PLAN

YEAR
August 1, 2014 thru
July 31, 2015


2014-15
OPEN
ENROLLMENT
GUIDE

Refresh. Review. Renew.





























1
RENEW
YOUR BENEFITS
FOR 2014-15
Ag-Pro offers you a comprehensive benefit package to help you manage
your physical, financial and personal health. That sense of well-being in
every aspect of your life is what we call total health, and it's important to
us. We believe the health of our people is directly related to the health of
our company. Why? Because when you're healthy, you're at your bestat
work, at home, at play.

Take a look at your family's needs for 2014-15, review What's New for
2014, and if changes are necessary, update your benefits online July
14th through noon July 18, 2014.
CALENDAR OF EVENTS - IMPORTANT DATES
Before
July 14, 2014
Update personal and dependent information online so you can make
elections during Annual Enrollment Period. This includes any children
up to age 26 who are eligible for Medical, Dental or Vision coverage.
July 14, 2014 Annual Open Enrollment begins.
July 18, 2014 Annual Open Enrollment ends at noon.
August 1, 2014
New elections take effect and remain in effect through July 31, 2015
unless you change your elections due to a qualied change in family
status.
Whats
New for
2014?

Now it's time to update
your gr oup i nsurance
benefits to make sure
you' re enrol l ed i n the
benefits that best fit your
life situation.



Open Enrollment for Medical, Life, Dental, Vision, Disability, Critical
Illness and Accident plans ends at noon on July 18th. Your new Plan
Year elections will become effective on August 1st. Take a look at your
family's needs, review all your benefit options and if changes are
needed, please login at myagprobenefits.com to update your elections
during Open Enrollment, July 14 - 18.

IMPORTANT!: You must login and update any
change in elections needed for
the 2014-15 Plan Year during Open Enrollment.

If no changes are needed, there is no action required and your
current elections will carry over into the new plan year.

But before making your decision,
please review the following pages for important updates:

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MEDICAL INSURANCE

Ag-Pro will continue to offer the HSA and Copay medical plans as an
employer sponsored benefit. Regardless of which plan and coverage
level you choose, Ag-Pro will contribute $315 per month towards the
cost of your medical insurance. Please note the following:

* Starting in the new plan year (August 1st), all Deductibles, Co-
insurance, and Copays will count toward your out of pocket maximum,
allowing you to reach 100% coverage quicker when medical claims
start to grow.

*United Healthcare will issue new ID cards. Please destroy your old ID
card and present your new card for all services after 8/1/14.

Below is a summary of the new payroll deduction and benefits for each
plan. The Summary of Benefits & Coverage (SBC) for each plan is
posted online at the Ag-Pro benefit website (written copies available
upon request).

FEATURE HSA PLAN COPAY PLAN
DEDUCTIBLE $2,750 $2,500
CO-INSURANCE % 10% 20%
OFFICE VISITS DEDUCTIBLE &
CO-INSURANCE
$40 PRIMARY COPAY /
$80 SPECIALIST COPAY
PRESCRIPTIONS DEDUCTIBLE,
THEN $10/35/60 COPAY
$15 / $45 / $85
COPAY
OUT OF POCKET MAXIMUM $6,000 $6,000
EMPLOYER HSA
CONTRIBUTION
$40 / PAY PERIOD N/A
Bi-Weekly
Payroll Deductions
Employee Only $86.99 $75.66
Employee + Spouse $298.60 $318.81
Employee + Children $260.13 $274.60
Family $471.74 $517.75
3

DENTAL INSURANCE

The Ag-Pro Dental plan will have a slight adjustment in premiums for
the 2014-15 Plan Year. The new payroll deductions are:

$10.98/pay period - Employee Only
$21.72/ pay period - Employee + Spouse
$28.25/ pay period - Employee + Children
$40.08/pay period - Family

Guardian will issue new Dental ID cards. Please destroy your old ID
card and present your new card for all services after 8/1/14.

VOLUNTARY LIFE & CRITICAL ILLNESS

The Voluntary Life and Critical Illness plans remain unchanged.
However if you have entered a new age bracket as of August 1st, your
premium will change. Please login at myagprobenefits.com for details.

Please Note: You must complete an Evidence of Insurability form if
you are adding or increasing coverage. The form is available online;
please print, complete and turn into your HR Department.

DISABILITY

Ag-Pro will update your earnings effective August 1st. Your disability
benefit and premium will be adjusted based on your most recent
earnings. In addition, you may realize a premium adjustment due to
age change on the Long-term Disability plan. Details are available at
myagprobenefits.com.

Please Note: You must complete an Evidence of Insurability form if
you are adding coverage. The form is available online; please print,
complete and turn into your HR Department.

ACCIDENT

There are no changes in rates or benefits for the 2014-15 Plan Year.


4
Frequently Asked Questions

How to Make Your 2014 - 15 Elections?
Directions to enroll online are available in the back of this handbook.
Once you login, your current Plan Elections will be shown:
- Verify your address and dependents
- Review your elections and make changes as desired
- Make sure you confirm your enrollments upon completion
- Designate beneficiaries for Basic Life and Voluntary Life (if elected)

What changes may be made during Open Enrollment?
You may enroll or terminate employee and/or dependent coverage in all plans for the
new plan year. Adding coverage may be subject to evidence of insurability.
What changes may be made outside of Open Enrollment?
Insurance plan elections may only be changed during Open Enrollment unless there is a
qualifying change in status during the Plan Year. You must notify the HR Department
within 30 days of a qualifying event that occurs outside of Open Enrollment if you want
to make changes. A list of Qualifying events may be found on your Employee Benefit
homepage, login at myagprobenefits.com to view.
How can I verify my current benefit elections?
The following pages have instructions on how to access your Employee Benefit Portal
website. The website contains valuable information regarding your Group Benefits such
as your current elections, benefit summaries, plan cost, SBCs, links to carrier websites,
and forms.
What Forms MUST be completed?
If you decide to keep your current Group Insurance Plan elections for the upcoming
2014-2015 Plan Year, no action is needed. Your current benefit elections will
automatically renew. If you need to make election changes, please login at
myagprobenefits.com and complete your new elections.
Is Evidence of Insurability required to add coverage?

An Evidence of Insurability (EOI) form is required if you have previously been eligible to
enroll in coverage and are now considering adding or increasing coverage on the
Voluntary Life, Disability, or Critical Illness plan. The Guardian EOI form may be
downloaded on your homepage at myagprobenefits.com.


5





Go to www.myagprobenefits.com , enter the
Open Enrollment password enrollnow and
click on the Authenticate button
If you are ready to go to the online enrollment system
immediately, click on Click Here to Enroll Now
Online Benets and Open Enrollment Guide
A copy of the Open Enrollment Guide and Evidence of Insurability
Forms are available for viewing and printing.
6


If you dont recall your password, AGPRO is the Company Identifier
on the New User Registration and Password Reset.

A video located at myagprobenefits.com

is available to guide you through the enrollment process



For added convenience you may download
the Employee Navigator app for your iPhone or Android for
year round access to your plan information.
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Contact Information

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

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

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

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

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

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


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


BI G OA K AD V I S O R S

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



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