Health/Vision Benefits
Dental Benefits
Life and Accidental Death and Dismemberment
Disability Insurance
Flexible Spending Accounts
401K Plan

Health/Vision Benefits
HMO Plan: (click here for plan summary)
Cigna HealthCare
Health Maintenance Organization (HMO)
Group Policy #: 3181000
www.cigna.com | (800) CIGNA24

Premiums payable through weekly payroll deductions on a pre-tax basis:
Individual: $44.00 per week
Employee + One: $87.00 per week
Family: $132.00 per week 

HMO Plus Plan: (click here for plan summary)
Cigna HealthCare
Health Maintenance Organization (HMO)
Group Policy #: 3181000
www.cigna.com | (800) CIGNA24

Premiums payable through weekly payroll deductions on a pre-tax basis:
Individual: $55.00 per week
Employee + One: $106.00 per week
Family: $171.00 per week

Please note: The HMO Plans are NOT available in IA, MN, ND, SD, NE, WY, MT, ID, AK & HI.

PPO Plan: (click here for plan summary)
Cigna HealthCare
Preferred Provider Organization (PPO)
Group Policy #: 3181000
www.cigna.com | (800) CIGNA24

Premiums payable through weekly payroll deductions on a pre-tax basis:
Individual: $72.00 per week
Employee + One: $122.00 per week
Family: $190.00 per week

Please note: Our PPO Policy contains a pre-existing condition clause, which may be waived if the insured can satisfy certain criteria. Please refer to the Summary Plan Description or contact Human Resources for details.

Eligibility for HMO & PPO Plans:
Eligibility for the HMO and PPO Plans is the first of the month following 4 consecutive weeks of service while working an average of 24 hours per week. Eligible employees have a choice between the two plans depending on where they live and work. You have 31 days from your eligibility date to make your election. If you do not apply for coverage within 31 days you will not be eligible to apply for coverage again until our open enrollment period, which is the month of July or within 31 days of a "change in family status". Regardless of when during the 31 day enrollment period you make your election, your coverage will be effective retroactively to the first of the month in which you were eligible to join. All back premiums will automatically be deducted from your paycheck.

For alternate individual and portable long and short term insurance plan options, we are pleased to refer you to Eisenberg Associates. Eisenberg Associates can be reached via telephone at (800) 777-5765. Eisenberg Associates is not affiliated with Clinical One; we refer you to them as a service, and they have no waiting period.

Help Finding a Doctor in the Network: If you need help finding a doctor or hospital in the One Health Plan network you can contact a Member Services representative at: (800) CIGNA24 for either the HMO Network or PPO Network. You can also search for a provider online at www.cigna.com.

Dental Benefits (click here for plan summary)
Cigna HealthCare Group Policy #: 3181000
www.cigna.com | (888) DENTAL8

Premiums payable through weekly payroll deductions on a pre-tax basis:
Individual: $ 10.00 per week
Employee + One: $ 14.00 per week
Family: $ 19.00 per week

Eligibility for Dental Plan:
Eligibility is the first of the month following 4 consecutive weeks of service while working an average of 24 hours per week. You can enroll in the dental plan, even if you are not enrolled in a medical HMO or PPO plan.

Life and Accidental Death and Dismemberment (click here for plan summary)
Cigna HealthCare Group Policy #: FLX052102
www.cigna.com | (800) CIGNA24

• Standard Life Benefit: $25,000
• AD&D benefit, an additional: $25,000

Disability Insurance
William Gallagher Associates
Private Client Group
470 Atlantic Avenue, Boston MA 02210
www.wgains.com | (click here to download information request forms) 

We are pleased to refer you to William Gallagher Associates who can provide you with an optional individual and portable disability income insurance policy. You can choose from a variety of waiting periods and these policies offer protection in the form of tax free payments of up to 60% of your income if you are disabled. Premiums can be paid monthly or quarterly. William Gallagher can also offer you additional Life Insurance if you are interested. Please contact them for a free quote and more details.

Flexible Spending Accounts (click here for plan summary)
FlexServ Group Policy #: 100547
P.O. Box 534200 St. Petersburg, FL 33747-4200
www.ceridianfsa.com | (800) 278-9799

Health Care Account

• Flexible Spending: (Non-reimbursed Health Care Expenses)
• You can begin to contribute, as of your eligibility date, on a pre-tax basis for that Plan Year (calendar year)
• Maximum election for Plan Year is $5,000
• The tax free contributions are used to reimburse you for covered health care expenses not covered by your health insurance plan.

Dependent Care Account

• Flexible Spending: (Non-reimbursed Dependent Care Expenses)
• You can begin to contribute, as of your eligibility date, on a pre-tax basis for that Plan Year (calendar year)
• Maximum election for Plan Year is $5,000
• You can be reimbursed with the tax free funds you have contributed for costs associated with childcare, elder care or other eligible dependent care programs.

Pre-tax Commuter Reimbursement

• Use the commuter benefit to pay for commuting costs including parking and public transportation fees via monthly automatic pre-tax payroll deductions.
• You may defer up to $115.00 pre-tax for qualified vehicle and transit expenses and up to $220.00 for qualified parking expenses (2008 IRS pre-tax limits). Any remaining election will be deducted post-tax.
• You can enroll anytime; enrollment deadlines are the 10th of each month for the commuter benefit to be effective the first of the following month.

Eligibility for Health Care and/or Dependent Care Account:
Eligibility is the first of the month following 4 consecutive weeks of service while working an average of 24 hours per week. If you do not elect coverage within the first 31 days of your eligibility date, you may apply for coverage during the re-enrollment period in December for the upcoming plan year or within 31 days of a "change in family status". Please note that in order to continue coverage, you must re-enroll in December for the upcoming plan year.

401K Plan
Fidelity Investments
www.401K.com | (800) 835-5095

Payable through weekly payroll deductions on a pre-tax basis:

• You may invest 1 - 30% of your pre-tax compensation not to exceed the maximum of $14,000 (for 2005) allowed by the IRS.
• You may change your contribution amount at any time.
• The company matches 100% of the first $750 invested and 50% of the next $1500 invested.
• You will be 100% vested after 4 years of employment; 75% vested after 3 years; 50% vested after 2 years; and 25% vested after one year. This vesting starts from day one of employment regardless of when you enrolled in the 401(k) plan.

Eligibility for 401K:
Eligibility requirements are at least age 21 and have completed 1,000 hours of service with Clinical One in 2, 3, or 4 consecutive calendar quarters. Once you are eligible to join the Plan, you may enroll at any time.

Please contact Corporate Benefits for all 401(k) issues and questions at (781) 213-1585. Fax: (781) 213-1655.

Access your account 24-hours a day by calling 1-800-835-5095 or logging on to www.401K.com.