US Benefits Overview

Time Off

Level I Employees
	Anniversary		Vacation (on anniv. date)		ChoiceTime		Total Paid Days Off Each Year
	Date of hire up to 1st anniv.		0		7 (earn 1 day per month)		7
	1st anniv.		5		12 (1 day per month)		17
	2nd-4th anniv.		10		7 (on anniversary date)		17
	5th-14th anniv.		15		7 (on anniversary date)		22
	15th-24th anniv.		20		7 (on anniversary date)		27

	Holidays
	In addition to ChoiceTime & Vacation Days: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Christmas Day

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Health Insurance

Enterprise offers Medical, Dental, Prescription Drug coverage as a packaged benefit only. Employees and their covered dependents must enroll in the same plan - either PPO300, PPO600 or EPO.

	Medical
	Provider			UnitedHealthcare Choose from PPO300, PPO600, or EPO coverage.
	Cost			Premiums payroll deducted pretax
	Effective Date			1st day of the 3rd month following first day of work as a full-time employee.
	PPO300			UnitedHealthcare's PPO is a national network of selected hospitals, doctors and other health care providers who agree to supply health care services at reduced costs.
	Office Copay			Primary Care: $20 (In-Network) Specialty Care: $35 (In-Network)
	Wellness Benefit			$350 maximum per person, per calendar year
	Deductibles			In-Network: $300/individual per calendar year $600/family per calendar year Out-of-Network: $600/individual per calendar year $1200/family per calendar year
	Plan Pays			In-Network: 90% after deductible Out-of-Network: 60% after deductible
	Out-of-Pocket Limits			In-Network: $1200/individual per calendar year $2400/family per calendar year Out-of-Network: $2400/individual per calendar year $4800/family per calendar year
	PPO600			UnitedHealthcare's PPO is a national network of selected hospitals, doctors and other health care providers who agree to supply health care services at reduced costs.
	Office Copay			Primary Care: $20 (In-Network) Specialty Care: $40 (In-Network)
	Wellness Benefit			$350 maximum per person, per calendar year
	Deductibles			In-Network: $600/individual per calendar year $1200/family per calendar year Out-of-Network: $1200/individual per calendar year $2400/family per calendar year
	Plan Pays			In-Network: 80% after deductible Out-of-Network: 60% after deductible
	Out-of-Pocket Limits			In-Network: $1800/individual per calendar year $3600/family per calendar year Out-of-Network: $3600/individual per calendar year $7200/family per calendar year
	EPO			UnitedHealthcare's EPO is a local network of health care providers including Primary Care Physicians (PCPs), specialists, hospitals and ancillary services, who offer predictable and lower out-of-pocket health care costs. Primary Care Physician (PCP) follows care and no referrals are necessary to see a specialist in the EPO network.
	Office Copay			Primary Care: $25 (EPO Network) Specialty Care: $50 (EPO Network)
	Wellness Benefit			unlimited
	Deductibles			none
	Plan Pays			90% after copays and admission fees
	Out-of-Pocket Limits			$1000/individual per calendar year $2000/family per calendar year

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	Dental
	Provider			Delta Dental of Missouri (Delta Dental Premier Plan)
	Cost			Included in the cost of medical coverage
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Deductible			Individual: $50 Family: $100  (combined for basic and major restorative care)
	Maximum			$1000 yearly maximum per patient for covered dental services and supplies $1500 lifetime maximum for orthodontia care (for dependent children through age 18)
	Plan Pays			100% of diagnostic and preventive care (no deductible) 80% of basic restorative care; oral surgery for impacted and unimpacted teeth (subject to deductible) 50% of major restorative care (subject to deductible) 50% of orthodontia care up to $1500 lifetime maximum for dependent children through age 18 (no deductible)

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Vision Benefits

	Vision
	Provider			EyeMed Vision Care
	Cost			Premiums payroll deducted pretax
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Member pays copay or discounted balance for professional eyecare services and products when visiting in-network providers

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Life and Disability Insurance

	Basic Life Insurance and AD&D
	Provider			MetLife
	Cost			No cost to employee
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Basic Life Insurance = 1.5 x previous calendar year wages ($25,000 minimum, $350,000 maximum) AD&D Benefit = Doubles basic life insurance benefits for accidental death or pays percentage for dismemberment.

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	Long-Term Disability
	Provider			Unum
	Cost			No cost to employee
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Eligibility			Total disability for 90 calendar days
	Benefit			60% of previous calendar year wages

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Flexible Spending Accounts

	Flexible Spending Accounts
	HCSA			Health Care Spending Account
	Third Party Administrator			ADP Benefit Services
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Pay for qualifying health care expenses with pretax dollars
	Minimum Contribution			$130
	Maximum Contribution			$4000
	DCSA			Dependent Care Spending Account
	Third Party Administrator			ADP Benefit Services
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Pay for qualifying dependent care expenses with pretax dollars
	Minimum Contribution			$130