summary of benefits available to

Regular full time employees are eligible to participate on the first day of the month following 90 days of continuous employment. Medical coverage includes prescription coverage and is available for Employee Only or Family. Employee contributions are made through payroll deduction.

Medical Insurance (PPO) - Anthem Blue Cross Blue Shield

Base Plan

Deductible of $1,000 in-network / $2,000 out-of-network
Coinsurance of 70% in-network / 50% out-of-network
Out-of-pocket maximum of $5,000 in-network / $10,000 out-of-network
Office visit co-pay of $30 in-network / deductible & co-insurance out-of-network
Prescription deductible of $100 per participant & co-pays of $20/$40/$60
Vision Savings Eye care Program
Weekly premiums of $26.00 Employee Only/$78.00 Family

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Buy-Up Plan

Deductible of $500 in-network / $1,000 out-of-network
Coinsurance of 80% in-network / 50% out-of-network
Out-of-pocket maximum of $3,000 in-network / $10,000 out-of-network
Office visit co-pay of $20 in-network / deductible & co-insurance out-of-network
Vision Savings Eye care Program
No prescription deductible for participant & co-pays of $10/$30/$50
Weekly premiums of $36.00 Employee Only/$98.00 Family

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Dental Insurance - MetLife

Deductible of $50 Employee Only/$150 Family (in-network or out-of-network)
Out-of-pocket maximum per person combined in- and out-of-network of $1,500 in-network/$1,000 out-of-network
General/Restorative covered at 20% co-insurance after deductible
Endodontics/oral surgery covered at 50% co-insurance after deductible
Periodontal/prosthodontal covered at 50% co-insurance after deductible
Orthodontics )dependent children up to age 19) covered at 50% to $1,000 lifetime maximum
Weekly Dental Premiums - $3.65 Employee Only/$10.40 Family

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Short-Term Disability – Prudential Financial

Benefits begin on the 15th calendar day following injury or sickness
The maximum benefit period is 11 weeks
Coverage amount is 50% of your base salary up to a maximum of $600 per week.
Rates are based on an employee's current age (adjusted each year on the plan anniversary date) and salary

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Long-Term Disability - Prudential Financial

Benefits begin after 90 days of total disability (as defined in the insurance contract)
Coverage amount is 60% of your base salary to a maximum of $5,000 per month. Other forms of income may reduce LTD benefits
Drivers may select either a 2-year or 5-year benefit
Rates are based on which benefit is selected (2 year or 5 year), an employee's current age (adjusted each year on the plan anniversary date) and salary.

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Term Life – Prudential Financial