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Panum Group, LLC

Medical/Dental Insurance

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PANUM GROUP

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A New Health/Dental Insurance Benefit Policy is in effect since 5/1/09. Three options are offered: (1) A Base Plan - Health Savings Plan, (2) Option 1– an HMO Plan and (3) Option 2 - an HMO with Opt-out Open Access. Please refer to the details of these plans prepared  by the Company's insurance Representative, The Jordan Insurance Group. The document may be accessed via: http://panum.com/intranet/Panum_Health_Benefit_Details_2009.pdf

Enrollment Forms: To enroll, please select, complete and fax to 301-299-4216 the applicable Panum Health Insurance Application Form for the desired option:

· Base Plan – HSA Open Access HMO Blue Choice: http://panum.com/intranet/HMO_HSA_EE_App.pdf

· Option 1 – HMO Blue Choice:  http://panum.com/intranet/HMO_EE_App.pdf

· Option 2 (Plan in effect since 5/1/2008) – Open Access Blue Choice: http://panum.com/intranet/Enrollment_Form.pdf

Cost Summary:

For Employee only Coverage,

· The employee is only responsible for $ 72 per month for the Base Plan cost including Dental.

· The Company pays 100% of the deductible  ($1,200).

· If an employee chooses either Option 1 or Option 2, it will be the responsibility of the employee to pay for the difference in cost.

For Spouse and Dependent coverage,

· Payment of the coverage cost is the sole responsibility of the employee except:

Panum will contribute $1,200/year towards dependents' full deductible if an employee opts for the Base Plan (HSA) or contribute $100 per month towards monthly health/dental insurance premium if an employee chooses Option 1 or Option 2.

Details of the actual cost for various plans prepared by the insurance company, Blue Cross Blue Shield may  be seen at:

                http://panum.com/intranet/Panum_Health_Benefit_Summary_2009.pdf

For any questions about the above, please contact Shana Bowen of the Jordan Group at (410) 312-0811 or via email at SBowen@jordangroupinsurance.com