSavingsPlan.com – Save up to 50% on discount diabetic supplies mailed directly to members, saving them time and money. • USHearingPlan.net – This discount hearing program is committed to providing hearing aids and supplies with savings as high as 50%.

Additional Savings and Discounts:

The Care Rx Card Features:

This program/card is a drug coupon. THIS IS NOT INSURANCE. This is not a Medicare prescription medication plan.

Your benefits include Care Rx – a Discount Prescription Card. The Rx program is designed to offer maximum discounts on your prescription medication needs.

Care Rx Card

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OUTLOOK Vision Services is a discount program that provides substantial savings off the regular retail price for eyewear at participating providers.

OUTLOOK Vision Services operates in all fifty (50) states as a discount network. The OUTLOOK provider network is comprised of well-known national and regional vision care centers, independent optometrists or opticians, small and large retail optical centers and “one-hour” type optical centers, one or more of which may be found in your community. Each approved provider is carefully selected through a stringent process to assure the program’s standard of quality is not compromised. All locations are licensed and trained in the use of the latest equipment and techniques and offer the highest quality products and services. All providers carry up-to-date top of the line inventories from leading manufacturers.

This vision program is NOT insurance. It is a discount program. You are responsible for the full cost of any health care services purchased. You will receive discounts for medical services at certain health care providers who have contracted with the program. Members have the right to cancel registration within a thirty-day period. This program does not make payments directly to health care providers. A list of all program providers with in the prospective cardholder’s service area which includes their name, city & state, and medical specialty is available prior to purchase, upon request. Discounts for hospital services are not available. This program is administered by Access One Consumer Health, your Discount Medical Plan Organization, 84 Villa Rd. Greenville, SC 29615 www.accessonedmpo.com. The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered.

Savings You Can See• Save 10% to 50% off the retail price of eyewear including: prescription glasses, contact lenses, non-prescription sunglasses,

and accessories. Minor eyewear adjustments included.• Conventional contact lenses are offered at 5% to 20% off the regular retail price when purchased at most approved

OUTLOOK optical centers. (Not all optical centers dispense contact lenses). Contact lenses are also available through OUTLOOK’s unique mail-order system.

• Savings off standard fees on vision correction (Laser/Lasik) surgery at selected locations, where approved.• Over 11,800 optical locations to choose from nationwide.• Special discounts on eye examinations at selected locations, where approved.• Membership includes your entire family.• No limit on selection - no limit on quantities.• 100% guaranteed satisfaction

As an OUTLOOK member, you may choose from our entire network of eye care professionals consisting of well-known optical retailers such as most: Cohen Fashion Optical, D.O.C. Optics, Dr. Tavel’s One Hour Optical, Eyemart Express, For Eyes Optical, General Vision Services, J.C. Penney Optical, LensCrafters, National Vision Centers located inside some Walmarts, Pearle Vision (Express), Sears Optical, Shopko Optical, Site For Sore Eyes, Sterling Optical, Texas State Optical, Vision Works, and Walmart Vision as well as independent optical centers in several areas. With thousands of OUTLOOK eye care centers nationwide, chances are there is one near you. Simply call OUTLOOK toll free (800)-342-7188 or visit www.outlookvision.com for the location nearest you.

Your ID card is all you need to use your OUTLOOK discount benefit. Simply take your current vision prescription to any OUTLOOK provider to purchase your new eyewear and pay the discounted amount directly to the provider at the time of purchase. A nominal dispensing fee may apply in certain areas.

Outlook Vision Services*

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As a member, YOU have elected to become a participant in a Discount Medical Plan (DMP) provided by AccessOne Consumer Health, Inc. Below are the terms and conditions of your Outlook Vision membership in the AccessOne discount medical plan. This agreement is between you and AccessOne.

This Membership Agreement is effective as of the date indicated on your Membership ID card and shall continue from month to month until you notify AccessOne or Homeland HealthCare of your cancellation. In addition, your employer must be notified any further payroll deductions.

DISCLOSURES:• This is not an insurance policy;• Discounts are provided at certain healthcare providers for healthcare services;• AccessOne does not make payments directly to the providers of healthcare services;• You are obligated to pay for all healthcare services but will receive a discount from healthcare providers who have contracted

with Accessone;• AccessOne is located at: 84 Villa Road, Greenville SC 29615 www.accessonedmpo.com

You may find a list of participating providers at: www.accessonedmpo.com or you may call Member Services at (800) 493-4240. You will be able to apply plan discounts to all participating providers of each participating network. This plan includes discounts for vision care items and services. The list and description of these services and the fees associated with each is included at www.WBIMembershipVP.com and which by reference becomes part of this Member Participation Agreement.

You will be billed at the time of service by the participating provider who will apply the applicable discounts to that bill. In no instance can AccessOne make payments directly to the provider on your behalf. Your participation in the plan will continue from month to month upon payment of your monthly dues and shall cease upon (i) your failure to make the monthly payment; or (ii) notification in writing (USPS, email or facsimile) of your desire to cancel to: 825 Market Street, Suite 300, Allen, TX 75013, Fax (214) 953-1101. In addition, your employer must be notified of any further payroll deductions.

You have the right to terminate participation in the program at any time. If you do so within 30 days of receipt of your membership materials you will receive a full refund of all fees and or dues paid to participate in this DMP.

This program includes all members of your household (you, your spouse and legal dependants). You are not required to list your dependants to participate in the plan.

If you have a complaint regarding the plan you may go to www.accessonedmpo.com or call 800-896-1962. You may also write to AccessOne Consumer Health, Inc. 84 Villa Rd. Greenville, SC 29615. The complaint will be addressed and you will receive a response within 15 days.

This Agreement and its endorsement(s) represent the entire agreement between you and AccessOne Consumer Health, Inc. and supersede all other prior representations, statements, or written agreements between you and Accessone.

ALASKA RESIDENTS: This plan is not available to Alaska residents.ILLINOIS RESIDENTS: If you have a complaint you may contact the Illinois Department of Insurance.MASSACHUSETTS RESIDENTS: This plan is not insurance coverage and does not meet the minimum credible coverage requirements under M.G.L. c. 111M & 956 CMR 5.00; the range of discounts for specified medical, pharmacy or ancillary services provided under the plan will vary depending upon the type of provider and the type of services received; this plan does not make any payments to providers for services received.MONTANA RESIDENTS: This plan is not available to Montana residents.TEXAS RESIDENTS: This is NOT insurance. Discounts are only available at participating pharmacies. By using this card, you agree to pay the entire prescription cost less any applicable discount. Savings may vary by drug and by pharmacy. The program administrator may obtain fees or rebates from manufacturers and/or pharmacies based on your prescription drug purchases. These fees or rebates may be retained by the program administrator or shared with you and/or your pharmacy. Prescription purchased through this program will not be eligible for reimbursement through Medicaid, Medicare or any other government program. This program does not guarantee the quality of the services or products offered by individual providers. We do not sell your personal information. Call the member toll-free number on the back of your ID card to file a complaint related to this program. Regulated by the Texas Department of Insurance, P.O. Box 12157 Austin Texas 78711: telephone 1-800-252-3439 or (512) 463-6515; website: www.tdi.state.texas.com.UTAH RESIDENTS: This program is not covered by the Utah Health Insurance Guarantee Act. VERMONT RESIDENTS: This plan is not available to Vermont residents.WEST VIRGINIA RESIDENTS: If after receiving our response and you are not satisfied with the resolution, you may write or call the West Virginia Insurance Commissioner.

Vision Member Participation Agreement

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Limitations & Exclusions

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HOSPITAL InDEMnITY

PRE-EXISTING CONDITION LIMITATIONA pre-existing condition means, within the 12-month period prior to the insured’s effective date, conditions for which medical advice or treatment was received or recommended.We will not pay benefits for any loss or injury that is caused by, contributed to by, or resulting from a pre-existing condition for 12 months after the insured’s effective date or for 12 months from the date medical care, treatment, or supplies were received for the pre-existing condition—whichever is less.A claim for benefits for loss starting after 12 months from the effective date of the insured’s certificate will not be reduced or denied on the grounds that it is caused by a pre-existing condition.Pregnancy is considered a pre-existing condition if conception was before the coverage effective date.Treatment means consultation, care, or services provided by a physician. This includes diagnostic measures and taking prescribed drugs and medicines.If the certificate is issued as a replacement for a certificate previously issued under this plan, then the pre-existing condition limitation provision of the new certificate applies only to any increase in benefits over the prior certificate. Any remaining pre-existing condition limitation period of the prior certificate continues to apply to the prior level of benefits.EXCLUSIONS We will not pay benefits for loss caused by pre-existing conditions (except as stated in the Pre-Existing Condition Limitation provision above).We will not pay benefits for loss contributed to by, caused by, or resulting from:1. War – Participating in war or any act of war, declared or not, or participating in

the armed forces of or contracting with any country or international authority. We will return the prorated premium for any period not covered by this certificate when the insured is in such service.

2. Suicide – Committing or attempting to commit suicide, while sane or insane.3. Self–Inflicted Injuries – Injuring or attempting to injure yourself intentionally.4. Traveling – Traveling more than 40 miles outside the territorial limits of the

United States, Canada, Mexico, Puerto Rico, the Bahamas, Virgin Islands, Bermuda, and Jamaica.

5. Racing – Riding in or driving any motor–driven vehicle in a race, stunt show or speed test.

6. Aviation – Operating, learning to operate, serving as a crewmember on, or jumping or falling from any aircraft, including those, which are not motor–driven.

7. Intoxication – Being legally intoxicated, or being under the influence of any narcotic, unless such is taken under the direction of a physician.

8. Illegal Acts – Participating or attempting to participate in an illegal activity, or working at an illegal job.

9. Sports – Participating in any organized sport: professional or semi–professional.

10. Routine physical exams and rest cures.11. Custodial care. This is care meant simply to help people who cannot take

care of themselves.12. Treatment for being overweight, gastric bypass or stapling, intestinal bypass,

and any related procedures, including complications.13. Services performed by a relative.14. Services related to sex change, sterilization, in vitro fertilization, reversal of a

vasectomy or tubal ligation.15. A service or a supply furnished by or on behalf of any government agency

unless payment of the charge is required in the absence of insurance.16. Elective abortion.17. Treatment, services, or supplies received outside the United States and its

possessions or Canada.18. Injury or sickness covered by Worker’s Compensation.19. Dental services or treatment.20. Cosmetic surgery, except when due to medically necessary reconstructive

plastic surgery.21. Mental or emotional disorders without demonstrable organic disease.22. Alcoholism, drug addiction, or chemical dependency.

Continental American Insurance Company is not aware of whether a Contractor will receive benefits from Medicare, Medicaid, or a state variation.

If Contractors or their dependent(s) are subject to Medicare, Medicaid, or a state variation, any and all benefits under this plan could be assigned.This means that the Contractors may not receive any of the benefits in the plan.

As a result, please check the coverage in all health insurance policies a Contractor may already have or may have before the Contractor buy this insurance to verify the absence of any assignments or liens.TERMINATIONSA Contractor’s insurance will terminate on the earliest of:• The date the plan is terminated;• The 31st day after the premium due date, if the required premium has not been

paid;• The date an insured no longer meets the definition of a Contractor with an

active Independent Contractor agreement with an approved Motor Carrier that appears in the Master Application’s Schedule A, unless the insured takes advantage of the portability privilege.

• The premium due date which falls on or first follows the Contractor’s 70th birthday; or

• The date a Contractor no longer belongs to an eligible class.Insurance for an insured spouse or dependent child will terminate the earliest of:• The date the plan is terminated;• The date the spouse or dependent child ceases to be a dependent; or• The premium due date following the date we receive written request to

terminate coverage for an insured’s spouse and/or all dependent children.If the group master policy and/or certificate terminates, we will provide coverage for claims arising from covered accidents or sickness that occurred while the plan was in force.DEFINITIONSInjury or Injuries – Accidental bodily injury or injuries caused solely by or as the result of a covered accident.Covered Accident – An accident, which occurs on or after the insured’s effective date, while the insured’s certificate is in force, and which is not specifically excluded.Sickness – An illness, infection, disease or any other abnormal condition, which is not caused solely by or the result of an injury.Covered Sickness – An illness, infection, disease or any other abnormal physical condition which is not caused solely by or the result of any injury which:1. Occurs while the insured’s coverage is in force; and2. Was not treated or for which the insured did not receive advice within 12

months before the insured’s effective date; and3. Is not excluded by name or specific description in the plan.

Calendar Year – The period beginning on the policy effective date and ending on December 31 of the same year. Thereafter, it is the period beginning on January 1 and ending on December 31 of each following year.Doctor or Physician – A person, other than the insured, or a member of the insured’s immediate family, who:• Is licensed by the state to practice a healing art;• Performs services which are allowed by his or her license; and• Performs services for which benefits are provided by the Plan.

Hospital – A place that:• Is legally licensed and operated as a hospital;• Provides overnight care of injured and sick people;• Is supervised by a doctor;• Has full-time nurses supervised by a registered nurse;• Has on-site or pre-arranged use of X-ray equipment, laboratory and surgical

facilities; and• Maintains permanent medical history records.A hospital is not:• A nursing home;• An extended-care facility;• A convalescent home;• A rest home or a home for the aged;• A place for alcoholics or drug addicts; or• A mental institution.

Hospital Intensive Care Unit – A place that:1. Is a specifically designated area of the hospital called an intensive care unit

that provides the highest level of medical care and is restricted to patients who are critically ill or injured and who require intensive comprehensive observation and care;

2. Is separate and apart from the surgical recovery room and from rooms, beds and wards customarily used for patient confinement;

3. Is permanently equipped with special lifesaving equipment for the care of the critically ill or injured;

4. Is under constant and continuous observation by a specially trained nursing staff assigned exclusively to the intensive care unit on a twenty four hour

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basis; and5. Has a doctor assigned to the intensive care unit on a full-time basis.

A hospital intensive care unit is not any of the following step-down units:1. A progressive care unit;2. A sub-acute intensive care unit;3. An intermediate care unit;4. A private monitored room;5. A surgical recovery room;6. An observation unit; or7. Any facility not meeting the definition of a hospital intensive care unit as defined

in the plan.Dependent Children – A Contractor’s natural child(ren), stepchildren, foster children, legally adopted child(ren) or child(ren) placed for adoption, who are under age 26.A Contractor’s natural children will be covered from the moment of live birth provided the birth was after the effective date of the Dependent Children Benefit Rider. No notice or additional premium is required if the Dependent Children Benefit Rider is already in force. Newborn children are not covered from the time of birth unless Dependent Children Benefit Rider coverage is already in force and effective prior to birth.Coverage on dependent children will terminate on the child’s 26th birthday. However, if any child is incapable of self-sustaining employment due to mental retardation or physical handicap and is dependent on his parent(s) for support, the above age of twenty-six 26 provision shall not apply. Proof of such incapacity and dependency must be furnished to the Company within 31 days following such 26th birthday.Spouse – A Contractor’s legal spouse who is between the ages of 18–64 and who is named on the enrollment application.Treatment – Consultation, care or services provided by a physician including diagnostic measures and taking prescribed drugs and medicines.

CRITICAL ILLnESS

LIMITATIONS AND EXCLUSIONSThis Certificate contains a 30-day “Waiting Period”. This means a no benefit is payable for any Insured Person who has been diagnosed with a Specified Critical Illness before their coverage has been in force 30 days from the Effective Date shown in the Certificate Schedule. If an Insured is first diagnosed during the “Waiting Period”, benefits for treatment of that Critical Illness will apply only to loss commencing after 12 months from their Effective Date; or, at the Contractor’s option, they may elect to void the Certificate from the beginning and receive a full refund of premium.The date of diagnosis of a Critical Illness must be separated from the date of diagnosis of a subsequent different Critical Illness by at least 6 months, or at least 6 months Treatment Free for Cancer. The date of diagnosis of a Critical Illness must be separated from the date of diagnosis of a subsequent same Critical Illness by at least 12 months, or at least 12 months Treatment Free for Cancer. Cancer that has spread (metastasized) even though there is a new tumor will not be considered an additional occurrence unless the Insured has been Treatment Free for at least 12 months.The applicable benefit amount will be paid if the date of diagnosis occurs after the Waiting Period, the date of diagnosis occurs while the Insured’s coverage is in force; and the cause of the illness is not excluded by name or specific description.Benefits will not be paid for loss due to:

1. Intentionally self-inflicted injury or action;2. Suicide or attempted suicide while sane or insane;3. Illegal activities or participation in an illegal occupation;4. War, whether declared or undeclared or military conflicts, participation in an

insurrection or riot, or civil commotion;5. Substance abuse;6. Pre-Existing Conditions.

No benefits will be paid for diagnosis made or Treatment received outside the United States.

PRE-EXISTING CONDITION LIMITATION“Pre-existing Condition” means a sickness or physical condition which, within the 12-month period prior to the Effective Date of the certificate resulted in an Insured Person’s receiving medical advice or Treatment.We will not pay benefits for any sickness or physical condition starting within 12-months of an Insured’s Effective Date which is caused by or resulting from a

Preexisting Condition.A claim for benefits for loss starting after 12-months from an Insured’s Effective Date will not be reduced or denied on the grounds that it is caused by a Pre-existing Condition.A condition will no longer be considered preexisting at the end of 12 consecutive months starting and ending after an Insured’s Effective Date.

DEFINITIONSCancer means a malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of distant tissue. Cancer includes Leukemia. Excluded are Cancers that are non-invasive such as:

1. Pre-malignant tumors or polyps;2. Carcinoma in Situ;3. Any skin Cancers except melanomas;4. Basal cell carcinoma and squamous cell carcinoma of the skin; and5. Melanoma that is diagnosed as Clark’s Level I or II or Breslow less than .77mm.

Cancer is also defined as disease which meets the diagnosis criteria of malignancy established by The American Board of Pathology after a study of the histocytologic architecture or pattern of the suspect tumor, tissue or specimen.Carcinoma in Situ means Cancer that is in the natural or normal place, confined to the site of origin without having invaded neighboring tissue.Cancer and/or Carcinoma in Situ must be diagnosed in one of two ways:1. Pathological Diagnosis - A Pathological Diagnosis of Cancer or Carcinoma in Situ is based on a microscopic study of fixed tissue or preparations from the hemic (blood) system. This type of diagnosis must be done by a Certified Pathologist whose diagnosis of malignancy is in keeping with the standards set up by the American Board of Pathology.2. Clinical Diagnosis - A Clinical Diagnosis of Cancer or Carcinoma in Situ is based on the study of symptoms.We will pay benefits for a Clinical Diagnosis only if:

1. A Pathological Diagnosis cannot be made because it is medically inappropriate or life-threatening; and

2. There is medical evidence to support the diagnosis; and3. A doctor is treating an Insured for Cancer and/or Carcinoma in Situ.

Heart Attack (Myocardial Infarction) means the death of a portion of the heart muscle (myocardium) resulting from a blockage of one or more coronary arteries. Heart Attack does not include any other disease or injury involving the cardiovascular system. Cardiac Arrest not caused by a Myocardial Infarction is not a Heart Attack. The diagnosis must include all of the following criteria:

1. New and serial Electrocardiographic (EKG) findings consistent with Myocardial Infarction;

2. Elevation of cardiac enzymes above generally accepted laboratory levels of normal in case of creatine physphokinase (CPK), a CPK-MB measurement must be used; and

3. Confirmatory imaging studies such as thallium scans, MUGA scans, or stress echocardiograms.

Stroke means apoplexy (due to rupture or acute occlusion of a cerebral artery), or a cerebral vascular accident or incident, which began on or after an Insured’s Effective Date. Stroke does not include Transient Ischemic Attacks and attacks of Verterbrobasilar Ischemia. We will pay a benefit for Stroke which produces permanent clinical neurological sequela following an initial diagnosis made after any applicable Waiting Period. We must receive evidence of the permanent neurological damage provided from Computed Axial Tomography (CAT scan) or magnetic Resonance Imaging (MRI). Stroke does not mean head injury, transient ischemic attack or chronic cerebrovascular insufficiency.Renal Failure (Kidney Failure) means the end stage Renal Failure presenting as chronic, irreversible failure of both of your kidneys to function. The kidney failure must necessitate regular renal dialysis, hemo-dialysis or peritoneal dialysis (at least weekly); or which results in kidney transplantation. Renal Failure is covered, provided it is not caused by a traumatic event, including surgical traumas.Coronary Artery Bypass Surgery – undergoing open heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts, but excluding procedures such as, but not limited to balloon angioplasty, laser relief, stints or other non-surgical procedures.Major Organ Transplant – Having a Major Organ Transplant means undergoing surgery as a recipient of a transplant of a human heart, lung, liver, kidney, or pancreas.Insured Person(s) –

1. If Contractor coverage is shown in the Certificate Schedule, we insure the Contractor.

2. If coverage is for the Spouse of an eligible Contractor, we insure the Insured as shown on the Certificate Schedule.

3. Coverage for Dependent Children may be included in an attached rider (if

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applicable).4. If any person who would otherwise be an Insured is specifically excluded from

coverage by endorsement to the Certificate or by the application, then such person shall not be an Insured.

5. Any other additions to the Insured class must be added by endorsement after applying to the Company.

Successor Insured - If the Insured dies while covered under this plan, then the surviving spouse shall become the Insured if such spouse is an Insured Person. If there is no surviving spouse covered under this plan, then this plan shall terminate on the next premium due date. Dependent Children – means your natural children, step-children, foster children, legally adopted children or children placed for adoption, who are under age 26.Your natural Children born after the Effective Date of this Rider will be covered from the moment of live birth. No notice or additional premium is required.Coverage on a Dependent Child(ren) will terminate on the child’s 26th birthday. However, if any child is incapable of self-sustaining employment due to mental retardation or physical handicap and is dependent on his parent(s) for support, the above age of twenty-six (26) shall not apply. Proof of such incapacity and dependency must be furnished to the Company within thirty-one (31) days following such 26th birthday.Date of Diagnosis - The date of diagnosis is:

1. For Cancer and or/or Carcinoma in Situ: The day the tissue specimen, blood samples and /or titer(s) are taken on which the diagnosis of cancer or carcinoma in situ is based. This includes recurrence of a previously diagnosed cancer provided the insured is free of any signs or symptoms and is treatment free for that cancer for 12 consecutive months.

2. For Heart Attack: The date that the death (infarction) of a portion of the heart muscle occurred based on the criteria listed under the Heart Attack definition.

3. For Stroke: The date a Stroke occurred based on documented neurological deficits and neuro-imaging studies.

4. For end stage Renal Failure: The date that your doctor or physician recommends that you begin renal dialysis.

5. For Major Organ Transplant surgery or Coronary Artery Bypass Surgery: The date the surgery occurs for covered transplants or covered Coronary Artery Bypass Surgery.

Treatment means consultation, care or services provided by a physician including diagnostic measures and taking prescribed drugs and medicines.Treatment Free means a period of time without the consultation, care or services provided by a physician including diagnostic measures and taking prescribed drugs and medicines. For the purpose of this definition “treatment” does not include maintenance drug therapy or routine follow-up visits to verify if cancer or carcinoma in situ has returned.Waiting Period means the number of days after the Effective Date before we will pay benefits for loss due to a Critical Illness. We won’t pay benefits for a Critical Illness that begins during the Waiting Period.Maintenance Drug Therapy means ongoing hormonal therapy, immunotherapy or chemo-prevention therapy that may be given following the full remission of a cancer due to primary treatment. It is meant to decrease the risk of cancer recurrence rather than the palliative or suppression of a cancer that is still present.Symptoms mean the subjective evidence of disease or physical disturbance.Signs mean the subjective evidence of disease or physical disturbance observed by a physician or other member of the medical profession, acting within the scope of their license.

ACCIDEnT

LIMITATIONS AND EXCLUSIONSWe will not pay benefits for injury, total disability, or death contributed to, caused by, or resulting from:• War – participating in war or any act of war, declared or not; participating in the

armed forces of, or contracting with, any country or international authority. We will return the prorated premium for any period not covered by this certificate when you are in such service.

• Suicide – committing or attempting to commit suicide, while sane or insane.• Sickness – having any disease or bodily/mental illness or degenerative

process. We also will not pay benefits for any related medical/surgical treatment or diagnostic procedures for such illness.

• Self-Inflicted Injuries – injuring or attempting to injure yourself intentionally.• Racing – riding in or driving any motor-driven vehicle in a race, stunt show, or

speed test.

• Intoxication – being legally intoxicated, or being under the influence of any narcotic, unless taken under the direction of a Doctor. Legally intoxicated means that condition as defined by the law of the jurisdiction in which the accident occurred.)

• Illegal Acts – participating or attempting to participate in an illegal activity, or working at an illegal job.

• Sports – participating in any organized sport –professional or semi-professional.• Cosmetic Surgery – having cosmetic surgery or other elective procedures that

are not medically necessary or having dental Treatment except as a result of a covered accident.

TERMINATIONSA Contractor’s coverage will terminate on whichever occurs first:• The date the master policy is terminated.• The 31st day after the premium due date, if the premium has not been paid.• The date an insured no longer meets the definition of a Contractor with an

active Independent Contractor agreement with an approved Motor Carrier that appears in the Master Application’s Schedule A, unless the insured takes advantage of the portability privilege.

• The date an insured no longer belongs to an eligible class.If the master policy and/or certificate terminates, we will provide coverage for claims arising from covered accidents that occurred while the plan was in force.

DEFINITIONSAccidental Injury or Injuries means bodily injury or injuries resulting from an unforeseen and unexpected traumatic event that meets the definition of covered accident.Calendar Year is defined as January 1 through December 31 of the same year.Covered Accident means an unforeseen and unexpected traumatic event resulting in bodily Injury. An event meets the qualifications of covered accident if it:• Occurs on or after the Plan’s Effective Date,• Occurs while coverage is in force, and• Is not specifically excluded.

Dependent Children are your or your spouse’s natural children, step-children, legally adopted children, or children placed for adoption who are younger than age 26.However, there is an exception to the age-26 limit listed above. This limit will not apply to any child who is incapable of self-sustaining employment due to mental or physical handicap and is dependent on a parent for support. You or your spouse must furnish proof of this incapacity and dependency to the Company within 31 days following the child’s 26th birthday.Doctor is defined as a person who is:• Legally qualified to practice medicine,• Licensed as a physician by the state where treatment is received, and• Licensed to treat the type of condition for which a claim is made.

A doctor does not include you or your family member.Family member (as referenced under the definition of Doctor and the Family Lodging Benefit) includes the Contractor’s spouse, who is defined as a Contractor’s legal wife or husband, as well as the following members of the insured’s immediate family:• Son.• Daughter.• Mother.• Father.• Sister.• Brother.

This includes step-family members and family-members-in-law.Hospital refers to a place that:• Is legally licensed and operated as a hospital;• Provides overnight care of injured and sick people;• Is supervised by a doctor;• Has full-time nurses supervised by a registered nurse;• Has on-site or pre-arranged use of x-ray equipment, laboratory, and surgical

facilities; and• Maintains permanent medical history records.

A hospital is not:• A nursing home;• An extended-care facility;• A convalescent home;

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• A rest home or a home for the aged;• A place for alcoholics or drug addicts; or• A mental institution.

Hospital Intensive Care Unit refers to a specifically designed hospital facility that provides the highest level of medical care and is restricted to patients who are critically ill or injured, Hospital intensive care units must be:• Separate and apart from the surgical recovery room;• Separate and apart from rooms, beds, and wards customarily used for patient

confinement;• Permanently equipped with special life-saving equipment to care for the critically

ill or injured; and• Under constant and continuous observation by nursing staffs assigned to the

intensive care units on an exclusive, full-time basis.Psychiatrist is a doctor of medicine who specializes in the diagnosis and treatment of mental disorders.Psychologist is a clinical mental health professional who works with patients and is not a doctor of medicine who typically provides medical interventions and drug therapies, but provides analysis and counseling.Rehabilitation Unit is a unit of a hospital providing coordinated multidisciplinary physical restorative services. These services must be provided to inpatients under a doctor’s direction. The doctor must be knowledgeable and experienced in rehabilitative medicine. Beds must be set up and staffed in a unit specifically designated for this service.Spouse is the legal wife or husband who is at least age 18 and who is named on the enrollment application.Treatment or Medical Treatment is the consultation, care, or services provided by a doctor. This includes receiving any diagnostic measures and taking prescribed drugs and medicines.

DISAbILITY

We will pay all applicable benefits if the covered Contractor’s disability is caused by a covered sickness or covered injury and if it occurs while this coverage is in force.All benefits are subject to the limitations and exclusions, pre-existing condition limitations, and other plan terms.Benefits will be paid for only one disability at a time, even if the disability is caused by more than one sickness, more than one injury, or a sickness and an injury. We reserve the right to meet with the covered Contractor while a claim is pending, or to use an independent consultant and doctor’s statement to determine whether the covered Contractor is qualified to receive disability benefits.The covered Contractor must be under the care and attendance of a doctor for these benefits to be payable. Benefits will cease on the date of the covered Contractor’s death.

LIMITATIONS AND EXCLUSIONSA. We will not pay benefits whenever coverage provided by this plan is in violation

of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.

B. We will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.

C. We will not pay benefits for disability that is caused by or occurs as a result of:1. Any act of war, declared or undeclared; insurrection; rebellion; or act of

participation in a riot.2. Actively serving in any of the armed forces, or units auxiliary thereto, including

the National Guard or Reserve.3. An intentionally self-inflicted injury.4. A commission of a crime for which the Contractor has been convicted; we

will not pay a benefit for any period of disability during which the Contractor is incarcerated.

5. Travel in, or jumping or descent from any aircraft, except when a fare-paying passenger in a licensed passenger aircraft.

6. Having cosmetic surgery or other elective procedures that are not Medically Necessary.

7. Mental illness as defined.8. Alcoholism or drug addiction.

For off-job coverage, the following limitations and exclusions will apply:9. An injury that arises from any employment.

10. Injury or sickness that is covered by Worker’s Compensation.

PRE-EXISTING CONDITIONS LIMITATIONPre-existing Condition is an illness, disease, infection, disorder, pregnancy, or injury that existed within the 12-month period before the effective date of coverage.For a condition to have been pre-existing:• A doctor must have advised, diagnosed, or treated the covered Contractor, or• Symptoms existed that would ordinarily cause a prudent person to seek

medical advice or treatment.We will not pay benefits for any disability resulting from or affected by a pre-existing condition if the disability was diagnosed within the 12-month period after the effective date of coverage.We will not reduce or deny a claim for benefits for any disability due to a pre-existing condition that was diagnosed more than 12 months after the effective date of coverage.Pregnancy LimitationWithin the first nine months of the effective date of coverage, we will not pay benefits for a disability that is caused by, or occurs as a result of, pregnancy or childbirth. Disability due to complications of pregnancy will be covered to the same extent as a covered sickness.After this coverage has been in force for nine months from the effective date of coverage, disability benefits for childbirth will be payable. The maximum period of disability allowed for disability due to childbirth is six weeks for non-cesarean delivery and eight weeks for cesarean delivery, less the elimination period, unless proof is furnished that disability continues beyond these time frames due to complications of pregnancy.

SEPARATE PERIODS OF DISABILITYSame or Related ConditionsSeparate periods of disability resulting from the same condition or a related condition are considered a continuation of the prior disability if they are not separated by 180 days or more.Once the maximum Disability Benefit has been paid, the covered Contractor will not be eligible for a new Disability Benefit due to the same or a related condition for 180 days after all the following conditions are met:• The Contractor has been released by a doctor from the prior disability.• The Contractor is no longer disabled.• The Contractor is no longer qualified to receive any disability benefits under the

certificate.After the disability benefit period, the Contractor may continue coverage if all of the following conditions are met:• The Contractor returns to work within 90 days after the benefit period ends.• Premium payments for the coverage resume upon return to work.• The group master policy is still in force upon return to work.

Unrelated CausesSeparate periods of disability resulting from unrelated causes are considered a continuation of the prior disability if they are not separated by the covered Contractor returning to work at a full-time job for 30 consecutive days, during which the Contractor is performing the material and substantial duties of that job.Once the maximum Disability Benefit has been paid, the Contractor will not be eligible for a new Benefit for disability due to an unrelated cause, until 30 consecutive days after all the following conditions are met:• The Contractor has been released by a doctor from a prior disability.• The Contractor is no longer qualified to receive any disability benefits under this

certificate.After the disability benefit period, the Contractor may continue coverage if all of the following conditions are met:• The Contractor returns to work within 90 days after the benefit period ends.• Premium payments for the coverage resume upon return to work.• The group Policy is still in force upon return to work.

Periods of disability meeting either of these separation requirements will begin a new Disability Benefit Period, subject to a new elimination period.

TERMINATION OF A CONTRACTOR’S INSURANCEA covered Contractor’s insurance will terminate on whichever occurs first:• The date the plan is terminated.• The 31st day after the premium due date, if the premium has not been paid.• The date an insured no longer meets the definition of a Contractor with an

active Independent Contractor agreement with an approved Motor Carrier that appears in the Master Application’s Schedule A, unless the insured takes advantage of the portability privilege.

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• The date the Contractor no longer belongs to an eligible class.• The Contractor attaining age 75.

If the covered Contractor’s coverage ends, we will provide coverage for claims that arise from short-term disability that was first diagnosed while your coverage was in force.

DEFINITIONSActively at Work refers to a covered Contractor’s ability to perform his regular duties for a full normal workday. The covered Contractor may perform these activities either at his regular place of business or at a location where the covered Contractor may be required to travel to perform his regular duties.Base Annual Pay is the covered Contractor’s annual income from his full-time job with the policyholder. This pay excludes overtime pay, bonuses, or any other special pay.Benefit Period is the maximum number of days after the elimination period, if any, for which the covered Contractor can be paid benefits for any period of disability. Each new benefit period is subject to a new elimination period.For the purposes of this calculation, a “month” is defined as 30 days for which benefits are paid.Complications of Pregnancy refers to:• Conditions requiring medical treatment that comes before or comes after the

termination of a pregnancy. The diagnoses for this medical treatment must be distinct from pregnancy but either adversely affected by pregnancy or caused by pregnancy. For a condition to be a complication of pregnancy, it must constitute a classifiably distinct pregnancy complication. Examples of such complications of pregnancy are:

o Acute nephritis,o Nephrosis,o Cardiac decompensation,o Missed abortion,o Disease of the vascular, hemopoietic, nervous, or endocrine systems, ando Similar medical and surgical conditions of comparable severity.

• Further complications of pregnancy include:o Hyperemesis gravidarum and pre-eclampsia requiring hospital confinement,o Ectopic pregnancy that is terminated, ando Spontaneous termination of pregnancy that occurs during a period of

gestation in which a viable birth is not possible.Complications of pregnancy do not include:• Multiple gestation pregnancy.• False labor.• Occasional spotting.• Morning sickness.

Other similar conditions associated with a difficult pregnancy are not considered complications of pregnancy.Cesarean deliveries are not considered complications of pregnancy. Disability• Total Disability refers to the Contractor being under the care and attendance of

a doctor due to a condition that causes his inability to perform the material and substantial duties of his full-time job with their Motor Carrier. To qualify as total disability, the Contractor may not be working at any job.

• Partial Disability refers to the Contractor’s being under the care and attendance of a doctor due to a condition that causes his inability to perform the material and substantial duties of his full-time job. To qualify as partial disability, the Contractor is able to work at any job earning less than 80 percent of the base annual pay of his full-time job at the time he became disabled.

Doctor is defined as a person who meets all the following criteria:• A person who is legally qualified to practice medicine,• A person who is licensed as a physician by the state where treatment is

received, and• A person who is licensed to treat the type of condition for which a claim is made

A doctor does not include the Contractor or the Contractor’s family member.Elimination Period is the number of continuous days at the beginning of the Contractor’s period of disability for which no benefits are payable. Each new benefit period is subject to a new elimination period.Contractor is a person who meets eligibility requirements set by the Master Application and who is covered under this plan. Contractor means the eligible person whose coverage under the certificate becomes effective. The Contractor is named on his certificate schedule. The Contractor is always the covered eligible Contractor under the group master policy.Family Member includes anyone related to the Contractor in the following

manner: spouse, brothers or sisters (includes stepbrothers and stepsisters); children (includes stepchildren); parents (includes stepparents); grandchildren, father- or mother-in-law; and spouses, as applicable.Full-Time Job refers to a job at which the Contractor works, performing his occupational duties for pay or benefits, for the required number of hours per week.Injury refers to an off-the-job or on-the-job bodily injury not otherwise excluded. An injury meets all the following criteria:• It is directly caused by a covered accident.• It is not caused by sickness, disease, bodily infirmity, or any other cause.• It occurs on or after the effective date of coverage and while coverage is in force.

Medically Necessary refers to treatment, services, or supplies that are necessary and appropriate for the diagnosis or treatment of a sickness or an injury based upon generally accepted medical practice.Mental Illness is defined as a total disability resulting from psychiatric or psychological conditions, regardless of cause. Mental Illness includes but is not limited to the following: bipolar affective disorder (manic-depressive syndrome), delusional (paranoid) disorders, psychotic disorders, somatoform disorders (psychosomatic illness), eating disorders, schizophrenia, anxiety disorders, depression, stress, post-partum depression, personality disorders and adjustment disorders. It also includes any other condition usually treated by a doctor, mental health provider, or other qualified provider using psychotherapy, psychotropic drugs or other similar modalities used in the treatment of the above conditions.Off-the-Job Injury means an Injury that occurs while the Contractor is not working at any job for pay or benefits.On-the-Job Injury means an Injury that occurs while the Contractor is working at any job for pay or benefits.Period of Disability means the length of time the Contractor is either totally disabled or partially disabled from one or more causes. It starts the first full day of total disability or partial disability after the Contractor ceases to be actively at work for the policyholder. It ends on the earlier of the following two dates:• The date the Contractor ceases to be totally disabled or partially disabled, or• The date the Contractor returns to an actively at work status for any approved

Motor Carrier.Sickness refers to a covered illness, disease, infection, or any other abnormal physical condition. Sickness must meet all the following criteria:• It must not be caused by an injury.• It first manifested and was first treated after the effective date of coverage.• It occurs while coverage is in force.

Treatment or Medical Treatment is the consultation, care, or services provided by a doctor. This includes receiving any diagnostic measures and taking prescribed drugs and medicines.

nOTICES

If this coverage will replace any existing individual policy, please be aware that it may be in the Contractor’s best interest to maintain their individual guaranteed-renewable policy.Continental American Insurance Company is not aware of whether any Contractors receive benefits from Medicare, Medicaid, or a state variation. If any Contractors or dependents are subject to Medicare, Medicaid, or a state variation, any and all benefits under this plan could be assigned. This means that any such Contractors may not receive any of the benefits in the plan. As a result, Contractors should please check the coverage in all health insurance policies those Contractors already have or may have before such Contractors buy this insurance to verify the absence of any assignments or liens.The coverages provided by Continental American Insurance Company (CAIC) represent supplemental benefits only. They do not constitute comprehensive health insurance coverage and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act. CAIC coverage is not intended to replace or be issued in lieu of major medical coverage. It is designed to supplement a major medical program.Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. Continental American Insurance Company, 2801 Devine Street, Columbia, South Carolina 29205.

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Call to speak with an Enrollment Specialist!

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(Central Standard Time)

Benefits Website: www.marshdriverbenefits.com

AO-EG_SG1-4_07.23.15Copyright © 2015. Homeland HealthCare, Inc. All Rights Reserved.