BUSCO INC. dba Arrow Stage Lines, Black Hills Stage Lines Allied Tour and Travel Arrow National Ground Logistics

2016 MANDATORY OPEN ENROLLMENT BENEFITS GUIDE

Open Enrollment begins November 13, 2015 All changes must be completed by November 27, 2015 Changes effective January 1, 2016

Welcome to Benefit Enrollment for the 2016 Plan Year IMPORTANT: THE PLANS YOU CURRENTLY HAVE WILL NOT BE CARRIED INTO 2016. YOU MUST RE-ENROLL IN THE MEDICAL PLANS. In order to comply with Affordable Care Act requirements we are having a mandatory Open Enrollment for the 2016 plan year. You must go to www.buscobenefits.com to enroll in coverage for 2016. If you do not need medical benefits for 2016 you still must go online to waive coverage. We must be able to provide waiver records if audited. The medical plans you currently have will not be carried into 2016. Your voluntary products will be carried into 2016. Open Enrollment is your opportunity to review your benefit options and re-evaluate your medical needs. It is your chance to change plans, add or remove dependents, or enroll in the voluntary products offered. This is a good time to update your beneficiaries and any address or phone number changes. Arrow Stage Lines continues to offer two medical plan choices with UnitedHealthcare (UHC). There are no core benefit changes being made to our Co-Pay plan. In order to keep the costs down it will remain a Flex Point Plan. Under the Flex Point plan co-pays apply to the first 4 office visits per covered member per year. The consumer driven Qualified High Deductible Health plan with a Health Savings Account offers lower premiums with the opportunity to save for future health expenses. United Healthcare is offering a Telehealth program, or Virtual Visits. Telehealth uses a variety of technologies to deliver virtual health services. Plan participants can select from in network providers then speak with a doctor using audio and video technology to obtain a diagnosis and prescriptions for minor medical needs, including allergies, sinus infections, and other conditions. If you have the traditional Co-Pay plan, a $25.00 copay will apply. For the Qualified High Deductible Health Plan deductible and co-insurance applies. Please plan on attending a webinar to learn the details of this program. This could save you time and money for some common medical treatments. Please take time to read and understand your benefit options. This guide is intended to assist new hires, newly benefiteligible employees, and current employees go through the enrollment process and make informed decisions about you and your family’s health coverage. You must go to www.buscobenefits.com and either enroll or waive coverage. You must re-enroll to have coverage for 2016. Any changes after open enrollment will require a qualifying life event such as changes in marital status, birth or adoption of a child, spouse’s work status or coverage, etc.

2016 Contribution Maximums Health Savings Accounts: The IRS maximum annual contribution amount to your health savings accounts (HSA) with a Qualified High Deductible Health Plan for 2016 is:

Individual Coverage: $3,350.00

Family Coverage:

$6,750.00

There is a maximum annual catch up contribution of $1,000.00 if you are 55 or older. Busco, Inc. has set the minimum allowable payroll deduction for your HSA to $10.00 per pay period. If your annual election was less than $10.00 per pay period please contact payroll to increase the amount. Your HSA payroll deduction will not begin until you have opened your savings account with Optum Financial Bank.

Flexible Spending Accounts: Health Care Spending Account: $2,550

Dependent Day Care Spending Account: $5,000

401K Plan: The annual elective deferral (contribution) limit for employees who participate in 401(k) remains unchanged at $18,000.00. There is an additional $6,000.00 catch-up contribution for participants 50 years and older.

Important: This guide provides a general summary of basic benefit plan provisions. It is not a substitute for the official certificates of coverage. If there are any discrepancies between this guide and the official plan documents, the plan documents govern. Please refer to the official plan documents for exact benefits, exclusions, and limitations.

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KEY DATES OPEN ENROLLMENT Enrollment Begins:

November 13, 2015 8:00 am CST Enrollment Ends:

November 27, 2015 12:00 am CST Benefit Elections Effective:

January 1, 2016

CHECKLIST:  Review Open Enrollment Packet  Go to www.Buscobenefits.com to

   

 

review online benefit summaries and videos Log into enrollment section of Busco Benefits site Update your beneficiary information Make benefit selections or waive Fill out and return your evidence of insurability if you elect additional life insurance Print your benefit selection summary for your records View your January pay stub to ensure all premium deductions are accurate

Note:

You must make new elections online or you will not have coverage in 2016. If you do not have access to a computer you can call 1-877-282-0808.

TABLE OF CONTENTS Welcome Letter

2

2016-Summary of Benefit Plans

4

Virtual Visits -Telehealth

5

Webinar Dates and Times

6

Choosing Health Coverage

7

Cost of Coverage

8

Flexible Spending

9

Plan Year Changes

10

Insurance Terms

11

401K Enrollment and Instructions

12 & 13

Optum Financial Health Savings Account

14

Finding a Provider

15

Pharmacy Benefits

16

Know Your Benefits - Generic Medications

17

Online Resources

18

Employee Assistance Program

19

Dental Plan

20 & 21

Vision Plan

22 & 23

Life Insurance

24

Voluntary Plans

25 & 26

How to Enroll

27

Contact Information

28

FUTURE EVENTS Be on the lookout for news regarding the Biometric health screenings in 2016. Dates are not confirmed at this time. All health participants may participate in UHC health screenings and have a chance to earn from $75.00 to $350.00 from United Healthcare. In order to qualify for $125.00 to be deposited into your HSA account, you and your spouse (if covered) must complete the Biometric screenings this year. You may participate at your office, if available, or at your doctor’s office. Spouses will need to do their screening at their Doctors office. Watch for more details regarding this Health Screening event. 3

Health Insurance Benefits Comparison — The plans’ features below only illustrate a brief overview of the benefits. Please refer to the benefit plan summaries on www.buscobenefits.com for additional details regarding plan designs and benefits.

2016 Co-Pay Plan ($2500 Deductible FLEXPOINT Plan)

2016 Qualified High Deductible Health Plan w/HSA $2600 Deductible

Individual - $2500 in network/$5000 out of network

Individual - $2600 in network/$5000 out of network

Family - $5,000 in network/$10,000 out of network

Family - $5,200 in network/$10,000 out of

Lifetime Maximum

Unlimited

Unlimited

Coinsurance

After deductible has been met the plan pays 80% in network/50% out of network

Plan pays 80% in network/50% out of network after deductible

Annual Deductible

Office Services-(CoPay Plan - the # of visits for which a copay will apply are combined with any Specialist Physician Office Visits)

$30 co-pay per visit for the first 4 visits in a year for Primary Care Physician and Premium Designated Specialist; $60 co-pay for all other Specialists, per visit for the first 4 visits in a year; 80% after deductible has been met.

Subject to deductible and coinsurance - 80% after deductible has been met

$30 co-pay for children.

Preventive/Routine

Covered at 100% - No co-pay/deductible/ coinsurance

Covered at 100% - No co-pay/deductible/ coinsurance

Virtual Visits-through a Designated Virtual Visit Network Provider

100% after you pay a $25 Co-pay per visit. Deductible does not apply. Non-network benefits are not available

80% after deductible has been met per visit. Non-network benefits are not available.

Inpatient Hospital

After deductible has been met the plan pays 80% in network/50% out of network

Plan pays 80% in network/50% out of network after deductible

Outpatient Surgery

After deductible has been met the plan pays 80% in network/50% out of network

Plan pays 80% in network/50% out of network after deductible

Emergency Room

$250 co-pay, then 80% coinsurance

Subject to deductible and coinsurance - 80% after deductible has been met

Urgent Care

100% after you pay a $100 co-pay per visit for the first 4 visits in a year; 80% after deductible has been met

Subject to deductible and coinsurance - 80% after deductible has been met

To age 26

To age 26

Co-pays - depending on drug tier

No co-pays available - take advantage of lower tier drugs, generics, and network pharmacies.

Center Dependent Coverage Prescriptions

4

5

Make an Informed Decision Plan on attending one of the webinars to learn more about the medical plans. This is your opportunity to obtain more detailed information about your benefits and make informed decisions about your medical choices. Representatives from Silverstone Group, our insurance broker, will be on hand to answer any questions and address any concerns you may have. We strongly encourage you and/or your spouse to participate. You can access the webinar from home or join a group from your location.

DATE

TIME

November 10th

10:30 am C.S.T.

November 10th

3:00 pm C.S.T.

November 11th

3:00 pm C.S.T.

November 12th

10:30 am C.S.T.

WEBINAR INSTRUCTIONS Please try to log in to the meeting about 10 minutes prior to the start time. To access the meetings please go to:

Join the meeting: https://join.me/ArrowMeeting To call in: By phone: United States - Los Angeles, CA +1.213.226.1066 Access Code 934-594-401#

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CHOOSING HEALTH COVERAGE What Plan is Best for You? Qualified High Deductible Health Plan with HSA versus traditional Co-Pay Plan. Choosing a health plan can be a complex process but planning can make a big difference. Your choice will impact your finances and your family’s health. In most cases your decisions will last a full plan year, so do your homework and make informed decisions. Take advantage of the various resources online at www.buscobenefits.com and at myuhc.com to learn more about your benefit options. Comparing the Health Savings Plan to the traditional Co-Pay plan can be difficult. Consider the premium costs, the co-pays, the deductibles, and the maximum out-of-pocket. What are your health needs? Are you planning on starting a family? How comprehensive do you want your coverage to be? Do you have a chronic health condition or need costly prescription medications?  Health Savings Plans are available at a lower premium because medical costs can be controlled by your involvement in your health decisions.  If you are generally healthy and do not have several expensive prescriptions a Health Savings Plan may be the right choice for you.  If you have chronic conditions but know what your health expenses are you may be able to plan for those costs and take advantage of the tax and premium savings offered by a Health Savings Plan.  Both plans cover preventive care at 100%.  Compare the cost of coverage for the 2016 premium rates and consider investing your premium cost savings into your personal Health Savings Account (HSA). The HSA is an excellent way to fund your medical expenses with tax free dollars via payroll deductions. You may change the amount of your contributions on a monthly basis according to your health needs.  The HSA is not a “use it or lose it” account like the flexible spending account. The money in your HSA account rolls over from year to year and is portable. You will have a debit Mastercard for easy access to your HSA funds. Throughout the year you play a critical role in controlling both healthcare quality and costs through decisions made each time you use health care services. Every dollar spent on health care today impacts future claim costs and premiums. You can make a difference by learning as much as you can about your health and making informed decisions about the services you receive. This includes: learning more about how to avoid health issues through prevention and wellness, selecting doctors and hospitals that participate in the UnitedHealthcare network and taking advantage of generic and mail-order drugs whenever possible.

Call UHC before your procedure Contact UnitedHealthcare to confirm treatment has been authorized any time your doctor recommends you for follow-up treatment including inpatient and outpatient hospitalizations, advanced radiology, such as MRI’s and CAT scans, and rehabilitation services, such as physical therapy. Please see Summary Plan Document for details.

Understanding health care costs before you see the doctor, remember the 4 P’s PROCEDURE Learn and compare treatment options PROVIDER

Select a provider

PRICE

Estimate and compare costs between providers

PLACE

Locate network providers in your area 7

COST OF COVERAGE What will it cost me? The premiums for 2016 have increased. All premiums are pre-tax. See the tables below for the monthly and semi-monthly premiums.

Qualified High Deductible Health Plan with HSA Health Savings Plan

MONTHLY PREMIUMS

PER PAY PERIOD PREMIUMS

EMPLOYEE ONLY

$110.58

$55.29

EMPLOYEE & SPOUSE

$325.00

$162.50

EMPLOYEE & CHILD(REN)

$259.68

$129.84

EMPLOYEE & FAMILY

$421.35

$210.68

CO-PAY PLAN FLEX POINT

MONTHLY PREMIUMS

PER PAY PERIOD PREMIUMS

EMPLOYEE ONLY

$217.43

$108.72

EMPLOYEE & SPOUSE

$528.93

$264.47

EMPLOYEE & CHILD(REN)

$422.61

$211.31

EMPLOYEE & FAMILY

$685.74

$342.87

Every effort is made to ensure the premiums are deducted accurately and timely, but please review your pay stub to ensure that the choices you made are recorded correctly. 8

Flexible Spending Accounts (FSA)

Flexible Spending Accounts (FSA) offer you a way to save money on your health care and/or dependent care (daycare) expenses. The money you elect to contribute to a spending account is deducted pre-tax from your paycheck in equal amounts 24 times per year.

Your Dependent Care and your Medical Flexible Spending Accounts will terminate on 12-31-15 unless you go online and declare a new election for 2016. The deadline to submit claims for expenses incurred in 2015 is March 31, 2016. Be aware that if you contribute to a Health Savings Account, and still want a flexible spending account, only vision and dental expenses are reimbursable. If you are 65 years or older, or you are enrolled in the Co-Pay Plan, you will have a full flexible spending account.

The maximum elections for 2016 are as follows: Health Care Spending Account: $2,550 Dependent Day Care Spending Account: $5,000 Plan your elections carefully, because if you do not use it, you lose it!

Important Facts about FSA’s

Dependent Care FSA (Daycare)



You can participate in the Medical Flexible Spending Account, the Dependent Care FSA, or both.



You can only enroll during your first 30 days of eligible employment or during Open Enrollment.



You cannot enroll or change your FSA election midyear unless you experience a qualifying life event that affects your FSA Contribution.



You must re-elect your FSA contribution every year during Open Enrollment.

The Dependent Care FSA can be established to help you pay for certain expenses for dependents who live with you. This usually means child-care for children under age 13 but it can also be used for children of any age who are physically or mentally incapable of self-care. This may also include senior day care for dependents who live with you. You must be able to claim the person for whom funds are used on your federal tax return.



Estimate your expenses carefully—any money left in your account at the end of the plan year will be forfeited.



Money cannot be transferred from the Medical Spending FSA to the Dependent Care FSA and vice versa.

Eligible Medical Expenses – include deductibles, copays, and coinsurance for health care, prescription drugs, dental and vision care. Out of pocket dental expenses-exams, fillings, crowns, implants, dentures,



IRS maximum annual contribution is $5000 per household per plan year.



You are only reimbursed up to the amount you have contributed at the time your claim is processed.

Eligible Dependent Care Expenses - include day care, babysitting, and general purpose day camps. Ineligible Dependent Care Expenses - include overnight camps, care provided by your spouse or your child under age 19, and care provided while you are not at work.

Over the counter medicines eligible with a prescription include pain relief, allergy relief, cold/cough/flu remedies, Make a new election for 2016 or your current election will be terminated as of 12-31-15. antibiotics, anti-gas products. You have until 3-31-16 to submit a claim for Visit www.buscobenefits.com for a more comprehenexpenses incurred during the 2015 plan sive list of eligible and ineligible expenses. year. 9

PLAN YEAR CHANGES Can I make changes during the plan year?

Remember you must elect a new amount for your 2016 medical flexible spending account.

The choices you make at open enrollment remain in effect for the entire plan year. You can make limited changes during the remainder of the year only as a result of a qualifying event. These qualifying events include:  A marriage, divorce or legal separation  The birth or adoption of a child

You must re-enroll in

 The death of a spouse or dependent child

medical benefits or you

 Gain or loss of coverage for dependent child under age 26

will not have coverage for 2016. Your voluntary benefit elections will remain the same. This is a good time to update your beneficiary information.

 A change in employment status for you or your spouse if it affects your benefit eligibility  Being newly eligible for Medicare Coverage  Losing eligibility for coverage under a prior plan

The effective date of any coverage is the first of the month following the loss of prior coverage due to a life-changing event.

To enroll go to: www.buscobenefits.com from November 13th through November 27th

How long do I have to make life status changes? Any change in coverage must be made within 30 days of the change in status or you will not be able to change your coverage until the next Open Enrollment or another qualifying status change. If you or a covered dependent experience a qualified status change that allows you to terminate your insurance coverage, you have 30 days to complete the necessary paperwork. Coverage will terminate the first of the month following the request.

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Understanding Health Coverage and Medical Terms Below are a few insurance terms and their definitions to help you navigate the sometimes confusing insurance language. This document is for informational purposes only and is not intended to alter or replace the plan documents. Allowed Amount Maximum

amount on which payment is based for covered health care services. If your provider charges more than the allowed amount, you may have to pay the difference.

Balance Billing

When a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. A preferred provider may not balance bill you for covered services.

Annual Out-ofPocket Maximum

The most you pay during a plan period (usually a year) before your health insurance or plan begins to pay 100% of the allowed amount. This includes your deductible, coinsurance, and medical plan copays.

Co-insurance

Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay co-insurance plus any deductibles you owe. For example: if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.

Co-payment

A fixed amount (for example, $30) you pay for a covered health care service, usually when the service is provided. The amount can vary by the type of covered health care service.

Deductible

The amount you owe for health care services before your health plan begins to pay. For example, if your deductible is $1000, your plan does not pay anything until you’ve met your $1000 deductible for services provided.

Network

The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services.

Preferred Provider

A provider who has a contract with your health insurer to provide services to you at a discount. Your health insurance or plan may have preferred providers who are also “participating” providers. Participating providers also contract with your health insurer or plan, but the discount may not be as great, and you may have to pay more.

Specialist

A physician specialist focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent or treat certain types of symptoms and conditions.

What is Preventive Care? Preventive care focuses on evaluating your current health status when you are symptom free. Preventive care allows you to obtain early diagnosis and treatment, to help avoid more serious health problems. Through a preventive exam and routine health screenings, your doctor can determine our current health status and detect early warning signs of more serious problems.

gender guidelines with results being considered normal.



Diagnostic Care is when: 

During your preventive visit your doctor will determine what tests or health screenings are right for you based on your age, gender,  overall health status, and current health conditions.

Preventive or Diagnostic? Certain services can be done for preventive or diagnostic reasons. If your are going in for preventive services, make sure your doctor’s office codes them correctly as “routine”.

Has a preventive service done that results in a diagnostic service being done at the same time and as an integral part of the preventive service, subject to benefit plan provisions.



Abnormal results on a previous preventive or diagnostic screening test requires further diagnostic testing or services. Abnormal test results found on a previous preventive or diagnostic service requires the same test be repeated sooner than the normal age and gender guideline recommendations would require. Services are ordered due to current symptoms that require further diagnosis.

Preventive Care is when the patient: 

Does not have symptoms or anything indicating an abnormality.



Has had a screening done within the recommended age and

Go to www.uhcpreventivecare.com for a list of preventive care approved procedures for your age and gender. 11

BUSCO, INC. 401K PLAN AND TRUST 401K online enrollment - newly eligible employees and employees who do not participate in the 401K plan will be able to enroll online. While you are in the Busco Benefits enrollment process, you will be given an option to waive participation or to enroll in the retirement plan. You will need to click on the link that will take you to www.nationwide.com/ enroll to complete the process. It is important that you enroll through the Nationwide portal. If you fail to complete the enrollment with Nationwide you will not be enrolled in the 401K Plan. If you enroll during Open Enrollment your participation in the 401K Plan will begin on January 1, 2016. The first payroll deduction will be on January 15th, 2016. You are eligible to enroll in the 401K plan on the first of the month following 30 days of full time employment. Part time employees are eligible the first of the month following 1 year of service. If you have met the eligibility requirements but are not yet participating in the plan you may do so at any time, even if you waive at this time. This is a good opportunity to evaluate your retirement needs and invest in your future, consider participating in the 401K plan. Please be sure to review the Plan documents posted on the Busco Benefits website.

PLAN FOR YOUR FUTURE Why should you start a retirement plan? A retirement plan is one of the best tools available to help build a financial future. The sooner you take advantage of the company sponsored plan the better prepared you will be. Busco, Inc. currently matches your contribution at 10% on your first 6%. This is an additional amount you will have to invest. You are always 100% fully vested. You may change your contribution at any time. Some of the benefits to participating are: 

Tax Advantage: 401(k) deferral contributions are not subject to federal or state taxes. Contributions are taken out of your paycheck before federal and state income taxes. This lowers your taxable income, which could put you in a lower tax bracket.



Time on Your Side: When it comes to investing, time is a powerful ally. Compound earnings are the growth on your original contributions as well as the previous growth earned on those assets.



You are in Control: You contribute as much or as little as you want (subject to plan and IRS limits) to your account. Plus, you have the flexibility to change your contribution levels at any time. You will have the opportunity to change your contribution percentage or to stop contributions throughout the year.



You Can Take it with You: Even if you leave your job, your contributions and their earnings belong to you. You can transfer them to your new employer’s retirement plan and maintain their tax deferred status.



Easy Retirement Investing: Contributing consistently is essential to preparing for your retirement. You control your payroll deductions directly from your paycheck, helping to make this a simple and effortless process. Since it comes out before you get paid, you may not notice the difference.

Before you begin, set aside some time to consider how much you can contribute to your account per pay period and to research fund profiles and prospectuses. Understanding and identifying your investment options before you begin online enrollment may save you considerable time. The sooner you enroll, the more time you'll have to potentially benefit from the power of compounding interest. Set aside approximately 15 minutes or less to:  Provide some basic information about you.  Determine your contribution type(s) and amount(s).  Select your investment options.  Enter your beneficiaries. Submit your enrollment information 12

Nationwide Enrollment Instructions To enroll in the Busco, Inc. 401K Plan and Trust through www.buscobenefits.com you will click on the link Enroll in 401K. This link will direct you to the Nationwide website. You will need your social security number, your beneficiary’s address and social security number.

Click on Enroll now. On the next screen enter the case number 33780015, your social security number, and your date of birth. Click on Search. After the employer’s name, Busco, Inc. and the case number pops up click on the button “Enroll in this plan”.

At the next screen review the “GET READY TO ENROLL” tips and read the “HAVE QUESTIONS” section for important information regarding the plan. Click on the “Enroll now” button when you are ready to proceed. Fill in the requested information and follow the on-line prompts to complete the process.

Print out and sign the beneficiary form. Fax to 402-731-9796 or email [email protected] or mail to Danielle Neff, 4220 S 52nd St., Omaha, NE 68117.

Please call 1-888-867-5175 if you need assistance establishing your account online. 13

OPTUM FINANCIAL HEALTH SAVINGS ACCOUNT If you have not opened an account with Optum Financial and you have elected the Qualified High Deductible Health Plan you may want to consider investing now. The premiums with the HSA Plan are lower than the traditional plan. You can invest those savings into your Health Savings Account to be used to pay for eligible health expenses. You can make tax-free contributions to your account via payroll deductions. Remember, the money is always yours. This is not a “use it or lose it” situation.

How do I open my savings account? IMPORTANT ● For 2016 you can deposit up to: $3,350.00 for individual coverage $6,750.00 for family coverage If you are 55 or older, you can make additional catch-up deposit of $1,000.00 in 2016.

It is very important that you look for the link to open your Optum Bank Account. You must open the account or we will not be able to submit your personal contributions or deposit the $125.00 from Busco. After you select the QHDHP during enrollment you will be able to click on the following link to open your Health Savings Bank Account. https://enrollhsa.optumbank.com/hsaAppWeb/WelcomeAction.do? is_partner_post=Y&branding=definity&group_num=743074

Keep in mind, if you and your spouse (if covered) participate in the biometrics, Busco will contribute $125.00 to your HSA. The company’s contribution will reduce the amount you can deposit by $125.00.

What do I need before I start?

If you have individual coverage, you may deposit $3,225.00 to your account.

 Your personal banking information, if you wish to make an

If you have family coverage, you may deposit $6,625.00 to your account.

What’s next?

 Your Social Security number and email address  Your group or employer number– this will auto-fill to 740374 if you click on the link

 Your driver’s license, passport or government issued ID electronic contribution right away

After the application is complete the following items will be mailed to you separately

 Welcome kit from OptumHealth Bank with your account number

You must open the health savings account or Busco will not be able to make a contribution of $125.00 to your health savings! If you elect to make a payroll deduction contribution but fail to open the account the deductions will not be made until the account is open. Please review your paystub and contact payroll if your HSA election is not deducted.

 Health Savings Account Debit MasterCard®  Personal identification number (PIN) for your debit card

What if I want another card? You will need the following information ready to order another card.

 Name of cardholder  Social Security number  Date of birth

Who can I call for help?

1-800-791-9361 14

FINDING A PROVIDER How can I find a Doctor? UnitedHealthcare has one of the largest networks in the country. They are continuously growing to include more doctors, health care professionals, and hospitals. To find the right doctor for you: Visit www.myuhc.com After you have logged in click on Physicians and Facilities Click on Find a Provider Search for a doctor by name, facility, specialty, condition or other available filter options You can also find out what doctors are in the UnitedHealth Premium designation program. This tool evaluates physicians based on cost efficiency and quality of care.

Why do I want to use a network provider? You will receive a higher level of benefit at lower cost if you use a network provider. If you go outside the network, you will be responsible for a larger part of the charges. Network providers have agreed to provide their services at discounted rates. This saves you money. An in-network provider will also be able to initiate the prior authorization process. Log in to myuhc.com or call the number on the back of your card to understand coverage details and find out which services may require approval.

NURSE HOTLINE You may also take advantage of the nurse hotline. You can talk to a nurse any time, day or night. Call the number on your ID card. The nurse can provide information on doctors and hospitals, symptoms and treatment options.

What if my doctor is not in the network? Ask your doctor if they will consider joining the UnitedHealthcare network. If your physician is not in the network and does not want to join the network, you may want to switch to a network provider. If you choose to remain with a physician that is out of network the costs for services received will be higher for you and for Busco.

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PHARMACY BENEFIT SERVICES The UnitedHealthcare pharmacy benefit offers flexibility and choice. They offer a wide variety of U.S. Food and Drug Administration FDA-approved prescription medications. Check your benefit plan documents to find out the specific copayments, coinsurance, and deductibles that are part of your plan. Some plans may require you to pay the full cost of prescription medications until the plan deductible has been met. Choose a pharmacy that is in the network. You have access to thousands of retail pharmacies including the OptumRX Mail Service Pharmacy. If you fill a prescription outside the pharmacy network you may pay a higher cost or your prescriptions may not be covered. How do I find a pharmacy?

How can I save money? Mail Service Member Select—You may choose home delivery for medications you take regularly by using OptumRx Mail Service Pharmacy. By choosing home delivery you may save time and money. To set up home delivery, follow these simple steps:



log on to myuhc.com



click on Manage My Prescriptions



and enter your zip code under Locate a Pharmacy

1. Talk to your doctor—Get the right prescription. Ask your doctor for a three-month supply with refills for up to one year (if appropriate).



Or call the number on the back of your health plan ID card.

2. Contact OptumRx Mail Service Pharmacy one of these ways:

What will it cost? Show your health plan ID card to the pharmacist. Your pharmacist will tell you how much you owe.

What is a Prescription Drug List (PDL)? The PDL is a list that includes FDA approved generic and brand name prescription medications. The prescription drug list can be found on myuhc.com. Prescription medications are placed on the tier list based on their overall value. Each tier is assigned a cost. The lower the tier the lower the cost. Medications may change tiers two times per calendar year. Changes occur on January 1 and July 1. When a generic medication becomes available, the tier placement of both the brand and generic medication are evaluated. When a medication changes tiers, you may have to pay a different amount for that medication. These changes may occur without prior notice to you. For the most current information on your pharmacy coverage, please call the toll-free number on the back of your ID card or visit myuhc.com.

Specialty Medications - Specialty medications are high-cost and may be used to treat complex conditions. For most plans, these medications are managed through the Specialty Pharmacy Program. The Specialty Pharmacy Program offers access to pharmacist around-the-clock, cost-savings information, and much more. Visit UHCSpecialtyRx.com or call the number on the back of your ID card to learn more.

Phone: Call the member phone number on the back of your health plan ID card to talk with a customer service representative right away. Have your health plan ID card and medication bottle available. By fax or ePrescribe: Ask your doctor to call 1-800-791-7658 for instructions on how to fax your prescription directly to OptumRx Mail Service Pharmacy. Or your doctor can send an electronic prescription to OptumRx Mail Service Pharmacy. By Mail: Ask your doctor for a new prescription for up to a three-month supply, plus refills for up to one year. Then go to myuhc.com and download the New Prescription Order Form. Mail to the address provided on the bottom of the form. Online: Log on to myuhc.com. Click on Manage My Prescriptions Once OptumRx receives your complete order for a new prescription, your medication should arrive within 10 business days. Completed refill orders should arrive in about 7 days. If you need more information call the toll-free number on the back of our health plan ID card. Representatives are available to assist you 24 hours a day, 7 days a week.

Note: If you are enrolled in the Qualified High Deductible Health Plan with HSA there are no prescription copays. You need to be aware of the cost of your medications; ask about generic drugs and shop for the best priced options. Take the PDL with you when you visit your doctor and together you can choose the best medication from the lower cost tiers. 16

Generic Medications With the rising costs of health care, many consumers are turning to generic medicine as a way to reduce expenses. The use of generic medication saves more than $150 billion per year in the United States, with that number expected to rise in the coming years. Read on to learn about the value generic medications provide.



Be identical in strength, dosage, form and route of administration

The use of generic medication saves more than $150 billion annually, with that number expected to rise in the coming years.

Brand Name Versus Generic Although an increasing amount of consumers are switching to generic drugs, a large segment of the population doesn’t know the difference between brand name and generic medication.



Have the same use indicators



Meet the same batch requirements of identity, strength, purity and quality

When a new medicine is invented, a patent is filed so that no other company may reproduce that drug. While the patent is current, companies can charge a much higher price for the drug because there is no competition. In addition, companies often spend large amounts of money for advertising and promotion, further increasing the cost of the brand name medication.



Be manufactured under the same strict standards of the FDA’s good manufacturer practice regulations required for innovator products

When a medication’s patent expires, other companies may produce this drug, creating generic medications. Because of the increased competition, and because these other companies rarely spend money on advertising, the price of the generic drug is significantly lower. Are Generic Drugs Safe? A common misconception among consumers is that a generic medication is inferior to a brand name medication. In actuality, a generic drug is identical to a brand name drug in dosage, form, safety, strength, route of administration, quality, performance characteristics and intended use. In addition, any generic medication approved by the Food and Drug Administration (FDA) must pass the same stringent standards as brand name drugs. To gain FDA approval, a generic drug must:



Contain the same active ingredients as the innovator drug

Benefits of Generic Drugs Due to advertising, marketing, promotion and other costs, brand name drugs prices are significantly higher than generic medication costs—often 80 to 85 percent more expensive. For example, Prozac®, a brand name depression medication is often sold for $2.09 per pill, while Fluoxetine, a generic version, is often priced at $0.20 per pill. To take advantage of these savings, talk to your doctor about the possibility of using generic medications. To find out if a medication you are currently taking has a generic version, visit www.fda.gov/drugs/developmentapprovalprocess/ howdrugsaredevelopedandapproved/approvalapplications/ abbreviatednewdrugapplicationandagenerics/ucm126389.htm.

This Know Your Benefits article is provided by SilverStone Group and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. Visit us at http:// www.silverstonegroup.com. ©2009-2013 Zywave, Inc. All rights reserved.

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ONLINE RESOURCES You have continuous access to your health and benefits information on myuhc.com. On this site you will have access to helpful tools and information to help you manage your health, save money, and make informed decisions. Registration is quick and simple. Go to myuhc.com Click on Register Now. You will need your health plan ID card, or you can use your Social Security Number and date of birth to register. Follow the step-by-step instructions Once you have registered you can:  Learn more about your coverage  Find a network doctor in your area  Track Claims

MOBILE TOOLS DocGPSsm No matter where you are in the country, UnitedHealthcare’s DocGPSsm locates the nearest doctor, clinic or hospital within a 100 mile radius using your mobile phone GPS - or a zip code or city and state entered by you. You can locate doctors or facilities who participate in the network. Searches can be performed for doctors by specialty, first name, and last name, as well as for facilities by type and name. UnitedHealthcare members can locate doctors or facilities who participate in their health plan's network. Searches can be performed for doctors by specialty, first name, and last name, as well as for facilities by type and name.

Health Care Cost Estimator This tool helps you estimate health care costs based on your plan. You will be able to make better care decisions, by understanding your treatment options, comparing services, and anticipating future costs. Download the Health4Me App to your Apple or Android smartphone or tablet. It is easy to find nearby physicians, check the status of your claim, see your account balance, or speak with a nurse. You can even pull up your health plan ID card if you need it.

 Find out what physicians are recognized in the UnitedHealth Premium designation program  Organize health information, track doctor visits, immunizations, diagnoses, and prescriptions  Improve your health habits, learn about health conditions and treatment options Health Care Lane— www.healthcarelane.com. Health Care Lane is an interactive website where the “residents” explain health insurance in a friendly, entertaining way. You will learn about Health Savings Accounts, Flexible Spending Accounts and different tools and resources available to you.

UHC.TV UHC.TV is a new online television network. It provides entertaining and educational programs about good health and living well.

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Employee Assistance Program—Care24® Counseling Services The employee assistance program is available to all health insurance participants. This benefit provides confidential support to help you deal with issues that may be affecting your work or your personal well-being. It is available around the clock. Some days can be overwhelming. This benefit offers assistance and support dealing with many everyday issues and other more serious problems. Registered nurses and master’s level specialists are available to help with your questions or concerns about health conditions, medications, treatment options and more. The specialists can help with issues such as:  Grief, depression, stress and anxiety  Parenting and family problems  Relationship difficulties

How often can I call?

 Eating disorders  Financial and legal advice  Help finding a doctor for your situation

How do I get help? Asking for help does not have to be scary. The services are strictly confidential. It is better to ask for support before the problem becomes a crisis. You can call 1-888-887-4114 anytime. Nurses and master’s level specialists are available 24 hours a day, seven ® days a week. With Care24 you do not need to make an appointment or wait until Monday to get help. You can also reach a nurse online. Live Nurse chat connects you with a registered nurse for a personal conversation. Nurses are supported by a team of doctors, and have access to the latest medical tools and resources. Visit myuhc.com for support 24/7.

Care24® offers members 3 free visits/sessions on 3 different topics. Family members are also eligible. Ask a Nurse Emergency? Dial 911 Registered nurses are available 24/7 to answer your health questions

Chatonline now

Call 1-888-887-4114

Why do I want to use Care24® ? Care24® health coaching from registered nurses can help you improve your health and save money.  Learn to recognize when self-care, a doctor visit or the emergency room is appropriate. ®

 With the new limits on copays Care24 may save you an office visit.  Understand medication interactions and how to reduce your prescription costs.

Care24® services also offers access to an audio library. You can call the toll free number, press * to speak with a nurse who will provide you with information on health topics, along with the three digit access pin number. This allows you to listen to recorded health and well-being messages. The Health Information Library consist of more than 1,100 messages to provide you with useful health and wellness information. 19

Dental Renewal Summary: We are renewing the dental coverage with United Concordia. There will not be a premium increase for 2016. United Concordia has expanded the network of providers. The Alliance network features more than 92,000 dentists at over 232,000 access points nationwide. This will provide you with an expanded selection of in-network dentists that will help lower claim costs and reduce out-of-pocket expenses.

Premiums Per Month

Premiums Per Pay Period

Employee

$28.68

$14.34

Employee and Spouse

$56.53

$28.27

Employee and Children

$53.38

$26.69

Employee and Family

$88.41

$44.21

Plan Enhancements: These plan changes took effect in 2015, but below is a reminder regarding the enhancements and limitations. Smile for Health—Wellness. This is a program for people with chronic medical conditions and periodontitis (gum disease). Employees and their families are eligible for 100% coverage with this benefit. The Pregnancy Benefit provides women one additional dental cleaning and periodontal service during their pregnancy. This will help prevent and control periodontitis (gum disease) and also protects against pregnancy gingivitis. To take advantage of these benefits, employees (and their families) should report their condition by visiting UnitedConcordia.com, sign in to My Dental Benefits and click on My Oral Health. An email will be sent confirming their selection. United Concordia has added coverage for posterior composite resins. This technique involves filling cavities in the back teeth with “white” composite material. They also lowered the out-of-pocket cost with this popular dentist procedure.

Limitations: The policy contains limitations which are the frequency and/or age restrictions relative to covered services. There are new limitations on the frequency of x-ray services. Please review the dental exclusions and limitations document located on www.buscobenefits.com for a more extensive listing of limitations and restrictions. Please review your plan documents for a listing of covered services.

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Dental Benefits Summary for Arrow Stage Lines Network: Alliance

Effective Date: January 1, 2016 Benefit Category1

CONCORDIA CHOICE PLAN In-Network2 Non-Network2

Class I – Diagnostic/Preventive Services Exams Bitewing X-rays , All Other X-rays Cleanings & Fluoride Treatments, Sealants Palliative Treatment

100%

100%

80%

80%

50%

50%

50%

50%

Class II – Basic Services Basic Restorative (Amalgam and Composite Fillings) Simple Extractions, Space Maintainers Repairs of Crowns, Inlays, Onlays, Bridges & Dentures Endodontics Nonsurgical Periodontics, Surgical Periodontics Complex Oral Surgery , General Anesthesia Class III – Major Services Inlays, Onlays, Crowns Prosthetics (Bridges, Dentures) Orthodontics for dependent children to age 19 Diagnostic, Active, Retention Treatment Included Plan Features Preventive Incentive® Smile for Health® Maternity Benefit Smile for Health Wellness3 for members with Diabetes, Heart Disease, Cerebrovascular Disease, Lupus, Oral Cancer, Organ Transplant, Rheumatoid Arthritis and Pregnancy

Class I services do not count toward your annual program maximum Covers 1 additional cleaning during pregnancy Covers 1 additional periodontal maintenance per year and all are covered at 100% Scaling and root planing are covered at 100% 4 periodontal surgery procedures are covered at 100%

Maximums & Deductibles (applies to the combination of services received from network and non-network dentists) Annual Program Deductible (per person/per family) Annual Program Maximum (per person) Lifetime Orthodontic Maximum (per person) Waiting Periods3 Class I Class II Class III Orthodontics for dependents to age 19 Reimbursement

$50/$150 (Excludes Class I & Orthodontics) $1,000 (Excludes Class I & Orthodontics) $1,000 None None 6 months 12 months Alliance

None None 6 months 12 months Advantage (MAC)

Representative listing of covered services – certificate of coverage provides a detailed description of benefits. 1. Dependent children covered to age 26.2. Reimbursement is based on our schedule of maximum allowable charges (MACs). Network dentists agree to accept our allowances as payment in full for covered services. Non-network dentists may bill the member for any difference between our allowance and their fee (also known as balance billing). United Concordia Dental’s standard exclusions and limitations apply. 3. Members (subscribers or covered dependents) with the above conditions must sign up for this feature in My Dental Benefits on UCWellness.com

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Vision Renewal Summary: We are renewing our voluntary vision coverage with EyeMed. You may use any vision provider you choose. However, an EyeMed Select network provider will maximize your vision benefits. Participating providers will submit claims on your behalf. The summary below is a guide only; for a complete plan description go to www.buscobenefits.com. There are no premium increases or changes to the vision benefit for 2016. Premiums Per Month

Premiums Per Pay Period

Employee Only

$5.15

$2.58

Employee and Spouse

$9.76

$4.88

Employee and Children

$10.25

$5.13

Employee and Family

$15.08

$7.54

Vision Care Services

Member Cost

Exam with Dilation as Necessary

$10 Copay

Out of Network Reimbursement Up to $35

Standard Contact Lens Fit and Follow-up*

Up to $40

N/A

Premium Contact Lens Fit and Follow-up**

10% off retail

N/A

Exam Options:

Frames (Any available frame at provider loca- $0 Copay, $100 Allowance; 80% of balance over $100 tion)

Up to $50

Standard Plastic Lenses: Single Vision

$25 copay

Up to $25

Bifocal

$25 Copay

Up to $40

Trifocal

$25 Copay

Up to $65

Standard Progressive

$25 Copay, 20% off retail price less $55 allowance

Up to $40

Lens Options (paid by the member and added to the base price of the lens): Tint (Solid and Gradient)

20% off Retail Price

N/A

UV Coating

20% off Retail Price

N/A

Standard Scratch-Resistance

20% off Retail Price

N/A

Standard Polycarbonate

20% off Retail Price

N/A

Standard Anti-Reflective

20% off Retail Price

N/A

Other Add-Ons & Services

20% off Retail Price

N/A

Contact Lenses (allowance covers materials only): Conventional

$0 Copay, $115 Allowance, 15% off balance over $115

Up to $92

Disposables

$0 Copay, $115 Allowance; balance over $115

Up to $92

Medically Necessary

$0 Copay, Paid in Full

Up to $200

LASIK and PRK Vision Correction Procedure

15% off retail price OR 5% off promotional pricing

N/A

Exam

Once every 12 months

Frames

Once every 24 months

Standard Plastic Lenses or Contact Lenses

Once every 12 months

Additional Purchases and Out-of Pocket Discount—continued on page 23

22

Vision Plan (continued) Benefits are not provided for services or materials arising from: Orthoptic or vision training, subnormal vision aids and any associated supplemental testing; Aniseikonic lenses; Medical and/or surgical treatment of the eye, eyes or supporting structures; Any eye or Vision Examination, or any corrective eyewear required by a Policyholder as a condition of employment; safety eyewear; Services provided as a result of any Workers’ Compensation law, or similar legislation, or required by any governmental agency or program whether federal, state or subdivisions thereof; Plano (non-prescription) lenses and/or contact lenses; Non-prescription sunglasses; Two pair of glasses in lieu of bifocals; Services or materials provided by any other group benefit plan providing vision care; Certain brand name Vision Materials in which the manufacturer imposes a no-discount policy; or Services rendered after the date an Insured Person ceases to be covered under the Policy, except when Vision Materials ordered before coverage ended are delivered, and the services rendered to the Insured Person are within 31 days from the date of such order. Lost or broken lenses, frames, glasses, or contact lenses will not be replaced except in the next Benefit Frequency when Vision Materials would next become available. Benefits may not be combined with any discount, promotional offering, or other group benefit plans. Standard/Premium Progressive Lens not covered - fund as a Bifocal Lens. Standard Progressive Lens covered - fund Premium Progressive as a Standard. Member will receive a 20% discount on remaining balance at Participating Providers beyond plan coverage; the discount does not apply to EyeMed's Providers' professional services or disposable contact lenses. Members also receive a 40% discount off complete pair eyeglass purchases and a 15% discount off conventional contact lenses once the funded benefit has been used. Underwriter Insured Plans are underwritten by Fidelity Security Life Insurance Company of Kansas City, Missouri, except in New York. Fidelity Security Life Policy Number VC-73/VC74, form number M-9059. This is a snapshot of your benefits. The Certificate of Insurance is on file with your employer. Value Added Features: In addition to the health benefits your EyeMed program offers, members also enjoy additional, value added features including:

 Additional Eyewear - Save up to 40% off additional complete pairs of glasses after the initial benefit has been used. This money-saving program is available at any participating provider.

 Eye Care Supplies - Receive 20% off retail price for eye care supplies like cleaning cloths and solutions purchased at network providers (not valid on doctor's services or contact lenses).

 Laser Vision Correction - Save 15% off the retail price or 5% off the promotional price for LASIK or PRK procedures.

 Replacement Contact Lens Purchases - Visit www.eyemedcontacts.com to order replacement contact lenses.

To see a list of participating providers near you, go to www.enrollwitheyemed.com and choose SELECT from the provider locator dropdown box or call 1-866-268-4063. If there is a discrepancy in the summary above and the plan description, the plan governs.

23

Life Insurance Busco will continue to provide $15,000 life insurance to all full time employees.

Voluntary Term Life / AD&D Open Enrollment is your chance to purchase $10,000 to $500,000 of coverage. Newly eligible full time employees will get up to $100,000 guaranteed issue—this means there are no health questions. When you purchase coverage for yourself you are then eligible to purchase coverage on a spouse and/or child(ren). Your spouse may purchase 50% of what you, the employee elected, up to $250,000 with $30,000 guaranteed issue. Your child(ren) can be covered at birth up to $10,000 in increments of $2,000. You may only elect up to 4 times your current salary and the amounts are subject to approval by Lincoln Financial. You may increase your voluntary life insurance amount at any time, provided you answer health questions. If you want extra voluntary life insurance for yourself, spouse, and or child you must fill out an Evidence of Insurability (EOI) form and send it to Lincoln Financial. The coverage does not become effective until Lincoln Financial notifies you that it has been approved. It is not an automatic approval for coverage when you enroll. (Coverage must be elected and approved for yourself as family members cannot be covered unless you are.) 2016 Voluntary Term Life Benefits Classification

All eligible employees

Definition of Earnings

Basic annual salary, including bonuses and commissions averaged over the past 24 months

Employee Benefit (Principal Sum) Increments Minimum Maximum Guarantee Issue Spouse Benefit Increments Minimum Maximum Guarantee Issue

Employee Participation Required Child(ren) Benefit Increments Minimum Maximum Age Requirements

$10,000 $10,000 4x annual earnings to $500,000 $100,000

$5,000 $5,000 50% of employee’s benefit to $250,000 $30,000 Age 60 and over = No GI Yes $2,000 $2,000

$10,000 Birth 19/26

Benefit Reduction Schedule

65% at age 70 50% at age 75

Waiver of Premium

Included for Employee only 6 months of total disability and then payable until the employee reaches the SSNRA.

Living Benefit

Included for Employee and Dependents Same with the exception up to 75% and maximum is $250,000

Layoff/Leave of Absence

Included - up to 3 months

Conversion

Included

Portability

Included for Employee and Dependents

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VOLUNTARY PLAN OPTIONS The voluntary plan options are offered through Keeler and Associates. If you are interested in any of these plans call 1-877-282-0808 Monday-Friday 7:00 am to 4:00 pm CST. They will be happy to assist you and explain the plans. The premiums can be deducted from your pay check. You can enroll in any of these plans even if you do not carry the medical plans. You may want to consider these plans when you are making your enrollment decisions. Some of the plan designs may have changed since you first elected a voluntary plan, this is a good opportunity to review your options. You may contact Keeler and Associates for more information.

DISABILITY INSURANCE (full time only) DESCRIPTION  Pays you an income if you are disabled as a result of a covered sickness or off the job injury  Protect up to 60% of gross salary to a max. of $2,500 a month benefit  Guaranteed issue for new hires

PURPOSE  Protect your most valuable asset, your ability to earn an income  Almost half of all mortgage foreclosures are due to disability  Over 57% of all Social Security Disability claims are rejected

 Benefits begin on the 8th day  Pays up to 12 months of a disability

“SHOP” SUPPLEMENTAL HOSPITAL (full time and part time eligible) DESCRIPTION  Benefits paid directly to you  Benefits paid regardless of any other coverage  Guaranteed renewable to age 65

PURPOSE  Policy provides extra cash to help families pay for deductibles, co-pays and other out-of pocket expenses associated with hospital care

 Premiums increase with age

 Pays benefits directly to the insured not the hospital or doctors

 Portable-You can take it with you if you leave employment

 Does not coordinate with major medical insurance

 Coverage available for employee, Spouse & Children

25

VOLUNTARY PLAN OPTIONS (continued) ACCIDENT SUPPLEMENT (full time and part time eligible) DESCRIPTION  Includes 24 hour coverage on or off the job  Benefits include: emergency treatment benefit, accident lump sum injury benefits, doctor, x-rays, hospital confinement, accidental death and dismemberment, and accident only disability benefit

PURPOSE  Provides additional income to help offset deductibles and co-insurance which accompany most health insurance plans  Also to help with other out-of-pocket expenses associated with accidental injuries

 Pays benefits directly to you  Family coverage available

CANCER AND INTENSIVE CARE (full time and part time eligible) DESCRIPTION  Provides a cancer screening benefit every year even if you are never diagnosed with cancer  Pays benefits if insured contracts cancer, or has a life threatening intensive care confinement  Benefits include: hospital confinement, surgery, radiation & chemotherapy, hospice care lodging and transportation benefits, etc

PURPOSE  Policy provides extra cash to help families pay for deductibles, co-pays and other out-of pocket expenses associated with cancer such as travel, loss of income, experimental treatment, etc.  Pays benefits directly to the insured not the hospital or doctors  Does not coordinate with major medical insurance

 Family coverage available

26

HOW TO ENROLL BE PREPARED!

Log on to www.buscobenefits.com

● Know your benefit options.

Click on the “Enroll Online Now” button

● Review the enrollment guide and the benefit summaries.

Log in Instructions:

● Gather your dependents’ social security numbers.

Employee #: The first 4 letters of your last name and the last 4 digits of your Social Security number. (Example: John Smith 333-44-5678 Employee# - smit5678) PIN#: Use the initials of your first and last name plus the last 4 digits of your Social Security number. (Example: John Smith: js5678)

CALL CENTER

877-282-0808 Monday-Friday 7:00 am to 4:00 pm CST If you need assistance call the number above and you will be able to talk to an enrollment counselor and enroll in your benefits over the telephone. Monday—Friday 7:00 am to 4:00 pm CST

This website will give you access to many helpful and informational resources such as:

Update your beneficiary information and print the summary of benefits you selected for your records.

Eligible HSA Expenses HSA Pros and Cons Benefit Video Presentations Enrollment Forms Summary Brochures Claim Forms Contact Information and more

System Requirements:

 Internet Explorer, 6.0 or above  Acrobat Reader, 5.1 or above  Adobe Flash Player, 5 or above This site is best viewed at high resolution (at least 1024X768). 27

CONTACT INFORMATION Here are resources to contact if you have questions about your coverage options. For more information about:

Call:

Or go to:

UnitedHealth Care

1-866-314-0335

www.myuhc.com

Care24® Services

1-888-887-4114

www.myuhc.com

Pharmacy Benefit

1-877-842-6048

www.myuhc.com

Optum Bank

1-800-791-9361

www.optumhealthbank.com

United Concordia(Dental)

1-800-332-0366

EyeMed (Vision)

1-866-268-4063

Lincoln Financial Group (Life Insurance)

1-800-423-2765

Mid-American Benefits (Flexible Spending)

1-402-571-6224

Allstate Plans - Hospital Indemnity, Cancer, and Accident

1-800-348-4489

Assurity Accident Trustmark—Short Term Disability Monica Talbott Human Resources Assistant

www.unitedconcordia.com Plan name is Concordia Choice www.enrollwitheyemed.com Choose Select from dropdown

www.LincolnFinancial.com

1-800-869-0355 ext 4484 1-877-201-9373 1-800-672-8302,ext 127

401K Enrollment or Account questions

1-800-788-9425

401K Nationwide Financial Account Access

1-800-772-2182

Email: [email protected]

Financial Advisors Darrin Deichmann or Eric Luber

All the medical summary plan descriptions and other benefit plan details, claim forms, and other informational material may also be found on: www.buscobenefits.com 28