Effective: January 1, 2007

ELIGIBILITY:

Following 90 days after hire date, permanent employees regularly working 30 hours or more per week are eligible for group benefits the first day of the
proceeding month.

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Trusteed Plans Service, PPO Plan

Annual Deductible

Individual $750 per Calendar Year
Family $1,500 per Calendar Year
 

Out of Pocket Max

Individual $5,000 per Calendar Year
Family $10,000 per Calendar Year

 
Office Visits

Deductible waived on first 4 visits only, $20 co-pay each ($30
co-pay for non-PPO), then deducible applies, paid as other services

 
Emergency

80% coverage (deductible waived) after $100 co-pay for PPO
60% coverage (deductible waived) after $100 co-pay non-PPO
 

Ambulance

80% coverage

 
Most other services

80% coverage for PPO
60% coverage for non-PPO

 
Prescriptions

Generic Rx : Greater of $15 or 20% co-pay
Preferred Name Brand: Greater of $15 or 20% co-pay
Non-Preferred Rx: Greater of $20 or 50% co-pay
Mail Order: Generic and Preferred - $20 co-pay for 90 day supply
Non-preferred- $40 co-pay for 90 day supply

 
Lifetime Max

$50,000 for Employee’s first plan year
$75,000 for Employee’s second plan year
$100,000 for Employee’s third plan year
$1,000,000 after Employee’s three consecutive plan years

Trusteed Plans Services

Annual Deductible - $50.00 per person, $150.00 per family
100% coverage for Preventative Dental Care (deductible waived)
80% coverage for Basic Dental Care
50% coverage for Major Dental Care
$2,000 Maximum Benefit Annually

Trusteed Plans Services

Services are paid or reimbursed at 100% up to limits, as follows:
Exam $ 60.00 1 per year
Lenses (single) $ 60.00 1 pair per year
        (bi-focal) $ 90.00
        (tri-focal) $120.00
        (contacts) $100.00
Frames $ 60.00 1 per 2 years
(Employees/dependents must be enrolled in medical plan to receive vision reimbursement)

Effective January 1, 2007, employee's weekly responsibility for Group Health Plan Coverage is as follows:

Every December, employees are eligible to enroll in the Group Health Plan and/or add or drop dependents for January 1, effective date. All persons enrolling in Dental plan during Open Enrollment will be subject to a 12 month waiting period for coverage for Basic and Major Services.

SHORT TERM DISABILITY
Hartford Insurance Company
Premiums are 100% paid by the Company
$225.00 per week benefit for maximum of 13 weeks
Waiting Period: benefits start on 8th day of disability

LIFE INSURANCE
Hartford Insurance Company
Premiums are 100% paid by the Company
$20,000 benefit
$2,000 Dependent Life

Regular full-time Employees may begin contributing up to 15% of wages on the first of the month following 90 days after hire date.
 
After one year of regular full-time service, as defined in the benefit package plan, the Company matches 50% of employee contributions up to the first 6%.
 
Example:
Gross monthly wage of $3,400.00; and
Contributing 6% per month to the 401(k) plan:
401(k) Savings at 6% = $204.00/month
Matching Contribution = 102.00/month
Total Deferred/Contribution = $306.00/month.

Market Transport, Ltd. has contracted with E.A.S.E. to provide free crisis counseling and referral services for employees and their family.
 
Click Here to view the E.A.S.E. website

Optional supplemental health insurance for cancer, accident, intensive care and other is available upon request. Premiums are deducted from wages. See Personnel Department for more information.

This summary presents general information, only. Not all of the above plan provisions, limitations, and exclusions are included. Employee paid premiums for employee and dependent coverage are subject to change at the discretion of Market Transport, Ltd. In the event of any conflict between the information in this summary and the actual plan documents and insurance or benefit contracts, the plan documents and insurance or benefit contracts will govern.