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Employee Health Benefits Overview

  • 1. !"#$%&''()'*$+,(-'.'/0+1 2 3(4.054'(,'*$+,6*7'(1%$4+0%.
  • 2. 8,*+(01(,*##'.0.9(+%()'*$+,(-'.'/0+1 :79*.0;*+0%.1(*7'(0.67'*10.9( $%%<0.9(*+(10.9$'(=0.>%=(#*7+.'71( /%7()'*$+,(?(8'$$.'11 8,&@ A%1+(6%.1%$0>*+0%.( B0.9$'(=0.>%=(/%7( *$$(#7%97*""'1 39'.6&(6%1+( C%(+0"'(%7('//%7+(1#'.+(0.( 6%2%7>0.*+0%.(=0+,("4$+0#$'(*9'.60'1 D%7'(*66%4.+*E0$0+&( F%'1(0.G'1+"'.+( 0.()'*$+,(?(8'$$.'11(,*G'(+*.90E$'( E'.'/0+1(/%7(+,'(%79*.0;*+0%.
  •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
  • 6. !"#$%&''()'*$+,(W%7+*$( 8,*+(>%(J(9'+@ :.$0.'()'*$+,(X01<(311'11"'.+ YTZ[(F%6+%7(A%.14$+*+0%. D'>06*$(A%.60'79'(B'7G06'1 1#'60*$01+1 F0'+(?(C4+70+0%.(A%.14$+*+0%. !"#$%&''(31101+*.6'( W7%97*""'
  • 7. !"#$%&''()'*$+,(W%7+*$( %90.(W*9' !*1&(366'11](W%7+*$(E*1'>( '"#$%&''(,'*$+,(E'.'/0+1( #$*+/%7"( %90.(/7%"( *.&=,'7'(0.(+,'(=%7$>(*+( *.&+0"'(%/(+,'(>*& B'6470+&](F'$0G'7'>( +,7%49,(BB( &%47( 0./%7"*+0%.(01(1*/'(=0+,( 41
  • 8. !"#$%&''()'*$+,(W%7+*$( *.>0.9(#*9' 3$$(1'7G06'1(*7'(*(6$06<(*=*& B4##%7+'>(E&(YT()7(641+%"'7( 6*7'
  • 9. ^$*.6'(2 :.$0.'()'*$+,(X01<(311'11"'.+ ^'+(*(1+*+41(54%(%.(&%47(,'*$+,(/7%"( +,'(6%"/%7+(%/(,%"'(%7(%//06' W7%6'11(+*<'1(*("'7'(_P("0.4+'1(%/( &%47(+0"' A41+%"0;'>(54'1+0%.1M(>0//'7'.+( #'%#$'(9'+(>0//'7'.+(54'1+0%.1(E*1'>( %.(*.1='71(+%(#7'G0%41(54'1+0%.1
  • 10. !.+'7#701'()'*$+,(F*1,E%*7> ^'+('.+'7#701'("*67%2G0'=(/7%"(*( 10.9$'(#$*6'(0.(+,'(#%7+*$ ^'+(1#'60*$+&(=01'(E7'*<24#M(9'.>'7( =01'(E7'*<24#(*.>(*9'(=01'(E7'*<24# J>'.+0/&(+7'.>1(0.(G*70%41(701<(/*6+%71( *67%11(+,'(%79*.0;*+0%.(*.>(41'(+,*+( 0./%7"*+0%.(+%(1+746+47'(#7'G'.+0%.( #7%97*""'1(*67%11(+,'(&'*7 311'11(X:J(0.(+'7"1(%/(6,*.9'(0.( %79*.0;*+0%.*$(701<(0.>'Z(%G'7(*( #'70%>(%/(_(&'*7(
  • 11. ^$*.6'(2 0G'(A,*+(=0+,(*(F%6+%7M(YTZ[ ^'+(6%..'6+'>(=0+,(*(^'.'7*$( W,&1060*.(H^WI(=0+,0.(_U(1'6%.>1( C%("%7'(>70G0.9(+,7%49,(+7*//06(%7( .'6'11*7&( F016411(*$$("'>06*$(0114'1(+,7%49,(*( 6%"/%7+*E$'(6,*+(0.+'7/*6'(G'7&(10"0$*7( +%(^+*$< %7(*.&(%+,'7("'11'.9'7( 1'7G06' ^'+("'>06*$(*>G06'('0+,'7(/%7(1'$/(%7( /%7(/*"0$&("'"E'71(/7%"(*(54*$0/0'>( H3$$%#*+,&I(F%6+%7
  • 12. ^$*.6'(2 S0Z0.9(4#(*.(3##%0.+"'.+ S0Z(*.(*##%0.+"'.+(/%7(&%471'$/(%7(/*"0$&( "'"E'71(=0+,(*.&(>%6+%7(K(,%1#0+*$K( >0*9.%1+06(6'.+'7(*67%11(_TUU(($%6*+0%.1(0.( J.>0*(N A,'6<(G*70%41(>'+*0$1($0<'(*G*0$*E0$0+&K( 6%.14$+*+0%.(6,*79'1K(*//0$0*+0%.1(E'/%7'2 ,*.> ^'+(BDB(7'"0.>'71(%.(>*&(%/(*##%0.+"'.+(
  • 13. ^'+(*(A*$$(/7%"(+,'(F0'+0+0*. ^'+('Z#'7+(*>G06'(+%($%1'(='09,+(%7( 9*0.(='09,+ ^'+('Z#'7+(*>G06'(/%7(1#'60*$( 6%.>0+0%.1($0<'(F0*E'+'1M( )&#'7+'.10%.(%7(#7'9.*.6& !.147'(6%"#$0*.6'(+,7%49,(/%$$%=2 4#1M(1"1(7'"0.>'71(*.>("*0$( 7'"0.>'71(/7%"(%47(641+%"'7(14##%7+( +'*"
  • 14. B#'60*$01+(:#0.0%.(/7%"(B#'60*$01+1 ^'+('Z#'7+(%#0.0%.(/7%"(%47(#*.'$(%/( B4#'7(B#'60*$01+1(6%"#7010.9(E'1+20.2 6$*11(F%6+%71(/7%"(*67%11(TU(>0//'7'.+( 1#'60*$+0'1 ^'+(*>G06'('0+,'7(+,7%49,(#,%.'(%7(!2 "*0$( B#'.>(*>'54*+'(+0"'(=0+,(%47( 1#'60*$01+1(4.>'71+*.>0.9(*$$(*1#'6+1( %/(+,'("'>06*$(0114'(/7%"(+,'(6%"/%7+( %/(&%47(,%"'(%7(%//06'
  • 15. ^'+(*(A*$$(/7%"(+,'(A%4.1'$%7 F016411(G*70%41(6*7''7(7'$*+'>(0114'1( *.>(0.+'72#'71%.*$(0114'1(=0+,(%47( #*.'$(%/('Z#'70'.6'>(#1&6,%$%901+1 ^'+(*>G06'(*.%.&"%41$&(+,7%49,( #,%.'(%7(!2"*0$ B#'.>(*>'54*+'(+0"'(=0+,(%47( 6%4.1'$%7(/7%"(+,'(6%"/%7+(%/(&%47( ,%"'(%7(%//06'
  • 16. -*E&D*906](W7'9.*.6&(?(A,0$>6*7' 8'*$+,(%/(0./%7"*+0%.(/%7(#'%#$'(0.( +,'(*9'(97%4#(%/(YP2VP($%%<0.9(*+( 1+*7+0.9(*(/*"0$&(%7(.47+470.9(*(/*"0$& 366'11(0./%7"*+0%.(7'$*+'>(+%('*6,( =''<(%/(#7'9.*.6&M(*$$(+,'(=*&(+%( >'$0G'7& 366'11(0./%7"*+0%.(7'$*+'>(+%('*6,( "%.+,(%/(6,0$>(6*7'(4.+0$(V`+,("%.+,
  • 17. D%.+,$&(C'=1$'++'71 X'$'G*.+(0./%7"*+0%.( 6%"0.9(&%47(=*&('G'7&( "%.+, W7%/'110%.*$$&(=70++'.( *7+06$'1(*67%11(>0G'71'(+%#061 B,*7'(+,'"(=0+,(/*"0$&(*.>( /70'.>1
  • 18. 8,&(=%4$>(J(41'(0+@ 20)3'+,'4)"' 31(10"#$'(*1($%990.9( 0.+%(9"*0$ 5-"'!+,*'!6,* F0G'71'(1'+(%/( 1'7G06'1(*G*0$*E$'(*+(%.6'($%6*+0%. !&07087" 3G*0$*E$'(YT(,71(*.>(10.6'(0+( 01(*(#%7+*$M(#'%#$'(6*.(*66'11(0+(/7%"( *.&=,'7'M(*.&+0"' 9"+4#-',-':-$")+;"-+' !.*E$'( #7%/0$0.9(%/(6$0'.+(*.>(%Ea'6+0G'(01(+%( 1,%=(*.(0"#7%G'"'.+(0.(701<(#7%/0$'( *.>(,'.6'(X:J
  • 19. ://$0.'(*G*0$*E0$0+& :.$0.'(1'7G06'1(*7'(*G*0$*E$'(%.(#,%.'(*1(='$$ A*$$(%47(YT(,%47(641+%"'7(6*7'(*+(bR_2R[TUUcRPRV( %7(bR_2[[`UPUc`cY B,*7'(+,'1'(>'+*0$1(=0+,(&%47(/*"0$&("'"E'71(+%( ,'$#(&%47(1#%41'(*.>(>'#'.>*.+1(6%..'6+(+%(41( =,'.(+,'&(=*.+(+%
  • 20. ://$0.'(6*"#*09.("*.*9'"'.+ :.10+'(-0%"'+7061 :.10+'(d*660.*+0%.(W7%97*""' )'*$+,(e*$<1K(B'110%.1 fB'$'6+($%6*+0%.1
  • 21. !"#$%&''('.9*9'"'.+ D%.+,$&(C'=1$'++'7 )'*$+,(A,*"#( J>'.+0/&0.9(*.>( 7'=*7>0.9(,'*$+,&('"#$%&''1 S%%>(g(=%7<#$*6'( W*.+7&( 7'%79*.0;*+0%. B*/'+&(?(B*.0+*+0%.(*+(+,'( =%7<#$*6' :.10+'("*9*;0.'(14E1670#+0%.1
  • 22. )%=(0+(*$$(6%..'6+1 )%"'(2 ://06' :.$0.'(2 ://$0.'
  • 23. e,'(D*.*9'"'.+(+'*" <#='>4-07'!%-60?''@,4-/"#'0-/'A25 ^7*>4*+'>(/7%"(JJe(h*.#47M(8%7<'>(=0+,(J-D !Z#'70'.6'(%/(67'*+0.9(*.>(1'7G0.9("4$+0("0$$0%.(>%$$*7(*66%4.+1 !Z#'7+01'(0.(B*$'1(*.>(e'*"(E40$>0.9 (#='.86%70)6'B6%#4*0+63?'C%&"'D#")%/"-+' E4)%-"))'("$"7,*;"-+ e7*0.'>(F'.+01+ D-3(/7%"(JJD(46<.%= 8%7<'>(=0+,(i%,.1%.(*.>(i%,.1%. 5+6"#''B"0;'<";8"#)'F F7N(B%.*$ d'7"*M(D--BM(DF( W7'G'.+0G'()'*$+,M(8'$$.'11 F7N(A,*<7*E*7+,& D*;4">*7M(D--BM(jBD!( D'>06*$(:#'7*+0%.1 D7N(C0+'1, W*.+M(D-3( -410.'11(:#'7*+0%.1 D7N(W7*1,*.+(h4"*7M(JJe(h,*7*9#47 e'6,.06*$(:#'7*+0%.1
  • 24.
  • 25. e,*.<(k%4 (#='.86%70)6 B6%#4*0+63 bR_2GHIJHHKLMI ===N)'*$+,6*7'D*906N6%"K6%7#%7*+'2#%7+*$