Page 2 • Annual physical examination • Any medically accepted Cancer screening • Bone density screening • Cardiac exercise stress test • Dental examination • Diabetes tests • Electrocardiogram (ECG)-resting or stress Qualifying exams and screenings for Wellness Screening Benefit There are several exams and screenings that qualify for the annual benefit. Below is an illustration of some of the covered exams and screenings: • Immunizations • Interscholastic Sports Physical Exam • Lipid panel (cholesterol, triglycerides, HDL, LDL) • Mental health screening • Smoking cessation program • Vision examination • Weight reduction program Coverage Details Coverage Basis 24-Hour Age Reduction None Maternity Waiting period No Waiting Period Pre-Existing Condition Limitation None Annual Maximum Payout Unlimited Lifetime Maximum Payout Unlimited Portability To age 70 Understanding your benefits Frequently Asked Questions When can I enroll? You can enroll when you are initially eligible for benefits and any subsequent annual enrollment or life status change. Do benefits have to be used for medical expenses? You decide how to use your benefit payment: • Out-of-pocket medical costs, including deductibles and co-pays • Rehab costs • Rent or mortgage payments • Groceries • Utility or credit card bills • Childcare • Other financial support What is hospital indemnity insurance? Group hospital indemnity insurance provides cash benefits for stays in a hospital and some related therapies. Our plan pays higher benefits for more serious hospitalizations. Why should I buy hospital indemnity? Hospital indemnity insurance helps cover unexpected expenses related to a hospitalization, which can be costly. While major medical insurance covers the majority of costs of a hospitalization, there are typically still out-of-pocket costs, such as deductibles or co-pays, in addition to added expenses outside the hospital due to your or a family member’s hospitalization. What is a wellness benefit? Insureds are eligible to receive an annual benefit amount when they undergo any eligible exam or screening from the covered list. How do I learn more about my benefits? Go to www.equitable.com/employeebenefits and log on to EB360® to view your account details. • • • • • • • • • • • • • • • • • • • • •