Page 3 - Ches User's Guide 2018 v1.5 1-18-18

Contents

Benefit Plans Quick Access Inside Cover
Introduction 2

Medical Plan Options 3

— HIP 4
— Health Savings Account 5

— 80/60 6
— Wellness 7

— Visiting the Doctor, “What to Expect” 8
— Making Health Care Decisions 10

— When It Is Time to Enroll 11

— Teladoc 12
Prescription Benefits 16

Dental Benefits 17
Vision Benefits 18

Flexible Spending Accounts 19
— Medical 19

— Dependent Care 19

Disability 20
— Short-Term Disability 20

— Long-Term Disability 20
Life Insurance 21

— Basic Life and AD&D 21
— Supplemental Life 21

— Supplemental AD&D 21
401(k) 22

Additional Benefits 26
Contacts 27

Making Elections for the First Time 28

Legal Notices 29

2018 ToTal RewaRds Guide 11