2018 Hoge Fenton Benefit Summary

TABLE OF CONTENTS Who Can You Cover? ...................................................................................................................................... 3 Making the Most of Your Benefits Program ............................................................. Error! Bookmark not defined. Medical ....................................................................................................................................................... 5 Medical Continued ......................................................................................................................................... 7 Flexible Spending Account (FSA) .................................................................................................................... 13 Health Savings Account (HSA) ....................................................................................................................... 13 Vision .......................................................................................................................................................... 9 Dental ........................................................................................................................................................ 10 Life Insurance ............................................................................................................................................. 11 Disability Insurance ..................................................................................................................................... 12 Other Programs ........................................................................................................................................... 13 Cost of Coverage ......................................................................................................................................... 15 For Assistance ................................................................................................... Error! Bookmark not defined. Look Back Measurement Method .................................................................................................................... 17 Important Plan Notices and Documents ........................................................................................................... 18 Employee Benefits Overview 2018

Medicare Part D Notice: If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see the Annual Notices on page 17 for more details.

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