Turnberry Associates Benefit Guide by Turnberry Associates

At Turnberry Associates we believe it is important to take care of you and your loved ones. With this in mind, we are committed to offering a rich, competitive, and affordable benefits program each year. As part of this commitment, we thoroughly analyze Associate feedback and conduct an extensive market review of our healthcare program to ensure we provide the best, comprehensive plan. Additionally, we provide you with access to a variety of tools and resources - including this Benefits Guide - to help you make informed benefits decisions. We encourage you take a proactive approach to understanding the available benefits options, choosing the plans that best fit your needs, and utilizing them to their fullest value throughout the year. On behalf of Ownership, thank you for your contribution to Turnberry Associates.

With Healthy Regards,

Alina Molina Executive Vice President of Human Resources

WHAT’S INSIDE This Benefit Guide provides a summary of your benefit options for the 2016 - 2017 plan year. For additional information on the enrollment process and specific details of your plan, please contact Human Resources.

Table of Contents Who Is Eligible?......................................................................................................................

Making Changes…………………………………………………………………………….……...

Staying Healthy with Medical Coverage……………………………………………….……...

2-5

Lowering Your Taxes with Reimbursement Accounts……………………….……………….

Additional Services/Programs for CIGNA Members……………………..…………………..

Important Tips for CIGNA Members………………………………………….………………….

Dental Benefit That Keep You Smiling……………………………………………………..…….

Keep an Eye on Your Vision Coverage…………………………………………..……………..

Protecting Yourself & Your Loved Ones with Life Insurance, AD&D………..………………

Prepare for the Unexpected with Disability Insurance…………………………….………...

Voluntary Life and Disability Rate………………………………………………………………..

Teladoc.………………………………………………………………………………….……..…….

Patient Care………………………………………………………………………..…………………

Voluntary Benefits ………………………………………....……………………….………………

Turnberry-i | Online Open Enrollment & Benefits Features………………………………….

Benefits that May Help You and Your Family………………………………….………………

Other Turnberry Benefits………………………………………………………………….………..

Annual Notices…………………………………………………………………………………..…..

18-21

Notes…………..…………………………………………………………………………………..…..

22-23

Important Contact Information…………………………………………………..……………….

WHO IS ELIGIBLE? If you are a fulltime Turnberry employee who works regularly 30 hours or more each week, you are eligible to enroll in the benefits described in this Benefit Guide on the first of the month following your 60 day waiting period. The following family members are eligible for Medical, Dental, Vision, Voluntary Life and AD&D insurance if you enroll for benefits:  Your legal spouse  Your domestic partner  After-tax premiums are deducted from your paycheck for your domestic partner  The cost of coverage that Turnberry pays for your domestic partner and domestic partner’s child(ren) is considered taxable income and will appear on your W-2 as earnings  Natural, adopted or step-children up to age 26  Young Adults from age 26-30 (Only in Florida) (Dependent has to be unmarried, doesn’t have a dependent of their own, a FL resident or student, and does not have coverage of their own available) (Applies to Medical only)  A dependent who is named in a Qualified Medical Child Support Order (QMCSO) as defined under federal law  Legal guardianship  Disabled children who have reached the maximum age and who are (or become) physically or mentally incapable of self-support (medical certification required)

MAKING CHANGES Once you have made your benefit elections, you cannot change them until the next open enrollment period which will now be August 1, 2017 unless you have a qualifying event. Qualifying events include:  Marriage  Divorce or legal separation  Birth or adoption of a child  Change in your child’s dependent status  Death of your spouse/domestic partner, child or other qualified dependent  Change in residence due to an employment transfer for you or your spouse/domestic partner  Commencement or termination of adoption proceedings  Change in your spouse/domestic partner’s benefits or employment status Any change in your benefits must be consistent with the change in status and you must make your election within 30 days following the status change or you will not be able to make changes until the next open enrollment period. Note: Your eligibility for coverage under the Turnberry Plans in all cases is contingent on your meeting the eligibility requirements as set forth in the relevant Plan documents. 1

STAYING HEALTHY WITH MEDICAL COVERAGE Nothing is more important than your health. That is why Turnberry Associates offers three medical plans through CIGNA to help you and your family members live healthier lives. All three plans participate in the SAME network: OAP Plus.

Option 1: (CIGNA Open Access Plus) You will be responsible for an annual deductible, coinsurance, and co-payments for services provided. This plan gives you the option of using in-network and/or out-of-network providers when you need care. Option 2: (CIGNA Open Access Plus IN) You will be responsible for an annual deductible, coinsurance and copayments for medical and RX services. There are NO out-of-network benefits on this plan, therefore, please ensure that you’re always seeking services from contracted and in-network providers and facilities. Option 3: (CIGNA Choice Fund Open Access Plus HSA) This Consumer Driven Health Plan allows you to set aside pre-dollars for current and future medical expenses. Once you meet the plan’s annual deductible, you pay 10% for in-network services until you reach the plan’s annual out-of-pocket maximum. With this plan you may utilize out-of-network providers, however additional costs may apply. The following explains how the deductible and out-of-pocket maximum are applied to your benefits:

 Collective (non-embedded) Deductible: All eligible family members contribute towards the family plan deductible. Once the family deductible has been met, the plan will pay each eligible family member's covered expenses based on the coinsurance level specified by the plan.

 Non-Collective (embedded) Out of Pocket Maximum: After each eligible family member meets his or her individual out-of-pocket maximum, the plan will pay 100% of their covered expenses. Or, after the family out-of-pocket maximum has been met, the plan will pay 100% of each eligible family member's covered expenses.

Provider Network Information: In-Network Care: When you seek medical services from a CIGNA contracted provider, you receive a higher level of benefits. This means when you use a contracted provider, you substantially reduce the amount you pay out of pocket for medical services. Contracted providers also take care of filing your claim directly with CIGNA. Out-of-Network Care: You may choose to receive care from a non-contracted provider that is out of network, however, you will receive a lower level of benefits. Your benefits are based on the amount that is considered reasonable and customary and you are responsible for any amount above what CIGNA pays (Balance Billing). In some cases, you may have to file your own claims directly with CIGNA, or you may not have any coverage at all. Not applicable to Option 2.

** Helpful Tip** When contacting a provider, please make sure you always use the word “CONTRACTED.” (Please do not use the word Accept CIGNA otherwise you may be subject to out of network billing) Please see page 8 for more details on how to locate a contracted provider that’s in the network listed above. Please review the chart on the following pages to compare your medical plan options.

CIGNA Medical Plan Summary of Services

Option 1: CIGNA Open Access Plus In-Network Benefits

Out-of-Network Benefits

$500 $1,000

$1,000 $2,000

Includes Medical Deductible, Medical & Rx Coinsurance & Copays

$3,000 $6,000

$6,000 $12,000

20%

40%

$20 copay $45 copay

40% coinsurance 40% coinsurance

Calendar Year Deductible Individual Family Out-of-Pocket Maximum Individual Family Member Coinsurance Office Visits Physician Specialist Office Visits (Preventive Visits) Well Child Care Visit Routine Adult Physical Well Women/GYN Exams Mammogram (Age Limitations) Colonoscopy (Age Limitations)

$0 $0 $0 $0 $0

Diagnostic Lab & X-Ray  Independent Testing Facility

40% after deductible

Major Diagnostic Services (MRI, PET, CT Scan)  Independent Testing Facility

20% after deductible

40% after deductible

Emergency Room

$200 copay

Urgent Care

$35 copay

40% after deductible

Hospitalization (In-patient)

20% after deductible

40% after deductible

Outpatient Surgery

20% after deductible

40% after deductible

Prescription Drug Benefits Retail - 30 Day Supply Tier 1 - Preferred Generic Tier 2 - Preferred Brand Tier 3 - Non-Preferred Brand

40% coinsurance 40% coinsurance 40% coinsurance $0 $0

Deductible does not apply 40% coinsurance 40% coinsurance 40% coinsurance

50% coinsurance

Prescription Drug Benefits Mail Order - 90 Day Supply Tier 1 - Preferred Generic Tier 2 - Preferred Brand Tier 3 - Non-Preferred Brand

$20 $50 $80

Prescription Drug Benefits Home Delivery 30 Day Supply

Deductible does not apply

 Tier 4 - Specialty Drugs

40% coinsurance

50% coinsurance

Not Covered

Benefit Disclosure—The above chart is for illustrative purpose only; actual benefits described in SPD will prevail.

CIGNA Medical Plan

Option 2: CIGNA Open Access Plus IN

Summary of Services

In-Network Benefits

Calendar Year Deductible Individual Family Out-of-Pocket Maximum Individual Family Member Coinsurance

$1,000 $2,000 Includes Medical Deductible, Medical and Rx Coinsurance and Copays

$4,000 $8,000 10%

Office Visits Physician Specialist

$25 copay $45 copay

Office Visits (Preventive Visits) Well Child Care Visit Routine Adult Physical Well Women/GYN Exams Mammogram (Age Limitations) Colonoscopy (Age Limitations)

$0 $0 $0 $0 $0

Diagnostic Lab & X-Ray  Independent Testing Facility

Major Diagnostic Services (MRI, PET, CT Scan)  Independent Testing Facility

10% after deductible

Emergency Room

$200 copay

Urgent Care

$50 copay

Hospitalization (In-patient)

10% after deductible

Outpatient Surgery

10% after deductible

Prescription Drug Benefits Retail - 30 Day Supply Tier 1 - Preferred Generic Tier 2 - Preferred Brand Tier 3 - Non-Preferred Brand

Deductible does not apply 40% coinsurance 40% coinsurance 40% coinsurance

Prescription Drug Benefits Mail Order - 90 Day Supply Tier 1 - Preferred Generic Tier 2 - Preferred Brand Tier 3 - Non-Preferred Brand

$20 $50 $80

Prescription Drug Benefits Home Delivery 30 Day Supply

Deductible does not apply

 Tier 4 - Specialty Drugs

40% coinsurance

Benefit Disclosure—The above chart is for illustrative purpose only; actual benefits described in SPD will prevail.

CIGNA Medical Plan Summary of Services

Option 3: CIGNA Choice Fund Open Access Plus HSA In-Network Benefits

Out-of-Network Benefits

$1,500 $3,000

$3,000 $6,000

Includes Deductible & Coinsurance

$4,000 $8,000

$8,000 $16,000

10%

20%

10% after deductible 10% after deductible

20% after deductible 20% after deductible

100% covered 100% covered 100% covered 100% covered 100% covered

20% coinsurance 20% coinsurance 20% coinsurance $0 $0

Diagnostic Lab & X-Ray  Independent Testing Facility

10% after deductible

20% after deductible

Major Diagnostic Services (MRI, PET, CT Scan)  Independent Testing Facility

10% after deductible

20% after deductible

Emergency Room

10% after deductible

Urgent Care

10% after deductible

20% after deductible

Hospitalization (In-patient)

10% after deductible

20% after deductible

Outpatient Surgery

10% after deductible

20% after deductible

Prescription Drug Benefits (30 Day Supply) Tier 1 - Preferred Generic Tier 2 - Preferred Brand Tier 3 - Non-Preferred Brand

10% after deductible 10% after deductible 10% after deductible

20% after deductible

Prescription Drug Benefits (90 Day Supply) Tier 1 - Preferred Generic Tier 2 - Preferred Brand Tier 3 - Non-Preferred Brand

10% after deductible 10% after deductible 10% after deductible

20% after deductible

10% after deductible

Not Covered

Prescription Drug Benefits Home Delivery 30 Day Supply  Tier 4 - Specialty Drugs 5

Benefit Disclosure—The above chart is for illustrative purpose only; actual benefits described in SPD will prevail.

LOWERING YOUR TAXES WITH REIMBURSEMENT ACCOUNTS Health Savings Account (HSA) If you enroll in the CIGNA Option 3-Choice Fund Open Access Plus HSA (HDHP/HSA), you can set aside money in a Health Savings Account (HSA) before taxes are deducted to pay for eligible medical, dental and vision expenses. The HSA will now be administered by HSA Bank. There are other significant key advantages:  Your account balance in an HSA can be carried forward from one year to the next.  If you have any money remaining in your HSA after your retirement, you may withdraw the money as cash.  A debit card is available for convenient payment of your eligible expenses including doctor visits.

No Use It or Lose It feature! 

How much can I contribute to an HSA? The maximum amount you, your employer, and anyone else can contribute to your HSA in any year is the amount established by the IRS.

The IRS amounts for 2016 are $3,350 for individual coverage and $6,750 for family coverage.  The IRS amounts for 2017 are $3,400 for individual coverage and $6,750 for family coverage. 

When can I make “catch-up” contributions to an HSA? If you are 55 or older, or turning 55 during the calendar year, you can make additional “catch-up” contributions to your HSA. The “catch-up” contribution is $1,000. If you have high deductible health plan (HDHP) coverage for the full year, you can make the full catch-up contribution regardless of when your 55th birthday falls during the year. If you do not have HDHP coverage for the full year, you must prorate your catch-up contribution for the number of full months you were eligible, i.e., had HDHP coverage. However, if you are covered on December 1, you’re treated as an eligible individual for that entire year and can make the full contribution, provided you also elect the HDHP for the following year.

Important HSA Fees to keep in Mind! HSA Monthly Fee= $1.85 Monthly Paper Statements= $1.25 (You have the option to choose paper or online statements)

Online Paper Statements= No charge

** There may be additional standard banking fees such as check and overdraft fees. This information will be included in your CIGNA packets**

Additional Services/Programs for CIGNA Members Health Information Line Whether it is guidance on medical treatment, or assistance with a health question, you can always call the health information line and get live support 24 hours a day, 7 days a week. Dial the toll-free number on your Cigna ID card or dial 1.800.Cigna24. You'll be connected directly to a specialist trained as a nurse who is ready to help answer your health questions.

Life Style Management Programs (LMP) Whether you’re looking for help with weight, tobacco or stress management, our Lifestyle Management Programs are here for you. Each program is easy to use, available where and when you need it, and is always no cost to you. Call 1-855-246-1873 or go to myCigna.com.

Healthy Babies As part of your Cigna medical plan, you can receive: Information to help you learn about pregnancy and babies, including information from the March of Dimes®. 24/7 telephone access to a health advocate. Call the toll-free number on your Cigna ID card to sign up.

Healthy Rewards Discount Program Improving health has many rewards. CIGNA Healthy Rewards® includes special discounts on programs and services designed to help you enhance your health and wellness. The offers include brand names such as Jenny Craig®, Pearle Vision®, Curves®, drugstoreTM and more. No referrals. No claim forms. No catch. Discounts are available for the following health and wellness programs: • Weight Management and Nutrition • Fitness • Tobacco Cessation • Mind/Body • Vision and Hearing Care • Vitamins, Health and Wellness Products • Alternative Medicine • Healthy Lifestyle Products • Dental Care Good health is its own reward. So consider this a well-deserved bonus. For a complete list of Healthy Rewards vendors and programs, visit mycigna.com or call 1.800.870.3470. 7

IMPORTANT TIPS FOR CIGNA MEMBERS!! Make sure you’re always seeing Contracted Providers! How do I locate a CIGNA Contracted provider: Online: If I’m not registered on MyCigna.com 1) 2) 3) 4) 5) 6)

Go online to www.cigna.com Under the Welcome Tab, select “Find a Doctor” Select Health Care Professional Type (Physician, Pharmacy, Hospital) If you’re selecting a facility, enter in the facility type (Urgent care, MRI Center, etc.) Enter your location criteria Select your plan/network which is (Open Access Plus) then click “search” and your Provider/facility listing will populate.

If I’m registered on MyCigna.com (from previous time with CIGNA) 1) Log on to www.mycigna.com (if you forgot your login information you can request a password reset) 2) Visit the “Find a Doctor” page 3) Enter your search based on your needs (Location, Specialty, Cost, Quality) and select Search. (Your plan & network will automatically populate.

Phone: 1) Call 1-800-244-6224

Make sure you always review your CIGNA “Explanation of Benefits” (EOB) What if I receive an invoice from a provider or a facility and I verified they were contracted with CIGNA? 1) Retrieve your EOB from CIGNA for that specific claim/date of service. 2) If the amount that you owe on the EOB is equal to the amount on the invoice, then the invoice should be paid. 3) If the amount that you owe on the EOB is less than the amount on the invoice (the invoice is greater) and you’re certain you went to a contracted CIGNA provider, send a copy of your EOB with the invoice and the amount that CIGNA states you owe to your CIGNA contracted provider/facility.

When you visit your Contracted CIGNA provider for your Annual Physical/Exam make sure you’re stating that this is your “Preventive Visit” so that you’re not charged. (Remember if you’re treated for an illness during this visit it will no longer be considered a preventive visit and you will be charged the applicable copay/coinsurance).

If your Doctor orders an MRI, CT Scan or an Ultrasound, remember that an Independent Testing Facility is much more cost effective than a hospital. **Remember you can call CIGNA or log in to www.mycigna.com to get an estimate on how much services will cost.**

If you DO NOT have a life threatening emergency then remember to visit an Urgent Care Center or a Contracted Convenience Care Center for Medical services.

 CVS Minute Clinics

 Walgreens Take Care Clinics

Don’t forget about the Generic Drug Discount programs that are available at most retail chains. (Publix-free antibiotics, Wal-Mart, Target) 8

DENTAL BENEFITS THAT KEEP YOU SMILING Strong teeth and gums are an important part of good health, which is why Turnberry Associates is very excited to offer you and your eligible dependents enhanced comprehensive dental coverage through MetLife. Our dental plans help you pay for most necessary dental services and supplies, including diagnostic and preventative care (such as exams, cleanings and x-rays), basic and major restorative services (such as fillings, crowns and dentures), as well as orthodontic services for both children and adults. (Adult orthodontia covered under DMO option only).

MetLife Plan Comparison

Option 1: DMO (FL Only)

Summary of Services

In-Network

Out-of-Network

In-Network

Out-of-Network

Annual Deductible¹  Individual  Family

None None

$50 $150

$100 $300

None None

$50 $150

Annual Benefit Maximum

None

Preventative  Oral Examinations  Prophylaxis/Cleaning Basic  Minor Restorations  Endodontics  Periodontics Major  Crowns  Bridges  Dentures

Orthodontia

Option 2: PPO* PPO—Low

Option 3: PPO** PPO—High

$5,000

$2,000

Fee Schedule

100%

Fee Schedule

80%

50%

100%

80%

Fee Schedule

50%

25%

60%

50%

Fee Schedule Children & Adults

50% $1,000 Lifetime Maximum Children Up to Age 19

¹ Annual deductible only applies to basic and major services and is waived for preventative services. * Out‐of‐Network Coverage is based on fee schedule. ** Out‐of‐Network Coverage is based on 80% of the reasonable and customary fee. Benefit Disclosure—The above chart is for illustrative purpose only; actual benefits described in SPD will prevail.

KEEP AN EYE ON YOUR VISION COVERAGE Wellness is also about keeping your eyes healthy. When you visit your eye doctor, they are not just looking for vision problems. Your eyes are an indicator of your overall health, and eye exams can reveal early warning signs of eye disease, as well as serious health problems such as high blood pressure, high, cholesterol, and diabetes. Regardless of your age, it is recommended that you have your eye exam once a year. Visit www.eyemedvisioncare.com or call 1-866-939-3633 to find an EyeMed In-Network INSIGHT provider.

Vision Plan Highlights Summary of Services

In-Network

You will be reimbursed:

Eye Exams (Well Vision Exams) (once every 12 months)

$15 copay

Lenses (once every 12 months)    

Single Vision Bifocal Trifocal Lenticular

Frames (once every 24 months)

$30 copay then 100% $30 copay then 100% $30 copay then 100% $30 copay then 100%

Up to $35 Up to $50 Up to $65 Up to $70 You will be reimbursed:

$130 retail frame allowance 20% off the amount over your allowance

Up to $70

You will be reimbursed: Up to $105 allowance3

Up to $90 You will be reimbursed:

Contact Lenses Medically Necessary

Up to $45 You will be reimbursed:

Contact Lenses—Elective2 (once every 12 months)

Out-of-Network

Covered in Full4

Up to $210

Benefit Disclosure—The above chart is for illustrative purpose only; actual benefits described in SPD will prevail.

¹The insured is responsible for paying any charges in excess of this allowance. 2Contact 3Your

Lenses are in lieu of frames/lenses.

$105 allowance is applied to the fitting/evaluation fees as well as the purchased of contact lenses.

4The

Necessary contact lenses are determined at the provider’s discretion for one or more of the following conditions: Following cataract surgery; To correct extreme vision problems that cannot be corrected with spectacle lenses; With certain conditions of anisometropia; With certain conditions of keratoconus. If your provider considers your contacts necessary, you should ask your provider to contact EyeMed concerning the reimbursement that EyeMed will make before you purchase such contacts.

PROTECTING YOURSELF AND YOUR LOVED ONES WITH LIFE INSURANCE Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed at Turnberry. Your coverage amount will be paid to the beneficiary of your choice. Turnberry is excited to announce that we’re now providing eligible employees with coverage at two times your Annual Salary up to a maximum benefit amount of $500,000 in group life and accidental death & dismemberment (AD&D) insurance through CIGNA. If your death is due to a covered accident or injury, your beneficiary will receive an additional amount through Accidental Death and Dismemberment (AD&D) coverage. AD&D coverage is equal to your life insurance coverage amount. AD&D benefits are payable if you pass away due to an accident, lose a limb, or have a loss of speech, hearing, or eyesight because of a covered accident (either on or off the job) and the loss occurs within one year of the covered accident. The payable amount of your AD&D benefit depends on the type of loss. In the event of death due to an accident, your beneficiary may receive both your life and AD&D benefits.

Voluntary Term Life - Yourself, Spouse/Domestic Partner, and /or Children You may purchase additional Voluntary Life, AD&D insurance for yourself up to 5 times your annual salary with a maximum benefit of $500,000. If you purchase Voluntary Life insurance when you are first eligible, you can obtain a guarantee issue up to 3 times your annual salary or $100,000 (whichever is less) of coverage without providing evidence of insurability. You may also elect the following coverage for your spouse and children:  Spouse: Up to 50% of the employee’s elected amount, not to exceed $250,000 (inclusive of Voluntary AD&D), with a guarantee issue of $50,000. (At initial eligibility period only)  Child(ren): Up to $10,000 (Birth to age 6 months - $250 Benefit Amount) **At age 65, providing you are still employed, your coverage will decrease to 65% of the benefit amount. It will decrease to 50% at age 70. Premiums and coverage for your spouse will end at age 70; at that time your spouse may choose to convert this coverage to a permanent life insurance policy.

PREPARE FOR THE UNEXPECTED WITH DISABILITY INSURANCE Disability insurance continues a portion of your income if you become unable to perform your regular job duties for an extended period of time due to illness or injury.

Voluntary Short-Term Disability - Turnberry employees

are provided with the option to purchase short-term disability. Short-Term Disability (STD) coverage pays you up to 60% of your weekly salary per week (Maximum Weekly benefit—$1,000) on the 15th day of a non-work related illness or injury. The maximum benefit period is 11 weeks.

Voluntary Long-Term Disability - Turnberry Associates employees are provided with the option to

purchase long-term disability. If you become totally and permanently disabled, the plan begins to pay you a monthly benefit 90 days after the start of your disability. LTD works with Social Security—and any other group disability coverage—to provide you with a combined monthly benefit equal to 60% of the monthly salary you were earning as an active employee, up to $10,000 per month. 11

LIFE/AD&D BENEFIT RATES Listed below are your monthly rates as well as those for your spouse (based on each of your ages and the amount of coverage). Rates to cover your child(ren) are also shown. The premiums are paid 100% by you and deducted from your paycheck after taxes. Please refer to the table below to estimate your monthly premiums. Employee Age

Your Monthly Cost per $10,000 of Term Life Coverage

Spouse/Domestic Partner Monthly Cost per $5,000 of Term Life Coverage

Under 30

$0.92

$0.460

30 - 34

$1.17

$0.585

35 - 39

$1.33

$0.665

40 - 44

$1.50

$0.750

45 - 49

$2.40

$1.2000

50 - 54

$3.31

$1.655

55 - 59

$6.19

$3.095

60 - 64

$8.33

$4.165

65 - 69

$13.51

$6.755

70 - 74

$24.95

$12.475

75 +

$36.63

N/A

Child(ren) - $10,000 of coverage

$1.91

Use the above table to calculate your premium based o the amount of life insurance you choose. Example: $100,000 Employee Supplemental Coverage A. Enter the rate from the table above (ex: age 36)

Your Estimated Coverage Cost $1.33

B. Enter the amount of insurance in ten thousands of dollars (ex: for $100,000 of coverage, enter 10)

C. Monthly premium = Line A x Line B

$13.30

D. Bi-Weekly Payroll Deduction = Line C x 12 divided by 26

$6.14

DISABILITY BENEFIT RATES Short-Term Disability â&#x20AC;&#x201D; $0.26 / $10 of Weekly Benefit Coverage

Your Estimated Coverage Cost

A. Annual Earnings*

$30,000

B. Weekly Earnings = Line A Divided by 52

$576.92

C. Weekly Benefit Coverage = Line B x 60% (Benefit Limit of $1,000)

$346.15

D. Value per $10 = Line C divided by 10

$34.62

E. Estimated Monthly Contribution = (Line D multiplied by 0.26)

$8.99

F. Estimated Bi-Weekly deduction = (Line E multiplied by 12 divided by 26)

$4.15

Long-Term Disability â&#x20AC;&#x201D; $0.73 / $100 of Covered Monthly Earnings

Your Estimated Coverage Cost

A. Annual Earnings*

$30,000

B. Monthly Earnings = Line A Divided by 12 (Eligible Max of $16,667)

$2,500

C. Value per $100 of earnings = (Line B divided by 100)

$25

D. Estimated Monthly Contribution = (Line C multiplied by 0.73)

$18.25

E. Estimated Bi-Weekly deduction = (Line D multiplied by 12 divided by 26)

$8.42

* Excluding Bonus, Commissions, Overtime

CONSULT WITH A DOCTOR 24/7/365 Turnberry now provides members with access to Teladoc, giving you 24/7 access to board certified physicians. Teladoc allows you to resolve your routine medical issues anytime you need care from wherever you happen to be. It’s healthcare made simple!

WHAT IS TELADOC? Teladoc is a national network of board-certified physicians who provide quality healthcare through the convenience of phone or online video consultations for members of any age. Teladoc physicians can diagnose, treat, and write prescriptions, when necessary for routine medical conditions, including:

      

Cold & flu symptoms Allergies Bronchitis Urinary tract infection Respiratory infection Sinus problems And more!

WHEN SHOULD YOU USE IT?



If you’re considering the ER or urgent care center for a non-emergency medical issue.



When you can’t reach your primary care physician due to time, weather, remote location, or a disability

 

When you’re on vacation or a business trip For short-term prescription refills

The cost for Teladoc services is $15 per call if you are enrolled in the Open Access plans. The cost is $42 if you are enrolled on the HDHP plan. Payment information will need to be made at the time of the call.

Visit www.teledoc.com or call 1-855-835-2362 13

At no cost to you, Turnberry provides this advocacy program to assist you in locating specialists, dealing with claim issues, and providing clear, objective health information so you can make informed decisions. A Personal Advocate will assist you with clinical and insurance related issues, serve as a liaison with healthcare providers, insurance plans and health-related community services. Contact Patient Care at 1-800-640-1898. Patient Care’s services are available to all eligible employees enrolled in a Turnberry Medical plan. Services are also available to employees and their dependents. What are the features of the Core Advocacy service?

Advocacy         

Answer benefit questions Resolve claims and billing issues Clarify out-of-pocket costs for services Assist with referrals and prior authorization Coordinate appeals Research in-network physicians/facilities Identify a primary care physician (PCP) Make doctor’s appointments

Transparency  Review benefits for a health care test and/or procedure

    

Research in-network physicians and facilities Compare cost and quality between providers Explain impact (savings) for member choices Educate members about their options Track decisions made by members Report member and plan savings

Arrange for mail order prescription services

Call Patient Care at least 7 days prior to the procedure or test. Your Advocate will contact 2-3 network providers to compare cost and quality information.

THE ADVANTAGE OF CHOICE Supplemental insurance can help take away some of the worry and help bring you peace of mind. Colonial Life’s insurance plans provide additional coverage to employer-sponsored benefit plans. These plans are flexible and designed to provide the right type and amount of coverage for each person. Colonial is committed to helping working Americans and their families minimize personal financial risk with a comprehensive offering of voluntary benefits through the workplace.

Hospital Confinement Indemnity Insurance (Medical Bridge) The medical bridge coverage provides a lump-sum benefit for a covered hospital confinement to help offset the gaps caused by deductibles in most major medical plans. Coverage types available include employee, employee/spouse, one-parent, and two-parent coverage. This coverage also includes an Annual Wellness Benefit as an incentive for having preventive health exams performed each year.

Accident Care Insurance Colonial Life’s accident plan helps offset the unexpected medical expenses, such as emergency room fees, deductibles and co-payments that can result from a covered accident. The Optional Sickness rider and Wellness Benefit rider is also available for you and/or your spouse at an additional cost.

Critical Illness Insurance Colonial Life’s Critical Illness policy provides a lump sum benefit upon diagnosis of a covered critical illness for you to use where you need it most. Coverage is available for you and your family. This coverage also includes an Annual Wellness Benefit as an incentive for having preventive health exams performed each year.

TURNBERRY-i | ONLINE OPEN ENROLLMENT & BENEFITS FEATURES All employees have exclusive, 24-hour access to Turnberry-i. This employee-exclusive website allows all Turnberry employees anytime, anywhere access to a wide range of Human Resources and personal information. Turnberry-i also enables eligible employees to enroll in or select benefit options in the comfort of home during the open enrollment period. With just a few steps, eligible employees can:

  

Enroll in medical, dental, or vision plans Modify dependent or beneficiary information Print a Confirmation Statement of your elections

Turnberry-i also offers detailed benefits information at your fingertips throughout the plan year.

   

Get a summary of the benefits you are currently enrolled in as well as those of your dependents and beneficiaries View dependent and beneficiary information Access your 401(k) providers to monitor your investment accounts Get links to healthcare providers or a list of doctors in your network

Take advantage of all Turnberry-i has to offer at www.turnberry-i.com. 15

BENEFITS THAT MAY HELP YOU AND YOUR FAMILY Employee Assistance Program (EAP)—Many of life’s problems can grow into major issues that can disrupt an employee’s life and their ability to function at work, at home and in their personal relationships. Turnberry provides an Employee Assistance Program (EAP) through CIGNA to all employees and their dependents for confidential support and direction. You are provided with up to three face-to-face sessions with an EAP provider for a counseling and possible referral. If you or a dependent requires long-term counseling, the EAP counselor will complete the assessment and refer you to CIGNA/FL medical plan provider if you are enrolled. Services are automatically provided to you and your family members at no cost to you. You can call a trained counselor 24 hours a day, seven days a week for confidential assistance with a variety of work/life issues.

CIGNA Secure Travel As part of your employee benefits package, Turnberry provides you with CIGNA’s Secure Travel plan that includes travel, medical, and safety-related services while traveling. This valuable benefit is available to you and your immediate family members.

Business or leisure travel – it’s covered. CIGNA’s Secure Travel plan is a benefit that is provided at no cost to you and includes a wealth of services when traveling for business or leisure. Whether you simply want the weather forecast for your travel destination or you need emergency medical assistance halfway around the world, CIGNA Secure Travel has the professional staff and resources to provide support, 24 hours a day, seven days a week. CIGNA’s Secure Travel plan provides you with:

    

Medical Assistance Services Travel Assistance Services Medical Evacuation and Repatriation Services Personal Security Services Worldwide Destination Intelligence

CIGNA Identity Theft As part of your employee benefits package, Turnberry provides you with CIGNA’s Identity Theft plan that provides resolution services to help you work through critical identity theft issues you may encounter. CIGNA’s Identity Theft program provides:  A review of credit information to determine if Identity Theft has occurred  An Identity Theft resolution kit and an Identity Theft affidavit for credit bureaus and creditors  Help with reporting an Identity Theft to credit reporting agencies  Assistance with replacement of lost or stolen documents  Access to free credit reports  $1,000 cash advance to cover financial shortages  Help with emergency travel arrangements and translation services

CIGNA Will Preparation CIGNA’s Will Preparation services provide an overall financial planning process and provide a valuable first step to help protect your family’s financial future.  Last Will & Testament

    

Living Will Health Care Power of Attorney Financial Power of Attorney Medical Authorization for Minors Resources to help with funeral planning 16

ADDITIONAL BENEFITS.. 401(k) PLAN—Fidelity This benefit allows you to save money on a pre-tax basis. Employees become eligible the first of the month following their date of hire and must be at least 21 years of age to participate in the plan. The company contributes 3% of your gross salary on a bi-weekly basis to your 401(k) plan and may make a 2% discretionary contribution on 12/31 of each year. DIRECT DEPOSIT This benefit allows you to automatically deposit your paycheck into the bank account(s) of your choice (up to three accounts). Convenient, Reliable, Confidential, and FREE! PAID HOLIDAYS The company recognizes the following six national holidays in its policy: New Year’s Day Memorial Day Fourth of July Labor Day Thanksgiving Day Christmas Day FLEXIBLE DAYS A flexible day may be used for any reason but should be scheduled in advance and approved by the employee’s manager, except in an unexpected situation. The Company allows employees to carryover 5 flex days from year to year with a maximum of 10 flex days allowed at any time. When an employee terminates employment, he or she will be paid for flexible days earned. Full Time Employees earn flexible days as they work through the calendar year, accruing half a day each month from January through October. New Employees (who have completed their 90-day probationary period) are eligible for flexible days as follows: Month Hired

Flexible Days

January, February, March

4 days

April, May, June

3 days

July, August, September

2 days

October, November, December

1 day

VACATION DAYS Full time employees are eligible for paid vacation time based on their length of service with the Company as noted below, and, in some cases, title and job classification. Full time employees earn vacation days as they work through the calendar year, accruing a portion of their annual amount each month from January 1 through October 31. New employees are eligible to take accrued vacation days after completing 6 months of employment, with their manager’s approval.

Years of Service

Vacation Days

Accrued days

2-4

10 days

5-9

15 days

10+

20 days

ANNUAL NOTICES - PLAN YEAR 2016 –2017 SPECIAL ENROLLMENT NOTICE If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards your or your dependents’ other coverage). However, you must request enrollment within 30 days after you or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. Effective April 1, 2009 special enrollment rights also exist in the following circumstances: If you or your dependents experience a loss of eligibility for Medicaid or your State Children’s Health Insurance Program (SCHIP) coverage; or If you or your dependents become eligible for premium assistance under an optional state Medicaid or SCHIP program that would pay the employee’s portion of the health insurance premium. Note: In the two above listed circumstances only, you or your dependents will have 60 days to request special enrollment in the group health plan coverage. To request special enrollment or obtain more information, contact your HR Department.

COBRA CONTINUATION OF COVERAGE Under the federal law, known as COBRA, you and your dependents generally may continue medical, dental, and vision if coverage ends due to either:

 

A reduction in the number of hours you work or Termination of your employment for any reason other than gross misconduct.

Your dependents may continue their medical, dental and vision coverage under this plan if their coverage ends for any of the following reasons:

  

Your death you become entitled to Medicare

your divorce, annulment, or legal separation, provided the company is notified within 60 days, your dependent loses dependent status, provided the company is notified within 60 days. This is not a complete description of all COBRA-related provisions. You should consult your SPD for more details. The following chart shows how long you can continue your COBRA coverage:

If you lose coverage because:

Then you can continue coverage for:

If your dependent loses coverage because:

Then your dependent can continue coverage for: 36 months

You are no longer eligible

18 months

Of your death

You are no longer eligible and either you or your dependent is disabled (according to the Social Security Administration) within 60 days of your loss of eligibility

29 months

You become eligible for Medicare after your COBRA election begins

36 months

You and your spouse divorce He or she is no longer a dependent (because of age or divorce)

36 months 36 months

ANNUAL NOTICES - PLAN YEAR 2016 - 2017 WOMEN'S HEALTH AND CANCER RIGHTS ACT OF 1998 The Women's Health and Cancer Rights Act of 1998 requires group health plans to make certain benefits available to participants who have undergone a mastectomy. In particular, a plan must offer mastectomy patients benefits for:

   

All stages of reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; Prostheses; and Treatment of physical complications of the mastectomy, including lymphedema.

Our plan complies with these requirements. Benefits for these items generally are comparable to those provided under our plan for similar types of medical services and supplies. Of course, the extent to which any of these items is appropriate following mastectomy is a matter to be determined by consultation between the attending physician and the patient. Our plan neither imposes penalties (for example, reducing or limiting reimbursements) nor provides incentives to induce attending providers to provide care inconsistent with these requirements. If you would like more information about WHCRA required coverage, Turnberry employees can contact CIGNA at the number listed on the back of your ID card.

FAMILY AND MEDICAL LEAVE ACT OF 1993 You are eligible for leave under the Family and Medical Leave Act (FMLA) if you have been employed for a total of 12 months and worked at least 1,250 hours during the 12 months preceding the leave. Eligible employees will receive up to 12 weeks of leave within any rolling 12-month period for the birth or adoption of a child, for the employee’s own serious health condition, or to care for a child, spouse, or parent with a serious health condition. Eligible employees may also be eligible for FMLA leave to care for a family member who is a member of the Armed Forces under certain circumstances.

THE NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT OF 1996 The Newborns’ and Mothers’ Health Protection Act of 1996 prohibits group and individual health insurance policies from restricting benefits for any hospital length of stay for the mother or newborn child in connection with childbirth; (1) following a normal vaginal delivery to less than 48 hours; and (2) following a cesarean section, to less than 96 hours. Health insurance policies may not require that a provider obtain authorization from the health insurance plan or the issuer for prescribing any such length of stay. Regardless of these standards, an attending health care provider may, in consultation with the mother, discharge the mother or newborn child prior to the expiration of such minimum length of stay. Further, a health insurer or health maintenance organization may not:  Deny to the mother or newborn child eligibility, or continued eligibility, to enroll or to renew coverage under the terms of the plan, solely to avoid providing such length of stay coverage.  Provide monetary payments or rebates to mothers to encourage such mothers to accept less than the minimum coverage.  Provide monetary incentives to an attending medical provider to induce such provider to provide care inconsistent with such length of stay coverage.  Require a mother to give birth in a hospital.  Restrict benefits for any portion of a period within a hospital length of stay described in this notice. These benefits are subject to the plan’s regular deductible and co-pay. For further details, refer to you SPD.

GENETIC INFORMATION NONDISCRIMINATION ACT 2008 (GINA) Title II of the Genetic Information Nondiscrimination Act of 2008 protects applicants and employees from discrimination based on genetic information in hiring, promotion, discharge, pay, fringe benefits, job training, classification, referral, and other aspects of employment. GINA also restricts employers’ acquisition of genetic information and strictly limits disclosure of genetic information. Genetic information includes information about genetic tests of applicants, employees, or their family members; the manifestation of diseases or disorders in family members (family medical history); and requests for or receipt of genetic services by applicants, employees, or their family members. Our Plan complies with these requirements. 19

Important Notice from Turnberry Associates About Your Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Turnberry Associates and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage: 1.

Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

Turnberry Associates has determined that the prescription drug coverage offered by Cigna is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th through December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? If you or a covered dependent decide to enroll in a Medicare drug plan, Medicare will be the secondary payer for prescription drug costs. In other words, eligible prescription claims will be paid by the Turnberry’s plan first. If there are prescription drug claims that are not covered or partially covered by the Turnberry plan, Medicare may pay for eligible expenses that are not paid by the Turnberry plan. You should compare your current prescription drug coverage (including which drugs are covered) and costs in the Turnberry plan to the plans offering Medicare prescription drug coverage in your area. By comparing the coverage and costs of the plans, you can determine if adding the Medicare prescription drug coverage will be beneficial to you. Since you now have prescription drug coverage that, on average, is as good as Medicare coverage, you can choose to join a Medicare prescription drug plan later. You will not have to pay the higher premium (described below) as long as you do not go 63 days or longer without prescription coverage that is as good as Medicare. If you do decide to join a Medicare drug plan and drop your current Turnberry coverage, be aware that you and your dependents will not be able to get this coverage back. Please contact Human Resources for more information about what happens to your coverage if you enroll in a Medicare prescription drug plan. When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? You should also know that if you drop or lose your current coverage with Turnberry and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following November to join. For More Information About This Notice Or Your Current Prescription Drug Coverage: For further information please contact Human Resources at (305) 666-1861. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Turnberry changes. You also may request a copy of this notice at any time. For More Information About Your Options Under Medicare Prescription Drug Coverage: More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: Visit www.medicare.gov Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

Medicaid and the Children’s Health Insurance Program (CHIP) Offer Free Or Low-Cost Health Coverage To Children And Families If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage. These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, you can contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan. Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, your employer’s health plan is required to permit you and your dependents to enroll in the plan – as long as you and your dependents are eligible, but not already enrolled in the employer’s plan. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of January 31, 2015. Contact your State for more information on eligibility – State Website Contact Numbers ALABAMA – Medicaid

Website: www.myalhipp.com

1-855-692-5447

ALASKA – Medicaid

http://health.hss.state.ak.us/dpa/programs/medicaid

COLORADO – Medicaid FLORIDA – Medicaid GEORGIA – Medicaid

INDIANA – Medicaid IOWA – Medicaid KANSAS – Medicaid

http://www.colorado.gov/hcpf www.flmedicaidtplrecovery.com http://dch.georgia.gov - Click on Health Insurance Premium Payment (HIPP) Healthy Indiana Plan for low-income adults 19-64 Website: http://www.hip.in.gov All other Medicaid - Website: http://www.indianamedicaid.com www.dhs.state.ia.us/hipp/ www.kdheks.gov/hcf/

(Outside of Anchorage): 1-888-318-8890 (Anchorage): 907-269-6529 1-800-221-3943 1-877-357-3268 404-656-4507

KENTUCKY – Medicaid LOUISIANA – Medicaid MAINE – Medicaid MASSACHUSETTS – Medicaid MINNESOTA – Medicaid MISSOURI – Medicaid

http://chfs.ky.gov/dms/default.htm http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 http://www.maine.gov/dhhs/ofi/public-assistance/index.html //www.mass.gov/MassHealth Website: http://mn.gov/dhs/ma/ http://www.dss.mo.gov/mhd/participants/pages/hipp.htm

MONTANA – Medicaid

http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP http://dhhs.ne.gov/Children_Family_Services/AccessNebraska/Pa NEBRASKA – Medicaid ges/accessnebraska_index.aspx NEVADA – Medicaid http://dwss.nv.gov/ NEW HAMPSHIRE – Medicaid http://www.dhhs.nh.gov/oii/documents/hippapp.pdf http://www.state.nj.us/humanservices/dmahs/clients/medicaid/ NEW JERSEY – Medicaid and CHIP CHIP Website: http://www.njfamilycare.org/index.html NEW YORK – Medicaid www.nyhealth.gov/health_care/medicaid NORTH CAROLINA – Medicaid http://www.ncdhhs.gov/dma NORTH DAKOTA – Medicaid www.nd.gov/dhs/services/medicalserv/medicaid OKLAHOMA – Medicaid and CHIP www.insureoklahoma.org http://www.oregonhealthykids.gov OREGON – Medicaid and CHIP http://www.hijossaludablesoregon.gov PENNSYLVANIA – Medicaid //www.dpw.state.pa.us/hipp RHODE ISLAND – Medicaid www.ohhs.ri.gov SOUTH CAROLINA – Medicaid http://www.scdhhs.gov SOUTH DAKOTA - Medicaid http://dss.sd.gov TEXAS – Medicaid https://www.gethipptexas.com/ UTAH – Medicaid and CHIP VERMONT– Medicaid

VIRGINIA – Medicaid and CHIP WASHINGTON – Medicaid WEST VIRGINIA – Medicaid WISCONSIN – Medicaid WYOMING – Medicaid 21

Medicaid: http://health.utah CHIP: http://health.utah.gov/chip.gov/medicaid www.greenmountaincare.org

1-877-438-4479 1-800-403-0964 1-888-346-9562 1-785-296-3512 1-800-635-2570 1-888-695-2447 1-800-977-6003 1-800-462-1120 1-800-657-3739 573-751-2005 1-800-694-3084 1-855-632-7633 1-800-992-0900 603-271-5218 Medicaid Phone: 609-631-2392, CHIP Phone: 1-800-701-0710 1-800-541-2831 919-855-4100 1-844-854-4825 1-888-365-3742 1-800-699-9075 1-800-692-7462 401-462-5300 1-888-549-0820 1-888-828-0059 1-800-440-0493 1-877-543-7669 1-800-250-8427

Medicaid: http://www.coverva.org/programs_premium_assistance.cfm Medicaid Phone: 1-800-432-5924, CHIP: http://www.coverva.org/programs_premium_assistance.cfm CHIP Phone: 1-855-242-8282 http://www.hca.wa.gov/medicaid/premiumpymt/pages/ index.aspx 1-800-562-3022 ext. 15473 http://www.dhhr.wv.gov/bms/Medicaid%20Expansion/Pages/def ault.aspx 1-877-598-5820, HMS Third Party Liability www.badgercareplus.org/pubs/p-10095.htm 1-800-362-3002 https://wyequalitycare.acs-inc.com/ 307-777-7531

IMPORTANT CONTACT INFORMATION Health & Welfare Plans Carrier/Vendor

Coverage

Member Services

Website

CIGNA

Medical

1-800-244-6224

www.mycigna.com

MetLife

Dental

1-800-942-0854

www.metlife.com/mybenefits

EyeMed

Vision

1-866-939-3633

www.eyemedvisioncare.com

CIGNA

Life & Disability

1-800-732-1603

www.cigna.com

CIGNA

Employee/Life Assistance Program

1-800-538-3543

www.cignabehavioral.com/cgi

CIGNA

Secure Travel

1-888-226-4567

Email: cigna@europassistance-usa.com

Teladoc

Telemedicine

1-855-835-2362

www.teladoc.com

Patient Care

Advocacy Program

1-800-640-1898

Www.patientcare4u.com

Colonial Life

Voluntary Benefits

1-800-325-4368

www.coloniallife.com

If you have any questions about your Employee Benefits Guide, please contact Human Resources. The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this Guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies, or errors are always possible. In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996.Turnberry Associates does not intend to terminate the plans described in this guide, however, the company reserves the right to amend or terminate the program in whole or in part at any time. This Benefit Guide is confidential and proprietary information of Willis Group Holdings. Any disclosure, copying or distribution is strictly prohibited.