Effective Date: 01/01/2010 -

Revision Date: 1/1/2010 -

HMS Enterprises, Inc. currently offers..a high deductible PPO Group Medical Plan with a Health Reimbursement
Arrangement (HRA) plan; a pharmacy plan; and a life insurance policy to all full time employees should they elect to take it. Below is a summarization of those plans. -

Single = employee only

Employee plus one = employee plus spouse; or employee plus one dependendent

Employee plus two = employee plus spouse and one dependent or more; or employee plus two dependents or more.

The amount of deductibles per covered family group of the employee stops at three even though there may be more dependents.

Health Reimbursement Arrangement (HRA): The HRA is administered through Benefit Administrative Services, (BAS) (www.benadmsys.com) and reimburses up to $750.00 single / $1500.00 employee plus one / $2250 employee plus two. These reimbursements are only after the employee pays the first $250.00 single / $500.00 employee plus one / $750.00 employee plus two, of qualified medical expenses. The HRA is totally funded by HMS to make health care affordable for the employees. The plan was initiated in June 2006 and will be reviewed at renewal in December 2010. -

MEDICAL PLAN: The Group Medical Plan is through the America Healthcare Alliance (AHA) (www.ahappo.com) First Health network and is self-funded by HMS. The administrator is BAS. The total deductible for medical services from in-network healthcare providers is $1000.00 single coverage / $2000.00 employee plus one / $3,000.00 employee plus two. The first $250.00 single / $500.00 employee plus one / $750.00 employee plus two of qualified healthcare expenses will be the responsibility of the employee. The next $750.00 single / $1500.00 employee plus one / $2,250.00 employee plus two will be reimbursed through the HRA. -

After the deductibles are met, co-insurance will be on a 50-50 basis.The employee will be responsible for 50% of the medical bills and HMS through our administrator with be responsible for 50% of the medical bills up to next $1000.00 single / $2000.00 employee plus one / 3,000.00 employee plus two, of qualified healthcare costs. When the costs of qualified healthcare expenses reach $2,000 single / $4,000 employee plus one/$6,000 employee plus two, HMS, through the administrator will pay 100%, except for a $150 Co pay on emergency room visits. There is a $75 co-pay on urgent care services.

PHARMACY PLAN: The pharmacy plan is also self-funded by HMS and administered through ProCare Rx (www.procarerx.com). The co-pays on prescription drugs are $10 generic / $35 preferred branded / $60 non-preferred branded. -

ELIGIBILTY:. For verification of eligibility and quotation of benefits, please call (800) 737-0878.

UTILIZATION REVIEW: Pre-certification is required for hospitalization. Please call (800) 367-9938 for pre-certification. This is usually done by the healthcare provider business staff, BUT IT IS YOUR RESPONSIBILITY!

ATTENTION: It is your responsibility to verify each provider's participation in the network on the date you obtain services. Failure to do so may result in a reduction of benefits.

LIFE INSURANCE: Included in the cost of the group health plan is a ten-thousand dollar ($10,000) life insurance policy. This is above the ten-thousand dollar ($10,000) policy that HMS provides all employee's whether they are in the group health plan or not.

FOR THE PLAN YEAR 1/1/10 to 12/31/10, THE COST TO THE EMPLOYEE PER WEEK FOR 4 WEEKS
IN THE MONTH IS:

	1/1/10 (wkly/monthly)	1/1/09 (wkly/monthly)	Cobra Monthly rate
Single	$40.00 / $160.00	$36.72 / $146.88	$390.28
Employee/Spouse	$85.00 / $340.00	$78.95 / $315.80	$710.13
Employee/Dependents	$76.00 / $304.00	$70.87 / $283.48	$636.20
Employee/Spouse/Dependents	$121.00 / $484.00	$112.72 / $450.88	$1032.54

The above is a summarization of coverage, read your certificate of coverage for full details. HMS carries a specific and aggregate stop loss policy to limit exposure on catastrophic and combined healthcare costs.