MRIC | Region 11 BENEFIT GUIDE EFFECTIVE: 09/01/2022 8/31/2023 WWW.TXESCBENEFITS.COM 2022 - 2023 PlanYear 1
Table of Contents FLIP TO... How to Enroll 4-5 Annual Benefit Enrollment 6-11 1. Benefit Updates 6 2. Section 125 Cafeteria Plan Guidelines 7 3. Annual Enrollment 8 4. Eligibility Requirements 9 5. Helpful Definitions 10 6. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) 11 Medical 12-18 Telehealth 19 Health Savings Account (HSA) 20 Flexible Spending Account (FSA) 21-22 Hospital Indemnity 23 Dental 24-25 Dental Discount Program 26 Vision 27 Disability 28 Life and AD&D 29-30 Individual Life 31 Cancer 32 Emergency Medical Transportation 33 Identity Theft 34 HOW TO ENROLLPG. 4 SUMMARYPAGESPG. 6 BENEFITSYOURPG. 12 2
MRIC BENEFITS MEDICAL TRS ACTIVECARE MEDICAL TRS HMO Financial Benefit Services (800) 583 www.txescbenefits.com6908 (866)BCBSTX355 www.bcbstx.com/trsactivecare5999 Scott & White HMO (844) 633 www.trs.swhp.org5325 TELEHEALTH HEALTH SAVINGS ACCOUNT (HSA) FLEXIBLE SPENDING ACCOUNT (FSA) MDLIVE (888) 365 www.mdlive.com/fbs1663 Find HSA vendor contact details at www.txescbenefits.com National Benefit Services (800) 274 www.nbsbenefits.com0503 HOSPITIAL INDEMNITY DENTAL VISION GroupAetna #802613 (800) 872 www.aetna.com3862 GroupCigna #3309408 (800) 244 www.qcdofamerica.com/(800)GroupQCDwww.mycigna.com6224ofAmerica#MRIC112290304 Superior Vision Group #27244 01/17 (800) 507 www.superiorvision.com3800 DISABILITY LIFE AND AD&D INDIVIDUAL LIFE The File(800)GroupHartford#3953315836908aclaim:(866) 278 2655 www.thehartford.com AUL a OneAmerica Company (800) 537 www.oneamerica.com6442 5Star Life Insurance (866) 863 www.5starlifeinsurance.com9753 CANCER EMERGENCY MEDICAL TRANSPORT IDENTITY THEFT (800)APL 256 8606 www.ampublic.com (800)MASA423 3226 www.masamts.com ID (800)Watchdog7743772 www.idwatchdog.com Benefit Contact Information 3
Employee benefits made easy through the FBS Benefits App! AllYour BenefitsOne App OR SCAN Text “FBS MRIC” to (800) 583-6908 App Group #: MRIC11 Text “FBS MRIC” to (800) 583-6908 and get access to everything you need to complete your benefits enrollment: • Benefit Resources • Online Enrollment • Interactive Tools • And more! 4
1 www.txescbenefits.com How to Log In 2 CLICK LOGIN 3 ENTER USERNAME & PASSWORD Your Username Is: The first six (6) characters of your last name, followed by the first letter of you first name, followed by the last four (4) digits of your Social Security number. (New Users) Your Password Is: Last name (excluding punctuation) followed by the last four (4) digits of your Social Security Number. 5
• Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.
New Hire Enrollment
Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section.
For benefit summaries and claim forms, go to your benefit website: www.txescbenefits.com. Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms section. How can I find a Network Provider?
During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs.
• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.
Annual Enrollment
Q&A Who do I contact with Questions?
Where can I find forms?
For benefit summaries and claim forms, go to the MRIC benefit website: www.txescbenefits.com.
All new hire enrollment elections must be completed in the online enrollment system within the first 30 days of benefit eligible employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.
For supplemental benefit questions, you can contact your Benefits/HR department or you can call Financial Benefit Services at 866 914 5202 for assistance.
SUMMARY PAGESAnnual Benefit Enrollment 6
When will I receive ID cards? If the insurance carrier provides ID cards, you can expect to receive those 3 4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card. If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.
A Cafeteria plan enables you to save money by using pre tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer.
Change in Number of Tax Dependents
Gain/Loss
EligibilityDependents'ofStatus
Change in Status of Employment Affecting Coverage Eligibility
Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.
If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual's plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.
A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.
A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).
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Section 125 Cafeteria Plan Guidelines SUMMARY PAGESAnnual Benefit Enrollment CHANGES
An event that causes an employee's dependent to satisfy or cease to satisfy coverage requirements under an employer's plan may include change in age, student, marital, employment or tax dependent status.
Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and meet with your Benefit/HR Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event. IN EVENTS
(CIS):STATUS QUALIFYING
Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.
Marital Status
Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual's eligibility under an employer's plan includes commencement or termination of employment.
Judgment/Decree/Order
Eligibility for Government Programs
Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescription drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).
Calendar Year
Plan Year 1st through August 31st Pre Existing Conditions
After
Annual
In Network Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider. Out of Pocket Maximum
January 1st through December 31st Co-insurance any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. Coverage
The most an eligible or insured person can pay in co insurance for covered expenses.
SUMMARY PAGESHelpful Definitions 8
September
Actively at Work
Guaranteed
You are performing your regular occupation for the employer on a full time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel If you will not be actively at work beginning 9/1/2022 please notify your benefits administrator. Enrollment
The period during which existing employees are given the opportunity to enroll in or change their current elections. Annual Deductible The amount you pay each plan year before the plan begins to pay covered expenses.
The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively at work and/or pre existing condition exclusion provisions do apply, as applicable by carrier.
Annual Benefit Enrollment
Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.
Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent Disclaimer:eligibility.
coverage. PLAN MAXIMUM AGE Medical 26 IndemnityHospital 26 Dental 26 Vision 26 Cancer 26 Voluntary Life 26 Telehealth 26 FlexibleAccountSpending 26 yearterminate(benefitsattheendoftheplanfollowingthebirthday) Individual Life 24 TransportationMedical 26
Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2022 benefits become effective on September 1, 2022, you must be actively at work on September 1, 2022 to be eligible for your new benefits.
Employee RequirementsEligibility
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of
Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week.
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Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse's FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further Potentialguidance.Dependent
Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the ESC as both employees and dependents.
Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse FSA/HSAeligibility.Limitations:
You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee's enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending
Dependent RequirementsEligibility
SUMMARY PAGES
Health Savings Account (HSA) (IRC Sec. 223) Flexible Spending Account (FSA) (IRC Sec. 125) Description Approved by Congress in 2003, HSAs are actual bank accounts in employee’s names that allow employees to save and pay for unreimbursed qualified medical expenses tax free. Allows employees to pay out of pocket expenses for copays, deductibles and certain services not covered by medical plan, tax free. This also allows employees to pay for qualifying dependent care tax free. Employer Eligibility A qualified high deductible health plan. All employers Contribution Source Employee and/or employer Employee and/or employer Account Owner Individual Employer Underlying RequirementInsurance High deductible health plan None Minimum Deductible $1,400 single (2022) $2,800 family (2022) N/A Maximum Contribution $3,650 single (2022) $7,300 family (2022) $2,850 (2022) Permissible Use Of Funds Employees may use funds any way they wish. If used for non qualified medical expenses, subject to current tax rate plus 20% penalty. Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC). Cash Outs of Unused Amounts (if no medical expenses) Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65). Not permitted Year-to-year rollover of account balance? Yes, will roll over to use for subsequent year’s health coverage. No. Access to some funds may be extended if your employer’s plan contains a 2 1/2 month grace period or $500 rollover provision. Does the account earn interest? Yes No Portable? Yes, portable year to year and between jobs. No SUMMARY PAGESHSA vs. FSA FLIP TO FOR HSA INFORMATION PG. 20 FLIP TO FOR FSA INFORMATION PG. 21 10
Notes 11
ABOUT MEDICAL Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis. For full plan details, please visit your benefit website: www.mybenefitshub.com/sampleisd Medical Insurance TRS EMPLOYEE BENEFITS Monthly Premium District Contribution Employee Cost TRS ActiveCare HD Employee Only $429.00 $645.00 $0.00 Employee & Spouse $1,209.00 $645.00 $564.00 Employee & Child(ren) $772.00 $645.00 $127.00 Employee & Family $1,445.00 $645.00 $800.00 TRS ActiveCare 2 Employee Only $1,013.00 $645.00 $368.00 Employee & Spouse $2,402.00 $645.00 $1,757.00 Employee & Child(ren) $1,507.00 $645.00 $862.00 Employee & Family $2,841.00 $645.00 $2,196.00 TRS ActiveCare Primary Employee Only $417.00 $645.00 $0.00 Employee & Spouse $1,176.00 $645.00 $531.00 Employee & Child(ren) $751.00 $645.00 $106.00 Employee & Family $1,405.00 $645.00 $760.00 TRS ActiveCare Primary+ Employee Only $525.00 $645.00 $0.00 Employee & Spouse $1,284.00 $645.00 $639.00 Employee & Child(ren) $845.00 $645.00 $200.00 Employee & Family $1,614.00 $645.00 $969.00 Blue Essentials West Texas HMO Employee Only $569.24 $645.00 $0.00 Employee & Spouse $1,431.08 $645.00 $786.08 Employee & Child(ren) $915.65 $645.00 $270.65 Employee & Family $1,647.24 $645.00 $1,002.24 12
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Alongside your medical coverage is access to quality telehealth services through MDLIVE. Connect anytime day or night with a board certified doctor via your mobile device or computer. While MDLIVE does not replace your primary care physician, it is a convenient and cost effective option when you need care and: • Have a non emergency issue and are considering a convenience care clinic, urgent care clinic or emergency room for treatment • Are on a business trip, vacation or away from home • Are unable to see your primary care physician When to Use MDLIVE: At a cost that is the same or less than a visit to your physician, use telehealth services for minor conditions such as: • Sore throat • Headache • Stomachache • Cold • Flu • Allergies • Fever • Urinary tract infections Do not use telemedicine for serious or life threatening emergencies. Registration is Easy • Register with MDLIVE so you are ready to use this valuable service when and where you need it. • Online www.mdlive.com/fbs • Phone 888 365 1663 • Mobile download the MDLIVE mobile app to your smartphone or mobile device • Select “MDLIVE as a benefit” and “FBS” as your Employer/Organization when registering your account. Check with your employer to see if this benefit is available at no cost to you Telehealth Employee and Family $10.00 ABOUT TELEHEALTH Telehealth provides 24/7/365 access to board certified doctors via telephone or video consultations that can diagnose, recommend treatment and prescribe medication. Telehealth makes care more convenient and accessible for non emergency care when your primary care physician is not available. For full plan details, please visit your benefit website: www.txescbenefits.com Telehealth MDLIVE EMPLOYEE BENEFITS 19
Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP).
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch up contribution for the entire plan year.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• Not eligible to be claimed as a dependent on someone else’s tax return
EMPLOYEE BENEFITS
Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount.
HSA Eligibility
•
You are eligible to open and contribute to an HSA if you Enrolledare: in an HSA eligible HDHP (TSHBP HD & Aetna HD)
Not receiving Veterans Administration benefits
• Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account
A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs it is also a tax exempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs.
• Not enrolled in Medicare or TRICARE
You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2022 is based on the coverage option you elect:
Important HSA Information
For full plan details, please visit your benefit website: www.txescbenefits.com
• Individual $3,650 • Family (filing jointly) $7,300
ABOUT HSA
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax free and spends tax free if used to pay for qualified medical expenses. There is no “use it or lose it” rule you do not lose your money if you do not spend it in the calendar year and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.
A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used.
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Health Savings Account (HSA)
Dependent Care FSA
The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full time. You can use the account to pay for day care or baby sitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent or you and your spouse must be employed outside the home, disabled or a full time student.
Dependent Care FSA Guidelines
• If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13.
•
• You cannot change your election during the year unless you experience a Qualifying Life Event.
• Overnight camps are not eligible for reimbursement (only day camps can be considered).
The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.
•
Important FSA Rules
The maximum per plan year you can contribute to a Health Care FSA is $2,850. The maximum per plan year you can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately.
ABOUT FSA A Flexible Spending Account allows you to pay for eligible healthcare expenses with a pre loaded debit card. You choose the amount to set aside from your paycheck every plan year, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a $500 rollover or grace period provision). For full plan details, please visit your benefit website: www.txescbenefits.com Flexible Spending Account (FSA) NBS EMPLOYEE BENEFITS Health Care FSA The Health Care FSA covers qualified medical, dental and vision expenses for you or your eligible dependents. You may contribute up to $2,850 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include: • Dental and vision expenses • Medical deductibles and coinsurance • Prescription copays • Hearing aids and batteries You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA). How the Health Care FSAs Work You can access the funds in your Health Care FSA two different ways: • Use your NBS Debit Card to pay for qualified expenses, doctor visits and prescription copays. • Pay out of pocket and submit your receipts for reimbursement: Fax 844 438 1496 Email service@nbsbenefits.com Online my.nbsbenefits.com Call for Account Balance: 855 399 3035 Mail: PO Box 6980 West Jordan, UT 84084 Contact NBS • Hours of Operation: 6:00 AM 6:00 PM MST, Mon Fri • Phone: (800) 274 0503 • Email: service@nbsbenefits.com • Mail: PO Box 6980 West Jordan, UT 84084
• You can continue to file claims incurred during the plan
• You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self care.
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$2,850 Saves on
school
You
time $5,000 single
eyeglasses
married and filing separate tax returns Reduces your taxable income 22
insurance, reduces your taxable income Dependent Care FSA Dependent care expenses
Flexible Spending Account (FSA) NBS EMPLOYEE BENEFITS Flexible Spending Accounts Account Type Eligible Expenses Annual Contribution Limits Benefit Health Care FSA Most medical, dental and vision care expenses that
your health plan
year for another 90 days from August 31st . • Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses. Over the Counter Item Rule Reminder
so you
Health care reform legislation requires that certain over the counter (OTC) items require a prescription to qualify as an eligible Health Care FSA expense. will only need to obtain a one time prescription for the current plan year. You can continue to purchase your regular prescription medications with your FSA debit card. However, the FSA debit card may not be used as payment for an OTC item, even when accompanied by a prescription. are not by (such as coinsurance, deductibles, and doctor prescribed over the counter medications) eligible expenses not covered by (such as day care, after school programs or elder care programs) and your spouse can work or attend full $2,500 if
covered
copayments,
This is an affordable supplemental plan that pays you should you be in patient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance. full plan details, please visit your benefit website: www.txescbenefits.com Service Plan 1 Plan 2
ABOUT HOSPITAL INDEMNITY
For
$50 $100
Important Note: All daily inpatient stay benefits begin on day two and count toward the plan year maximum. This benefit may not be available at all ESCs.
The Hospital Indemnity Plan provided through Aetna helps with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance, which pays a benefit to the hospital or doctor, this plan pays you directly based on the care or treatment you receive. These costs may include meals and transportation, childcare or time away from work due to a medical issue that requires hospitalization.
$100 $200 Observation unit Provides a lump sum benefit for the initial day of your stay in an observation unit as the result of an illness or accidental injury. Maximum 1 day per plan year. $100 $200 Rehabilitation unit stay Daily Pays a benefit each day of your stay in a rehabilitation unit immediately after your hospital stay due to an illness or accidental injury. Maximum 30 days per plan year.
Hospital Indemnity Low High Employee $20.82 $36.64 Employee + Spouse $44.21 $78.23 Employee + Child(ren) $29.58 $52.09 Family $48.85 $86.18 23
Hospital Stay Admission Pays a lump sum benefit for the initial day of your stay in a hospital. Maximum 1 stay per plan year. $1,500 $2,500 Hospital Stay Daily Pays a daily benefit, beginning on day two of your stay in a non ICU room of a hospital. Maximum 30 days per plan year $100 $200 Hospital Stay (ICU) Daily Pays a daily benefit, beginning on day two of your stay in an ICU room of a hospital. Maximum 30 days per plan year
Hospital Indemnity Aetna EMPLOYEE BENEFITS
If you need to submit a claim you do so on the Aetna portal at myaetnasupplemental.com.
$200 $400 Newborn routine care Provides a lump sum benefit after the birth of your newborn. This will not pay for an outpatient birth.
Dental Employee $34.00 Employee + Spouse $60.00 Employee + Child(ren) $69.00 Family $96.00 ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and Fordisease.fullplan details, please visit your benefit website: www.txescbenefits.com Dental PPO Insurance Cigna EMPLOYEE BENEFITS Dental PPO In Network: Total Cigna DPPO Network Out of Network: See Non Network Reimbursement Calendar Year Deductible FamilyIndividual $150$50 $150$50 Policy Year Benefits Maximum Applies to: Class I, II, & III expenses $1000 Reimbursement Levels Based on Contracted Fees Maximum Reimbursable Charge You Pay Class I: Diagnostic & Preventive Oral Evaluations, Prophylaxis: routine cleanings, X rays: routine, X rays: non routine, Fluoride Application, Sealants: per tooth, Space Maintainers: non orthodontic, Emergency Care to Relieve Pain 0% Any amount over the Maximum Reimbursable Charge Class II: Basic Restorative Fillings, Oral Surgery: minor, Anesthesia: general and IV sedation, Repairs: Bridges, Crowns and Inlays, Repairs: Dentures, Denture Relines, Rebases and Adjustments 20% after deductible 20% after deductible Our dental plan helps you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Cigna Dental. DPPO Plan Two levels of benefits are available with the DPPO plan: in network and out of network. You may select the dental provider of your choice, but your level of coverage may vary based on the provider you see for services. You could pay more if you use an out of network provider. How to Find a Dentist Visit https://hcpdirectory.cigna.com/ or call 800 244 6224 to find an in network dentist. How to Request a New ID Card You can request your dental id card by contacting Cigna directly at 800 244 6224. You can also go to www.mycigna.com and register/login to access your account. In addition you can download the “MyCigna” app on your smartphone and access your id card right there on your phone. 24
Dental PPO In Network: Total Cigna DPPO Network Out of Network: See Non Network Reimbursement Class III Benefit Waiting Period applies for 12 months. Applies to New Hires Only Class III: Major Restorative Inlays and Onlays, Prosthesis Over Implant, Crowns: prefabricated stainless steel / resin, Crowns: permanent cast and porcelain, Bridges and Dentures, Oral Surgery: major, Endodontics: minor and major, Periodontics: minor and major 50% after deductible 50% after deductible Class III Benefit Waiting Period applies for 12 months. Applies to New Hires Only Class IV: CoverageOrthodontiaforDependent Children to age 19 Class IV Deductible: $50, Lifetime Benefits Maximum: $1,000 50% After Class IV Deductible 50% After Class IV Deductible Benefit Plan Provisions: In Network Reimbursement For services provided by a Cigna Dental PPO network dentist, Cigna Dental will reimburse the dentist according to a Fee Schedule or Discount Schedule. Non Network Reimbursement For services provided by a non network dentist, Cigna Dental will reimburse according to the Maximum Reimbursable Charge. The MRC is calculated at the 90th percentile of all provider charges in the geographic area. The dentist may balance bill up to their usual fees. Dental PPO Insurance Cigna EMPLOYEE BENEFITS 25
ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and Fordisease.fullplan details, please visit your benefit website: www.txescbenefits.com Dental Discount Program QCD EMPLOYEE BENEFITS The QCD of America Dental & Vision Benefit Program is a managed cost program offering a large selection of highly qualified private practice dental and optical professionals. The QCD Philosophy QCD believes that you should pay the lowest monthly cost possible for comprehensive dental and vision benefit coverage for your family. The member benefits from significant cost savings when and if services are used. Why Select QCD? When selecting dental benefits, QCD makes good financial sense. QCD allows you to allocate more of your benefit expenditures to your rising medical costs. A single dental procedure (Root Canal and Crown) could cost you as much as $2000 with no coverage. The QCD program will allow you to save up to 60% on the total cost that could be as much as $1200 in savings and enough to fund your family’s monthly dental and vision benefit costs for several years. No Claim Forms, Deductibles or Coverage Maximums Immediate Coverage for all Pre Existing Conditions Orthodontics (Braces) for Children and Adults Need more information? • Contact our Membership Services Department 972.726.0444 or 1.800.229.0304 • See the last page for your enrollment form • Visit our website at www.qcdofamerica.com • Print ID cards at: https://www.qcdofamerica.com/printcard/ • Find a dentist at: https://www.qcdofamerica.com/find a dentist/ • Please enter Group ID MRC11 to print ID cards. You will also need your subscriber ID#. Contact our office if you do not have this information. SAMPLE DENTAL PROCEDURE FEE PAID WITH QCD OF AMERICA® NATIONALDENTALAVERAGEFEES SAVINGS WITH QCD OF AMERICA® Oral Exam $9 $35 74% Full Mouth X Ray $28 $77 64% Teeth Cleaning $24 $54 56% Amalgam (1 Surface) $28 $79 65% Simple Extraction $36 $80 55% Root Canal (1 Canal) $185 $387 52% Porcelain w/ Metal Crown (lab fees additional) $350 $652 46% Complete Upper or Lower Denture (lab fees additional) $400 $770 48% • Please select any dentist within the QCD Affiliated Dentist Team and make an appointment. • Please be sure to identify yourself as a QCD member and the reduced fee schedule will apply to all charges. • Please call the QCD Member Services Department at 972.726.0444 or 1.800.229.0304 for assistance. • Information may be obtained from the web site at www.qcdofamerica.com Dental Discount Program Employee $6.00 Employee + Spouse $10.00 Employee + Child(ren) $14.00 Family $14.00 26
ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses. For full plan details, please visit your benefit website: www.txescbenefits.com Vision Insurance Superior Vision EMPLOYEE BENEFITS Base Plan Enhanced Plan ContactMaterialsExamLens Fitting $20$20$10 $0$0$5 In network Out of network In network Out of network LensesSingleFactoryTrifocalsBifocalsVisionScratch Coat Ultraviolet coat Covered in full Covered in full Covered in full Covered in full Covered in full Up to $26 Up to $34 Up to $50 Not Covered Not Covered Covered in full Covered in full Covered in full Covered in full Covered in full Up to $26 Up to $34 Up to $50 Not Covered Not Covered Frames $130 retail allowance Up to $52 $150 retail allowance Up to $60 ContactsContacts lens fitting (standard) Contact lens fitting (specialty) Contact lenses Covered in full $50 retail allowance $130 retail allowance Not covered Not covered Up to $100 Covered in full $50 retail allowance $200 retail allowance Not covered Not covered Up to $100 *Contact lenses are in lieu of eyeglass lenses and frames benefit. Our vision plan provides quality care to help preserve your health and eyesight. In addition to identifying vision and eye problems, regular exams can detect certain medical issues such as diabetes and high cholesterol. You may seek care from any licensed optometrist, ophthalmologist or optician, but plan benefits are better if you use an in network provider. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Superior Vision. How to Find a Vision Provider Visit https://superiorvision.com/locator/ or call 800 507 3800 to find an in network vision provider. Your network is the Superior National network. How to Request a New ID Card You can request your vision id card by contacting Superior Vision directly at 800 507 3800. You can also go to www.superiorvision.com and register/login to access your account by clicking on “Members” at the top of the page. You can also download the Superior Vision mobile app on your smart phone. Benefit Frequency Exam Once every 12 months Lenses Once every 12 months Frames Once every 12 months Contacts Once every 12 months Vision High Low Employee $11.24 $7.68 Employee + Spouse $22.48 $15.37 Employee + Child(ren) $25.66 $17.43 Family $39.59 $26.93 Refractive surgery Superior Vision has a nationwide network of independent refractive surgeons and partnerships with leading LASIK networks who offer members a discount. These discounts range from 10% 50%, and are the best possible discounts available to Superior Vision. 27
Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.
The Hartford BENEFITS
Maximum Benefit Duration: Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the schedule selected and the age at which disability occurs, the maximum duration may vary. Please see the applicable schedules on the plan summary document that can be found at www.txescbenefits.com for full details.
Benefit Integration: Your benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as:
If you need to file a claim, contact The Hartford at 866 547 9124 with your group # 395331. Full instructions can be found at www.txescbenefits.com
For full plan details, please visit your benefit website: www.txescbenefits.com
The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin. For those employees electing an elimination period of 30 days or less, if you are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.
Actively at Work: You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in
ABOUT DISABILITY
EMPLOYEE
What is Educator Disability Insurance?
Benefitsession.Amount: You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $8,000 that cannot exceed 66 2/3% of your current monthly earnings. Earnings are defined in The Hartford’s contract with your employer.
Disability Insurance
Elimination Period: You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Disability benefit payment. The elimination period that you select consists of two numbers.
Definition of Disability: Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre disability earnings. One you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 66 2/3% or less of your pre disability earnings.
Pre Existing Condition Limitation: Your policy limits the benefits you can receive for a disability caused by a pre existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have not received treatment for the disabling condition within 3 months, while insured under this policy, before the disability begins, or You have been insured under this policy for 12 months before your disability begins. If your disability is a result of a pre existing condition, we will pay benefits for a maximum of 4 weeks.
• Social Security Disability Insurance • State Teacher Retirement Disability Plans • Workers’ Compensation • Other employer based disability insurance coverage you may have • Unemployment benefits • Retirement benefits that your employer fully or partially pays for (such as a pension plan) Disability (per $100 in benefit, starting with $200 minimum) Elimination Period Plan A Plan B 0/7 $4.06 $3.62 14/14 $3.24 $2.86 30/30 $2.68 $2.40 60/60 $1.83 $1.63 90/90 $1.59 $1.42 180/180 $1.23 $1.09 28
Educator Disability insurance is a hybrid that combines features of short term and long term disability into one plan. Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose an amount of coverage and waiting period that suits your needs. We offer Educator Disability insurance for you to purchase through The Hartford.
• Child:
Designating a Beneficiary
to
of employee amount • Guaranteed Issue $50,000 Child(ren) • Birth to six months $1,000 • Six months to age 26 $10,000 29
A beneficiary is the person or entity you designate to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary and you can change beneficiaries at any time. If you name more than one beneficiary, you must identify the share for each.
Option 2: •
Life and AD&D Available Coverage Employee • Increments of $10,00 up
• You may select a minimum benefit of $25,000 to a maximum benefit amount of $500,000, in increments of $25,000, not to exceed 10 times your annual base salary.
7 times your
You may purchase additional Life and AD&D insurance for you and your eligible dependents. If you decline Voluntary Life and AD&D insurance when first eligible or if you elect coverage and wish to increase your benefit amount at a later date, Evidence of Insurability (EOI) proof of good health may be required before coverage is approved. You must elect Voluntary Life and AD&D coverage for yourself in order to elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you.
Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. full plan details, please visit your benefit website: www.txescbenefits.com
Basic Life and AD&D Basic Life and AD&D insurance are provided at no cost to you.
Supplemental Employee Life Coverage
Life Coverage Option 1: •
•
• Employee must select coverage to select any Dependent coverage.
Life and Accidental Death and Dismemberment (AD&D) insurance through OneAmerica are important parts of your financial security, especially if others depend on you for support. With Life insurance, your beneficiary(ies) can use the coverage to pay off your debts, such as credit cards, mortgages and other final expenses. AD&D coverage provides specified benefits for a covered accidental bodily injury that causes dismemberment (e.g., the loss of a hand, foot or eye). In the event that death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies). As you grow older, your Life and AD&D coverage amount reduces.
Group term life is the most inexpensive way to purchase life insurance.
You have the freedom to select an amount of life insurance coverage you need to help protect the well being of your family.
$250 •
For
Supplemental
Voluntary Life and AD&D
• The Spouse benefit is equal to 50% of the amount elected by the Employee. The Child benefit is equal to 10% of the amount elected by the Employee.
You may select a minimum of $15,000 to a maximum of $75,000 in increments of $15,000, not to exceed 7 times your annual base salary. If you decline Supplemental Employee life insurance when first eligible or if you elect coverage and wish to increase your benefit amount at a later date, Evidence of Insurability (EOI) proof of good health may be required before coverage is approved. Dependent Life Amount Spouse $5,000 Live Birth to under 6 months $250 6 months to under 26 years $1,000 Life Amount Spouse $10,000 Live Birth to under 6 months 6 months to under 26 years $2,000 to $500,000, not exceed annual to 100%
Life and AD&D OneAmerica EMPLOYEE BENEFITS ABOUT LIFE AND AD&D
salary • Guaranteed Issue $200,000 Spouse • Increments of $5,000 up
Accidental Death and Dismemberment
• Child:
Life and AD&D OneAmerica EMPLOYEE BENEFITS Voluntary Life (per $10,000) Employee Age Employee and Spouse <29 $0.45 30 34 $0.75 35 39 $0.95 40 44 $1.45 45 49 $2.35 50 54 $3.60 55 59 $5.60 60 64 $8.20 65+ $16.00 Spouse rates are based on Employee's age and cannot exceed 100% of the Employee’s voluntary life amount. Children Voluntary Life $5,000.00 $1.00 $10,000.00 $2.00 Employee Supplemental Life $15,000 $2.10 $30,000 $4.20 $45,000 $6.30 $60,000 $8.40 $75,000 $10.50 Dependent Supplemental Life Option 1 Option 2 Spouse under age 70 $5,000.00 $10,000.00 Dependent Child 6 months to under age 26 $1,000.00 $2,000.00 Dependent Child live birth to under 6 months $250.00 $250.00 At a premium cost for Family $1.33 monthly $2.67 monthly 30
Individual Life Insurance 5Star EMPLOYEE
With several options to choose from, employees select the coverage that best meets the needs of their
TERMINALfamilies.
FAMILY
For full plan details, please visit your benefit website: www.txescbenefits.com BENEFITS coverage options for employees. Easy and flexible enrollment for employers. The 5Star Life Insurance Company’s Family Protection Plan offers both Individual and Group products with Terminal Illness coverage to age 121, making it easy to provide the right benefit for you and your employees.
PORTABLE Coverage continues with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly. CONVENIENCE Easy payments through payroll deduction. PROTECTION Coverage is available for spouses and financially dependent children, even if the employee doesn’t elect coverage on themselves.
Enhanced
QUALITY OF LIFE Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following: • Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or • Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.
Find full details and rates at www.txescbenefits.com Should you need to file a claim, contact 5Star directly at (866) 863 9753.
ABOUT INDIVIDUAL LIFE Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire.
31
* Financially dependent children 14 days to 23 years old.
CUSTOMIZABLE
*Quality of Life not available ages 66 70. Quality of Life benefits not available for children Child life coverage available only on children and grandchildren of employee (age on application date: 14 days through 23 years). $7.15 monthly for $10,000 coverage per child.
PROTECTION TO COUNT ON Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
ILLNESS ACCELERATION OF BENEFITS Coverage that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).
Public Life
pay for these direct and indirect treatment costs so you can focus on your Shouldhealth.you need to file a claim contact APL at 800 256 8606 or online at www.ampublic.com You can find additional claim forms and materials at www.txescbenefits.com Pre Existing Condition Exclusion: Review the Benefit Summary page that can be found at www.txescbenefits.com for full details. *Carcinoma in situ is not considered internal cancer Benefit Highlights Plan 1 Plan 2 Internal Cancer First Occurrence* $2,500 $2,500 Cancer Screening Rider Benefits Diagnostic Testing 1 test per calendar year $50 per test $50 per test Follow Up Diagnostic Testing 1 test per calendar year $100 per test $100 per test Medical Imaging per calendar year $500 per test/ 1 per calendar year $500 per test/ 1 per calendar year Cancer Treatment Policy Benefits Radiation and ImmunotherapyChemotherapy,MaximumPer 12 month period $10,000 $20,000 Hormone Therapy Maximum of 12 treatments per calendar year $50 per treatment $50 per treatment Surgical Rider Benefits Surgical $45 unit dollar amount Max $4,500 operationper $45 unit dollar amount Max $4,500 operationper Anesthesia 25% of amount paid for covered surgery 25% of amount paid for covered surgery Bone Marrow Transplant Maximum per lifetime $9,000 $9,000 Stem Cell Transplant Maximum per lifetime $900 $900 Miscellaneous Care Rider Benefits Hair Piece (Wig) 1 per lifetime $150 $150 Blood, Plasma &Platelets $300 per day $300 per day Ambulance Ground /Air Maximum of 2 trips per Hospital Confinement for all modes of transportation combined $200/$2000 per trip $200/$2000 per trip Heart Attack/Stroke First Occurrence Rider Benefits Lump Sum Benefit Maximum per 1 covered person per lifetime $2,500 $2,500 Hospital Intensive Care Unit Rider Benefits Intensive Care Unit $600 per day $600 per day Cancer Low High Employee Only $22.32 $25.38 Employee and Spouse $38.44 $46.10 Employee and Child(ren) $27.80 $32.44 Employee and Family $38.50 $49.82 ABOUT CANCER Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment. For full plan details, please visit your benefit website: www.txescbenefits.com Cancer Insurance APL EMPLOYEE BENEFITS 32
your
and
your health plan deductibles and/or coinsurance. Cancer insurance
non medical expenses, you
Treatment for cancer is often lengthy expensive. While health insurance helps pay the medical expenses for cancer it does not cover the cost of non medical as addition to these are responsible for paying through American helps
out of town treatments, special diets, daily living and household upkeep. In
treatment,
expenses, such
MASA EMPLOYEE BENEFITS
Emergency MedicalEmergentTransportationPlusPlatinum Employee & Family $14.00 $39.00 Plan FeaturesEmergentMembershipPlus MembershipPlatinum Emergency TransportationAir x x Emergent Ground Transportation x x Non Emergency Inter Facility Transportation x x RecuperationRepatriation/ x x Escort Transportation x Visitor Transportation x Return Transportation x Mortal TransportationRemains x Minor Return x Organ RecipientRetrieval/OrganTransportation x Vehicle Return x Pet Return x Worldwide Coverage x This benefit may not be available at all ESCs. 33
Suppose you or a family member is hospitalized more than 100 miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation. Should you need assistance with a claim contact MASA at 800 643 9023. You can find full benefit details at: www.txescbenefits.com.
A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. If a member has a high deductible health plan that is compatible with a health savings account, benefits will become available under the MASA membership for expenses incurred for medical care (as defined under Internal Revenue Code (“IRC”) section 213 (d)) once a member satisfies the applicable statutory minimum deductible under IRC section 223(c) for high deductible health plan coverage that is compatible with a health savings account.
Emergency Medical Transport
Emergent Air Transportation
For full plan details, please visit your benefit website: www.txescbenefits.com
In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical facilities.
ABOUT MEDICAL TRANSPORT
In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.
Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the out of pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance and helicopter, depending on the plan.
Emergent Ground Transportation
Non Emergency Inter Facility Transportation
In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non emergency air or ground transportation between medical Repatriation/Recuperationfacilities.
ABOUT IDENTITY THEFT PROTECTION Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered. For full plan details, please visit your benefit website: www.txescbenefits.com Identity Theft ID Watchdog EMPLOYEE BENEFITS Identity theft is one of the fastest growing crimes in the country. Millions of people have their identity stolen each year. Protect yourself and restore your identity with coverage from ID Watchdog. Benefits include: • Identity consultation and advice • Licensed private investigators • Identity and credit monitoring • Social media monitoring • Identity restoration • Threat and credit alerts • 24/7 emergency ID protection access • Mobile app Plan Options ID Watchdog 1B ID Watchdog Platinum Credit Report(s) & VantageScore Credit Score(s) 1 Bureau Monthly 1 Bureau Daily & 3 Bureau Annually Credit Score Tracker 1 Bureau Daily 1 Bureau Daily Credit Report Monitoring 1 Bureau 3 Bureau Credit Report Lock 1 Bureau Multi Bureau identity Theft Insurance Up to $1M Up to $1M 401K/HSA Stolen Funds Reimbursement Up to $500K Emergency Medical Transportation 1B Platinum Employee Only $7.95 $11.95 Employee and Family $14.95 $22.95 This benefit may not be available at all ESCs. 34
Notes 35
Rate Sheet General Disclaimer:
The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the MRIC Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.
36
2022 - 2023 PlanYear WWW.TXESCBENEFITS.COM
Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the MRIC Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice.
