Welcome to your 2011 Employee Benefits Guide

We are committed to providing employees with a benefits program that is both

comprehensive and competitive. Our program offers a range of plan options to

meet the needs of our diverse workforce. We know that your benefits are important

to you and your family. This program is designed to assist you in providing for the

health, wellbeing and financial security of you and covered dependents. Helping you

understand the benefits PPCP offers is important to us. That is why we have created

this Employee Benefits Guide.

Benefits Guide Overview

This guide provides a general overview of your benefit choices to help you select

the coverage that is right for you. Be sure to make choices that work to your best

advantage. Of course with choice, comes responsibility and planning. Please take time

to read about and understand the benefit, plan thoughtfully, and enroll on time.

Included in this guide are summary explanations of the benefits and costs as well as

contact information for each provider.

It is important to remember that only those benefit programs for which you are

eligible and have enrolled in apply to you. We encourage you to review each section

and to discuss your benefits with your family members. Be sure to pay close attention

to applicable co-payments and deductibles, how to file claims, preauthorization

requirements, networks and services that may be limited or not covered (exclusions).

This guide is not an employee/employer contract. It is not intended to cover all

provisions of all plans but rather is a quick reference to help answer most of your

questions. Please see your Summary Plan Description for complete details. We hope

this guide will give you a clear explanation of your benefits and help you be better

prepared for the enrollment process.

Contents

At Your Service .......................................................................................................................................................... 3

Your Contributions ...................................................................................................................................................4

Eligibility Details ....................................................................................................................................................... 5

Medical Insurance .....................................................................................................................................................6

HSA .................................................................................................................................................................................. 8

Health & Wellness .....................................................................................................................................................9

Dental Insurance ...................................................................................................................................................... 10

Basic Life Insurance ................................................................................................................................................12

Optional Term Life Insurance.............................................................................................................................13

Voluntary Long term Disability .........................................................................................................................14

Voluntary Short term Disability ...................................................................................................................... 15

Allstate Workplace Benefits ...............................................................................................................................16

401(k) Plan ..................................................................................................................................................................17

Pre-Paid Legal Services ...................................................................................................................................... 18

Identity Theft Protection .................................................................................................................................... 19

Employee Assistance Program (EAP) .......................................................................................................... 21

Medicare Notice ....................................................................................................................................................... 21

Chip Notice ...............................................................................................................................................................22

Benefit Contacts ......................................................................................................................................................23welco

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2 Employee Benefits Guide

Employee Call Center

PPCP employees have access to a dedicated employee benefit hotline to answer questions about enrollment, coverage, claims and all other concerns regarding their employee benefit package. Our call center is staffed with trained professionals who understand your benefits plan and are dedicated to providing solutions to your problems. Its easy and its free, just call or email:

1-877-335-3067 (toll-free) Monday - Friday 9am - 5pm EST email: customerservice@bwbenefits.com

At Your Service...

Employee Service Hotline: 1-877-335-3067 3

4 Employee Benefits Guide

Medical Plan - PPODeduction

per pay period*

Employee Only $80.00

Employee + Spouse $375.50

Employee + Children $297.00

Employee + Family $474.00

Medical Plan - hdhPDeduction

per pay period*

Employee Only $47.50

Employee + Spouse $294.00

Employee + Children $228.00

Employee + Family $376.00

Your ContributionsMe

dical

dental PlanDeduction

per pay period*

Employee Only $16.50

Employee + Family $43.00

Dental

*Deductions based on 24 pay periods

Employee Service Hotline: 1-877-335-3067 5

Are you eligible for benefits?

To determine the benefits for which you may be eligible, please refer to the chart below. You are eligible to participate

in these plans upon meeting each plans eligibility requirements. You also have the option to enroll your eligible

dependents in some of these plans. Eligible dependents may include:

Your spouse

Your children to age 26*

*Certain limitations apply. Please call the Employee Service Hotline for additional information, 1-877-335-3067

Eligibility Details

Benefit Plan Eligibility New Hire Waiting Period

Medical/Prescription Full time Employee First of the month following 90 days

Dental Full time Employee First of the month following 90 days

Basic Life Full time Employee First of the month following 90 days

Optional Life Full time Employee First of the month following 90 days

Voluntary LTD Full time Employee First of the month following 90 days

Voluntary STD Full time Employee First of the month following 90 days

401 (k) Full time Employee First of the month following 90 days

Medical Plan - PPODeduction

per pay period*

Employee Only $80.00

Employee + Spouse $375.50

Employee + Children $297.00

Employee + Family $474.00

Medical Plan - hdhPDeduction

per pay period*

Employee Only $47.50

Employee + Spouse $294.00

Employee + Children $228.00

Employee + Family $376.00

BenefitsIn-Network

MEMBER PAYSOut-of-Network MEMBER PAYS

Annual Deductible - Per Member / Per Family $750 / $2,250 $1,500 / $4,500

Coinsurance - Plan Pays / Member Pays(After the deductible, all covered expenses are paid as follows)

80% / 20% 60% / 40%

Maximum Coinsurance - Per Member / Per Family (Once these limits are met, all remaining covered expenses are paid at 100%)

$3,000 / $6,000 $6,000 / $12,000

Primary Care Office Services Hospital Services

$20 copay per visit$0

Deductible, then 40%Deductible, then 40%

Specialty Care Office Services Hospital Services (includes inpatient, outpatient & ambulatory care services)Emergency Room care

$40 copay per visitDeductible, then 20% Deductible, then 20%

Deductible, then 40%Deductible, then 40% Deductible, then 20%

Other Routine Care GYN exam Routine Screening Mammogram Routine Screening Colonoscopy

$20 copay per visit$0 $0

Deductible, then 40%Deductible, then 40% Deductible, then 40%

Maternity Care Routine Maternity Physician Services Deductible, then 20% Deductible, then 40%

Inpatient Hospital/Facility Services (Authorization required) Admission (including maternity) Skilled Nursing and Long-term Acute Care Facility

Deductible, then 20% Deductible, then 20%

Deductible, then 40% Deductible, then 40%

Outpatient/Ambulatory Care Facilities All services (including maternity) Emergency room services Urgent care

Deductible, then 20% $150 per visit, then 20% $20 copay per visit

Deductible, then 40%$150 per visit, then 20% Deductible, then 40%

Other Services Occupational Therapy 20 visits per Benefit Period Physical Therapy 20 visits per Benefit Period Speech Therapy 20 visits per Benefit Period Ambulance Home Health Private Duty