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Welcome to Your Fotokem Employee Benefits!

This guide provides a summary of your benefit op ons and is designed to help you make choices and enroll for coverage. If you
would like more informa on about any of the benefits described here, please contact:

Contents

Important Informa on ………………………………………… 2 Employee Assistance Program ……………………………. 11

Enrollment Informa on ……………………………………….. 3 Life and AD&D Insurance …………………………………... 12
Online Benefits Enrollment ………………………………….. 4 Disability Insurance ………………………………………….... 12

Medical Insurance ……………………………………………….. 5 Flexible Spending Accounts ………………………………… 13
Health Advocate ………………………………………………….. 10 Voluntary Benefits ………………………………………………. 13

Dental Insurance …………………………………………………. 10 Resources and Contacts ….………………………………….. 14
Vision Insurance ………………………………………………….. 11 Employee Contribu ons ……………………………………... 15

Important Information

The Affordable Care Act and You

The Affordable Care Act (ACA) requires nearly every American to be enrolled in medical coverage or pay a penalty. This is referred
to as the individual mandate. You have several op ons to sa sfy this requirement:
 Enroll in a medical plan offered by FotoKem or another group plan
 Purchase coverage through a health insurance marketplace
 Enroll in coverage through a government sponsored program
 Have no coverage and incur a tax penalty

Because FotoKem’s medical plans are considered affordable and meet minimum value under Health Care Reform, you will not gener-
ally see lower premiums or out-of-pocket costs through the marketplace. In addition, employer contributions to your medical bene-
fits will be lost if you choose to purchase coverage through the marketplace, and your portion of medical premiums will no longer
be paid via payroll deduc ons on a pre-tax basis.

For more informa on on your coverage op ons, please visit www.healthcare.gov.

Annual Notices

ERISA and various other state and federal laws require that employers provide disclosure and annual no ces to their plan par ci-
pants. FotoKem has posted all federally required annual no ces on our ADP Portal for you to download and read at your conven-
ience. ADP login informa on is located on page 4 of this guide.
The following is a list of the annual no ces:
 Medicare Part D No ce of Creditable Coverage
 HIPAA No ce of Privacy Prac ces
 Women's Health and Cancer Rights Act (WHCRA)
 Newborns’ and Mothers’ Health Protec on Act
 Special Enrollment Rights
 Medicaid & Children’s Health Insurance Program

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