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2024 Plan Year

Credence Home Care Agency Inc.

Presented by Abby's Consulting Service LLC.

Allstate 1 Credence Home Care Agency

Medical Plan/Rate Summary

Please review this proposal. If you are ready to move forward, contact your Licensed Agent or Sales Representative to discuss the next steps. Plans quoted in this proposal: 4

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Plan NamePlan 1Plan 2Plan 3
Plan TypeAdvantageAdvantageAdvantage
Medical Plan DesignSELF-FUNDED ADVANTAGE PPO COPAY PLANSELF-FUNDED ADVANTAGE PPO COPAY PLANSELF-FUNDED ADVANTAGE PPO COPAY PLAN
Individual Deductible$500 In-network/NA Out-of- network$2,500 In-network/NA Out-of- network$3,500 In-network/NA Out-of- network
Family Deductible$1,000 In-network/NA Out-of- network$5,000 In-network/NA Out-of- network$7,000 In-network/NA Out-of- network
Coinsurance90% In-network/NA Out-of- network70% In-network/NA Out-of- network70% In-network/NA Out-of- network
Total Ind Plan OOP Maximum$7,150 In-network/NA Out-of- network$9,100 In-network/NA Out-of- network$9,100 In-network/NA Out-of- network
Total Fam Plan OOPh Maximum$14,300 In-network/NA Out-of- network$18,200 In-network/NA Out-of- network$18,200 In-network/NA Out-of- network
Family Deductible Accumulation MethodIndividual/Family deductibleIndividual/Family deductibleIndividual/Family deductible
PCP/Specialist Visit$35/$50 copay, then covered at 100%$40/$60 copay, then covered at 100%$50/$75 copay, then covered at 100%
Telemedicine Vendor(s)Walmart Health Virtual Care, Vori HealthWalmart Health Virtual Care, Vori HealthWalmart Health Virtual Care, Vori Health
Walmart Health Virtual Care Telemedicine$0 per visit for Urgent Care or Talk Therapy visits Up to three Walmart Health Virtual Care Urgent Care visits per individual and five Walmart Health Virtual Care Talk Therapy visits per individual are included per month.$0 per visit for Urgent Care or Talk Therapy visits Up to three Walmart Health Virtual Care Urgent Care visits per individual and five Walmart Health Virtual Care Talk Therapy visits per individual are included per month.$0 per visit for Urgent Care or Talk Therapy visits Up to three Walmart Health Virtual Care Urgent Care visits per individual and five Walmart Health Virtual Care Talk Therapy visits per individual are included per month.
Vori Health virtual muscle and joint care Telemedicine$0 copay for initial evaluation $0 copay for 12-month treatment plans for knee, lumbar spine, cervical spine, hip, and/or shoulder pain Other Vori Health covered charges subject to deductible and coinsurance$0 copay for initial evaluation $0 copay for 12-month treatment plans for knee, lumbar spine, cervical spine, hip, and/or shoulder pain Other Vori Health covered charges subject to deductible and coinsurance$0 copay for initial evaluation $0 copay for 12-month treatment plans for knee, lumbar spine, cervical spine, hip, and/or shoulder pain Other Vori Health covered charges subject to deductible and coinsurance
Urgent Care Visit$75 copay, then covered at 100%$75 copay, then covered at 100%$100 copay, then covered at 100%
Medical NetworkAetna Signature Administrators ®Aetna Signature Administrators ®Aetna Signature Administrators ®
OP SurgeryDeductible and coinsuranceDeductible and coinsuranceDeductible and coinsurance
Pharmacy Benefit ManagerCIGNA PBMCIGNA PBMCIGNA PBM
Rx Coverage (Generic/Brand/ Non-preferred brand)$20/$50/$75$20/$50/$75$20/$65/$100
DXLDeductible and coinsuranceDeductible and coinsuranceDeductible and coinsurance
ER TreatmentDeductible and coinsuranceDeductible and coinsuranceDeductible and coinsurance
AMEN/AN/AN/A

Rate Summary

Monthly Bill Medical   
Employee$377.90$236.08$235.42
Employee + Spouse$963.64$620$600.30
Employee + Child$736.90$460.35$459.06
Family$1247.06$779.06$776.87
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The Self-Funded Program through Allstate Benefits provides tools for employers owning small to mid-sized businesses to establish a self-funded health benefit plan for their employees. The benefit plan is established by the employer and is not an insurance product. For employers in the Self-Funded Program, stop-loss insurance is underwritten by: Integon National Insurance Company in CT, NY and VT; Integon Indemnity Corporation in FL; and National Health Insurance Company in WA, CO, and all other states where offered.

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Lincoln Dental Plan

          Lincoln  PPOAmeritas PPO Reliance
 PPO
 MAC MAC MAC
Annual Maximum     $1,500$1,500$1,500$1,500$1,500$1,500
Deductible (Ind/Fam)$50/$150$50/$150$50/$150$50/$150$50/$150$50/$150
Preventive Services (Type I)         100%100%100%100%100%100%
Basic Restorative Services (Type II)           80%80%80%80%80%80%
Major Restorative Services (Type III)    50%50%50%50%50%50%
Orthodontic Services (Type IV)     Not IncludedNot IncludedNot Included
Rate Guarantee   2 Years1 Year1 Year
Rates   
Employee39$20.40$25.12$26.01
Employee & Spouse10$41.32$48.32$50.05
Employee & Child7$55.71$56.80$58.55
Employee & Family18$83.54$80.00$82.59
Estimated Monthly Premium $3,102.49 $3,300.48 $3,411.36
Estimated Yearly Premium $37,229.88 $39,605.76 $40,936.32
Participation 75% of eligible lives20% of eligible lives40% of eligible lives<table class=”cinereousTable”>
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Lincoln Vision Plan

LincolnAmeritasRelianceReliance
SpecteraEyeMedVSPEyeMed
    
FrequenciesFrequenciesFrequenciesFrequencies
Eye Exam12 months12 months12 months12 months
Lense Benefit12 months12 months12 months12 months
Contact Lenses12 months12 months12 months12 months
Frames24 months24 months24 months24 months
Reimbursement ScheduleReimbursement ScheduleReimbursement ScheduleReimbursement Schedule
In NetworkOut of NetworkIn NetworkOut of NetworkIn NetworkOut of NetworkIn NetworkOut of Network
Eye Exam$10 CopayUp to $40$10 CopayUp to $35$10 CopayUp to $45$10 CopayUp to $35
Base Lenses
Single Vision Allowance$25 CopayUp to $40$25 CopayUp to $25$25 CopayUp to $30$25 CopayUp to $25
Bifocal Allowance$25 CopayUp to $60$25 CopayUp to $40$25 CopayUp to $50$25 CopayUp to $40
Trifocal Allowance$25 CopayUp to $80$25 CopayUp to $55$25 CopayUp to $65$25 CopayUp to $55
Lenticular Allowance$25 CopayUp to $8020% discountNo benefit$25 CopayUp to $10020% discountNo benefit
Contact Lenses
Elective Allowance$125Up to $125$150Up to $120$150Up to $120$150Up to $120
Medically Necessary$25 CopayUp to $210$25 CopayUp to $210$25 CopayUp to $210$25 CopayUp to $200
Frame  Allowance$130Up to $45$150Up to $75$150Up to $75$150Up to $75
Rate Guarantee2 Years2 Years2 Years2 Years
RatesOptionOptionOptionOption
Single39$6.09$7.76$6.70$6.73
Employee/ Spouse10$11.54$15.36$13.06$13.33
Employee/ Child(ren)7$13.55$14.08$11.70$12.24
Family18$19.03$21.68$18.05$18.84
Monthly Cost$790.30$945.04$798.70$820.57
Annual Cost$9,483.60$11,340.48$9,584.40$9,846.84
Participation2 enrolled lives3 enrolled lives10 enrolled lives10 enrolled lives
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Lincoln Short Term Disability Plan

LincolnReliance
Schedule of Benefits
ContributionsVoluntaryVoluntary
Benefit %60%60%
Maximum Weekly Benefit$1,500$1,000
Benefits Begin:
           Accident8th day15th day
           Sickness8th day15th day
Maximum Benefit Period13 Weeks11 weeks
Rate Per $10 Weekly BenefitAge BandedAge Banded
Total Estimated VolumeUnknownUnknown
Total Employees164164
Estimated Monthly STD PremiumUnknownUnknown
Estimated Annual STD PremiumUnknownUnknown
Rate Guarantee3 Years2 Years
Participation15% of eligible lives30% participation
Age BandsRates per $10 of weekly benefitRates per $10 of weekly benefit
0-241.3210.997
25-291.3211.181
30-341.3211.156
35-391.3210.863
40-441.3780.974
45-491.4170.833
50-541.4420.974
55-591.4761.157
60-641.6001.302
65-691.6571.636
70+1.7262.094
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Lincoln Long Term Disability Plan

LincolnReliance
SCHEDULE OF BENEFITS
Participation15%30%
Benefit %60%60%
Maximum Monthly Benefit$7,000$5,000
Elimination Period90 Days90 Days
Benefit DurationSSNRAExtended ADEA-B
Own Occupation Period2 Years2 Years
Minimum Monthly Benefit$100$100
Mental Illness, Alcohol & Drug Limitation2 year limit2 year limit
Survivor Benefit3 Month3 Month
Pre-Existing Exclusion3/123/12
Rate Guarantee 3 Years2 Years
Total Covered Monthly PayrollUnknownUnknown
Rate/$100 of Covered WagesAge BandedAge Banded
Monthly CostsUnknownUnknown
Annual CostsUnknownUnknown
Age BandsRates per $100 of covered monthly payrollRates per $100 of covered monthly payroll
18-240.124
0-29/25-290.2350.197
30-340.4380.354
35-390.7300.568
40-441.1140.981
45-491.5521.281
50-542.0061.810
55-592.5592.336
60-642.1441.802
65-691.6831.217
70-741.4600.885
75+1.460.89
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Lincoln Voluntary Hospital Indemnity Plan

Hospital IdemnityLincolnReliance StandardReliance High
Benefit Detail
Hospital Admission$1,000 once/calendar year$1,000 once/calendar year$1,500 once/calendar year
Hospital Confinement$200/day (30 Day Limit)$100/day (365 Day Limit)$150/day (365 Day Limit)
ICU Admission$2,000 once/calendar year$2,000 once/calendar year$2,000 once/calendar year
ICU Confinement$400/day (30 Day Limit)$250/day (30 Day Limit)$400/day (30 Day Limit)
Pre-Existing Condition LimitationNoneNoneNone
Rate Guarantee3 Years2 Years2 Years
Rates
Employee Only$27.75$19.62$34.50
Employee + Child(ren)$59.27$33.83$59.51
Employee + Spouse$42.67$27.32$48.05
Family$77.36$41.06$72.22
Participation15% of eligible lives100% of eligible lives100% of eligible lives
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Voluntary Lump Sum Disability Plan

Class DescriptionAll eligible full-time employees1
Required Minimum Number of Hours Worked30 hours weekly
Elimination Period90 Days
Disability Criteria During Elimination PeriodRegular Occupation
Benefit Eligibility Period24 months following the elimination period
Disability Criteria During Benefit Eligibility PeriodAny Occupation
Lump Sum Disability Benefit AmountEmployee has options of                                  $25,000 or $50,000 Maximum $50,000
Guaranteed Issue Amount$50,000
Reduction Schedule: Coverage will reduce upon reaching certain ages as follows:
Employee Age when reduction occurs Percent of Lump Sum Benefit Amount remaining65707580
70%45%30%25%
Pre-Existing Condition Exclusion3/12
Employer Contribution Percentage0%
Participation RequirementGreater of 2 lives or 25% combined with Long-term Disability and/or Short-term Disability.  Minimum 2 enrolled lives for Lump Sum Disability.
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Group Whole Life Insurance Proposal

Proposed Effective Date: 4/1/2024

Employee Paid Coverage

ProductGroup Whole Life
Eligible classAll benefit eligible employees residing in the United States
Eligible lives164
Issue agesEmployees 18-75 years of age on certificate effective date
Face amountMinimum $10,000 in increments of $5,000 up to: Guaranteed Issue: Maximum* $100,000 Express Issue: Maximum $250,000 per enrollment** *The Guaranteed Issue maximum contains amounts from all certificates.
Available riders (Employer elected)  None
Accelerated Death Benefit ProvisionsTerminal Illness Chronic Illness
Dependent coverage***Spouse Certificates (issue ages 18-60): Express Issue Lifetime Maximum $25,000 Child/Grandchild Certificates (issue ages 14 days – 26 years): Guaranteed Issue Lifetime Maximum $25,000
Target participation20% Guaranteed Issue may not be available unless Target Participation is achieved.
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**Coverage is limited to a Lifetime Maximum of $1,000,000 and contains amounts from all certificates.

***Employee coverage cannot be less than $25,000 when Dependent Coverage is elected. If elected by the employer, employees must qualify for coverage in order for them to purchase employee dependent coverage options.

Interim Insurance For Whole Life

As added value to applicants, subject to the terms of the group policy, we will provide interim insurance from the day we receive the application in good order until the effective date of the certificate, not to exceed 90 days.

Notes

This Benefit Booklet
Presented by
Abby's Consulting Service LLC