EMPLOYEE HEALTH PLAN

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EMPLOYEE HEALTH PLAN

• Effective January 1, 2009

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Agenda

• Choice of 2 Cigna Health Plans
• Vision Benefit
• Choice Care Card
• Dental Plan
• Life Insurance Disability Plans
• Voluntary Benefits
• Carroll Concrete Web Portal
• myCigna.com
• Wellness Assessment

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• Choice of 2 CIGNA Health Plans
• New CIGNA Plan
• Current Plan B

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Personal Care Account
Your employer is providing you with a
Personal Care Account (HRA)

• Use these funds to pay for
• Co-pays
• Amounts that go toward deductible
• Prescriptions (Plan C)

Both Plans 1,000 Single 2,000 Couple 2,000
Family
50 of funds roll over into next year
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Plan C Highlights

• One deductible for Medical Rx
• Deductible is aggregate
• Once you meet your deductible,
• medical and Rx is paid at 100
• 100 preventive benefits
• Same Cigna Provider Network
• Same myCigna.com login

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Payroll Deductions
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Vision Benefit

• Eye Exam every 12 months 60 allowance per exam
  Covered in-network only
• Reimbursement toward purchase of a pair of lenses
  or contact lenses every 12 months
• Reimbursement toward purchase of frames every 24
  months
• Maximum Reimbursement Allowance
• Single Vision Lenses 78
• Bifocal Lenses 160
• Trifocal Lenses 190
• Lenticular Lenses 215
• Progressive Lenses Not covered
• Contact Lenses -
• Elective 125
• Therapeutic 131
• Frames 82

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Dental Plan
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Disability and Life Insurance

• Premiums paid by Carroll Concrete no cost to
  you!
• For all full-time employees

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Voluntary Benefits

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•  
• You buy if you decide they are right for you.
• Enrollment yearly next chance is May 2009

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Lets Review

• A Choice of 2 CIGNA Health Plans
• OPTION 1 PLAN B
• Current Plan Design and Current Personal Care
  Account
• Use up to 300 towards dental expenses
• Use up to 200 towards vision expenses
• Higher Payroll Deductions
• OPTION 2 PLAN C
• High Deductible Health Plan
• Use Choice Care Card for medical, prescription,
  dental vision expenses
• One deductible for medical and prescription
  expenses
• After deductible, all medical and
  prescriptions paid at 100
• Lower Payroll Deductions
• Remember 50 of unused funds on Choice Care
  Card rollover
• Same Dental Plan for 2009

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Your Benefit Web Portal
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On the home page of www.carrollconcrete.com
Click Here
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This web portal is your Single Benefit Source
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This web portal is your Single Benefit Source
Click Here to see an Overview.
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This web portal is your Single Benefit Source
CIGNA Health Plan Information
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This web portal is your Single Benefit Source
Choice Care Card Information
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This web portal is your Single Benefit Source
Dental Plan Information
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This web portal is your Single Benefit Source
Plus Contact Info 401k Link
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This web portal is your Single Benefit Source
Click Here or go to www.mycigna.com
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myCigna.com
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Award Winning Member Website Decision Support
Information - Claims
Log-on! Explore Learn. This website will be
available
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Medical Pharmacy Plan Information
Locate Providers
Print ID Cards
Mail Order Pharmacy
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Health Resource Information
Research Quality
Gather Information
Manage Your Health
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24-Hour Health Information Line
Speak directly to a Nurse. Number is on your ID
Card.
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CIGNA Well-Aware Care Management Programs

• Asthma
• Diabetes
• Heart Disease
• Low Back Pain
• Depression
• Weight Complications

If you are identified with a chronic care
condition you may be contacted by CIGNA
Healthcare to participate in one of these
programs
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Enhanced Prescription Drug Price Quote Tool
STEP 1 Find a Drug
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Improving the experience for Members to Compare
Drug Prices
STEP 2 Select a Dosage/Quantity
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Improving the experience for Members to Compare
Drug Prices
STEP 3 Select a Pharmacy
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Improving the experience for Members to Compare
Drug Prices
STEP 4 Compare Prices
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Award Winning Member Website Decision Support
Information - Claims
Log-on! Explore Learn.
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Assessment Wellness
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Biometric Screenings will take place again March
2009
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IHS Programs

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•  
• Register on website
• Log on the website, www.interactivehs.com
• Click on Register Now
• Enter Patient or Sponsor Code, ____
• Key your name and date of birth
• Go to MY RECORDS, then TEST RESULTS
• Look up
• Look up your score
• Forward results to your physician
• Check out the health coaching courses available
• Register with a health coach

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Wellness and
Both Plans B C Earn more money on your
card Get reimbursed
100 after completing a wellness program under
IHS or Cigna (400 Family max/yr)

150 towards Fitness Club Membership
Employee Spouse (300 max/yr) 100 towards
Weight-loss Program Employee Spouse
(200 max/yr)
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How to Submit for Fitness Club Benefit
Weight-Loss Benefit (Both B C)
Fitness Benefit 150 per employee spouse per
calendar year (300 max/year)

• Fitness Club Benefit
• Choose a qualified heath club
• Complete a Fitness Club Benefit Form and Choice
  Care manual claim form
• Fax completed forms to Choice Care
• You will receive a check mailed to your home

Weight Loss Benefit 100 per employee
spouse per calendar year (200 max/year)

• Weight Loss Benefit
• Choose a qualified nationally-recognized weight
  loss program
• Complete a Weight Loss Benefit Form and Choice
  Care manual claim form
• Fax completed forms to Choice Care
• You will receive a check mailed to your home

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Weight Management Program
Weight Management Program

• 66 of US adults are overweight or obese1
• Obesity is responsible for at least 60 billion
  in direct US health care costs annually2
• Obese individuals spend 36 more on health care
  and 77 more on prescription drugs3
• Between 2000 and 2005, the prevalence of a BMI
  over 40 (indicating clinically severe obesity)
  increased by 50 percent4

Employees

• Telephone Coaching
• Member self enrolls
• Dedicated wellness coach assesses motivation
  readiness to change
• Stratification into five levels based on
  BMI/health status and co-morbidities
• Self-paced program including 11 coaching sessions
  over a 12 to 24-week period
• Personal healthy living plan
• Barriers, triggers and support system
• Physical activity, sleep nutrition
• Workbook tool kit
• 24/7 support line
• Spanish program available

• Program Overview
• Evidence-based program using behavior
  modification techniques
• Self enrollment
• Confidential and secure support
• Telephone-based program
• Dedicated wellness coaches
• Coaches trained in intrinsic coaching,
  motivational interviewing, and behavior
  modification
• Online Behavioral Change Program
• 12-module program
• Interactive tools and resources
• Participant satisfaction survey
• Post-graduation outcomes survey
• Quarterly and semi-annual reporting

• Online Behavior Change Program
• Modular program
• Personal health assessment and healthy living
  plan
• Targeted, educational emails
• Key learning themes and tips
• 24/7 access
• Option to contact coach via telephone
• Goal oriented

Available 1/1/2008
Earn 100 on your Choice Care Card for completion
of this program
Available 1/1/2008
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Tobacco Cessation Program

• Tobacco use is the leading preventable cause of
  death in the US, resulting in approximately
  440,000 deaths each year1
• More than 8.6 million people in the US have at
  least one serious illness caused by smoking1
• In 2005, US employers lost 92 billion in
  productivity costs attributable to
  smoking-related deaths and incurred 75 billion
  in direct medical costs1

1 CDC, 2004

• Telephone Coaching
• Member self enrolls
• Wellness coach assesses
• - Motivation confidence
• - Readiness to change
• - Health status, risk factors and co-morbidities
• Personal quit plan development
• - Barriers, triggers and
• support system
• - Restratification at each
• coaching call
• - Workbook toolkit
• 24/7 support line
• Spanish program available

• Online Behavior
• Change Program
• Modular 8-week program
• Access to over the counter nicotine replacement
  therapy at no cost to the member
• Targeted, educational emails
• related online content
• Key learning themes tips
• 24/7 access
• Option to contact a coach via
• telephone
• Motivational information and tools

• Program Overview
• Evidence-based program
• Self enrollment
• Support for all stages of quitting
• 8-week patch or 12-week gum
• included at no cost to participant
• Convenient secure support
• Telephone-based program
• Dedicated wellness coaches trained in
  motivational interviewing and behavioral
  modification
• Online Behavior Change Program
• 8-week self-paced program
• Participant satisfaction survey
• Post-graduation outcomes survey
• Quarterly and semi-annual reporting

Earn 100 on your Choice Care Card for completion
of this program
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Do you want to make a change to your plan?
Open enrollment is NOW for January 1st

• Open enrollment for our plan is in January
• Contact Vickie or Jane if you wish to
• Enroll in the plan
• Add/drop a dependent
• Switch from Plan B to C
• Or make other plan changes
• All changes MUST be made prior to 12/31

All changes MUST be made prior to 12/31