2016 GROUP INSURANCE ENROLLMENT DECISION GUIDE

Texas

Plan Year

January 1, 2016 thru

December 31, 2016

Welcome to Open Enrollment!

Our employees are our most valuable asset.

That’s why at Ag-Pro Texas we are committed to a comprehensive employee benefit program that helps our employees stay healthy, feel secure and maintain a work/life balance.Stay Healthy

• Medical • Dental Care• Vision Care

Feeling Secure

• Disability Insurance• Life Insurance• Supplemental Insurance

Making Your Group Benefit Elections for the 2016 Plan Year For technical assistance in making your 2016 Elections online, call Big Oak Benefits Group at 229-227-0775 (Ext. 2 or 0) or the Human Resource department (229-226-0509).

When will my coverage become effective? All new group insurance coverage will be effective January 1st, 2016.

When should I enroll in coverage? Your online enrollment needs to be completed by noon on Friday, December 18th. We have pre-selected your current benefit elections into the new plans on the online enrollment system for your approval. However, due to differences in cost and benefits you must login as shown later in this guide, review your selections and confirm your desired coverage for 2016. If you need assistance, please refer to the contact information in the back of this guide.

How to Make Your 2016 Elections? • Directions to enroll online are available in the back of this handbook

• You must first register and set up a password before making your elections

• Once you begin the online enrollment you will:

- Verify your address and dependents including social security numbers. - Verify coverages desired for 2016 - Designate each family member’s Primary Care Physician if electing medical coverage - Designate beneficiaries for Basic Life and Voluntary Life (if elected) - Confirm your enrollments upon completion

What changes may be made outside of my New Hire Enrollment?

Insurance plan elections may only be changed during the annual Open Enrollment (effective January 1st) unless there is a qualifying change in status during the Plan Year. You must notify the HR Department within 30 days of a qualifying event that occurs outside of Open Enrollment if you want to make changes. A list of Qualifying events may be found on the homepage when you login to the Employee Benefit home page as described later in this guide.

Is Evidence of Insurability required for Coverage?

During this year’s Open Enrollment all coverages are guaranteed issue regardless of health. Some plans do have limited benefits for a period of time for Pre-existing conditions (please refer to each plan’s online benefit summary for details). At future Open Enrollments some plans will require Evidence of Insurability for acceptance.

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Medical Insurance

For 2016 Ag-Pro Texas will offer a new medical plan underwritten by United Healthcare called UnitedHealthcare Navigate. UnitedHealthcare Navigate plans offer comprehensive patient-centered health care benefits. Members will choose a primary care physician (PCP) as their trusted partner in health care who also grants referrals for specialists’ needs.

The plan offers network coverage for members who obtain a referral from their primary care physician prior to seeing another physician or specialist in the network. No coverage is provided without a referral, except for visits to an OB/GYN, convenience care clinic, behavioral health/substance abuse disorder clinicians or urgent care center. Non-network coverage is not available, except in the event of an emergency.

While enrolling online for benefits, you will select your primary care physician from the Navigate network. Primary care physicians can be general practitioners, family practitioners, internists or pediatricians. Each family member can choose a different PCP. You may change your PCP at any time of the year by contacting United Healthcare. All heath plan ID cards will have your PCP listed on the card.

Instructions for locating a PCP in your area are included in your packet and posted on the www.myagprotexasbenefits.com website. Please refer to these instructions while completing your enrollment online.

The following page outlines the benefits for your 2016 medical plan. A more detailed benefit summary is included in the Open Enrollment packet for your convenience.

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Medical Insurance

2016 UnitedHealthcare Navigate Summary

Deductible $1,000

Coinsurance % None

Primary Care Office Visit $0 Under Age 19, $15 All others

Specialist Office Visit $45 Copay with Primary Care referral

Out-Patient Hospital $250 Copay + Deductible

In-Patient Hospital $250 Copay + Deductible

Lab / X-ray Deductible

Major Diagnostics $500 Copay

Emergency Room $650 Copay

Urgent Care $50 Copay

Prescription Copays $15 / $45 / $85

Out of Pocket Maximum including Copays

$3,000

Bi-weekly Payroll Deductions

Employee $15.00

Ee + Spouse $299.82

Ee + Children $241.13

Ee + Family $448.26

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Dental Insurance

Most people will utilize their dental plan at least twice a year; it is designed to minimize your out-of-pocket expenses related to good oral care. This is a voluntary plan offered by Guardian.

Premier Plan

Preventive Care Plan pays 100% for two cleanings per year, x-rays and more. No deductible.

Basic Services The plan pays 80% for most services, including fillings, simple extractions, and anesthesia

Major Services The plan pays 50% for crowns, bridges, root canal, and Periodontic surgery

Orthodontia 50% up to $1,000 for children

Deductible $50 once per year for Basic or Major Services

Calendar Year Maximum Benefit

$1,000 per person

Rollover Benefit $250 per year

Annual Maximum with Rollover Benefit

$2,000 per person

Employee Rate $12.01 bi-weekly

Employee + Spouse $23.91 bi-weekly

Employee + Child(ren) $31.13 bi-weekly

Employee + Family $44.24 bi-weekly

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Basic Life Insurance

Your Guardian group life plan helps provide financial security for your beneficiaries if you die while an employee of Ag-Pro Texas. Your beneficiaries will receive the amount specified below.

• $15,000 death benefit• Additional $15,000 for accidental death• The plan is paid for entirely by the Ag-Pro Texas.

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Voluntary Life Insurance

This is a voluntary plan in which you may elect to purchase additional life insurance coverage on yourself, your spouse and your children. This is term insurance: the premiums are low and the plan is portable. Coverage is insured by GuardianEmployee• You may elect to purchase life insurance in increments of $25,000 up to

the maximum of $150,000. • Employee Guaranteed Issue: At your new hire and open enrollment only,

you may elect up to $150,000 of life insurance with no health questions.Spouse• Your spouse is eligible for 50% of the Employee benefit up to $50,000.• Spouse Guaranteed Issue: At your new hire and open enrollment only,

the first $50,000 is guaranteed issue.Children • You may elect 10% of the Employee benefit up to $10,000 coverage per

child. The premium is a flat rate, not per child.

The following are sample Bi-weekly rates for family coverage:

25-29 yr old 35-39 yr old 45-49 yr old 55-59 yr old

Employee $100,000 $3.46 $4.85 $11.91 $29.72

Spouse $50,000 $1.73 $2.42 $5.95 $14.86

Child $10,000 $0.77 $0.77 $0.77 $0.77

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Short Term Disability Income Insurance

If you are enrolled and are unable to work because of an illness or off-the-job injury, this Guardian plan will continue to pay part of your salary. The benefit plan is designed to help protect your financial security while you are unable to work.

The plan pays 60% of your salary, up to a maximum benefit of $1000/week.

• Benefits begin on the 8th day if you are unable to work due to illness or off-the-job injury.

• Maternity is covered.• Benefits are payable for as long as you remain disabled, up to the

maximum of 13 weeks.• This benefit also covers you when you are partially disabled, meaning that

you can work part-time and receive partial benefits.• Because you pay for this plan after-tax, the benefit is tax-free.

Your premium is based on your salary. Sample rates:

$25,000 Annual Salary

$35,000 Annual Salary

$45,000 Annual Salary

$55,000 Annual Salary

$288 Weekly Benefit $404 Weekly Benefit $519 Weekly Benefit $635 Weekly Benefit

$4.25 Bi-weekly $5.97 Bi-weekly $7.67 bi-weekly $9.38 Bi-weekly

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Long Term Disability Income Insurance

If you are enrolled and are unable to work because of an illness or injury, this plan protects your ability to earn a living up to retirement age. The benefit plan is designed to help protect your financial security while you are unable to work in the event of a long term disabling event.

The plan pays 60% of your salary, up to a maximum of $6000 / month.• Benefits begin on the 91st day if you are unable to work due to any injury

or illness.• Benefits are payable for as long as you remain disabled, up to Social

Security retirement age.• This benefit also covers you when you are partially disabled, meaning that

you can work part-time and receive partial benefits.• Because you pay for this plan after-tax, the benefit is tax-free.

Your premium is based on your salary. Sample Bi-weekly rates are shown below:

25-29 yr old 35-39 yr old 45-49 yr old 55-59 yr old

$25,000 Annual Salary$1,250 Monthly Benefit

$2.21 $3.56 $10.67 $18.07

$35,000 Annual Salary$1,750 Monthly Benefit

$3.10 $4.98 $14.94 $25.31

$45,000 Annual Salary$2,250 Monthly Benefit

$3.98 $6.40 $19.21 $32.54

$55,000 Annual Salary$2,750 Monthly Benefit

$4.87 $7.83 $23.48 $39.77

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Vision Insurance

The Guardian Vision plan is designed to help protect your vision by assisting with the costs of eye exams and glasses or contacts. Premiums are pre-tax, saving even more money.

In-Network (Davis Vision PPO)• Eye Exams: the plan pays 100% after your $10 copay. Once per year.

• Lenses: plan pays 100% after your $25 copay. Once per year.

• Frames: $25 copay, plan pays up to $120 + 15%. Once per two years.

• Contacts (Medically necessary): $25 Copay

• Contacts (Elective): $25 copay (formulary), otherwise plan pays $120 + 15% / year

Out-of-Network

You receive reimbursement from the insurer, Guardian.• Eye Exams: the plan reimburses $50 after $10 copay. Once per year.

• Lenses: the plan reimburses $48 for single, $67 for bifocal, $86 for trifocal, $126 for lenticular after $25 copay. Once per year.

• Frames: the plan reimburses $48 after $25 copay. Once per two years.

• Contacts (Medically necessary): pay up to $210 after $25 copay

• Contacts (Elective): the plan reimburses $105 per year.

Employee Rate $3.11 Bi-weekly

Employee + Spouse Rate $5.24 Bi-weekly

Employee + Child(ren) Rate $5.34 Bi-weekly

Employee + Family Rate $8.45 Bi-weekly

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Critical Illness/Cancer Plan

Guardian Critical Illness/Cancer insurance is designed to “supplement” your core benefits such as Medical and Disability insurance. These plans pay the stated benefit regardless of any other coverage and are designed to help you pay out of pocket costs such as deductibles, co-insurance, travel expenses, loss of wages, and/or other non-covered expenses. Lump Sum Benefit• Payable upon first ever diagnosis of Cancer Type 1 (invasive), Heart

Attack, Heart Failure, Kidney Failure, Major Organ Transplant, and Stroke. Additionally, 50% benefit paid on Second Occurrence.

• Pays 75% of benefit for Benign Brain Tumor and 30% of benefit for Carcinoma In Situ and Arteriosclerosis. Second ever occurrence pays 50% of lump sum benefit.

• First Occurrence benefit for Skin Cancer is $250. • Children are covered at no charge.• Spouse is eligible for 50% of Employee coverage.Hospital Admission Benefit• After being Hospitalized two days for any other condition the plan will pay

$250 per day up to 10 days per year. Spouse and Children coverage is $125 per day up to 10 days per year.

Sample Bi-Weekly Rates:

< Age 30

Age 30-39 Age 40-49 Age 50-59 Age 60-69

$10,000 Benefit - Employee $3.53 $4.55 $7.87 $15.29 $27.19

$5,000 Benefit - Spouse $1.67 $2.22 $3.99 $7.95 $14.30

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Accident Plan

Guardian’s accident insurance is designed to help you pay out of pocket costs such as deductibles, co-insurance, travel expenses, loss of wages, and/or other non-covered expenses in the event of an off-the-job accidental injury. The plan pays money directly to you and benefits are paid regardless of other insurance coverage you may have. Partial list of Benefits include:

Accident Emergency Treatment - $175Accident Follow-up Visit - Doctor $50, up to 6 TreatmentsAppliances - $125Chiropractic Visits - $25/visit up to 6 visitsDislocations - Up to $4,400Diagnostic Exam (Major) - $150Emergency Dental Work - $300/Crown, $75/ExtractionFractures - Up to $5,500Hospital Admission - $1,000Hospital Confinement - $225/day up to 1 yearHospital ICU Admission - $2,000Hospital ICU Confinement - $450/day up to 15 daysInitial Physicians Office/Urgent Care visit - $75Lodging - $125/day Occupational or Physical Therapy - $25/day up to 10 daysTransportation - up to $500, 3 times per accidentX-Ray - $30

Employee Only

Employee+Spouse

Employee+Children

Full Family

Bi-Weekly Rates $8.25 $13.54 $13.94 $19.23

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Premium Pre-Tax Plan

The Premium Pre-Tax Plan gives you the opportunity to reduce your taxable income by using before-tax dollars to pay for certain expenses. This saves you money by reducing you taxes.

Premium Pre-Tax PlanAny premium dollars that you have payroll deducted for your Medical, Dental, Vision or Supplemental plans may be “pre-taxed” on your check. This means that the payroll deduction for these benefits avoid Federal and State taxes. Therefore most people will save 21% to 37% in taxes on their insurance premiums.

If you participate in the Premium Pre-tax plan you will be unable to change your insurance plan elections until next year’s Open Enrollment unless you have a qualifying event change as a change in family status.

There is no cost for this plan.

Life and Disability plans are not eligible for the Premium Pre-Tax plan.

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Online Benefits and Open Enrollment Guide

Go to www.myagprotexasbenefits.com and enter the Open Enrollment password “tractor2015”, then click on the arrow..

A copy of your Enrollment Guide and other valuable resources are available through the drop down menu on the home page.

When you are ready to go to the online enrollment system, click on “Click Here to Enroll Now”.

If you are a first time user click on “New User Registration”.

“agpro” is the Company Identifier on the New User Registration and Password Reset.

Once registered, log in to the enrollment system.

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Online Benefits and Open Enrollment Guide

To begin enrollment click on “Start Benefits” in the upper right corner of the Home Page

To view the enrollment system in Spanish click on your name in the upper right corner, then click “Espanol"

For added convenience you may download the

Employee Navigator app for your iPhone or

Android for year round access to your plan

information.

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Contact Information A G - P R O T E X A S H U M A N R E S O U R C E D E P A R T M E N T

Tammy Renfroe HR Generalist TRenfroe@agpro.com 229-226-0509

Debbie Bufford Payroll & Benefits Coordinator DBufford@agpro.com 229-226-0509

Cheryl Briggs HR Generalist CBriggs@agpro.com 229-226-0509

Earl Jones Manager - Human Resources & Risk Management EJones@agproco.com 850-877-5522

B I G O A K B E N E F I T S G R O U P

Account Manager Joy Smith Ph 229-516-1654

Managing Partner Dan Carlton, CFP Ph 229-516-1554

Toll Free 855-680-9747 Ext. 2 or 0

Phone / Fax 229-227-0775, Ext. 2 or 0 Fax - 229-228-0910

Office 116 E Monroe St. Thomasville, GA 31792

Refer to this list when you need to contact one of your benefit vendors:

U N I T E D H E A L T H C A R EM E M B E R S E R V I C E S : 8 6 6 - 2 7 0 - 5 3 1 1S E R V I C E S W E B A D D R E S S : W W W . M Y U H C . C O M

G U A R D I A NM E M B E R S E R V I C E S : 8 0 0 - 6 2 7 - 4 2 0 0S E R V I C E S W E B A D D R E S S : W W W . G U A R D I A N A N Y T I M E . C O M D A V I S V I S I O N P P O N E T W O R K : W W W . D A V I S V I S I O N . C O M / M E M B E R S / 8 0 0 - 9 9 9 - 5 4 3 1 15

The information in this Benefits Summary is presented for illustrative purposes and is based on information provided by the sources. The text contained in this Summary was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Benefits Summary and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this summary, contact Human Resources or Big Oak Benefits Group.

This benefits booklet is arranged by Big Oak Benefits Group.Please contact us with any questions.