Benefits

EMPLOYEE BENEFITS EFFECTIVE 01/01/2008

Type of Benefit	Benefit Received	When you Are Eligible
Vacation Pay	2 weeks after first year	Completion of introductory period
Holiday Pay	6 days per year	Immediately
Personal Pay	2 days per year	Completion of introductory period
Sick Pay	12 days per year	Completion of introductory period

MEDICAL INSURANCE: (Available after 30 days)

Option A

Carrier: Blue Cross/Blue Shield (BCBS)

$250 deductible, 80% coverage for the 1st $10,000, 100% thereafter (up to $1,000,000 lifetime), annual out of pocket max $2,000 (up to two per family).

Employee only = $34 per pay
Employee plus children = $86.50 per pay
Family = $104 per pay

All services (with the exception of contract services) provided at an HMA facility paid at 100%.

Option B

Carrier: Blue Cross/Blue Shield (BCBS)

$500 deductible, 70% coverage for the 1st $8,000, 100% thereafter (up to $1,000,000 lifetime), annual out of pocket max $2,400 (up to two per family).

Employee only = $28 per pay
Employee plus children = $63.50 per pay
Family = $80 per pay

All services (with the exception of contract services) provided at an HMA facility paid at 100%.

Well Child Care Benefit added to medical coverage at no extra cost. $20 co-pay per office visit (not subject to deductible and co-pay applies to office visit only. Blue Cross Blue Shield Providers Only.)

PRESCRIPTION PLAN: (Available after 30 days)

Pharmacy Card Program through CareMark is included with your medical election of option A or option B.

DENTAL INSURANCE: (Available after 30 days)

Carrier: Cigna Dental

$50 Deductible per individual up to $150 per family, 80% coverage for basic and preventative services, 50% for major services.
Annual benefit maximum of $1,500

Employee only = $8.50 per pay
Employee plus children = $13.75 per pay
Family = $19.50 per pay

VISION SERVICE PLAN: (Available after 30 days)

Carrier: Vision Service Plan (VSP)

VSP eye exam every 12 months covered in full from a VSP doctor after $10 co-pay. Single vision, bifocal and trifocal lenses $25 co-pay. $130 towards purchase of frames every 24 months. Contacts at a $105 allowance.

Employee only = $4.10 per pay
Employee & Spouse = $6.67 per pay
Employee & children = $6.83 per pay
Employee & Family = $10.60 per pay

LIFE INSURANCE BENEFIT: (Available after 90 days)

Employee Life Coverage through Unum Provident, with two options:

Basic Life: 1X annual earnings to a maximum of $500,000 at no cost to the employee.
Optional Life: 2X annual earnings, cost determined by employee annual earning.
Dependent Life: (Available after 30 days) Dependent life coverage through Unum Provident for legal spouse and dependent children only.

Life-Spouse Coverage = $25,000
Life-Dependent Child(ren) = $10,000
Cost = $4.52 per pay

SHORT TERM DISABILITY: (Available after 30 days)

STD coverage through Unum Provident.
Cost = $1.44 per $100 of monthly covered payroll.

LONG TERM DISABILITY: (Available after 30 days)

LTD coverage through Unum Provident available to employee only and calculated by rate of pay and age.

RETIREMENT PLAN (401-K)

(Available after 45 days of hire for F/T employees and after 1,000 hours worked within a calendar year for P/T and PRN employees)
Retirement plan through Prudential Financial with automatic enrollment of 4% once required days or hours worked are met.

Employee Contributions:
Pre-tax contributions - Through payroll deduction, you may choose to make pre-tax contributions from 1% to 25% of your eligible pay. For calendar year 2007, the federal maximum before-tax contribution limit is $15,000. This limit may apply to all of your pre-tax contributions, including any you may have made to a retirement savings plan of another employer during the calendar year. This dollar limit is adjusted periodically for inflation. In addition, participants who reach age 50 or more during the calendar year may make "catch-up" contributions to the plan up to $5,000.

AFLAC: (Available after 30 days)

FLEXIBLE SPENDING ACCOUNT:
Cost: Medical account and dependent care accounts available; requested annual amount divided by 26 pay periodS within the calendar year.

MEDICAL ACCOUNT:
Annual amount is limited to $5,000

DEPENDENT CARE ACCOUNT:
Annual amount is limited to $5,000 or if married, but filing separate tax returns, limit is $2,500.

CANCER PROTECTOR COST:

Employee Only = $16.85Employee & Spouse = $28.80
Employee & Children = $20.63
Employee & Family = $28.80

ACCIDENT PROTECTION COST:

Employee only = $9.83
Employee & Spouse = $13.15
Employee & Children = $14.31
Employee & Family = $17.68

VACATION SELL BACK/CASH OUT:
All eligible employees (management and non-management) have the opportunity to receive pay in lieu of time off for a portion of earned vacation time on a quarterly basis. Eligible employees may "cash out" (sell back) unused vacation hours four (4) times per calendar year during the months of January, April, July and October or as permitted by Administration.

Full-time employees may sell back up to eighty (80) hours total per calendar year of vacation time. Employee must maintain a minimum balance of 40 hours vacation time.
Part-time employees may sell back up to forty (40) hours total per calendar year of vacation time. Employee must maintain a minimum balance of 20 hours of vacation time.

REWARDS AND RECOGNITION FOR CONSISTENT ATTENDANCE:
Eligible employees (i.e. non-benefited employees are not eligible) that do not use any accrued sick pay from their bank or have not had any unscheduled time off will be rewarded for consistent attendance twice a year. Such reward shall be the payout upon employee written request for the personal day hour's equivalent. The following schedule will be available as an equivalent payout of employee's personal day bank for six (6) months of consistent attendance as follows:

Full Time Employees - 8 hours for the 6 months from November through April
Full Time Employees - 4 hours for the 6 months from May through October
Part Time Employees - 4 hours for the 6 months from November through April
Part Time Employees - 2 hours for the 6 months from May through October

Please note that the above benefit information may vary dependent upon employee status.