Go Realty 2017 Plan Year

Arranged by Pierce Group Benefits

GO REALTY, LLC PLAN YEAR: December 1, 2016 - November 30, 2017

What’s Inside Benefits Plan Overview.................................................................................

Go Realty, LLC Plan Year December 1, 2016 through November 30, 2017

Health Insurance UnitedHealthcare Gold Choice Plus 2,000…..………………..…...……

Virtual Visits………………………………………………………………...

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Prescription Drug Savings…………………………………

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Summary of Benefits and Coverage…………………………………….. myuhc.com Step-By-Step Registration Process……………..…………

Generic Medications – Five Things You Need to Know………….……

Getting to know your Prescription Drug List...……………………..……

OptumRx Mail Service Pharmacy……………………….……….………

Your Combined Medical and Pharmacy Deductible……………………

Go Realty, LLC is offering all eligible employees a Benefits Program.

This booklet highlights the benefits offered through your employer for the current plan year. Some benefits described in this booklet are fully or partially paid by your employer, while others are fully paid by the employee. You have the opportunity to select the benefits in which you wish to participate. Please see the Benefits Plan Overview section of the booklet for more details.

This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail.

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myHealthcare Cost Estimator……………………………………………. myNurseLine………………………………………………………………..

Dental Benefits Dental Benefits Summary…………………………………………

Finding a Dental Provider………………….…………..………….

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Health & Dental – 2016 - 2017…………………..….………

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Group Term Life Insurance……………….……………….

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Pierce Group Benefits – Website Overview……………………………..……

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Arranged & Enrolled by

Pierce Group Benefits Rev. 10/26/2016

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GO REALTY, LLC EMPLOYEE BENEFITS PROGRAM Provided by Pierce Group Benefits

Pre-Tax Benefits Health Insurance

UnitedHealthcare

Dental Insurance

Aetna

Employer-Paid Benefits Group Term Life Insurance

Aetna

Enrollment Period November 1, 2016 Effective Dates December 1, 2016 through November 30, 2017

Qualifications • Employees who work 30 hours or more per week are eligible for benefits.

• New employees are eligible for benefits the first of the month following 30 days of employment and must enroll within the first 30 days of employment.  The plan year for UnitedHealthcare Health and Aetna Dental lasts from December 1, 2016 through November 30, 2017.  Deductions for UnitedHealthcare Health and Aetna Dental will begin December 2016.  If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.  Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse's employment, or the transition of spouse's employment from full-time to part-time or vice-versa.

To enroll or make changes to your Benefits Plan, please speak with the representative during the Enrollment Period.

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HEALTH INSURANCE Health Benefits Provided by UnitedHealthcare Please visit www.piercegroupbenefits.com/gorealty to review plan summaries and other required notices

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Health Insurance Benefit Highlights

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Health Insurance Summary of Benefits and Coverage

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Health Insurance Summary of Benefits and Coverage

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Health Insurance Summary of Benefits and Coverage

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Health Insurance Summary of Benefits and Coverage

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Health Insurance Summary of Benefits and Coverage

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Health Insurance Summary of Benefits and Coverage

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Health Insurance Summary of Benefits and Coverage

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Health Insurance Summary of Benefits and Coverage

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Health Insurance myuhc.com Step-by-Step Registration Process

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Health Insurance myuhc.com Step-by-Step Registration Process

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Health Insurance Generic Medications – Five Things You Need to Know

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Health Insurance Generic Medications – Five Things You Need to Know

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Health Insurance Getting to Know Your Prescription Drug List

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Health Insurance Getting to Know Your Prescription Drug List

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Health Insurance Getting to Know Your Prescription Drug List

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Health Insurance Getting to Know Your Prescription Drug List

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Health Insurance OptumRx Mail Service Pharmacy

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Health Insurance OptumRx Mail Service Pharmacy

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Health Insurance OptumRx Mail Service Pharmacy

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Health Insurance Your Combined Medical and Pharmacy Deductible

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Health Insurance Your Combined Medical and Pharmacy Deductible

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Health Insurance myHealthcare Cost Estimator

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Health Insurance myHealthcare Cost Estimator

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Health Insurance myHealthcare Cost Estimator

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Health Insurance myHealthcare Cost Estimator

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Health Insurance myNurseLine

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Health Insurance Virtual Visits

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PRESCRIPTION DRUG SAVINGS Mobile Solutions for Prescription Drug Management Provided by OneRx

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DENTAL INSURANCE Dental Benefits Provided by Aetna

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Dental Insurance

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Dental Insurance

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Dental Insurance

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HEALTH & DENTAL RATES

GO REALTY LLC December 1, 2016 - November 30, 2017 Rates

Health Rates for small groups may vary slightly.

Please see your Plan Administrator for finalized rates.

HEALTH INSURANCE

Employee

Employee/

Employee/

Employee/

Only

Spouse

Child(ren)

Family

Monthly Premium

$508.56

$1,017.12

$940.83

$1,576.52

Less Employer Contribution

$508.56

$508.56

$508.56

$508.56

Employee Monthly Contribution

$0.00

$508.56

$432.27

$1,067.96

Employee Per Pay Deduction (24)

$0.00

$254.28

$216.14

$533.98

Employee

Employee/

Employee/

Employee/

Only

Spouse

Children

Family

Monthly Premium

$35.60

$68.00

$86.70

$119.10

Less Employer Contribution

$35.60

$35.60

$35.60

$35.60

Employee Monthly Contribution

$0.00

$32.40

$51.10

$83.50

Employee Per Pay Deduction (24)

$0.00

$16.20

$25.55

$41.75

DENTAL INSURANCE

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GROUP TERM LIFE INSURANCE Group Term Life Benefits Provided by Aetna

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PIERCE GROUP BENEFITS – WEBSITE OVERVIEW

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Website Overview

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Health Insurance – UnitedHealthcare Please see the inside of your Benefit Booklet for more information myuhc.com – Take advantage of easy, timesaving online tools. You can check eligibility, benefits, claims, claim payments, search for a doctor and hospital and more.

24-hour nurse support – A nurse is a phone call away and you have other health resources available 24-hours a day, 7 days a week to provide you with information that can help you make informed decisions. Call the number on the back of your ID card.

Customer Care telephone support – Call a customer care professional using the toll-free number on the back of your ID card.

Dental Insurance – Aetna Customer Service…………………………………………………..1-800-872-3862 Internet Address…………………………………………….……...www.aetna.com Finding a Provider…………………………………………www.aetna.com/docfind

To view your benefits online visit www.piercegroupbenefits.com/gorealty or for additional information concerning plans offered to employees of Go Realty, please contact our North Carolina Service Center at 1-888-662-7500, ext. 100