2017 Open Enrollment Guide - Bioventus · 2019-07-27 · 2017 Open Enrollment Guide Welcome to the...

2017 Open Enrollment Guide

Welcome to the 2017 Bioventus Open Enrollment

Our Open Enrollment period begins November 2 2016 and ends on November 15 2016 at 1159 pm Pacific time

Open Enrollment provides you with an annual opportunity to make changes to your benefit elections If you would like to enroll in benefits for the first time make changes to your existing elections enroll or re-enroll in the Flexible Spending Account or add or drop eligible family members from coverage now is the time to do so Any changes you make during Open Enrollment will go into effect on January 1 2017

We strongly recommend that all colleagues review this Open Enrollment Guide carefully and actively consider your options If you do not take action your current benefit elections (except for any Flexible Spending Account election) will continue for 2017

Use WorkDay to make your election changes online Log into WorkDay and open the Open Enrollment task in your inbox

1

We are excited to announce

bull An innovative enhancement toour Medical Health InsurancePlans to make care moreconvenient and affordablecalled Teladoc

bull More HSA account contributiondollars from Bioventus for HDHPHSA participants No change tothe current employee contributionrates for 2017 for the Bronze andHDHPHSA Medical HealthInsurance plans

bull Four new voluntary benefitprograms including anopportunity to get supplementalmedical protection at no cost forthose enrolled in the HDHPHSAhealth plan (up to certain levelsof coverage)

bull A new Roth 401(k) program

The following is a summary of changes for 2017

Whatrsquos Changing in 2017

New Teladoc benefits

The new Teladoc benefit provides convenient and affordable care from your mobile device or computer This enhancement effective January 1 2017 is included in all three Bioventus Medical Health Insurance Plans See below for more information

More HSA dollars from Bioventus

The Companyrsquos contribution to your Health Savings Account (HSA) will increase to $750 for those enrolled in the High-Deductible Health Plan (HDHPHSA) plan as an individual and $1500 for those enrolled as a family See page 4 for more information

Four new voluntary benefit options

In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits

bull Allstate Benefits Group Accident Insurance (two coverage levels available)bull Allstate Benefits Group Critical Illness Insurance (two coverage levels available)

bull InfoArmor Identity Financial and Privacy Protection Programbull ARAG Legal Insurance (two coverage levels available)

If you enroll in the Bioventus HDHPHSA plan during this Open Enrollment period Bioventus will cover the full cost of either the Accident ($5k) or Critical Illness (Basic) coverage for 2017 See pages pages 8-10 for more information

A new Roth 401(k) Effective January 1 2017 your plan now gives you the option of contributing to a Roth 401(k) now with after-tax dollars and then withdrawing tax-free dollars from your account when you retire See pages 25-27 for more information

HealthDental prem payroll deductions

Bi-weekly payroll deductions for the Choice Plus Purple Medical Health Insurance Plan and the Dental Health Insurance Plan will increase See page 3 for more detail

Whatrsquos Changing for 2017

2

Teladoc

Teladoc is an easy convenient and affordable option for quality medical care Their licensed doctors can treat cold and flu symptoms respiratory infections sinus problems ear infections and more

Here is how it worksTo get started register online on the Teladoc mobile app or by phone (see below) During registration yoursquoll complete your medical history so when you need Teladoc itrsquoll be fast and easy With your consent Teladoc is happy to provide information about your Teladoc consult to your primary care physician

Once registered you can speak with a licensed doctor within minutes Anytime or anywhere Simply1Go online to Teladoccom or FacebookcomTeladoc2Call 1-855-Teladoc (835-2362) or3Use your mobile phone at Teladoccommobile

The Purple and Bronze Plans will cover Teladoc Medical Health Insurance consultations at 100 ndash participants pay nothing For those enrolled in the HDHPHSA the IRS guidelines require that the plan apply the deductible to these services But since each consultation costs only $40 you will still save

Voluntary Benefits

Announcing four new benefit programs for 2017The first two programs - Allstate Benefits Group Critical Illness Insurance and Allstate Benefits Group Accident Insurance - are considered ldquosupplemental medical protectionrdquo plans and are designed to help fill gaps in your health plan by paying for expenses you would normally pay out-of-pocket While these programs are available to all employees regardless of your medical plan enrollment there is a special advantage to those who enroll in the HDHPHSA plan Bioventus will pay the full cost for one of these supplemental medical protection plans if you enroll in the HDHPHSA during this Open Enrollment period

You may also enroll in the new InfoArmor Identity Financial and Privacy Protection Program as well as Group Legal Insurance All of these voluntary benefits are available to you at a low cost that you can pay through the convenience of payroll deductions

Take a closer look at whatrsquos available to you during Open Enrollment on pages 8-10

Planning for 2017

2017 Premium ContributionsThere are some changes to the current Purple Medical Health Insurance and Dental Health Insurance Plan premiums for 2017 However our plans continue to be priced competitively and offer great value to you and your family

The table below shows a summary of the Medical Healthcare Insurance Plan premiums for 2017

Bi-weekly Payroll Deductions

Choice Plus Purple

Choice Plus Bronze HDHPHSA

Employee only $7185 $4321 $2427

Employee + one dependent

$16766 $11523 $9708

Family $23053 $15845 $13348

There will be no changes to the benefit level for the following programs

bull Medical HealthInsurance Plan

bull Dental Health Insurance Plan

bull Basic Life andAccidental Death ampDismemberment (ADampD)

bull Supplemental Life ampDependent Life

bull Personal AccidentInsurance (PAI)

bull Short-Term andLong-Term Disability ampFamily and MedicalLeave Act (FMLA)Administration

bull 401(k) and 401(k)+ Plans

bull Tuition AssistanceProgram (TAP)

bull Business TravelAccident (BTA)

bull Life AssistanceProgram (LAP)

bull Adoption Assistance

bull Time Away From Work

bull Fitness ClubReimbursement

The Dental Health Insurance costs for 2017 will change and are noted below However Vision Plan costs remain unchanged

2017 Bi-weekly Payroll Deduction

Dental Vision

Employee only $565 $187

Employee + one dependent $1098 $503

Family $2107 $946

DoNrsquoT FoRgeT ABouT THe FSA

If you wish to participate in the 2017 Flexible Spending Account plan you must actively make an election

WageWorks will continue handling the administration of the FSA plans and medical pharmacy dental and vision claims can be paid automatically from your FSA account Remember both the Health FSA and the Healthcare Limited FSA are capped at $2600 and have a minimum annual contribution of $100

Please remember HDHPHSA participants will not be eligible for the Health FSA to enable participation in the Health Savings Account (HSA) per IRS rules However HDHPHSA participants may participate in a Special Healthcare Limited FSA plan which allows for pre-tax savings toward dental and vision expenses only

You can calculate your savings potential on a Flexible Spending Account (FSA) at wwwwageworkscomemployeecalculatorshtm This tool will help you determine the appropriate amount to contribute to a particular account should you decide to open one and how much yoursquoll save as a result

Health Care Reform Update Early in 2017 Bioventus will send you a new 1095-C tax form which is required as part of complying with the Affordable Care Act (ACA) If you were offered health care this form includes information about the type of health coverage you and your family were offered This form includes the information that you will need to complete your Federal income tax return A copy of the form is also provided to the IRS

As a result of the ACA people without access to affordable coverage through their employer may qualify for tax subsidies to help pay premiums for coverage bought through the new public marketplaces Eligibility for the subsidy depends on your household income and the coverage offered by Bioventus Not everyone will qualify for a subsidy

We are required by federal law to provide valid Social Security Numbers for employees and any covered dependents please review your data in WorkDay to verify all SSNrsquos are correct

3

What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work

It is a standard base medical plan that offers coverage both in-network and out-of-network In order to be coupled with an HSA feature it must be a qualified high-deductible health plan which means it must be in compliance with all the rules established by the IRS regarding minimum deductibles maximum out-of-pocket (OOP) limits HSA contribution limits eligibility requirements etc It has the following features

bull In 2017 participants will be given a one-timeHSA account contribution from Bioventus ($750 perindividual and $1500 per family) Participants alsohave the option to set aside pre-tax savings to usetoward the deductibles or coinsurance throughout theyear ndash or save for the future

bull Participants are responsible for first dollar paymentfor claims up to the deductible ($1300 per individualand $2600 per family in-network and $2600 perindividual and $6500 per family out-of-network)

bull After the deductible is met participants areresponsible for their coinsurance (20 in-networkor 40 out-of-network) until the out-of-pocketmaximum ($3000 per individual and $6000 perfamily in-network and $6000 per individual and$12000 per family out-of-network) is reachedeach year

bull Routine physicals and preventive care will becovered at 100 in-network The deductible is waivedfor preventative medications

What Is an HSA

A Health Savings Account (HSA) is a special tax-free account created exclusively for the benefit of participants enrolled in a High-Deductible Health Plan to use toward qualified medical expenses

It is much like a Flexible Spending Account (FSA) except there are no ldquouse it or lose itrdquo rules Unspent funds remain the property of the employee You own the HSA funds as soon as it is deposited into your account HSAs are portable and money left alone in the account will accumulate on a tax free basis

Any adult can contribute to an HSA if heshe

bull Is covered under a qualified high-deductible healthplan only (Bioventusrsquo HDHPHSA)

bull Is not enrolled in Medicare

bull Is not enrolled in a Health FSA

bull Cannot be claimed as a dependent on someoneelsersquos tax return

The IRS limits how much you can contribute to your HSA account each year

2017 Annual HSA Contribution Limits

Employee $3400

Employee + 1 $6750

Family $6750

Allowable catch-up contribution for age 55+ $1000

The maximum contribution amounts include any company funding

4

Before you select the HDHPHSA there is more you should know

bull The HSA account will be opened and maintained byPayFlex a partner of Aetna

bull Once you accumulate $1000 in the HSA you can invest in mutual funds offered by PayFlex Account earnings aretax-free

bull Withdrawals from your HSA can be used for qualifiedmedical expenses (including certain dental and visionexpenses) Long Term Care coverage or COBRApremiums tax-free

bull If you are enrolled in a Health Care FSA and have anFSA account balance on 1117 you can establish anew HSA account but you are not able to fund theHSA account until the first of the month after theFSA run out period ends If this applies to you youmust avoid funding the HSA until after April 1 2017

bull If enrolled in the HDHPHSA for 2017 you are eligible to enroll in a Limited Health care Flexible Spending Accountfor dental and vision care expenses only

bull You cannot contribute to the HSA account for adependent child who is not claimed as a tax dependent

bull Any amounts used for purposes other than qualifiedmedical expenses are taxable as income and aresubject to an additional 20 tax penalty

There are a few ways to take HSA distributions and pay for qualified medical expenses

1 Use your HSA PayFlexreg debit card

2 Use your HSA debit card as an ATM card to payyourself back for out of pocket expenses

3 Make an online payment via wwwaetnanavigatorcom

4 Make payment by check from your HSAchecking account

It is always best to have your doctorrsquos office submit the claim through insurance so that you receive credit toward your annual deductible get the Aetna discounted rate and know exactly what to pay

More information on Health Savings Accounts (HSAs) is available at wwwpayflexcom

ATM and checking fees apply

MoRe ABouT HSAs

Why Do employers offer a High-Deductible Plan with an HSA

Almost 60 of employers in our industry now offer high-deductible health plans with an optional Health Savings Account in order to reduce employers plan costs and to provide employees with an additional retirement savings tool HSAs allow employees to

bull Access a lower cost plan option

bull Access the triple tax advantages of HSA savings

1 Contributions are made on a pre-tax basis

2 Account earnings are tax-free

3 Withdrawals for qualified medical expenses are tax-free

bull Control their personal health costs

bull Save for short term medical expenses

bull Saveinvest for long term medical and retirement

What Is This High-Deductible Health Plan (HDHPHSA) and How Does It Work (continued)

5

All employees are strongly encouraged to use tools available at wwwaetnacom to compare and model the options

If yoursquore a new employee you will need to register using your Social Security number employees who already participate in one or more of the plans can use their subscriber ID number Aetna provides an online tool that can help you compare the different types of plans available (It is not specific to Bioventusrsquo plans but will give you an idea)

When comparing your options remember to consider

bull Premium costs Compare what you will pay forcoverage and whether the cost will be taxableWill you qualify for Medicaid or for tax credits orsubsidies

bull Plan design Consider what you will likely pay outof pocket based on your own usage and the plandeductible coinsurance annual out-of-pocketmaximum copayments etc Also consider covereddrugs or excluded medical services

bull Provider network Review the provider networkWhat will it cost you to use a non-network provider

bull Your life Are you expecting any changes in your familyand who you will cover Are you considering marriagedivorce birth or adoption of a child or will yourdependent lose coverage due to the age limitation

bull Your health needs Do you expect upcomingmedical expenses or changes in your medicalcondition Are you or a family member diagnosedwith a chronic medical condition that requires on-goingregular visits or increased use of medicationsAre there any planned hospitalization pregnancysurgery etc

Take a look at the examples on the next page to see if there are any you can relate to

How Do I Choose the Best Plan for Me

MeDICAL INSuRANCe TeRMS AND DeFINITIoNS

Deductible ndash The amount plan participants must pay prior to the receipt of any benefits with the exception of those benefits payable as preventative and not subject to deductible

Co-pay ndash The amount a plan participant must pay at time of service after satisfying the deductible if applicable

Coinsurance ndash The percent of service charge the participant is subject to pay after satisfying the deductible

out-of-pocket maximum ndash The maximum dollar amount a participant will be subject to pay in any one plan year after which the plan pays 100

6

How Do I Choose the Best Plan for Me (continued)

example 1 ndash Healthy Hope is in good health and exercises 3-4 times per week She thinks she will use the new Teladoc services twice But she does not anticipate any major medical expenses in 2017

Actual Cost of Service Purple Plan Bronze Plan HDHPHSA Plan

Total out-of-pocket cost (services) $388 $0 $0 $80

Annual cost of single coverage (premium) $1868 $1124 $631

Annual Bioventus HSA contribution ($750 individual$1500 family) $0 $0 $750

Total cost to Hope (services + premiums) $1868 $1124 $631

HSA balance at year end to roll over to 2018 $0 $0 $670

example 2 ndash Not-so-careful Nick has a wife and two children They are generally in good health but they expect to have have a few unexpected trips to the ER and some minor illnesses in 2017



Annual cost of family coverage (premiums) $5994 $4120 $3470

Annual Bioventus HSA contribution($750 individual$1500 family) $0 $0 $1500

Total cost to Nick (services + premiums) $7628 $6268 $5294HSA balance remaining at year end to roll over to 2018 $0 $0 $0

example 3 ndash Back Surgery Brenda has three grown children not on the plan but she does cover her husband She just scheduled a back surgery for early 2017 and is looking forward to being pain free and getting back to golf





Total cost to Brenda(services + premiums) $7359 $7496 $7024

HSA balance remaining at year end to roll over to 2018 $0 $0 $0

7

Note Any benefits paid under the new voluntary insurance programs will reflect a further reduction in employee out-of-pocket expenses in each of the following examples

Announcing four new benefit programs for 2017 In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits These benefits offer added financial protection for a variety of lifersquos unexpected expenses As a Bioventus employee you have a unique opportunity to access these programs for free If you enroll in the Bioventus HDHPHSA during this Open Enrollment period Bioventus will cover the cost of one of the supplemental medical plans for 2017 You will have the choice of either the Allstate Benefits Group Critical Illness Insurance ($5000 Coverage Plan) or the Allstate Benefits Group Accident Insurance (Basic Insurance Plan) at no cost to you The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792

Voluntary Benefits

8

Please review these valuable new options The first two are supplemental medical insurance products designed to provide additional protection or fill in the gaps in your health plan by paying for expenses you would normally pay out-of-pocket

If you do not enroll in the Bioventus HDHPHSA you can still access the new plans These voluntary benefits are available to any employee and any costs may be paid through the convenience of payroll deductions

AllstateBenefits(AB)isthemarketingnameusedbyAmericanHeritageLifeInsuranceCompany(HomeOfficeJacksonvilleFL) a subsidiary of The Allstate Corporation

group Critical Illness Insurance Benefits from Allstate

Allstate Benefits Group Voluntary Critical Illness Insurance a supplemental medical insurance product designed to pay a lump-sum benefit directly to the insured upon diagnosis of a covered critical illness like cancer stroke heart attack and organ transplant Benefits can be used to

bull Fill gaps in major medical insurance

bull Protect your assets

bull Provide funds to provide for caregivers special medicalequipment mortgage and other loans extra childcare costs daily living expenses or transportation

bull Pay for out-of-network medical andexperimental treatment

bull Replace your income during recuperation

Our plan covers up to $5000 per eligible illness if you enroll in the Bioventus HDHPHSA We pay the premium for you HDHPHSA participants may select the $10000 coverage option and pay the additional premium costs If you enroll your spouse or dependents they will be covered at up to 50 of your maximum benefit amount

Again if you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of the $5000 level of coverage for the Allstate Benefits Group Critical Illness Insurance or the Allstate Benefits Group Basic Voluntary Accident Insurance for you

See pages 17-18 for more information

Bi-Weekly Group Critical Illness Employee Deductions

$5k benefit amountAge EE ee+S EE+C Family18-24 $023 $035 $023 $035

25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113

$10k benefit amountAge EE ee+S EE+C Family18-24 $046 $069 $046 $069 25-29 $056 $083 $056 $083 30-34 $098 $148 $098 $148 35-39 $157 $235 $157 $235 40-44 $261 $392 $261 $392 45-49 $409 $614 $409 $614 50-54 $631 $946 $631 $946 55-59 $942 $1412 $942 $1412 60-64 $1422 $2132 $1422 $2132 65-69 $2113 $3171 $2113 $3171 70-74 $2744 $4117 $2744 $4117 75-79 $3277 $4915 $3277 $4915 80+ $4152 $6226 $4152 $6226

Allstate Benefits group Voluntary Accident Insurance

Accident insurance is another form of supplemental medical insurance It pays a lump-sum benefit directly to the insured for an accidental injury You have two benefit options Basic and Premier to choose from Benefits are paid when an accident causes fractures dislocations loss of limbs burns hospital and ambulance expenses accident-related disabilities or death Accident insurance will help you pay for

bull Hospitalemergency room care

bull Injuries requiring surgery

bull Ambulance fees

bull Physical therapy

bull Recovery income

bull Family lodging

Please see the example in the chart on the right

If you enroll in the Bioventus HDHPHSA Bioventus will pay the full cost of of the Basic Allstate Benefit Group Accident Insurance or the $5000 level of the Allstate Benefits Group Critical Illness Insurance coverage

Voluntary Benefits (contrsquod)

Purple Plan Bronze Plan HDHPHSA Plan

Full cost of medical services $13270 $13270 $13270

Deductible you pay $350 $800 $1300

Copays you pay $340 $460 $0

Coinsurance you pay $1310 $1240 $1700

Accident benefits paid to you $0 $0 $6305

Account funding paid to you $0 $0 ($750)

Employee contributions you pay $1868 $1124 $631

Your total cost(savings) $3868 $3624 $3424

See page 19-20 for more information

Full Cost of Medical Services

Accident Insurance Reimbursement

Basic Plan Premier Plan

Ambulance (ground) $400 $100 $200

Non-ICU hospital admission (3 days confinement)

$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000

Emergency room $1000 $100 $200

X-rays $170 $100 $200

Follow-up visits (2) $200 $100 $200

Physical therapy visits (4)

$400 $120 $240

MRICat Scan $1500 $50 $100

Appliance (crutches) $50 $125 $250

Medical supplies or medicine

$50 $10 $20

ToTAL $13270 $6305 $12610

How This Impacts Out-of-Pocket Costs

9

Bi-Weekly Accident Insurance Employee Deductions

EE ee + S EE + C Family

Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example

InfoArmor Identity Financial and Privacy Protection Program

PrivacyArmor is a proactive fraud detection and prevention including a fully-managed identity restoration for state-of-the art identity protection Features include

bull Identity and credit monitoring

bull Credit report each year and a score each month

bull Password management solution

bull Social media reputation monitoring

bull Digital wallet storage and monitoring

bull Full-Service Identity Restoration

bull $1000000 Identity Theft Insurance Policy

Bi-Weekly Cost

InfoArmor Identity Theft Protection

$459 per person$828 per family


ARAG Legal Insurance

MetLaw provides two options of legal services and representation from a qualified attorney at an affordable price Features include

bull Quick easy access to a nationwide network of11000 pre-qualified Plan Attorneys with an averageof 25 years of experience

bull You can choose a non-Plan Attorney and may bereimbursed through the ARAG plan

bull Low monthly cost for unlimited use of the plan

bull Premium is deducted from your paycheck noclaim forms

bull Spouse and children also have access to theplan benefits

Bi-Weekly Cost

ARAg Legal Insurance UltimateAdvisorreg Plus UltimateAdvisorreg

Family $1108 Family $715

See pages 23-24 for further services at each level


10

The Mercer Help Line is available to assist you with any questions regarding the Voluntary Benefit programs at 1-800-358-3792

How Do I Enroll

11

Steps

1 Log into WorkDay

a Open the ldquoOpen Enrollmentrdquo task in your inbox

2 Review your current medical dental and vision elections You can find additional information about each plan by clicking on ldquoProvider Websiterdquo Make any changes to your current elections in the ldquoElectWaiverdquo column

3 To add dependentsa Choose the correct tier from the ldquoCoveragerdquo columnb In the ldquoEnroll Dependentsrdquo column click on ldquoCreaterdquo if you need

to add a dependent that is not already in the system For thosethat are already in the system you can select their name

c Add dependent and beneficiary information Complete all fieldsnoted with an asterisk

d The federal government (IRS) requires Bioventus collectand report valid Social Security Numbers for all dependentscovered under our plan Please be sure to include yourdependentsrsquo Social Security Numbers when you enroll

4 Please also take a moment to review and update your contact information emergency contact and add a photo of yourself These can be found under the ldquoAll About Merdquo tab then click on Personal Informationa When adding your phone number you must include the area

code which is in a separate field above the phone number fieldAlso a hyphen is required in the phone number after thethird digit

b Phone number and mailing address are mandatory for allemergency contacts

c To add a photo click on the down arrow next to your nameat the top of the screen Then click on ldquoPersonal Datardquo thenldquoChange My Photordquo Click ldquoBrowserdquo to locate your photo fileand then click ldquoUploadrdquo

1 Who do I contact at Aetna for questionsYou have access to Aetnarsquos Concierge line at 1-855-845-0572 Aetna representatives can provide you with information about the features and benefits of your coverage Please provide the Aetna representative with the following Bioventus account number 869900 This will help Aetna identify you as an Aetna customer

2 How can I find out if my current medical provider isin the Aetna networkLog onto wwwaetnacom and click on ldquoIndividuals amp Familiesrdquo in the upper left of the webpage Scroll half way down the page in the blue box (1) Click ldquoFind a doctor dentist facility or vision providerrdquo In the section noted ldquoThinking of getting an Aetna planrdquo (2) Click on ldquoFind doctors dentists and hospitals in our plansrdquo For the question ldquoWhat type of plan are you consideringrdquo (3) Click on ldquoA Plan Offered by My Employer or Organization (Includes small group plans purchased on exchange in Maryland Delaware and District of Columbia)rdquo Enter your search parameters You can either search by Provider Name Specialty Procedure or Condition and by Zip Code or City State

Then in the ldquoSelect a Planrdquo section - Under Aetna Open Access Plans select ldquoAetna Choice POS II (Open Access)rdquo then (4) Click rdquoContinuerdquo

3 How do I know what co-paytier applies to myprescription under the Aetna Pharmacy plan We encourage you to check the status of your Rx with Aetnarsquos Preferred Drug list Medication Search Tool which can be accessed at wwwaetnacom On the site under Find your drug information use the 2017 Three Tier Open Plans expand option and select ldquoSearch to see if a drug is coveredrdquo You can also contact Aetna by calling the phone numbers referenced in 1 above for assistance or from your current medical ID card

4 Do you have a Mail Order Pharmacy ProgramYes Aetnarsquos Rx Home Delivery is designed especially for individuals who take maintenance prescription medications In addition members have the option to pick up their maintenance medications that they normally have delivered at CVSpharmacy retail locations most convenient to them through the Maintenance Choice program To pick up at CVSpharmacy

bull Log in to wwwaetnanavigatorcom Click ldquoFind a DoctorPharmacy or Facilityrdquo to find a CVSpharmacy near you

bull For new orders ndash if you have a new prescription fora 90-day supply please ask the pharmacist to fill itYou can also call the toll-free number on your memberID card and Aetna will handle the rest

bull For refill orders ndash To refill an existing prescription bringyour current medicine to the pharmacist andask for a 90-day refill through the MaintenanceChoice program

5 Do certain prescriptions require prior authorizationYes there are certain medications that may require prior au-thorization from Aetna which are included in Aetnarsquos Nation-al Precertification List Participating providers are required to pursue precertification using the process explained at this link httpwwwaetnacomhealth-care- professionalsprecertificationprecertification-listshtml Please select the ldquo2016 Participating Provider Precertificationrdquo link to see the current list of prescriptions included This list is updated from time to time and the Drugs and Medical Injectables are currently listed under 14 on this most recent list This list is subject to change for 2017

You can also find out if your medication requires an authorization by calling Aetnarsquos concierge line at 1-855-845-0572

Frequently Asked Questions

12

CONTINUED

Frequently Asked Questions (contrsquod)

6 Does Aetna an employee self-service web-siteYes Aetna Navigator is a convenient and secure personalized on-line resource It contains easy-to-use interactive tools to help you manage your medical plan and provides access to a wealth of wellness information You can search for network physicians refill mail order prescriptions rank hospital quality standards compare medications take a health risk assessment and so much more You can register for Aetna Navigator at wwwaetnacom as of January 1st The registration process is easy and quick

bull Go to wwwaetnacom

bull Click on ldquoIndividuals amp Familiesrdquo in the upper left of thewebpage Click Log In Register

bull First-time users click Sign up nowrarr in the blue box

bull Follow the prompts one through five to complete yournavigator registration

bull Be careful when entering your name that you do not usenick names You must use the name that you noted onyour enrollment form as this is recognized in the Aetnaeligibility system

bull If you do not have your member ID you may registerusing your social security number

7 What should I do if I donrsquot have an ID card onJanuary 1stYou can print a temporary ID card from your Aetna Navigator home page once you register From your Aetna Navigator Home Page select ldquoGet an ID Cardrdquo on the left Click the ldquoView Cardrdquo button which will then display a copy of your card and it will provide you the option to View and Print the ID Card or Order a Replacement ID Card


bull Click Log on and enter your user ID and password

bull This will bring you to the home page of Your SecureWebsite

bull On the left hand side of the screen under I want toselect get an ID Card

bull Under Choose a Card click on View Card

bull Click ViewPrint ID Card

8 How do I file a Medical claim for reimbursement fornon-network servicesIf you see an out-of-network provider you are responsible for paying in full at the point of service and will need to file a claim to receive reimbursement Submit a completed medical claim form and itemized receipt or bill from the pro-vider to the address on the back of your ID card You can also call the Aetna Concierge number printed on the back of your ID card to assist with filing a claim and you may go to wwwaetnacom to download a claim form

Health Savings Account

9 Who is the administrator of the Health SavingsAccountsIf you elect coverage under the HDHPHSA your HSA account will be administered by PayFlex a selected partner for Aetna In order to be eligible to set up a new HSA account with Payflex you are required to be enrolled in the HDHPHSA

10 Are there charges associated with a HSANo There is no charge to Bioventus participants for HSA accounts that roll over from other HSAs to PayFlex

11 Can I leave my money with another HSAFinancial Institution You can leave your money with other HSA Accounts however if you select the HDHPHSA or HDHP as of January 1 2017 an HSA account with Payflex will automatically be opened for you If you do not select the HDHPHSA for 2017 your existing HSA balance will be converted to an individual account with the other provider

12 Can I invest my HSA money with PayFlexYes once you have an HSA balance of $1000 you can choose investments for those funds

CONTINUED

13


13 Are there fees associated with the HSAThe monthly maintenance fee charged by PayFlex are paid by Aetna as long as you are an active employee and enrolled in the HDHPHSA Additional fees that are charged for overdrafts paper statements investment fees etc are your responsibility and will not paid for by Bioventus

If in the future you leave the company or you are no longer enrolled in a qualified high deductible health plan such as the HDHPHSA offered by Bioventus your HSA will be converted to an individual account at PayFlex and you will become responsible for a monthly account fee of $400 (and any additional fees mentioned above) that will be automatically deducted from your account balance

14 What happens to my Payflex HSA if I do not enrollin the HDHPHSA in 2017 If you do not enroll in Bioventusrsquo HDHPHSA you will need to keep your existing HSA funds with Payflex Since it will become an individual account you will be charged a monthly fee for this Note that you cannot add to your HSA funds unless you are actively enrolled in a qualified HDHPHSA however you can still access your HSA funds to pay for eligible expenses

15 How can I access information about my PayFlexHSA Account Once your HSA account with PayFlex is open you can register through the Aetna Navigator for easy access to your HSA account funds

16 Can I access my HSA activity using the AetnaMobile App No The Aetna Mobile App only provides medical plan information To track your HSA activity you can download the PayFlex Mobile App at wwwpayflexcommobile-app

17 How do I contact the Voluntary Benefit providersfor additional information about what their plans cover and to answer questions that I may have

Benefit Contact

Allstate Benefits group Voluntary Critical Illness and Accident Coverage

wwwallstatebenefitscom 800-348-4489

ARAg Legal Insurance wwwARAGlegalcentercom Access code 18222bio 800-247-4184


wwwmyPrivacyArmorcom 800-789-2720

Mercer Help Line 1-800-358-3792

14

For More Information

FoR MoRe INFoRMATIoN

If you need assistance with the open enrollment process or have questions you can email or call a member of the HR team listed below HRTeambioventusglobalcom

Joe Courts 919-474-6815 josephcourtsbioventusglobalcomJane Hern 901-341-2974 janehernbioventusglobalcom Sharon Dearing 901-341-2942 sharondearingbioventusglobalcomPrincess Pedew 919-474-6705 princesspedewbioventusglobalcom James Fletcher 919-474-6777 jamesfletcherbioventusglobalcom

TheinformationinthisdocumentprovidedbyBioventuscontainsasummaryofthebenefitchangesforthe2017calendaryearDetailsareprovidedinthesummaryplandescriptionsandotherplandocumentswhichwillbeavailableonBionetandfromtheapplicablevendorsTheplandocumentscontainthetermsandconditionsforeachplanandgoverntheoperationoftheplansIntheeventthatthecontentofthisdocumentoranyoralrepresentationsmadebyanypersonregardingtheplansconflictswithorisinconsistentwiththeprovisionsofanyplandocumenttheprovisionsoftheplandocumentcontrolTheprovisionoftheBenefitsOpenEnrollmentGuideandthecontentsthereofarenotintendedandshallnotcreateanycontractualrelationshiporguaranteeofemploymentforanydefinedperiodoftimebetweenBioventusandanyrecipientsoftheBenefitsOpenEnrollmentGuideincludingwithoutlimitationBioventuscurrentandformeremployeesEligibilityforandenrollmentinBioventusbenefitplansissubjecttoalltermsandconditionsofthePlansBioventusreservestherighttoamendmodifyandorterminateanyoralloftheplansatanytimeatitsdiscretion

15

The following brochures support the Bioventus 2017 Open Enrollment Guide by offering detailed information about new voluntary benefit programs directly from our vendor partners Each brochure includes contact information so you may reach a representative at the vendor directly Specifically you will find

bull The Roth 401(k) brochure from Fidelity Investments will explain the new plan option so you understand how itcompares with your traditional pretax 401(k) It will help you decide if the Roth 401(k) is right for you and make aninformed decision about your retirement readiness

bull The Group Critical Illness Insurance brochure from Allstate Benefits will explain what this plan covers how to selectthe right coverage amount and how the benefits are paid to you This plan can supplement your existing medicalhealth insurance benefits by providing cash benefits if you and your family are diagnosed with a covered critical illness

bull The Group Accident Insurance brochure from Allstate Benefits will explain what this plan covers how to select the rightcoverage amount and how the benefits are paid to you This plan can supplement your existing medical healthinsurance benefits by providing cash benefits for accidental injury for you and your family

bull The InfoArmor Identity Financial and Privacy Protection brochure explains the identity theft financial fraud andprivacy protection services provided by this plan The brochure will tell you specifically how InfoArmor provides ninedifferent services ndash in one bundled package - aimed at bringing you peace of mind

bull The Legal Insurance brochure from ARAG will explain what this plan covers and how it can help you address avariety of legal issues many of which are covered 100 with a network of experienced attorneys

Please take a moment to learn more about each program before making your benefit elections for 2017

Bioventus 2017 Open Enrollment Guide Appendix

16

You canrsquot predict the future but you can plan for it We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefi ts

Key Featuresbull Guaranteed Issue coverage

meaning no medical questions to answer at initial enrollment

bull Coverage available for spouseand child(ren)

bull Benefi ts are paid regardless ofany other coverage

bull Premiums are aff ordable andare conveniently payrolldeducted

bull Coverage may be continued

Our coverage helps off er fi nancial support if you are diagnosed with a covered critical illness With the expense of treatment often so high seeking the treatment you need seems like a heavy fi nancial burden But when a diagnosis occurs what you should be focusing on is getting better With Allstate Benefi ts you gain the power to take control of your health when faced with a covered event

Herersquos How it WorksYou select the benefi t coverage amount you want based on your individual need and your budget If you have covered family members our coverage also provides cash benefi ts for them Then if diagnosed with a covered critical illness you will receive a cash benefi t based on the percentage payable for the condition

With Allstate Benefi ts you gain the power to make treatment decisions without putting your fi nances at risk

Are you in Good Hands You can be

Critical Illness Insurancefrom Allstate Benefits

Benefits are paid to you

You choose the benefi ts to protect yourself and any family members if diagnosed with a covered critical illness

cHooSeYou go to your annual exam the doctor runs tests the results come back and yoursquore diagnosed with a critical illness

uSeYou go online and fi le a claim The cash benefi ts are paid to you to use however you wish

cLAiM

Protection for out-of-pocket expenses upon a positive diagnosis

See reverse for plan details

offered to the employees of

Bioventus LLc

Every 40 seconds someone in the US has a stroke

Every 34 seconds an American will su er a heart attack

1 min0 sec 34 sec 40 sec

httpwwwcriticalillnessinsuranceinfoorglearning-centercritical-illness-coverage-factsphp

POD4971 Allstate Benefi ts | allstatebenefi tscom17

18

Our cash benefits provide you with greater coverage options because you get to determine how to use them

You decide how to use the cash benefits

Finances Can help protect your HSAs savings retirement plans and 401ks from being depleted

Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city

Home You can use your cash benefits to help pay the mortgage continue rental payments or perform needed home repairs for your after care

Expenses The lump-sum cash benefit can be used to help pay your familyrsquos living expenses such as bills electricity and gas

For use in enrollments sitused in NC

This material is valid as long as information remains current but in no event later than October 7 2019 Group Critical Illness benefits provided by policy form GVCIP2 or state variations thereofCoverage is provided by Limited Benefit Supplemental Critical Illness Insurance The policy does not provide benefits for any other sickness or condition The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company a subsidiary of The Allstate Corporation copy2016 Allstate Insurance Company wwwallstatecom or allstatebenefitscom

Base Policy Initial Critical Illness Benefits

Heart Attack Major Organ Transplant Waiver of Premium

Stroke End Stage Renal Failure Coronary Artery Bypass Surgery

Cancer Critical Illness Benefits

Invasive Cancer Carcinoma in Situ

Second Event Benefits

Initial Critical Illness Cancer Critical Illness

Supplemental Critical Illness

Benign Brain Tumor Complete Loss of Hearing

Paralysis Advanced Alzheimerrsquos Disease

Coma Advanced Parkinsonrsquos Disease

Complete Blindness

Employee only

Pre-Existing Coverage - The Pre-Existing Condition Limitation does not apply to your employer-chosen plan but the date of diagnosis must occur while coverage is in effect For information regarding Cancer Critical Illness Benefits refer to the Recurrence of Cancer section in the document titled ldquoImportant Information About Coveragerdquo

Access Your Benefits and claim Filings Accessing your benefit information using MyBenefits has never been easier

MyBenefits is an easy-to-use website that offers you 247 access to important information about your benefits Plus you can submit and check your claims (including claim history) request your cash benefit to be direct deposited make changes to personal information and more

Benefits


You choose the benefi ts to help protect yourself and any family members from accidental injury expenses

cHooSeYou or a covered family member experience an accidental injury and seek medical attention


cLAiM

Protection for accidental injuries on- and off -the-job 24-hours a day

Accident Insurancefrom Allstate Benefits

Even when you live well accidents happen Treatment can be vital to recovery but it can also be expensive And if an accident keeps you away from work during recovery the fi nancial worries can grow quickly

Most major medical insurance plans only pay a portion of the bills Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses

With accident insurance from Allstate Benefi ts you can gain the advantage of fi nancial protection thanks to the cash benefits paid directly to you You also gain the financial empowerment to seek the treatment needed to get well

Herersquos How it WorksOur coverage pays you cash benefits that correspond with hospital and intensive care confi nement Your plan may also include coverage for a variety of occurrences such as dislocation or fracture ambulance services physical therapy and more The cash benefits can be used to help pay for deductibles treatment rent and more

With Allstate Benefi ts you can protect your fi nances against lifersquos slips and falls



Bioventus LLc

Allstate Benefi ts | allstatebenefi tscomPOD4970

1National Safety Council Injury Factsreg 2014 Edition


meaning no medical questions to answer


bull Premiums are aff ordable andare conveniently payroll deducted

bull Coverage can be continued aslong as premiums are paid to Allstate Benefi ts


19

20



This material is valid as long as information remains current but in no event later than October 7 2019 Group Accident benefits are provided by policy form GVAP6 and the following riders or state variations thereof Accident Treatment and Urgent Care Rider GP6AUC Benefit Enhancement Rider GP6BE DislocationFracture Rider GP6DF and Emergency Room Services Rider GP6ERSCoverage is provided by Limited Benefit Supplemental Accident Insurance The policy is not a Medicare Supplement Policy If eligible for Medicare review Medicare Supplement Buyerrsquos Guide available from Allstate Benefits This information highlights some features of the policy but is not the insurance contract For complete details contact your Allstate Benefits Agent This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office Jacksonville FL) Details of the insurance including exclusions restrictions and other provisions are included in the certificates issuedThe coverage does not constitute comprehensive health insurance coverage (often referred to as ldquomajor medical coveragerdquo) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act






You decide how to use the cash benefits Base Policy

Initial Hospital Confinement Daily Hospital Confinement

Intensive CareAdditional Riders Added to Base PolicyAccident Treatment and Urgent Care Rider pays a benefit for

Ground or Air Ambulance Accident Physicianrsquos Treatment

X-ray Urgent Care

DislocationFracture Rider

Emergency Room Services RiderAdditional Benefit Enhancement RiderLacerations Burns

Skin Graft Brain Injury Diagnosis

Paralysis Coma with Respiratory Assistance

Open Abdominal or Thoracic Surgery Ruptured Spinal Disc Surgery

Eye Surgery General Anesthesia

Blood and Plasma Appliance

Medical Supplies Medicine

Prosthesis Physical Occupational or Speech Therapy

Rehabilitation Unit Non-Local Transportation

Family Member Lodging Post-Accident Transportation

Broken Tooth ResidenceVehicle Modification

Pain Management Miscellaneous Outpatient Surgery

Accident Follow-up Treatment Tendon Ligament Rotator Cuff orKnee Cartilage Surgery

Computed Tomography (CT) Scan andMagnetic Resonance Imaging (MRI)



Benefits

Identity amp Credit Monitoring Enjoy peace of mind with proactive monitoring for the most damaging types of fraud Uncover and resolve issues early to help minimize damages Your credit is monitored through TransUnion Equifax and Experian

Credit Scores and Reports Stay informed and protect your financial assets by detecting credit misuse quickly Access a monthly credit score and a credit report each year from TransUnion

Social Media Reputation Monitoring Actionable alerts help defend you and your family from reputational damage or cyberbullying We monitor Facebook LinkedIn Twitter and Instagram profiles

Wallet Protection Minimize stress and potential damages InfoArmor can easily replace the contents of a lost or stolen wallet through an online secure vault that conveniently stores important documents

IDENTITY FINANCIAL AND PRIVACYPROTECTION

Enjoy peace of mind financial reassurance and time saving expertise with InfoArmorrsquoscomprehensive identity protection plan PrivacyArmor

Network provides comprehensive coverage although no solution can detect all suspicious activity Nonetheless our Privacy Advocates will work tirelessly to restore your identity regardless of when or how the damage was done

daggerIdentity theft insurance underwritten by insurance company subsidiaries or affiliates of AIG The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies describe

Please refer to the actual policies for terms conditions and exclusions of coverage Coverage may not be available in all jurisdictions

DaggerFamily coverage is available for individuals that are supported by you financially or live under your roof copy2016 InfoArmor Inc All rights reserved

PRIVACYARMORreg

Password Protection Using complex passwords is simple and safe Our secure vault automatically saves and syncs your passwords across desktop and mobile devices

Digital Identity Report Take control of your privacy Our deep internet search creates a snapshot of your exposed information online

Privacy Advocate Remediation Have an expert on your side to guide you through the identity restoration process and fight back against identity thieves

$1000000 Identity Theft Insurance Policy If you are a victim of fraud we will reimburse your out of pocket costs to reinforce your financial securitydagger

Solicitation Reduction and IdentityMD Reduce unwanted calls mail and preapproved credit offers and receive guidance on how to limit exposure to fraud

foor ruoy rednu evil ro yllaicnanif uoy yb detroppus era taht slaudividni rof elbaliava si egarevoc ylimaFDagger

LEARN MORE AT MyPrivacyArmorcom Questions Call 800 789 2720

21

ldquoInfoArmor gives me peace of mind knowing my personal information is secure This is especially important in a time when data breaches seem to be occurring more and more frequentlyrdquo

ndash Mary K

What are PrivacyArmor participants saying

Sources 1) Javelin Strategy and Research 2015 Identity Fraud Report

2) Javelin Strategy and Research 2016 Identity Fraud Report

3) ITRC ldquoIdentity Theft The Aftermathrdquo 2008copy2016 InfoArmor Inc All rights reserved

2SECONDSEvery 2 seconds anidentity is stolen1

131MILLIONNumber of identity

theft victims in 20152

$15BILLION

Amount stolen fromfraud victims in 20152

165HOURS

Average time it takesto restore an identity3

ldquoI trust my company to pick an identity theft prevention company that will protect me and my familyrdquo -Lauren B

ldquoI feel confident using InfoArmor to protect me Irsquom a hard worker and I donrsquot want some hacker to steal my hard earned moneyrdquo

ndash Steve A

YOUR IDENTITY BELONGS TO YOUPROTECT IT TODAY

REYLF-LOV-PAP-TCUDORP-C2B

22

23

Legal Insurance from ARAGreg

Save Time and Money with Legal InsuranceLegal insurance helps you address everyday situations like dealing with traffic tickets resolving warranty issues or buying a home When you need help donrsquot waste time looking for the right attorney or paying costly attorney fees which average $347 per hour1

Online Resources ARAG provides online tools and useful information to learn more about legal issues on your own Use our DIY Docsreg to help you create any of 300+ state-specific legally valid documents online

In-Office Services You receive access to a nationwide network of more than 11000 credentialed attorneys who can advise and represent you

Telephone Advice You can call a Network Attorney for unlimited legal advice to help prepare documents letters or a will

What Do I Get for My Money

What Does it Cost

Debt Collection Issues $26033 $0

Neighbor Dispute $22563 $0

Purchase a Home $21693 $0

Standard Will Preparation $14753 $0

Bankruptcy $31233 $0

Minor Traffic Offense $11283 $0

Common Legal IssuesAttorney Fees

347hr1

NetworkAttorney Fees with ARAG2

Designed for Bioventus LLC

UltimateAdvisorreg Plus UltimateAdvisorreg

Resolve Your Legal Issues ndashVisit with an Experienced Attorney

When a life event turns into a legal issue yourARAG coverage is there for you Visit with aNetwork Attorney who will

bull Review or prepare documentsbull Make follow-up calls or write letters

on your behalfbull Advise you on legal issuesbull Represent you in court Family $1108 Biweekly Family $715 Biweekly

800-247-4184ARAGLegalCentercom Access Code 18222bio

24

Limitations and exclusions apply Insurance products are underwritten by ARAG Insurance Company of Des Moines Iowa GuideOnereg Mutual Insurance Company of West Des Moines Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines Iowa Service products are provided by ARAG Services LLC This material is for illustrative purposes only and is not a contract For terms benefits or exclusions call our toll-free number1Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of ex-perience Survey of Law Firm Economics The National Law Journal and ALM Legal Intelligence July 2015 2Attorney fees are 100 paid in full when using an ARAG Network Attorney for a covered legal matter 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience

copy 2016 ARAG North America Inc


Count on a wide range of coverage and services like the examples shown below that address the legal matters you encounter in life

Eligibility coverage limitations and exclusions are governed by a separate coverage document Please see the identity theft plan summary for details

Yoursquoll also receive a minimum 25 reduced fee on a Network Attorneyrsquos normal rate for any other non-covered non-excluded issues

Plan OptionsUltimate Advisorreg

Ultimate Advisor PlustradePlan Options

Ultimate Advisorreg


Ultimate Advisorreg

Ultimate Advisor Plustrade

501333


For your organizationrsquos complete list of covered matters and coverage levels visit ARAGLegalCentercom Access Code 18222bio

Consumer ProtectionAuto Repairs BuySell a Car Consumer Fraud Contractors

and More

Estate PlanningWills and Powers of Attorney

Revocable Living Trusts

Irrevocable Living Trusts

Estate Administration amp Closing (9 Hours)

FamilyAdoption

Contested Divorce (15 Hours)


Uncontested Divorce

Child Support Enforcement (8 Hours)

Post Decree Enforcement (8 Hours)

Post Decree Defense (8 Hours)

GuardianshipConservatorship

Uncontested GuardianshipConservatorship

Name Change

Prenuptial Agreements

Domestic Violence Protection

Mental Incompetency or Infirmity

School Administrative Hearings

CaregivingAnnual Checkup Advice and Services

Real EstateBuySell - Primary Residence

BuySell - Secondary Residence

Refinance - Primary Residence

Real Estate Disputes - Primary Residence

Real Estate Disputes - Secondary Residence

Neighbor Disputes - Primary Residence

Neighbor Disputes - Secondary Residence

Easement

Zoning and Variances

Building Codes

Disputes with a Landlord - Contracts Lease Eviction Deposits

Traffic and VehicleMinor Traffic - 1 Use Per Year (Excluding DWI)

Minor Traffic - Unlimited (Excluding DWI)

Driving Privilege Restoration (Excluding DWI)

Driving Privilege Protection (Excluding DWI)

Financial ServicesFinancial Education and Counseling Services

ImmigrationImmigration Services

BenefitsSocial SecurityVeteransMedicare

TaxesTax Services

IRS Audit Protection

IRS Collection Defense

State Tax Audit

Property Tax

DebtBankruptcy

Defense of Debt Collection

Foreclosure

Defense of Garnishment

CriminalCriminal Misdemeanor Defense

Habeas Corpus

Parental Responsibilities

Juvenile Court

Civil Damage DefenseLibelSlander Pet-Related Matters and More

General CoveragesSmall Claims Court

General In-Office Services (4 Hours)

Document Preparation and Review

Personal Property Protection

Premium RateFamily Biweekly $715 $1108

25

An additional way to save in your plan

Unlike a traditional pretax 401(k) the Roth 401(k) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire The following information can help you decide whether the Roth 401(k) makes sense for you

How the Roth 401(k) compares with a traditional pretax 401(k)

Just as with a traditional pretax 401(k)

bull You elect how much of your salary you wish to contribute

bull Your contributions to a Roth 401(k) and traditional pretax401(k) cannot exceed IRS limits

bull Your contribution is based on your eligible compensation

Unlike a traditional pretax 401(k) the Roth 401(k) allows you to withdraw your money tax free when you retire But it will also require you to make after-tax contributions now

Who might benefit from a Roth 401(k)

A Roth 401(k) could be a good option for

bull Younger employees who have a longer retirement horizonand more time to accumulate tax-free earnings

bull Highly compensated individuals who arenrsquot eligible forRoth IRAs but who want a pool of tax-free money to drawon in retirement

bull Employees who want to leave tax-free money to their heirs

Taxes Pay now or pay later

Traditional Pretax 401(k) Roth 401(k)

Employee contributions Pretax dollarsAfter-tax dollars

Employee withdrawalsTaxable upon

withdrawalTax free upon withdrawal

In the event of either retirement or termination your earnings can bewithdrawn tax free as long as it has been five tax years since your firstRoth 401(k) contribution and you are at least 59frac12 years old In the eventof death beneficiaries may be able to receive distributions tax free ifthe deceased started making Roth contributions more than five taxyears prior to the distribution In the event of disability your earningscan be withdrawn tax free if it has been five tax years from your firstRoth 401(k) contribution

About the Roth 401(k) option Your plan now gives you the option of contributing to a Roth 401(k) through your retirement savings plan Does a Roth 401(k) make sense for you Contact Fidelity at 1-800-835-5098 to assist with your questions

Roth 401(k) option offerstax-free retirement income

ACTION PLANbull Read this information about the Roth 401(k) option

bull Contact a tax professional for specific adviceon your personal situation or contact Fidelityat 1-800-835-5098 for assistance

26

1Will I be in a higher marginal tax rate in retirement than I will be during my working years This is a

question that nobody can answer with certainty Marginal income tax rates have declined over the last two decades If tax rates were to continue to decline a traditional pretax 401(k) might be the better option The same is true for individuals who expect their marginal tax rate to be lower in retirement as the result of a lower income

Generally

bull If tax rates stay the same a traditional pretax or Roth 401(k)will likely yield the same nest egg after taxes

bull If tax rates rise paying taxes now through a Roth 401(k)will likely yield a higher after-tax retirement benefit thana traditional pretax 401(k)

bull If tax rates decrease deferring taxes now in a traditionalpretax 401(k) will likely benefit you more at retirement

2 Can I afford to maximize my contributions and save up to the IRS limit If you can afford it making

maximum contributions to a Roth 401(k) may be a good option Since any earnings accumulate tax free rather than simply tax deferred a qualified Roth 401(k) distribution could provide more cash upon retirement than an equivalent traditional pretax 401(k) distribution would

3 Do I want to leave tax-free money to my heirs Your beneficiaries may be able to receive your Roth

account tax free if you die Additionally you can roll Roth 401(k) funds into a Roth IRA potentially delaying minimum required distributions from those amounts during your lifetime

4 Do I make too much money today to invest in a Roth IRA Unlike Roth IRAs there are no maximum

income limits for Roth 401(k) contributions Even if your income is too high to qualify for a Roth IRA you can make Roth 401(k) contributions

The Roth 401(k) Is it right for you Four questions to ask yourself

The Roth 401(k) was designed to combine the benefits of saving in your tax-deferred workplace retirement plan

with the advantage of avoiding taxes on your money when you withdraw it at retirement

If you answer yes to some or all of these questions a Roth 401(k) might be right for you

Things to remember

bull Because Roth contributions are under the same IRSlimits as pretax contributions to your plan each dollarof a Roth contribution reduces the amount that can becontributed pretax (and vice versa)

bull Your take-home pay will be less than it would be if youmade an equivalent traditional pretax 401(k) contributionbecause income taxes must be currently withheld andpaid on after-tax Roth 401(k) contributions

Sallyrsquos story

Sally earns $40000 annually and has elected to put 6 in her Roth 401(k) and 6 in her traditional pretax 401(k) each month

Roth 401(k)dagger

Traditional Pretax 401(k)dagger

Sallyrsquos monthly contribution into each account

$200 $200

Sallyrsquos reduction in take-home pay is different

$200 $150

daggerThis hypothetical example is based solely on an assumed federal income tax rate of 25 No other payroll deductions are taken into account Your own results will be based on your individual tax situation

27

It makes sense to consult a personal tax advisor before making a final decision and you can contact Fidelity at 1-800-835-5098 for assistance but this short checklist can help you focus on the key considerations

Decision checklist

1 Do you expect to be in a higher tax bracket inretirement than you are now

Yes No

2 Can you afford to maximize your contributions now Yes No

3 Do you want to leave tax-free money to your heirs Yes No

4 Do you earn too much to be eligible for a Roth IRA Yes No

If you answered yes to some or all of these questions a Roth 401(k) might be a good option for you

Make an informed decision for your retirement readiness

Your retirement plan now gives you the choice of contributing to a traditional pretax 401(k) option a Roth 401(k) or a combination of the two Whether you choose the Roth 401(k) really depends on which option is likely to benefit you most in the future

HERErsquoS HELPbull Log on to Fidelity NetBenefitsreg and click the

Library tab

bull Call Fidelity at 1-800-835-5098 to speak with aFidelity representative

bull Contact a tax professional for specific advice onyour personal situation

Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

The following is a summary of changes for 2017

Whatrsquos Changing in 2017

New Teladoc benefits

The new Teladoc benefit provides convenient and affordable care from your mobile device or computer This enhancement effective January 1 2017 is included in all three Bioventus Medical Health Insurance Plans See below for more information

More HSA dollars from Bioventus

The Companyrsquos contribution to your Health Savings Account (HSA) will increase to $750 for those enrolled in the High-Deductible Health Plan (HDHPHSA) plan as an individual and $1500 for those enrolled as a family See page 4 for more information

Four new voluntary benefit options

In an effort to offer the most meaningful benefits to meet the needs of our diverse workforce we are introducing new voluntary benefits

bull Allstate Benefits Group Accident Insurance (two coverage levels available)bull Allstate Benefits Group Critical Illness Insurance (two coverage levels available)

bull InfoArmor Identity Financial and Privacy Protection Programbull ARAG Legal Insurance (two coverage levels available)

If you enroll in the Bioventus HDHPHSA plan during this Open Enrollment period Bioventus will cover the full cost of either the Accident ($5k) or Critical Illness (Basic) coverage for 2017 See pages pages 8-10 for more information

A new Roth 401(k) Effective January 1 2017 your plan now gives you the option of contributing to a Roth 401(k) now with after-tax dollars and then withdrawing tax-free dollars from your account when you retire See pages 25-27 for more information

HealthDental prem payroll deductions

Bi-weekly payroll deductions for the Choice Plus Purple Medical Health Insurance Plan and the Dental Health Insurance Plan will increase See page 3 for more detail

Whatrsquos Changing for 2017

2

Teladoc

Teladoc is an easy convenient and affordable option for quality medical care Their licensed doctors can treat cold and flu symptoms respiratory infections sinus problems ear infections and more

Here is how it worksTo get started register online on the Teladoc mobile app or by phone (see below) During registration yoursquoll complete your medical history so when you need Teladoc itrsquoll be fast and easy With your consent Teladoc is happy to provide information about your Teladoc consult to your primary care physician

Once registered you can speak with a licensed doctor within minutes Anytime or anywhere Simply1Go online to Teladoccom or FacebookcomTeladoc2Call 1-855-Teladoc (835-2362) or3Use your mobile phone at Teladoccommobile

The Purple and Bronze Plans will cover Teladoc Medical Health Insurance consultations at 100 ndash participants pay nothing For those enrolled in the HDHPHSA the IRS guidelines require that the plan apply the deductible to these services But since each consultation costs only $40 you will still save

Voluntary Benefits

Announcing four new benefit programs for 2017The first two programs - Allstate Benefits Group Critical Illness Insurance and Allstate Benefits Group Accident Insurance - are considered ldquosupplemental medical protectionrdquo plans and are designed to help fill gaps in your health plan by paying for expenses you would normally pay out-of-pocket While these programs are available to all employees regardless of your medical plan enrollment there is a special advantage to those who enroll in the HDHPHSA plan Bioventus will pay the full cost for one of these supplemental medical protection plans if you enroll in the HDHPHSA during this Open Enrollment period

You may also enroll in the new InfoArmor Identity Financial and Privacy Protection Program as well as Group Legal Insurance All of these voluntary benefits are available to you at a low cost that you can pay through the convenience of payroll deductions

Take a closer look at whatrsquos available to you during Open Enrollment on pages 8-10

Planning for 2017




Choice Plus Purple


Employee only $7185 $4321 $2427


$16766 $11523 $9708

Family $23053 $15845 $13348

















Dental Vision



Family $2107 $946









3







What Is an HSA










Employee $3400

Employee + 1 $6750

Family $6750



4

















MoRe ABouT HSAs












5
















6






















7



Voluntary Benefits

8
















25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113






bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

Planning for 2017




Choice Plus Purple


Employee only $7185 $4321 $2427


$16766 $11523 $9708

Family $23053 $15845 $13348

















Dental Vision



Family $2107 $946









3







What Is an HSA










Employee $3400

Employee + 1 $6750

Family $6750



4

















MoRe ABouT HSAs












5
















6






















7



Voluntary Benefits

8
















25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113






bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70







What Is an HSA










Employee $3400

Employee + 1 $6750

Family $6750



4

















MoRe ABouT HSAs












5
















6






















7



Voluntary Benefits

8
















25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113






bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

















MoRe ABouT HSAs












5
















6






















7



Voluntary Benefits

8
















25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113






bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70
















6






















7



Voluntary Benefits

8
















25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113






bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70






















7



Voluntary Benefits

8
















25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113






bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70


Voluntary Benefits

8
















25-29 $027 $042 $027 $042 30-34 $049 $074 $049 $074 35-39 $078 $118 $078 $118 40-44 $131 $196 $131 $196 45-49 $204 $307 $204 $307 50-54 $315 $473 $315 $473 55-59 $471 $706 $471 $706 60-64 $711 $1066 $711 $1066 65-69 $1057 $1585 $1057 $1585 70-74 $1373 $2058 $1373 $2058 75-79 $1638 $2458 $1638 $2458 80+ $2075 $3113 $2075 $3113






bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70





bull Ambulance fees



bull Family lodging



















$3500 $1600 $3200

Fracture (tibia) $6000 $4000 $8000


X-rays $170 $100 $200



$400 $120 $240

MRICat Scan $1500 $50 $100



$50 $10 $20

ToTAL $13270 $6305 $12610


9



Basic $296 $512 $688 $842

Premier $592 $1024 $1376 $1682

Example










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70










Bi-Weekly Cost











Bi-Weekly Cost





10


How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

How Do I Enroll

11

Steps

1 Log into WorkDay






















12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70












12

CONTINUED






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70






















CONTINUED

13








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70








Benefit Contact







14






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70






15









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70









16

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

















cLAiM




Bioventus LLc






18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

18





















Complete Blindness

Employee only




Benefits





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70





cLAiM










Bioventus LLc









19

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

20













X-ray Urgent Care


















Benefits











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70











PRIVACYARMORreg








21


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70


ndash Mary K








$15BILLION


165HOURS




ndash Steve A



22

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

23







What Does it Cost








347hr1









24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

24









Ultimate Advisorreg


Ultimate Advisorreg


501333




and More





FamilyAdoption



Uncontested Divorce






Name Change













Easement


Building Codes









TaxesTax Services



State Tax Audit

Property Tax

DebtBankruptcy


Foreclosure



Habeas Corpus


Juvenile Court







25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

25
























26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

26



Generally














Things to remember



Sallyrsquos story


Roth 401(k)dagger



$200 $200


$200 $150


27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

27


Decision checklist


Yes No








Library tab



Button 21

Button 2

Button 3

Button 22

Button 23

Button 6

Button 7

Button 8

Button 9

Button 10

Button 11

Button 12

Button 13

Button 35

Button 36

Button 37

Button 38

Button 39

Button 40

Button 16

Button 17

Button 24

Button 25

Button 28

Button 27

Button 29

Button 30

Button 31

Button 32

Button 71

Button 72

Button 73

Button 74

Button 41

Button 42

Button 43

Button 44

Button 45

Button 46

Button 49

Button 50

Button 51

Button 52

Button 53

Button 54

Button 55

Button 56

Button 63

Button 64

Button 65

Button 66

Button 67

Button 68

Button 69

Button 70

2017 Open Enrollment Guide - Bioventus · 2019-07-27 · 2017 Open Enrollment Guide Welcome to the...

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Transcript of 2017 Open Enrollment Guide - Bioventus · 2019-07-27 · 2017 Open Enrollment Guide Welcome to the...