Turner 2016 SPD Medical Plan (1) - my-hronline.com

1 Turner Benefits 2016 19 Medical plan Highlights Good health is priceless but sometimes maintaining or regaining your health can be expensive. That is why Turner offers a variety of Medical coverage options. You can choose the option that best meets your needs and your situation. plan Overview Who is eligible? You and your eligible dependents, if you are a regular, salaried Turner employee who is regularly scheduled to work at least 20 hours per week. When are you eligible? The first of the month following or coincident with your date of hire.

2 Do you need to enroll? Yes When do you need to enroll? You have the opportunity to enroll when you are hired and again each year during Open Enrollment. Under certain circumstances, you may also enroll, change, or end your participation following a qualified change in status or if you qualify for special enrollment. What coverage categories are available? Employee Employee + Spouse Employee + Child(ren) Employee + Family Who pays the cost? You and Turner share the cost of coverage. Your share of the cost is generally deducted from your paycheck on a before-tax basis.

3 Your share of the cost of coverage for a Registered Domestic Partner is deducted on an after-tax basis and Turner s contribution towards the cost of your Registered Domestic Partner s coverage will be considered taxable income to you. United HealthCare (UHC) is the Health Claims Administrator. Please refer to the Administrative Information section of this Summary plan Description for additional information on claims procedures, plan administration, your rights under the plan , and Turner s rights under the plan , including the ability to amend or terminate the plan or any component of it at any time in accordance with applicable law and the discretion to interpret all plan documents and make factual determinations.

4 If there is a conflict between this Summary plan Description and the official plan documents, the plan documents will govern. The Glossary contains several definitions for terms used throughout this section of the Summary plan Description. Your Choices Coverage Categories If you enroll in the Turner Medical Program, you may choose coverage for: You (Employee) You and your spouse (Employee + Spouse) You and one or more children (Employee + Child(ren)) or You and your family (Employee + Family) For more information about enrollment and a complete description of eligible dependents, refer to Your Benefit Program, beginning on page 1.

5 Turner Benefits 2016 20 plan Options The Turner Medical Program offers comprehensive Medical coverage that provides benefits for Medical services, hospital expenses, and prescription drugs. plan 1, plan 2, and plan 3 give you access to the same network of doctors and health care providers. Depending on where you live, you may also be eligible to choose Medical coverage under a Health Maintenance Organization (HMO). plan 1 and plan 2 are Preferred Provider Organization (PPO) Options. A PPO is a pre-screened network of providers physicians, hospitals, labs, and other Medical professionals who have agreed to provide services at lower, pre-negotiated rates as an incentive to be selected by Turner employees.

6 You can use any provider you choose, but using in-network providers gives you access to contractually agreed upon pricing and, typically, lower overall cost to you than using out-of-network providers. plan 3 is a High Deductible Health plan (HDHP) with Health Reimbursement Account (HRA). plan 3 gives you access to the same network of doctors and health care providers as plan 1 and plan 2, but has higher deductibles and out-of-pocket costs than plan 1 or plan 2. However, plan 3 includes a Health Reimbursement Account (HRA) to help you pay for up front Medical expenses such as deductibles and office visit copays.

7 Health Maintenance Organization (HMO) Option (not offered in all locations). HMOs provide Medical care through a network of physicians and hospitals. To receive benefits, you must use only in network providers and coordinate all your care through your Primary Care Physician (PCP). Your enrollment worksheet will indicate whether an HMO is available in your area. No Coverage. You may decline coverage by choosing the no coverage option. If you enroll in any of these options and Turner transfers you to another business unit where that option is not available, you will be able to enroll in another option without providing proof of insurability.

8 You will have 30 days to choose another option. If you do not make your new election within 30 days, you will have no coverage. Turner Benefits 2016 21 The Benefits The table below summarizes the benefits offered under the plan 1, plan 2, and plan 3 options. If you are at a location that offers an HMO, your local Human Resources Representative can provide you with a summary of benefits. plan Comparison plan 1 plan 2 plan 3 Benefit In-Network Provider Out-of-Network Provider In-Network Provider Out-of-Network Provider In Network Provider Out-of-Network Provider Bi-weekly Cost $ $ $ Employee Only Employee + Spouse $ $ $ Employee + Child$ $ $ $ Employee + Family $ $ Annual Deductible $250/person $750/family $500/person $1,500/family None $500/person $1,500/family $1,000/person $3,000/family $2,000/person $6.

9 000/family Turner s Contribution to HRA Not Applicable Not Applicable $500 Employee $1,000 Employee + Spouse $1,000 Employee + Child(ren) $1,500 Employee + Family Annual Out-of Pocket Maximum $2,500/person $5,000/family $5,000/person1 $10,000/family1 $1,000/person $2,000/family $5,000/person1 $10,000/family1 $3,000/person1 $6,000/family1 $4,000/person1 $12,000/family1 Lifetime Benefit Maximum Unlimited Unlimited Unlimited Hospital Care Inpatient Hospital Charges2 90% after deductible 70% of Eligible Expenses after deductible 100% 70% of Eligible Expenses after deductible 90% after deductible 70% of Eligible Expenses after deductible Outpatient Charges 90% after deductible 70% of Eligible Expenses after deductible 100% 70% of Eligible Expenses after deductible 90% after deductible 70% of Eligible Expenses after deductible Emergency Care Ambulance3 90% no copay 90% no copay 100% no copay

10 100% no deductible 90% after deductible 90% of Eligible Expenses after deductible Emergency Room and Physician3 $200 copay; waived if admitted $200 copay; waived if admitted $200 copay; waived if admitted $200 copay; waived if admitted 90% after deductible 90% of Eligible Expenses after deductible Turner Benefits 2016 22 plan 1 plan 2 plan 3 Benefit In-Network Provider Out-of-Network Provider In-Network Provider Out-of-Network Provider In Network Provider Out-of-Network Provider Office Visit for Diagnosis, Care and Consultations Non-specialist: $15 copay4 Specialist: $25 copay4 70% of Eligible Expenses after deductible Non-specialist: $15 copay4 Specialist: $25 copay4 70% of Eligible Expenses after deductible Non-specialist: $20 copay.