BENEFITS YOU CAN COUNT ON
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BENEFITS YOU CAN COUNT ON | 2012. OUR COMMITMENT TO YOU | plans designed for your needs. Designed to recognize diverse needs Competitive and comprehensive benefits Provides plans based on individual needs

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BENEFITS YOU CAN COUNT ON | 2012

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Benefits you can count on 2012

BENEFITS YOU CAN COUNT ON |2012


Benefits you can count on 2012

OUR COMMITMENT TO YOU |plans designed for your needs

Designed to recognize diverse needs

  • Competitive and comprehensive benefits

  • Provides plans based on individual needs

  • Offer plans that provide long-termfinancial security for you and your family

    Benefit Basics

  • Elections you make now will remain in effect through December 31, 2012

  • You can only make changes if there is a“Life Event”

  • Changes must be made within 31 days of experiencing a Life Event

  • Review benefits – make decisions wisely


Benefits you can count on 2012

OUR COMMITMENT TO YOU |plans designed for your needs

Life Events

  • Change in marital status, employment, number of dependents and residence

  • Dependent’s employer’s Annual Enrollment

  • HIPAA special enrollment rights

  • FMLA special requirements

  • Entitlement to Medicare or Medicaid


Benefits you can count on 2012

OUR COMMITMENT TO YOU |plans designed for your needs

Eligibility

You are eligible for most of the benefits described in this presentation as of the 31st day of employment if you are a regular full-time employee

Spouse or domestic partner and dependent children are eligible for some of the benefits including:

  • Medical & Prescription Drug Coverage

  • Dental Coverage

  • Optional Life Insurance

  • Flexible Spending Accounts

  • Employee Assistance Program


Benefits you can count on 2012

YOUR BENEFITS | who pays for what?

Your Benefits and Your Costs


Benefits you can count on 2012

ImportantNote!

MEDICAL BENEFITS | cost effective peace of mind

It is important to note that while the plan may not require you to use a primary care physician, it remains your responsibility to make sure you are using an in-network provider in order to enjoy the benefits of the Plan’s in-network benefit schedule.


Medical key benefits

MEDICAL | Key Benefits

  • $20 co-pay / office visit (in-network provider)

  • 90% coverage for network expenses, after the individual annual deductible of $200/$600 family, and 70% coverage for non-network expenses after the individual annual deductible of $400/$1,200 family

  • Network annual maximum out-of-pocket is $600 ($800 including deductible) per person or $1,800 ($2,400 including deductible) per family

  • Non-network annual maximum out-of-pocket is $1,800 ($2,200 including deductible) per person or $5,400 ($6,600 including deductible) per family

  • Working spouse/domestic partner provision


Medical key benefits1

MEDICAL | Key Benefits

  • $100 co-pay for Emergency Room

  • $35 co-pay for Urgent Care Facility

  • $20 co-pay for Outpatient Physical Therapy, with an annual maximum benefit of 40 visits

  • $20 co-pay for Outpatient Chiropractic Care, with an annual maximum benefit of 40 visits

  • $20 co-pay for Outpatient Mental Health/Substance Abuse, with an annual maximum benefit of 50 visits

  • $20 co-pay for Well Child Care Visits

  • $20 co-pay for Routine GYN Visit

  • 100% coverage for Preventive Care for Employee and dependents age 12 and older – Exam and all tests required due to age and family history

  • $20 for Routine Eye Exam – 1 exam every two years


Why use a network provider

Here's why you get the most from your plan when you choose network providers:

$20 office visit co-pays

The plan pays 90% after you pay your medical deductible.

The plan pays 100% for covered services when you see a network provider, and you don’t have to pay a deductible or coinsurance.

A network provider won’t bill you for more than the allowed amount.

You won’t have to file a claim if the plan is your primary coverage.

Why use a Network Provider?


Using non network providers costs you more

Non-network providers are providers who do not contract with the United Healthcare networks.

The plan pays only 70% of the allowed amount to non-network providers. The allowed amount is the amount network providers agree to accept as payment in full. Non-network providers can charge more than the allowed amount, so you will pay 30% of the allowed amount plus anyamount a non-network provider charges above the plan’s allowed amount.

Using Non-Network Providers Costs You More


Benefits you can count on 2012

MEDICAL BENEFITS | cost effective peace of mind

Prescription Drug Plan

  • Medco is the Plan administrator

  • Accepted at all major pharmacies

  • Mail order available for maintenance prescriptions


Myuhc com

myuhc.com

  • Find network doctors/hospitals

  • Estimate costs

  • Track claims status

  • Build a health improvement program

  • Keep a Personal Health Record

  • Get health product discounts

  • Review plan details

  • 24/7 information at myuhc.com

  • Choice Plus Network (866-844-4864)


Myuhc com services

myuhc.com - services

  • UnitedHealth Premium designation program - Providers are evaluated based on objective data. The program identifies those offering evidence based medicine. Follow the stars!

  • NurseLine - Offers access to experienced registered nurses 24/7.

  • Personal Health Support - Offers support to those with chronic conditions. Those who qualify are assigned a Personal Health Support nurse.

  • United Behavioral Health - Offers support for a wide range of personal issues. Assists with identifying a provider and monitors care. Visit www.liveandworkwell.com for a list of providers.

  • Healthy Pregnancy Program - Risks or special needs are identified and a nurse ensures appropriate care is received.

    24 hour access to experienced nurses. Customized maternity education materials.


Benefits you can count on 2012

ImportantNote!

DENTAL BENEFITS | keeping you healthy

Dental Benefits– offered through MetLife

Your Dental Plan covers four main types of expenses:

  • Preventive/diagnostic care - routine exams and cleaning, fluoride treatments, sealants and X-rays

  • Basic treatment - simple fillings and extractions,root canals, oral surgery and gum disease treatment

  • Major treatment - crowns and dentures

  • Orthodontia

This chart shows how much you pay for certain products and services. Keep in mind, if your doctor charges more than the Plan’s “reasonable and customary” charge, you may be required to pay the extra amount.

www.metlife.com/mybenefits


Contributions

CONTRIBUTIONS


Benefits you can count on 2012

YOUR BENEFITS | core benefit solutions that work for you

Basic Life Insurance - provided through MetLife

IMG provides all eligible employees with a basic life benefit at no cost to you.

Benefit Amount:

1 x salary to a maximum of $750,000 without medical underwriting or up to $1,000,000 with medical underwriting.

IMG pays 100% of the cost of this coverage


Benefits you can count on 2012

LIFE BENEFITS | there when you need it

Optional Life Insurance – provided by MetLife

If you want additional protection for you and your family, you can buy:

31 days to enroll, after 31 days subject to medical underwriting


Benefits you can count on 2012

YOUR BENEFITS | core benefit solutions that work for you

Business Travel Accident – provided through AIG

  • 24 hour worldwide business travel protection.

  • Provides $250,000 to your beneficiary in the event of an accident while traveling on business that results in your death

  • Provides up to $250,000 to you in the event of an accident while traveling on business that results in dismemberment or loss of eye sight

    IMG pays 100% of the cost of this coverage


Benefits you can count on 2012

YOUR BENEFITS | core benefit solutions that work for you

Long Term Disability – provided by MetLife

  • Eligible employees are enrolled on the first of the month following 30 days of employment at no cost to the employee

  • Covers 50% of monthly base salary with a maximum monthly benefit of $5,000

  • Benefit payable after 180 days of disability until no longer disabled or the at most to age 65

  • Partial disability benefit payable if employee experiences at least a 20% reduction in pay after a period of disability

IMG pays 100% of the cost of this coverage


Benefits you can count on 2012

FINANCIAL BENEFITS | there when you need it

Flexible Reimbursement Accounts – Administered by UHC

A Flexible Reimbursement Account works like a savings account. Upon enrollment, a pre-tax payroll deduction is deposited into your Flex Spending and/or Dependent Care Assistance Account each pay period.

Unclaimed balances in a Flexible Reimbursement Account at the end of the plan year are forfeited and not returned to you. Please give careful thought to your election . Be conservative in your estimated annual expenses. Contributions are automatically deducted from your paycheck on a pre-tax basis.


Benefits you can count on 2012

YOUR BENEFITS | core benefit solutions that work for you

Employee Assistance Program (EAP)

  • Employee assistance for everyday problems, as well as mental health and substance abuse treatment

  • Will direct you to a professional that best suits your needs

  • Five free visits per problem occurrence

  • Calls are confidential

    24 hours per day – 7 days per week

    (800) 227-6007

    www.impactemployeeassistance.com


Benefits you can count on 2012

FINANCIAL BENEFITS | there when you need it

401(k) Retirement Plan

The IMG 401(k) Plan makes saving for retirement easy and painless.

  • Employees are eligible on the 1st day of the month following 12 months and 1,000 hours of service.

  • IMG will contribute 3% of your earnings as a non-elective contribution to your account. You receive 3% regardless of your participation!

  • IMG contributions are subject to immediate and full vesting!

  • You can contribute up to $17,000 in 2012 to the plan on a pre-tax or after-tax basis. If you are age 50 or older as of 12/31/2012, you can contribute an additional $5,500.

  • Where to invest your savings - in any one or all of the Plan's 10 professionally managed funds covering the spectrum of the investment market.

Vanguard is the record keeper and Trustee of the Plan


Benefits you can count on 2012

How to Enroll |

Online Benefits Portal


Benefits you can count on 2012

How to Enroll |

Online Benefits Portal


Benefits you can count on 2012

NEED ADDITIONAL INFORMATION? | reference for benefit needs

Thank you for your attention to this important enrollment presentation.

If you need additional information or if you have any questions, please contact the Employee Benefits Department in the IMG Cleveland office

If there is ever a question about one of these plans, or if there is a conflict between the information in this guide and the formal language of the Plan documents, the formal wording in the Plan documents will govern.

Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of IMG.


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