EMPLOYEE BENEFIT HIGHLIGHTS - Hollywood, FL

 
EMPLOYEE BENEFIT HIGHLIGHTS - Hollywood, FL
2019 | EMPLOYEE BENEFIT HIGHLIGHTS
EMPLOYEE BENEFIT HIGHLIGHTS - Hollywood, FL
EMPLOYEE BENEFIT HIGHLIGHTS - Hollywood, FL
City of Hollywood | Employee Benefit Highlights | 2019

                                                    Table of Contents
                                                              Contact Information                                                                                                        1
                                                                    Introduction                                                                                                         2
                                                                         Online Benefit Enrollment                                                                                       2
                                                                             Group Insurance Eligibility                                                                                 3
                                                                                Qualifying Events and Section 125                                                                        4
                                                                                   Medical Insurance                                                                                     5
                                                                                             Summary of Benefits and Coverage                                                            5
                                                                                               Other Available Plan Resources                                                            5
                                                                                                Cigna OAP In-Network Plan At-A-Glance                                                    6
                                                                                                 Cigna OAP Plan At-A-Glance                                                              7
                                                                                          Health Reimbursement Account                                                                   8
                                                                                           Dental Insurance                                                                              9
                                                                                                   Cigna Dental PPO Low Plan At-A-Glance                                               10
                                                                                                   Cigna Dental PPO High Plan At-A-Glance                                              12
                                                                                           Vision Insurance                                                                            13
                                                                                                  VSP Vision Plan Option 1 At-A-Glance                                                 14
                                                                                                 VSP Vision Plan Option 2 At-A-Glance                                                  16
                                                                                                VSP Vision Plan Option 3 At-A-Glance                                                   18
                                                                                       Flexible Spending Account                                                                  19-20
                                                                                     Basic Life and AD&D Insurance                                                                     21
                                                                                   Voluntary Life and AD&D Insurance                                                                   21
                                                                                Long Term Disability                                                                                   22
                                                                             Employee Assistance Program                                                                               22
                                                                         Legal & Identity Theft Plans                                                                                  23
                                                                    Supplemental Insurance                                                                                             24
                                                              Notes                                                                                                                    24

This booklet is merely a summary of employee benefits. For a full description, refer to the plan document. Where conflict exists between this summary and the plan document, the plan document controls.
                     The City of Hollywood reserves the right to amend, modify or terminate the plan at any time. This booklet should not be construed as a guarantee of employment.

© 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Contact Information
                                           Tammie Hechler                               Phone: (954) 921-3218
       City of Hollywood
                                           Director of Human Resources                  Email: thechler@hollywoodfl.org

                                                                                        (888) 5-BenTek (523-6835)
       Online Benefit Enrollment           BenTek Support                               Email: support@mybentek.com
                                                                                        www.mybentek.com/hollywood

                                                                                        Customer Service: (800) 244-6224
       Medical Insurance                   Cigna
                                                                                        www.cigna.com

       Prescription Drug Coverage                                                       Customer Service: (800) 835-3784
                                           Cigna Home Delivery Pharmacy
       & Mail-Order Program                                                             www.cigna.com

                                                                                        Customer Service: (800) 688-2611
       Health Reimbursement Account        P&A Group
                                                                                        www.padmin.com

                                                                                        Customer Service: (800) 244-6224
       Dental Insurance                    Cigna
                                                                                        www.cigna.com

                                                                                        Customer Service: (800) 877-7195
       Vision Insurance                    VSP
                                                                                        www.vsp.com

                                                                                        Customer Service: (800) 688-2611
       Flexible Spending Accounts          P&A Group
                                                                                        www.padmin.com

                                                                                        Customer Service: (800) 796-3872
       Basic Life and AD&D Insurance       Symetra
                                                                                        www.symetra.com

                                                                                        Customer Service: (800) 796-3872
       Voluntary Life and AD&D Insurance   Symetra
                                                                                        www.symetra.com

                                                                                        Customer Service: (800) 796-3872
       Long Term Disability Insurance      Symetra
                                                                                        www.symetra.com

                                                                                        Customer Service: (800) 833-8707
       Employee Assistance Program         CCA
                                                                                        www.myccaonline.com

                                                                                        Customer Service: (800) 992-3522
       Supplemental Insurance              Aflac
                                                                                        www.aflac.com

                                                                                        Customer Service: (888) 577-3476
       Legal & Identity Protection Plans   Preferred Legal Plan
                                                                                        www.preferredlegal.com

1                                                                                                 © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

                                                                                  Online Benefit Enrollment
                                                                                  The City provides employees with an online benefits enrollment
                                                                                  platform through BenTek’s Employee Benefits Center (EBC). The EBC
                                                                                  provides benefit-eligible employees the ability to select or change
                                                                                  insurance benefits online during the annual Open Enrollment Period.

Introduction                                                                      Accessible 24 hours a day throughout the year, employee may log
                                                                                  in and review comprehensive information regarding benefit plans
The City of Hollywood provides group insurance benefits to eligible employees.    and view and print an outline of benefit elections for employee and
The Employee Benefit Highlights Booklet provides a general summary of the         dependent(s). Employee has access to important forms, carrier links,
benefit options as a convenient reference. Please refer to the City's policies,   and may review and make changes to life insurance beneficiary
applicable collective bargaining agreements and/or Certificates of Coverage       designations.
for detailed descriptions of all available employee benefit programs and
stipulations therein. If employee requires further explanation or needs
assistance regarding claims processing, please refer to the customer service
phone numbers under each benefit description heading or contact Human
Resources.

                                                                                   To Access the Employee Benefits Center:
                                                                                        99
                                                                                         Log on to www.mybentek.com/hollywood
                                                                                        99
                                                                                         Sign in using a previously created username and password or
                                                                                            click "Create an Account" to set up a username and password.
                                                                                        9   9
                                                                                            If employee has forgotten username and/or password, click
                                                                                            on the link “Forgot Username/Password” and follow the
                                                                                            instructions.
                                                                                        9   9
                                                                                            Once logged on, navigate to the menu in order to review
                                                                                            current elections, learn about benefit options, and make
                                                                                            elections, changes or beneficiary designations.

                                                                                  For technical issues directly related to using the EBC please
                                                                                  call (888) 5-BenTek (523-6835) or email BenTek Support at
                                                                                  support@mybentek.com, Monday through Friday, during regular
                                                                                  business hours, 8:30 a.m. to 5:00 p.m.

                                                                                            To access Employee Benefits Center online, log on to:
                                                                                                    www.mybentek.com/hollywood
                                                                                  Please Note: Link must be addressed exactly as written. Due to security reasons,
                                                                                  the website cannot be accessed by Google or other search engines.

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                     2
City of Hollywood | Employee Benefit Highlights | 2019

Group Insurance Eligibility
  JANUARY         The City of Hollywood's group insurance
                                                                                    Dependent Age Requirements (Continued)
      01          plan year is January 1 through December 31.
                                                                                    Dental Coverage: A dependent child may be covered through the end
                                                                                    of the month in which the child turns age 26.
Employee Eligibility                                                                Vision Coverage: A dependent child may be covered through the end
Employees are eligible to participate in the City of Hollywood's insurance          of the month in which the child turns age 26.
plans if they are full-time employees working a minimum of 30 hours per
week. Coverage will be effective the first day of the month following 30 days   Disabled Dependents
of employment. For example, if an employee is hired on April 11, then the
effective date of coverage will be June 1.                                      Coverage for an unmarried dependent child may be continued beyond age 26 if:
                                                                                  • The dependent is physically or mentally disabled and incapable of
Termination                                                                         self-sustaining employment (prior to age 26); and
If employee separates employment from the City of Hollywood, insurance            • Primarily dependent upon the employee for support; and
will continue through the end of month in which separation occurred. COBRA        • The dependent is otherwise eligible for coverage under the group
continuation of coverage may be available as applicable by law.                     medical plan; and
Dependent Eligibility                                                             • The dependent has been continuously insured; and
                                                                                  • Coverage with City began prior to age 26.
A dependent is defined as the legal spouse/domestic partner and/or
dependent child(ren) of the participant, spouse/domestic partner. The term      Proof of disability will be required upon request. Please contact Human
“child” includes any of the following:                                          Resources if further clarification is needed.

  • A natural child                                                             Taxable Dependents
  • A stepchild                                                                 Employee covering adult child(ren) under employee's medical insurance plan
  • A legally adopted child                                                     may continue to have the related coverage premiums payroll deducted on a
  • A newborn child (up to the age of 18 months old) of a covered               pre-tax basis through the end of the calendar year in which dependent child
    dependent (Florida)                                                         reaches age 26. Beginning January 1 of the calendar year in which dependent
  • A child for whom legal guardianship has been awarded to the                 child reaches age 27 through the end of the calendar year in which the
    participant or the participant’s spouse/domestic partner                    dependent child reaches age 30, imputed income must be reported on the
                                                                                employee’s W-2 for that entire tax year. Imputed income is the dollar value of
                                                                                insurance coverage attributable to covering the adult dependent child. Note:
      Dependent Age Requirements                                                There is no imputed income if adult dependent child is eligible to be claimed
                                                                                as a dependent for Federal income tax purposes on the employee’s tax return.
      Medical Coverage: A dependent child may be covered through                Contact Human Resources for further details if covering an adult dependent
      the end of the month in which the child turns age 26. An over-age         child who will turn age 27 any time during the upcoming calendar year or for
      dependent may continue to be covered on the medical plan to the           more information.
      end of the calendar year in which the child reaches age 30, if the
      dependent meets the following requirements:                               Domestic Partner
        •   Unmarried with no dependents; and                                   Domestic Partners may be eligible to participate in the City’s group insurance
        •   A Florida resident, or full-time or part-time student; and          plans and are required to complete a declaration of Domestic Partnership. The
        •   Otherwise uninsured; and                                            IRS guidelines state that an employee may not receive a tax advantage on any
        •   Not entitled to Medicare benefits under Title XVIII of the          portion of premium paid related to domestic partner coverage, unless specific
            Social Security Act, unless the child is disabled.                  IRS guidelines have been met. Employees insuring domestic partners and/or
                                                                                child dependent(s) of a domestic partner are required to pay imputed income
                                                                                tax on premium deductions and should consult their tax professional. Please
                                                                                contact Human Resources for more information.
 3                                                                                                                        © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Qualifying Events and Section 125
Section 125 of Internal Revenue Code
Premiums for medical, dental, vision insurance, contributions to Flexible
Spending Accounts (FSA), and/or certain supplemental policies are deducted          IMPORTANT NOTES
through a Cafeteria Plan established under Section 125 of the Internal Revenue
Code and are pre-taxed to the extent permitted. Under Section 125, changes to       If employee experiences a Qualifying Event, Human Resources must
an employee's pre-tax benefits can be made ONLY during the Open Enrollment          be contacted within 30 days of the Qualifying Event to make
period unless the employee or qualified dependent(s) experience(s) a                the appropriate changes to employee's coverage. Beyond 30 days,
Qualifying Event and the request to make a change is made within 30 days of         requests will be denied and employee may be responsible, both legally
the Qualifying Event.                                                               and financially, for any claim and/or expense incurred as a result of
Under certain circumstances, employee may be allowed to make changes to             employee or dependent who continues to be enrolled but no longer
benefit elections during the plan year, if the event affects the employee, spouse   meets eligibility requirements. If approved, changes will be effective
or dependent’s coverage eligibility. An “eligible” Qualifying Event is determined   the date of the Qualifying Event or the first of the month following the
by Section 125 of the Internal Revenue Code. Any requested changes must be          Qualifying Event. Newborns are effective on the date of birth. Marriage
consistent with and due to the Qualifying Event.                                    is effective on the date of occurrence. Cancellations will be processed at
                                                                                    the end of the month. In the event of death, coverage terminates the
Examples of Qualifying Events:                                                      date following the death. Employee may be required to furnish valid
                                                                                    documentation supporting a change in status or “Qualifying Event.”
   •   Employee gets married or divorced
   •   Birth of a child
   •   Employee gains legal custody or adopts a child
   •   Employee's spouse and/or other dependent(s) die(s)
   •   Employee, spouse or dependent(s) terminate or start employment
   •   An increase or decrease in employee's work hours causes eligibility
       or ineligibility
   •   A covered dependent no longer meets eligibility criteria for coverage
   •   A child gains or loses coverage with an ex-spouse
   •   Change of coverage under an employer’s plan
   •   Gain or loss of Medicare coverage
   •   Losing eligibility for coverage under a State Medicaid or CHIP
       (including Florida Kid Care) program (60 day notification period)

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                 4
City of Hollywood | Employee Benefit Highlights | 2019

Medical Insurance                                                                              Other Available Plan Resources
The City offers medical insurance through Cigna to benefit-eligible employees.                 Cigna offers all enrolled employees and dependents additional services and
For more detailed information about the medical plans, please refer to the                     discounts through value added programs. For more details regarding other
carrier's Summary of Benefits and Coverage (SBC) document or contact Cigna's                   available plan resources, contact Cigna’s customer service at (800) 244-6224,
customer service. Please refer to the separate rate sheet for Open Access                      or visit www.cigna.com.
Plan (OAP) and Open Access Plus In-Network Plan (OAPIN) costs for specific
employee or retiree classification.                                                            The myCigna Mobile App
                                                                                               The myCigna mobile app is an easy way to organize and access important
          Cigna | Customer Service: (800) 244-6224 | www.cigna.com                             health information. Anytime. Anywhere. Download it today from the App
                                                                                               StoreSM or Google Play™. With the myCigna mobile app, members can:
                                                                                                 • Find a doctor, dentist or health care facility
     Summary of Benefits and Coverage                                                            • Access maps for instant driving directions
     A Summary of Benefits & Coverage (SBC) for the Medical Plan is provided as a                • View ID cards for the entire family
     supplement to this booklet being distributed to new hires and existing employees            • Review deductibles, account balances and claims
     during Open Enrollment. The summary is an important item in understanding
     employee's benefit options. A free paper copy of the SBC document may be requested
                                                                                                 • Compare prescription drug costs
     or is available as follows:                                                                 • Speed-dial Cigna Home Delivery Pharmacy™
                                                                                                 • Store and organize all important contact info for doctors, hospitals,
        From:                Human Resources                                                       and pharmacies
        Address:             2600 Hollywood Blvd., Ste. 206                                      • Add health care professionals to contact list right from a claim or
                             Hollywood, FL 33022                                                   directory search
        Phone:               (954) 921-3218                                                      • And, much more!
        At Website URL: www.mybentek.com/hollywood
                                                                                               Telehealth
     The SBC is only a summary of the plan’s coverage. A copy of the plan document, policy,    Cigna provides access to two telehealth services as part of the medical plan,
     or certificate of coverage should be consulted to determine the governing contractual     AmWell and MDLIVE. AmWell and MDLIVE are convenient phone and video
     provisions of the coverage. A copy of the group certificate of coverage can be reviewed   consultation companies that provide immediate medical assistance for many
     and obtained by contacting Human Resources.
                                                                                               conditions.
     If there are any questions about the plan offerings or coverage options, please contact
     Human Resources at (954) 921-3218.                                                        This benefit is provided to all enrolled members subject to an applicable
                                                                                               copay. This program allows members, 24 hours a day, seven (7) days a week,
                                                                                               on-demand access to affordable medical care via phone and online video
                                                                                               consultations when needing immediate care for non-emergency medical
                                                                                               issues. Telehealth should be considered when employee's primary care doctor is
                                                                                               unavailable, after-hours or on holidays for non-emergency needs. Many urgent
                                                                                               care ailments can be treated with telehealth services, such as:
                                                                                                      Sore Throat
                                                                                                     99                                       Allergies
                                                                                                                                             99
                                                                                                      Headache
                                                                                                     99                                       Rash
                                                                                                                                             99
                                                                                                      Stomachache
                                                                                                     99                                       Acne
                                                                                                                                             99
                                                                                                      Fever
                                                                                                     99                                       UTIs And More
                                                                                                                                             99
                                                                                                      Cold and Flu
                                                                                                     99
                                                                                               Telehealth doctors do not replace employee's primary care physician but
                                                                                               may be a convenient alternative for urgent care and ER visits. For further
                                                                                               information please contact Human Resources or contact Cigna.

                                                                                                                                 Cigna
                                                                                                 AmWell | Customer Service: (855) 667-9722 | www.AmWellforCigna.com
                                                                                                 MDLIVE | Customer Service: (888) 726-3171 | www.MDLIVEforCigna.com
 5                                                                                                                                       © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Cigna OAP In-Network Plan At-A-Glance
 Network                                                                  Open Access Plus
 Calendar Year Deductible (CYD)                                              In-Network
 Single                                                                           $500
 Family                                                                          $1,500

 Coinsurance
                                                                                                                    Locate a Provider
 Member Responsibility                                                            20%
                                                                                                                    To search for a participating provider,
 Calendar Year Out-of-Pocket Limit                                                                                  contact Cigna's customer service or visit
                                                                                                                    www.cigna.com. When completing the
 Single                                                                          $3,000                             necessary search criteria, select Open
 Family                                                                          $9,000                             Access Plus network.
 What Applies to the Out-of-Pocket Limit?                  Deductible, Coinsurance and Copays (Excludes Rx)

 Physician Services
 Primary Care Physician (PCP) Office Visit                                      $30 Copay
 Specialist Office Visit (No Referral Required)                                 $40 Copay
 Telehealth                                                                     $15 Copay                           Plan References
                                                                                                                    *Quest Diagnostics and LabCorp are the
 Non-Hospital Services; Freestanding Facility                                                                       preferred labs for blood work through
 Clinical Lab (Blood Work)*                                                     No Charge                           Cigna. When using a lab other than
 X-rays                                                                         $50 Copay                           Quest or LabCorp, please confirm they
                                                                                                                    are contracted with Cigna’s Open Access
 Advanced Imaging (MRI, PET, CT) – Per Scan                                     $50 Copay                           Plus network prior to receiving services.
 Outpatient Surgery in Surgical Center (Per Visit)                             $250 Copay
 Physician Services at Surgical Center                                          No Charge
 Urgent Care (Per Visit)                                                        $75 Copay

 Hospital Services
 Inpatient Hospital (Per Admission)                                            $500 Copay                           Important Notes
 Outpatient Hospital (Per Visit)                                               $250 Copay                           • There is a separate $50 per person
 Inpatient Physician Services at Hospital                                   $40 Copay + 20%                           calendar year deductible to be met
                                                                                                                      before Rx benefits begin.
 Outpatient Physician Services                                                  No Charge
                                                                                                                    • There is a separate $1,500/$4,500
 Emergency Room (Per Visit; Waived if Admitted)                                $200 Copay
                                                                                                                      per calendar year, pharmacy out of
                                                                                                                      pocket limit, that does not accumulate
 Mental Health/Alcohol & Substance Abuse
                                                                                                                      towards the Medical Calendar Year Out
 Inpatient Hospitalization (Per Admission)                                     $500 Copay                             of Pocket Limit.
 Outpatient Services (Per Visit)                                                No Charge                           • Services received by providers and
 Outpatient Office Visit                                                        $40 Copay                             facilities not in the Open Access Plus
                                                                                                                      network, will not be covered.
 Prescription Drugs (Rx)
 Calendar Year Deductible for Rx Costs                                    $50 Per Covered Person
 Calendar Year Out of Pocket Limit for Rx Costs          Single: $1,500                            Family: $4,500
 Generic                                                                    20% After Rx CYD
 Preferred Brand Name                                                       20% After Rx CYD
 Non-Preferred Brand Name                                                   20% After Rx CYD
 Mail Order Drug (90-Day Supply)                                 $25 / $75 / $150 Copay After Rx CYD

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                               6
City of Hollywood | Employee Benefit Highlights | 2019

                                             Cigna OAP Plan At-A-Glance
                                             Network                                                                            Open Access Plus
                                             Calendar Year Deductible (CYD)                                  In-Network                             Out-of-Network*
                                             Single                                                               None                                         $500
                                             Family                                                               None                                       $1,000

                                             Coinsurance
           Locate a Provider                 Member Responsibility                                                    0%                                       40%
  To search for a participating provider,
contact Cigna's customer service or visit    Calendar Year Out-of-Pocket Limit
www.cigna.com. When completing the           Single                                                               $1,500                                     $3,000
  necessary search criteria, select Open
                   Access Plus network.      Family                                                               $3,000                                     $6,000
                                             What Applies to the Out-of-Pocket Limit?                           Deductible, Coinsurance and Copays (Excludes Rx)

                                             Physician Services
                                             Primary Care Physician (PCP) Office Visit                          $40 Copay                                40% After CYD
                                             Specialist Office Visit (No Referral Required)                     $40 Copay                                40% After CYD
                                             Telehealth                                                         $10 Copay                                 Not Covered
              Plan References
*Out-of-Network Balance Billing: For         Non-Hospital Services; Freestanding Facility
  information regarding out-of-network
                                             Clinical Lab (Blood Work)**                                        No Charge                                40% After CYD
  balance billing that may be charged by
out-of-network providers, please refer to    X-rays                                                             $50 Copay                                40% After CYD
  the Summary of Benefits and Coverage       Advanced Imaging (MRI, PET, CT) – Per Scan                         $50 Copay                                40% After CYD
                        (SBC) document.
                                             Outpatient Surgery in Surgical Center                              $50 Copay                                40% After CYD
**Quest Diagnostics and LabCorp are the      Physician Services at Surgical Center                              $40 Copay                                  $40 Copay
   preferred labs for blood work through     Urgent Care (Per Visit)                                            $40 Copay                                40% After CYD
     Cigna. When using a lab other than
   Quest or LabCorp, please confirm they     Hospital Services
 are contracted with Cigna’s Open Access
                                             Inpatient Hospital (Per Admission)                                $250 Copay                       $750 Per Admission Deductible
 Plus network prior to receiving services.
                                             Outpatient Hospital                                               $100 Copay                       $300 Per Admission Deductible
                                             Inpatient Physician Services at Hospital                           No Charge                                  No Charge
                                             Outpatient Physician Services                                      $40 Copay                                  $40 Copay
                                             Emergency Room (Per Visit; Waived if Admitted)                     $50 Copay                                  $50 Copay

                                             Mental Health/Alcohol & Substance Abuse
            Important Notes
     • There is a separate $50 per person    Inpatient Hospitalization (Per Admission)                         $250 Copay                       $750 Per Admission Deductible
      calendar year deductible to be met     Outpatient Services (Per Visit)                                    No Charge                                  No Charge
                 before Rx benefits begin.   Outpatient Office Visit                                            No Charge                                40% After CYD
   • There is a separate $1,000 / $3,000
     per calendar year, pharmacy out of      Prescription Drugs (Rx)
 pocket limit for in-network and out-of-     Calendar Year Deductible for Rx Costs                                              $50 Per Covered Person
  network Rx costs combined, that does
                                             Calendar Year Out of Pocket Limit for Rx Costs          Single: $1,000        Family: $3,000     Single: $1,000          Family: $3,000
    not accumulate towards the Medical
      Calendar Year Out of Pocket Limit.     Generic                                                        20% After Rx CYD                           50% After Rx CYD
                                             Preferred Brand Name                                           20% After Rx CYD                           50% After Rx CYD
                                             Non-Preferred Brand Name                                       20% After Rx CYD                           50% After Rx CYD
                                             Mail Order Drug (90 Day Supply)                        $20 / $50 / $80 Copay After Rx CYD                    Not Covered

7                                                                                                                                      © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Health Reimbursement Account
The City provides employees who participate in one of the City's medical plans, a Health Reimbursement Account (HRA) through P&A Group. HRA monies are funded by
the City and can be used for any qualified medical, dental or vision expense such as copayments, deductibles and coinsurance for physician services, hospital services and
prescription drugs, etc. The HRA monies provide tax-free funds to cover those expenses incurred under the medical, dental and vision plan(s).

HRA Funding Allotment                                                                     What happens to unused HRA funds at the end of the plan
HRA Funding for 2019 is as follows:                                                       year?
  • $300 for employee only.                                                               Any remaining balance on the HRA at the end of the calendar year will
  • $400 for employees with one (1) dependent.                                            automatically roll back to the Plan.
  • $700 for employees with two (2) or more dependents.
                                                                                          What happens to unused HRA funds if employee
Retain Receipts                                                                           discontinues participation in the HRA plan, separates
During the year, employee should keep all receipts and documentation for                  employment, or retires from the City?
prescriptions and medical, dental or vision related expenses if needed to verify          Any remaining balance on the HRA at the end of the calendar year will
a claim for P&A or for IRS taxes. If asked to produce documentation, a valid              automatically roll back to the Plan.
Explanation of Benefits (EOB) and receipt of payment for the services rendered
will be sufficient.
                                                                                                                   Claims Mailing Address
How to check HRA balance                                                                            P&A Group | 17 Court Street, Suite 500 | Buffalo, NY 14042
Employee can check available balance, activity and account history anytime
online at www.padmin.com or contact customer service at (800) 688-2611.                                  P&A Group | Customer Service: (800) 688-2611
                                                                                                           Fax: (877) 855-7105 | www.padmin.com
Expenses Eligible for Reimbursement
Employee may request reimbursement of expenses for employee or covered                         All claims must be filed within 90 days after the plan year
dependent(s). Eligible expenses must be necessary for the diagnosis, treatment,                (December 31, 2019), or 30 days from the date employee
cure, mitigation or prevention of a specific medical, dental or vision condition.                becomes ineligible to file for expenses incurred while
Cosmetic expenses are not eligible for reimbursement. Reimbursement checks                                 participating during the plan year.
will be issued to the employee throughout the year for incurred expenses up to
the maximum annual benefit amount. Employee also has the option of having
reimbursements deposited directly to their checking account.

How to File a Claim
Debit Card
Each employee will be provided with a Debit Card to use for payment of out-of-
pocket medical, dental or vision care expenses. This may prevent the employee
from having to pay an expense first and then seek reimbursement. However,
employee may be required to submit documentation of any expenses that do
not match a copay associated with a specific service under the medical, dental
or vision plans.

Paper Claim
Employee may submit claim forms to P&A and must include a copy of carrier's
Explanation of Benefits or receipts for eligible medical, dental, and vision care
services received. Claim forms can be submitted online at P&A's website, or via
fax to (877) 855-7105, which is indicated on the claims form.

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                      8
City of Hollywood | Employee Benefit Highlights | 2019

Dental Insurance
Cigna Dental PPO Low Plan
The City offers dental insurance through Cigna to benefit-eligible employees.           Out-of-Network Benefits
For more detailed information about the dental plans, please refer to the
                                                                                        Out-of-network benefits are used when members receive services by a non-
carrier's summary plan document or contact Cigna's customer service. Please
                                                                                        participating Cigna Total DPPO provider. Cigna reimburses out-of-network
refer to the separate rate sheet for Cigna's Dental PPO Low and High Plan costs
                                                                                        services based on what it determines is the Maximum Reimbursable Charge
for specific employee classification.
                                                                                        (MRC). The MRC is defined as the most common charge for a particular dental
In-Network Benefits                                                                     procedure performed in a specific geographic area. If services are received from
                                                                                        an out-of-network dentist, the member may be responsible for balance billing.
The Dental PPO Low plan provides benefits for services received from in-                Balance billing is the difference between Cigna's MRC and the amount charged
network and out-of-network providers. It is also an open-access plan which              by the out-of-network dental provider. Balance billing is in addition to any
allows for services to be received from any dental provider without having              applicable plan deductible or coinsurance responsibility.
to select a Primary Dental Provider (PDP) or obtain a referral to a specialist.
The network of participating dental providers the plan utilizes is the Cigna            Calendar Year Deductible
Total DPPO network. These participating dental providers have contractually
                                                                                        The Dental PPO Low plan requires a $25 individual or a $75 family deductible
agreed to accept Cigna’s contracted fee or “allowed amount.” This fee is the
                                                                                        to be met for in-network or out-of-network services before most benefits will
maximum amount a Cigna dental provider can charge a member for a service.
                                                                                        begin. The deductible is waived for preventive services.
The member is responsible for a Calendar Year Deductible (CYD) and then
coinsurance based on the plan’s charge limitations.                                     Calendar Year Benefit Maximum
Please Note: Total DPPO dental members have the option to utilize a dentist that        The maximum benefit the Dental PPO Low plan will pay for each covered
participates in either Cigna’s Advantage network or DPPO network. However, members      member is $1,000 for in-network and out-of-network services combined. All
that use the Cigna Advantage network will see additional cost savings from the added    services, including preventive, accumulate towards the benefit maximum.
discount that is allowed using an Advantage network provider. Members are responsible
                                                                                        Once the plan's benefit maximum is met, the member will be responsible for
for verifying whether the treating dentist is an Advantage Dentist or a DPPO Dentist.
                                                                                        future charges until next calendar year.

                                                                                                Cigna | Customer Service: (800) 244-6224 | www.cigna.com

 9                                                                                                                                 © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Cigna Dental PPO Low Plan At-A-Glance
 Network                                                                          Cigna Total DPPO
 Calendar Year Deductible (CYD)                                  In-Network and Out-of-Network Combined
 Per Member                                                                                $25
 Per Family                                                                                $75

 Calendar Year Benefit Maximum
                                                                                                                                  Locate a Provider
 Per Member (Includes Class I Services)                                                   $1,000
                                                                                                                                  To search for a participating provider,
 Class I Services: Diagnostic & Preventive Care                    In-Network                      Out-of-Network*                contact Cigna's customer service or visit
                                                                                                                                  www.cigna.com. When completing the
 Routine Oral Exam (2 Per Calendar Year)                                                                                          necessary search criteria, select Cigna
 Routine Cleanings (2 Per Calendar Year)                                                               Plan Pays: 80%             Dental PPO or EPO network.
                                                                   Plan Pays: 100%
                                                                                                      Deductible Waived
 Bitewing X-rays (2 Per Calendar Year)                            Deductible Waived
                                                                                                   (Subject to Balance Billing)
 Complete X-rays (1 Set Every 36 Consecutive Months)

 Class II Services: Basic Restorative Care
 Fillings
 Simple Extractions
                                                                                                                                  Plan References
                                                                                                                                  *Out-of-Network Balance Billing: For
 Endodontics (Root Canal Therapy)                                                                  Plan Pays: 70% After CYD
                                                               Plan Pays: 80% After CYD                                           information regarding out-of-network
 Periodontics                                                                                      (Subject to Balance Billing)   balance billing that may be charged by
                                                                                                                                  out-of-network providers, please refer to
 General Anesthesia/Intravenous Sedation (Limitations Apply)
                                                                                                                                  the Out-of-Network Benefits section on
 Oral Surgery                                                                                                                     the previous page.

 Class III Services: Major Restorative Care
 Crowns
                                                                                                   Plan Pays: 50% After CYD
 Dentures                                                      Plan Pays: 50% After CYD
                                                                                                   (Subject to Balance Billing)
 Bridges
                                                                                                                                  Important Notes
 Class IV Services: Orthodontia                                                                                                   • Each covered family member may
 Lifetime Maximum                                                                         $1,000                                    receive two (2) routine cleanings
                                                                                                                                    per calendar year covered under the
                                                                                                   Plan Pays: 50% After CYD         preventive benefit.
 Benefit (Child(ren) Up To Age 19)                             Plan Pays: 50% After CYD
                                                                                                   (Subject to Balance Billing)
                                                                                                                                  • For any dental work expected to cost
                                                                                                                                    $200 or more, the plan will provide a
                                                                                                                                    "Predetermination of Benefits" upon
                                                                                                                                    the request of the dental provider.
                                                                                                                                    This will assist with determining
                                                                                                                                    approximate out-of-pocket costs
                                                                                                                                    should employee have the dental work
                                                                                                                                    performed.
                                                                                                                                  • Late entrant provisions, age limitations
                                                                                                                                    and waiting periods may apply.
                                                                                                                                  • Benefit frequency limitations may
                                                                                                                                    apply to certain services.

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                        10
City of Hollywood | Employee Benefit Highlights | 2019

Dental Insurance
Cigna Dental PPO High Plan
The City offers dental insurance through Cigna to benefit-eligible employees.           Out-of-Network Benefits
For more detailed information about the dental plans, please refer to the
                                                                                        Out-of-network benefits are used when members receive services by a non-
carrier's summary plan document or contact Cigna's customer service. Please
                                                                                        participating Cigna Total DPPO provider. Cigna reimburses out-of-network
refer to the separate rate sheet for Cigna's Dental PPO Low and High Plan costs
                                                                                        services based on what it determines is the Maximum Reimbursable Charge
for your specific employee classification.
                                                                                        (MRC). The MRC is defined as the most common charge for a particular dental
In-Network Benefits                                                                     procedure performed in a specific geographic area. If services are received from
                                                                                        an out-of-network dentist, the member may be responsible for balance billing.
The Dental PPO High plan provides benefits for services received from in-               Balance billing is the difference between Cigna's MRC and the amount charged
network and out-of-network providers. It is also an open-access plan which              by the out-of-network dental provider. Balance billing is in addition to any
allows for services to be received from any dental provider without having              applicable plan deductible or coinsurance responsibility.
to select a Primary Dental Provider (PDP) or obtain a referral to a specialist.
The network of participating dental providers the plan utilizes is the Cigna            Calendar Year Deductible
Total DPPO network. These participating dental providers have contractually
agreed to accept Cigna’s contracted fee or “allowed amount.” This fee is the            The Dental PPO High plan requires a $25 individual or a $75 family deductible
maximum amount a Cigna dental provider can charge a member for a service.               to be met for in-network or out-of-network services before most benefits will
The member is responsible for a Calendar Year Deductible (CYD) and then                 begin. The deductible is waived for preventive services.
coinsurance based on the plan’s charge limitations.
                                                                                        Calendar Year Benefit Maximum
Please Note: Total DPPO dental members have the option to utilize a dentist that        The maximum benefit the Dental PPO High plan will pay for each covered
participates in either Cigna’s Advantage network or DPPO network. However, members      member is $2,000 for in-network and out-of-network services combined. All
that use the Cigna Advantage network will see additional cost savings from the added
                                                                                        services, including preventive, accumulate towards the benefit maximum.
discount that is allowed using an Advantage network provider. Members are responsible
for verifying whether the treating dentist is an Advantage Dentist or a DPPO Dentist.
                                                                                        Once the plan's benefit maximum is met, the member will be responsible for
                                                                                        future charges until next calendar year.

                                                                                                Cigna | Customer Service: (800) 244-6224 | www.cigna.com

11                                                                                                                                 © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Cigna Dental PPO High Plan At-A-Glance
 Network                                                                          Cigna Total DPPO
 Calendar Year Deductible (CYD)                                  In-Network and Out-of-Network Combined
 Per Member                                                                                $25
 Per Family                                                                                $75

 Calendar Year Benefit Maximum
                                                                                                                                  Locate a Provider
 Per Member (Includes Class I Services)                                                   $2,000
                                                                                                                                  To search for a participating provider,
 Class I Services: Diagnostic & Preventive Care                    In-Network                      Out-of-Network*                contact Cigna's customer service or visit
                                                                                                                                  www.cigna.com. When completing the
 Routine Oral Exam (2 Per Calendar Year)                                                                                          necessary search criteria, select Cigna
 Routine Cleanings (2 Per Calendar Year)                                                               Plan Pays: 80%             Dental PPO or EPO network.
                                                                   Plan Pays: 100%
                                                                                                      Deductible Waived
 Bitewing X-rays (2 Per Calendar Year)                            Deductible Waived
                                                                                                   (Subject to Balance Billing)
 Complete X-rays (1 Set Every 36 Consecutive Months)

 Class II Services: Basic Restorative Care
 Fillings
 Simple Extractions
                                                                                                                                  Plan References
                                                                                                                                  *Out-of-Network Balance Billing: For
 Endodontics (Root Canal Therapy)                                                                  Plan Pays: 70% After CYD
                                                               Plan Pays: 80% After CYD                                           information regarding out-of-network
 Periodontics                                                                                      (Subject to Balance Billing)   balance billing that may be charged by
                                                                                                                                  out-of-network providers, please refer to
 General Anesthesia/Intravenous Sedation (Limitations Apply)
                                                                                                                                  the Out-of-Network Benefits section on
 Oral Surgery                                                                                                                     the previous page.

 Class III Services: Major Restorative Care
 Crowns
                                                                                                   Plan Pays: 50% After CYD
 Dentures                                                      Plan Pays: 50% After CYD
                                                                                                   (Subject to Balance Billing)
 Bridges
                                                                                                                                  Important Notes
 Class IV Services: Orthodontia                                                                                                   • Each covered family member may
 Lifetime Maximum                                                                         $2,000                                    receive two (2) routine cleanings
                                                                                                                                    per calendar year covered under the
                                                                                                   Plan Pays: 50% After CYD         preventive benefit.
 Benefit (Child(ren) Up To Age 19)                             Plan Pays: 50% After CYD
                                                                                                   (Subject to Balance Billing)
                                                                                                                                  • For any dental work expected to cost
                                                                                                                                    $200 or more, the plan will provide a
                                                                                                                                    "Predetermination of Benefits" upon
                                                                                                                                    the request of the dental provider.
                                                                                                                                    This will assist with determining
                                                                                                                                    approximate out-of-pocket costs
                                                                                                                                    should employee have the dental work
                                                                                                                                    performed.
                                                                                                                                  • Late entrant provisions, age limitations
                                                                                                                                    and waiting periods may apply.
                                                                                                                                  • Benefit frequency limitations may
                                                                                                                                    apply to certain services.

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                        12
City of Hollywood | Employee Benefit Highlights | 2019

Vision Insurance
VSP Vision Plan Option 1
The City offers vision insurance through Vision Service Plan (VSP) to benefit-   Out-of-Network Benefits
eligible employees. The costs per pay period for coverage are listed in the
                                                                                 Employee and covered dependent(s) may choose to receive services from vision
premium table below and a brief summary of benefits is provided on the
                                                                                 providers who do not participate in the VSP Choice network. When going out
following page. For more detailed information about the vision plan, please
                                                                                 of network, the provider will require payment at the time of appointment.
refer to the carrier's summary plan document or contact VSP’s customer
                                                                                 VSP will then reimburse based on the plan’s out-of-network reimbursement
service.
                                                                                 schedule upon receipt of proof of services rendered.

          Vision Insurance – VSP Vision Plan Option 1                            Calendar Year Deductible
                   26 Payroll Deductions - Per Pay Period Cost                   There is no calendar year deductible.
  Tier of Coverage                                     Employee Cost
                                                                                 Calendar Year Out-of-Pocket Maximum
  Employee Only                                              $2.81
                                                                                 There is no out-of-pocket maximum. However, there are benefit reimbursement
  Employee + 1 Dependent                                     $5.61               maximums for certain services.
  Employee + 2 or More Dependents                            $9.03
                                                                                           VSP | Customer Service: (800) 877-7195 | www.vsp.com
In-Network Benefits
The vision plan offers employee and covered dependent(s) coverage for routine
eye care, including eye exams, eyeglasses (lenses and frames) or contact
lenses. To schedule an appointment, employee and covered dependent(s) may
select any network provider who participates in the VSP Choice network. At
the time of service, routine vision examinations and basic optical needs will
be covered as shown on the plan’s schedule of benefits. Cosmetic services and
upgrades are additional costs if chosen at the time of the appointment.

13                                                                                                                        © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

VSP Vision Plan Option 1 At-A-Glance
 Network                                                                              VSP Choice
 Services                                                          In-Network                           Out-of-Network
 Eye Exam                                                             $10 Copay                       Up to $45 Reimbursement
                                                                                                      Reimbursement Based on     Locate a Provider
 Materials                                                            $25 Copay
                                                                                                          Type of Service
                                                                                                                                 To search for a participating provider,
 Frequency of Services                                                                                                           contact VSP's customer service or visit
                                                                                                                                 www.vsp.com. When completing the
 Examination                                                                              12 Months                              necessary search criteria, select VSP
                                                                                                                                 Choice network.
 Lenses                                                                                   12 Months
 Frames                                                                                   24 Months

 Contact Lenses                                                                           12 Months

 Lenses
 Single                                                                                               Up to $30 Reimbursement    Plan References
                                                                  Covered at 100%                                                *Contact lenses are in lieu of spectacle
 Bifocal                                                                                              Up to $50 Reimbursement
                                                              After $25 Materials Copay                                          lenses.
 Trifocal                                                                                             Up to $65 Reimbursement

 Frames
                                                           $100 Allowance on Any Frame or
                                                     $120 if Part of the "Collection" Frame Options
 Allowance                                                                                            Up to $70 Reimbursement
                                                   20% Discount on Any Amount Over the Allowance
                                                               After $25 Materials Copay                                         Important Notes
                                                                                                                                 Member options, such as LASIK, UV
 Contact Lenses*                                                                                                                 coating, progressive lenses, etc. are not
 Non-Elective (Medically Necessary)                               Covered at 100%                     Up to $210 Reimbursement   covered in full, but may be available at
                                                                                                                                 a discount.
                                                     $100 Allowance with a $60 Maximum Copay
 Elective (Fitting, Follow-up & Lenses)                                                               Up to $105 Reimbursement
                                                             for the Contact Lense Exam

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                        14
City of Hollywood | Employee Benefit Highlights | 2019

Vision Insurance
VSP Vision Plan Option 2
The City offers vision insurance through Vision Service Plan (VSP) to benefit-   Out-of-Network Benefits
eligible employees. The costs per pay period for coverage are listed in the
                                                                                 Employees and covered dependent(s) may choose to receive services from
premium table below and a brief summary of benefits is provided on the
                                                                                 vision providers who do not participate in the VSP Choice network. When going
following page. For more detailed information about the vision plan, please
                                                                                 out of network, the provider will require payment at the time of appointment.
refer to the carrier's summary plan document or contact VSP’s customer
                                                                                 VSP will then reimburse based on the plan’s out-of-network reimbursement
service.
                                                                                 schedule upon receipt of proof of services rendered.

          Vision Insurance – VSP Vision Plan Option 2                            Calendar Year Deductible
                   26 Payroll Deductions - Per Pay Period Cost                   There is no calendar year deductible.
  Tier of Coverage                                     Employee Cost
                                                                                 Calendar Year Out-of-Pocket Maximum
  Employee Only                                              $4.59
                                                                                 There is no out-of-pocket maximum. However, there are benefit reimbursement
  Employee + 1 Dependent                                     $9.17               maximums for certain services.
  Employee + 2 or More Dependents                            $14.76
                                                                                           VSP | Customer Service: (800) 877-7195 | www.vsp.com
In-Network Benefits
The vision plan offers employee and covered dependent(s) coverage for routine
eye care, including eye exams, eyeglasses (lenses and frames) or contact
lenses. To schedule an appointment, employee and covered dependent(s) may
select any network provider who participates in the VSP Choice network. At
the time of service, routine vision examinations and basic optical needs will
be covered as shown on the plan’s schedule of benefits. Cosmetic services and
upgrades are additional costs if chosen at the time of the appointment.

15                                                                                                                        © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

VSP Vision Plan Option 2 At-A-Glance
 Network                                                                                  VSP Choice
 Services                                                             In-Network                               Out-of-Network
 Eye Exam                                                                $10 Copay                           Up to $45 Reimbursement
                                                                                                             Reimbursement Based on     Locate a Provider
 Materials                                                               $20 Copay
                                                                                                                 Type of Service
                                                                                                                                        To search for a participating provider,
 Frequency of Services                                                                                                                  contact VSP's customer service or visit
                                                                                                                                        www.vsp.com. When completing the
 Examination                                                                                 12 Months                                  necessary search criteria, select VSP
                                                                                                                                        Choice network.
 Lenses                                                                                      12 Months
 Frames                                                                                      24 Months

 Contact Lenses                                                                              12 Months

 Lenses
 Single                                                                                                      Up to $30 Reimbursement    Plan References
                                                                     Covered at 100%                                                    *Contact lenses are in lieu of spectacle
 Bifocal                                                                                                     Up to $50 Reimbursement
                                                                 After $20 Materials Copay                                              lenses.
 Trifocal                                                                                                    Up to $65 Reimbursement

 Frames
                                                             $130 Allowance on Any Frame, or
                                                   $150 Allowance if Part of the “Collection” Frame Option
 Allowance                                                                                                   Up to $70 Reimbursement
                                                     20% Discount for Any Amount Over the Allowance
                                                                After $20 Materials Copay                                               Important Notes
                                                                                                                                        Member options, such as LASIK, UV
 Contact Lenses*                                                                                                                        coating, progressive lenses, etc. are not
 Non-Elective (Medically Necessary)                                   Covered at 100%                        Up to $210 Reimbursement   covered in full, but may be available at
                                                                                                                                        a discount.
                                                        $130 Allowance with a $20 Maximum Copay
 Elective (Fitting, Follow-up & Lenses)                                                                      Up to $105 Reimbursement
                                                                 for the Contact Lense Exam

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                               16
City of Hollywood | Employee Benefit Highlights | 2019

Vision Insurance
VSP Vision Plan Option 3
The City offers vision insurance through Vision Service Plan (VSP) to benefit-   Out-of-Network Benefits
eligible employees. The costs per pay period for coverage are listed in the
                                                                                 Employee and covered dependent(s) may choose to receive services from vision
premium table below and a brief summary of benefits is provided on the
                                                                                 providers who do not participate in the VSP Choice network. When going out
following page. For more detailed information about the vision plan, please
                                                                                 of network, the provider will require payment at the time of appointment.
refer to the carrier's summary plan document or contact VSP’s customer
                                                                                 VSP will then reimburse based on the plan’s out-of-network reimbursement
service.
                                                                                 schedule upon receipt of proof of services rendered.

          Vision Insurance – VSP Vision Plan Option 3                            Calendar Year Deductible
                   26 Payroll Deductions - Per Pay Period Cost                   There is no calendar year deductible.
  Tier of Coverage                                     Employee Cost
                                                                                 Calendar Year Out-of-Pocket Maximum
  Employee Only                                              $5.27
                                                                                 There is no out-of-pocket maximum. However, there are benefit reimbursement
  Employee + 1 Dependent                                     $10.53              maximums for certain services.
  Employee + 2 or More Dependents                            $16.95
                                                                                           VSP | Customer Service: (800) 877-7195 | www.vsp.com
In-Network Benefits
The vision plan offers employee and covered dependent(s) coverage for routine
eye care, including eye exams, eyeglasses (lenses and frames) or contact
lenses. To schedule an appointment, employee and covered dependent(s) may
select any network provider who participates in the VSP Choice network. At
the time of service, routine vision examinations and basic optical needs will
be covered as shown on the plan’s schedule of benefits. Cosmetic services and
upgrades are additional costs if chosen at the time of the appointment.

17                                                                                                                        © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

VSP Vision Plan Option 3 At-A-Glance
 Network                                                                                  VSP Choice
 Services                                                             In-Network                               Out-of-Network
 Eye Exam                                                                $10 Copay                           Up to $45 Reimbursement
                                                                                                             Reimbursement Based on     Locate a Provider
 Materials                                                               $10 Copay
                                                                                                                 Type of Service
                                                                                                                                        To search for a participating provider,
 Frequency of Services                                                                                                                  contact VSP's customer service or visit
                                                                                                                                        www.vsp.com. When completing the
 Examination                                                                                 12 Months                                  necessary search criteria, select VSP
                                                                                                                                        Choice network.
 Lenses                                                                                      12 Months
 Frames                                                                                      24 Months

 Contact Lenses                                                                              12 Months

 Lenses
 Single                                                                                                      Up to $30 Reimbursement    Plan References
                                                                     Covered at 100%                                                    *Contact lenses are in lieu of spectacle
 Bifocal                                                                                                     Up to $50 Reimbursement
                                                                 After $10 Materials Copay                                              lenses.
 Trifocal                                                                                                    Up to $65 Reimbursement

 Frames
                                                             $150 Allowance on Any Frame or
                                                   $170 Allowance if Part of the "Collection" Frame Option
 Allowance                                                                                                   Up to $70 Reimbursement
                                                     20% Discount for Any Amount Over the Allowance
                                                                After $10 Materials Copay                                               Important Notes
                                                                                                                                        Member options, such as LASIK, UV
 Contact Lenses*                                                                                                                        coating, progressive lenses, etc. are not
 Non-Elective (Medically Necessary)                                   Covered at 100%                        Up to $210 Reimbursement   covered in full, but may be available at
                                                                                                                                        a discount.
                                                        $150 Allowance with a $10 Maximum Copay
 Elective (Fitting, Follow-up & Lenses)                                                                      Up to $105 Reimbursement
                                                                for the Contact Lense Exam

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                               18
City of Hollywood | Employee Benefit Highlights | 2019

Flexible Spending Account
The City offers Flexible Spending Accounts (FSA) administered through P&A Group. The FSA plan year is from January 1 to December 31.
If employee or family member(s) has predictable health care or work-related day care expenses, then employee may benefit from participating in an FSA. An FSA allows
employee to set aside money from employee's paycheck for reimbursement of health care and day care expenses that they regularly pay. The amount set aside is not
taxed and is automatically deducted from employee’s paycheck and deposited into the FSA. During the year, employee has access to this account for reimbursement
of some expenses not covered by insurance. Participation in an FSA allows for substantial tax savings and an increase in spending power. Participating employee must
re-elect the dollar amount to be deducted each plan year. There are two (2) types of FSAs:

                          Health Care FSA                                                                             Dependent Care FSA

   This account allows participant to set aside up to an annual                    This account allows participant to set aside up to an annual maximum of $5,000 if single
   maximum of $2,650. This money will not be taxable income                        or married and file a joint tax return ($2,500 if married and file a separate tax return) for
   to the participant and can be used to offset the cost of a                      work-related day care expenses. Qualified expenses include day care centers, preschool,
   wide variety of eligible medical expenses that generate                         and before/after school care for eligible children and dependent adults.
   out-of-pocket costs. Participating employee can also receive
   reimbursement for expenses related to dental and vision                         Please note, if a family income is over $20,000, this reimbursement option will likely save
   care (that are not classified as cosmetic).                                     participants more money than the dependent day care tax credit taken on a tax return. To
                                                                                   qualify, dependents must be:
   Examples of common expenses that qualify for
                                                                                      • A child under the age of 13, or
   reimbursement are listed below.
                                                                                      • A child, spouse or other dependent that is physically or mentally incapable
                                                                                        of self-care and spends at least eight (8) hours a day in the participant’s
                                                                                        household.

   Please Note: The entire Health Care FSA election is available for use on        Please Note: Unlike the Health Care FSA, reimbursement is only up to the amount that has been deducted
   the first day coverage is effective.                                            from the participant’s paycheck for the Dependent Care FSA.

A sample list of qualified expenses eligible for reimbursement include, but not limited to, the following:
        Ambulance Service
       99                                                                 Experimental Medical Treatment
                                                                         99                                                           Nursing Services
                                                                                                                                     99
        Chiropractic Care
       99                                                                 Corrective Eyeglasses and Contact Lenses
                                                                         99                                                           Optometrist Fees
                                                                                                                                     99
        Dental and Orthodontic Fees
       99                                                                 Hearing Aids and Exams
                                                                         99                                                           Prescription Drugs
                                                                                                                                     99
        Diagnostic Tests/Health Screenings
       99                                                                 Injections and Vaccinations
                                                                         99                                                           Sunscreen SPF 15 or Greater
                                                                                                                                     99
        Physician Fees and Office Visits
       99                                                                 LASIK Surgery
                                                                         99                                                           Wheelchairs
                                                                                                                                     99
        Drug Addiction/Alcoholism Treatment
       99                                                                 Mental Health Care
                                                                         99
     Log on to http://www.irs.gov/publications/p502/index.html for additional details regarding qualified and non-qualified expenses.

19                                                                                                                                                  © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Flexible Spending Account (Continued)
FSA Guidelines
   • The Health Care FSA has a run out period at the end of the plan year
     (90 days) to submit reimbursement for eligible expenses incurred               HERE’S HOW IT WORKS!
     during the period of coverage within the plan year.
                                                                                     An employee earning $30,000 elects to place $1,000 into a Health
   • When a plan year ends and all claims have been filed, all unused                Care FSA. The payroll deduction is $38.46 based on a 26 pay period
     funds will be forfeited and not returned.                                       schedule. As a result, health care expenses are paid with tax-free
   • Employee can enroll in an FSA only during the Open Enrollment                   dollars, giving the employee a tax savings of $227.
     period, a Qualifying Event, or New Hire Eligibility period.
   • Money cannot be transferred between FSAs.                                                                            With a Health       Without a Health
                                                                                                                            Care FSA              Care FSA
   • Reimbursed expenses cannot be deducted for income tax purposes.
                                                                                     Salary                                     $30,000               $30,000
   • Employee and dependent(s) cannot be reimbursed for services not
                                                                                     FSA Contribution                           - $1,000                  - $0
     received.
                                                                                     Taxable Pay                                $29,000               $30,000
   • Employee and dependent(s) cannot receive insurance benefits or
                                                                                     Estimated Tax
     any other compensation for expenses reimbursed through an FSA.                  22.65% = 15% + 7.65% FICA
                                                                                                                                - $6,568              - $6,795
   • Domestic Partners are not eligible as Federal law does not recognize            After Tax Expenses                             - $0              - $1,000
     them as a qualified dependent.
                                                                                     Spendable Income                           $22,432               $22,205

Filing a Claim                                                                       Tax Savings                                 $227
Claim Form
A completed claim form along with a copy of the receipt as proof of the
expense can be submitted by mail or fax. The IRS requires FSA participants to
maintain complete documentation, including copies of receipts for reimbursed        Please Note: Be conservative when estimating health care and/or dependent
expenses, for a minimum of one (1) year.                                            care expenses. IRS regulations state that any unused funds which remain in
                                                                                    an FSA, after a plan year ends and after all claims have been filed, cannot be
Debit Card                                                                          returned or carried forward to the next plan year. This rule is known as “use
FSA participants can request a debit card for payment of eligible expenses. With    it or lose it.”
the card, most qualified services and products can be paid at the point of sale
versus paying out-of-pocket and requesting reimbursement. The debit card is
accepted at a number of medical providers and facilities, and most pharmacy
retail outlets. P&A Group may request supporting documentations for expenses                              Claims Mailing Address
paid with a debit card. Failure to provide supporting documentation when             17 Court Street, Suite 500 | Buffalo, NY 14042 | Fax: (877) 855-7105
requested, may result in suspension of the card and account until funds are
substantiated or refunded back to the City. This card will not expire at the end
                                                                                    P&A Group | Customer Service: (800) 688-2611 | www.padmin.com
of the benefit year. Please keep the issued card for use next year. Additional or
replacement cards may be requested, however, a small fee may apply.

© 2016, Gehring Group, Inc., All Rights Reserved
                                                                                                                                                                     20
City of Hollywood | Employee Benefit Highlights | 2019

Basic Life and AD&D Insurance                                                 Voluntary Life and AD&D Insurance
Basic Term Life Insurance                                                     Voluntary Employee Life and AD&D Insurance
The City provides Basic Term Life insurance through Symetra.                  All eligible classes may elect to purchase additional Life and AD&D insurance
                                                                              on a voluntary basis through Symetra. This coverage may be purchased in
Class 1: Elected officials will receive a coverage amount of $100,000.        addition to the Basic Term Life and AD&D coverage. Voluntary Life insurance
Class 2: Executives, Management, Technical, Professional and Supervisory      offers coverage for employee, spouse and/or child(ren) at different benefit
employees will receive a coverage amount of $100,000.                         levels.

Class 3: Police Union employees will receive a coverage amount of $100,000.
                                                                                  New Hires may purchase Voluntary Employee Life insurance without
Class 4: Fire Union employees will receive a coverage amount of $100,000.         having to go through Medical Underwriting, also known as Evidence
                                                                                     of Insurability (EOI), up to the Guaranteed Issue amount of
Class 5: Confidential, General, Grant and Housing Authority employees will                                      $400,000.
receive a coverage amount of $25,000.

Accidental Death & Dismemberment Insurance                                      • Units can be purchased from $15,000 not to exceed a maximum of
Also, at no cost to the employee, the City provides Accidental Death &            $475,000, in increments of $5,000.
Dismemberment (AD&D) insurance, which pays in addition to the Basic Term        • Benefit amounts are subject to the following age reduction
Life benefit when death occurs as a result of an accident. The AD&D benefit       schedule:
amount equals the Basic Term Life benefit.                                        ›› Reduces to 65% of the benefit amount at age 70
                                                                                  ›› Reduces to 45% of the benefit amount at age 75
   Always remember to keep beneficiary information updated.
                                                                                  ›› Reduces to 35% of the benefit amount at age 80
      Beneficiary information may be updated at anytime
     through Human Resources or by logging onto BenTek at                     Voluntary Spouse and Dependent Life Insurance
               www.mybentek.com/hollywood.                                      • Eligible child(ren) may be covered from 14 days up to 26 years old.
                                                                                • Coverage may be purchased in two Family Unit benefit options:
     Symetra | Customer Service: (800) 796-3872 | www.symetra.com                 ›› Option I: Spouse: $10,000 benefit, Child: $5,000 benefit, Cost
                                                                                     per month: $3.06
                                                                                  ›› Option II: Spouse: $5,000 benefit, Child: $2,500 benefit, Cost per
                                                                                     month: $1.52

21                                                                                                                      © 2016, Gehring Group, Inc., All Rights Reserved
City of Hollywood | Employee Benefit Highlights | 2019

Long Term Disability                                                                  Employee Assistance Program
The City provides Long Term Disability (LTD) insurance, at no cost, to all eligible   The City cares about the well-being of all employees on and off the job and
employees through Symetra. The LTD benefit pays a percentage of gross                 provides, at no cost, a comprehensive Employee Assistance Program (EAP)
monthly earnings if employee becomes disabled due to an illness or non-work           through CCA. EAP offers employee and each family member access to licensed
related injury. If there are any questions about the plan offerings or coverage       mental health professionals through a confidential program protected
options, please contact Symetra or Human Resources.                                   by State and Federal laws. EAP is available to help employee gain a better
                                                                                      understanding of problems that affect them, locate the best professional help
Long Term Disability (LTD) Benefits                                                   for a particular problem and decide upon a plan of action. EAP counselors are
   • The LTD benefit pays 60% of the employee's monthly earnings up to                professionally trained and certified in their fields and available 24 hours a day,
     a monthly benefit maximum of $9,000.                                             seven (7) days a week.
   • Employee must be disabled for 90 consecutive days prior to                       What is an Employee Assistance Program?
     becoming eligible for benefits (known as the elimination period).
                                                                                      An Employee Assistance Program offers covered employees and family
   • Benefit payments will commence on the 91st day of disability.
                                                                                      members/domestic partners’ free and convenient access to a range of
   • Employee may continue to be eligible for partial benefits if                     confidential and professional services to help address a variety of problems
     employee returns to work on a part-time basis.                                   that may negatively affect employee or family member’s well-being. Coverage
   • Periodic evaluations may occur at the discretion of Symetra.                     includes six (6) face-to-face, counseling sessions (per person/per issue/per
   • The maximum benefit period is determined based on age at the                     year), telephonic consultation, online material/tools and webinars. EAP offers
     time of disability.                                                              counseling services on issues such as:
   • Benefits may be reduced by other income.                                               Stress Management                         Work Related Issues
                                                                                           99                                        99
       Symetra | Customer Service: (800) 796-3872 | www.symetra.com                         Depression and Anxiety
                                                                                           99                                         Child Care Resources
                                                                                                                                     99
                                                                                            Grief and Bereavement
                                                                                           99                                         Adult and Elder Care
                                                                                                                                     99
                                                                                            Family and/or Marriage
                                                                                           99                                         Assistance
                                                                                            Issues                                    Legal Resources
                                                                                                                                     99
                                                                                            Substance Abuse
                                                                                           99                                         Financial Resources
                                                                                                                                     99
                                                                                      Are Services Confidential?
                                                                                      Yes. Receipt of EAP services are completely confidential. If participation in the
                                                                                      EAP is the direct result of a Management Referral (a referral initiated by Human
                                                                                      Resources), we will ask permission to communicate certain aspects of the
                                                                                      employee’s care (attendance at sessions, adherence to treatment plans, etc.)
                                                                                      to Human Resources. Human Resources will not receive specific information
                                                                                      regarding the referred employee’s case. Humana Resources will only receive
                                                                                      reports on whether the referred employee is complying with the prescribed
                                                                                      treatment plan.

                                                                                                      CCA, Inc. | Customer Service: (800) 833-8707
                                                                                                     www.myccaonline.com | Login Code: hollywood

© 2016, Gehring Group, Inc., All Rights Reserved
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