PPO

n        No PCP to be chosen

n        $10 Co-Payment

n        $500 Deductible

n        Out of Pocket Max for Individual: $2,000

COVERED SERVICES

Class I: Preventative: 100%

Class II: Basic & Restorative: 80%

Class III: Major Restorative: 50%

Class IV: Orthodontic: Not a Benefit

Per Person per benefit year : $50 Deductible

Per Family per benefit year: Max Deductible is 3 Individual Deductibles per benefit year

Employee Cost Per Month

n        0-25% (max $14,000/yr)

n        Employer matches $0.25 on the dollar of the employee’s contribution, up to 5% of the employee’s salary

MEMBER COST

Exam with Dilation as Necessary: $10 Copay

Frames: $100 Allowance; 80% over $100

Standard Plastic Lenses : $25 Copay

Laser Vision Correction: 15% off retail price

Contact Lenses:(Includes fit, follow-up & materials)

Conventional: $115 Allowance + 15% Off Balance

Disposables: $115 Allowance + Balance

Medically Necessary: $250 Allowance + Balance

CALL YOUR EAP FOR PROBLEMS WITH:

Protect against short/long-term loss of income due to injury or illness. Provide salary replacement for employees who, while under the care of a physician, are unable to perform the main duties of their regular occupation.

n        Full-Time Employees have STD & LTD, paid for by AFS^®

LIFE INSURANCE AND AD&D 

n        Full-Time Employees automatically have $25,000 Employee Only coverage, paid for by AFS^®

VOLUNTARY LIFE AND AD&D

n        Employee - $10,000 increments up to 5 times basic salary ($500,000 maximum)

n        Spouse can have up to 50% of Employee’s covered amount, in $5000 increments

n        Children can have up to $10,000, in $2500 increments

Specified amount of pretaxed money is deducted from your paycheck each pay period.  It is set aside in a reimbursement account & subtracted from your gross earnings before any taxes are taken out.  Submit receipts for qualifying health care or dependent care expenses & be reimbursed from this account.

nAFS will match up to $300 per FSA account

n Health Care Reimbursement: Up to $2500 Total

n Dependent Reimbursement: Up to $5000 Total

This plan is designed to encourage and assist employees in pursuit of long-term development through higher education.

n        All regular, full-time employees who have completed 6 months of service are eligible

n         All courses are subject to approval

n         Applicable education costs include tuition, books, activity fees, registration fees, and lab fees.

n        AFS will reimburse up to $2000 per calendar year