Benefits Enrollment Guide 2016

Benefits Enrollment GuideEffective July 1, 2016

Learn How to Enroll

Important Benefit Information Enclosed

Benefits Enrollment Guide2

Why Choose Us?1. We care about our healthcare providers. That’s why we offer a full benefits program with options and choices

designed to meet every healthcare provider’s health and financial needs.

2. We offer first-day healthcare coverage for every healthcare provider we place on assignment.

3. We allow our healthcare providers the ability to change plans at the start of each assignment. Changes can not be made upon extension of assignment.

4. We bridge healthcare coverage for healthcare providers who end one assignment and start a new one within 31 days. This allows our healthcare providers to schedule preventive/annual visits between assignments when it’s convenient for them. If a new assignment is not started within 31 days , coverage ends on the last day worked on assignment.

5. We offer healthcare coverage for same-sex and opposite-sex domestic partners.

6. We provide Teladoc to all our healthcare providers who elect medical coverage. This 24/7 physician consultation service allows healthcare providers to get medical and treatment advice, including prescriptions, over the phone.

7. We use Anthem BCBS as our preferred provider network, which is a national network with providers available across the country. If, by chance, a healthcare provider can’t find an Anthem BCBS provider within 35 miles of his or her location, we will cover medical treatment expenses at the in-network level.

8. Our benefits plans are competitive in price with multiple tiers and options that let healthcare providers decide how much coverage they want to purchase.

9. Our dental plan covers 100 percent of preventive services (usual and customary), and covers up to $1,000 for orthodontia coverage for children.

10. We have a comprehensive vision plan that covers expenses for contact lenses, glasses, frames, exams, and more, which can be used all across the country.

11. We provide an Employee Assistance Program (EAP), free of charge, to all of our healthcare providers and their families to assist with mental health, behavioral, financial, and legal issues.

12. We provide the option to purchase supplemental insurance policies at a group rate, including short-term disability, critical illness, and accident insurance. While you are working for us, we will deduct the premium out of your paycheck. When you leave, you can keep the policy and pay the carrier directly.

13. We offer pet insurance.

14. We offer a 401(k) plan with a generous company match. Enrollment in the 401(k) plan will become available once you have started your assignment, completed all of the appropriate payroll documentation, and enrolled online at www.401k.com.

Questions? Call 800.811.1796 to speak to a benefits specialist 3

Table of ContentsOur Healthcare Benefits Are Among the Best in the Industry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Benefits at a Glance

How to Enroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Enrollment Steps

Eligibility for Healthcare Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Covering Dependents

Which Plan Is Right for Me? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6What If I Am Eligible for Medicare?Using Anthem BCBS: In-Network BenefitsWho Is Navitus?Who Is AmeriBen?How to Locate an In-Network ProviderPre-Certifications/AuthorizationsYour Medical Insurance CardHawaii Assignments

Medical Plan Options. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Your Contributions for Medical Coverage

Teladoc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9Who Is Eligible to Use Teladoc? When Should I Use Teladoc? How Do I Use Teladoc?What Does Teladoc Cost?

Dental Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Your Contributions for Dental Coverage

Vision Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Your Contributions for Vision Coverage

Traditional Roth and 401(k) Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Allstate Benefits Short-Term Disability Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Group Voluntary Disability CoverageAllstate Benefits Disability CoverageAvailable Plans and Monthly Premium Calculation

Allstate Critical Illness Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14Allstate Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Your Contributions for Allstate Accident Insurance

Company-Paid Life and Accidental Death and Dismemberment (AD&D) . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Employee Assistance Program (EAP) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Making Benefit Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17Workers’ Compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17Contact List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18


Our Healthcare Benefits Are Among the Best in the IndustryWe’re proud to offer an excellent total compensation package. In addition to paying you highly competitive rates, we also reward you with an all-inclusive benefits package that is one of the most comprehensive and leading edge in travel. And you pay less for these benefits, on average, than other employees in our industry.

Benefits at a Glance*

MEDICAL

• Value Care• Choice Care• Select Care

These medical plans are offered by AmeriBen. Your choices include:• Value Care—high deductible, low cost, preventive care covered at 100 percent• Choice Care—$1,000 deductible, 70 percent coinsurance, $25 copay, $15

generic prescriptions• Select Care—opportunity to “buy up” to a $700 deductible, 80 percent

coinsurance, $25 copay, $10 prescriptions

TELADOC When you enroll in a medical plan, you are eligible to utilize the Teladoc program. This service allows you to consult with a physician at 800.Teladoc (835.2362) in order to obtain approved prescriptions over the phone. There is no cost to you or your dependents for this service if you are enrolled in either the Choice Care or Select Care plans.

DENTAL A separate, comprehensive dental plan is available for you and your dependents. Preventive dental care is covered at 100 percent when you use a dentist contracted by Aetna Dental.

VISION EyeMed Vision Care is available for you and your family at a competitive group rate.

TRADITIONAL OR ROTH 401(k) PLANS Administered through Fidelity, you may contribute from 1-60 percent of your eligible earnings to a plan. The company matches 50 percent of the first 6 percent that you contribute.

OPTIONAL BENEFIT CHOICES These optional plans provide additional protection for you:• Short-term disability insurance• Accident insurance• Critical illness insurance

COMPANY-PAID LIFE AND AD&D As an employee, you will automatically receive $25,000 of Basic Life and Accidental Death and Dismemberment (AD&D) insurance. This benefit is free and does not require enrollment in a medical plan.

EMPLOYEE ASSISTANCE PROGRAM (EAP)

The Employee Assistance Program offers free confidential assistance for financial, legal, and behavioral health issues. Each employee and their dependents are eligible for three free counseling sessions per calendar year.

PET INSURANCE We offer optional veterinary pet insurance from MetLife, which covers various medical problems and conditions and can help you save money on pet-related medical bills.

*Benefits at a Glance provides a summary of this benefit plan. For detailed information, please review the applicable policy and plan documents.


How to EnrollNow is the time to think about your healthcare benefits and choose the plans that are right for you. This enrollment guide gives you the information about all of your benefit choices. Read through the guide and the accompanying materials to explore all of your options. Once you’ve made your decisions, you’ll need to complete the online enrollment process within 31 days of your assignment start date. Please note: open enrollment has different enrollment deadlines.

Enrollment Steps1. When you are ready to complete your online

enrollment, please visit the online enrollment link: https://chgbenefits.hrintouch.com.

2. Your Username will be your First Name, first initial of your Last Name, and the last four digits of your SSN (i.e., JohnD1234).

3. Your Password for your first time logging in will be your SSN with no dashes (i.e., 123456789). Once you are logged in, you will be prompted to change your password.

4. Verify your address and update as needed.

5. Enter your eligible dependents; birth dates and social security numbers are required.

6. Elect or decline each benefit for you and any dependents.

7. Designate beneficiaries for company-paid life insurance and any voluntary benefits.

8. Click on the “Complete Enrollment” button at the bottom of the screen.

Please note: There are three benefits that are not supported by the enrollment system: 401(k), Pet Insurance, and Short-Term Disability. To enroll in the 401(k) program, you must contact Fidelity directly at www.401k.com. If you are interested in pet insurance, please contact MetLife at 800.438.6388. You may enroll in short-term disability by calling Allstate Workplace Products at 877.282.0808.

Eligibility for Healthcare BenefitsYou are eligible to participate in this benefits program if you are a full-time or part-time employee. Your coverage is effective the day you start your assignment. You must complete and submit your enrollment elections to the benefits team within 31 days of the start date of your assignment.

Important: In order to ensure that you have benefits coverage on your first day of assignment, all requested payroll documents must be completed and returned to the Weatherby Healthcare payroll team no later than five days prior to your start date. In addition, you must visit the online enrollment system to enroll and finalize your benefits elections. If your payroll documents are not received five days prior to your assignment start date and you have not finalized your benefits online, we are unable to guarantee that you will have first-day benefits.

Step 1: Complete and return your payroll documents to the Weatherby Healthcare payroll team.

Step 2: You will receive notification from the benefits team that you are eligible to enroll.

Step 3: Complete your elections and finalize your benefits in the enrollment system no later than three days prior to your assignment start date.

Coverage will end on the last day you actively worked on assignment. If a new assignment is started within 31 days, your coverage will remain in effect and you will be charged any missed premiums on your first paycheck after you return.

Covering DependentsIf you enroll in coverage, you may also cover your eligible dependents:

• Your legal spouse

• Your registered domestic partner and any domestic partner children

• Your children up to the age of 26

• Your dependent children, over the age of 26, who are totally disabled and unable to sustain employment because of physical or mental ailment


Which Plan Is Right for Me?Choosing a medical plan can be a hard decision. We encourage you to choose the plan that best fits your and your family’s health and financial needs.

Both the Choice Care and the Select Care plans are major medical plans that have a standard deductible followed by a percentage paid by the plan once the deductible is met. Both plans include Teladoc at no additional cost. Teladoc is a 24/7 physician consultation service that may prescribe medication if necessary to you or your dependents.

The Value Care plan is a high deductible plan that is HSA (Healthcare Spending Account) compliant. This plan was designed to protect you against catastrophic healthcare events, or for those who would like to pair this with your own HSA at a separate banking institution. Keep in mind that until the deductible is met, you will pay the full cost for services (excluding preventive care), including prescriptions.

What If I Am Eligible for Medicare?If you are over age 65 and eligible for Medicare, as long as you are actively working your coverage is considered your primary insurance plan.

Using Anthem BCBS: In-Network BenefitsAlthough you have the freedom to choose any provider, you receive the highest level of coverage when you use in-network providers. The Anthem BCBS network is a group of physicians and hospitals that have contracted with your plan to accept discounted rates in order to reduce the effect of rising healthcare costs while providing you with quality care. By using a doctor who is contracted by Anthem BCBS—an Anthem BCBS preferred provider—you are achieving the in-network coverage level. This allows the plan to achieve valuable savings that are passed on to you by offering lower copays and deductibles for in-network benefits.

Who Is Navitus?Similar to medical claims, when you use in-network providers for pharmacy benefits you receive the highest level of coverage. The Navitus pharmacy network is a large group of national pharmacies that have contracted with your plan to accept discounted rates

in order to reduce the effect of rising healthcare costs. When you visit a pharmacy and present your card, your pharmacist will access the Navitus pharmacy system to apply the correct copays to your prescriptions.

Who Is AmeriBen?AmeriBen is a third-party administrator who processes claims and manages our medical and dental plans. Additionally, we contract with Anthem BCBS to take advantage of its network of doctors and subsequent provider discounts that are offered. By leveraging these business arrangements, we are able to offer you robust plans, while sustaining costs.

How to Locate an In-Network ProviderTo find a provider in your area you may call AmeriBen at 888.268.5963, or check online at www.ameriben.com.

If you live in a rural area that does not have a network provider within 35 miles of your zip code, you may receive care from any provider and receive in-network coverage levels as determined by AmeriBen. Make sure you keep your address updated. This will help to ensure your benefits are paid accurately. To update your address, please call the benefits team at 800.811.1796.

Pre-Certifications/AuthorizationsSome health procedures and services, like hospital admissions, require pre-authorization from the plan administrator (AmeriBen). Failure to obtain pre-certification will result in reduced benefits. To obtain pre-certification or authorization of treatment, call AmeriBen at 800.388.3193.

Your Medical Insurance CardA medical card will be mailed to your address on file as well as emailed to you upon completion of your online enrollment. Eligibility and plan details should be confirmed by your doctor’s office at the time of service by calling AmeriBen at 888.268.5963.

Hawaii AssignmentsIf you are a healthcare provider on assignment in Hawaii, please contact the benefits team at 800.811.1796 for information regarding enrollment in a Hawaii plan.


Medical Plan OptionsWe offer three medical plans: Value Care, Choice Care, and Select Care. Each plan is a generous Preferred Provider Organization (PPO) plan. You always have the freedom to choose any provider; however, when you use in-network providers, you receive the highest level of benefits.

A side-by-side comparison of the plans is detailed on the following pages and allows you to choose the type of coverage that best fits your personal needs. Please review plan details carefully.

The following chart shows a comparison of the coverage levels under each of the three medical plan options.

VALUE CARE CHOICE CARE SELECT CARE

Covered Services In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network

Annual DeductiblePer PersonPer Family

$3,600$7,200

$4,800$14,400

$1,000$3,000

$7,200$14,400

$700$2,100

$2,400$4,800

Coinsurance 70% 50% 70% 50% 80% 60%

Out of Pocket (per Plan year) Per Person Per Family

$6,350$12,700

$20,000$40,000

$6,350$12,700

$20,000$40,000

$6,350$12,700

$10,000$35,000

Routine Wellness 100% 50% after deductible 100% 50% after

deductible 100% 60% after deductible

Teladoc 24/7 Physician Consult Service $45 Not Applicable $0 Not Applicable $0 Not Applicable

Physician Office Visit 100% after deductible

50% after deductible $25 50% after

deductible $25 60% after deductible

Specialist Office Visit 100% after deductible



Inpatient Hospital Services 70% after deductible

50% after deductible

$500 copay then 70% after

deductible


deductible


deductible


deductible

Outpatient Hospital Services Surgery







Nonsurgical Services 70% after deductible






Emergency Room 70% after deductible


$200 copay, then 70% after

deductible


deductible


deductible


deductible

Urgent Care 70% after deductible

50% after deductible $100 copay 50% after

deductible $75 copay 60% after deductible

Home Healthcare(Limited to 100 visits per calendar year)







Hospice Care (Limited to 100 visits per calendar year)







Physical Therapy 70% after deductible






Chiropractor (Limited to 20 visits per calendar year)




Durable Medical Equipment







Mental Health Services Inpatient




deductible


deductible


deductible


deductible

Outpatient Services 70% after deductible







VALUE CARE* CHOICE CARE SELECT CARE

Retail (30-day supply)

Generic $15 after deductible $15 $10

Brand Preferred 25% up to a max of $60 after deductible 25% up to a max of $60 25% up to a max of $50

Brand 50% up to a max of $80 after deductible 50% up to a max of $80 50% up to a max of $70

Specialty/Biotech 50% up to a max of $100 after deductible 50% up to a max of $100 50% up to a max of $90

Mail Order (90-day supply)

Generic $37.50 after deductible $37.50 $25

Brand Preferred 25% up to a max of $150 after deductible 25% up to a max of $150 25% up to a max of $125

Brand 50% up to a max of $250 after deductible 50% up to a max of $250 50% up to a max of $175

Specialty/Biotech N/A (Limited to 30-day Supply)

*For the Value Care plan, the deductible must be met in full prior to prescriptions to be covered as shown above.

Note: The contribution amounts for medical coverage are determined based on your current pay frequency. If you are uncertain of your pay frequency please contact your recruiter or consultant.

Your Contributions for Medical Coverage (per weekly pay period)


Employee $28.00 $58.00 $93.00

Employee + Spouse $87.00 $158.00 $224.00

Employee + Child(ren) $65.00 $136.00 $180.00

Family $102.00 $202.00 $260.00

Your Contributions for Medical Coverage (biweekly pay period)


Employee $56.00 $116.00 $186.00

Employee + Spouse $174.00 $316.00 $448.00

Employee + Child(ren) $130.00 $272.00 $360.00

Family $204.00 $404.00 $520.00


TeladocTeladoc is a physician consultation telephone service that is available 24 hours, seven days a week. This network of board certified primary care physicians is available to diagnose nonemergency medical problems, recommend treatment and, if necessary, prescribe medication. You can reach Teladoc by calling 800.Teladoc (835.2362).

Who Is Eligible to Use Teladoc?All employees and dependents enrolled in a medical plan may use Teladoc.

When Should I Use Teladoc?Call Teladoc whenever you or anyone on your health plan has a nonemergency medical issue:

• When your primary care physician is not available

• With nonemergency-related medical issues, questions, or concerns

• When you want a second opinion

• For refills on short-term prescriptions, limited refills only

• If you are traveling and need medical care

How Do I Use Teladoc?We automatically register employees for the Teladoc service when they sign up for a medical plan. All you have to do is call Teladoc at 800.Teladoc (835.2362) or visit their website at www.teladoc.com.

• Fill out the online medical history, which acts as a medical clipboard for the physician—we recommend that you complete the medical history information as soon as you receive your ID card prior to your first Teladoc consultation

• Receive your welcome kit and card in the mail

• Call Teladoc at 800.Teladoc (835.2362) when you are suffering from a short-term, nonemergency illness at home or on the road

• Receive a call within 40 minutes from a state licensed, board certified physician who will provide you with treatment and prescriptions if needed

What Does Teladoc Cost?Using Teladoc may be a more cost-effective alternative to going to an urgent care facility. There is no cost to you or your dependents if you are enrolled in either the Choice Care or Select Care plans. There is a $45 copay if you are enrolled in the Value Care plan.


Dental PlanDental health is an important part of your overall health. To help you get the care you need, we offer comprehensive dental coverage. You may enroll in dental coverage without electing medical coverage.

The following chart shows what the plan will pay for various services, up to the usual and customary amount. This is the amount that providers in a specified geographic area typically charge for an indicated procedure. You are always responsible for any charges above the usual and customary amounts; however, if you use a contracted Aetna dental provider, there will be no charges above usual and customary amount.

COVERED SERVICES COVERAGE LEVEL

Annual Deductible Individual Family

$50$150

Annual Benefit Maximum (per person) $1,500

Class I—Preventive Care (i.e., checkups, cleanings) 100%—deductible waived

Class II—Basic Restorative (i.e., fillings, extractions) 80% after deductible

Class III—Major Restorative (i.e., crown, bridge work, root canal) 50% after deductible

Your Contributions for Dental Coverage (per weekly pay period)

COVERAGE DENTAL ONLY

Employee $2.69

Employee + Spouse $11.62

Employee + Child(ren) $7.95

Family $15.37

A dental card will be mailed to your address on file as well as emailed to you upon completion of your online enrollment. Eligibility and plan details should be confirmed by your dentist’s office at the time of your service by calling AmeriBen at 888.268.5963.


Vision PlanConsider choosing voluntary vision coverage through EyeMed Vision Care. You pay the full cost for yourself and any dependents you enroll for this coverage.

VISION CARE SERVICES IN-NETWORK OUT-OF-NETWORK

Vision exam $5 copay $30 allowance

Frames $100 allowance, 20% off balance over $100 $45 allowance

Standard Plastic LensesSingle Vision Bifocal Trifocal LenticularBasic Progressive

$5 copay$5 copay$5 copay$5 copay

$70 copay

100%, up to $25100%, up to $40100%, up to $55100%, up to $55100%, up to $40

Lens OptionsUV CoatingTint (Solid and Gradient) Standard Scratch-Resistance Standard Polycarbonate Standard Anti-Reflective Coating Other Add-Ons and Services

$15 copay$15 copay$0 copay

$40 copay$45 copay

20% off retail price

Not covered Not covered

Up to $5Not covered Not covered Not covered

VISION CARE SERVICES IN-NETWORK OUT-OF-NETWORK

Contact Lenses (allowance covers materials only)Medically NecessaryElective

– Conventional– Disposable

100%100%, up to $115

$0 copay/$115 allowance$0 copay/$115 allowance

100%, up to $200100%, up to $100

FrequencyExaminationLenses or Contact LensesFrames

Other ServicesCorrective Vision Services (e.g., laser surgery)Second Pair of Glasses

Once every 12 months Once every 12 months Once every 24 months

15% discount or 5% off of provider’s promotional offer

Approximately 15-50% discount

Once every 12 months Once every 12 months Once every 24 months

Your Contributions for Vision Coverage (per weekly pay period)

COVERAGE EYEMED VISION CARE

Employee $1.65



Family $4.82


Traditional and Roth 401(k) Plans401(k) plans are administered through Fidelity Investments. If you have questions, or would like to enroll, please call Fidelity Investments at 800.835.5097 or visit Fidelity online at www.401k.com.

The Traditional 401(k) plan is designed to help you accumulate retirement income through tax-deferred savings, while conversely, the Roth 401(k) allows for retirement savings on a posttax basis. You may choose to participate in either one or both. Through investment earnings and/or compounded interest, your account can build tax-free dollars until you make a withdrawal.

The 401(k) plan is available to all employees on the first day of employment, once all appropriate payroll documentation has been completed. The plan allows you the opportunity to contribute 1-60 percent of your pay. Many benefits are associated with your participation in the plan.

The Traditional 401(k) plan contributions will automatically be deducted from your pay as a pretax deferral. You don’t have to pay federal or state taxes on the deferred amount until you withdraw money from your plan. The Roth 401(k) plan contributions will be deducted posttax.

Employer matching—We provide matching contributions, the percentage of which is determined annually. Currently, the match is 50 percent of your contribution, up to a maximum of the first 6 percent contributed, and paid per pay period. This means that the company will pay to your account 50 percent of the amount you defer into your 401(k) account, not to exceed the first 6 percent you defer.

Investment flexibility—All contributions to your account are invested with the potential that earnings will make your account grow more quickly. You have multiple accounts available for your investment election. All earnings are automatically reinvested in the applicable funds on a tax-free basis. This reinvesting (called “tax-free compounding”) will help your account grow more quickly than it would if you weren’t participating in this type of plan. You decide how you want your savings invested. Through Fidelity

Investments, you have many accounts from which to choose. Each account has different investment goals. You decide how to use them to meet your own goals. Please research your investment options by using the tools available at www.401k.com.

Loans—Loans are available to plan participants for up to 50 percent of their vested account balance for any purpose, and the minimum loan amount is $1,000 and all loans are subject to current interest rates. A participant may only have one loan outstanding at any time and may only make one loan application each plan year. Contact the benefits team for definitions and limitations.

Account statements—All 401(k) plan participants receive a quarterly individual statement showing all contributions to their account in the plan and the investment earnings on those contributions. Account statements may also be accessed at any time by calling Fidelity Investments at 800.835.5097 or visit www.401k.com.

Making changes—Making changes to the plan is easy. Name, address, and beneficiary changes can be made at any time by visiting www.401k.com. The benefits team can provide you with more detailed information about the plan with the exception of financial advice. If you need financial advice, you are encouraged to see your independent tax planner.

Vesting—Your savings contributions and their investment earnings always belong to you 100 percent. The employer-matching contributions and their investment earnings become yours based on the following vesting schedule:

EMPLOYER-MATCH CONTRIBUTION VESTING SCHEDULE

Less than one year 0%

Year 1 20%

Year 2 40%

Year 3 60%

Year 4 80%

Year 5 100%


Allstate Benefits Short-Term Disability InsuranceAllstate Benefits Short-Term Disability Insurance can provide you with supplemental income while you’re disabled and can’t work. It can help you take care of monthly bills, provide for yourself and your family, preserve your hard-earned savings, and manage the extra costs of your injury or illness.

Group Voluntary Disability CoverageDisability coverage provides a monthly cash benefit if you suffer a sickness or off-the-job injury that leaves you totally or partially disabled. This benefit can be up to 60 percent of your income, and can be used to cover bills, food, or other necessities for as long as your disability lasts, up to your benefit period limitations.

Allstate Benefits Disability Coverage

Guaranteed issue for up to $5,000 monthly benefit (up to $6,000 monthly benefit available) at initial enrollment:

• Benefits are paid directly to you unless assigned to someone else

• Coverage is portable and may be continued

Available Plans and Monthly Premium Calculation* 30-day elimination period and six-month benefit period

ISSUE AGE RATE PER $100

18-49 $2.35

50-59 $3.55

60-64 $4.11

65-69 $4.37

70+ $5.09

90-day elimination period and 12-month benefit period

ISSUE AGE RATE PER $100

18-49 $1.97

50-59 $3.17

60-64 $4.09

65-69 $4.33

70+ $5.15

To obtain more information and enroll in this benefit, please call Allstate Workplace Products at 877.282.0808.

*For a complete description of benefits, please refer to brochure of plan design or certificate of coverage. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a wholly owned subsidiary of The Allstate Corporation.


If you enroll in critical illness coverage during the initial enrollment period or as a new employee within 31 days of eligibility, you will not be required to submit evidence of insurability. If, however, you choose to enroll at a later time in conjunction with the annual open enrollment period, evidence of insurability will apply and your application for critical illness protection could be declined for coverage.

If you have questions or would like more information, please call Allstate Workplace Products at 877.282.0808. For a complete description of benefits, please refer to the brochure of plan design or certificate of coverage. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (home office, Jacksonville, FL), a wholly owned subsidiary of The Allstate Corporation.

$10,000 BENEFIT—NON-TOBACCO USER

Age Employee Employee + Spouse Employee + Child(ren) Family

18-35 $2.89 $4.86 $2.89 $4.86

36-50 $5.45 $8.70 $5.45 $8.70

51-60 $10.27 $15.93 $10.27 $15.93

61-63 $15.58 $23.89 $15.58 $23.89

64+ $22.74 $34.62 $22.74 $34.62

$10,000 BENEFIT—TOBACCO USER

Age Employee Employee + Spouse Employee + Child(ren) Family

18-35 $3.95 $6.45 $3.95 $6.45

36-50 $8.38 $13.03 $8.38 $13.03

51-60 $16.44 $25.17 $16.44 $25.17

61-63 $23.45 $35.70 $23.45 $35.70

64+ $34.57 $52.38 $34.57 $52.38

Allstate Critical Illness InsuranceAllstate Critical Illness Insurance provides a lump-sum benefit to help you cover the out-of-pocket expenses associated with a critical illness diagnosis.

• Coverage is guaranteed issue—no evidence of insurability required at initial enrollment (enrolling after the enrollment period requires evidence of insurability)

• Benefits are paid directly to you

• Coverage supplements your existing medical benefits


• Covered dependents receive 50 percent of the basic-benefit amount shown in your employer-selected plan, and 100 percent of the Wellness benefit

• Coverage for diagnosis of: heart attack, stroke, coronary artery bypass surgery, major organ transplant, end-stage renal failure, invasive cancer, carcinoma in situ, Alzheimer’s disease, advanced Parkinson’s disease, benign brain tumor, coma, complete blindness, complete loss of hearing, paralysis, and occupational HIV

• Wellness benefit pays $100 per covered person, per year, for completing a covered wellness exam

Your Contributions for Allstate Critical Illness Insurance (per weekly pay period)


Allstate Accident Insurance

Allstate Accident Insurance can provide you with a cushion to help cover expenses and living costs when you get hurt unexpectedly. While health insurance covers medical expenses, it doesn’t usually cover costs that can arise with an injury. With accident insurance, the benefits you receive can help cover extra expenses.

• Coverage is guaranteed issue but will not cover claims for injuries sustained six months prior to enrollment

• Benefits are paid directly to you

• Benefits are paid in addition to any other coverage


• Employee or family coverage is available

• Accidental death and dismemberment coverage up to $40,000

• Dislocation and fracture benefits up to $4,000

• Medical expenses up to $500

• Initial hospital confinement of $1,000 and daily hospital confinement of $200

• Physical therapy of $30/day for up to six treatments per accident

• Outpatient physician’s treatment pays $50 when you are treated by a physician outside the hospital for any reason. Limited to two visits per person per year

Your Contributions for Allstate Accident Insurance (per weekly pay period)

COVERAGE ACCIDENT INSURANCE

Employee $4.24



Family $10.63

Benefits are not paid on losses occurring during the first six months of coverage if caused by a preexisting condition. A preexisting condition is a disease or physical condition for which symptoms existed within the six-month period prior to the effective date, or for which advice or treatment was recommended or received from a member of the medical profession within the six-month period prior to the effective date. A preexisting condition can exist even though a diagnosis has not yet been made.

If you have questions or would like more information, please call Allstate Workplace Products at 877.282.0808. For a complete description of benefits, please refer to the brochure of plan design or certificate of coverage. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (home office, Jacksonville, FL), a wholly owned subsidiary of The Allstate Corporation.


Company-Paid Life and Accidental Death and Dismemberment (AD&D)As an employee, you will be provided with $25,000 of Basic Life and Accidental Death and Dismemberment (AD&D) insurance at no cost to you. These company-paid benefits provide protection for you and your family in the case of a disabling injury or death.

Employee Assistance ProgramThe Employee Assistance Program (EAP) is a free, confidential benefit that is offered to all of our healthcare providers and their families regardless of enrollment in the medical plan. This service is available to assist you with individual, family, and professional needs, and to help you balance your work with your personal life. All family members in your household qualify for this benefit. If you would like to utilize the EAP plan, please call Business Psychology Associates (BPA) at 800.726.0003.

The EAP plan offers confidential assistance for financial, legal, and behavioral health issues. The services provided include:

• Emergency mental health evaluation and referral

• Three face-to-face visits with a mental health counselor per year per incident (per issue / per year) for both employees and dependents

• Referrals to community resources

• Free, 30-minute consultation with an attorney per year; if additional legal services are required, a 25 percent discount will be provided for the same attorney

• Financial assistance including debt counseling, identity theft assistance, wills, etc.

The EAP plan can assist you with concerns involving:

• Drugs and alcohol

• Parenting

• Emotional

• Job related

• Marital

• Anger management

• Behavioral

• Adjusting to change

• Stress

Pet InsuranceSave money on your pets’ medical bills with veterinary pet insurance.

This veterinary pet insurance policy covers medical problems and conditions related to accidental injuries, poisonings, and illnesses including cancer.

Coverage helps pay for:

• Diagnostic tests

• X-rays

• Prescriptions

• Hospitalization

• Office visits

• Lab fees

• Treatments

• Surgeries

With veterinary pet insurance you can:

• Visit any licensed veterinarian worldwide

• Include Pet Wellcare Protection coverage to maintain your pets’ good health

• Enjoy quick claim reimbursement turnaround time

• Save money with a 5 percent discount off the base premium of either a Superior Plan or Standard Plan policy

If you have any questions about pet insurance, please contact MetLife at 800.438.6388. You can also visit MetLife’s webpage at www.metlife.com/mybenefits.


Making Benefit ChangesCertain events in your life may impact your benefit needs. If these events qualify as a change of life event and you are an active employee on assignment, you may be allowed to make changes to your benefits. Changes to your benefits must be consistent with the change of life event. For example, if you have a child, or adopt a child, you may add him or her to your plan, but you can’t change to a different medical plan. You also have a responsibility to meet the timeline and documentation requirements that are written and governed by the IRS for the following life events:

• Change in legal marital status—marriage, divorce, legal separation, etc.

• Change in number of dependents (as defined by Section 125 of the IRS Code)—birth, adoption, placement for adoption, etc.

• Change in employment status—termination or commencement of employment by the employee’s spouse or dependent

• Change in dependent child(ren)’s eligibility in state or federal health insurance programs

The requirements for change of life events are governed by the IRS and detailed in the plan document. If you and/or your family members experience any of the change of life events listed above, documentation to support the change must be received by the benefits team within 31 days of the event. No changes can be made to your benefits until this documentation is received. You will be responsible for paying all premium costs for your coverage from the date of change. If you have any questions about your eligibility, please contact the benefits team at 800.811.1796.

Workers’ CompensationAs an employee, you are entitled to certain benefits under the corporate Workers’ Compensation policy. For your own protection and to ensure that you will be considered for all eligible benefits, all injuries sustained on the job must be reported by calling the benefits team at 800.811.1796 within 24 business hours.

All incidents must be documented. You must call whether or not you seek medical attention, or lose any time from work. If you do not report an injury in a timely manner, you may be denied certain benefits.


Contact List

If you have specific questions about your benefits coverage, please contact the benefits team at 800.811.1796. If you have specific questions about a particular plan, please contact the correct vendor shown in the table below.

PLAN VENDOR CONTACT

Medical AmeriBen (claims administrator) Anthem BCBS PPO (preferred provider network)

888.268.5963 www.AmeriBen.com

Prescription Drug Navitus Health Solutions 866.333.2757 www.navitus.com

Dental AmeriBen (claims administrator) 888.268.5963 www.AmeriBen.com

Vision EyeMed Vision Care 866.939.3633 www.eyemedvisioncare.com

Traditional and Roth 401(k) Fidelity Investments 800.835.5097 www.401k.com

Allstate Workplace Products:Short-Term Disability InsuranceAccident InsuranceCritical Illness Insurance

EnrollmentPolicy QuestionsBenefit Claims

877.282.0808 800.521.3535 800.348.4489 www.allstateatwork.com

Physician Consultation Service Teladoc 800.Teladoc (835.2362)

Employee Assistance Program (EAP) Business Psychology Associates 800.726.0003 www.bpahealth.com

Pet Insurance MetLife 800.438.6388

Workers’ Compensation Benefits Team 800.811.1796

This guide provides an overview of the benefits provided under the CHG Healthcare Services, Inc., Weatherby Healthcare benefit plans. The information presented here does not include important definitions or provide all of the exclusions outlined in the documents that govern these plans. Therefore, this guide does not replace the legal plan documents and, in case of conflict, the information contained in the legal plan documents will determine your benefits.

© CHG Healthcare Services 2016/05 DIV-026 WBY

Date post:	10-Feb-2017
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Benefits Enrollment Guide 2016

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