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MEDICAL COVERAGE


                                                                                    PPO Plan
                            Plan Provision
                                                                      In-Network               Out-of-Network

          Annual Deductible
                 Individual                                            $1,500                     $3,000
                 Family                                                $3,000                     $6,000

          Out-of-Pocket Maximum (Excludes Deductible)
                 Individual                                            $2,000                     $4,000
                 Family                                                $4,000                     $8,000

          Lifetime Maximum                                                          Unlimited

          Preventive Care                                               100%                 60% after Deductible

          Primary Physician Office Visit                         100% after $20 Copay        60% after Deductible

          Specialist Office Visit                                100% after $20 copay        60% after Deductible


          X-Ray and Lab                                           80% after Deductible       60% after Deductible

          Inpatient Hospital Services                             80% after Deductible       60% after Deductible

          Outpatient Hospital Services                            80% after Deductible       60% after Deductible

          Urgent Care                                            100% after $20 copay        60% after Deductible

          Emergency Room Care                                                  80% after $50 Copay


         Note: This is a summary only of your coverage. In-network services are based on negotiated charges; out-of-network services are based on reasonable and customary
         (R&C) charges.

                                                                            Employee Cost
                      Highmark PPO Plan
                                                                  Monthly                        Bi-Weekly

           Employee Only                                           $40.00                         $18.46

           Employee+ Child(ren)                                   $252.02                         $116.32
           Employee + Spouse                                      $275.90                         $127.34

           Family                                                 $433.20                         $199.93



                                       The above is a summary of this benefit option.


                            Click here for more detailed information on this available benefit option.

        2023 Hickory Crawdads Benefit Guide                                                                    Page 7
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