benefits enrollment guide 2013 - chg healthcare...

CHG Healthcare Services Benefits Enrollment Guide 2013

Health & Wellness

© CHG Healthcare 2013/09 BEN-039 V-5

CHG Benefits Enrollment Guide2

CHG Benefits Among the Best in Our Industry!At CHG, as part of our commitment to our No. 1 core value of Putting People First, we offer a complete compensation package for you. In addition to competitive salaries and a unique and rewarding work environment, we also provide a comprehensive benefits package that is among the best in the healthcare staffing market. In fact, CHG has been recognized by Fortune magazine’s 100 Best Companies to Work For for the last three years and the Utah Council for Worksite Health Promotion has awarded us the silver Healthy Worksite award for our innovative benefits and wellness programs.

Table of ContentsBenefits at a Glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Healthcare Benefits Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Enrollment Process — New Hire or Open Enrollment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Making Benefits Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Medical Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Teladoc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Patient Care. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Dental Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Vision Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Flexible Spending Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Mass Transit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

401(k) Retirement Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Short-term Disability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Long-term Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Basic Life & AD&D . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Supplemental Term Life Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Supplemental AD&D Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Critical Illness Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Auto & Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Tuition Reimbursement Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Employee Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Special Needs Planning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Paid Time Off & Holidays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

CHG Wellness Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Contact List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

(800) 811-1796 benefits.chghealthcare.com 3

Benefits at a GlanceThis table provides a summary of the benefits available to you in 2013. You may also use it to track your benefit elections as you go through the enrollment process. CHG contributes towards the cost of many of these benefits. The benefits that are checked are 100 percent paid by CHG and you are automatically enrolled. Remember that this brochure is a summary only and lists benefits for in-network service. Please refer to the plan documents for full details.

HEALTHCARE BENEFITS*

q High medical plan Premier PPO plan with a $300 individual deductible, 90% co-insurance, $20 primary care copay, 3 tier Rx benefit and 100% preventive care coverage

q Low medical plan Traditional PPO plan with a $600 individual deductible, 70% co-insurance, $25 primary care copay, 3 tier Rx benefit and 100% preventive care coverage.

q Dental insurance $50 deductible, 100% coverage for preventive careq Vision $5 copay for eye exams and allowances for glasses and/or contactsq Teladoc Consult with a doctor from the comfort of your own homeq Patient Care Independent advocates research and resolve your insurance issues

FLExIBLE SpENdING ACCOuNTS

q Medical Pre-tax deductions for eligible healthcare expenses q Dependent daycare Pre-tax deductions for eligible daycare expenses q Mass transit Pre-tax deductions for eligible mass transit commuter expenses

401(k) RETIREmENT pLANS By FIdELITy

q Traditional 401(k) Pre-tax contributions matched at 50% of the first 5% you contributeq Roth 401(k) Post-tax contributions matched at 50% of the first 5% you contribute

INCOmE REpLACEmENT

q Long-term disability Income replacement for extended illnessq Short-term disability Income protection for yourself for disabilities up to 13 weeks

LIFE INSuRANCE

q Basic life and AD&D Automatic Life and AD&D policies equal to one year’s salaryq Supplemental life insurance Available for yourself, your spouse and your childrenq Supplemental AD&D Covers Accidental Death & Dismemberment of you and your family q Auto & home insurance Individual auto and home products offered at a group rateq Pet insurance Medical and preventive care coverage options for your pets

WORk/LIFE BENEFITS

q Tuition reimbursement Up to $3,000 per year for eligible education expenseq Employee Assistance Program Confidential resource for behavioral, financial and legal assistance q Special needs planning Financial planning for families with dependents with special needs q PTO, EIB and holidays Generous paid time off policies including 10 paid holidays

WELLNESS pROGRAmS

q WellnessPays Earn a discount on medical insurance premiumsq CHG maternity and paternity Support during maternity and paternity leaveq Wellness Fair Free health screenings for all employeesq Tobacco cessation Covers smoking-cessation drugs to help you quitq Rock Your Body Weight-loss and fitness competition with incredible prizesq Breast cancer awareness Information and preventive screenings for breast cancer

* Benefits quoted are for in-network services. 4 - If you decide to participate, CHG offers these programs at no cost to you.

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Eligibility for Healthcare BenefitsIf you are a regular, full-time employee averaging at least 30 hours per week, you are eligible to participate in CHG’s health insurance and benefits program. Your coverage is effective the first of the month following date of hire, and you must complete your enrollment elections online within 30 days of your effective date (see enrollment process). Your benefit coverage ends on the last day of the month in which employment terminates.

Covering dependentsIf you enroll in coverage, you may also cover your eligible dependents:

• Yourlegalspouse(unlessyouarelegallyseparated).

• Your registered domestic partner (same or oppositegender) and any domestic partner children.

• Your married and unmarried children under age 26,including biological children, step-children, adopted children and children for whom you are the legal guardian.

• Your dependent children, ages 26 or older, primarilysupported by you and totally disabled and unable to sustain employment because of a physical or mental ailment.

domestic partner CoverageCHG welcomes your same or opposite sex domestic partner and his or her dependents to participate in CHG’s healthcare coverage. A domestic partner is someone not related to you with whom you share financial interdependence. Please call the benefits team if you have questions about your status as a domestic partner and how to register with a government entity.

ImpORTANT information pertaining to domestic partner coverage:

1. According to U.S. tax law, your deductions for your domestic partner must be deducted post-tax. Additionally, contributions by CHG toward domestic partners are treated as income and thereby must be taxed by CHG.

2. Domestic partners and their children are not eligible for special enrollment rights or COBRA coverage.

Enrollment process - New Hire or during Open EnrollmentEnrolling in benefits is an important and time-sensitive part of your orientation. As a new employee, your benefits are effective on the first day of the month following your hire date. You must complete your elections within 30 days of your employment start date. If you are an existing employee you may participate each year in the open enrollment period. Changes made during Open Enrollment are effective on January 1. To make changes as a new hire or during Open Enrollment, please follow the steps below.

1 Review your options and decide on the best plans for you and your family.

2. For your convenience, CHG provides an online benefits enrollment system. All employees must actively elect or decline benefits. You will be able to access the enrollment link on the Monday following your hire date or during the designated open enrollment period.

a. Go to the benefits home page and click on the enrollment link, “Enrollment portal for new employees and address changes” or “Enrollment portal” on the right. The page is accessible from home without a password at http://benefits.chghealthcare.com (no www).

b. Log in to the enrollment system

i. Your username is the first six letters of your last name followed by the last four digits of your social security number. If you have fewer than six digits in your last name, just use your whole last name.

ii. The first time you enter the enrollment site, our password is the last four digits of your social security number. You’ll change this the first time you log in. If you cannot recall your password, click on the “Forgot user name or password” link. If you are still unable to access the site please call the benefits team at 1-800-811-1796.


c. Verify your address and update it as needed.

d. Enter your eligible dependents; birth dates and social security numbers are required.

e. Elect or decline each benefit for you and any dependents.

f. Designate beneficiaries for company-paid life insurance and any voluntary benefits.

g. Review and finalize your elections. You may print or save your confirmation statement as proof of your enrollment.

3. Refer to the new-hire checklist page on the CHG benefits intranet for important information about your new benefits, including instructions to register for your individual medical, dental, vision and FSA accounts.

4. You may set up 401(k) contributions, investment elections and beneficiaries anytime at www.401k.com.

Important: mandatory New Hire Enrollment

You are required to complete your online benefits enrollment even if you are waiving all coverage. You may elect to waive all coverage on the online enrollment system but you still need to provide beneficiary information for the company-paid life insurance policy and 401(k) account.

making Benefit ChangesEach fall, Open Enrollment allows you to make changes to your benefits for the following year. During the year, events in your life may impact your benefit needs. If these events qualify as a change of life event and you are an active employee, you may be allowed to make changes to your benefits mid year. Changes to your benefits must be consistent with the change of life event. For example, if you have a baby or adopt a child, you may add him or her to

your current plan, but you would not be able to change to a different medical plan. You also have a responsibility to meet the timeline and documentation requirements that are written and governed by the IRS for life events such as:

• Change in legal marital or domestic partner status:marriage, divorce, legal separation, etc.

• Changeinnumberofdependents(asdefinedbySection125 of the IRS Code): birth, adoption, etc.

• Change in employment status: termination orcommencement of employment by the employee’s spouse, domestic partner or dependent

• Gainorlossofothercoverage

The requirements for change of life events are dictated by the IRS and the plan document. If you and/or your family members experience any of the change of life events listed above, documentation to support the change must be received by the benefits team within 30 days of the event. Due to IRS code, we are not able to make exceptions to this rule. No changes can be made to your benefits until this documentation is received. If you are missing documentation, it is important that you contact the benefits team to discuss the best way to proceed. You will be responsible for paying all premium costs for your coverage from the date of change.

medical plan OptionsCHG offers two medical options through Cigna. If you reside in Utah you are offered both the high and the low plan through either Cigna or SelectHealth. Both are competitive, preferred provider organization (PPO) plans that offer different advantages depending on your unique health and financial situation. While the plans resemble one another very closely, there are differences between Cigna and SelectHealth - including but not limited to in-network providers, prescription formulary and plan design.

• The high plan has a $300 individual deductible. If you receive services from an in-network provider, in most cases, you will be responsible for 10 percent of the bill after the deductible. Primary care office visit copays are $20, and specialist visit copays are $40. Preventive care is covered at 100 percent.

HOmE AddRESS updATE

Please be sure the benefits team has your most up-to-date address. You can change your address anytime online through the online enrollment system. This is important in processing your healthcare claims and sending time sensitive healthcare information!


• The low plan has a $600 individual deductible. If you receive services from an in-network provider, in most cases you will be responsible for 30 percent of the bill after the deductible. Primary care office visit copays are $25, and specialist visit copays are $50. Preventive care is covered at 100 percent.

With both plans, you always have the freedom to choose your provider. However, when you use in-network providers, you receive the highest level of benefits.

prescription Coverage • Both plans offer the same 3-tier prescription benefit.

You will pay a $10 copay for tier 1 drugs. Tier 1 drugs are not necessarily generic. Both Plans use a managed formulary that assesses a drug’s efficacy and cost to determine tier assignment. You will pay 25 percent of the entire cost of the drug up to $30 for Tier 2 drugs, and 50 percent of the cost of the drug up to $60 for Teir 3 drugs.

• Pleaseconsulttheprescriptiondruglist(PDL)byvisitingthe CHG benefits website at benefits.chghealthcare.com.

• Amailorderservicethatdeliversathree-monthsupplyof your prescription to your home for a two-month copay is also available. Below are more details about the high and low plan options and pharmacy coverage.

Both plans use several programs to help control cost for our members while increasing compliance of care. These programs include, but are not limited to:

• Progression Rx (step therapy) - drugs with desiredefficacy and lower cost are started, when these do not work, the next level of drug is approved by the plan.

• SupplyLimits-thedosageapprovedthroughtheplanis consistent with the approved dosage determined by the drug manufacturer or FDA.

• Specialty Pharmacy Program - Certain medicationsincluding biotech and specialty drugs that require injection must be accessed through a specialty pharmacy. These drugs include, but are not limited to, Embrel, Humira and Saizen.

If you encounter a prescription that is not covered by Cigna or SelectHealth that is required to treat your condition, please consult with your pharmacy, Cigna, SelectHealth or the CHG benefits team to file an appeal.

medical plan/Tieryour 2013 premiums*

your 2013 Wellnesspays premiums*

High – Employee only $65.60 $62.32

High +1 $128.82 $122.38

High – Family $212.66 $202.02

Low – Employee only $39.42 $37.44

Low +1 $80.56 $76.54

Low – Family $147.86 $140.47

* Premiums are per paycheck


Effective date: January 1, 2013 Renewal date: January 1, 2014

Low plan* High plan*

In-Network Benefits

Out-of-Network Benefits

In-Network BenefitsOut-of-Network

Benefits

General plan InformationAnnual deductible/individual $600 $1,800 $300 $900

Annual deductible/family $1,800 $5,400 $900 $2,700

Coinsurance 70% AD 50% AD 90% AD 70% AD

Primary care office visit $25 copay 50% AD $20 copay 70% AD

Outpatient specialist office visit $50 copay 50% AD $40 copay 70% AD

Annual out-of-pocket limit/individual $4,100 $7,800 $2,300 $3,400

Annual out-of-pocket limit/family $8,800 $17,400 $4,400 $7,700

Deductible included in out-of-pocket limits? Yes Yes Yes Yes

most Commonly used Benefitspreventive Care ServicesWell child care, well woman care, adult preventive care, immunizations

100% 50% AD 100% 70% AD

physician’s Office Services (Sickness & Injury)Primary care physician office visitSpecialist physician office visitMinor diagnostic labs and x-raysIn-office surgeries, treatments & procedures

$25 copay$50 copay

Included with copay70% AD

50% AD50% AD50% AD50% AD

$20 copay$40 copay

Included with copay90% AD

70% AD70% AD70% AD70% AD

maternity CareFirst visit to OB-GYNPre-natal care and delivery

$25 copay70% AD

50% AD50% AD

$20 copay90% AD

70% AD70% AD

urgent CareUrgent care visitMinor diagnostic labs and x-raysIn-office surgeries, treatments & procedures

$50 copayIncluded with copay

70% AD

50% AD50% AD50% AD

$50 copayIncluded with copay

90% AD

70% AD70% AD70% AD

Emergency Health ServicesEmergency room careAmbulance - air or ground

$100 copay70% AD

$100 copay70% AD

$100 copay90% AD

$100 copay90% AD

Lab and x-Ray ServicesPhysician office, ER and urgent careAdvanced/Major radiolocical imaging(MRI, MRA, CAT scan, PET scan, etc.)

Included in office copay70% AD

50% AD30% AD

Included in office copay90% AD

70% AD70% AD

prescription drug BenefitsRetailTier 1 - GenericTier 2 - Preferred Brand NameTier 3 - Non-preferred Brand Name

$10 copay25% (max $30 copay)50% (max $60 copay)




mail Order Tier 1Tier 2Tier 3


Not applicableNot applicableNot applicable

$20 copay25% (max $30 copay) 50% (max $60 copay)

Not applicableNot applicableNot applicable

*Utah residents may select either plan through Cigna or SelectHealth


Effective date: January 1, 2013 Renewal date: January 1, 2014

Low plan* High plan*

In-Network Benefits

Out-of-Network Benefits

In-Network BenefitsOut-of-Network

Benefits

Hospital ServicesInpatient hospital services 70% AD 50% AD 90% AD 70% AD

Outpatient surgical services 70% AD 50% AD 90% AD 70% AD

Pre-service notification required? No Yes No Yes

Semi-private room, board, services & supplies

70% AD 50% AD 90% AD 70% AD

mental Health and Alcohol & Substance AbuseOutpatient office visits $25 copay 50% AD $20 copay 70% AD

Inpatient and intermediate care 70% AD 50% AD 90% AD 70% AD

Other Services and SuppliesHome healthcare (max 60 visits per year) 70% AD 50% AD 90% AD 70% AD

Skilled nursing facility (max 120 days per year) 70% AD 50% AD 90% AD 70% AD

Hospice 70% AD 50% AD 90% AD 70% AD

Durable medical equipment 70% AD 50% AD 90% AD 70% AD

Hearing aids ($5,000 lifetime max) 70% AD 50% AD 90% AD 70% AD

Outpatient Rehabiliative Therapy ServicesPhysical, occupational, pulmonary and speech therapy (limited to 20 visits each therapy )

$25 copay 50% AD $20 copay 70% AD

Chiropractor (limited to 20 visits) $25 copay 50% AD $20 copay 70% AD

Cardiac rehabilitation (limited to 36 visits) $25 copay 50% AD $20 copay 70% AD

Post-cochlear implant aural therapy (limited to 30 visits)

$25 copay 50% AD $20 copay 70% AD

The above information is intended as a benefit summary only. It does not include all of the benefit provisions, limitations, and qualifications.If this information conflicts in any way with the contract the contract will prevail. AD means after the deductible is met.

*Utah residents may select either plan through Cigna or SelectHealth.


Teladoc physician Consultation Service*Teladoc is a physician telephone consultation service available 24 hours, seven days a week. This network of board-certified primary care physicians is available to diagnose non-emergency medical problems, recommend treatment and, if necessary, prescribe medication. You can reach Teladoc by calling 1 (800) TEL-ADOC (835-2362).

Employees do not have to have CHG medical insurance to take advantage of Teladoc’s services.

When Should I use Teladoc?Call Teladoc whenever you or someone in your family, including children, has a non-emergency medical issue:

• Whenyourprimarycarephysicianisnotavailable

• Withnon-emergencyrelatedmedicalissues,questionsor concerns

• Whenyouwantasecondopinion

• Forlimitedrefillsonshort-termprescriptions

• Ifyouaretravelingandneedmedicalcare

How do I use Teladoc?CHG has already registered all employees for Teladoc. To get started, all you have to do is visit www.Teladoc.com.

• Fill out the online medical history, which acts as amedical clipboard for the physician.

• WatchforyourwelcomekitandIDcardinthemail.

• Call 1 (800) TEL-ADOC (835-2362) when you aresuffering from a short-term, non-emergency illness at home or on the road. A parent or guardian must be present for all pediatric consults.

• Receiveacallbackwithinabout45minutesfromastate-licensed, board-certified physician who will provide you with treatment and prescriptions (if needed).

What does Teladoc Cost?Teladoc costs $38 per call and CHG will pay for one consult for you or a family member. Using Teladoc may be a more

cost-effective alternative to going to an urgent care facility, and provides convenient access to medical care whenever and wherever you need it. Because Teladoc is not affiliated with our medical plans, the $38 fee is the only charge. Claims will not be filed with Cigna or SelectHealth.

*Teladoc is not currently offered in Oklahoma because it has not been endorsed by the Oklahoma State Medical Board. Although Teladoc is licensed in all 50 states, Teladoc has made a corporate decision to seek and receive state approval before offering the service to residents of Oklahoma.

patient Care Healthcare Advocacy ServicePatient Care is a national healthcare advocacy service with specialists ready to help answer your medical, dental, vision and flexible spending account (FSA) questions and issues. The advocacy program is essentially a help line that works as a go-between with you, the insurance company and your healthcare provider to resolve your healthcare issues promptly and help you become a better healthcare consumer. Patient Care advocates are experienced in the healthcare industry and will be able to dedicate the time necessary to get your issues (both old and new) resolved accurately and quickly.

patient Care Can Help:• AnswerquestionsaboutyourbenefitsatOpenEnrollment

• Explainandeducateonhowtobestuseyourbenefits

• Resolveclaimsandbillingissues

• Clarifythetotalandout-of-pocketcostsforservices

• Provide cost and quality comparisons for upcomingelective procedures to help you make informed decisions

• Negotiatewithnon-networkproviderswhennecessary

• Assistwithreferralsandpriorauthorization

• Helpwithappealsandgrievances

This service is free for you and your dependents regardless of whether you enroll in CHG medical insurance. Simply call (866) 253-2273 and let them know you are a CHG employee.


dental BenefitsTo help you get the dental care you need, CHG offers comprehensive dental coverage through MetLife, a dental preferred provider organization (DPPO), and CHG pays more than 50 percent of the cost of your dental coverage.

If you enroll, this benefit pays 100 percent for preventive care, including two cleanings and exams per member per year. Basic services like fillings and extractions are covered at 80 percent after your $50 individual deductible. Major services are covered at 50 percent after the deductible, and all services are subject to a $1,500 annual maximum.

Covered dental Services

Covered Services Covered Level

Annual deductible $50 individual, $150 family

Benefit maximum per person $1,500

Class 1 - Preventive care (i.e., checkups, cleanings) 100%, deductible waived

Class 2 - Basic restorative (i.e., fillings, root canals, extractions) 80% after deductible

Class 3 - Major restorative (i.e., crowns, bridge work) 50% after deductible

Class 4 - Orthodontia – (only for dependents under 19) 50%, $1,000 lifetime max

You may visit any dentist of your choice, but choosing an out-of-network dentist costs you more money. In-network dentists contract with MetLife to accept a reduced rate in exchange for being a preferred provider. Non-network dentists often charge significantly higher rates, so MetLife only reimburses 90 percent of the reasonable and customary (R&C) amount – this is the average rate for a specific procedure in a specific geographic area. You are responsible to pay any charges above the 90 percent of R&C.

Cost for dental Coverage (per pay period)

dental Tier your 2013 premiums

dental – Employee only $9.89

dental +1 $20.12

dental – Family $33.45

FINd AN IN-NETWORk dENTIST

To find an in-network dentist through MetLife’s Preferred Dentist Program, go to www.metlife.com and click “Find a Dentist” in the blue menu on the right of your screen.


Vision planThe vision plan covers refractory eye exams and glasses and/or contact lenses per the schedule of benefits below. Our EyeMed plan uses the Select network, with thousands of major retail and independent providers across the country. The vision benefit allows one eye exam with new eyeglass lenses or contact lenses every 12 months. A new pair of frames is covered every 24 months.

Covered Vision Services

Vision Care Services In-network member Cost Out-of-Network Reimbursement

Vision Exam $5 copay Up to $30

Frames $100 Allowance, 80% of balance over $100 $45 Allowance

Standard plastic LensesSingle visionBifocalTrifocalLenticularBasic progressive

$5 copay$5 copay$5 copay$5 copay$70 copay

Up to $25Up to $40Up to $55Up to $55Up to $40

Lens OptionsUv coatingTint (solid and gradient)Standard scratch-resistanceStandard polycarbonateStandard anti-reflective coatingOther add-ons and services

$15 copay$15 copay$0 copay$40 copay$45 copay20% off retail price

Not coveredNot coveredUp to $5Not coveredNot coveredNot covered

Contact LensesConventionalDisposableMedically necessary

$115 allowance, 85% of balance over $115$115 allowance, plus balance over $115$0 copay, paid in full

Up to $100Up to $100Up to $200

Other ServicesLasik and PRK procedures Second pair of glasses

15% off retail price or 5% off promotional priceUp to 40% discount

Not coveredNot covered

Cost for Vision Coverage (per pay period)

Coverage Vision plan

Employee $3.56

Employee + one $6.74

Employee + two or more $9.92


Flexible Spending AccountsCHG offers pre-tax deductions for your medical, dental and vision premiums. In addition, special accounts are available to help you plan for certain healthcare, dependent daycare and/or commuter expenses, while potentially saving you taxes in two ways:

• Pre-taxcontributionstoyouraccountmayreduceyourtaxable income

• Youpayforeligibleexpensesusingtax-freemoney

medical and dependent daycare Flexible Spending AccountsAs a new employee in 2013, you may contribute up to $2,500 to a medical flexible spending account (FSA) and $5,000 to a dependent daycare flexible spending account. Your initial election takes effect on your benefit effective date and continues through December 31. You must re-enroll in this benefit each year at Open Enrollment for the upcoming calendar year. Your new elections remain in effect for the entire calendar year unless you make changes due to a qualifying event or change in family status.

medical Flexible Spending Account The medical FSA allows you to use tax-free dollars to pay for unreimbursed medical, dental and vision expenses for you, your spouse or dependent children. Domestic partners and their children are not eligible dependents per the IRS. Eligible expenses may include prescription copays, office visit copays, insurance deductibles, contacts and eyeglasses, and prescribed over-the-counter drugs. IRS Publication 502 defines eligible services and products and is available at www.discoverybenefits.com.

dependent daycare Flexible Spending Account The dependent care FSA allows you to use tax-free dollars to pay for dependent care services while you (and your spouse, if you are married) work, look for work or attend school full-time. Dependent care services include child daycare and care for adult dependents. You and your spouse are limited to a combined maximum of $5,000 per year, or $2,500 each if filing separately.

Features of Both of Our Flexible Spending Account plans Include:• Onlineclaimssubmissionandemailcommunication

• 48-hourturnaroundforhardcopyclaimsreimbursement

• Directdepositofreimbursements

• Debitcardsthatworkforbothmedicalanddependentdaycare FSAs

• Automatic payment arrangements for orthodonticsand daycare

Additional requirements and rules governing these plans are explained in the summary plan description. Reimbursement forms are available on the benefits website or directly from Discovery Benefits at www.discoverybenefits.com.

mass Transit planCHG offers a transportation benefit that allows you to set aside pre-tax money for qualified commuter and parking expenses that you incur in getting to work, thereby reducing your commuting expenses. Eligible commuting expenses include money paid for mass transit fares (train, bus, subway, ferry), commuter van pools, and qualified parking expenses either at work or at a mass transit station for your commute. The maximum monthly pre-tax amount you may set aside for transit is $125, and the maximum monthly pre-tax amount for parking is $240. You may enroll in this benefit at any time and discontinue or modify your elections as your transportation situation dictates. For more information, please contact the benefits team at 1-800-811-1796.

Note: Our Norwalk, Conn. office is easily accessed using public transportation, but most of our other offices are not. If you aren’t working in Norwalk, please check with Discovery and Wired Commute before enrolling to make sure your method of mass transit is covered.

”yOu muST uSE IT OR LOSE IT”

The plan year is January 1 through December 31, 2013, with a medical FSA-only grace period through March 15, 2014. You may request reimbursement for services performed during the plan year and grace period. You have until March 31, 2014 to submit your claims. Any funds not claimed by march 31 will be forfeited.


401(k) Retirement plansThe 401(k) plan is available to all employees on the first day of employment. The plan allows you the opportunity to contribute contribute 1 percent to 60 percent of your pay.

CHG Offers Two Types of 401(k) plans: Traditional and Roth 401(k). If you elect the traditional 401(k) plan, contributions will automatically be deducted from your pay as a pre-tax deferral. You don’t have to pay federal or state taxes on the deferred amount until you withdraw money from your plan. If you choose the Roth 401(k) plan contributions will be deducted post tax. When you withdraw the money you are not subject to federal or state taxes on the original contribution.

Employer matching - CHG provides matching contributions, the percentage of which is determined annually. Currently, the match is 50 percent of your contribution, up to a maximum of the first 5 percent contributed, and paid quarterly. This means that the company will pay to your account 50 percent of the amount you defer into your 401(k) account, not to exceed the first 5 percent you defer. You must be employed on the last day of the quarter to be eligible to receive that quarter’s match.

Investment Flexibility - All contributions to your account are invested in the hope that earnings will make your account grow more quickly. You have multiple accounts available for your investment election. All earnings are automatically reinvested in the applicable funds on a tax-free basis. This reinvesting (called “tax-free compounding”) will help your account grow more quickly than it would if you weren’t participating in this type of plan. You decide how you want your savings invested. Through Fidelity Investments, you have many accounts from which to choose. Each account has different investment goals. You decide how to use them

to meet your own goals. Research your investment options by using the tools available at www.401k.com.

Vesting - Your savings contributions and their investment earnings always belong to you 100 percent. 401(k) plans call this being “100 percent vested” in these amounts. See the schedule at bottom to determine when the employer matching contributions and their investment earnings become yours.

Loans - Loans are available to plan participants for up to 50 percent of their vested account balance for any purpose and the minimum loan amount is $1,000. A participant may only have one loan outstanding at any time and may only make one loan application each plan year. Contact Fidelity Investments at 1-800-835-5097 or visit Fidelity online at www.401k.com for definitions and limitations.

Account Statements - All 401(k) plan participants receive a quarterly individual statement showing all contributions to their account in the plan and the investment earnings on those contributions. Account statements may also be accessed at any time by calling Fidelity Investments. Internet access is also available anywhere any time at www.401k.com.

making Changes - Making changes to the plan is easy. Name, address and beneficiary changes can be made at any time by visiting www.401k.com. The CHG benefits team can provide you with more detailed information about the plan with the exception of financial advice. If you need financial advice, you are encouraged to see your independent financial planner.

The CHG 401(k) plans are administered through Fidelity Investments. If you have questions, or would like to enroll or gain other assistance, please call Fidelity Investments at 1 (800) 835-5097 or visit Fidelity online at www.401k.com.

years of Service for Vesting %

Less than one year of service: 0% 1 year: 20% 2 years: 40%

3 years: 60% 4 years: 80% 5 years: 100%


Short-term disabilityThis employee-paid plan provides supplemental coverage in the event of a disabling illness or accident, and can also be used to cover part of your maternity leave. If you become disabled, short-term disability provides payments that can be used to cover bills, food and other necessities or for any purpose you choose. Short-term disability has a 14-day elimination period and covers 60 percent of your base salary plus commissions up to a maximum of $1,000/week for a maximum of 13 weeks.

Short-term disability coverage is guaranteed issue to new employees during your initial eligibility period. You may apply for coverage later, but your application is subject to approval by medical underwriting, and pre-existing conditions are excluded for the first 12 months of coverage. If you are planning to use short-term disability to cover a maternity leave, make sure your policy is in force at least three months before you become pregnant, or that pregnancy will not be covered.

your monthly CostShort-term disability premiums are calculated based on the larger of your base salary or your prior year’s salary plus commissions. To calculate your premiums, divide your salary by 52, multiply by 0.60 (maximum of $1,000), divide by 10, and multiply by 0.60. For reference purposes, if you are earning $35,000, your monthly premium will be $24.24. Premiums are updated each year based on your wages.

Long-term disabilityAs an employee of CHG you are automatically enrolled in long-term disability (LTD) coverage at no cost to you. You may apply for LTD benefits once you have been out of work for 90 days. The LTD benefit pays the lesser of 60 percent of your base salary plus commissions, or $5,000 per month.

For more information pertaining to your LTD policy provided by CHG, please contact the benefits team at (800) 811-1796.

Basic Life and Accidental death & dismemberment (Ad&d)Regardless of whether you are enrolled in medical coverage, CHG provides you with a Basic Life and Accidental Death & Dismemberment (AD&D) policy in the amount of one year’s base salary at no cost to you. These company-paid benefits provide protection for you and your family in the case of a disabling injury or death. In addition to this basic coverage, you have the option to purchase optional life and AD&D insurance for yourself and your family members (see Supplemental Term Life and Supplemental AD&D benefits).

Supplemental Term Life InsuranceLife insurance offers an important source of financial protection. Whether single or raising a family, you should examine your lifestyle and consider what level of protection is appropriate based on your family and financial obligations. CHG offers you the opportunity to purchase optional term life insurance for yourself, your spouse, your domestic partner and your children. You must enroll in employee coverage in order to enroll in spouse or dependent coverage. As a new employee, you may enroll in the guaranteed issue amount of coverage during your initial 30-day eligibility period. Amounts over the guaranteed issue and applications after your initial eligibility period are subject to approval by medical underwriting. For more information, please read the life insurance summary available on the CHG benefits site (benefits.chghealthcare.com).

Eligibility

EmployeeUp to 5 times base salary in increments of $10,000, not to exceed $500,000 Guaranteed issue amount for new employees is $100,000

SpouseUp to 100% of employee coverage amount in increments of $10,000 Guaranteed issue amount for spouse coverage for new employees is $50,000

ChildrenUp to 100% of employee coverage amount in increments of $2,000, not to exceed $10,000 Guaranteed issue amount for child coverage for new employees is $10,000

NEW FOR 2013

You may now purchase optional term life insurance for you domestic partner.


Supplemental Term Life plan RatesThe rates below apply to employee or spouse coverage elections and are monthly rates per $10,000 of coverage. The child(ren) rate is $0.40 per $2,000.

Employee Life per month (Banded Rate)

per $10,000 Employee/Spouse Non-Smoker

per $10,000 Employee/Spouse Smoker

<20 $0.73 $1.18

20-24 $0.73 $1.18

25-29 $0.73 $1.18

30-34 $0.81 $1.25

35-39 $1.06 $1.66

40-44 $1.73 $2.69

45-49 $3.05 $4.57

50-54 $4.71 $7.06

55-59 $8.06 $11.69

60-64 $9.61 $13.94

65-69 $18.49 $25.89

70-74 $33.29 $44.96

75-79 $49.89 $64.86

80+ $49.89 $64.86

Supplemental Accidental death and dismemberment (Ad&d)This plan provides supplemental coverage in the event of a disabling illness or accident. A covered accident is a sudden, unforeseeable, external event that causes bodily injury, i.e., loss of life, paralysis, loss of speech or loss of eyesight. Full or partial payment of the policy may occur based on such events. CHG offers you the opportunity to purchase this optional benefit at a group rate.

Eligibility

Employee Only (plan 1)You may elect $10,000 to $500,000 of coverage in units of $10,000. Benefits over $250,000 cannot be greater than 10 times your annual base salary.

Family (plan 2)

Employee Same coverage options as Plan 1, but spouse and children are also covered.

SpouseOn the family plan, your spouse’s benefit will be 40% of yours, or 50% if you have no dependent children, to a maximum of $150,000.

Child(ren)On the family plan, each of your covered children’s benefit amount will be 10% of yours, or 15% if you have no eligible spouse, to a maximum of $50,000 per child.


Critical Illness InsuranceCritical illness insurance provides a lump sum benefit to help you cover the out-of-pocket expenses associated with a critical illness diagnosis.

Highlights of Critical Illness Insurance• Coverageisguaranteedissue–noevidenceofinsurability

is required at initial enrollment (enrolling after the enrollment period requires evidence of insurability).

• Benefits are paid directly to you unless assigned tosomeone else.

• Coveragesupplementsyourexistingmedicalbenefits.

• CoverageisportableandmaybecontinuedifyouleaveCHG.

• Covereddependents receive50percentof thebasic-benefit amount shown in your employer-selected plan, and 100 percent of the wellness benefit.

• Coveragefordiagnosisofheartattack,stroke,coronaryartery by-pass surgery, major organ transplant, end-stage renal failure, invasive cancer, carcinoma in situ, Alzheimer’s disease, advanced Parkinson’s disease, benign brain tumor, coma, complete blindness, complete loss of hearing, paralysis and occupational HIV is included.

• Thewellnessbenefitpays$100percoveredperson,peryear, for completing a covered wellness exam.

Your Contributions for Critical Illness Insurance (per semi-monthly pay period)

$10,000 Benefit - Non-Tobacco user

Age Employee Employee + Spouse Employee + Child(ren) Family

18-35 $6.26 $10.52 $6.26 $10.52

36-50 $11.81 $18.85 $11.81 $18.85

51-60 $22.26 $34.52 $22.26 $34.52

61-63 $33.76 $51.77 $33.76 $51.77

64+ $49.26 $75.02 $49.26 $75.02

your monthly CostYour cost depends on the benefit amount and coverage option you select. The chart below shows the most common benefit amounts. Other amounts are available, subject to the maximums indicated above. Costs are subject to change.

your benefit amount monthly cost for you only monthly cost for you and your family

$500,000 $10.00 $18.50

400,000 8.00 14.80

300,000 6.00 11.10

200,000 4.00 7.40

100,000 2.00 3.70

50,000 1.00 1.85

40,000 0.80 1.48

30,000 0.60 1.11

20,000 0.40 0.74

10,000 0.20 0.37


If you enroll in critical illness coverage during the initial enrollment period or as a new employee within 31 days of eligibility, you will not be required to submit evidence of insurability. If, however, you choose to enroll at a later time in conjunction with the annual open enrollment period, evidence of insurability will apply and your application for critical illness protection could be declined for coverage.

If you have questions or would like more information, please call Allstate Workplace Products at (877) 282-0808.

For a complete description of benefits, please refer to a brochure of plan design or certificate of coverage. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (home office in Jacksonville, Fla.), a wholly owned subsidiary of The Allstate Corporation.

Accident InsuranceAccident insurance can provide you with a cushion to help cover expenses and living costs when you get hurt unexpectedly. While you can count on health insurance to cover medical expenses, it doesn’t usually cover indirect costs that can arise with a serious, or even not-so-serious injury. You may end up paying out of your own pocket for things like transportation, over-the-counter medicine,

daycare or sitters and extra help around the house. With accident insurance, the benefits you receive can help take care of these extra expenses and anything else that comes up.

Highlights of Accident Insurance• Coverage is guaranteed issue – no evidence of

insurability is required at initial enrollment.

• Benefits are paid directly to you unless assigned tosomeone else.

• Benefitsarepaidinadditiontoanyothercoverage.

• CoverageisportableandmaybecontinuedifyouleaveCHG.

• Employeeorfamilycoverageisavailable.

• Accidentaldeathanddismembermentcoverageupto$40,000.

• Dislocationandfracturebenefitsupto$4,000.

• Medicalexpensesupto$500.

• Initialhospitalconfinementof$1,000anddailyhospitalconfinement of $200/day.

• Physicaltherapyof$30/dayforuptosixtreatmentsperaccident.

$10,000 Benefit - Tobacco user

Age Employee Employee + Spouse Employee + Child(ren) Family

18-35 $8.56 $13.97 $8.56 $13.97

36-50 $18.16 $28.37 $18.16 $28.37

51-60 $35.61 $54.55 $35.61 $54.55

61-63 $50.81 $77.35 $50.81 $77.35

64+ $74.91 $113.50 $74.91 $113.50

Your Contributions for Accident Insurance(per semi-monthly pay period)

$9.18

$18.85

$17.09

$23.04


If you enrolled in accident insurance during the initial enrollment period or as a new employee within 31 days, you will not be subject to pre-existing conditions. If, however, you choose to enroll at a later time in conjunction with the annual open enrollment period, pre-existing conditions will apply.

If you have questions or would like more information, please call Allstate Workplace Products at (877) 282-0808.

For a complete description of benefits, please refer to the certificate of coverage. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (home office in Jacksonville, Fla.), a wholly owned subsidiary of The Allstate Corporation.

Auto & Home InsuranceMetLife Auto & Home is a voluntary group auto and home benefit program that provides you with access to insurance coverage for your personal insurance needs. Policies available include auto, landlord’s rental dwelling, condo, mobile/ motor home, renters, recreational vehicle, boat and personal excess liability (“umbrella”) polices.

The program provides you access to special group rates and company tenure policy discounts. If desired, you can choose to have the premiums deducted from your paycheck for an additional discount. To find out if this program is available in your state, please contact MetLife at (800) Get-Met-8 ((800) 438-6388). An insurance consultant will provide you with free, no-obligation premium quotes. Please note that some policies are not available in all states.

pet InsuranceCHG offers pet insurance through MetLife to help you cover the costs of caring for your pets when they are ill or injured. MetLife provides medical coverage for veterinary services such as diagnostic tests, prescriptions, x-rays and surgeries, as well as an option for vaccinations and routine care. Pre-existing, hereditary or congenital conditions are usually excluded from coverage. For more information or to get a quote for your pet, please call (800) Get-Met-8 ((800) 438-6388). Premiums for pet insurance are not payroll deducted.

Tuition ReimbursementCHG offers a comprehensive tuition reimbursement program to assist employees with the cost of higher education. You are eligible to apply for reimbursement for any qualified course beginning after your six-month anniversary. Reimbursement amounts increase as your tenure with CHG increases. Employees with less than two years are eligible for $1,000 per year, and employees with two or more years of tenure are eligible for $3,000 per year. Reimbursement requirements include achieving a “C” or better in the course and agreeing to continue employment with CHG for at least one year after the semester ends.

For detailed information about this program, including tuition forms and advance options, please contact the benefits team at (800) 811-1796 or visit the benefits website (benefits.chghealthcare.com).

Employee Assistance program (EAp)CHG understands and supports you and your family’s work/life balance. As part of this initiative, CHG provides an Employee Assistance Program (EAP) through Cigna Behavioral Health. The EAP offers free, confidential assistance program with legal, financial or behavioral health issues. Employees and all members of their households are eligible for 60-minute telephonic consultations for financial concerns, 30-minute telephonic or in-person legal consultations, and three face-to-face visits for mental health needs. You may call Cigna directly at (888) 371-1125 or visit the company online at www.cignabehavioral.com.


Special Needs planning CenterAt CHG, we recognize that families who have dependents with special needs face unique challenges in financial and legal planning. We are pleased to offer the MetLife Center for Special Needs Planning service to help families who have dependents with special needs through those legal and financial complexities. This is a free benefit available to all employees regardless of enrollment in any of our benefits plans.

The Special Needs Planning service provides comprehensive support services including access to trained special needs financial planners, individual consultations and a special needs planning calculator. The MetLife Center for Special Needs Planning also provides valuable information to address critical issues like protecting eligibility for government benefits, providing lifetime care via special needs trusts, selecting appropriate funding vehicles for those trusts and choosing a trustee, guardian or conservator.

To take advantage of this resource, please call (800) GET-MET-8 ((800) 438-6388) or visit mybenefits.metlife.com and use CHG Companies, Inc. as the company name.

paid Time Off and Holidayspaid Time Off and Extended Illness BankCHG provides a generous paid time off (PTO) and extended illness bank (EIB) plan for all eligible employees. PTO can be used to cover sickness, vacation and most other personal reasons. EIB can be used to cover medical leaves of absence, paternity and maternity leave and serious illness lasting longer than four days. Your annual allowances accrue throughout the year starting on your first paycheck and are based on years of service.

Unused PTO may be carried over from year to year up to a maximum of 160 hours. After completing six months of employment and with the approval of your supervisor, you may borrow against your full annual PTO allowance and use your PTO in advance. However, if your employment terminates, the amount of PTO that was used in advance will be deducted from your final earnings.

CHG also has a PTO gifting program to allow you to share your unused PTO with co-workers who are seriously ill and have exhausted their own PTO.

HolidaysCHG offers employees the paid holidays listed below. In addition, you may take two floating holidays per year, for any purpose at any time with the approval of your supervisor. The floating holidays are available to new employees after completing six months of employment. They do not carry over and must be used during the calendar year they were earned.

• NewYear’sDay

• MemorialDay

• IndependenceDay

• LaborDay

• ThanksgivingDay

• DayafterThanksgiving

• ChristmasEve-Half-dayholiday

• ChristmasDay

• NewYear’sEve-Half-dayholiday

Please refer to the Employee Handbook on the HR website for the most recent information about PTO, EIB and holidays.

Annual PTO and EIB Allowance and Accruals

SERVICE TImE pTO ANNuAL ALLOWANCES ExTENdEd ILLNESS ANNuAL ACCRuAL

Less than 1 year 14 days 2 days

1 - 3 years 18 days 3 days

3 - 8 years 22 days 4 days

8+ years 26 days 5 days


CHG Wellness and WellnesspaysYour life encompasses so much more than your job. When your life is in balance, you’re better able to take care of yourself and your family, and you’re also more productive at work. At CHG, our people are our most valuable asset, so your health and well-being are important to us. And let’s face it – happy, healthy, motivated employees are more productive, take fewer sick days and have a positive impact on the morale and general productivity of the workplace. Plus, when you’re healthier, you spend less on medical care. That saves you money out of your pocket, and fewer claims on our insurance plan can directly impact yearly increases.

CHG Wellness is a company-wide initiative to provide programs and opportunities for you to improve your overall well-being, both personally and professionally. CHG’s health and wellness strategy focuses on helping employees maintain or improve their health with the goals of having healthier, more engaged employees and keeping our health insurance plans affordable for all of us. We want to provide a healthy work environment and support the adoption of healthy habits by our employees and their families, and we address wellness in three main areas: physical, financial, and emotional wellness.

Wellnesspays programWellnessPays is an incentive program that allows you to earn a discount on your health insurance for completing specific wellness activities throughout the year. As you probably know, healthcare gets more expensive every year, and there are really only two ways to control the price of health insurance: We can contain costs by using the plan wisely (for example, only using the ER for true emergencies) and we can focus on wellness to maintain or improve our health and lower the cost of claims. Although

CHG pays almost 75 perfect of your medical insurance premiums, only your healthy choices and behaviors can help keep the plan affordable – for you and for us. Through WellnessPays, CHG rewards you for choosing to participate in specific wellness activities that are intended to help you be healthier. Since your healthy choices help keep our costs lower, we can pay more of your premium as a thank-you for focusing on wellness.

All employees can participate in CHG’s wellness activities and events and are eligible to win prizes for activities and contests. However, you must be a full-time employee on January 1, 2013 to be eligible to earn WellnessPays points in 2013 for your 2014 discount. Even if you aren’t currently enrolled in CHG’s medical insurance, it’s a good idea to earn points and qualify for the discount if you’re eligible, just in case you need to sign up for our insurance at open enrollment.

CHG’s ongoing wellness programs are listed below, and we’re constantly adding new activities and resources. Details about our wellness initiatives and our WellnessPays programs are located in the WellnessPays brochure or on the benefits intranet site. Watch your emails and CHG News to stay informed about upcoming health and wellness activities throughout the year.

• CHGMaternityandPaternityProgram

• HealthyPregnancyProgram

• BreastCancerAwarenessactivitiesinOctober

• Smoking/TobaccoCessation

• WeightManagement

• RockYourBodyweightlosscontestandIronMan/IronWoman Wellness Challenge

• On-sitefitnesscenters,groupfitnessclassesandgymmembership discounts


Contact ListIf you have specific questions about your benefit coverage, please contact the benefits team at (800) 811-1796. If you have specific questions about a particular plan, you may also contact the benefit provider shown in the chart below.

Additional information and forms are available at benefits.chghealthcare.com. You don’t need a password to access this website.

plan Vendor Contact

401(k) Fidelity (800) 835-5097 www.401k.com

Accident Insurance

Critical Illness Insurance

Allstate Workplace Products:

Enrollment Questions

Policy Questions

Benefits Claims

(877) 282-0808

(800) 521-3535

(800) 348-4489 www.allstateatwork.com

Auto & Home Insurance Metlife Insurance (800) 438-6388 www.metlife.com/mybenefits

Basic Employee Life and Ad&d Cigna Group Insurance (800) 732-1603 http://intranet.chghealthcare.com/benefits

dental MetLife (800) 942-0854 www.metlife.com/mybenefits

dependent care spending account Discovery Benefits (866) 451-3399 www.discoverybenefits.com

Employee Assistance program Cigna Behavioral Health (888) 371-1125 www.cignabehavioral.com

Long-term disability Cigna Group Insurance (800) 362-4462 www.cigna.com

mass transit Discovery Benefits (866) 451-3339 www.discoverybenefits.com

medical (Cigna) Cigna Health Plan(800) Cigna-24 www.mycigna.com(800-244-6224)

medical Rx (Cigna) Cigna Health Plan(800) Cigna-24 www.mycigna.com(800-244-6224)

medical (SelectHealth - utah only) SelectHealth (800) 538-5038 www.selecthealth.org

medical Rx (SelectHealth - utah only) SelectHealth (800) 538-5038 www.selecthealth.org

medical spending account Discovery Benefits (866) 451-3399 www.discoverybenefits.com

patient advocacy Patient Care (866) 253-2273 www.patientcare4u.com

pet insurance Metlife Insurance (800) 438-6388 www.metlife.com/mybenefits

physician consultation service Teladoc(800) TEL-ADOC www.teladoc.com(800 - 835-2362)

prescription drug Cigna Health Plan(800) Cigna-24 www.mycigna.com(800-244-6224)

Short-term disability Cigna Group Insurance (800) 362-4462 www.cigna.com

Special Needs planning Center MetLife (877) 638-3375 www.metlife.com/mybenefits

Supplemental accidental death and dismemberment

Cigna Group Insurance (800) 732-1603 http://intranet.chghealthcare.com/benefits

Supplemental term life insurance Unum (800) 421-0344 www.unumprovident.com

Tuition reimbursement CHG (800) 811-1796 http://intranet.chghealthcare.com/benefits

Vision EyeMed Vision Care (866) 939-3633 www.eyemedvisioncare.com

Health & Wellness

benefits enrollment guide 2013 - chg healthcare...

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