Benefits Guide 2015

Benefit Guide for Contract Employees
January 1, 2015 December 31, 2015
Enroll Online at www.AllegisMarketplace.com
To: All Individuals Eligible to Participate in the Allegis Group Contract Employee Health and
Welfare Plan
Under health care reform, individuals eligible to participate in an employer-sponsored group
health plan are entitled to receive a summary of benefits and coverage (also known as
an SBC), which provides a general description about the benefits and out-of-pocket costs
associated with the plan. The SBCs for the Bronze*, Silver* and Gold* Aetna plans are found
on the next several pages of this guide.
In the event of any inconsistency between the SBC and the plan document, the information
set forth in the plan document will control.
If you have any questions or would like additional information, please feel free to contact the
Allegis Benefits Call Center at 1-866-886-9798.
*DISCLAIMER: Plan names distinguish only deductible levels and do not correspond to, or are not equivalent to, medical plans available through public exchanges.
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Enroll online at www.AllegisMarketplace.com

Questions? Contact a Benefits Advisor at 1-866-886-9798.
ALLEGIS GROUP : Open Choice Bronze PPO Plan

Coverage for: Individual + Family | Plan Type: PPO
Coverage Period: 01/01/2015 - 12/31/2015
What is the overall

deductible?
Important Questions
No.
Does this plan use a

network of providers?
Do I need a referral to
see a specialist?
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Some of the services this plan doesn't cover are listed on page 5. See your
policy or plan document for additional information about excluded services.
Questions: Call 1-855-873-9409 or visit us at www.HealthReformPlanSBC.com.

If you aren't clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.HealthReformPlanSBC.com or call 1-855-873-9409 to request a copy.
Are there services this

plan doesn't cover?
Yes.
If you use an in-network doctor or other health care provider, this plan will pay
some or all of the costs of covered services. Be aware, your in-network doctor or
hospital may use an out-of-network provider for some services. Plans use the
term in-network, preferred, or participating for providers in their network. See
the chart starting on page 2 for how this plan pays different kinds of providers.
Yes. See www.aetna.com or call

1-855-873-9409 for a list of network
providers.
You can see the specialist you choose without permission from this plan.
The chart starting on page 2 describes any limits on what the plan will pay for
specific covered services, such as office visits.
No.
Even though you pay these expenses, they don't count toward the out-of
pocket limit.
Is there an overall
annual limit on what
the plan pays?
What is not included in

the out-of-pocket limit?
The out-of-pocket limit is the most you could pay during a coverage period
(usually one year) for your share of the cost of covered services. This limit
helps you plan for health care expenses.
Is there an
out-of-pocket limit
on my expenses?
Yes. Network: Individual $6,450 / Family

$12,900. OutofNetwork: Individual $12,900
/ Family $25,800.
Premiums, balance-billed charges, penalties
for failure to obtain pre-authorization for
service, and health care this plan does not
cover.
You don't have to meet deductibles for specific services, but see the chart
starting on page 2 for other costs for services this plan covers.
Are there other deductibles

No.
for specific services?
Why this Matters:

You must pay all the costs up to the deductible amount before this plan begins
For each Calendar Year, Network: Individual
to pay for covered services you use. Check your policy or plan document to see
$5,500 / Family $11,000. OutofNetwork:
when the deductible starts over (usually, but not always, January 1st). See the
Individual $11,000 / Family $22,000. Does not
chart starting on page 2 for how much you pay for covered services after you
apply to preventive care.
meet the deductible.
Answers
at www.HealthReformPlanSBC.com or by calling 1-855-873-9409.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document
Summary of Benefits and Coverage: What this Plan Covers & What it Costs

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Coverage Period: 01/01/2015 - 12/31/2015

Primary care visit to treat an injury or

illness
Services You May Need
Imaging (CT/PET scans, MRIs)
50% coinsurance
50% coinsurance
40% coinsurance
40% coinsurance after
$65 copay/visit
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Pre-authorization may be required.
none
Age and frequency schedules may apply.
Coverage is limited to 12 visits per calendar

year for Chiropractic care.
50% coinsurance
20% coinsurance
none
Includes Internist, General Physician,

Family Practitioner or Pediatrician.
Limitations & Exceptions
50% coinsurance
50% coinsurance
Your Cost If
You Use an
OutofNetwork
Provider
No charge

$20 copay/visit
$40 copay/visit
$40 copay/visit
Your Cost If
You Use a
Network Provider

If you have a test
Preventive care /screening

/immunization
Diagnostic test (x-ray, blood work)
If you visit a health

Specialist visit
care provider's office
or clinic
Other practitioner office visit
Common
Medical Event
Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.
Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the
plan's allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you
haven't met your deductible.
The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed
amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed
amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.)
This plan may encourage you to use network providers by charging you lower deductibles, copayments, and coinsurance amounts.
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If you need drugs to

treat your illness or
condition
Common
Medical Event
Urgent care
Emergency medical transportation
Facility fee (e.g., ambulatory surgery

center)
Physician/surgeon fees
Emergency room services
If you have a hospital Facility fee (e.g., hospital room)

stay
Physician/surgeon fee
If you have mental
Mental/Behavioral health outpatient
services
health, behavioral
health, or substance Mental/Behavioral health inpatient
abuse needs
services
If you need
immediate medical
attention
If you have
outpatient surgery
Preferred brand drugs

More information
about prescription
drug coverage is
available at
www.aetna.com/phar Non-preferred brand drugs
macy-insurance/individ
uals-families
Specialty drugs
Generic drugs
50% coinsurance
40% coinsurance
$150 copay/trip
50% coinsurance
40% coinsurance
40% coinsurance
$150 copay/trip
40% coinsurance
$500 copay/stay
40% coinsurance
$40 copay/visit
50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance
After deductible, 50%

coinsurance after
copay/prescription:
$20 (retail)
coinsurance after
copay/prescription:
$40 (retail)
coinsurance after
copay/prescription:
$70 (retail)
After deductible: 50%
coinsurance/
prescription
After deductible,
copay/prescription:
$20 (retail), $40 (mail
order)
After deductible,
copay/prescription:
order)
After deductible,
copay/prescription:
order)
coinsurance/
prescription
40% coinsurance
Your Cost If
You Use an
OutofNetwork
Provider


$500 copay/stay
Coverage Period: 01/01/2015 - 12/31/2015
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Pre-authorization required for

out-of-network care.
none
none
none
No coverage for non-emergency transport.
none
No coverage for non-emergency use.
none
none
Covers up to a 30 day supply (retail

prescription), 31-90 day supply (mail order
prescription). Your cost will be higher for
choosing Brand over Generics. Includes
contraceptive drugs and devices obtainable
from a pharmacy, oral fertility drugs. No
charge for formulary generic
FDA-approved women's contraceptives
in-network. Precertification required for
growth hormones. Precertification required
with 90 day Transition of Care. Step therapy
required with 90 day Transition of Care
Your Cost If
You Use a
Network Provider

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Common
Medical Event

50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance

$40 copay/visit
$40 copay/visit
$40 copay/visit
$500 copay/stay
40% coinsurance
40% coinsurance
No charge
Not covered
Not covered
Home health care
Rehabilitation services
Habilitation services
Skilled nursing care
Durable medical equipment
Hospice service
Eye exam
Glasses
Dental check-up
Not covered
Not covered
20% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance

$500 copay/stay
50% coinsurance
50% coinsurance
50% coinsurance
Delivery and all inpatient services

$40 copay/visit
$500 copay/stay
No charge

If your child needs

dental or eye care
If you need help

recovering or have
other special health
needs
If you are pregnant
Substance use disorder outpatient

services
Substance use disorder inpatient
services
Prenatal and postnatal care
Your Cost If
You Use a
Network Provider
Coverage Period: 01/01/2015 - 12/31/2015
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none
Includes outpatient postnatal care.
Pre-authorization may be required for
year. Pre-authorization required for
year for Physical, Occupational, and Speech
Therapy combined.
Coverage is limited to children up to age 19
for Autism.
Coverage is limited to 30 days per calendar
none
Coverage is limited to 1 routine eye exam
per 12 months.
Not covered.
Not covered.
none

Your Cost If
You Use an
OutofNetwork
Provider
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Coverage Period: 01/01/2015 - 12/31/2015
Acupuncture
Cosmetic surgery
Dental care (Adult & Child)
Glasses (Child)
Routine foot care

Weight loss programs
Hearing aids - Coverage is limited to 1 hearing aid

to a maximum of $1,400 per ear per 36 months for
children up to age 19.
Infertility treatment - Benefit limitations may apply

Routine eye care (Adult) - Coverage is limited to 1
routine eye exam per 12 months.
Does this Coverage Provide Minimum Essential Coverage?
If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about
your rights, this notice, or assistance, you can contact us by calling the toll free number on your Medical ID Card. If your group health plan is subject to ERISA,
you may also contact the Department of Labor's Employee Benefits Security Administration att 1-866-444-EBSA (3272) or www.dol.gov/ebsa/healthreform.
You may also contact the Maryland Insurance Administration, (410) 468-2090, www.mdinsurance.state.md.us.
Additionally, a consumer assistance program can help you file your appeal. Contact: Maryland Office of the Attorney General, Health Education and Advocacy
Unit, 200 St. Paul Place, 16th Floor, Baltimore, MD 21202, (877) 261-8807, http://www.oag.state.md.us/Consumer/HEAU.htm
Your Grievance and Appeals Rights:
If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health
coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while
covered under the plan. Other limitations on your rights to continue coverage may also apply.
For more information on your rights to continue coverage, contact the plan at 1-855-873-9409. You may also contact your state insurance department, the U.S.
Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U.S. Department of Health and Human
Services at 1-877-267-2323 x61565 or www.cciio.cms.gov.
Your Rights to Continue Coverage:
Bariatric surgery
Chiropractic care - Coverage is limited to 12 visits
per calendar year.
Other Covered Services (This isn't a complete list. Check your policy or plan document for other covered services and your costs for these services.)
Long-term care
Non-emergency care when traveling outside the
U.S.
Private-duty nursing
Services Your Plan Does NOT Cover (This isn't a complete list. Check your policy or plan document for other excluded services.)
Excluded Services & Other Covered Services:


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The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage". This plan or policy does provide
minimum essential coverage.
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Coverage Period: 01/01/2015 - 12/31/2015
Language Access Services:
The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health
coverage does meet the minimum value standard for the benefits it provides.
Does this Coverage Meet Minimum Value Standard?
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Para obtener asistencia en Espaol, llame al 1-855-873-9409.

1-855-873-9409.
Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-855-873-9409.
Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-855-873-9409.
-------------------To see examples of how this plan might cover costs for a sample medical situation, see the next page.-------------------
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
Patient pays:
Sample care costs:

Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Laboratory tests
Prescriptions
Radiology
Vaccines, other preventive
Total
$5,200
$0
$0
$150
$5,350
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540
Amount owed to providers: $7,540

Plan pays: $2,190
Patient pays: $5,350
(normal delivery)
Coverage Period: 01/01/2015 - 12/31/2015
Deductibles
Copays
Coinsurance
Total
Patient pays:
$5,270
$0
$0
$80
$5,350
$2,900
$1,300
$700
$300
$100
$100
$5,400
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Sample care costs:

Prescriptions
Medical Equipment and Supplies
Office Visits and Procedures
Education
Laboratory tests
Total

Plan pays: $50
(routine maintenance of
a well-controlled condition)
Managing type 2 diabetes

See the next page for

important information about
these examples.
Don't use these examples to

estimate your actual costs
under this plan. The actual
care you receive will be
different from these
examples, and the cost of
that care also will be
different.
This is not
a cost
estimator.
These examples show how this plan might cover

medical care in given situations. Use these
examples to see, in general, how much financial
protection a sample patient might get if they are
covered under different plans.
About these Coverage

Examples:
Having a baby
Coverage Examples

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10

estimators. You can't use the examples to

estimate costs for an actual condition. They
are for comparative purposes only. Your
own costs will be different depending on
the care you receive, the prices your
providers charge, and the reimbursement
your health plan allows.
No. Coverage Examples are not cost
Does the Coverage Example

predict my future expenses?
The care you would receive for this

condition could be different, based on your
doctor's advice, your age, how serious your
condition is, and many other factors.
No. Treatments shown are just examples.

predict my own care needs?
For each treatment situation, the Coverage

Example helps you see how deductibles,
copayments, and coinsurance can add up. It
also helps you see what expenses might be left
up to you to pay because the service or
treatment isn't covered or payment is limited.
Coverage Period: 01/01/2015 - 12/31/2015
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you pay. Generally, the lower your

premium, the more you'll pay in
out-of-pocket costs, such as copayments,
deductibles, and coinsurance. You should
also consider contributions to accounts such
as health savings accounts (HSAs), flexible
spending arrangements (FSAs) or health
reimbursement accounts (HRAs) that help
you pay out-of-pocket expenses.
Yes. An important cost is the premium
Are there other costs I should

consider when comparing plans?
Benefits and Coverage for other plans,

you'll find the same Coverage Examples.
When you compare plans, check the "Patient
Pays" box in each example. The smaller that
number, the more coverage the plan
provides.
Yes. When you look at the Summary of
Can I use Coverage Examples to

compare plans?

Costs don't include premiums.

Sample care costs are based on national
averages supplied by the U.S. Department
of Health and Human Services, and aren't
specific to a particular geographic area or
health plan.
The patient's condition was not an
excluded or preexisting condition.
All services and treatments started and
ended in the same coverage period.
There are no other medical expenses for
any member covered under this plan.
Out-of-pocket expenses are based only on
treating the condition in the example.
The patient received all care from
in-network providers. If the patient had
received care from out-of-network
providers, costs would have been higher.
What are some of the assumptions

behind the Coverage Examples?
Questions and answers about the Coverage Examples:

What does a Coverage
Example show?
Coverage Examples
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ALLEGIS GROUP : Open Choice Silver PPO Plan

Coverage Period: 01/01/2015 - 12/31/2015
Answers
For each Calendar Year, In-Network:

Individual $4,000 / Family $8,000.
OutofNetwork: Individual $8,000 / Family
$16,000. Does not apply to preventive care.
Important Questions
What is the overall

deductible?

1-855-873-9409 for a list of in-network
providers.
No.
Yes.

see a specialist?

plan doesn't cover?
11

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No.
pocket limit.
Is there an overall
the plan pays?

Is there an
out-of-pocket limit
on my expenses?
Yes. In-Network: Individual $6,450 / Family

/ Family $25,800.
cover.

No.
Why this Matters:


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Coverage Period: 01/01/2015 - 12/31/2015
12


illness
50% coinsurance
50% coinsurance
40% coinsurance
$65 copay/visit
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none

50% coinsurance
50% coinsurance
none

50% coinsurance
50% coinsurance
Your Cost If
You Use an
OutofNetwork
Provider
No charge

$20 copay/visit
$40 copay/visit
$40 copay/visit
Your Cost If
You Use an
In-Network Provider

If you have a test

/immunization

Specialist visit
or clinic
Common
Medical Event
This plan may encourage you to use in-network providers by charging you lower deductibles, copayments, and coinsurance amounts.
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condition
Common
Medical Event
If you need
immediate medical
attention
If you have
outpatient surgery
13
After deductible,
copay/prescription:
$20 (retail), After
deductible: $40 (mail
order)
After deductible,
copay/prescription:
$40 (retail), After
order)
After deductible,
copay/prescription:
$70 (retail), After
order)
coinsurance/
prescription
40% after $40
copay/visit
40% coinsurance
40% coinsurance
40% coinsurance, after
$150 copay
40% coinsurance
$500 copay/stay
40% coinsurance
Your Cost If
You Use an
OutofNetwork
Provider
none

coinsurance/
prescription
50% coinsurance
50% coinsurance
none
50% coinsurance
40% coinsurance
40% coinsurance, after
$150 copay
50% coinsurance
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No coverage for non-urgent use.

none
none
50% coinsurance

coinsurance after
copay/prescription:
$70 (retail)

coinsurance after
copay/prescription:
$40 (retail)

from a pharmacy, oral fertility drugs. No
charge for formulary generic
FDA-approved women's contraceptives
in-network. Precertification required with
90 day Transition of Care.
Precertification required for growth
hormones.


stay
Urgent care

center)
Specialty drugs

More information
about prescription
drug coverage is
available at
www.aetna.com/phar
Non-preferred brand drugs
uals-families
Generic drugs
Your Cost If
You Use an
In-Network Provider
Coverage Period: 01/01/2015 - 12/31/2015


coinsurance after
copay/prescription:
$20 (retail)

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Common
Medical Event
14
If you have mental

health, behavioral
health, or substance
abuse needs

50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance

$40 copay/visit
$40 copay/visit
$40 copay/visit
$500 copay/stay
40% coinsurance
40% coinsurance
No charge
Home health care
Hospice service
Eye exam
20% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance

$500 copay/stay
50% coinsurance
071700-110020-191427
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none
Therapy combined.
for Autism.
none
per 12 months.
Not covered.
Not covered.
none
50% coinsurance
50% coinsurance

none
50% coinsurance

$40 copay/visit
$500 copay/stay
$40 copay/visit
$500 copay/stay
No charge
Your Cost If
You Use an
OutofNetwork
Provider
Glasses
Not covered
Not covered
Dental check-up
Not covered
Not covered
If your child needs

dental or eye care
If you need help

recovering or have
needs
If you are pregnant

services
Mental/Behavioral health inpatient
services
services
services
Your Cost If
You Use an
In-Network Provider
Coverage Period: 01/01/2015 - 12/31/2015

50% coinsurance
CTR/MSE

Coverage Period: 01/01/2015 - 12/31/2015
Acupuncture
Cosmetic surgery
Glasses (Child)
Routine foot care


Infertility treatment - Benefit limitations may apply

Bariatric surgery
per calendar year.
Long-term care
U.S.


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15
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Coverage Period: 01/01/2015 - 12/31/2015
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1-855-873-9409.
16
17
Deductibles
Copays
Coinsurance
Total
Patient pays:
Sample care costs:

Anesthesia
Laboratory tests
Prescriptions
Radiology
Total
$4,000
$490
$0
$150
$4,640
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540

Plan pays: $2,900
(normal delivery)
Coverage Period: 01/01/2015 - 12/31/2015
Deductibles
Copays
Coinsurance
Total
Patient pays:
$4,000
$260
$170
$80
$4,510
$2,900
$1,300
$700
$300
$100
$100
$5,400
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Sample care costs:

Prescriptions
Education
Laboratory tests
Total

Plan pays: $890


these examples.

different.
This is not
a cost
estimator.


Examples:
Having a baby
Coverage Examples

CTR/MSE
18






Coverage Period: 01/01/2015 - 12/31/2015
071700-110020-191427
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provides.

compare plans?


health plan.


Example show?
Coverage Examples
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ALLEGIS GROUP : Open Choice Gold PPO Plan

Coverage Period: 01/01/2015 - 12/31/2015
Answers
For each Calendar Year, Network: Individual

$2,000 / Family $4,000. OutofNetwork:
Individual $4,000 / Family $8,000. Does not
apply to preventive care in-network.
Important Questions
What is the overall

deductible?

1-855-873-9409 for a list of network
providers.
No.
Yes.

see a specialist?

plan doesn't cover?
19

071700-110020-191409
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No.
pocket limit.
Is there an overall
the plan pays?

Is there an
out-of-pocket limit
on my expenses?
Yes. Network: Individual $6,450 / Family

/ Family $25,800.
cover.

No.
Why this Matters:


CTR/MSE

Coverage Period: 01/01/2015 - 12/31/2015
20


illness
50% coinsurance
50% coinsurance
40% coinsurance
$65 copay/visit
071700-110020-191409
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none

50% coinsurance
20% coinsurance
none

50% coinsurance
50% coinsurance
Your Cost If
You Use an
OutofNetwork
Provider
No charge

$20 copay/visit
$40 copay/visit
$40 copay/visit
Your Cost If
You Use a
Network Provider

If you have a test

/immunization

Specialist visit
or clinic
Common
Medical Event
This plan may encourage you to use network providers by charging you lower deductibles, copayments, and coinsurance amounts.
CTR/MSE

condition
Common
Medical Event
Urgent care

center)

stay
If you have mental
services
health, behavioral
health, or substance Mental/Behavioral health inpatient
abuse needs
services
If you need
immediate medical
attention
If you have
outpatient surgery

More information
about prescription
drug coverage is
available at
www.aetna.com/phar Non-preferred brand drugs
uals-families
Specialty drugs
Generic drugs
50% coinsurance
40% coinsurance
$150 copay/trip
50% coinsurance
40% coinsurance
40% coinsurance
$150 copay/trip
40% coinsurance
$500 copay/stay
40% coinsurance
$40 copay/visit
50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance

coinsurance after
copay/prescription:
$20 (retail)
coinsurance after
copay/prescription:
$40 (retail)
coinsurance after
copay/prescription:
$70 (retail)
coinsurance/
prescription
After deductible,
copay/prescription:
order)
After deductible,
copay/prescription:
order)
After deductible,
copay/prescription:
order)
coinsurance/
prescription
40% coinsurance
Your Cost If
You Use an
OutofNetwork
Provider

21

$500 copay/stay
Coverage Period: 01/01/2015 - 12/31/2015
071700-110020-191409
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none
none
none
none
none
none

from a pharmacy, oral fertility drugs.
Precertification required with 90 day
Transition of Care. Precertification required
for growth hormones. No charge for
formulary generic FDA-approved women's
contraceptives in-network.
Your Cost If
You Use a
Network Provider

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Common
Medical Event
22

50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance

$40 copay/visit
$40 copay/visit
$40 copay/visit
$500 copay/stay
40% coinsurance
40% coinsurance
No charge
Not covered
Not covered
Home health care
Hospice service
Eye exam
Glasses
Dental check-up
Not covered
Not covered
20% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance

$500 copay/stay
50% coinsurance
50% coinsurance

$40 copay/visit
$500 copay/stay
No charge
Your Cost If
You Use an
OutofNetwork
Provider

If your child needs

dental or eye care
If you need help

recovering or have
needs
If you are pregnant

services
services
Your Cost If
You Use a
Network Provider
Coverage Period: 01/01/2015 - 12/31/2015
071700-110020-191409
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none
Therapy combined.
for Autism.
none
per 12 months.
Not covered.
Not covered.
none
50% coinsurance
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Coverage Period: 01/01/2015 - 12/31/2015
Acupuncture
Cosmetic surgery
Glasses (Child)
Routine foot care


Infertility treatment - Benefit limitations may apply.

Bariatric surgery
per calendar year
Long-term care
U.S.


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23
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Coverage Period: 01/01/2015 - 12/31/2015
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071700-110020-191409
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1-855-873-9409.
24
25
Deductibles
Copays
Coinsurance
Total
Patient pays:
Sample care costs:

Anesthesia
Laboratory tests
Prescriptions
Radiology
Total
$2,000
$520
$770
$150
$3,440
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540

Plan pays: $4,100
(normal delivery)
Coverage Period: 01/01/2015 - 12/31/2015
Deductibles
Copays
Coinsurance
Total
Patient pays:
$2,000
$680
$370
$80
$3,130
$2,900
$1,300
$700
$300
$100
$100
$5,400
071700-110020-191409
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Sample care costs:

Prescriptions
Education
Laboratory tests
Total

Plan pays: $2,270


these examples.

different.
This is not
a cost
estimator.


Examples:
Having a baby
Coverage Examples

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26






Coverage Period: 01/01/2015 - 12/31/2015
071700-110020-191409
8 of 8



provides.

compare plans?


health plan.


Example show?
Coverage Examples
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People. Service.
Performance.
That is what Allegis Group and our operating companies are all
about. One way we recognize our employees contributions is
by offering an extensive benefits package. The Allegis Group
Benefit Program gives access to plans that help you protect the
health and security of you and your family.
We realize benefit needs vary from person to person, so we
provide a range of plans that let you choose the level of coverage
and the combination of benefits you want and need. And, we
know the benefits and health insurance marketplace is more
confusing than ever. So, we offer our employees The Allegis
Marketplacea one-stop online shopping experience where you
can easily compare plans and enroll in coverage.
This guide highlights the benefits available to you for 2015 and
explains how to enroll. In this guide, you will find:
Your 2015 Benefits-at-a-Glance;
Who is eligible and how to enroll;
Summaries of each benefit plan; and
Phone numbers and websites where you can obtain more
information about each plan.
Need Assistance?
Contact the Benefits Service Center at
1-866-886-9798 to speak with a Benefits Advisor.
We may refer in this guide to ACA or PPACA and

both are abbreviations for the official name of the
law commonly referred to as the federal healthcare
reform law. ACA stands for the Affordable Care Act
and PPACA stands for the Patient Protection and
Affordable Care Act, which is the longer name used
to refer to the law. We also refer to your Individual
Mandate obligation. By this we mean your obligation
under the ACA to have Minimum Essential Coverage
(which can simply mean an employer group medical
plan) or to pay a penalty on your tax return for not
carrying such coverage.
Table of Contents
Page 31
Eligibility
Page 32
When Benefits Begin
Page 32
How to Enroll
Page 36
ID Cards
Page 36
Paying for Your Benefits
Page 38
Medical Plans
Page 41
Prescription Benefits
Page 43
Bridge Plan
Page 49
Major Expense Protection Plan
Page 51
Dental Plan
Page 52
Vision Plan
Page 53
Disability Plans
Page 55
Life and AD&D Plans
Page 56
Filing Claims
Page 59
401(k)
Page 61
Health Advocacy, EAP + Work

Life Benefit services
Page 62
Transportation Benefits
Page 63
Changing Your Benefits
Page 65
When Coverage Ends
Page 66
COBRA
Page 67
Key Contacts

27
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Weve got you covered!

The Allegis Marketplace is a one-stop online shopping experience where you can easily compare plans, rates and coverage options, and
enroll in plans.
The Allegis Marketplace provides you with:
A wide variety of plan options that can be combined together or purchased by themselves so you can Build a Plan that is right for
you and your budget, including:
ACA-compliant Aetna Preferred Provider Organization (PPO) Medical Plans which provide Minimum Essential Coverage
and allow you to meet your Individual Mandate
Aetna Bridge Plans supplemental fixed indemnity plans (Not Minimum Essential Coverage under the ACA)
Critical Illness Insurance (Not Minimum Essential Coverage under the ACA)
Accident Insurance (Not Minimum Essential Coverage under the ACA)
Hospital Indemnity Plan (Not Minimum Essential Coverage under the ACA)
Major Expense Protection Plan (MEPP) (Not Minimum Essential Coverage under the ACA)
New! Health Savings Account (HSA) (must enroll) in an Aetna PPO Medical Plan in order to elect the HSA through Allegis
Access to other types of coverage, including dental, vision, life and accidental death & dismemberment (AD&D) insurance, health
advocacy, and, new this year, a Health Savings Account (HSA).
The Allegis Marketplace Features:
Savings through an exclusive group rate
Potential savings on the cost of coverage by paying your premiums on a pre-tax basis
Access to benefits advisors and personalized customer service
Payment through convenient payroll deduction
Easy online enrollment
Access to Aetnas nationwide network of providers, who discount their services for Aetna participants
Your Allegis Group Benefits At-A-Glance

Type of Coverage
Benefits for 2015
Medical
Comprehensive
Preferred Provider
Organization (PPO)
plans
(with prescription
drug benefit)1
3 PPO plan options: Bronze*1, Silver*1, and Gold*
All three plans allow you to meet your Individual Mandate under the ACA
All Aetna Minimum Essential Coverage (MEC) plans have a $6,350 annual out-of-pocket maximum for
individual coverage only. The out-of-pocket maximum for Employee & Partner, Employee & Children and
Family is $12,700. Out-of-pocket maximum amounts include any deductibles, copays and coinsurance
amounts you pay but do not include any premiums or out-of-network costs you pay. The annual out-ofpocket maximum amounts shown here apply only to in-network services.
Underwritten by Aetna
Aetnas nationwide network of providers
Plans pay 60% of most in-network services after calendar year deductible is met
You pay a $20 copay for regular office visits and a $40 copay for Specialist office visits
You pay $20 copay for generic prescription drugs in-network
*DISCLAIMER: Plan names distinguish only deductible levels and do not correspond to, or are not equivalent to, medical plans available through public
exchanges.
1
This health plan, alone, does not meet Minimum Creditable Coverage standards that are effective January 1, 2011 as part of the Massachusetts Health Care
Reform Law. If you purchase this health plan only, you will not satisfy the statutory requirement that you have health insurance meeting these standards.
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28

Type of Coverage
Benefits for 2015
Aetna Bridge Plans

supplemental fixed
indemnity plans
Critical Illness
Insurance1
Accident Insurance
Hospital
Indemnity Plan1
Major Expense
Protection Plan
(MEPP)1
Health Savings
Account (HSA)4
3 plan options: Basic, Enhanced, and Premium
Underwritten by Aetna
Aetna Bridge Plans include discounts available through Aetna PPO Network providers
Pays fixed-dollar cash benefits when you incur expenses for covered events, such as certain doctor visits,
hospital stays, prescriptions, and other medical servicesall without a deductible
Not Minimum Essential Coverage under the ACA (designed to supplement a comprehensive medical plan)
2 plan options: $10,000 or $20,000 lump sum benefits
Provides cash benefits if you or a covered family member is diagnosed for the first time with a covered
serious medical condition
Underwritten by Symetra Life Insurance Company
2 plan options: Benefits up to $3,500 or $10,000 per year
Plan pays cash for medical services related to an accidental injury not incurred at work
Cash benefits paid directly to you regardless of any other insurance you have
Provides direct cash payment to you for inpatient hospitalization
Includes a Prescription Drug Discount Program
Provides direct cash payment to you for emergency room and inpatient hospital benefits, including
substance abuse and mental health
A tax-advantaged savings account that allows you to put aside pre-tax income for eligible medical expenses
Tax free earnings on your savings
Provided through Wells Fargo
You keep your account even if you change jobs or retire
To be eligible, you must elect an Aetna PPO Medical plan offered by Allegis
MetLife Dental:
Dental1
Pays 100% for preventive and diagnostic care
Pays 50% to 80% for other services
Deductible $50 per person
Vision Service Plan (VSP):
Vision
In and out-of-network option (eye exam every 12 months, lenses/frames/ contacts every 24 months)
Interim Benefits for lenses and frames
The Hartford:
Short Term
Disability 2
Plan pays 60% of pre-disability weekly pay up to a maximum benefit of $600 per week
Benefits begin on the 8th day of total disability and are paid for up to 13 weeks
Weekly premiums are based on age and weekly benefit amount

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Type of Coverage
Benefits for 2015

MetLife:
Long Term
Disability 2
2 plan options five year option or to age 65 option
Plan pays 60% of pre-disability monthly base pay after 90 days of disability
Maximum monthly benefit is $5,000
Weekly premiums are based on age, monthly earnings, and plan option
Reliance Standard Life:
Life Insurance 2
Employee Life You can purchase up to $150,000; cost is based on age and level of coverage
Spouse Life You can purchase up to $30,000; cost is based on age and level of coverage
Child Life You can purchase up to $10,000; cost is based on level of coverage
Reliance Standard Life:
Accidental Death
& Dismemberment
(AD&D) 2
Provides a benefit in the event of death or dismemberment
Employee AD&D You can purchase up to $500,000
} Family AD&D Spouses benefit is 60% of employees, dependent childrens benefit is 15% of employees
Wells Fargo
401(k) Plan 3
Traditional 401(k)
plan, Roth 401(k)
plan
Save up to $18,000 of your income for 2015
Wide range of investment options
You can contribute to the 401(k) plan via pre-tax contributions or to the Roth via post-tax contributions
Alliance Capital
529 College
Savings Plan 3
Build a tax-favored savings account for college expenses
Wide range of investment options
MetLife
Auto and Home

Insurance 3
Buy MetLife auto, renters, boat, and personal liability coverage
Special group rates and policy discounts
Health Proponent, powered by Health Advocate

Health Advocacy
Health Advocacy,
EAP + Work Life
Benefits
Access to a Personal Health Advocate, typically a registered nurse, supported by a team of physicians and
administrative experts, who will help in handling health care and insurance related issues
You, your spouse, children, parents and the parents of your spouse are eligible to use this service
EAP + Work Life Benefits

}
Transportation
Benefits
Confidential counseling for emotional, legal, financial, and other personal issues
ConnectYourCare
}
Employee Discount
Program
Allows you to use pre-tax payroll dollars to pay for qualified parking and transit expenses
Allegis Group, Inc/Abenity

}
Access to over 100,000 discounts and provides employees with an elite collection of local and national
discounts from thousands of hotels, restaurants, movie theaters, retailers, florists, car dealers, theme parks,
national attractions, concerts, and events.
You may elect or change these benefits during the annual Open Enrollment period or anytime during the year with a qualifying status change.
You may elect or change these benefits anytime during the year with medical underwriting requirements.
3
You may elect or change these benefits anytime during the year once you meet eligibility, without restriction.
4
You may elect to open an HSA through Allegis during the annual Open Enrollment period or anytime during the year with a qualifying status change provided
you elect an Aetna PPO Medical plan offered by Allegis, but you may change your contribution level to your HSA at any time during the year.
1
2
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30

Eligibility
Generally, if you are an active employee working at least 20 hours a week, you are eligible for benefits. The following individuals are also
eligible:
A spouse: (1) a person who is legally recognized as the Employees spouse pursuant to a legally recognized ceremony, or (2) a
same-sex partner who either: (a) is legally recognized as the Employees partner pursuant to a state-sanctioned legal union between
two individuals ofthe same-sex, which affords the same or substantially similar rights to the parties thereto as those imposed by
an opposite sex marriage; or (b) provided the employee resides in a state that does not permit same-sex legal unionsas described
above, meets Allegiss definition of a same-sex Domestic Partner and completes an Affidavit of Domestic Partnership. For more
information about Allegiss definition of Domestic Partnership and/or a copy of Allegiss Affidavit of Domestic Partnership, please
contact the Human Resources Department.
A child who:
A. Is under the age of 26 or is permanently and totally disabled (and meets the eligibility requirements described below); and
B. Is related to you in one of the following ways:
1. You or your spouses or same-sex domestic partners child by birth or legal adoption;
2. Under testamentary or court appointed guardianship, other than temporary guardianship of less than 12 months duration,
and who resides with, and is the dependent of you or your spouse or same-sex domestic partner;
3. A child who is the subject of a Medical Child Support Order or a Qualified Medical Support Order that creates or recognizes
the right of the child to receive benefits under a parents health insurance coverage;
4. A grandchild who is in the court-ordered custody, and who resides with, and is the dependent of you or your spouse or
same-sex domestic partner.
Children whose relationship to you is not listed above, including, but not limited to grandchildren (except as provided above), foster children or
children whose only relationship is one of legal guardianship (except as provided above) are not eligible, even though the child may live with
you and be dependent upon you for support.
Please note, Allegis Group Contract Employee Health and Welfare Plan does not recognize common law marriage.
Employee contributions for health care coverage are generally taken on a pre-tax basis, however, according to federal law, employee
benefit contributions for domestic partners and same-sex civil union couples who are not dependents as defined in the Internal Revenue
Code, and children of domestic partners and same-sex civil union couples who are not dependents of the employee as defined in the
Internal Revenue Code, cannot be taken pre-tax.
If you and your spouse or same-sex domestic partner both work for Allegis Group and its operating companies, each family member
you, your spouse or same-sex domestic partner, and your eligible childrencan be covered only once for medical, dental and vision.
One of you can enroll in a plan and cover all eligible children, and the other can waive coverage, or you can both enroll. Children cannot
be covered by each parent separately.
Disabled Children
Coverage may be available to your disabled child who is over age 26, provided the child is financially dependent on you, is unmarried
and was enrolled in the plan prior to attaining age 26. If you have an over age disabled dependent child, documentation of the disability
may be required to continue coverage under the Plan.
Enrolling an individual that is not eligible for Allegiss plans is a fraudulent act and could result in disciplinary action up to and including
termination.

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When Benefits Begin

If you are a new hire, your benefit coverage begins on the first of the month following 60 days of employment (your Effective Date) if
you are on active service. Active service means you are doing your regular duties in the usual manner on a scheduled work day at one of
the places of business where you normally work or where your work sends you. Coverage for your dependents begins when yours does,
unless you add them to your coverage later. You have until the last day of the month in which you are effective to enroll for benefits and
you will be responsible for all missed premiums.
Example:
Hired 6/4/15
Benefit Coverage Begins 9/1/15
Must Enroll By: 12 Midnight ET, 9/30/15
You can access the website and enroll in benefits at any time from your date of hire through the end of the month you become eligible.
Your benefits are always effective the first of the month following sixty days of employment. If you wait until the end of your eligibility
month to enroll, your benefits will still be effective on the first and you will be responsible for the entire months premiums. For example,
if you were hired on July 7th your benefits would be effective October 1st . You could enroll at any time from your hire date until October
31st.
Please keep in mind, you pay for benefits through weekly payroll deductions and if you miss deductions, payment will automatically be
made up with double deductions. Please see the Paying for Your Benefits section of the guide for more detailed information.
How to Enroll
Enroll Online at AllegisMarketplace.com. AllegisMarketplace.com is an online benefits service that puts benefits information and
enrollment at your fingertips 24 hours a day, seven days a week. AllegisMarketplace.com lets you look at your personal benefits record,
including current coverage, dependents, and costs. You can also find details about all the available plans, so you can choose benefits
that will work best for you and your family. In addition:
You DO NOT have to fill out a paper enrollment form.
AllegisMarketplace.com is private, secure, and accessible from any computer, anywhere, anytime.
You can enroll online and print a confirmation.
You can print a Temporary Benefit Confirmation to present to your providers in the event you have not received your ID cards.
You can access AllegisMarketplace.com after the enrollment period whenever you have questions about your benefits.
If you do not have web access, please contact your local office for a paper application. You may fax your enrollment form and all other
forms to the Benefits Department at 410-540-7549. If you have questions, you may contact the Benefits Service Center at 1-866-8869798 and speak with a Benefits Advisor.
CTR/MSE
32

Logging on to AllegisMarketplace.com
First Time AllegisMarketplace.com Users
Go to www.AllegisMarketplace.com. (We strongly recommend the most recent version of Internet Explorer or Firefox).
Click on the Register Now link located on the right-hand side of your screen.
When prompted, enter your Last Name, Date of Birth, and your Social Security Number. For security purposes you will also be
asked to type a randomly generated security code that will be presented when the page loads. Select Next.
Follow the directions provided on the site to complete your registration and setup your online account.
Returning AllegisMarketplace.com Users

Go to www.AllegisMarketplace.com. (We strongly recommend the most recent version of Internet Explorer or Firefox).
You will see a Login on the right of your screen where you can enter your Username and Password. Enter your Username and
Password and then select Login. Please note: If you have forgotten your username and/or password, click on Login Help link.

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The Enrollment Process

Once you log in, just follow these steps:
1. Review your personal information.
a. Demographic (if you need to make changes, you may do so at this screen. If you need to change a field you do not have access to,
please contact your local office)
b. Employment information (if this information is incorrect, please contact your local office)
c. Dependent Review. If you need to add or remove a dependent, you should do so from this screen. Please note, adding a dependent
here DOES NOT enroll them in benefits. You must add them to each plan you wish to enroll them in.
2. Review your current benefits and details of your 2015 options.
3. Elect your 2015 benefits or waive those you do not wish to elect. When doing so, choose your coverage level (Employee,
Employee & Partner, Employee & Children, Family) or waive coverage. If you choose coverage other than employee only, you
must add your dependents to the plan.
a. Medical
*The PPO medical plans offered here will help you meet your Individual Mandate under the Affordable Care Act (ACA).
b. Bridge Plans
c. Critical Illness Insurance
d. Accident Insurance
e. Hospital Indemnity Plan
f. Major Expense Protection Plan (MEPP)
g. Dental
h. Vision
i. Life Insurance (if you enroll outside of your eligibility period or increase your existing coverage you will be subject to
approval by Reliance)
j. AD&D
k. Short Term Disability (STD)
l. Long Term Disability (LTD)
4. Review all of your elections and continue through the enrollment process.
5. Elect your deductions for the benefits you have selected to be auto-deducted from your paycheck on a pre- or post-tax basis (please
note, life insurance and disability are always deducted on a post-tax basis). To learn more about the advantages of pre-tax deductions,
see page 37 or visit AllegisMarketplace.com.
6. Review the Online Enrollment User Acknowledgment and complete the online enrollment process.
7. Print your online Enrollment Election form and keep this copy for your records.
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34

Beneficiaries
Many people overlook and underestimate the importance of designating a beneficiary. In many cases,
people dont designate a beneficiary at all, and in other cases, the information is outdated. Taking the
time to designate or update your beneficiaries today can eliminate many challenges for your family in
the event of your death.
How to Designate or Update Your Beneficiaries

Below is a list of the benefits that need a beneficiary as well as step-by-step instructions on how to check
and update your beneficiaries.
Life Insurance and AD&D
Log on to www.AllegisMarketplace.com.
Click on the My Benefits & Personal Information tab at the top of the page.
Click Change Beneficiary Designations.
401(k)
Log on to www.wellsfargo.com/allegisgroup.
Click on My Profile.
Click on Beneficiary Maintenance.

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Benefit Identification (ID) Cards

Your medical and bridge plan ID cards will arrive at your home approximately 3 weeks from the time your enrollment is received at Aetna.
You will not receive ID cards for the critical illness, accident, hospital indemnity, major expense protection plan, dental and vision plans,
as Symetra, MetLife and VSP do not require you to have an ID card for these plans. You may print a Temporary Benefit Confirmation
if you have not received your medical ID card or if you would prefer to have your dental and vision information on hand when you visit
your provider. To print your Temporary Benefit Confirmation, log on to AllegisMarketplace.com and select the My Benefits & Personal
Information tab at the top of the Homepage. Under the Benefits Information Column, select Print Temporary Benefit Confirmation.
Select the benefits you would like to print a temporary confirmation for and select Retrieve ID Cards.
If You Do Not Enroll

If you do not enroll during your initial eligibility period (generally 30 days from
your Effective Date), you cannot enroll or make changes to your coverage
under the following plans until the next Open Enrollment period, or unless
you have a qualifying status change (described later in this guide): medical/
prescription, bridge plans, critical illness, accident insurance, hospital
indemnity, major expense protection, dental, and vision .
You may enroll for short-term disability, long-term disability, life and/or AD&D
insurance at any time, but you must complete the Evidence of Insurability
(EOI) questionnaire if you do not elect during your initial eligibility period.
Remember that you must meet your

Individual Mandate under the Affordable
Care Act (ACA) or pay an IRS tax. Enroll
in one of the three medical PPO plans
offered by Allegis to ensure you meet your
Individual Mandate and avoid the IRS tax.
If You Do Not Have Web Access

If you do not have access to AllegisMarketplace.com, you may complete a paper enrollment to enroll in your benefits. To obtain a paper
enrollment form, please contact your local office. You may fax your completed forms to the Benefits Department at 410-540-7549, interoffice the forms to; Allegis Group Benefits Department, Mail Stop- AG-29 OR mail them to: Allegis Group Benefits Department, 7312
Parkway Drive, Hanover, MD 21076.
Paying for Your Benefits

You pay for your benefits through weekly payroll deductions. Your premiums for your medical, bridge plans, critical illness, accident,
hospital indemnity, major expense protection plan, dental, and vision coverage will be deducted from your paycheck on a pre-tax or
post-tax basis, depending on the option you choose. However, according to federal law, premiums for a domestic partner or same-sex
civil union couple and his/her respective child(ren) cannot be paid on a pre-tax basis unless the domestic partner or partner within a
same-sex civil union couple or child qualifies as your dependent as defined under the Internal Revenue Code.
Under Section 125 of the Internal Revenue Code, if you choose pre-tax contributions, you may not change or cancel your benefits unless
you incur a qualifying status change, described later in this guide. If you choose post-tax contributions you may cancel your benefits
at any time during the year without restriction, but you cannot change your benefits (i.e., adding/ removing dependents) unless you
experience a qualifying status change.
401(k) contributions are made on a pre-tax basis (unless you elect to make after-tax Roth 401(k) contributions). Deductions for disability,
life, and AD&D insurance are made on a post-tax basis.
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36

Pre-Tax Contributions
Pre-tax contributions save you money because you are taxed on less income.
In the example below, the employee contributes $1,200 in healthcare premiums. He saves $360 when he makes those contributions on
a pre-tax basis.
Post-tax Premiums
Pre-tax Premiums
$50,000
$50,000
$0
($1,200)
Taxable Income
$50,000
$48,800
Estimated taxes (30%)
($15,000)
($14,640)
After-tax Premiums
($1,200)
$0
Net Take-home pay
$33,800
$34,160
$0
$360
Annual Income
Pre-tax Premiums
Take-home pay increases

Please keep in mind:
Weekly payroll deductions begin the first full week of benefit coverage.
If you wait until the latter part of the month in which you become eligible to enroll, your benefits will still begin on the first of the
month in which you become eligible and you will be responsible for all missed premiums.
Missed deductions will be made up with double deductions in subsequent weeks.
You must pay for your benefits every week, regardless of how often you use them.
You medical weekly premium may change if you experience a change in age or geographical location during the plan year.
If You Have Questions

If you have questions about your benefit choices or the enrollment process, contact your local office or a Benefits Advisor by contacting
the Benefits Service Center at 1-866-886-9798, Monday through Friday 8am to 6pm ET, or send an email to AskBenefits@allegisgroup.
com. Phone numbers and web addresses for the various benefit plan providers are found on the back of this guide.

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Build a Plan that Works for You!

Allegis offers a wide variety of plans for every situation and budget. You can select as little or much coverage as you need to build a plan
thats right for you. Below are examples of some common situations and the plans that were built for them. Remember these plans can
work alone or together! Details about each of these plans can be found on the next several pages of this guide.
Need help deciding which plan or combinations of plans is right for you? Talk with a Benefits Advisor at 1-866-886-9798Monday
Friday, 8 am6 pm EST.
How to Build a Medical Plan

that fits your needs and budget!
Medical
PPO
Plan
I need...
Bridge
Plan
Critical
Illness
Insurance
Hospital
Indemnity
Plan
Major
Expense
Protection
Plan
Accident
Insurance
An ACA-compliant plan that allows me to meet my Individual Mandate

+ additional help with out-of-pocket medical expenses
+ additional help with out-of-pocket medical expenses
+ extra coverage
ADD ANY OF THESE PLANS

to help you save on out-of-pocket costs
A less expensive way to help pay for some of my medical

costs (Please note, this option will not allow you to meet your Individual
Mandate under the ACA.)
Options to help me save money even though I have coverage elsewhere
(through a spouses plan, parent, etc.)
ADD ANY OF THESE PLANS

to help you save on out-of-pocket costs
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38

Medical Preferred Provider Organization

(PPO) Plans
Allegis Group offers contract employees three (PPO) medical plans. The plans are from Aetna Life Insurance
Company. All of the plans offer access to Aetnas nationwide network of providers. Referrals are not required.
Three comprehensive plan options are available to youBronze*, Silver*, and Gold*. They primarily differ in the weekly premium amount
you pay for coverage and the calendar year deductible.
As with most PPO plans, you can choose your own doctors,
and you can choose to go in-network or out-of-network for care.
Using in-network providers will costs you less. For a network
provider near you, visit AllegisMarketplace.com for a direct link
to the Aetna website or go to www.aetna.com.
Good News!
Weve got you covered!
If you use a doctor outside the network (a non-preferred

provider), your costs will usually be higher, as shown in the
following chart. If you live in an area with no network providers,
benefits will be paid at the in-network levels, but network
discounts will not apply. Percentages of remaining charges you
pay are based on Negotiated Charges in network and Recognized
Charges out of network.
All three of the Comprehensive PPO Plans

Bronze*, Silver*, and Gold*will allow you to meet your
Individual Mandate under the Affordable Care Act (ACA).
So, if you enroll in any of them, you will avoid the
IRS tax for not having ACA-compliant coverage.
A provider outside the network may require that you pay more than the Recognized Charge, and this additional amount would be your
responsibility.
For a full description of covered services and exclusions, please see the Certificate and Booklet Summary of Coverage (SOC) available
online at www.AllegisMarketplace.com.
Aetna Navigator Member Website

If you enroll in any of the Aetna PPO medical plans, you have access to the Aetna Navigator member
website. When you sign up and use it, you can easily:

Find in-network doctors who accept your plan.

See what you owe. Look up claims to see how much the plan paid and what you may have to pay.
Know your plan. Check who is covered by your plan and what it covers.
Get valuable information. See which doctors and hospitals have met extra standards for quality and
efficiency.
Know costs before you go. See cost estimates before you make an appointment for an office visit,
test or procedure.
Get healthier. Take a health assessment to learn about your health and how to lower your risks.
Visit AllegisMarketplace.com for a direct link to the Aetna Navigator Member Website or go to www.
aetna.com to learn more. For the mobile app, visit www.aetna.com/mobile.

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Are PPO benefits coordinated with benefits from other plans?

Yes, as comprehensive major medical plans, the Aetna PPO Plans are designed to supplement other comprehensive medical plans such
as a spouses medical plan. Together, the two types of plans can provide very robust benefits.
PPO Covered Services

The following chart highlights commonly covered services under the three Aetna medical insurance plans. For a full description of
covered services and exclusions, please see the Summary of Benefits and Coverage (SBC) and the Certificate and Booklet Summary of
Coverage (SOC) available online at www.AllegisMarketplace.com.
Silver* 1
Bronze*1
Plan Features
Gold*
In-Network
Out-of-Network
In-Network
Out-of-Network
In-Network
Out-of-Network
$5,500 Individual
$11,000 Family
$11,000 Individual
$22,000 Family
$4,000 Individual
$8,000 Family
$8,000 Individual
$16,000 Family
$2,000 Individual
$4,000 Family
$4,000 Individual
$8,000 Family
40%
50%
40%
50%
40%
50%
Payment Limit/
Out-of-Pocket Maximum
$6,450 Individual
$12,900 Family
$12,900 Individual
$25,800 Family
$6,450 Individual
$12,900 Family
$12,900 Individual
$25,800 Family
Preventive Care
Covered at 100%
Covered at 20%
Covered at 100%
Covered at 20%
Covered at 100%
Covered at 20%
Office Visit to
Non-Specialist
You pay 40%

after $20 copay;
after deductible
You pay 50%;

after deductible
You pay 40%

after $20 copay;
after deductible
You pay 50%;

after deductible
You pay 40%

after $20 copay;
after deductible
You pay 50%;

after deductible
Specialist Office Visit
You pay 40%

after $40 copay;
after deductible
You pay 50%;

after deductible
You pay 40%

after $40 copay;
after deductible
You pay 50%;

after deductible
You pay 40%

after $40 copay;
after deductible
You pay 50%;

after deductible
Emergency Care
You pay 40%;

after deductible
You pay 40%;

after deductible
You pay 40%;

after deductible
You pay 40%;

after deductible
You pay 40%;

after deductible
You pay 40%;

after deductible
You pay 40%

after $500 per
admission copay;
after deductible
You pay 50%;

after deductible
You pay 40%

after $500 per
admission copay;
after deductible
You pay 50%;

after deductible
You pay 40%

after $500 per
admission copay;
after deductible
You pay 50%;

after deductible
Deductible
Member Coinsurance
Hospital
$6,450 Individual $12,900 Individual

$12,900 Family
$25,800 Family
The above are high-level examples of plan benefits. See the Aetna Plan Design and Benefits grids for Aetna PPO Bronze*, Silver* and Gold* plans for full plan details including
Exclusions and Limitations. The documents will be available on www.AllegisMarketplace.com.
For more information on the Bronze*, Silver*, or Gold* Medical Plans,

including the weekly premiums, contact your local office or a
Benefits Advisor at 1-866-886-9798.
1
This health plan, alone, does not meet Minimum Creditable Coverage standards that are effective January 1, 2011 as part of the Massachusetts Health Care Reform Law. If you
purchase this health plan only, you will not satisfy the statutory requirement that you have health insurance meeting these standards.
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Prescription Benefits
The three medical PPO (Bronze*, Silver*, and Gold*) options include prescription coverage. You can get prescription medications at
a pharmacy (Retail) or through mail order (Aetna Rx Home Delivery). Copays below apply only after the medical plan deductible is
satisfied.
Retail
If you get a prescription at a retail pharmacy, your copay will be based on whether you use an in-network or out-of-network pharmacy,
and the type of drug, as shown below:
Bronze*, Silver*, Gold* Retail Pharmacy 30-day supply

In-Network
Out-of-Network
Generic
$20 copay after deductible
$20 copay after deductible, plus 50% of the submitted cost
Formulary brand-name
Non-formulary brand-name
The above are high-level examples of plan benefits. See the Aetna Plan Design and Benefits grids for Aetna PPO Bronze*, Silver*, and Gold* plans for full plan details including
Exclusions and Limitations. The documents will be available on www.aetna.com.
Mail Order Aetna Rx Home Delivery

Aetna Rx Home Delivery is Aetnas mail order prescription drug service for maintenance medications (prescription medications used to
treat chronic conditions or diseases).
Aetna Rx Home Delivery offers you:
Cost Savings You can receive up to a three-month supply for only two copays.
Convenience Quick, confidential shipping of your maintenance medications right to your home, place of work or any other
location of your choice. Standard delivery is free. Overnight requests can be shipped for an additional cost.
Ease of Use A simple, two-step process makes ordering your maintenance medications easy. Refills can be ordered by mail,
phone, online, or by fax.
Quality Service Registered pharmacists check orders for accuracy and are available 24 hours a day, 7 days a week in case of
emergency.
Your copays for medications you receive through Aetna Rx Home Delivery are shown below.
Bronze*, Silver*, Gold* Aetna Rx Home Delivery (Mail Order) 3190 day supply
In-Network
Out-of-Network
Generic
Not applicable
Formulary brand-name
Not applicable
Non-formulary brand-name
Not applicable
The above are high-level examples of plan benefits. See the Aetna Plan Design and Benefits grids for Aetna PPO Bronze*, Silver*, and Gold* plans for full plan details including
Exclusions and Limitations. The documents will be available on www.AllegisMarketplace.com.
In accordance with applicable law and our pharmacy policies, Aetna Rx Home Delivery can only dispense the brand name version of certain medications, unless your doctor
specifically prescribes the generic alternative by name.
For additional information about Aetna Rx Home Delivery, please log into www.AllegisMarketplace.com and view the Aetna Rx Home
Delivery Information and Order Form located under the Important Form Downloads section. For questions about your pharmacy benefit,
please call the Member Services number on your member ID card.

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To Use Your Prescription benefits:

If you use an in-network pharmacy, just show your ID card and pay the appropriate copay.
If you use an out-of-network pharmacy, you may have to pay for your prescription out of pocket and submit your receipt to Aetna for
reimbursement (unless the pharmacy submits the claim for you). Once you meet the annual deductible, Aetna will reimburse you
according to the plan.
Prescriptions do apply toward your out-of-pocket maximum expense limit.
Walk-In/Retail Health Care Clinics

As a feature of the Medical PPO Plans, you may have a Doctor Office Visit performed in a Walk-In or Retail Health Care Clinic for a $20
copay, whereas if the service is performed in your doctors office you would pay a $20 copay.
Walk-in Clinics and Retail Health Care Clinics are clinics that are either freestanding or located in retail stores, supermarkets or
pharmacies. They are an alternative to a physicians office visit for treatment of unscheduled, non-emergency illnesses and injuries and
the administration of certain immunizations. They are not alternatives for emergency room services or the ongoing care provided by a
physician. Neither an emergency room, nor the outpatient department of a hospital are considered walk-in clinics or retail health care
clinics.
Some examples of walk-in/retail health care clinics are MinuteClinic (inside select CVS stores) and TakeCare Health (inside select
Walgreens stores).
To determine whether a walk-in or health care clinic in your area is a participating provider, log in to Aetna Navigator (www.aetna.
com) and click Find a Doctor, Pharmacy or Facility on the left. Enter the required information and your provider category. Choose
Facilities. Or, call Aetna at 1-855-873-9409.
Discounts and Programs You Receive If Enrolled in Aetna Medical PPO Plans
Your enrollment in the Medical PPO plans includes special programs* and discounts** with a wealth of features. These programs
include savings on products and educational materials geared toward particular health needs. Here are a few highlights:
Weight management discount program
You and your eligible family members can save on weight-loss
programs and products from Jenny Craig.
Hearing discount program
Receive a discount** on hearing exams and services with
HearPO at participating locations nationwide.
Aetna Natural Products and ServicesSM program
Professional services**, such as acupuncture, chiropractic care,
massage therapy and nutritional counselors offered at reduced
rates.
Discounts on health-related products* including over-thecounter vitamins, herbal and nutritional supplements and
natural products.
Fitness program
Discounted rates on memberships at participating health clubs
contracted with GlobalFitTM as well as savings on home exercise
equipment.
Aetna VisionSM Discounts
Receive discounts** on eyewear, contact lenses, LASIK eye
surgery and eye care accessories at participating optical centers
such as Sears Optical, LensCrafters, Target Optical and many
Pearle Vision locations.
Informed Health Line
Provides health information from a registered nurse and instant
online access to information**
To learn more about these programs and discounts once you are an Aetna member go to www.aetna.com, choose Health Programs, then See
the Discounts. Follow the steps for each discount you want to use.
*These discount programs are rate-access programs and may be in addition to any plan benefits. Discount and other similar health programs offered
hereunder are not insurance. Program features are not guaranteed under the plan contract and may be discontinued at any time. Program providers
are solely responsible for the products and services provided hereunder. Aetna does not endorse any vendor, product or service associated with these
programs. It is not necessary to be a member of an Aetna plan to access the program participating providers.
** Discounts are from the providers usual fee for the service (retail price). These discount programs are not incurred benefits but provide access to
discount programs maintained by Aetna Inc. and its affiliates.
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Additional Supplemental Plan Options

Allegis offers several supplemental plans, which can be purchased in addition to a comprehensive medical plan, or on their own. Please
remember that none of the supplemental plans by themselves will not satisfy your Individual Mandate under the ACA.
Aetna Bridge Plans

The Aetna Bridge Plans are supplemental fixed indemnity plans that are designed to work with the PPO Plans
(described in the previous section) to provide more robust coverage. For example, if you enroll in one of the PPO
plans, you will have to meet a deductible before the plan will cover certain services. And, for other services, you
will need to pay a copay. If you enroll in a Bridge Plan in addition to a PPO Plan, the Bridge plan could cover some
of the expenses you have to pay before you reach your PPO Plan deductible, and copays thereafter.
While the plans work well together, the Bridge Plans do not coordinate benefits with the Medical PPO plan and are purchased separately.
The Aetna Bridge Plan pays a fixed dollar amount whenever you receive a covered serviceeven if you haven't yet met your medical
plans deductible. You can use the cash benefit any way you want. Allegis Group offers three of these plan options (Basic, Enhanced,
and Premium) through Aetna.
The Aetna Bridge Plans are designed to supplement the Aetna PPO plans or other comprehensive plans, such as spouses medical plan.
Together, the two types of plans can provide very robust benefits.
While the Aetna Bridge Plans work well when combined with a more traditional or comprehensive plan, they can also be purchased
individually. Enrolling in any one of these plans does not require purchasing any additional coverage. (Please note this plan does not meet
Minimum Essential Coverage under the ACA and does not provide IRS penalty protection.)
Please note: these plans are not available to employees who live in Hawaii, North Dakota and Washington State. These plans are not
available to employees who live and work in New Hampshire.

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Why enroll in a Bridge Plan?

First Dollar BenefitsThis plan pays cash benefits without
making you satisfy a deductible first.
Enrollment guaranteedNo doctor exam required and you
cant be turned down during Open Enrollment.
Which coverage options

are right for you?
Easy to useThe plan pays regardless of any other insurance

coverage you may have.
Contact the Benefits Service Center to speak

with a Benefits Advisor 1-866-886-9798 or email
AskBenefits@allegisgroup.com for help.
AffordableGroup rates that are typically less per week than

the average cost of a couples night out at the movies; pre-tax
payroll deductions make it even better.
Three Aetna Bridge Plan options are available. The chart below shows how much each of the options pays for various services.
Service
Basic
Enhanced
Premium
Inpatient Hospital Staydaily benefit (Includes maternity)

Plan pays per day in a private or semi-private room
Plan pays per day in Intensive Care Unit (ICU)
Maximum number of stays per coverage year
$350
$500
$650
$700
2 stays
$1,000
2 stays
$1,300
2 stays
Inpatient Hospital Stay lump-sum benefit (Includes maternity)

Plan pays per initial day of an inpatient stay
Maximum number of days per coverage year
$500
2 days
$700
2 days
$900
2 days
Inpatient surgical procedure

Plan pays per day on which a surgical procedure is performed
$300
2 days
$450
2 days
$550
2 days
Inpatient Accident - additional benefit

Plan pays per initial day of an inpatient stay for an accident
$200
2 days
$300
2 days
$400
2 days
Emergency room
Plan pays per day on which an emergency room visit occurs
$175
2 days
$275
2 days
$375
2 days
Outpatient surgical procedure

Plan pays per day on which a surgical procedure is performed
$300
2 days
$450
2 days
$550
2 days
Outpatient doctors office visits

Includes doctors service in the office, home, walk-in clinic, and urgent care clinic.
Plan pays per day on which doctors services are provided
$60
5 days
$70
7 days
$80
7 days
Outpatient laboratory and x-ray services

Plan pays per day on which lab or x-ray services are provided
$70
3 days
$90
3 days
$110
3 days
Prescription drugs, equipment and supplies

Plan pays per day on which a prescription drug, equipment or supply is obtained
$30
12 days
$45
12 days
$55
12 days
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How to use your Aetna Bridge Plans prescription benefit

The Bridge Plans prescription benefit is a discount reimbursement program. If the prescription being purchased is eligible for a discount
and the pharmacy is in-network, the discount will be applied at the point-of-purchase and you will then pay your cost of the prescription.
In order to be reimbursed, you will need to submit a medical claim form and the prescription receipt (not the cash register receipt)
to Aetna. Reimbursement is either $30, $45, or $55 per day, depending on the plan you purchase (see the benefit description on the
previous page for details). You are allotted 12 days per coverage year that Aetna will reimburse prescriptions. For example, Bill fills a
prescription on June 18th, therefore his allotted number of days per coverage year would change from 12 to 11. Then, a month later, Bill
needed to fill three more prescriptions; his allotted number of days per coverage year would change from 11 to 10, as so on.
A. Present your Aetna identification (ID) card to the pharmacist.
B. Participating pharmacies will apply a discount.
C. You pay the amount charged by the pharmacy.
D. Submit a medical claim form to Aetna to receive your Bridge payment.
To find a participating pharmacy, call toll-free 1-855-873-9409 or visit www.aetna.com/docfind/custom/avp.
Services to prevent illness are covered under the applicable benefit (Outpatient doctors office visits or Outpatient laboratory and x-ray services)
listed in this Benefit Summary, the same as services to treat illness.
Aetna Bridge Plans Weekly Premiums

Coverage Level
Basic Plan
Enhanced Plan
Premium Plan
Employee
$17.40
$23.34
$27.12
Employee & Partner
$38.44
$51.81
$60.31
Employee & Children
$34.23
$46.11
$53.67
Family
$55.28
$74.58
$86.87
Note these premiums are for the Aetna Bridge Plans only; these do not include the PPO Medical Plans.
For more information on the Bridge Plans, contact the Benefits Service Center at 1-866-886-9798 to speak with a Benefits Advisor.

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Critical Illness Insurance

Critical Illness Insurance pays you a fixed dollar amount if you or a covered family member is diagnosed for
the first time with a serious illnesses or condition such as invasive cancer, heart attack, stroke, end-stage renal
failure, major organ transplant, paralysis, and coma. The plan is guaranteed issue coverage, which means you
cannot be denied coverage, regardless of current or prior personal or family health history. (Please note: while
you cannot be denied for your prior personal or family history, you cannot obtain coverage for a specific covered
critical illness if you have previously been diagnosed with that critical illness.) You may elect $10,000 (Option 1) or $20,000 (Option 2)
worth of coverage for yourself and your spouse. Benefits for children are 25% of the adult benefit.
As with the Aetna Bridge Plans, critical illness insurance is intended to supplement a comprehensive medical plan. It provides a lump
sum cash benefit for expenses that may not be covered by a traditional medical plan.
The benefits of critical illness insurance include:
Helps you have money for deductibles, copays, lost income, experimental treatment, spousal income when using FMLA, etc.
Benefits are paid directly to you in addition to the major medical insurance you may already have in place
Benefits for the employee or spouse are always 100% of the lump sum benefit you enrolled for ($10,000 or $20,000); benefits for
children are 25% of the adult benefit
With this first occurrence ever policy, each condition is independent. So, if you have your first ever heart attack while covered and
a year later you are diagnosed with invasive cancer, then you get paid the full benefit amount twice.
Payroll deductions can be taken pre-tax and paid benefits are not taxed (except for domestic partners and same-sex civil unions).
Critical Illness Insurance Weekly Premiums

Coverage Level
Option 1 $10,000
Option 2 $20,000
Employee
$4.07
$8.13
Employee & Partner
$8.13
$16.28
Employee & Children
$5.43
$10.86
Family
$9.50
$18.99
Critical Illness Insurance can be purchased as a stand-alone plan or in addition to any one of the three comprehensive medical PPO
plan options (Bronze*, Silver*, Gold*), Bridge Plans, Accident Insurance, Hospital Indemnity Plan and Major Expense Protection Plan.
For more information on Critical Illness Insurance, contact the Benefits Service Center at 1-866-886-9798 to speak with a Benefits
Advisor.
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Accident Insurance
Accident Insurance is another option for supplementing a comprehensive medical plan. When accidents happen,
out-of-pocket costs for things such as doctor visits, x-rays and physical therapy can add up fast. This plan can
help.
You can choose from two options:

Coverage of up to $3,500 per accident (Option 1), or
Coverage of up to $10,000 per accident (Option 2)
The Accident Insurance plan covers any type of accidental injury not incurred at work (up to 3 per calendar year per covered person)
and pays your actual billed expenses up to the maximum benefit for the option you purchased. As with the other supplementary plans
available, this plan can help you meet your deductible or pay other expenses that are not covered by a comprehensive plan.
Example 1:
Ambulance service $800
Emergency room $1,525
Diagnostic testing (MRI) $750
Physician fees $300
Physical therapy $500
Total expenses $2,875
Benefits paid to insured = $2,875
Example 2:
Urgent Care $310
Lab tests $235
X-rays $280
Physician fees $120
Chiropractic services $390
Prescriptions (inpatient) $75
Total expenses $1,410
Benefits paid to insured= $1,410
Here are two examples of how benefits would be paid if Option 1Up to $3,500 was elected.
Premiums are based on the coverage level you choose and whether you cover yourself only or yourself and your dependents.
Accident Insurance Weekly Premiums

Coverage Level
Option 1Up to $3,500
Option 2Up to $10,000
Employee
$7.13
$8.51
Employee & Partner
$15.20
$18.14
Employee & Children
$11.69
$13.95
Family
$21.16
$25.26
Accident Insurance can be purchased as a stand-alone plan or in addition to any one of the three medical PPO plan options (Bronze*,
Silver*, Gold*), Bridge Plans, Critical Illness Insurance, Hospital Indemnity Plan and Major Expense Protection Plan.
For more information on the Accident Insurance Plan, contact the Benefits Service Center at 1-866-886-9798 to speak with a Benefits
Advisor.

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Hospital Indemnity Plan Symetra

If you are hospitalized as an inpatient, the plan will pay you $1,000 in cash per admission, up to 3 admissions per
covered person per calendar year. Each covered person will also receive a benefit for each day (24 hour period)
hospitalized as illustrated by the chart below subject to all policy provisions.
The plan also includes a Pharmacy Discount Program at no additional cost. A discount from usual and customary drug charges will be
given to you when prescriptions are purchased through an in-network pharmacy. This is not a prescription drug benefit but a discount
program provided through ReStat (www.restat.com). Most national pharmacies are included in the ReStat network as are many regional
and local pharmacies. You can verify participation by asking your
pharmacy or checking on-line. You should not attempt to use this
Hospital Indemnity Weekly Premiums
discount program if you participate in the medical plan through
Allegis or another medical plan with prescription drug coverage.
Coverage Level
This plan can be purchased as a stand-alone plan or in addition to
any one of the three PPO medical plan options (Bronze*, Silver*,
Gold*), Bridge Plans, Critical Illness, Accident Insurance and Major
Expense Protection Plan.
Employee
Health advocacy services are also included at no additional cost.
Benefit
$6.63
Employee & Partner
$13.05
Employee & Child
$13.05
Family
$18.82
Coverage
Deductible
None
Copay
None
Lifetime Maximum
500 days lifetime maximum (except for Mental Health Facility Stay)
Hospital Admission
$1,000 per admission, per covered person, per calendar year
Hospital Stay
(regular room)
$300 per day, 30 days maximum per covered person, per calendar year
Hospital Stay
(ICU)
Hospital Stay
(Substance Abuse Facility)
Hospital Stay
(Mental Health Facility)
$300 per day, 30 days maximum per covered person, per calendar
Post Hospital Nursing Facility Stay,
$150 per day, 60 days maximum per confinement per covered person under the age of 65
This is a summary of benefits for illustration purposes only. Policy provisions govern. See policy for details, exclusions and limitations.
500 days per lifetime maximum
180 days per lifetime maximum
Following a hospital stay of at least 3 days
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Major Expense Protection Plan (MEPP) Symetra

The Major Expense Protection Plan
(MEPP) offers you the opportunity to buy
additional emergency room and inpatient
hospital coverage, which includes inpatient
hospitalization for substance abuse, and
mental health. The MEPP does not issue restrictions on hospitals,
meaning there is no requirement to use participating providers.
The following chart is a summary of the plan.
This plan can be purchased as a stand-alone plan or in addition to
any one of the three PPO medical plan options (Bronze*, Silver*,
Gold*), Bridge Plans, Critical Illness, Accident Insurance and
Hospital Indemnity Plan.
Benefit
Major Expense Protection Plan (MEPP) Weekly Premiums

Coverage Level
Employee
$24.45
Employee & Partner
$50.85
Employee & Child
$50.85
Family
$58.22
Coverage
Deductible
None
Copay
None
500 days lifetime maximum for each
benefit per person (except for Mental Illness)
Lifetime Maximum
Emergency Room Benefit:
Covered events that are the result of an illness or accident
are paid at a pre-selected fixed dollar amount per visit up
to a calendar year maximum. This benefit will be paid only
for procedures received in an emergency room.
Inpatient Hospital Benefit:

Coverage for inpatient hospital stays is provided and
benefits are paid at a pre-selected fixed dollar amount per
day of confinement up to a maximum number of days per
calendar year. Daily Hospital Substance Abuse Intensive
Care Unit Mental Health Facility Nursing Facility
$200 per visit/$500 calendar year

maximum per person, per calendar year
$1,500 per daily hospital stay/30 days maximum per calendar year
$1,500 per day, per person for stays in a substance abuse facility/30 days
maximum per calendar year
$3,000 per day, per person for stays in the Intensive Care Unit/30 days maximum per calendar year
$750 per day, per person for stays in a mental health facility / 30 days maximum per calendar year, 180 days per lifetime
$750 per day, per person for stays in a nursing facility (only if following a
covered hospital stay of at least 3 consecutive days and the person is less than
age 65)/ maximum 60 consecutive days per stay
Maternity Care
Covered as any other condition
*Please see the Eligibility section of this guide for the definition of an eligible dependent.
The MEPP is not a replacement for a major medical policy or other comprehensive policy. It is designed to cover benefits used on a routine basis at a pre-selected, fixed dollar
amount. Coverage may be subject to exclusions, limitation, reductions, and termination of benefit provisions. Exclusions, limitations, definitions, and benefits may vary by state.
Please see the policy for details. The Major Expense Protection Plan is insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA, 98004.
SymetraSM is a service mark of Symetra Life Insurance Company

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Health Savings Account (HSA)

The HSA, available through Wells Fargo, is a tax-favored account that allows you to prepare for, manage, save
and pay for qualified medical expenses tax-free. You may enroll in an HSA if you are in the Allegis high deductible
health plan (the Allegis Group Bronze*, Silver* and Gold* medical plans).
HSAs also compliment your retirement plan, helping you prepare for the costs of medical coverage at retirement.
You determine how much you want to save by making contributions to your HSA through pre-tax payroll deductions. You may be
reimbursed from the money in your account for current or future medical expenses, including medical expenses after you retire. Even if
you leave Allegis, you keep your HSA.
Using Your HSA Money
The money in your HSA can be used to pay for qualified medical expenses that are not covered by the Aetna PPO medical plan, such
as your deductible, copays, and other out-of-pocket health care expenses. A list of eligible expenses can be found at www.irs.gov/pub/
irs-pdf/p502.pdf. Unused HSA money will stay in your account year after year.
HSA Contributions
You determine how much you want to contribute to your HSA on an annual basis. You may contribute up to the following IRS maximums:
2015 HSA Annual Contributions

Coverage Level
You may contribute (pre-tax)**
Individual
Up to $3,350
Employee & Partner

Employee & Children
Family
Up to $6,650
** You may make an additional catch-up contribution of up to $1,000 if you will be age 55 or older in 2015.
Enrolling in an HSA
To enroll in an HSA, you will to elect it on AllegisMarketplace.com, indicating how much you want to contribute for 2015. For information
on setting up your Health Savings Account, visit www.AllegisMarketplace.com or call 1-866-886-9798
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Dental Plan - MetLife

The MetLife dental plan covers preventive, basic, and major dental services and supplies. Generally, when you
receive care from a MetLife participating dentist, your out-of-pocket expenses will be lower than if you receive
services from a non-participating dentist.
Dental Benefits
This chart provides highlights of some covered services. For a full description of covered services and exclusions, please see the
detailed plan description provided on www.AllegisMarketplace.com.
Benefit
In-Network
Out-of-Network
$50 per person
$50 per person
$1,000 per person
$1,000 per person
Type A Expenses
Preventive Oral Exams once every six months Cleaning, polishing
once every six months
Plan pays 100%* no deductible
Plan pays 100%** no deductible
Type B Expenses
X-rays, fillings, minor oral surgery
Plan pays 80%* after deductible
Plan pays 80%** after deductible
Type C Expenses
Crowns, dentures, bridgework, complex oral surgery
Plan pays 50%* after deductible
Plan pays 50%** after deductible
Annual (calendar year) Deductible

(for Type B and C Expenses Combined)
Annual (calendar year) Plan Limit Maximum Benefit
Type D Expenses
Orthodontia
Not Covered
Additional Type A, B & C information can be found in the MetLife Dental Plan Certificate of Insurance. *Plan Benefits subject to the Maximum Allowed Charge for the types of
dental services shown in section C of the Plan Certificate of Insurance. The Maximum Allowed Charge is the lower of: a. the amount charged by the Participating Provider for the
service or supply; and b. the maximum amount that the Participating Provider agreed with us to charge for that service or supply. This maximum amount is specified or based
on the amounts specified in the Preferred Dentist Program Table of Maximum Allowed Charges. ** Plan Benefits subject to Reasonable and Customary (R&C) limits for the types
of dental services shown in section C of the Plan Certificate of Insurance. The Reasonable and Customary Charge is the lowest of: a. the usual charge by the Dentist or other
provider of the services or supplies for the same or similar services or supplies; or b. the usual charge of most other Dentists or other providers in the same geographic area for
the same or similar services or supplies; or c. the actual charge for the services or supplies.
Dental Weekly Premiums

Coverage Level
Option 1
Employee Only
$6.54
Employee & Partner
$14.99
Employee & Children
$13.15
Family
$16.94
For more information on the Dental Plan, including how to find a participating dentist, visit AllegisMarketplace.com for a direct link to
MetLife or go to www.metlife.com/dental or www.metlife.com/mybenefits. You can also call MetLife at 1-800-942-0854 or contact the
Benefits Service Center at 1-866-886-9798 to speak with a Benefits Advisor.

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Vision Plan - VSP

Vision care benefits are provided through Vision Service Plan, or VSP. Generally, when you receive care from a
VSP participating provider, your out-of-pocket expenses will be lower than if you receive services from a nonparticipating provider. To find a VSP provider, visit AllegisMarketplace.com for a direct link to the VSP website or
go to www.vsp.com. Select Members and Consumers and Find a VSP Network Doctor. Or, call VSP at 1-800877-7195. When you make an appointment, indicate you are a VSP member. The provider will obtain the necessary approvals. If you use
non-participating providers, you must pay for services and then submit a claim form to VSP for reimbursement.
Vision Benefits
Benefit
Frequency*
In-Network
Out-of-Network
Well/Vision: Once every 12 months
$15 copay, then plan pays 100%
Plan pays up to $50
Contact Lens Exam1

(Fitting & Evaluation)
Once every 24 months
$60 copay (maximum),

then plan pays 100%
Plan pays up to $105
Frames
Plan pays 100% for selected

frames up to $130
Plan pays up to $70
Combined $15 copay for lenses

and frames, then Plan pays 100%
Plan pays up to:

$50
$75
$100
$125
Eye Exam
Lenses:
Single vision
Bifocal (lined)
Trifocal (lined)
Lenticular
INTERIM BENEFITS for lenses (including contact lenses) and frames every 24 monthsIf your lens prescription changes before you are eligible
for new lenses, lenses & frames will be replaced at a 12 month frequency if your new prescription meets at least one of the following criteria:
a) your new prescription differs from the original by at least a .50 diopter sphere or cylinder; b) an axis change of 15 degrees for more; c) a 5
prism diopter change in at least one eye.
Visually Necessary contact lenses
$15 copay, then plan pays 100%
Elective contact lenses
*Frequency is based on your last date of service with any VSP plan. VSP will not cover eye exams more than once in a 12-month period, or contact lenses and eyeglasses/frames
in the same 24-month period.
1
Member receives 15% off of contact lens exam services.
For more information on the Vision Plan, contact the Benefits Service Center at 1-866-886-9798 to speak with a Benefits Advisor.
VSP Members Portal

The VSP Members Portal offers features for you to use that make managing
your VSP benefits and eye health simple.
Vision Weekly Premiums

Coverage Level
Option 1
View Your Benefits provides a concise benefits overview and a

member reference card that you may print and carry with you.
Employee Only
$1.69
Employee & Partner
$2.66
Find a VSP Doctor assists you in finding a participating VSP doctor

and provides you information about VSP doctors.
Employee & Children
$2.71
Family*
$4.37
Member Resources guides you in using your VSP benefits; provides

Frequently Asked Questions and much more.
*Please see the Eligibility section of this guide for the definition of
an eligible dependent.
Visit www.vsp.com and select Members. To access the Members Portal

you will need to register by selecting Log In/Registration at the top of the page and select Register Now. If you have already
registered simply select Log In/Registration and enter your username and password.
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Disability Plans
Short-Term Disability Coverage (STD) The Hartford
The company offers a Short-Term Disability (STD) plan through The Hartford that protects you against loss of
income if you cannot work due to a sickness or injury that is not work related.
If you become totally disabled, your benefit will be 60% of your pre-disability weekly pay up to a maximum benefit of $600 a week.
Benefits begin on the 8th day of total disability, and will be paid for up to 13 weeks.
If you enroll during your initial eligibility period, you will not be subject to approval by The Hartford. Late enrollees are subject to
approval by The Hartford and medical questions will be required to be answered.
Deductions are taken on a post-tax basis, so any benefit paid is tax-free.
Coverage ends on your last day of employment.
If you become disabled in the first 12 months after you enroll
for STD coverage, benefits will not be paid for a disability
caused by any medical condition for which you have been
treated or diagnosed within the six months before joining
the STD plan, including pregnancy.
For information about the availability of state leave, please
contact the Benefits Department.
The cost of coverage is based on your age and weekly benefit
amount, as shown in the following chart. When completing your
new hire enrollment on www.AllegisMarketplace.com, you will be
able to automatically calculate your weekly STD premium.
For more information on the STD Plan, contact the Benefits
Service Center at 1-866-886-9798 to speak with a Benefits
Advisor.
Family and Medical Leave (FMLA)
Your Age
STD Weekly Premium Multiplier*
Under 25
25-29
30-34
35-39
40-44
45-49
50-54
55 and over
$.182
$.155
$.155
$.136
$.143
$.162
$.203
$.242
*The costs shown above are per $10 of weekly benefit.

Example For an individual age 36 with $480 in weekly pay, the weekly benefit is $288
and the weekly cost to the employee is $3.92.
The weekly STD benefit of $288 is based on 60% of the $480 weekly pay.
Weekly premiums are calculated for every $10 of weekly benefit amount (i.e.
$288/$10 = $28.80).
Using the age of the employee (36) and the chart above, the premium
multiplier in this example is $.136.
When the $.136 is multiplied by $28.80, the employee arrives at his/her
weekly premium of $3.92.
The company provides Family and Medical Leaves of Absence without pay to eligible employees. The Family and Medical Leave Act
(FMLA) provides eligible employees the opportunity to take unpaid, job-protected leave for certain specified reasons. The maximum
amount of leave an employee may use is either 12 or 26 weeks within a 12-month period depending on the reasons for the leave. For
additional details regarding FMLA (including Military-Related FMLA Leave), please see the full FMLA Policy, which is posted on the
Companys intranet, or may be obtained in your local office.

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Long-Term Disability Coverage (LTD) - MetLife

The company offers a Long-Term Disability (LTD) plan through MetLife that pays benefits if total disability lasts more than 90 days.
The monthly LTD benefit is 60% of your pre-disability monthly base pay, reduced by Social Security and other disability income
benefits.
The maximum monthly LTD benefit is $5,000.
The minimum monthly LTD benefit is the greater of $100 or 10% of your monthly benefit before reductions for Social Security and
other income benefits.
Deductions are taken on a post-tax basis so any benefit is tax-free.
Coverage ends on your last day of employment.
When you enroll, you can choose a five-year benefit period or a benefit period to age 65.
LTD benefits are not paid for more than 24 months for mental or nervous disabilities.
A work incentive benefit lets you return to work during partial disability.
If you die while on LTD, three months of benefits will be paid to your survivor.
If you enroll during your initial eligibility period, you will
not be subject to approval by MetLife. Late enrollees are
subject to approval by MetLife and medical questions
will be required to be answered.
Conditions existing within three months of your effective
date of coverage are considered pre-existing and are
not covered until you are continuously insured for 12
months.
For information about the availability of state leave,
please contact the Benefits Department.
The cost of coverage is based on your age, monthly earnings,
and benefit period you choose, as shown in the following
chart. When completing your new hire enrollment on www.
AllegisMarketplace.com, you will be able to automatically
calculate your weekly LTD premium.
For more information on the LTD Plan, contact the Benefits
Service Center at 1-866-886-9798 to speak with a Benefits
Advisor.
Your Age
Under 25
25-29
30-34
35-39
40-44
45-49
50-54
55 and over
LTD Weekly Premium Multiplier*

5 Year Plan
To Age 65 Plan
0.031
0.036
0.050
0.067
0.090
0.144
0.237
0.404
0.045
0.056
0.081
0.118
0.157
0.254
0.355
0.452
The costs shown above are per $100 of monthly earnings.

Example For an individual age 36 with $3,000 in monthly earnings who chooses
benefits to age 65, the monthly LTD benefit is $1,800 and the weekly premium cost to
the employee is $3.54.
The monthly LTD benefit of $1,800 is based on 60% of the $3,000 monthly pay.
Monthly premiums are calculated for every $100 of monthly earnings (i.e., $3,000/$10
= 30).
Using the age of the employee (36) and the chart above, the premium multiplier
in this example is $0.118.
When the $0.118 is multiplied by 30, the employee arrives at his/her weekly
premium of $3.54.
(Please note, the maximum insurable monthly earnings amount is $8,333.33 ($100,000
annually)
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Life and AD&D Plans

Life Insurance Reliance Standard Life
The Allegis Group Life Insurance plans let you choose coverage for yourself, your spouse, and dependent children under age 19 (26 if
full-time student). You may elect coverage for your spouse without buying coverage for yourself. However, in order to buy coverage your
child(ren), either you or your spouse must elect coverage. Coverage is portableyou may purchase an individual policy if your Allegis
Group employment ends.
Employee Life InsuranceYou may buy up to $150,000 in term life insurance coverage. Evidence of Insurability is not required if
you enroll within your original eligibility period. If you enroll outside of your original eligibility period, you must provide Evidence
of Insurability. Coverage is available in increments of $10,000. When you enroll, you must name a beneficiary. The amount of
insurance in effect is subject to automatic reduction beginning at age 75.
Life Insurance for your SpouseYou may buy up to $30,000 in term life insurance for your spouse. Evidence of Insurability is
not required if you enroll your spouse within your original eligibility period. If you enroll outside of your original eligibility period,
you must provide Evidence of Insurability. Coverage is available in increments of $10,000. You are the beneficiary for spouses
coverage. On the date of application, your spouse must be under age 70. Insurance on a spouse terminates at age 75.
Life Insurance for Dependent ChildrenYou may elect $2,500, $5,000, $7,500, or $10,000 for dependent children up to age 19 (26
if full-time student). This benefit covers all of your eligible children. Coverage for children 14 days of age but less than 6 months
is $1,000. Coverage for children age 6 months but less than 26 years is the
Employee/Spouse Life Insurance
elected amount. You are the beneficiary.
Your Age
The cost of employee and spouses term life insurance is based on age and
the amount of coverage you select. The rates are the same for the employee
and spouses coverage. Weekly premium multipliers are shown on the following
chart. When completing your new hire enrollment on www.AllegisMarketplace.
com, you will be able to automatically calculate your weekly Life Insurance
premiums.
The cost of life insurance for dependent children is based on the coverage level
you choose, regardless of how many eligible children you have. Weekly premium
multipliers are shown on the following chart.
When completing your new hire enrollment on www.AllegisMarketplace.com,
you will be able to automatically calculate your weekly Life Insurance premium.
Weekly Premium Multiplier*
Under 30
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70 and over
$.141
$.171
$.247
$.351
$.653
$1.057
$1.638
$2.993
$4.403
$7.145
*The costs shown above are per $10,000 of life insurance coverage.
Example for an individual age 46 with $50,000 in life insurance,
the weekly cost is $3.27 [$.653 (weekly rate for age 46) times 5].
Age
Dependent Child(ren) Life Insurance

Weekly Premium Multiplier
$2,500*
6 months but less than 26 years
$.136
$5,000*
$.205
$7,500*
$.275
$10,000*
$.344
Amount of Insurance
* If 14 days but less than 6 months, benefit will be $1,000.
Please note, Life Insurance is not a COBRA eligible plan. However, if your employment ends you may elect to continue Life Insurance
for yourself and your dependents under the Portability and Conversion terms of the plan. You have 30 days to send your completed
application to the Allegis Group benefits department.
Please refer to the plan certificate, which can be located on www.AllegisMarketplace.com for more details, or contact the Benefits
Service Center at 1-866-886-9798 to speak with a Benefits Advisor.

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Accidental Death and Dismemberment (AD&D) Insurance Reliance Standard Life

Accidental Death and Dismemberment (AD&D) insurance covers you if you die or suffer serious injury as a result of an accident.
You may buy AD&D coverage of up to $500,000 in $10,000 increments.
Benefits are paid to your beneficiary if you die, or to you if you suffer certain injuries as a result of an accident.
AD&D benefits are paid in addition to your life insurance coverage if you die as a result of an accident.
Proof of good health is not required.
You may choose employee-only coverage or family coverage (family includes coverage for yourself).
If you choose family coverage, your spouses benefit is 60% of
yours and dependent childrens benefit is 15% of yours. You are
the beneficiary for your dependents AD&D coverage.
The cost of AD&D coverage depends on the coverage level you
choose, as shown on the following chart. When completing your new
hire enrollment on www.AllegisMarketplace.com, you will be able to
automatically calculate your weekly AD&D premiums.
Coverage Level
Employee/Family AD&D
Weekly Premium Multiplier
Employee Only
$.090
Family
$.210
*The costs shown above are per $10,000 of coverage.

Example: For an individual who chooses family AD&D coverage of
$50,000, the weekly cost is $1.05 [$.210 (weekly rate for family coverage)
Please note, AD&D Insurance is not a COBRA eligible plan. However, if
times 5].
your employment ends you may elect to continue AD&D Insurance for
yourself and your dependents under the Portability and Conversion
terms of the plan. You have 30 days to send your completed application to the Allegis Group benefits department.
Please refer to the plan certificate, which can be located on www.AllegisMarketplace.com for more details, or contact the Benefits
Service Center at 1-866-886-9798 to speak with a Benefits Advisor.
Filing Claims
Below are instructions on how to file a claim with each of the benefit carriers. All claim forms (where applicable) can be found on www.
AllegisMarketplace.com.
For Medical PPO Plan (Bronze*, Silver*, Gold*) Claims:
In-Networkprovider should submit claims to Aetna
Out-of-NetworkThe employee will pay the claim out-of-pocket and submit the claim to the address located on the Aetna Medical
Claim Form:
Aetna PO Box 981106 El Paso, TX 79998-1106
All claims must be submitted within 90 days from the date of service. Claims are not covered if they are filed more than two years after the
90-day deadline.
To obtain a medical claim form, go to AllegisMarketplace.com or visit www.aetna.com or call the member services number at 1-866-894-2770.
For Prescription Reimbursement Claims:
Submit the claim form, along with your register receipt and the appropriate drug receipt with name of pharmacy, name of the drug etc.
to the address located on the Aetna Medical Claim Form:
90-day deadline.
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For Bridge Plans (Basic, Enhanced, Premium) and Prescription Reimbursement Claims:
In-Networkprovider should submit claims to Aetna
Out-of-NetworkThe employee will pay the claim out-of-pocket and submit the claim to the address located on the Aetna Medical
Claim Form:
90-day deadline.
For Critical Illness, Accident Insurance, Hospital Indemnity Plan or Major Expense Protection Plan (MEPP) Claims:
Simply mail a copy of your itemized receipt for services (given to you by your provider) to the address below:
CLAIMS: Symetra Select Benefit Administrators of America P.O. Box 440 Ashland, WI 54806
Make sure the following information is shown on your service receipt:

Insureds ID (Social Security Number)

Patient Name
Provider name, address and ID
Diagnosis or ICD-9 code(s) [description of your medical condition]
Procedure or CPT or revenue codes [that indicate services rendered]
Associated charges
Dates of service.
If any of this information is missing, simply write it in.

For Dental Claims:
In Network-the dentist should submit the claim to MetLife
Out-of Network-the employee should submit the Dental Claim form to:
MetLife (National) P.O. Box 981282 El Paso, TX 79998
To obtain a dental claim form, go to AllegisMarketplace.com or visit MetLife.com.
For Vision Claims:
In-Networkthe employee pays appropriate copay, and the physician submits the claim to Vision Service Plan
Out-of-Networkthe employee should pay the provider the full amount of the bill and request an itemized copy of the bill that shows the
amount of the eye examination, lens type, and frame (if applicable). The employee should send a copy of the itemized bill to:
Vision Service Plan Attn: Non-Member Doctor Claims P.O. Box 997105 Sacramento, CA 95899-7100
The following information must be included:

Members name and mailing address

Members Social Security Number
Members employer (Allegis Group)
Patients name, relationship to member, and date of birth
Submit the above information on any generic insurance claim form that may be available upon request from your Non- Participating
provider. (Vision claim forms are not available at the Allegis Corporate offices.)
All claims must be submitted within 6 months from the date of service.

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For Life Insurance and Accidental Death & Dismemberment (AD&D) Claims:
The appropriate Reliance Standard Life Insurance Company Claim Form should be completed in full. The form, along the required
documentation (listed on the form) should be mailed to:
Allegis Group Corporate Benefits Department 7312 Parkway Drive Hanover, MD 21076
To obtain a life insurance and/or AD&D claim form, go to AllegisMarketplace.com.
For Short Term Disability (STD) Claims:
You may file a claim by calling The Hartfords toll-free number 1-866-945-7781 8:00 a.m.8:00 p.m. EST, or you may file a claim online
at www.TheHartfordAtWork.com. You will be asked to provide:
1.
2.
3.
4.
5.
Your name and social security number

Department and last day of active full-time work
Managers name and phone number
Nature of claim and whether its work-related
Treating physicians name, address and phone number
Family and Medical Leave (FMLA)

Complete the following forms:
Family and Medical Leave of Absence Form
Certification of Health Provider Form
You must contact your local office to make a request for leave. The Leave Administrator will reply directly to you via U.S. mail.
Both forms must be completed in full and sent together to:
Allegis Group Corporate Benefits Department 7312 Parkway Drive Hanover, MD 21076
To obtain FMLA forms, go to AllegisMarketplace.com.
For Long Term Disability (LTD) Claims:
The physician must complete the Long Term Disability Claim Form-Attending Physician, in full
The employee must complete the Long Term Disability Claim Form-Employee Statement, in full
The employer must complete the Long Term Disability Claim Form-Employer Statement, in full
All three fully completed forms must be sent together to:
MetLife P.O. Box 14590 Lexington, KY 40511-4590
To obtain LTD forms, go to AllegisMarketplace.com.
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Allegis Group 401(k) Plan

The Allegis Group 401(k) plan gives you an opportunity to build retirement savings. Here is how it works:
You can contribute up to 100% of your eligible compensation up to the maximum permitted by the IRS. The dollar limit is $ 18,000*
for 2015.
The plan offers a variety of different investment options, so you can tailor an investment strategy that suits your current situation
and your future needs.
The plan offers you two ways to save. You can make traditional 401(k) pre- tax contributions and lower your taxable income today
or make Roth 401(k) post-tax contributions and your investments will grow tax-free.
Employees are eligible to participate in the 401(k) plan on the 1st of the month following 30 days of employment.
Deductions usually begin during the first full week of payroll.
Employees age 50 or over may contribute an additional catch-up contribution. The maximum catch-up contribution is $6,000 for
2015. This full amount can be contributed even if you are highly compensated, as defined by the IRS.
The plan allows up to one loan at a time. The amount of the loan is limited to the lesser of one half of your vested account balance
or $50,000. The minimum loan amount is $1,000. All loans must be repaid within 5 years (or 10 years if such loan is taken to
purchase a primary residence). A $75 initiation fee for loans will be taken out of the proceeds of your loan.
*Highly compensated employees may not be able to defer the statutory maximum.
For more information or to enroll, visit AllegisMarketplace.com for a direct link to the Wells Fargo website or go to www.wellsfargo.com/
allegisgroup.
529 College Savings Plan Alliance Capital

Paying for college can be hard; but saving for college is easy with a 529 College Savings Plan. That is why Allegis Group offers access
to the Alliance Capital CollegeBoundFund. This plan is not part of Open Enrollment; you can sign up at any time.
There are no income limits; you can contribute no matter how much you earn.
You can save as little as $50 per month, and can contribute until your account reaches the current maximum of $350,000.
You have a variety of investment options through Alliance Capital.
Earnings on your account grow tax-free.
You can open an account for yourself, for a family member, or as a gift to a friend.
Withdrawals from your account can be used at accredited colleges, universities, graduate schools, and most community colleges
and vocational-technical schools in the U.S.
You may enroll any time throughout the year.
For more information or to enroll, visit www.corporate.collegeboundfund.com. On your first visit, select Company as your ID type and
use Allegis as your username and Allegis529 as your password. Follow the instructions on the website to enroll. If you do not have
access to a computer or the Internet, call Alliance Capital at 1-800-227-2900.

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Employee Discount Programs Allegis Group/Abenity

Allegis Group offers access to over 100,000 discounts and provides employees with an elite collection of local and national discounts
from thousands of hotels, restaurants, movie theaters, retailers, florists, car dealers, theme parks, national attractions, concerts, and
events through Abenity.
Abenity provides more than $4,500 in available savings from vendors including Costco, Sams Club, Sprint, Firestone, Papa Johns,
DirecTV, T-Mobile, Dell, Target.com, Verizon Wireless, Overstock.com, Brooks Brothers, Golds Gym, LA Fitness, Ballys Total Fitness and
Hewlett Packard. Offers are also available from over 150 national attractions and theme parks including the Walt Disney World Resort,
Universal Studios, SeaWorld, Cirque du Soleil, and Six Flags! Discount offers are redeemable in-store through printable and mobile
coupons, online, and over the phone.
Auto and Home Insurance MetLife

MetLife Auto and Home is a voluntary group benefit program that offers special group rates and policy discounts for personal insurance
coverage needs. Policies include auto, landlords rental dwelling, condo, mobile home, renters, recreational vehicle, boat, and personal
excess liability (umbrella) polices. For more information or to get a quote, visit AllegisMarketplace.com for a direct link to MetLife. Or
go to www.metlife.com or call MetLife at 1-800-438-6388.
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Health Advocacy, EAP + Work Life Benefit

services provided by Health Proponent,
powered by Health Advocate
Health Advocacy, EAP + Work Life Benefit Services are an excellent addition to your benefits package. They can
help you, your spouse, dependent children, parents and parents-in-law resolve healthcare and insurance-related issues, improve your
health, and balance your work and life. Below are key features of the plan.
Health Advocacy
You have unlimited access to a Personal Health Advocate, typically a registered nurse supported by medical directors and benefits and
claims specialists who can help you save you time, money and worry.
Your Personal Health Advocate can help you and your family:
Find the right doctors, hospital and other providers
Explain benefits coverage, health conditions and research the latest treatments
Schedule tests, appointments, and secure second opinions
Resolve billing and claims issues
And much more!
EAP + Work Life Benefits
This benefit gives you confidential access to a licensed professional counselor who will provide short-term assistance with personal,
family and work issues that are having an impact on your life and ability to focus on work.
Get help with personal, family and work issues such as:
Drug and alcohol abuse, depression, eating disorders, mental illness
Divorce, new baby, aging parents, grief and loss
Financial and legal issues, retirement, identity theft
Job stress, burnout, coping with difficult situations

Health Advocacy, EAP + Work Benefits

Weekly Premium
$1.38
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Transportation Benefits ConnectYourCare

Transportation Benefits allow you to use pre-tax payroll dollars to pay for qualified parking and transit expenses.
How Do I Place My Order?
You can place your order by selecting the ConnectYourCare link located on the left side of your AllegisMarketplace.com home page.
Once you arrive at the ConnectYourCare home page, you will then:
Select New Members and Existing User Log in Here in the upper right-hand corner.
If it is your first time visiting the site, choose New User Registration to select your user name and password.
From My Account, select Transportation Benefits to be taken to the Transit and Parking Home Page.
Once you have selected your metropolitan area, you can select your transit and/or parking provider and the type of pass you
require.
You can set your order up as recurring, meaning ConnectYourCare will automatically process it each month until you notify them
otherwise. ConnectYourCare can also send you an email each month reminding you that you have an order in the system and prompting
you to re-enter the site if you need to make a change.
You can enroll in Transportation Benefits at anytime during the year. Orders must be placed by the 10th of each month for use the
following month (example: orders placed by March 10 are for vouchers to be used in April). The amount of your purchase, plus a $2.00
post-tax administrative fee, will be deducted from your paycheck on or around the 12th of the month.
After you place your order your passes or vouchers will be mailed directly to you, or if you elect, your parking provider will be paid directly.
Additional information regarding Transportation Benefits, including eligible and ineligible expenses, can be found in IRS publication
15B. You may also call ConnectYourCare at 1-866-468-7010.
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Changing Your Benefits During the Plan Year

Once you enroll in a plan that you pay for with pre-tax contributions (pre-tax Medical/PPO Plans, Bridge Plans, Critical Illness Insurance,
Accident Insurance, Hospital Indemnity Plan, Major Expense Protection Plan, Dental, and Vision), you generally cannot change elections
during the plan year unless you have a qualifying status change as defined by the IRS.
Qualifying Status Changes and Effective Dates

Status Change Event
What You May Change
Effective Date
Marriage
Add yourself, spouse, child(ren) and/or

stepchild(ren)
First of the month following the event
Birth or adoption or placement for adoption of a child(ren)
Add yourself, spouse, child(ren) and/or

stepchild(ren)
Date of the Event
Divorce/Legal Separation
(only in states that recognize legal separation)
Cancel coverage for your spouse and

stepchildren if enrolled in your employers
plan/Add coverage for yourself and your
children if enrolled in your spouses plan
First of the month following the event
You, spouse or child(ren) loses other coverage1
Add yourself, spouse or child(ren)
First of the month coinciding

with or following the event
You, spouse, or child(ren) gains other group coverage2
Cancel coverage for yourself, spouse,

and/or child(ren) who gain coverage
End of the week in which

coverage is gained
Change in dependents eligibility for benefits, such as age
Cancel coverage for your dependent
End of the month following the event
1
2
Cancelling an individual health plan is not ordinarily considered a qualifying change and does not allow you to add coverage with Allegis Group.
Purchasing an individual health plan is not considered a qualifying change and does not allow you to cancel your coverage with Allegis Group.
This is a brief overview of some potential qualifying events. Eligible qualifying events are dictated by Internal Revenue Code Section 125.
Also note that you may be able to add coverage mid-year for yourself and/or your dependents (including your spouse or same-sex
domestic partner) if you decline enrollment for yourself or your dependents because of other health insurance or group health plan
coverage, and if you or your dependents subsequently lose eligibility for that other coverage (or if the employer stops contributing
towards your or your dependents other coverage). However, you must request enrollment within 30 days after your or your dependents
other coverage ends (or after the employer stops contributing toward the other coverage). In addition, if you have a new dependent as
a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you
must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. To request special enrollment or
obtain more information, contact the Benefit Service Center at 1-866-886-9798 or via e-mail at askbenefits@allegisgroup.com.
You have 30 days from the date of the status change to change your benefits. If you or your dependent become eligible for a state
premium subsidy for Medicaid or through a state childrens health insurance program with respect to coverage under this plan, you have
60 days from the date of such eligibility determination to enroll in the plan. If you or your dependent decline to participate in the plan
because you have Medicaid coverage or coverage under a state childrens health insurance program and you later lose that coverage
you have 60 days from the date of such loss of coverage to enroll in the plan
You may make your change on AllegisMarketplace.com or submit a change form. In either case, you need to submit hard copy proof of
the change, such as a birth or marriage certificate. You can only make changes consistent with the status change. For example, if you
add a child, you may add dependent life insurance and change your medical plan coverage level (i.e. employee plus one or family), but
you may not change or cancel your medical plan.
Please note, if you choose pre-tax contributions you may not change or cancel your benefits unless you incur a qualifying status
change. If you choose post-tax contributions you may cancel your benefits at any time during the year without restriction. However, you
cannot change your benefits (i.e., adding/removing dependents) unless you incur a qualifying status change.
Additionally, you may be able to drop your medical coverage during the year if your position changes and you are no longer expected
to work at least 30 hours a week. You will be required to certify that you will be enrolling in other medical coverage. Please contact a
Benefits Advisor at 1-866-886-9798 for more information.

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When Coverage Ends

Your coverage under the following plans will end at midnight on the Saturday following your last day of employment: Medical/PPO
Plans, Bridge Plans, Critical Illness Insurance, Accident Insurance, Hospital Indemnity Plan, Major Expense Protection Plan, Dental, and
Vision.
Example: If you work your final day on Friday, June 12 2015, then your coverage under any of the plans listed above will end at midnight
on Saturday, June 13, 2015. Disability, Life and AD&D coverage end on your last day of work.
Your benefit coverage also ends when you are no longer eligible, when you stop paying premiums, or when the group plan ends,
whichever comes first. Coverage for dependents ends when they are no longer eligible, when dependent coverage is no longer offered,
or when your coverage ends. Please see the Eligibility section of this guide for the definition of an eligible dependent.
COBRA information will be mailed to you when your COBRA eligible coverage ends. This information will come in the mail to you from
Kelly & Associates Insurance Group in Hunt Valley, Maryland. You may want to verify that your address is correct in the Benefits System
to prevent any delays in receiving your information.
COBRA eligible plans include: Medical PPO plans (Bronze*, Silver* Gold*), Dental, Vision, Major Expense Protection Plan (MEPP), Health
Advocacy, EAP + Work Life Benefits).
Please note, Bridge Plans, Critical Illness Insurance, Accident Insurance and the Hospital Indemnity Plan are not COBRA eligible plans.
They are portable, meaning you can elect to continue these plans after your coverage ends with Allegis Group. Please contact Symetra
directly for instructions.
Life Insurance, AD&D Insurance and Disability Insurance are also not COBRA eligible plans. However, you may elect to continue Life
Insurance & AD&D Insurance for yourself and your dependents under the Portability and Conversion terms of the plan. You have 30 days
to send your completed application to the Allegis Group Benefits Department. Please refer to the plan certificate, which can be located
on www.AllegisMarketplace.com for more details.
Reinstatements
If you are rehired within 30 days from the date your employment ended, you have the option to have your medical/prescription, dental,
and vision coverage reinstated without a lapse in coverage. In order to do so, you must contact the Benefits Service Center. You will
be reinstated with the same coverage and contributions you had prior to your employment ending. Please keep in mind, you will be
responsible for any missed weekly premiumspayment will automatically be made up with double deductions.
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Continuation of Health Care Coverage COBRA

COBRA (Consolidated Omnibus Budget Reconciliation Act) provides for continuation of health care coverage for employees and
covered dependents that lose their group coverage for a variety of reasons. It requires employers to offer the same medical coverage as
is offered to active employees and their families. You and your eligible dependents covered at the time your Company medical coverage
ends may elect to continue coverage, but you must pay the full (employee plus company) premium plus an additional administrative
fee.
When you can elect COBRA coverage
You can continue medical coverage for yourself and your covered dependents for up to 18 months, if your group coverage ends because:
You separate from service with the Company (for reasons other than gross misconduct on your part).
Your hours are reduced so that you are no longer eligible for the Company Plan.
If youor a dependentqualify as disabled (for Social Security benefit purposes) when the group coverage ends or within the first 60
days of COBRA coverage, coverage for the disabled person may continue for up to a total of 29 months.
Your spouse and covered children can elect to continue coverage for up to 36 months if their coverage ends due to:
Your death
Divorce or legal separation
If a termination or reduction of hours occurs less than 18 months after the employees Medicare entitlement (36 months of COBRA
coverage is allowed from the date of the Medicare entitlement).
Your dependent children can also elect to continue medical coverage for up to 36 months when they no longer qualify as your dependents.
Applying for COBRA coverage
When your coverage under the Company Plan ends, you or your dependents have 60 days to elect continued coverage. If you lose
coverage due to separation from service or a reduction in work hours, the Company will automatically notify you of your COBRA rights.
In the case of a divorce, legal separation, or when a child no longer qualifies for dependent coverage, you, your spouse, or dependent
child must notify the Company within 60 days of the event. You then will be provided with information on your COBRA rights.
When COBRA coverage ends
The Company has the right to end your COBRA continued coverage if:

The Company stops providing medical coverage for all employees

You do not pay your premium on time
You become covered by another group health plan
You become covered by Medicare
You extended COBRA coverage to 29 months due to disability, but are no longer considered disabled

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2015 COBRA Premiums

Medical PPO Plans (Bronze*, Silver*, Gold*)
To obtain the Medical PPO Plan monthly COBRA premiums, please contact the
Benefits Service Center via email at askbenefits@allegisgroup.com or by calling 1-866-886-9798.
Major Expense Protection Plan

Coverage Level
Monthly Premium
Employee Only
$108.08
Employee & Partner
$224.75
Employee & Child
$224.75
Family
$257.34
Dental and Vision
Coverage Level
Dental Monthly Premium
Vision Monthly Premium
Employee Only
$28.93
$7.48
Employee & Partner
$66.24
$11.74
Employee & Children
$58.14
$11.97
Family
$74.86
$19.32
Health Advocacy & EAP/Work Life Benefits

$6.12
Please note, the Aetna Bridge Plans, Critical Illness Insurance and Accident Insurance, and Hospital Indemnity Plan are
not COBRA eligible. You may elect to continue these plans after your Allegis Group coverage ends. Please contact Symetra
for instructions.
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Key Contacts, Telephone Numbers, & Websites

For Enrollment, Eligibility or Administrative
Questions, contact the Benefits Service Center
1-866-886-9798
www.AllegisMarketplace.com
askbenefits@allegisgroup.com
For Medical/Prescription PPO Bronze*, Silver*,
or Gold* Coverage or Claim Questions, or Questions About How
the Benefits Work, contact Aetna
For Health Savings Account (HSA), contact Wells Fargo

1-866-884-7374
www.wellsfargo.com
For Dental Benefits, Claim Questions,
or Participating Dentists, contact MetLife
1-800-942-0854
www.metlife.com/dental
1-855-873-9409
www.aetna.com
For Vision Benefits, Claim Questions, or

Participating Eye Care Providers, contact VSP
For Bridge Plans (Basic Enhanced, Premium) Coverage

or Claim Questions, or Questions
About How the Benefits Work, contact Aetna
1-800-877-7195
www.vsp.com
1-855-873-9409
www.aetna.com
For Short Term Disability, contact The Hartford

1-866-945-7781
For Critical Illness Coverage or Claim

Questions, or Questions About How the
Benefits Work contact Select Benefits
For Long Term Disability, contact MetLife
1-800-497-3699
For Life and Accidental Death &

Dismemberment (AD&D) Insurance,
contact Reliance Standard Life Insurance
For Accident Insurance Coverage or Claim

Questions, or Questions About How the
Benefits Work contact Select Benefits
1-800-497-3699
For Hospital Indemnity Claim Questions,
or Questions About How Hospital Indemnity
Benefits Work,contact Select Benefits
1-800-497-3699
For Major Expense Protection Plan (MEPP) Benefits
or Claims Questions, contact Select Benefits
1-800-300-4296
1-800-351-7500
For 401(k),contact Wells Fargo
1-800-728-3123
www.wellsfargo.com/allegisgroup
For 529 College Savings Plan, contact Alliance Capital
1-800-227-2900
www.corporate.collegeboundfund.com
For Auto & Home Insurance contact MetLife
1-800-497-3699
1-800-438-6388
www.metlife.com
For Health Advocate Advocacy Services, Employee Assistance

Plan (EAP) and Work Life Benefits
For Transportation Benefits contact ConnectYourCare
1-866-949-3435
www.healthproponent.com/Allegis
1-866-468-7010
www.connectyourcare.com

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Appendix: Important Annual Medical Plan Notices

The Womens Health and Cancer Rights Act of 1998
The Womens Health and Cancer Rights Act of 1998 requires Allegis Group Inc., to notify you, as a participant of the Allegis Group Inc.
Health Plan for Contract Employees, of your rights related to benefits provided through the plan in connection with a mastectomy.
You as a participant or beneficiary have the right for coverage to be provided in a manner determined in consultation with your attending
physician for:
a) All stages of reconstruction of the breast on which the mastectomy was performed;
b) Surgery and reconstruction of the other breast to produce a symmetrical appearance;
c) Prostheses; and
d) Treatment of physical complications of all stages of then mastectomy, including lymphedemas.
These benefits are subject to the same deductibles and coinsurance applicable to other medical and surgical benefits under the plan
as described in the plans Summary Plan Description (SPD). For further details, refer to your SPD.
Newborns and Mothers Health Protection Act Notice

Group health plans and health insurance issuers federally may not, under federal law, restrict benefits for any hospital length of stay
in connection with childbirth for the mother or newborn child to less than 48 hours following vaginal delivery or less that 96 hours
following a cesarean section.
However, federal law generally does not prohibit the mother or newborns attending provider, after consulting with the mother, from
discharging the mother or her newborn earlier than 48 hours, or 96 hours as applicable. In any case, plans and insurers may not, under
federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in
excess of 48 hours/96 hours.
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Medicare Part D
PLEASE NOTE: This Notice only applies to you if you are eligible for Medicare. If your covered spouse or dependent is covered by
Medicare please share this notice with them.
Important Notice from Allegis Group Inc. About Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug
coverage with Allegis and about your options under Medicares prescription drug coverage. This information can help you decide
whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage,
including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage
in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this
notice.
There are two important things you need to know about your current coverage and Medicares prescription drug coverage:
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a
Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage.
All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage
for a higher monthly premium.
2. Allegis has determined that the prescription drug coverage offered with this plan(s) is, on average for all plan participants, expected
to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage.
Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you
later decide to join a Medicare drug plan.
When Can You Join A Medicare Drug Plan?
You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.
However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two
(2) month Special Enrollment Period (SEP) to join a Medicare drug plan.
What are My Choices
If you decide to join a Medicare prescription drug plan, your current prescription drug coverage with Allegis will not be affected.
Before choosing whether to enroll in a Medicare prescription drug plan, you should compare your current coverage, including which
drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. You
could choose to:
#1 Keep your medical and prescription drug coverage through Allegis, and not enroll in a Medicare prescription drug plan yet.
This choice is available to you because the prescription drug coverage that is offered to you as part of the overall package of medical
benefits provided by Allegis is creditablemeaning that, on average, it is at least as good as the standard Medicare prescription drug
coverage.
#2 Keep your medical and prescription drug coverage through Allegis, but also enroll in a Medicare prescription drug plan now.
Under this choice, you will be paying premiums for both the Medicare prescription drug plan you select and for medical and prescription
drug coverage through Allegis. You will continue to receive medical and prescription drug benefits through Allegis. The benefits (if any)
that you receive from the Medicare prescription drug plan you select will depend on the cost and type of prescription drugs that you use,
the coverage of the plan that you choose, and the prescription drug coverage provided under Allegiss plan. If you enroll in a Medicare
prescription drug plan, you must notify the Allegis Benefits Service Center so that your Allegis benefits can be coordinated with the
benefits you receive through the Medicare prescription drug plan.

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#3 Enroll in a Medicare prescription drug plan now and drop your medical and prescription drug coverage through Allegis.
Under this choice, you will have prescription drug coverage only through the Medicare prescription drug plan that you have selected.
However, you will also be dropping ALL of your medical coverage through Allegisnot just the prescription drug coverageand you may
not be able to re-enroll or otherwise get this coverage back.
When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with Allegis and dont join a Medicare drug plan within 63 continuous
days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.
If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least
1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go
nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary
premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition,
you may have to wait until the following October to join.
For More Information About This Notice Or Your Current Prescription Drug Coverage
Contact the person listed below for further information. NOTE: Youll get this notice each year. You will also get it before the next period
you can join a Medicare drug plan, and if this coverage through Maxim changes. You also may request a copy of this notice at any time.
For More Information About Your Options Under Medicare Prescription Drug Coverage
More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. Youll get
a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more
information about Medicare prescription drug coverage:
Visit www.medicare.gov
Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the Medicare & You handbook
for their telephone number) for personalized help
Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about
this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).
Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy
of this notice when you join to show whether or not you have maintained creditable coverage and, therefore whether or not you are required to
pay a higher premium (a penalty).
Date: October 2014
Name of Entity/Sender: Allegis Group, Inc.,
ContactPosition/Office: Benefits Service Center Address: 7312 Parkway Drive, Hanover, MD 21076
Phone Number: 1-866-886-9798
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Premium Assistance
Under Medicaid and
the Childrens Health
Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and
youre eligible for health coverage from your employer,
your state may have a premium assistance program
that can help pay for coverage, using funds from their
Medicaid or CHIP programs. If you or your children arent
eligible for Medicaid or CHIP, you wont be eligible for
these premium assistance programs but you may be able
to buy individual insurance coverage through the Health
Insurance Marketplace. For more information, visit www.
healthcare.gov.
If you or your dependents are already enrolled in Medicaid
or CHIP and you live in a State listed below, contact your
State Medicaid or CHIP office to find out if premium
assistance is available.
If you or your dependents are NOT currently enrolled
in Medicaid or CHIP, and you think you or any of your
dependents might be eligible for either of these programs,
contact your State Medicaid or CHIP office or dial 1-877KIDS NOW or www.insurekidsnow.gov to find out how
to apply. If you qualify, ask your state if it has a program
that might help you pay the premiums for an employersponsored plan.
Once it is determined that you or your dependents are
eligible for premium assistance under Medicaid or CHIP,
as well as eligible under your employer plan, your employer
must allow you to enroll in your employer plan if you arent
already enrolled. This is called a special enrollment
opportunity, and you must request coverage within 60
days of being determined eligible for premium assistance.
If you have questions about enrolling in your employer
plan, contact the Department of Labor at www.askebsa.
dol.gov or call 1-866-444-EBSA (3272).
ALABAMA Medicaid
Website: http://www.medicaid.alabama.gov
Phone: 1-855-692-5447
ALASKA Medicaid
Website: http://health.hss.state.ak.us/dpa/programs/medicaid/
Phone (Outside of Anchorage): 1-888-318-8890
Phone (Anchorage): 907-269-6529
ARIZONA CHIP
Website: http://www.azahcccs.gov/applicants
Phone (Outside of Maricopa County): 1-877-764-5437
Phone (Maricopa County): 602-417-5437
COLORADO Medicaid
Medicaid Website: http://www.colorado.gov/
Medicaid Phone (In state): 1-800-866-3513
Medicaid Phone (Out of state): 1-800-221-3943
FLORIDA Medicaid
Website: https://www.flmedicaidtplrecovery.com/
Phone: 1-877-357-3268
GEORGIA Medicaid
Website: http://dch.georgia.gov/ - Click on Programs, then
Medicaid, then Health Insurance Premium Payment (HIPP)
Phone: 1-800-869-1150
IDAHO Medicaid
Medicaid Website:
http://healthandwelfare.idaho.gov/Medical/Medicaid/Premium
Assistance/tabid/1510/Default.aspx
Medicaid Phone: 1-800-926-2588
INDIANA Medicaid
Website: http://www.in.gov/fssa
Phone: 1-800-889-9949
IOWA Medicaid
Website: www.dhs.state.ia.us/hipp/
Phone: 1-888-346-9562
KANSAS Medicaid
Website: http://www.kdheks.gov/hcf/
Phone: 1-800-792-4884
KENTUCKY Medicaid
Website: http://chfs.ky.gov/dms/default.htm
Phone: 1-800-635-2570
LOUISIANA Medicaid
If you live in one of the following States, you may be

eligible for assistance paying your employer health plan
premiums. The following list of States is current as of
July 31, 2014. You should contact your State for further
information on eligibility.
Website: http://www.lahipp.dhh.louisiana.gov
Phone: 1-888-695-2447
MAINE Medicaid
Website: http://www.maine.gov/dhhs/ofi/publicassistance/index.html
Phone: 1-800-977-6740
TTY 1-800-977-6741
MASSACHUSETTS Medicaid and CHIP
Website: http://www.mass.gov/MassHealth
Phone: 1-800-462-1120

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MINNESOTA Medicaid
SOUTH CAROLINA Medicaid
Website: http://www.dhs.state.mn.us/
Click on Health Care, then Medical Assistance
Phone: 1-800-657-3629
Website: http://www.scdhhs.gov
Phone: 1-888-549-0820
MISSOURI Medicaid
Website: http://dss.sd.gov
Phone: 1-888-828-0059
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm
Phone: 573-751-2005
MONTANA Medicaid
Website: http://medicaidprovider.hhs.mt.gov/clientpages/
clientindex.shtml
Phone: 1-800-694-3084
SOUTH DAKOTA - Medicaid
TEXAS Medicaid
Website: https://www.gethipptexas.com/
Phone: 1-800-440-0493
UTAH Medicaid and CHIP
NEBRASKA Medicaid
Website: http://health.utah.gov/upp
Phone: 1-866-435-7414
Website: www.ACCESSNebraska.ne.gov
Phone: 1-855-632-7633
VERMONT Medicaid
NEVADA Medicaid
Website: http://www.greenmountaincare.org/
Phone: 1-800-250-8427
Medicaid Website: http://dwss.nv.gov/

VIRGINIA Medicaid and CHIP
NEW HAMPSHIRE Medicaid
Medicaid Website:
http://www.coverva.org/programs_premium_assistance.cfm
Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf
Phone: 603-271-5218
NEW JERSEY Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/
dmahs/clients/medicaid/
Medicaid Phone: 609-631-2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710
NEW YORK Medicaid
Website: http://www.nyhealth.gov/health_care/medicaid/
Phone: 1-800-541-2831
NORTH CAROLINA Medicaid
Website: http://www.ncdhhs.gov/dma
Phone: 919-855-4100
NORTH DAKOTA Medicaid
Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/
Phone: 1-800-755-2604
OKLAHOMA Medicaid and CHIP
Website: http://www.insureoklahoma.org
Phone: 1-888-365-3742
OREGON Medicaid
Website: http://www.oregonhealthykids.gov
http://www.hijossaludablesoregon.gov
Phone: 1-800-699-9075
PENNSYLVANIA Medicaid
Website: http://www.dpw.state.pa.us/hipp
Phone: 1-800-692-7462
RHODE ISLAND Medicaid
Website: www.ohhs.ri.gov
Phone: 401-462-5300
CHIP Website:
http://www.coverva.org/programs_premium_assistance.cfm
CHIP Phone: 1-855-242-8282
WASHINGTON Medicaid
Website: http://www.hca.wa.gov/medicaid/premiumpymt/pages/
index.aspx
Phone: 1-800-562-3022 ext. 15473
WEST VIRGINIA Medicaid
Website: www.dhhr.wv.gov/bms/
Phone: 1-877-598-5820, HMS Third Party Liability
WISCONSIN Medicaid
Website: http://www.badgercareplus.org/pubs/p-10095.htm
Phone: 1-800-362-3002
WYOMING Medicaid
Website: http://health.wyo.gov/healthcarefin/equalitycare
Phone: 307-777-7531
To see if any other states have added a premium assistance

program since July 31, 2014, or for more information on
special enrollment rights, contact either:
U.S. Department of Labor
Employee Benefits Security Administration
www.dol.gov/ebsa
1-866-444-EBSA (3272)
U.S. Department of Health and Human Services
Centers for Medicare & Medicaid Services
www.cms.hhs.gov
1-877-267-2323, Menu Option 4, Ext. 61565
OMB Control Number 1210-0137 (expires 10/31/2016)
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New Health Insurance Marketplace Coverage Options &

Your Health Coverage
PART A: General Information
Key parts of the health care law took effect in 2014, creating a new way to buy health insurance: the Health Insurance Marketplace. To
assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and
employmentbased health coverage.
What is the Health Insurance Marketplace?

The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers onestop shopping to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers
your monthly premium right away. Open Enrollment for health insurance coverage through the Marketplace begins in November 2014
for coverage starting as early as January 1, 2015.
Can I Save Money on my Health Insurance Premiums in the Marketplace?

You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage
that doesnt meet certain standards. The savings on your premium that youre eligible for depends on your household income.
Does Employer Health Coverage Affect Eligibility for Premium Savings through
the Marketplace?
Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit
through the Marketplace and may wish to enroll in your employers health plan. However, you may be eligible for a tax credit that lowers
your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer
coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of
your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the
minimum value standard set by the Affordable Care Act, you may be eligible for a tax credit.1
Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you
may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution -as well as your employee
contribution to employer-offered coverage- is often excluded from income for Federal and State income tax purposes. Your payments
for coverage through the Marketplace are made on an after- tax basis.
How Can I Get More Information?

For more information about your coverage offered by your employer, please check your summary plan description or contact the Allegis
Benefits Service Center at 1-866-886-9798 or send an e-mail to AskBenefits@allegisgroup.com.
The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and
its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact
information for a Health Insurance Marketplace in your area.
1
An employer-sponsored health plan meets the minimum value standard if the plans share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs.

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PART B: Information About Health Coverage Offered by Your Employer

This section contains information about any health coverage offered by your employer. If you decide to complete an
application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered
to correspond to the Marketplace application.
3. Employer name
4. Employer Identification Number (EIN)
52-1304931
Allegis Group, Inc.

5. Employer address
6. Employer phone number
7312 Parkway Drive
866-886-9798
7. City
8. State
MD
Hanover
9. ZIP code
21076
10. Who can we contact about employee health coverage at this job?
The Allegis Benefits Service Center at 866-886-9798

11. Phone number (if different from above)
12. Email address
AskBenefits@allegisgroup.com
Here is some basic information about health coverage offered by this employer:
As your employer, we offer a health plan to:

All employees.
Some employees. Eligible employees are:
Set out in your Benefits Guide.
With respect to dependents:
We do offer coverage. Eligible dependents are:
Set out in your Benefits Guide.
We do not offer coverage.
If checked, this coverage meets the minimum value standard, and the cost of this coverage to you is intended to
be affordable, based on employee wages.
** Even if your employer intends your coverage to be affordable, you may still be eligible for a premium
discount through the Marketplace. The Marketplace will use your household income, along with other factors,
to determine whether you may be eligible for a premium discount. If, for example, your wages vary from
week to week (perhaps you are an hourly employee or you work on a commission basis), if you are newly
employed mid-year, or if you have other income losses, you may still qualify for a premium discount.
If you decide to shop for coverage in the Marketplace, HealthCare.gov will guide you through the process. Here's the
employer information you'll enter when you visit HealthCare.gov to find out if you can get a tax credit to lower your
monthly premiums.
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A Final Word
In this brochure, we describe your employee benefits in a clear, simple, and concise
manner. Complete descriptions of the plans are contained in the corresponding contracts
or plan documents. If there is any disagreement between this brochure and the wording of
the corresponding contract or plan document, the contract or plan document will govern.
Allegis Group reserves the right to modify, amend, suspend, or terminate any plan, in whole
or in part, at any time. This brochure does not constitute a guarantee of employment.

75
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Health Care Benefits Acknowledgment

Please initial each of the statements below to acknowledge the following:
____ I have received the summary of the benefit plans in which I am eligible to participate and understand that I

am eligible to enroll in medical coverage.
____ I have received the notice titled New Health Insurance Marketplace Coverage Options and Your Health
Coverage.
____ I have received a Summary of Benefits and Coverage describing the benefits available to me.
____

I acknowledge this is only a summary of the benefits. This brochure describes my employee benefits in
a clear, concise manner. Complete descriptions of the plans are contained in the corresponding plan documents.
If there is any disagreement between this brochure and the wording of the corresponding contract or plan
document, the contract or plan document will govern. Allegis Group, Inc. and its operating companies reserve the
right to modify, amend, suspend, or terminate any plan in whole or in part, at any time.
____ I understand that I may access more information about the medical benefits available to me at any time by
visiting AllegisMarketplace.com or by calling 1-866-886-9798 to request a paper copy of relevant documents at

any time free of charge.
____ I acknowledge if I choose to participate in the benefit for which I am eligible, I will need to visit

AllegisMarketplace.com or complete the required paper enrollment forms to enroll.
This brochure does not constitute a guarantee of employment.
If you enroll in benefits during the first month in which you are eligible to participate, your enrollment will be retroactive
to the first of the month and you will be double deducted from your paycheck for any missed weekly premiums.
Printed Name of Employee: _______________________________________________________________________________________
Signature of Employee: ______________________________________________________
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Date: ____________________________

Designed & Prepared by:
Group Insurance Brokers & Consultants Specializing in Healthcare

A Division of Kelly & Associates Insurance Group
301 International Circle Hunt Valley, MD 21030
Kelly & Associates Insurance Group, Inc (KELLY) provides administrative services that include: billing, enrollment and call center service
for insurance benefits. The administration of benefits by KELLY does not guarantee coverage. Billing and collecting premiums or sending
payroll deduction files, does not constitute coverage being bound. Please refer to specific insurance carrier contract for rules requiring
evidence of insurability (EOI) or other underwriting requirements regarding final insurance carrier approval. KELLY is not an insurer and
is not responsible for paying insurance benefit claims relative to KELLY's involvement with billing and collecting insurance premiums.
*This booklet summary is only intended as a brief summary of your benefits. Benefits are subject to the contractual terms, limitations
and exclusions as set forth in the master contracts.

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1933ALL

Benefits Guide 2015

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Benefit Guide for Contract Employees

January 1, 2015 December 31, 2015

Enroll Online at www.AllegisMarketplace.com

Enroll online at www.AllegisMarketplace.com

ALLEGIS GROUP : Open Choice Bronze PPO Plan

Coverage Period: 01/01/2015 - 12/31/2015

What is the overall

Does this plan use a

Questions: Call 1-855-873-9409 or visit us at www.HealthReformPlanSBC.com.

Are there services this

Yes. See www.aetna.com or call

What is not included in

Yes. Network: Individual $6,450 / Family

Are there other deductibles

Why this Matters:

at www.HealthReformPlanSBC.com or by calling 1-855-873-9409.

Enroll online at www.AllegisMarketplace.com

ALLEGIS GROUP : Open Choice Bronze PPO Plan

Coverage Period: 01/01/2015 - 12/31/2015

Enroll online at www.AllegisMarketplace.com

Primary care visit to treat an injury or

Services You May Need

Imaging (CT/PET scans, MRIs)

Pre-authorization may be required.

Age and frequency schedules may apply.

Coverage is limited to 12 visits per calendar

Includes Internist, General Physician,

Limitations & Exceptions

40% coinsurance after

Questions: Call 1-855-873-9409 or visit us at www.HealthReformPlanSBC.com.

If you have a test

Preventive care /screening

If you visit a health

ALLEGIS GROUP : Open Choice Bronze PPO Plan

If you need drugs to

Emergency medical transportation

Facility fee (e.g., ambulatory surgery

If you have a hospital Facility fee (e.g., hospital room)

Preferred brand drugs

Services You May Need

After deductible, 50%

Questions: Call 1-855-873-9409 or visit us at www.HealthReformPlanSBC.com.

40% coinsurance after

Coverage Period: 01/01/2015 - 12/31/2015

Pre-authorization required for

No coverage for non-emergency transport.

Covers up to a 30 day supply (retail

Limitations & Exceptions

Coverage for: Individual + Family | Plan Type: PPO

Enroll online at www.AllegisMarketplace.com

Enroll online at www.AllegisMarketplace.com

40% coinsurance after

Home health care

Skilled nursing care

Durable medical equipment

40% coinsurance after

Delivery and all inpatient services

40% coinsurance after

Questions: Call 1-855-873-9409 or visit us at www.HealthReformPlanSBC.com.

If your child needs