2018 BenefitsBooklet Cover-02

WHAT’S INSIDE?

Dear Valued HOMB/Centennial Bank Employees, As you know, over the past few years there have been many changes in our country’s healthcare system. Cost of care continues to rise, and uncertainty remains in the market. Home BancShares, Inc. (HOMB)/Centennial Bank understands how important your healthcare is to you, and, as such, it is our goal to provide you with the best data, information, and quality benefit options to assist you and your family in making informed decisions. In 2018, we will once again offer two High Deductible Health Plans (HDHP), and one traditional plan. We will also continue to sponsor a Health Savings Account (HSA) and Flexible Spending Account (FSA). Employees who participate in a HDHP can take advantage of a Health Savings Account (HSA), while a Flexible Spending Account (FSA) is available to employees on any Medical Plan. This will be our third consecutive year to offer the high deductible plans associated with a HSA. Based on an analysis of our internal two-year historical data, we believe that these plans could offer you a better overall benefit package; are, generally speaking, the “future” of healthcare plans; and are worthy of your review and consideration. To find out if a HDHP is the right choice for you, please attend a webinar, contact your Compass Health Pro, or reach out to a Human Resources representative. Finally, we know that in these changing times, selecting the right healthcare plan for you or making changes to the traditional plan is daunting. We are here to assist you and will continue to evaluate our plans annually to ensure you have the best products available. We appreciate your dedication and commitment; together we will continue the success of HOMB.

Tracy French President, CEO Centennial Bank

2018 CENTENNIAL BANK 2

DISCLAIMER: This is not a summary plan description (SPD). This is a brief summary of your benefits. It does not guarantee benefits. Refer to your coverage booklets and policies for complete details regarding covered charges, exclusions and plan payments.

Introduction page 2

Terms to Know page 3

Medical & Prescription page 4

Compass page 5

Teladoc page 6

Dental page 7

The Delta Difference page 8

Vision page 9

Life & AD&D page 10

STD & LTD page 11

HSA page 12

FSA page 13

Supplemental Benefits page 14-15

Supplemental Rates page 16-17

Resources page 18

TERMS TO KNOW



BEFORE WE BEGIN: QUICK TERMS TO KNOW Benefits jargon can be confusing. Before we begin, review these terms so you can better understand your options. High Deductible Health Plan (HDHP) – Also may be called a Consumer Driven Health Plan. All medical and pharmacy claims apply to the applicable deductible and coinsurance, with annual preventive exams and screenings covered at 100%. Point of Service (POS) Plan – A medical plan designed to give you the freedom to see providers both in- and out-of-network and see specialists without referral, and no need to choose a primary care physician. There is an annual deductible, but once the deductible is satisfied, the plan begins paying its share of covered services. You will also have office visit and prescription copays that accumulate to annual out of pocket maximum. Deductible – The amount of money you must pay each year to cover your medical care expenses before the Plan starts paying. Deductibles do not apply where a copay is noted. Your deductibles start over on January 1 each year. Out-of-Pocket Maximum – The maximum amount you will spend out of your own pocket for eligible healthcare expenses while covered under the Plan. Not all expenses count toward the out-of-pocket maximum, including:

• Premium deductions from your paycheck • Balance bills from out-of-network

providers • Non-covered benefits

Premiums - the amount of money you pay on a regular basis to have coverage—are typically low in an HDHP. The trade-off is that you may pay more out of your pocket when you need care (until you reach that high deductible). But, using a Health Savings Account can help you lower your expenses by allowing you to use money that isn’t taxed. Step Therapy - The patient begins medication for a medical condition with the most cost-effective drug therapy and progresses to other more costly or risky therapies only if necessary. Quantity Limit - For safety and cost reasons, plans may set quantity limits on the amount of drugs they cover over a certain period of time. Prior Authorization - PA is a technique for minimizing costs, wherein benefits are only paid if the medical care has been pre-approved by the insurance company.

MEDICAL & PRESCRIPTION DRUG


WHO’S IN NETWORK? • Visit www.healthadvantage-hmo.com or call 1-800-843-1329 to search for an In-Network provider or pharmacy.

Medical Benefits In-Network HDHP 503 Plan HDHP Embedded Plan POS Plan

Annual Deductible Individual Family

$3,000 $6,000

$3,000 $6,000

$5,000

$10,000

Coinsurance (your responsibility) 0% 20% 0%

Annual Out of Pocket Max Individual Family

$3,000 $6,000

$5,000

$10,000

$5,000

$10,000

Physician Services & Diagnostics Primary Care Physician Visit Specialist Care Visit

0% after deductible met 0% after deductible met


$35 $50

Wellness Services 0% 0% 0%

Emergency Room Services Emergency Services Ambulance Services

0% after deductible met 0% after deductible met (Max per trip: Ground

$1,000; Air $5,000)


(Max per trip: Ground $1,000; Air $5,000)

$100 + 20% coinsurance 50% coinsurance (Max

per trip: Ground $1,000; Air $5,000)

Inpatient/Outpatient Services Inpatient Services Outpatient Services



$200 + deductible $100 + deductible

Rx Benefits In-Network (Retail)

HDHP 503 Plan HDHP Embedded Plan POS Plan

Generic Preferred Brand Non-preferred Brand

0% after deductible met 0% after deductible met 0% after deductible met

20% after deductible met 20% after deductible met 20% after deductible met

$15 $50 $70

Your Cost (includes Medical & Rx) Per Pay Period (24) HDHP 503 Plan HDHP Embedded Plan POS Plan

Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

$95.70 $210.70 $155.70 $275.70

$75.70 $180.70 $140.70 $240.70

$175.70 $340.70 $260.70 $475.70

NOTE: If the individual premium contribution exceeds 9.56% of your annual gross income, please contact Human Resources to discuss your medical plan option.

Compass Professional Health Services Contact Compass to point you in the right direction for your healthcare needs.

No matter how complex or simple, we all have healthcare needs. From finding a doctor to solving a billing problem, getting straight answers can seem impossible at times. But you’re in luck. Centennial Bank has hired Compass to serve as your personal healthcare advisor at NO COST to you.

Note: This service is available to employees and their families enrolled in the medical plan.

Bryan Frias 800.513.1667 x 733 [email protected]

Contact your Health Pro today!

After my baby boy was born, I wanted to check all the different bills and charges to make sure I wasn’t being overcharged. There was absolutely no time, so I called my Health Pro and they found several mistakes. They worked everything out between the hospital and the insurance company, and I saved $500.

-Trina 26

When I hurt my knee, my doctor told me I needed an MRI. Luckily I used Compass to check prices first because the hospital was going to charge me $1000 more than the imaging center across from my office. Compass also recommended a surgeon to perform the procedure, and he had the best bedside manner of any doctor I’ve been to.

-Jerry 51

Member Portal: https://member.compassphs.com/


https://member.compassphs.com/#!/landing

TELADOC



You have access to a service—Teladoc—which gives you access to a U.S. board certified physician by phone, video or mobile app, 24/7/365. No appointment is necessary, and doctors are available whenever you get sick or have questions—which usually happens in the middle of the night…or on a weekend...or when you’re away from home...or when your schedule is packed…or when your doctor isn’t exactly next door! Whatever the situation, Teladoc makes it easy!

Here is how it works: Teladoc puts you in touch with a U.S. board-certified doctor by phone or video—any time of day or night! There

will be a $45 fee for General Medical issues and $75 fee to visit with a Dermatologist. It’s so simple! When you need Teladoc, just follow these steps:

1 2 3 4 Set Up Your Account Provide your medical history and establish an online profile at Teladoc.com. Do this now so there’s no delay when you need care. It’s confidential and secure—and you only need to do it once.

Request an Appointment Visit www.Teladoc.com or call 1-800-Teledoc. Important Note: Your first visit must be by video. All future visits can be by phone or video.

Talk to the doctor! (Video chats are especially helpful for sore throats, rashes, pink eye, etc.) The doctor will listen, diagnose and submit a prescription to your local pharmacy if necessary (and allowed in your state).

Pick up the prescription if needed. Get well!

http://www.teladoc.com/

DENTAL


THINGS TO THINK ABOUT • The mouth is more than just teeth – more than 120 signs and symptoms

of non-dental disease can now be detected through a routine oral exam!

• By maintaining good oral health, you can help take care of your overall health.

Delta Dental PPO Plus Premier Plan PPO or Premier Network Deductible (Calendar Year) $75 Per Person; Max $225 Per Family

Preventive Services Cleaning, Exam, X-Rays Fluoride Treatment (dependent to 19) Sealants (for dependent to age 16)

100% Covered

(Deductible Does NOT Apply)

Basic Services Simple Extractions Endodontics (root canal) Fillings Oral Surgery

80% Covered (After Deductible)

Major Services Periodontics Surgery (gum disease) Dentures Crowns Bridges

50% Covered

(After Deductible) 12-Month Wait for Late Entrants

Orthodontic Services (dependent to age 19) 50% (After Deductible) $1,000 Lifetime Maximum

Annual Maximum $1,250 Per Person

Your Cost Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

Per Pay Period (24) $7.29

$14.49 $16.58 $20.91

Delta Dental of Arkansas is proud to offer you quality dental insurance, and we hope you will take advantage of your benefits to receive the best care possible for your smile. For more information about your dental insurance plan, contact Delta Dental Customer Service at 1-800-462-5410.

SAVE MONEY Delta Dental has the largest network of dentists across the nation, which means you will find quality care wherever you are. While you are free to see the dentist of your choice, it works to your advantage to choose a dentist from one of the two Delta Dental networks: Delta Dental Premier and Delta Dental PPO. To obtain the deepest discounts and the least amount of out-of-pocket expenses, choose a dentist from the Delta Dental PPO network.

LOCATE A DENTIST Locate a participating dentist near you, by visiting http://www.deltadentalar.com to use the online directory. The directory will create a list of dental offices that match your search and will also provide maps and directions to a selected office.

INCREASE YOUR ANNUAL MAXIMUM Delta Dental’s Carryover Benefit allows you to carryover a portion of your unused benefits each year giving you the opportunity to grow your coverage. If you need a procedure that costs more than your annual maximum, you can pay the difference with carryover benefits. You will qualify to carryover $312.50 or 25% of your annual maximum each year if you meet the following requirements:

You must submit at least one claim for covered services during the calendar year.

Your paid claims must be less than half ($624) of your annual maximum ($1,250) for the Accumulation Year.

The amount accumulated under the Carryover Benefit cannot exceed the amount of the member’s annual maximum ($1,250).

Through evidence based dentistry, Delta Dental encourages patients to receive the dental care that is most appropriate for certain medical conditions. For covered members with diabetes, heart disease, have a history of periodontal disease or who are pregnant, Delta Dental will cover up to four routine cleanings or periodontal maintenance procedures per year. The additional benefits may not be combined for patients with more than one of the above conditions.

ADDED BENEFITS

THE DELTA DENTAL DIFFERENCE


http://www.deltadentalar.com/

VISION

THINGS TO THINK ABOUT • How many people in your family will take advantage of vision benefits?

• Do you, or someone in your family, wear glasses or contacts?


DID YOU KNOW?

You can find a vision provider by visiting https://www.superiorvision.com/Member/locate_provider.

You can also call Customer Service at 1-800-507-3800 for further help.

Superior Vision In-Network Out of Network Reimbursement Exam Copay $15 Up to $42 (Ophthalmologist); $36 (Optometrist) Materials Copay Contact Lens Fitting

$15 $30

Not covered Not covered

Lenses (standard) per pair: Single vision 100% covered Up to $28 Bifocal 100% covered Up to $42 Trifocal 100% covered Up to $56 Contact Lenses $150 retail allowance Up to $100 retail

Frames $150 retail allowance Up to $70 retail

Refractive Surgery (LASIK) 15%-50% discount Not covered

Service Frequency Exam 12 Months Lenses 12 Months Frames 12 Months Contact Lenses & Fitting 12 Months

Your Cost Per Pay Period (24) Employee Only Employee + Spouse Employee + Child(ren) Family

$3.84 $7.68 $7.29

$12.88

https://www.superiorvision.com/Member/locate_provider

LIFE/AD&D INSURANCE

BENEFICIARY It is IMPORTANT that you check to be sure your

beneficiaries are up to date.

EMPLOYEE LIFE/AD&D All active benefit eligible employees will be eligible to enroll in the employee life and AD&D plan with Principal. Your costs are covered by Centennial Bank. If you earn less than $84,000, your benefit is 3 times your annual salary up to $250,000. Your AD&D benefit is equal to your life insurance benefit. If you earn $84,000 or more, your benefit is 3 times your annual salary up to $850,000. Your AD&D benefit is equal to your life insurance benefit. If you are age 65 or older your benefits will be reduced to the percentage of your original amount in the table below.

Age of Employee Percentage 65 but less than 70 65% 70 but less than 75 50%

75 and over 35% WHAT IS AD&D? Accidental Death and Dismemberment (AD&D) insurance provides a specified benefit for a covered accidental bodily injury that directly causes dismemberment (the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable.

VOLUNTARY TERM LIFE & DEPENDENT LIFE You may elect additional life insurance in $10,000 increments, not exceeding the lesser 7 times your annual earnings or $500,000. Your spouse may be insured in $5,000 increments not to exceed $250,000. Your eligible dependent children may be insured for $1,000, up to 14 days of age. Eligible dependent children may be insured for $10,000 once they reach 15 days of age.



DISABILITY INSURANCE

Why is it important? • According to the Social Security Administration, 30% of Americans in the workforce today will become disabled for 3

months or more during their working career - mostly due to back injuries, cancer, heart disease and other illnesses. • It’s not enough to rely on Social Security; 64% of all initial claims are denied and even if it’s approved the amount may

not be enough to cover your monthly expenses. • 90% of disabling events don’t occur on the job.

What is STD Insurance? Short Term Disability Insurance helps protect your income for a short duration. If you become disabled and are unable to work, disability insurance can help replace some of your lost income, help you pay bills and protect your long-term savings.

What is LTD Insurance? Long Term Disability Insurance benefits are intended to protect your income for a long duration after you have depleted short-term disability or available paid time off. LTD will take effect if your accident or illness prevents you from returning to work beyond 90 days or whenever your STD benefits end. Centennial Bank automatically enrolls you in LTD coverage at no cost to you. However, if you have a pre-existing condition (you incurred expenses, took prescription drugs, received medical treatment, etc.) during the 3 months just prior to your effective date of insurance, benefits will not be payable for that disability until you have been covered under this plan for 12 consecutive months.

How do these benefits work? Short Term Disability benefits begin on the 8th calendar day for an accident or illness. Your benefits will pay 60% of your pre-disability earnings to a maximum of $2,500 per week and you may receive this benefit for up to 13 weeks after a one week waiting period. Long Term Disability benefits for those earning less than $300,000 will pay 66 2/3% of your pre-disability earnings but no more than $10,000 per month. Long Term Disability benefits for those earning $300,000 or more will pay 66 2/3% of your pre-disability earnings but no more than $15,000 per month.

Your LTD benefits are payable for the period during which you continue to meet the definition of disability and if necessary, may continue to your social security normal retirement age. NOTE: Other income sources such as Social Security disability, retirement benefits, pension, etc. may reduce your benefits under this plan. Please see your benefit summary for details regarding the effects of other income.


HEALTH SAVINGS ACCOUNT What is a Health Savings Account (HSA)?

• HSAs are special accounts available to individuals enrolled in a High Deductible Health Plan.• HSAs allow you to set aside money that is not taxed, and then use that money to pay for health related expenses.• Qualified expenses must be incurred to maintain the health of the accountholder or the accountholder’s spouse or

dependents, such as:o Doctor & hospital visitso Dental care (including braces & dentures)o Vision care (including glasses & contacts)

*A complete list is available at http://www.irs.gov/pub/irs-pdf/p502.pdf

Who is eligible for a HSA Account? Individuals who are covered by a HSA-compatible health plan are qualified if they are:

• Not covered by any other non HSA-compatible health plan.• Not claimed as a dependent on another person’s tax return (excluding spouses per Internal Revenue Code).• Not enrolled in Medicare A or B (once your eligible for Medicare you cannot contribute to an HSA but you can still be

enrolled in the HDHP).

How can you benefit from tax savings? An HSA provides triple tax savings by reducing your Federal, State and FICA taxes. Here’s how:

• Contributions to your HSA can be made with pre-tax dollars, which reduces your taxable income.• After-tax contributions that you make to your HSA are tax deductible.• HSA funds earn interest tax free, and when used for eligible healthcare expenses are also free from tax.

Contributions to your HSA Account Maximum total contributions for 2018 are $3,450 for individuals and $6,900 for those with dependent coverage. These amounts include the contributions made by the Bank. An additional $1,000 may be contributed by anyone over the age of 55, beginning the month the individual turns 55.


FLEXIBLE SPENDING ACCOUNT Things to Think about

• How can I save money with a FSA? • Traditional Health & Dependent Care Expenses • Third Party Insurance

Third Party Insurance Third Party insurance is also offered by Data Path. You can use this account for pre-tax insurance premium reimbursements on non-employer sponsored individual plans. It is recommended that you verify with Data Path that the third party insurance product you are paying is approved under IRS guidelines.

How can I save money with a FSA? Centennial Bank provides you the opportunity to pay for out-of-pocket medical, dental, vision, and dependent care expenses with pre-tax dollars through Flexible Spending Accounts. You must enroll/re-enroll in the plan each year to participate. Contributions to your FSA come out of your paycheck before any taxes are taken out. This means that you don’t pay federal income tax, Social Security taxes, and state and local income taxes on the portion of your paycheck you contribute to your FSA. You should contribute the amount of money you expect to pay out of pocket for eligible expenses for the plan period. The amount you elect for the year will be divided into equal amounts and deducted through your payroll before taxes. Your entire elected amount will be available to you for eligible expenses whenever you need it. Please Note: Over the Counter drugs are no longer eligible for reimbursement without a prescription. Traditional Health Care Expenses The Health FSA may be used to reimburse out-of-pocket medical, dental, and vision expenses incurred by you and your dependents. This includes your insurance deductibles, co-payments, coinsurance and prescription costs. The maximum contribution that you can make toward the FSA for Medical (Out-of-Pocket) Expenses is $2,650. Dependent Care Expenses The Dependent Care FSA may be used to reimburse expenses related to the care of eligible dependents while you and your spouse work. The maximum contribution that you can make toward Dependent Care is $5,000 if you are a single employee or married filing jointly, or $2,500 if you are married and filing separately.


SUPPLEMENTAL INSURANCE

FOR ALL BENEFIT ELIGIBLE EMPLOYEES, THE FOLLOWING SUPPLEMENTAL BENEFITS ARE AVAILABLE FROM ALLSTATE AND GUARDIAN.

ALLSTATE ACCIDENT INSURANCE While major medical coverage is a significant part of your benefit package, an accident can lead to expenses that may not be covered by medical insurance. Allstate Benefits accident insurance is designed to help you with uncovered medical costs, due to a qualified accident, on or off the job. Accident coverage is a portable policy that you can keep if you change jobs or retire, as long as premiums are paid directly to the insurance company. ALLSTATE CRITICAL ILLNESS INSURANCE If you or someone in your family suffers a serious disease, you can face immediate medical expenses and reduced income from being out of work. Health benefits will pay part of the medical bills and disability income protection coverage will help ensure a continuing income. However, many immediate expenses may not be covered. Critical Illness pays you a lump sum benefit at the first diagnosis of a covered illness, such as:

• Heart attack • Stroke • Organ transplant • End-stage renal failure • Advanced Alzheimer’s Disease • Coma • Paralysis

GUARDIAN CANCER INSURANCE The Guardian Cancer Plan offers benefit eligible employees over the age of 18 an opportunity to elect this coverage on Guarantee Issue basis. Cancer insurance pays benefits directly to you to help you pay for cancer-related expenses that health insurance might not cover. The coverage is portable. Plan benefits include coverage for the following and more:

• Hospital confinement • Radiation/Chemotherapy • Surgery and anesthesia • Inpatient drugs and medicine • Family member lodging • Physical or speech therapy • Wellness benefits


SUPPLEMENTAL INSURANCE Legal & Identity Theft

LEGALSHIELD Unexpected legal questions arise every day. With LegalShield on your side, you’ll have access to a quality law firm 24/7, for covered personal situations. From real estate to speeding tickets to will preparation, and beyond, LegalShield is here to help you with any personal legal matter—no matter how traumatic or how trivial it may seem. LegalShield’s dedicated law firms are prepaid and their sole focus is on serving you, rather than billing you. With LegalShield, you have access to an attorney 24/7 that you may speak with concerning any legal matter without worrying about hourly costs. The following benefits are covered and more:

• Legal advice & counsel • Letters and phone calls on your behalf • Contract and document review • Separation and divorce representation • Trial defense services • Will preparation • Motor vehicle services • IRS Audit legal services

IDSHIELD Identity theft has been one of the top consumer complaint filed with the FTC for 16 years straight. Identity theft victims spend an exorbitant amount of time and money dealing with it and criminals are getting smarter. IDShield’s Licensed Private Investigators will do whatever it takes to restore your identity to its pre-theft status. IDShield offers the following benefits and more:

• Identity consultation services • Privacy monitoring • Security monitoring • Credit monitoring and inquiry alerts • Credit score tracking • Identity restoration

Cancer

Your Cost Per Pay Period (24)

Employee Only $14.19 Employee + Spouse $22.77 Employee + Child(ren) $17.44 Family $26.02

Accident


Employee Only $7.76 Employee + Spouse $14.44 Employee + Child(ren) $15.93 Family $19.64

Critical Illness


Legal Shield


Arkansas/Alabama/New Jersey/Connecticut/California Residents

Employee ID Shield $4.48 Employee Legal Shield $8.48 Family ID Shield $9.48 Family Legal Shield $9.48 Employee ID & Legal Shield $12.95 Family ID & Legal Shield $16.95

Florida and New York Residents

Employee ID Shield $4.48 Legal Shield (Employee/ $7.98 Family)

Family ID Shield $9.48 Employee ID & Legal Shield $12.45 Family ID & Legal Shield $15.45

Short-term Disability

SAMPLE EQUATION FOR SHORT-TERM DISABILITY RATES: STEP ONE: (Current Annual Salary) / 52 x 0.60 = Your weekly benefit (rounded up to the next whole dollar, with a maximum of $2,500.00)

STEP TWO: (Rounded weekly benefit) x 0.028 x 12 / 24 = Cost per pay period


Keep these things in mind as you have changes in your life. The choices you make during Open Enrollment remain in effect until the next open enrollment period. You cannot change coverage for yourself, or add or drop dependents during the year, unless you have a qualifying event. If you need to make changes to your or any of your dependents’ benefits throughout the year, you must do so within 30 days of the event. You can make changes by contacting your local HR Representative. Examples of family status changes that allow you to change some of your benefits during the year include marriage or divorce, death of your dependent child or spouse, or a change in employment status that results in a coverage change for you or a dependent.

RESOURCES Medical Health Advantage Group # 781225 (HDHP 503) / 772871 (POS) 781254 (HDHP Embedded) Phone: 800-843-1329 Website: www.healthadvantage-hmo.com

Pharmacy Health Advantage Group # 781225 (HDHP 503) / 772871 (POS) 781254 (HDHP Embedded) Phone: 800-843-1329 Website: www.healthadvantage-hmo.com Dental Delta Dental Group # 4742 Phone: 800-462-5410 Website: www.deltadentalar.com


Vision Superior Vision Group # 34186 Phone: 866-507-3800 Website: www.superiorvision.com

Life & Disability Principal Group # 1039119 Phone: 800-986-3343 Website: www.principal.com FSA/HSA/COBRA

Datapath Phone: 877-685-0655 Website: http://datapathadmin.com/

If you need additional help, contact: Human Resources Department

Phone: 501-328-4732 Email: [email protected]

CHANGES & RESOURCES

Arlene Lovelace SVP, Human Resources Director Phone: 501-328-4618 Email: [email protected]

Robin Hoelscher AVP, Assistant Human Resources Director Phone: 501-328-4758 Email: [email protected]

Katie Austin Benefits Administrator Phone: 501-328-4749 Email: [email protected] Susan Hilden Benefits Specialist, II Phone: 501-205-7976 Email: [email protected] April Biggs

Human Resources Administrator Phone: 870-215-4869 Email: [email protected]

Candace Hicks Human Resources Compliance Officer Phone: 850-926-6603 Email: [email protected]

Jamie Elliott Sr. Payroll Practitioner Phone: 501-328-4816 Email: [email protected] Shay Brown Sr. Payroll Technician Phone: 501-328-4617 Email: [email protected]

To view available benefits, plan documents, and life event

checklists online: www.my100benefits.com

Vidiya Samaroo Human Resources Administrator Phone: 954-315-5514 Email: [email protected]

http://www.healthadvantage-hmo.com/

http://www.healthadvantage-hmo.com/

http://www.deltadentalar.com/

http://www.superiorvision.com/

http://www.principal.com/

http://datapathadmin.com/

mailto:[email protected]









Documents

2018 BenefitsBooklet Cover-02