E mployee

R etirement

I ncome

S ecurity

A ct

M inimum

E ssential

C overage

Essentials Plus designed to be ACA Compliant

Affordable

Avoids ACA Employer Penalty for failure to provide Minimum Essential Coverage

$2000 x Total Number of Full Time Employees minus 80 beginning 1/1/2015

Avoids ACA Individual Penalty for failure to enroll in Minimum Essential Coverage

$95/adult plus $47.50/child or 1% of adjusted household income which ever is greater beginning 1/1/2014

and escalating to $695/adult plus $347.50/child or 2.5% of adjusted household income beginning 1/1/2016

Covers all Preventive Services as recommended by the ACA

15 Preventive Services for Adults

22 Preventive Services for Women

26 Preventive Services for Children

Network Discounts for covered in-network medical services

Flexible cost sharing allows Employers to contribute as much or as little as they would like

toward employee premiums

Employer plan options to match employer’s claims risk tolerance

Level monthly funding options with available aggregate reinsurance

Traditional Self-Funding options available

First Dollar Coverage for: Physician Visits, Hospitalization, Surgeries, Intensive

Care. Diagnostic Testing and Wellness

Additional Accident Benefits for: Emergency Room, Ambulance and Imaging

Including: Pharmacy Benefits. TeleDocTM ,Legal Plan, ID Protection, Dental, Vision,

Hearing, Roadside Assistance, Weight Loss, Smoking Cessation, Counseling,

Alternative Care, Fitness Club, Chiropractic and Infertility Services

Accidental Death and Dismemberment

Guaranteed Issue for All employees - Pre-Existing Conditions Covered

HIG

HLI

GH

TSH

IGH

LIG

HTS

HIG

HLI

GH

TS

AVOID AFFORDABLE CARE ACT PENALTIES BENEFIT WITH FIRST DOLLAR COVERAGE

COVER PREVENTIVE CARE AT 100%

SAY SAY SAY NONONO TOTOTOPENALTIESPENALTIESPENALTIES