Comprehensive Major Medical (PPO Network)

• $15 co-pay cover Doctor's office visits in network. 
• Lifetime Maximum $2,000,000 
• $250, $500, and $1,000 Deductible Choice 
• 90% to $5,000 in Network. 100% thereafter. 
• 60% to $5,000 out of Network. 100% thereafter. 
• Maximum of 3 Deductibles per Family (Maximum of $1,500 out of pocket). 
• Deductible is incurred for Hospital charges and out patient surgery. 
• Accident Coverage: 100% up to $500. 
• Lab Card benefit with 100% coverage on lab work. 
• 15,000 Life with AD+D on Primary Health Participant

PCS Cards 

• $10 Co-pay for Generic Medication. 
• $20 Co-pay for Formulary Brand Name Medication plus $30 for Non-Formulary. 
• There is an additional 20% charge on each prescription above $100 (the 20% applies only to the amount above $100) 
• Effective January 1, 2004: There is a $5,000 annual maximum per participant on prescription drug cost

Group Dental Coverage 

• Voluntary 
• One time annual deductible of $50 
• Maximum Benefit Amount per person: $1,500 each calendar year 
  • Percentage Payable: 
    • Type I Services: 100% 
    • Type II Services: 80% 
    • Type III Services: 1st year 10%, 2nd year 25%, 3rd year 50% 
    • Type IV Services: Orthodontics $1,000 maximum 
• Benefit Waiting Period: 
  • For Type IV Services: 24 months from date a person becomes covered.

Vision Coverage

• Eye exam, lenses and frames may be obtained once each twelve months 
• List of participating doctors provided 
• Basic Benefits per year through Cole Vision provide your first pair of the following at no cost: 
  • Spectacle Lenses (includes uncoated plastic lenses)
  • Frames up to regular retail of $100 
  • Contact Lenses up to a regular retail of $100 Mail order option is available through Contact Lens Replacement Program. 
  • Specially discounted glasses and contact lenses may be purchased in unlimited quantities through Cole Vision at discounted rates listed in the brochure.

401 (k) Plan 

• $0.50 per $1.00 match up to the first 5% of the employee's contribution, based on annual gross income.
• Vesting begins with the hire date of the Client Company:
  •  Year One.....20% Vested 
  • Year Two.....40% Vested 
  • Year Three...60% Vested 
  • Year Four.....80% Vested 
  • Year Five.....100% Vested 
• Contribution elections may be changed Semi-Annually (January and July). 
• Participants have daily access to activity of plan through the Internet or by phone. 
• Employee must be active with CRM on 12/31 to receive employer match and have 1000hrs during year.
•  Individual Employee Accounts—The Status of your 401 (k) can be verified by phone and has Internet accessibility.

125 Cafeteria Plan 

• Allows pre-tax spending for the following: 
  1. Unreimbursed medical expenses 
  2. Insurance Premiums 
  3. Child Care 
  4. Orthodontia 
• Taxable income is reduced by selecting various allowable employee benefits to be paid on a non-taxable basis. 
• The higher the employee's taxable income, the more taxes the employee will pay. If the employee can reduce his/her taxable income by the amount of these eligible expenses, he/she will pay less in taxes. By saving on taxes, the employee effectively reduces the cost of his/her insurance.