PLAN

YEAR

August 1, 2014 thru
July 31, 2015


2014-15 GROUP
INSURANCE
ENROLLMENT
DECISION
GUIDE





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Thats why at Ag-Pro we are committed to a comprehensive employee
benet program that helps our employees stay healthy, feel secure and
maintain a work/life balance.

Stay Healthy

Medical

Dental Care

Vision Care
Feeling Secure

Disability Insurance

Life Insurance

Supplemental Insurance


Our employees
are our most valuable asset.

Making Your Group Benefit
Elections for the 2014-15 Plan Year
For technical assistance in making your 2014-15 Elections online, call Big Oak Advisors at
855-680-9747 or the Human Resource department (850-877-5522).

When will my coverage become effective?
Newly hired full-time Employees insurance coverage will be effective the first of the month
following sixty days of employment. Payroll deductions for elected benefits will begin in the
month of your effective date.

When should I enroll in coverage?
You must enroll within 30 days of your full-time employment date. Employees who do not
complete online enrollment within the 30 day period will automatically be enrolled in the
Employer-paid Basic Life only. All other Benefit offerings will be declined.

How to Make Your 2014-15 Elections?
Directions to enroll online are available in the back of this handbook.
You must first register and set up a password before making your 2014-15 elections
Once you register you should:
- Verify your address and dependents.
- Verify your coverage tier (you only, you & spouse, you & child(ren) or you & family)
- Make sure you confirm your enrollments upon completion
- Designate beneficiaries for Basic Life and Voluntary Life (if elected)

What changes may be made outside of my New Hire
Enrollment?
Insurance plan elections may only be changed during the annual Open Enrollment (effective
August 1st) unless there is a qualifying change in status during the Plan Year. You must notify
the HR Department within 30 days of a qualifying event that occurs outside of Open Enrollment
if you want to make changes. A list of Qualifying events may be found on your Employee Benefit
homepage, login at myagprobenefits.com to view.
Is Evidence of Insurability required for Coverage?
On your initial New Hire enrollment all coverages are guaranteed issue regardless of health.
Some plans do have limited benefits for a period of time for Pre-existing conditions (please refer
of each plan summary for details). At future Open Enrollments some plans will require Evidence
of Insurability for acceptance.



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Ag-Pro offers two Medical plan options for you and your family. The HSA
plan offers free preventive care and comprehensive medical coverage after
you meet your deductible. If you choose the HSA option, Ag-Pro will open a
Health Savings Account in your name and deposit $40 bi-weekly into your
account to help offset medical expenses while meeting your deductible. You
may also contribute additional money into your HSA account on a pre-tax
basis through payroll deduction.

Insurance Company United Healthcare
Doctor Visits Deductible and Co-insurance
Preventive Care Paid 100%
Prescriptions Deductible, then $10 / 35 / 60 copay
Hospital and Surgery Deductible and Co-insurance
Deductible $2,750
Coinsurance % you pay 10%
Your Total Out of Pocket $6,000
Health Savings Account Ag-Pro will deposit $40 Bi-weekly
Bi-weekly Payroll Deductions
Employee $86.99
Ee + Spouse $298.60
Ee + Children $260.13
Ee + Family $471.74
Medical Insurance
HSA Plan Option
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Medical Insurance
Copay Plan Option


The Copay Plan Option features rst dollar coverage for Wellness,
Physician Ofce visit copays, and prescription drug copays. Other services
are typically covered under your deductible and co-insurance.
Please refer to the Benet Summaries / Summary of Benets and Coverage
(SBCs) posted on the enrollment website for more details on the HSA and
Copay plans. Printed copies of the SBCs are available upon request.

Insurance Company United Healthcare
Doctor Visits $40 copay for Primary Care $80 for Specialist
Preventive Care Paid 100%
Prescriptions $10, $35 or $60 copay
Hospital and Surgery Deductible and Co-insurance
Deductible $2,500
Coinsurance % you pay 20%
Your Total Out-of-Pocket $6,000
Bi-weekly Payroll Deductions
Employee $75.66
With Spouse $318.81
With Children $274.60
With Family $517.75
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Dental Insurance



Most people will utilize their dental plan at least twice a year; it is
designed to minimize your out-of-pocket expenses related to good oral care.
This is a voluntary plan offered by Guardian.



Premier Plan
Preventive Care Plan pays 100% for two cleanings per year, x-
rays and more. No deductible.
Basic Services The plan pays 80% for most services, including
llings, simple extractions, and anesthesia
Major Services The plan pays 50% for crowns, bridges, root
canal, and Periodontic surgery
Orthodontia 50% up to $1,000 for children
Deductible $50 once per year for Basic or Major Services
Calendar Year
Maximum Benet
$1,000 per person
Rollover $250 per year
Maximum with
Rollover Benet
$2,000 per person
Employee Rate $10.98 bi-weekly
Employee + Spouse $21.72 bi-weekly
Employee + Child(ren) $28.25 bi-weekly
Employee + Family $40.08 bi-weekly
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Basic Life Insurance




Your Guardian group life plan can provide nancial security for your
beneciaries if you die while an employee of Ag-Pro. Your beneciaries will
receive the amount specied below.

$15,000 death benet
Additional $15,000 for accidental death
The plan is paid for entirely by the Ag-Pro.

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This is a voluntary plan in which you may elect to purchase additional life
insurance coverage on yourself, your spouse and your children. This is term
insurance: the premiums are low and the plan is portable. Coverage is
insured by Guardian
Employee
You may elect to purchase life insurance in increments of $25,000 up to
the maximum of $150,000.
Employee Guaranteed Issue: At your new hire and open enrollment only,
you may elect up to $150,000 of life insurance with no health questions.
Spouse
Your spouse is eligible for 50% of the Employee benet up to $50,000.
Spouse Guaranteed Issue: At your new hire and open enrollment only,
the rst $50,000 is guaranteed issue.
Children
You may elect 10% of the Employee benet up to $10,000 coverage per
child. The premium is a at rate, not per child.

The following are sample Bi-weekly rates for family coverage:


Voluntary Life Insurance
25-29 yr old 35-39 yr old 45-49 yr old 55-59 yr old
Employee $100,000 $3.46 $4.85 $11.91 $29.72
Spouse $50,000 $1.73 $2.42 $5.95 $14.86
Child $10,000 $0.77 $0.77 $0.77 $0.77
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If you are enrolled and are unable to work because of an illness or off-the-
job injury, this Guardian plan will continue to pay part of your salary. The
benet plan is designed to help protect your nancial security while you are
unable to work.

The plan pays 60% of your salary, up to a maximum benet of $1000/week.

Benets begin on the 8th day if you are unable to work due to illness or
off-the-job injury.
Maternity is covered.
Benets are payable for as long as you remain disabled, up to the
maximum of 13 weeks.
This benet also covers you when you are partially disabled, meaning
that you can work part-time and receive partial benets.
Because you pay for this plan after-tax, the benet is tax-free.

Your premium is based on your salary. Sample rates:



$25,000 Annual
Salary
$35,000 Annual
Salary
$45,000 Annual
Salary
$55,000 Annual
Salary
$288 Weekly
Benet
$404 Weekly
Benet
$519 Weekly
Benet
$635 Weekly
Benet
$4.25 Bi-weekly $5.97 Bi-weekly $7.67 bi-weekly $9.38 Bi-weekly
Short Term Disability
Income Insurance
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If you are enrolled and are unable to work because of an illness or injury,
this plan protects your ability to earn a living up to retirement age. The
benet plan is designed to help protect your nancial security while you are
unable to work in the event of a long term disabling event.

The plan pays 60% of your salary, up to a maximum of $6000 / month.
Benets begin on the 91st day if you are unable to work due to any injury
or illness.
Benets are payable for as long as you remain disabled, up to Social
Security retirement age.
This benet also covers you when you are partially disabled, meaning
that you can work part-time and receive partial benets.
Because you pay for this plan after-tax, the benet is tax-free.

Your premium is based on your salary.
Sample Bi-weekly rates are shown below:



25-29 yr old 35-39 yr old 45-49 yr old 55-59 yr old
$25,000 Annual Salary
$1,250 Monthly Benet
$2.21 $3.56 $10.67 $18.07
$35,000 Annual Salary
$1,750 Monthly Benet
$3.1 $4.98 $14.94 $25.31
$45,000 Annual Salary
$2,250 Monthly Benet
$3.98 $6.40 $19.21 $32.54
$55,000 Annual Salary
$2,750 Monthly Benet
$4.87 $7.83 $23.48 $39.77
Long Term Disability
Income Insurance
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The Guardian Vision plan is designed to help protect your vision by
assisting with the costs of eye exams and glasses or contacts. Premiums are
pre-tax, saving even more money.
In-Network (Davis Vision PPO)
Eye Exams: the plan pays 100% after your $10 copay. Once per year.
Lenses: plan pays 100% after your $25 copay. Once per year.
Frames: $25 copay, plan pays up to $120. Once per two years.
Contacts (Medically necessary): $25 Copay
Contacts (Elective): $25 copay if from formulary, otherwise plan pays $120 per year,
Out-of-Network
You receive reimbursement from the insurer, Guardian.
Eye Exams: the plan reimburses $50 after $10 copay. Once per year.
Lenses: the plan reimburses $48 for single, $67 for bifocal, $86 for trifocal, $126 for
lenticular after $25 copay. Once per year.
Frames: the plan reimburses $48 after $25 copay. Once per two years.
Contacts (Medically necessary): pay up to $210 after $25 copay
Contacts (Elective): the plan reimburses $105 per year.
Employee Rate $3.11 Bi-weekly
Employee + Spouse Rate $5.24 Bi-weekly
Employee + Child(ren) Rate $5.34 Bi-weekly
Employee + Family Rate $8.45 Bi-weekly
Vision Insurance
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Critical Illness Plan




Guardian Critical Illness insurance is designed to supplement your core
benets such as Medical and Disability insurance. These plans pay the
stated benet regardless of any other coverage and are designed to help you
pay out of pocket costs such as deductibles, co-insurance, travel expenses,
loss of wages, and/or other non-covered expenses.

Lump Sum Benet
Payable upon rst ever and second ever diagnosis of Cancer Type 1
(invasive), Heart Attack, Kidney Failure, Major Organ Transplant, and
Stroke. Additionally, 25% of the lump sum benet is payable for Cancer
Type 2 (non-invasive) and Coronary Artery Bypass Graft.
Second ever occurrence pays 50% of lump sum benet.
The Lump sum coverage option for Employees is $10,000 & $20,000.
Spouse and Children are eligible for 50% of Employee coverage.
Hospital Admission Benet
After being Hospitalized two days for any other condition the plan will pay
$250 per day up to 10 days per year. Spouse and Children coverage is
$125 per day up to 10 days per year.

Sample Bi-Weekly Rates:

Age 25-29

Age 35-39

Age 45-49

Age 55-59
$10,000 Benet - Employee $2.49 $4.77 $11.07 $26.04
$5,000 Benet - Spouse $2.79 $3.32 $5.65 $12.9
$5,000 Benet - Children $1.12 $1.12 $1.12 $1.12
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Accident Plan



Guardians accident insurance is designed to help you pay out of pocket
costs such as deductibles, co-insurance, travel expenses, loss of wages, and/
or other non-covered expenses in the event of an off-the-job accidental
injury. The plan pays money directly to you and benets are paid
regardless of other insurance coverage you may have. Partial list of
Benets include:
Accident Emergency Treatment - $175
Accident Follow-up Visit - Doctor $50, up to 6 Treatments
Appliances - $125
Chiropractic Visits - $25/visit up to 6 visits
Dislocations- Up to $4,400
Diagnostic Exam (Major)- $150
Emergency Dental Work $300/Crown, $75/Extraction
Fractures- Up to $5,500
Hospital Admission- $1,000
Hospital Connement- $225/day up to 1 year
Hospital ICU Admission- $2,000
Hospital ICU Connement- $450/day up to 15 days
Initial Physicians Ofce/Urgent Care visit- $75
Lodging- $125/day
Occupational or Physical Therapy $25/day up to 10 days
Transportation- up to $500, 3 times per accident
X-Ray- $30

Employee
Only
Employee
+Spouse
Employee
+Children
Full Family
Bi-weekly Rates $8.25 $13.54 $13.94 $19.23
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The Premium Pre-Tax Plan gives you the opportunity to reduce your
taxable income by using before-tax dollars to pay for certain expenses. This
saves you money by reducing you taxes.

Premium Pre-Tax Plan
Any premium dollars that you have payroll deducted for your Medical,
Dental, Vision or Supplemental plans may be pre-taxed on your check.
This means that the payroll deduction for these benets avoid Federal and
State taxes. Therefore most people will save 21% to 37% in taxes on their
insurance premiums.

If you participate in the Premium Pre-tax plan you will be unable to change
your insurance plan elections until next years Open Enrollment unless you
have a qualifying event change as a change in family status.

There is no cost for this plan.

Life and Disability plans are not eligible for the Premium Pre-Tax plan.
Premium Pre-Tax Plan
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A video located at the bottom of the myagprobenefits.com
home page is available to guide you through the enrollment process.

AGPRO is the Company Identifier on the
New User Registration and Password Reset.

Online Benefits and
Open Enrollment Guide
Go to www.myagprobenefits.com , enter the
Open Enrollment password enrollnow and
click on the Authenticate button
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If you are ready to go to the online enrollment system
immediately, click on Click Here to Enroll Now
For added convenience you may download
the Employee Navigator app for your iPhone or Android for
year round access to your plan information.
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Contact Information

For general information, contact the Ag-Pro Human Resource Department at:

Earl Jones
Human Resources & Risk Management
EJones@agprocompanies.com
850-877-5522

Bobbie Thompson
Payroll and Benets Coordinator
BThompson@agprocompanies.com
850-877-5522

Tammy Renfroe
TRenfroe@agprocompanies.com
850-877-5522

Refer to this list when you need to contact one of your benet vendors:

UN I T E D HE A LT H C A R E
ME M B E R SE R V I C E S : 8 6 6 - 2 7 0 - 5 3 11
SE R V I C E S WE B AD D R E S S : WWW. M Y U H C . C O M


GU A R D I A N
ME M B E R SE R V I C E S : 8 0 0 - 6 2 7 - 4 2 0 0
SE R V I C E S WE B AD D R E S S : WWW. G U A R D I A N A N Y T I ME . C O M
DAV I S VI S I O N PPO NE T WO R K : WWW. D AV I S V I S I O N . C O M/ M E M B E R S / 8 0 0 - 9 9 9 - 5 4 3 1


BI G OA K AD V I S O R S


Account Manager Joy Smith joy_lynne@bigoakadvisors.com
Managing Partner Dan Carlton, CFP dan@bigoakadvisors.com
On the Web www.bigoakadvisors.com
Toll Free 855-680-9747
Phone / Fax 229-227-0775 229-228-0910
Office 116 E Monroe St Thomasville, GA 31792
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This benets booklet is arranged by Big Oak Advisors.
Please contact us with any questions.



The information in this Benets Summary is presented for illustrative purposes and is based on information provided by
the sources. The text contained in this Summary was taken from various summary plan descriptions and benet
information. While every effort was taken to accurately report your benets, discrepancies or errors are always possible. In
case of discrepancy between the Benets Summary and the actual plan documents, the actual plan documents will prevail.
All information is condential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have
any questions about this summary, contact Human Resources or Big Oak Advisors