Docstoc

Your medical care options offer coverage for medical ... - Genworth

Document Sample
Your medical care options offer coverage for medical ... - Genworth Powered By Docstoc
					GENWORTH FINANCIAL

   MEDICAL PLAN




  Effective January 1, 2008
              GENWORTH FINANCIAL MEDICAL PLAN




                           TABLE OF CONTENTS


      INTRODUCTION – KEY FEATURES

1.    ELIGIBILITY AND PARTICIPATION

2.    COST OF COVERAGE

3.    END OF COVERAGE

4.    HOW THE PLAN WORKS

5.    WHAT THE PLAN COVERS

6.    WHAT’S NOT COVERED?

7.    PRESCRIPTION DRUGS

8.    MENTAL HEALTH AND SUBSTANCE ABUSE TREATMENT

9.    HIPAA RIGHTS

10.   CLAIMS AND APPEALS PROCEDURES

11.   ADMINISTRATIVE INFORMATION

12.   POST AGE 65 RETIREE COVERAGE

      APPENDIX A – BI-WEEKLY PAYROLL DEDUCTIONS

      APPENDIX B – IMPORTANT DEFINITIONS

      APPENDIX C – CREDITABLE PRESCRIPTION DRUG COVERAGE NOTICE
                                INTRODUCTION – KEY FEATURES

        The Genworth Financial Medical Plan (the “Plan”) provides access to care through a network
of providers selected by Genworth Financial, Inc. (the “Company”). Costs are lower and coverage is
greater if you stay within the network. You may also receive care out-of-network, but at a higher cost.
When you use network providers, there are no claim forms.

Each of the medical care options offers broad medical coverage, including:

   •   Preventive care and health screenings;
   •   Doctor office visits;
   •   Surgery, tests and other services;
   •   Hospitalizations;
   •   Prescription drugs; and
   •   Mental health and substance abuse treatment.

        Benefits under the Plan are administered by Anthem Blue Cross and Blue Shield (“Anthem”).
For the purposes of this Plan, a same-sex domestic partner (or opposite-sex if registered in California)
is considered a spouse.

Key Facts to Know

You can receive care either         You should choose a primary care physician within the network -
through a network of health         your key to coordinated care and maximum benefits. Network care
care providers or outside the       performed by your primary care physician is performed at a
network.                            discounted allowable charge. For certain services, you pay a 15%
                                    co-insurance. In addition to the co-insurance, a deductible may need
                                    to be met by the employee before your medical insurance will pay a
                                    portion of the bill.

In an emergency...                  You receive network level coverage at urgent care facilities and in
                                    hospital emergency rooms, whether you go to a network or an out-
                                    of-network provider. You or your representative will need to call
                                    the benefits administrator by the end of the next business day if
                                    you’re admitted to the hospital. Any follow-up care must be
                                    coordinated by your primary care physician.

Convenient access to                •    Log on to http://www.yourbenefitsresources.com/genworth or
information about your                   call the Genworth Benefits Center at 1-866-436-9784.
medical Plan options and            •    The website and automated telephone system are available 24
coverage.                                hours a day, Monday through Saturday (and after 1:00 p.m.
                                         Eastern time on Sunday).
                                    •    You can call 1-866-436-9784 from 8:00 a.m. to 9:00 p.m.
                                         Eastern time, Monday through Friday, to speak to customer care
                                         specialists.
                                    •    TTD/TTY service is available at 1-866-436-9784 from 8:00
                                         a.m. to 9:00 p.m. Eastern time, Monday through Friday.
       The Plan offers medical care options that are designed to help you stay healthy through good
preventive care and to protect you from the high costs of illness and injury. You choose the option that
best meets your needs and the needs of your family:

You have the opportunity to change your           Once each year during annual enrollment,
medical care option…                              usually held each fall, and whenever you move
                                                  into or out of a network service area. Changes
                                                  are allowed during the year if you have a
                                                  qualified status change.

If there is other coverage, benefits are          If another plan provides your primary
coordinated to prevent duplication of payments    coverage, the Company pays any difference
- a feature called maintenance of benefits.       between what you receive from your primary
                                                  plan and what you would have received if your
                                                  Company plan were the only coverage. You
                                                  will never pay more than if the Company plan
                                                  had been your only coverage.

If your spouse is also a Company employee:        Enroll both yourself and your spouse
                                                  individually as Company employees or have
                                                  the lower paid employee cover the higher paid
                                                  employee.

If your spouse’s employer (other than the         • Be covered by his or her employer and
Company) offers medical coverage, your              receive no Company coverage, no spousal
spouse can choose to:                               surcharge;

                                                  • Be covered by his or her employer and also
                                                    be covered by the Company as your
                                                    dependent, no spousal surcharge; or

                                                  • Waive his or her employer’s coverage and
                                                    instead be covered by the Company as your
                                                    dependent. In this case, you’ll pay an
                                                    additional contribution or “spousal
                                                    surcharge” for your dependent coverage of
                                                    $85 bi-weekly.




                                                   2
Summary of Medical Care Options

        The following describes the major provisions of the Company’s medical care coverage:

Features                        Medical Care Options           Medical Care Options
                                In-Network                     Out-of-Network

CALENDAR YEAR                   Employee Only: $100 per        Employee Only: $400 per
DEDUCTIBLE                      year.                          year

Deductible must be met          Employee + Spouse or           Employee + Spouse: $800
before any benefits are         Employee + Child(ren): $200    per year
payable.                        per year.
                                                               Employee + Child(ren):
In-network and out-of-          Employee + Family: $300        $800 per year
network deductibles cannot      per year
be added together in order to                                  Employee + Family: $1,200
satisfy a deductible.                                          per year

ANNUAL OUT-OF-                  Employee Only: $450 per        Employee Only: $2,500 per
POCKET MAXIMUM                  year                           year

(does not include               Employee + Spouse or           Employee +Child(ren):
deductibles)                    Employee + Child(ren): $800    $3,000 per year
                                per year
Once an out-of-pocket has                                      Employee + Spouse: $3,500
been met for the year,          Employee + Family: $900        per year
benefits for the rest of that   per year
year are payable at 100%.                                      Employee + Family: $5,500
                                                               per year

CO-INSURANCE

Portion Genworth pays after     15% Co-Insurance Rate          30% Co-Insurance Rate
your co-pay and deductible
have been met.




                                                3
In-Network versus Out-of-Network Care

In-Network (BlueCard PPO Providers)                Out-of-Network

You go to an in-network provider.                  You go to any provider.

You pay a co-insurance for non-preventive          You pay for all services at out-of-network
care services after the deductible has been met.   rates.

You pay a deductible for non-preventive care       You must meet a deductible and then pay a
services.                                          30% co-insurance of all allowable charges.
                                                   You pay any charges in excess of allowable
There are no claim forms to file.                  charge cost.

                                                   You file claim forms.



Key Things to Do

        Choose a primary care physician - to coordinate your overall care. You can choose a
different primary care physician for each of your covered family members.

       Use your primary care physician - for basic medical and preventive care.

       Schedule preventive care - Assess your risk for certain diseases and illnesses through periodic
physicals, screenings and other preventive care services that are available. Then work with your
primary care physician to create a plan to keep your health risks low or decrease them. Also, ask your
human resources representative about any additional services that may be offered where you work.

       Use a network pharmacy or the Medco By Mail program - to purchase prescription drugs.

   •   Use a network pharmacy - for short-term prescriptions.
   •   Use Medco By Mail - for medicines you need routinely.

       Reduce your out-of-pocket medical costs - Open a Genworth Flexible Spending Account
each year to pay your share of medical expenses not covered by medical insurance with pre-tax dollars.


In Special Cases …

       In an emergency - get help immediately if you have an injury or illness that, if not treated
immediately, would, in the judgment of a reasonable person, jeopardize your life or seriously impair
your health. If you’re admitted to the hospital, call the benefits administrator by the end of the next
business day.

        If you go out-of-network - the Plan covers out-of-network care, although at a higher cost to
you. You’ll need to file claim forms to be reimbursed for covered services. Be aware that your share
of the cost of services will increase.

       If you’ve been told that you need a transplant - make sure that your physician knows that
                                                    4
you have access to a transplant network.

For more information

       Look to http://www.yourbenefitsresources.com/genworth - Through the web site, you can
check on your current enrollment status, locate network providers, get answers to frequently asked
questions and more. You’ll need your Social Security Number and birth date. You will find additional
information, tools and resources on the Company’s Healthcare website:
www.genworth.com/yourhealth

1.     ELIGIBILITY AND PARTICIPATION

Who is eligible?

       You are eligible to enroll in the Medical Plan if you are
              1)         An employee scheduled to work at least 20 hours per week and are on the
                         active payroll of Genworth or a Genworth affiliate that participates in the
                         Plan, or
              2)         A retiree who meets the age and service requirements below who retires after
                         the Effective Date of the Plan.

       Employees who are at least 55 years of age with 25 years of service or at least 60 years of age
with 10 years of service are eligible to retire and may only enroll in Genworth’s Medical and
Prescription Drug Plan if they were employees of Genworth Financial on December 31, 2004. If you
terminate your employment after December 31, 2004 and then return to active employment at
Genworth, you forfeit this feature.

You are not eligible to enroll in the Plan if you are:
   • Employed by an affiliate that does not participate in the Plan;
   • An individual classified by the Company as a Relief Employee
   • An individual classified by the Company as a leased employee, contingent worker or as an
       independent contractor;
   • An individual engaged under an agreement that states you are not eligible to participate in the
       Plan;
   • Any other individual who provides services to the Company but is not on active payroll of the
       Company;
   • In any other special classification of employees that is not eligible, as determined by the
       Company, such as interns and other temporary employees;
   • A former employee over age 65; or
   • A former employee not eligible to retire.

Your dependents

       If you’re eligible to enroll in the Plan, you also may enroll your eligible dependents. Note that
for your eligible dependents to be covered under the Plan, you must be covered yourself, and they must
be covered under the same option in which you are enrolled.

       Your eligible dependents include:

           •   Your spouse
                                                   5
           •   Your same-sex domestic partner (or registered opposite sex domestic partner in
               California)
           •   Your unmarried children:
                  - Up to age 19; and
                  - Up to age 25 who are full-time students and who principally depend on you for
                      financial support.
           •   Your adopted children or children placed with you for adoption
           •   Your stepchildren who live with you
           •   Children of a same sex domestic partner (or registered opposite sex domestic partner
               where required by applicable state law)
           •   Other children who live with you permanently, depend solely on you for support and for
               whom you or your spouse is the court-appointed permanent guardian.
           •   Dependent children who are disabled (see below).

What if a dependent child is disabled?

        In the case of a child who prior to age 25 is incapable of self sustaining employment due to
mental or physical disability, Genworth medical, dental and vision coverage may continue up to the
earlier of date of recovery or age 65. Once a dependant child’s coverage stops after age 25, it cannot
begin again even if he or she later becomes disabled.

       If a covered dependent child becomes disabled while covered under the Plan, and you terminate
employment with Genworth, your disabled dependent child may remain covered during any severance
pay period, if applicable, and then would be eligible for COBRA coverage.

       If a dependent child becomes disabled while covered under your spouse’s plan at another
company or business, then you may add the disabled dependent child as a covered dependent under the
Genworth Plan based on a qualified status change. Coverage may continue until the earlier of age 65
or when the dependent is no longer disabled, as long as you remain eligible and continue the
dependent’s coverage.

If your spouse is also a Company employee, you may choose to:

   •   Enroll only one of you as a Company employee. The spouse with the higher salary may be
       covered as a dependent of the lower-paid employee; or
   •   Enroll both yourself and your spouse as Company employees.

What if my spouse is under age 65 and I am a retiree over age 65 and eligible for post age 65
coverage?

       Your spouse may continue coverage until he/ she reaches age 65 and will then be eligible for
post age 65 coverage as well.

If your child is a Company employee

        If both you and your child are eligible Company employees, you cannot cover your child under
the Plan as your dependent. If your child is eligible for coverage, he or she must enroll as an
employee.



                                                    6
How do I enroll when I first become eligible?

        When you first become eligible, you’ll receive information about your medical care options
under the Plan, including enrollment instructions. When you first become eligible for coverage under
the Plan, you have a 60-day enrollment opportunity to specify the coverage you want. If you have
questions, you can call the Genworth Benefits Center at 1-866-436-9784 or log on to
http://www.yourbenefitsresources.com/genworth.

How to waive coverage

       If you do not want any medical coverage from the Company when you are first eligible, you
can waive coverage. If you choose to waive coverage, be sure to notify the Genworth Benefits Center.
Waiving medical coverage will also waive prescription drug, mental health and substance abuse
treatment, and vision coverage. You must enroll in the Dental Plan or waive Dental Plan coverage
separately.

       If you do not enroll in medical coverage within 60 days of becoming eligible, you will have no
coverage.

When can I make changes to my coverage?

        Once each year, during annual enrollment, you may enroll if you are not already participating,
cancel coverage for the upcoming year, or switch to another medical care option. Your coverage under
the new option is effective on the following January 1 or the date announced during the enrollment
period.

       Once your coverage begins, generally you may not change it until the next annual enrollment
period. However, you will have the opportunity to change your coverage if you have a qualified status
change, such as adding a new dependent, losing coverage under another medical plan or other status
changes as described below. You have 60 days to enroll or make these changes.

What is a qualified status change?

Qualified changes in status include:

   •   Your marriage, divorce or legal separation;
   •   Birth, adoption or marriage of a dependent;
   •   Death of your spouse or a dependent;
   •   Start or end of your spouse’s employment;
   •   Your spouse’s involuntary loss of health coverage;
   •   Your removal from the active payroll, for example, because of disability, layoff, leave of
       absence or strike, including leaves under the Family and Medical Leave Act of 1993 (FMLA);
   •   Your transfer to a new work location requiring a change in your Company-sponsored medical
       coverage; and
   •   Your or your spouse’s entitlement to Medicare.

   If you have a qualified status change and you want to change your coverage, you must do so within
60 days after the status change.

                                                  7
Adding a new dependent

        To cover a new dependent (such as a new spouse or child) after you enroll, you may do so at
http://www.yourbenefitsresources.com/genworth or by calling the Genworth Benefits Center at 1-866-
436-9784.

     •   If you don’t already have dependent coverage - you’ll need to enroll for dependent coverage
         within 60 days after your dependent becomes eligible (such as within 60 days after your
         marriage date or your child’s date of birth, adoption or placement for adoption).

     •   If you have dependent coverage - you’ll need to provide your date of marriage (if applicable)
         and each newly eligible dependent’s name, birth date and Social Security number to the
         Genworth Benefits Center within 60 days. (Note that you need to call separately for both
         Medical Plan and Dental Plan coverage.)

        If you are not enrolled when you add a new dependent to your family as part of a qualified
status change (e.g., marriage, birth or adoption), you may enroll yourself, or yourself and any other
eligible dependents not already covered under the Plan.

     •   You must enroll yourself, or yourself and your eligible dependents within 60 days after adding
         a new dependent. Coverage is effective on the date you added the new dependent to your
         family.

If you lose other coverage

        If you or your dependents lose coverage under another medical plan (such as a spouse’s plan at
work) and you are not covered under the Genworth Plan, you may enroll yourself and your eligible
dependents in the Genworth Plan within 31 days of losing your other coverage. Coverage is effective
on the date the prior coverage ends.

If you have a pre-existing medical condition

         The Genworth Plan does not impose coverage limitations on any pre-existing conditions.

2.       COST OF COVERAGE

How much does coverage cost?

        The Company pays the major share of the cost to provide you with medical coverage. To
participate, you contribute your share of the premiums through payroll deductions.

        To help lower the cost to you, your contributions are deducted from your pay on a pre-tax basis
- before federal, state and Social Security taxes are calculated. These pre-tax contributions lower your
taxable income, so you owe less in income and Social Security taxes. For more information on the
benefit of pre-tax contributions, refer to the summary of the Genworth Financial Flexible Benefits
Plan.

       Your contributions for coverage are based on your Benefits Pay (defined in the attached
Appendix B), the medical care option you choose, and the number of family members you enroll. If
your pay changes on or before August 1 of any year, your contributions for coverage will be adjusted

                                                    8
as of the next following January 1. If your pay changes after August 1 of any year, contributions for
coverage will be adjusted as of the second following January 1 thereafter. For example, if you receive
a pay increase on October 1, 2007, your contribution adjustment for medical coverage will not be
affected until January 1, 2009.

        Employees whose Benefits Pay is under $50,000 will receive a partial reimbursement for their
deductible and out-of-pocket expenses for in-network coverage. This reimbursement arrangement will
be available for five years following the effective date of this Plan. Employees must maintain service
with the company to be eligible for the reimbursement. New hires after September 27, 2005, will not
be eligible for reimbursement, nor will employees who leave the Company after September 27, 2005,
and return to the Company.

        Employees will qualify for reimbursements for the year if their Benefits Pay is under $50,000
as of January 1, even if they receive an increase to $50,000 or more later in that year. Their
reimbursement would cease as of January 1 of the following year.

       For a current list of monthly costs, see Appendix A, “Bi-Weekly Payroll Deductions.”

What if my spouse’s employer offers coverage?

        If you enroll for dependent coverage through the Company and your working spouse does not
enroll in medical coverage offered by his or her employer (that is, an employer other than the
Company), you’ll need to pay an additional contribution each bi-weekly pay period. The additional bi-
weekly contribution amount is $85.00 for full time and part time employees. If, however, your working
spouse does elect coverage at his/her company, and still wants to be covered under Genworth’s
Medical plan as secondary coverage, there is no spousal surcharge. See additional detail in the section
below: “When Your Spouse has Coverage at Work”.

        You will be asked to certify periodically that your working spouse has coverage, and to provide
information about that coverage, or to certify that his or her employer does not offer medical coverage
in order to avoid the additional payroll deduction. If you do not respond, the additional payroll
deduction is applied automatically. This deduction also will be made on a pre-tax basis.

       Your additional bi-weekly contribution is subject to change on the effective date of your
spouse’s employment or medical coverage status.

       Company employees who are not on the active payroll and retirees are not required to pay this
additional contribution.

What if there is other coverage?

        The Plan, like many employer-sponsored plans, has maintenance of benefits feature. This
feature is designed to prevent duplication of payments when you or your dependents are covered by
another group medical plan, such as a spouse’s plan at work or Medicare.

        Under maintenance of benefits, the plan that is primarily responsible for a person’s expenses -
the plan that pays benefits first - is considered the primary coverage for that person. If another plan is
primary, the Company pays the difference, if any, between what you receive from the other plan and
what you would have received if your Company plan were the only coverage, according to plan
provisions. You will never pay more than if the Company plan had been your only coverage.

                                                     9
        The out-of-pocket cost calculations used to determine maintenance of benefit payments are
based only on covered expenses under the medical care option you have selected under the Plan. This
is the same way your annual out-of-pocket maximum is determined.

        To receive payment on a claim when your Plan coverage is secondary, you must submit a claim
form, including a copy of the Explanation of Benefits from the primary insurance plan, to your benefits
administrator.

       You’ll be required to provide information that the benefits administrator needs to prevent
duplication of benefits.

When your spouse has coverage at work

       Here’s how maintenance of benefits works when your spouse has employer-sponsored medical
coverage:

   •   For you - Your Plan coverage is your primary coverage, if you’re enrolled. Submit your
       medical bills to the Genworth Plan first, then to your spouse’s plan.
   •   For your spouse - Your spouse’s employer-sponsored plan is primary, if he or she is enrolled.
       Submit your spouse’s medical bills to your spouse’s plan first, then to the Genworth Plan. The
       Genworth coverage for your spouse is primary only if your spouse is not enrolled in his or her
       employer’s plan.
   •   For your children - If your children are covered under both the Genworth Plan and your
       spouse’s plan, the “birthday rule” determines which plan (yours or your spouse’s) is primary.
       The plan covering the spouse whose birth date (month and day) falls earlier in the year is
       primary for the children. Submit your children’s medical bills to the primary plan first, then to
       the other plan. If you and your spouse have the same birth date, the plan covering you or your
       spouse for the longer period of time will pay first. The birthday rule also applies to your new
       spouse if you’re remarried.

When the Genworth Plan is the secondary payer...

When your Genworth Plan coverage is secondary, the benefits it pays depend on:

   •   Whether the care is covered by your primary plan; and
   •   What charges are considered eligible expenses under your primary plan and/or the Genworth
       Plan, as described below.

For example:

   •   If you receive care that your primary plan does not cover but which the Genworth Plan does,
       the Genworth Plan’s benefits will effectively be the same as if the Genworth Plan were
       primary, provided that you follow the rules of the Genworth Plan. This is because the
       Genworth Plan’s secondary coverage is not being offset by any primary plan benefits, since
       none were paid.
   •   If you receive care that your primary plan covers, but the coverage is affected by limits, such as
       allowable charge limits, then the Genworth Plan’s secondary benefits will be limited to the
       amounts considered eligible expenses under the Genworth Plan, even if the Genworth Plan’s
       limits are lower.

                                                   10
   •   If you receive care that your primary plan covers, but the coverage is affected by discounts,
       such as reduced rates offered by a preferred provider network, then the Genworth Plan’s
       secondary benefits will be limited to the amounts considered eligible under the primary plan.

        In all cases, the Genworth Plan’s secondary coverage will be subject to the Genworth Plan’s
exclusions, limits and maximums. This includes the exclusion for expenses that you would not be
required to pay. This means, for example, that if your primary plan includes discounts that allow you
to pay less than the provider’s usual fee, the Genworth Plan will not pay benefits on a claim to pay the
provider the amount by which his or her usual fee exceeds the discounted fee.

Coordination of benefits - no-fault auto insurance

        Your Genworth medical coverage also coordinates with no-fault auto insurance plans. If you
incur medical expenses that are reimbursed by a no-fault auto insurance plan, those payments will be
considered primary and your Genworth coverage secondary. The Genworth Plan will reimburse 100%
of allowable charge expenses less the benefits paid by the no-fault auto insurance policy.

When you or your dependent is covered by Medicare

      If you are covered by Medicare and your covered dependent is not employed, the Genworth
Medical Plan is the primary coverage for most expenses. Submit your medical bills to the Genworth
Medical Plan first, then to Medicare. If you are not eligible for Medicare, but your dependent is, the
Genworth plan is the primary coverage for most expenses.

What if I receive a qualified medical child support order (QMCSO)?

        Federal law requires group health plans to honor Qualified Medical Child Support Orders
(QMCSOs). In general, QMCSOs are orders under state law requiring a parent to provide health care
support to a child - for example, in case of separation or divorce. Upon receipt of a QMCSO, a plan is
required to pay benefits directly to the child, the child’s custodial parent or legal guardian, according to
the order. If a “qualified” order is received, you and the affected child will be notified. If you receive
one of these orders and have questions, please call the Genworth Benefits Center.

       Participants and covered dependents may obtain, without charge, a copy of the procedures
governing QMCSOs by contacting the Plan administrator.

Laws affecting benefits

        If an applicable federal, state or local government law mandates coverage or benefits in excess
of what your Plan coverage pays, the Plan will provide the additional coverage or benefits. If you are
subject to such a law, your contributions will be increased to pay the full cost of the additional
coverage or benefits.

        If a federal, state or local government applies a tax or surcharge on health care services,
benefits or enrollment, the tax or surcharge will be considered a covered expense, subject to the
applicable benefit payment provisions. The Company reserves the right to increase contributions for
affected participants.




                                                    11
3.       END OF COVERAGE

When does coverage end?

Your coverage under the Plan ends on the earliest of the following dates:

     •   When your employment stops for any reason (such as resignation or termination) and your
         continuous service ends. Coverage may continue if you meet certain qualifications. See the
         Section entitled “What if,” below.
     •   The end of the period for which any required contributions have been paid, if you fail to make
         further contributions or you cancel your payroll deduction authorization.
     •   When you transfer to a classification of employees not eligible for medical coverage.

Coverage for your dependent ends on the earlier of the following dates:

     •   When your dependent no longer meets eligibility requirements - for example, when your
         dependent child reaches the Plan’s age limit. Coverage ends at the end of the month in which
         the dependent turns 19 (or 25 if a full time college student).
     •   The end of the period for which any required contributions have been paid, if you fail to make
         further contributions or you cancel your payroll deduction authorization for dependent
         coverage.
     •   When your spouse attains age 65 if you are retired, over age 65, and eligible for post 65 retiree
         coverage.
     •   If you work past age 65 and are eligible to retire with post 65 retiree coverage, then your
         spouse’s coverage through the Genworth Medical Plan ends when you reach age 65 or when
         you retire, if later.

       If a covered dependent child is totally disabled when coverage would otherwise end, his or her
coverage can continue until the earlier of age 65 or when the dependent is no longer disabled, as long
as you are still an active employee or a Genworth retiree.

Certification of coverage

       When your Plan coverage ends, you will receive a certificate of coverage stating how long you
were covered. Prior coverage may reduce the length of time you are subject to any pre-existing
medical condition limits under a new plan.

COBRA health coverage

        When your Plan coverage ends, you and/or your covered dependents may be eligible to
purchase continued health coverage under a federal law known as COBRA (the Consolidated Omnibus
Budget Reconciliation Act of 1985, as amended). In some cases, the Company may pay for some or
all of your COBRA health coverage.




                                                     12
What if...

An employee goes out on …                         Employee Medical and Drug Coverage…

Short Term Disability*                            Continues at Active Employee Rate

Unpaid Short Term Disability*                     Continues at Active Employee Rate

Long Term Disability*                             Continues at Active Employee Rate for 1 year
                                                  after date of disability

Paid Leave*                                       Continues at Active Employee Rate

Approved Unpaid Leave*                            Continues at Active Employee Rate

FMLA*                                             Continues at Active Employee Rate

Military Leave*                                   Continues for length of leave premium free

Lack of Work                                      Continues at Active Employee Rate for length
                                                  of severance. COBRA can be continued for
                                                  the remainder of the continuation period, up to
                                                  18 months.

Death of Active Employee                          Continues premium free for survivor for up to
                                                  12 months. COBRA can be continued for the
                                                  remainder of the continuation period, 24
                                                  months.

Death of Active Employee Eligible to              Continues until age 65 for an eligible surviving
Retire with Retiree Medical Coverage              spouse at the participant’s rate; continues for
                                                  eligible surviving children until age 19 (or 25
                                                  if full-time student) at the participant’s rate

Death of Retiree with Retiree Medical             Continues until age 65 for an eligible surviving
Coverage                                          spouse at the participant’s rate; continues for
                                                  eligible surviving children until age 19 (or 25
                                                  if full-time student) at the participant’s rate

Termination from Company                          Ends on the final date of employment.
                                                  COBRA can be continued for up to 18 months.

* Genworth service must be maintained in order to receive the benefit.

Federally mandated maternity and mastectomy benefits

        Under federal law, group health plans generally may not limit benefits for any hospital stay for
childbirth to less than 48 hours following a normal delivery (96 hours following a cesarean section) for
the mother or baby, or require a provider to obtain plan approval for prescribing a length of stay within
those time frames. However, you don’t have to stay in the hospital for the full federally mandated
length if you and your doctor feel that it is not necessary.
                                                   13
       Federal law also requires that plans that cover mastectomy also cover certain reconstructive
surgery and treatment following a mastectomy, including:

     •   Expenses for surgery for all stages of reconstruction on the breast on which the mastectomy
         was performed;
     •   The cost of prosthesis;
     •   Expenses for surgery on the other breast to achieve symmetry; and
     •   The costs for treatment of physical complications at any stage of the mastectomy, including
         lymph edemas.

Normal Plan deductibles and co-insurance apply.

4.       HOW THE PLAN WORKS

        The Plan gives you the freedom to use any doctor in the BlueCard PPO network, including
specialists, without a referral. You can even visit any out-of-network physician and still enjoy your
benefits with higher deductibles and co-insurance.

       A typical network includes physicians, hospitals and other health care providers. Network
providers are selected by the benefits administrator and must meet specific standards for education,
experience and credentials. They also undergo regular reviews for patient satisfaction, office
management and effective delivery of care.

         Anthem Blue Cross and Blue Shield does business only within a certain geographic area in the
Commonwealth of Virginia. If you live or travel outside our area, you still have the freedom to receive
care from any provider or facility. Keep in mind, you should elect to receive care from a provider or
facility who participates in a Blue Cross Blue Shield company’s BlueCard PPO network to receive the
highest level of benefits. The Plan includes a program called “BlueCard,” which provides you and
your covered family members with the benefits of using selected PPO network providers and facilities
outside our area. Generally, Blue Cross Blue Shield PPO network providers and facilities who
participate in BlueCard will accept your co-payment or co-insurance at the time of services instead of
requiring full payment. Most of these providers or facilities will file claims for you and most have
agreed to accept the allowable charge established by their local Blue Cross and/or Blue Shield Plan as
payment in full for their services.

        If the amount you pay for a covered service is based on the charge for that service, the charge
used to calculate your part will be the lower of:

     •   the billed charge for the covered service; or
     •   the negotiated price passed on to us through the BlueCard program.

       Often, this “negotiated price” will consist of a simple discounted price, but it can also be an
estimated or average price allowed by the BlueCard Program and the terms of the Plan.

        An estimated price takes into account special arrangements with a provider or provider group
that include settlements, withholds, non-claims transactions (such as provider advances) and other
types of variable payment. An average price is based on a discount that takes into account these same
special arrangements. Of the two, estimated prices are usually closer to the actual prices. Negotiated
prices may be adjusted going forward to correct for over- or underestimation of past prices. However,
                                                    14
the amount you pay is considered a final price. More detailed information about negotiated prices is
included in the administrative services contract.

       Laws in a small number of states may require the local Blue Cross and/or Blue Shield Plan to
use another method for, or add a surcharge to, your liability calculation.

       If any state laws mandate other liability calculation methods, including a surcharge, Anthem
Blue Cross and Blue Shield would then calculate your liability for any covered health care services
according to the applicable state law in effect when you received care.

For coverage overseas

        If you plan to travel outside the United States, call Anthem Member Services and ask for the
names of the participating hospitals in the area you will be visiting. If you need inpatient hospital care
while you are overseas, show your ID card at the admissions office. The participating hospital will bill
the Plan through Anthem for covered expenses. Anthem will send benefits payments to the hospital
directly. If you go to a non-participating hospital or receive outpatient care, you will usually have to
pay the bills and submit the claims for reimbursement. However, if possible Anthem will work out
direct payment with the providers.

In-Network Coverage

       In the network, the Plan generally pays a percentage of your bill after you have paid your
deductible. In general, your co-insurance after your deductible is reached is:

           •   15% for each doctor’s and specialist’s office visit.

           • 15% for a hospital emergency room visit.

       There are no claim forms to file. Your network physician handles required approvals for you.

How do I access network care?

       You may access this information by calling your benefits administrator at the toll-free number
on your medical ID card (1-800-445-7490); by visiting www.anthem.com; or by calling 1-800-810-
BLUE.




                                                    15
Network care: step-by-step

       1.       See your health care provider and show your medical ID card. Your provider bills the
                Plan directly for all costs.

       2.       The Plan administrator considers the expense and pays the covered portion less
                applicable deductibles, allowable charge limits or co-insurance. The providers will then
                bill you for these amounts. You will receive an Explanation of Benefits (EOB)
                statement from Anthem detailing the amount of the bill that will be paid for by the Plan
                and how much you will owe to the provider. The EOB is not a bill but is simply an
                explanation of how the bill from your provider was calculated and shows hoq
                much you owe to that provider

       3.       Questions? Call the benefits administrator and speak to a member services
                representative (or ask your provider to call). The toll-free number is shown on your
                medical ID card.



Hospital Admission Review
        All hospital stays, skilled nursing home stays, or treatment in partial day programs should be
approved before each admission. If you are admitted to the hospital as a result of an emergency, your
hospital stay should be reviewed by Anthem within 48 hours of admission. The emergency room
doctor, a relative, or a friend can call for Hospital Admission Review. Network providers and facilities
handle Hospital Admission Review for you. You must initiate the Hospital Admission Review process
for out-of-network services. If you fail to obtain approval for an inpatient stay, and the stay is later
determined not to be medically necessary, you may have to pay the entire hospital bill in addition to
any charges for services provided while you were an inpatient. Strict adherence to this procedure may
not be required for services that arise over the weekend.
         Before you are admitted to the hospital for medical care or surgery, you or someone you
authorize must call the Member Services telephone number located on your identification card. If your
provider is calling on your behalf, the telephone number for providers is 804-342-0010 in Richmond
or toll-free 800-533-1120. You should have the following information available:

            • your Anthem Blue Cross and Blue Shield identification number (shown on your ID
            card);

            •   your doctor's name and phone number;

            •   the date you plan to enter the hospital and length of stay; and

            •   the reason for hospitalization.
        Your health plan will respond to a request for hospital admission within 2 working days after
receiving all of the medical information needed to process the request, but not to exceed 15 days from
the receipt of the request. We may extend this period for another 15 days if we determine it to be
necessary because of matters beyond our control. In the event that this extension is necessary, you will
be notified prior to the expiration of the initial 15-day period.



                                                    16
        In cases where the hospital admission is an urgent care claim, a coverage decision will be
completed within 24 hours. Your physician will be notified verbally of the coverage decision within
this timeframe.
        Once a coverage decision has been made regarding your hospital admission, you will receive
written notification of the coverage decision. In the event of an adverse benefit determination, the
written notification will include the following:

           •   the specific reason(s) and the plan provision(s) on which the determination is based;

           •   a description of any additional material or information necessary to reopen the claim for
               consideration, along with an explanation of why the requested material or information is
               needed;

           •   a description of your health plan’s appeal procedures and applicable time limits; and

           •   in the case of an urgent care claim, a description of the expedited review process
               applicable to such claims.
        If all or part of a hospital admission was not covered, you have a right to see, upon request and
at no charge, any rule, guideline, protocol or criterion that your health plan relied upon in making the
coverage decision. If a coverage decision was based on medical necessity or the experimental nature of
the care, you are entitled to receive upon request and at no charge the explanation of the scientific or
clinical basis for the decision as it relates to your medical condition.
         Hospital admissions for covered radical or modified radical mastectomy for the treatment of
breast cancer shall be approved for a period of no less than 48 hours. Hospital admissions for a covered
total or partial mastectomy with lymph node dissection for the treatment of breast cancer shall be
approved for a period of no less than 24 hours. Hospital admissions for a covered laparoscopy-assisted
vaginal hysterectomy shall be approved for a period of no less than 23 hours. Hospital admissions for
a covered vaginal hysterectomy shall be approved for a period of no less than 48 hours.
  The length of stay for maternity admissions is determined according to the Newborn’s and Mother’s
Health Protection Act. This federal law allows for 48 hours for vaginal delivery or 96 hours for
caesarian section. Admissions for maternity care do not, initially, require Hospital Admission Review.
However, if complications develop and additional days are necessary, Hospital Admission Review is
required. We request that your doctor contact Anthem to establish eligibility and waiting periods.

What do I do in an emergency?

        In an emergency, seek medical assistance immediately. An “emergency” is a serious medical
condition or symptom resulting from injury, illness or mental illness that arises suddenly and, in the
judgment of a reasonable person, requires immediate treatment (generally within 24 hours of onset) to
avoid jeopardizing your life or seriously impairing your health. Examples are excessive bleeding, loss
of consciousness or severe chest pain. Because the BlueCard PPO network is the largest network of its
kind, your opportunity to be treated in-network will be greater.

         In an emergency, go to the nearest appropriate provider or medical facility. If the provider or
facility is not in the network, you or your network physician can call Anthem to have the out-of-
network services authorized for the highest level of benefits.



                                                    17
       If specialty care is required and it’s not available from a provider within the network, your
network provider can call Anthem in advance of your receiving care to have the out-of-network
services authorized for the highest level of benefits.

What if I go out-of-network?

       You can choose to go out-of-network, at a higher cost to you. When you go to an out-of-
network doctor or other provider (or when your care is otherwise considered to be “out-of-network”),
the Plan covers most services at 30% of allowable charge charges, after you meet an annual deductible.
Once you meet an annual out-of-pocket maximum, the Plan pays 100% of the allowable charge.

      See the definition of “allowable charge” in the attached Appendix B. When you receive out-of-
network care, you’re responsible for paying any charges in excess of allowable charge amounts.

      Additional provisions apply to out-of-network care that affects what you need to do and how
much you pay:

     •   Deductibles;
     •   Out-of-pocket limits; and
     •   Co-insurance.

         You also need to file claim forms for reimbursement of covered out-of-network expenses.

       For additional information about the out-of-network features, call the Genworth Benefits
Center at 1-866-436-9784. If you are already enrolled, you can call the toll-free number listed on your
medical ID card.

Deductibles

        You pay an initial amount in covered medical expenses each year before the Plan begins to pay
its share of benefits. This amount is called your annual deductible. The deductible does not apply
separately to you and to each of your covered dependents. A new deductible applies each calendar
year (January 1 to December 31).

       A deductible is the total amount you and your covered dependents have to meet in deductibles
each calendar year, regardless of how large your family is. When the combined amount you pay for
you or your family’s covered expenses in a calendar year reaches your deductible, the Plan begins to
pay benefits for you and your covered dependents.

       Your deductible amount is based on the coverage election that you choose. See “How much
does coverage cost?” in Section 2. An In-Network deductible must be met for all In-Network expenses
and an Out-of-Network deductible must be met for all Out-of-Network expenses.

     Coverage    In-Network Out-of-Network
EE                  $100          $400
EE+CHILD(REN)       $200          $800
EE+SPOUSE           $200          $800
EE+FAMILY           $300         $1,200


                                                   18
Out-of-pocket maximums

        You pay a portion of the medical expense - usually the deductible - up to an amount called your
annual out-of-pocket maximum. Once your share of covered medical expenses in a calendar year
reaches your out-of-pocket maximum, the Plan pays the full cost of your remaining covered expenses
for the year, up to the maximum lifetime benefit ($2.5 million). Note that covered expenses for out-of-
network services are based on an “allowable charge,” which is defined in the attached Appendix B
(also see below).

Allowable charge


                     Providers or facilities                       Allowable charge

              providers within your network               the network allowance or provider’s
                                                          charge, whichever is less

              providers rendering care to Cost            the participating allowance or
              Awareness persons                           provider’s charge, whichever is less

              providers outside of your network           the participating allowance or
                                                          provider’s charge, whichever is less

              network and participating facilities        the negotiated allowance or the
                                                          facility’s charge, whichever is less

              non-participating facilities located in     Anthem’s non-participating
              Virginia                                    allowance or the facility’s charge,
                                                          whichever is less

              non-participating facilities located        the amount Anthem determines to be
              outside of Virginia                         reasonable for the services rendered

              non-provider, non-facility service          the amount Anthem determines to be
                                                          reasonable for the services rendered

        In the allowable charge chart, the allowances for covered services and the reasonable charge for
covered services are determined by Anthem and other Blue Cross Blue Shield companies at their sole
discretion.

      For purposes of the chart above, Cost Awareness persons are individuals designated by the
Company (in accordance with the guidelines set by Anthem) who do not have reasonable access to the
PPO network providers and facilities due to their location.

        Another Blue Cross Blue Shield company may pay a claim on Anthem’s behalf to a facility that
participates in one of its networks. When this occurs, the allowable charge will be the lower of the
billed charges of the facility or the negotiated price that the Blue Cross Blue Shield company passes on
to Anthem. The negotiated price may be a simple discount of billed charges, an estimated final price
that reflects future settlement with the facility, or an average expected savings from the facility or
network. The estimated or average price may have been adjusted to correct for over- or under-
estimation of past prices or non-claim transaction costs.

                                                     19
       If Anthem’s negotiated compensation cannot be determined at the time the claim for the
covered service is processed, Anthem will use the value of the last known negotiated compensation
derived from its most recent settlement with the facility.

       To help limit annual out-of-pocket medical costs, the Plan also has out-of-pocket maximums.
An out-of-pocket maximum is the most you and your covered dependents have to pay in covered
medical expenses each calendar year, regardless of how large your family is. When the combined
amount you pay for your family’s covered expenses in a calendar year reaches your family’s out-of-
pocket maximum, the Plan pays the full cost of remaining covered expenses for the entire family for
the year, up to the allowable charge amount. Expenses for In-Network and Out-of-Network out-of-
pocket maximums are calculated independently.


     Coverage     In-Network Out-of-Network
EE                  $450         $2,500
EE+CHILD(REN)       $800         $3,000
EE+SPOUSE           $800         $3,500
EE+FAMILY           $900         $5,500


      Exceptions - Some expenses do not count toward your out-of-pocket maximum. These include
amounts you pay:

        •    For prescription drugs;
        •    Above Plan benefits for vision care;
        •    Above allowable charge amounts for out-of-network expenses;
        •    Above the Plan’s maximum benefit amounts or other special limits; and
        •    For any expenses not covered by the Plan.

Claiming out-of-network benefits

Here’s how to claim benefits for out-of-network care:

        1.   Present your medical ID card to your provider - in most cases, he or she may be willing
             to bill the insurance company directly.

        2.   If direct payment isn’t possible, obtain a claim form - at
             www.yourbenefitsresources.com/genworth.com or from Anthem.

        3.   Complete and sign the claim form - and attach a copy of the bill. Be sure that the bill
             includes your name and Social Security number, the patient’s name, Social Security
             number and address, the diagnosis and procedure code for the service, the date of the
             service and the charge. Mail the form and bill to the medical carrier at the address shown
             on the form.

        4.   You’ll be notified - by the medical provider and carrier of the amount you are responsible
             for paying.


                                                   20
Additional claims information

       •    The medical carrier has the right to require a medical examination of any person for whom
            a claim is made.
       •    You must submit your claims by March 31 for expenses that were incurred during the
            previous calendar year, unless you can show that it was not reasonably possible to do so.

Claims questions? If you have a question or problem with a claim:

       1.   Gather basic information, including:

                  •   Your Social Security number and patient’s name, if applicable;
                  •   Provider name, date of service and amount of bill, if applicable; and
                  •   Copies of any correspondence regarding the claim.

       2.   Call the toll-free number on your medical ID card.

       3. Discuss the question with a medical carrier representative. If you still have a question, ask
       for a supervisor.

If you need more help, contact your Anthem dedicated team at 1-800-445-7490.

What’s my lifetime maximum benefit?

         You and each of your covered family members are each eligible to receive up to $2.5 million in
total lifetime benefits - for all covered medical expenses under the Plan. Separate limits apply to
prescription drugs.

     A special provision, called restoration of benefits, allows you to ask that your lifetime
maximum be reinstated once you return to good health.

         Here’s how restoration works - If you or a covered dependent has received at least $2 million in
total lifetime benefits, you can apply to the benefits administrator to have your lifetime maximum level
restored. You’ll be asked to provide proof of good health to the benefits administrator.




                                                   21
5.     WHAT THE PLAN COVERS

       The Plan covers a range of services, including preventive care and health screenings, doctors’
services, surgery, diagnostic imaging, lab tests, prescription drugs, hospital services, and mental health
and substance abuse treatment, as described in the following sections. As with all medical plans, some
services and supplies are not covered by the Plan. For specific questions regarding exclusions, please
call Anthem at 1-800-445-7490. For a description of your vision coverage as part of your medical care
option under the Plan, see the separate document entitled “Genworth Financial Vision Care Plan.”

                                  In-Network                        Out-of-Network

                                  Benefits are based on an          Benefits are paid up to
                                  allowable charge with the         allowable charge amounts
                                  medical care providers in the     (defined in the attached
                                  network.                          Appendix B).

Routine Preventive Care

Periodic physical exams and        No additional costs and          30% Co-Insurance after
screenings – routine              includes allowable charges        deductible is met.
checkups, including               for x-ray and lab expenses
preventive immunizations.         billed by an independent
                                  outpatient diagnostic
Well child care – routine         facility.
check-ups, including lead
screenings and preventive
immunizations.



Routine gynecological care        No additional costs and           30% Co-Insurance after
                                  includes allowable charges        deductible is met.
(primary care physician           for x-ray and lab expenses
referral not required)            billed by an independent
                                  outpatient diagnostic
                                  facility.
Routine mammogram, PSA,
pap smear

Office Visits

Outpatient, non-specialist,       15% Co-Insurance after            30% Co-Insurance after
surgery performed in              deductible is met for             deductible is met.
physician’s office, allergy       primary care physician
treatments                        visitand allowable charges
                                  for x-ray and lab expenses
                                  billed by an independent
                                  outpatient diagnostic
                                  facility.


                                                   22
                                  In-Network                      Out-of-Network

Outpatient, specialist, second
opinion for surgery(voluntary)    15% Co-Insurance after          30% Co-Insurance after
                                  deductible is met.              deductible is met.


Emergency Care/Urgent Care
Hospital emergency room or
urgent care facility
                                  15% Co-Insurance after          30% Co-Insurance after
                                  deductible is met.              deductible is met.
Ambulance Service
(to nearest hospital when
medically necessary); limited
to $3,000 per calendar year
Outpatient Facility and
Services

Operating room, recovery          15% Co-Insurance after          30% Co-Insurance after
room, surgeon,                    deductible is met.              deductible is met.
anesthesiologist, radiologist,
pathologist
Laboratory and X-Ray              .
Services

MRAs, MRIs, CAT scans and
PET scans

Other Lab and X-Ray Services 15% Co-Insurance after               30% Co-Insurance after
performed as an outpatient in deductible is met.                  deductible is met.
a hospital facility

Other Lab and X–Ray
Services in connection with an
office visit (excluding routine
preventive care)
Inpatient Hospital Expenses
Semi-private room                 15% Co-Insurance after          30% Co-Insurance after
                                  deductible is met.              deductible is met.

Private room                      Semi-private allowable          Semi-private allowable
                                  charge. 15% Co-Insurance        charge. 30% Co-Insurance
                                  after the deductible is met.    after the deductible is met


Intensive Care Unit               Intensive Care Unit allowable   Intensive Care Unit allowable
                                  charge. 15% Co-Insurance        charge. 30% Co-Insurance
                                  after deductible is met.        after deductible is met.

                                                   23
                                  In-Network                    Out-of-Network


Inpatient Hospital Expenses
Doctor’s visits, surgeon,         15% Co-Insurance after        30% Co-Insurance after
radiologist, pathologist, and     deductible is met.            deductible is met.
anesthesiologist services




Inpatient Services at other
health care facilities

Skilled nursing facility, rehab
hospital. Maximum of 120
days per calendar year for
both in-network and out-of-       15% Co-Insurance after        30% Co-Insurance after
network combined. Semi-           deductible is met.            deductible is met.
private room, board and other                                   .
medically necessary services
and supplies.

No prior hospitalization
required.
Outpatient physical therapy,      15% Co-Insurance after
occupation therapy limited to     deductible is met
$2,000 per calendar year
combined services
                                  15% Co-Insurance after
Speech Therapy- limited to        deductible is met, reduced
$1,000 per calendar year.         by out-of-network visits      30% Co-Insurance after
                                                                deductible is met.
                                  All services billed by the    .
Chiropractic Services -           outpatient department of a
including spinal                  hospital are subject to the
manipulations and other           calendar deductible and
manual medical                    appropriate plan
manipulations are limited to      coinsurance.
$800 per calendar year
Outpatient private duty
                                                                Same as In-Network, patient
nursing                           15% Co-Insurance after
                                  deductible is met. Requires   may be subject to balance
                                  primary care physician        billing.
                                  referral.




                                                  24
                                In-Network                      Out-of-Network

Hospice Care
Inpatient and outpatient        15% Co-Insurance after          30% Co-Insurance after
services                        deductible is met, with prior   deductible is met, with prior
                                authorization.                  authorization
Bereavement counseling –                                        .
3 counseling sessions within    15% Co-Insurance after          30% Co-Insurance after
one year of death               deductible is met, with prior   deductible is met, with prior
Services provided by mental     authorization.                  authorization.
health professional covered
under Mental Health Benefit
Durable Medical
 Equipment(limited to           15% Co-Insurance after
                                deductible is met, with prior   30% Co-Insurance after
 $10,000 per calendar year
                                                                deductible is met, with prior
 combined in and out of         authorization.
                                                                authorization.
 network)
                                                                .


Maternity

Initial office visit            15% Co-Insurance after          30% Co-Insurance after
                                deductible is met for first     deductible is met.
                                visit to confirm pregnancy



Global maternity fee (charges   15% Co-Insurance after          30% Co-Insurance after
for pre and postnatal exams     deductible is met.              deductible is met.
and delivery


Hospital charges for delivery   15% Co-Insurance after          30% Co-Insurance after
                                deductible is met.              deductible is met.
                                .


Birthing centers or licensed    15% Co-Insurance after          30% Co-Insurance after
midwife services                deductible is met.              deductible is met.


Home delivery                   Not covered.                    Not Covered




                                                 25
                                     In-Network               Out-of-Network

Abortion/Sterilization

Office visit                         15% Co-Insurance after   30% Co-Insurance after
                                     deductible is met.       deductible is met.
                                                              .
Inpatient facility                                            30% Co-Insurance after
                                     15% Co-Insurance after
                                                              deductible is met.
Outpatient facility                  deductible is met.
Physician’s services                 .



Family Planning
                                     15% Co-Insurance after   30% Co-Insurance
Office visits including tests        deductible is met.       .
and counseling.

Infertility Treatment
Office visits, tests and             15% Co-Insurance after   30% Co-Insurance after
counseling                           deductible is met.       deductible is met.
                                                              .
For the treatment of an
underlying medical condition         15% Co-Insurance after
                                     deductible is met.

In-vitro fertilization, artificial
insemination, etc.                   Not covered              Not covered


Surgical procedures:
   In-patient and outpatient         15% Co-Insurance after   30% Co-Insurance after
   surgical procedures to            deductible is met.       deductible is met.
   correct an infertility            .
   problem.
   Physician’s services




                                                   26
                                 In-Network               Out-of-Network
Organ transplants
(medically appropriate, non-
experimental procedures –        15% Co-Insurance after   30% Co-Insurance after
heart, liver, bone marrow,       deductible is met.       deductible is met.
lung, kidney, and pancreas)                               .
Office visits

Inpatient and outpatient         15% Co-Insurance after   30% Co-Insurance after
facility                         deductible is met.       deductible is met.


Organ transplant travel          15% Co-Insurance after   Not covered.
services Lifetime maximum        deductible is met.
of $10,000 per transplant.




Prosthetic appliances and
orthopedic devices               15% Co-Insurance after   30% Co-Insurance after
Maximum of $25,000 per           deductible is met.       deductible is met.
  calendar year combined                                  .
  with out-of-network.
Hearing Aids
When authorized by a             15% Co-Insurance after   Same as In-Network, Patient
physician to treat a hearing     deductible is met.       my be subject to balance
loss due to injury or sickness   .                        billing
Limited to $5,000 every two
years
Dental Care
Limited to charges for a
continuous course of
medically necessary treatment
started within 6 months of an
injury to sound, natural teeth

TMJ expenses are provided on
a case-by-case basis as          15% Co-Insurance after   30% Co-Insurance after
medically necessary.             deductible is met.       deductible is met.
Excludes appliances and                                   .
orthodontic treatment

Office visits, inpatient and
outpatient facility and
physician’s services




                                               27
Centers of Excellence

      In the event that you, or one of your dependents, needs an organ transplant, please contact
Anthem to recommend a Center of Excellence for your type of transplant.

Special coverage for clinical trials

         Clinical trial cost means patient costs incurred during participation in a clinical trial when such
a trial is conducted to study the effectiveness of a particular treatment of cancer where all of the
following circumstances exist:

1)       The treatment is being conducted in a Phase II, Phase III, or Phase IV clinical trial;

2)       Treatment provided by a clinical trial is approved by:

     •   The National Cancer Institute (NCI);

     •   An NCI cooperative group or an NCI center;

     •   The U.S. Food and Drug Administration in the form of an investigational new drug application;

     •   The Federal Department of Veterans Affairs; or

     •   An institutional review board of an institution in the Commonwealth that has a multiple project
         assurance contract approved by the Office of Protection from Research Risks of the NCI;

3)       With respect to the treatment provided by a clinical trial:

     •   There is no clearly superior, non-investigational treatment alternative;

     •   The available clinical or preclinical data provides a reasonable expectation that the treatment
         will be at least as effective as the non-investigational alternative; and

     •   The covered person and the physician or health care provider who provides the services to the
         covered person conclude that the covered person’s participation in the clinical trial would be
         appropriate; and

4)     The facility and personnel providing the treatment are capable of doing so by virtue of their
experience, training, and expertise.

         “Patient cost” under this paragraph means the cost of a medically necessary health care service
that is incurred as a result of the treatment being provided to the covered person for purposes of a
clinical trial. “Patient cost” does not include (i) the cost of non-health care services that a patient may
be required to receive as a result of the treatment being provided for purposes of a clinical trial, (ii)
costs associated with managing the research associated with the clinical trial, or (iii) the cost of the
investigational drug or device.

       Expenses associated with all other investigational or experimental treatments are not covered
under the Plan. See the Section entitled, “What’s Not Covered.”


                                                     28
        For information about clinical trials, talk with your physician. Information is also available
online, at www.clinicaltrials.gov.

Please note -

       The benefits available for clinical trials are subject to coverage and other applicable Plan
provisions.

     •   Expenses will be paid at the out-of network level if you choose to participate in a clinical trial
         at an out-of-network facility when the trial is also available at a network facility.

     •   If you choose to participate in a clinical trial, you must notify your medical carrier before
         treatment begins. Benefits will be determined and paid, subject to Plan provisions, only for
         those expenses that would not be eligible for reimbursement under research grants funded by
         the NIH, FDA, VA or other sources, and which you would otherwise be obligated to pay if you
         were not covered under the Plan. Certain non-medical expenses related to clinical trials, such
         as travel to and from a facility and living accommodations for the patient and family members,
         are not covered by the Plan.

6.       WHAT’S NOT COVERED?

         As with all medical plans, some services and supplies are not covered by the Plan. Below is a
list of some expenses that are not covered. Please note that this list does not include all exclusions to
the Plan. For specific questions regarding exclusions, please call Anthem at 1-800-445-7490.

     •   Services that are not considered medically necessary
     •   Expenses that exceed Plan limits, such as the extra cost for a private hospital room when the
         semiprivate room rate is paid;
     •   Hospice care, home health care, home infusion therapy, home dialysis and home therapy for
         hemophilia when the treatment has not been approved in advance;
     •   Expenses incurred before you or a dependent became covered by the Plan;
     •   Hearing aid batteries;
     •   Obesity related claims including gastric bypass surgery and laparoscopic banding;
     •   Over-the-counter medications, as well as prescription medications for which there are over-the-
         counter equivalents in the prescribed strength;
     •   Services received in a U.S. government hospital for injuries or illnesses related to military
         service;
     •   Services attributable to military service which are covered by the U.S. government;
     •   Custodial care - expenses for care that does not require the continuing services of a skilled
         medical or health care professional and which is furnished primarily to provide room and
         board, education, assistance with activities of daily living or other care for a mentally or
         physically disabled person;
     •   Cosmetic surgery or treatment, except for functional birth defects, accidental injury while
         insured under the Plan or reconstructive surgery after illness;
     •   Expenses you are not required to pay, including expenses that you would not have been asked
         to pay if you did not have coverage under a company plan;
     •   Certain non-medical expenses, such as travel to and from a facility and living accommodations
         for patients and family members, unless otherwise specified;
     •   Dental care, except hospital services;

                                                     29
     •   Services or supplies to treat TMJ (temporomandibular joint dysfunction);
     •   Routine vision care, such as eye exams, lenses and eyeglass frames;
     •   Laser surgery to correct vision impairment;
     •   Exercise equipment (e.g., treadmills);
     •   Reverse sterilizations;
     •   Transsexual surgery;
     •   Expenses eligible to be paid or reimbursed in some other way, such as by another Company-
         provided plan or by:
         • Medicare (subject to maintenance of benefits);
         • Legal action or settlement from a third party (other than by a personal insurance policy held
             by you or a member of your family);
         • Workers’ Compensation;
         • Another employer’s group medical plan (subject to maintenance of benefits);
         • Any federal, state or local government plan or program of any country (except Medicaid);
             or
         • No-fault automobile insurance;
     •   Services of a person who normally resides in your home and who is a member of your
         immediate family;
     •   Treatment for illness or injury resulting from any act of war, declared or undeclared;
     •   Services or supplies when you are not under the continuing care of a doctor;
     •   Services or supplies related to naturopathic or homeopathic medicine;
     •   Expenses associated with clinical research trials that are not approved by the National Institutes
         of Health (NIH), the Food and Drug Administration (FDA) or the Veterans Administration
         (VA);
     •   Expenses associated with clinical research trials that are approved by the NIH, FDA or VA and
         are eligible for reimbursement under a research grant or from another source;
     •   Expenses for procedures related to assisted reproductive services (and any medicinal therapies
         used in conjunction with such services), including but not limited to the following: artificial
         insemination, in-vitro fertilization (IVF), intra-uterine insemination (IUI), gamete intrafallopian
         transfer (GIFT), zygote intrafallopian transfer (ZIFT); services for the acquisition of sperm and
         sperm collection, preservation or transfer; and services for egg retrieval and storage; and
     •   Other expenses not related to the diagnosis or treatment of illness or injury - such as weight-
         loss programs -unless specifically described as covered.

         Please contact Anthem Blue Cross and Blue Shield for more specific coverage details.

       If you receive reimbursement, or are entitled to receive reimbursement, for expenses previously
paid by a Company-provided plan, the benefits administrator has the right to recover that amount from
you or any third party who has primary obligation to make payment - a policy called subrogation.

7.       PRESCRIPTION DRUGS

      The Plan offers two ways to purchase prescription drugs - through participating retail
pharmacies and through a mail-order prescription service.

Please note -

     •   The benefits administrator may ask you or your doctor to provide additional information before
         your prescription is filled.
                                                     30
   •    In some areas, you may want to ask your network doctor to prescribe from a preferred list of
        generic and brand-name medicines.
   •    Prescriptions will be filled with generic drugs when available and appropriate.

Network pharmacies

       Network pharmacies have agreed to charge discounted prescription drug prices. When you fill
your prescriptions at a network pharmacy, you pay the following:



   Prescription type             Generic                Preferred            Non-Preferred
                                                        Formulary            Non-Formualry
  Retail (up to a 30-    $5 per prescription/      30% Co-Insurance        50% Co-Insurance
  day supply)            refill                    per prescription/       per prescription/
                                                   refill; $30 maximum     refill; $75 maximum
  Mail Order (up to a    $10 per prescription/     30% Co-Insurance        50% Co-Insurance
  90-day supply)         refill                    per prescription/       per prescription/
                                                   refill; $60 maximum     refill; $100
                                                                           maximum

        You pay your co-insurance directly to the participating retail pharmacy at the time of purchase.
In addition, when you use a participating pharmacy, each prescription is added to your personal
medication history (including those medications purchased through mail order, as described below),
which may help avoid potentially harmful drug interactions or other problems.

       Please be sure to present your prescription drug ID card to your pharmacist each time you or
your covered family member purchases a prescription drug. If you do not show your ID card when
purchasing a prescription, you will not receive the discounted rate that the network pharmacy has
agreed to charge, and you will need to submit a claim form for reimbursement. When you submit your
claim form and pharmacy receipt, you will be reimbursed for the cost of the drug, less the discount and
the applicable co-pay.

        To find a network pharmacy in your area, visit www.medco.com or call Medco at 1-800-318-
7496.

        Prescription drugs filled at an out-of-network pharmacy are not covered under the Plan.

Medco By Mail

      You can order prescribed drugs through the mail conveniently and economically whenever you
need medicines regularly, such as for long-term or health maintenance conditions.

       In addition, there are some medications, such as narcotics, that are available through Medco By
Mail but which cannot be filled for a 90-day supply. Please note that certain drugs may not be
available through Medco By Mail.

       With each order, you send the appropriate co-payment (or the price of the prescription, if less)
for each prescription, up to a 90-day supply. This service is not available outside the United States.
                                                   31
Here’s how to use Medco By Mail:

       1.      Ask your doctor to write your prescription for up to a 90-day supply - with refills
               for up to one year.
       2.      Mail your original prescription, a completed order form and your co-insurance - to
               Medco by Mail. You can send a check or money order, or you may authorize billing to
               your credit card. You can obtain mail service order forms at
               www.yourbenefitsresources.com/genworth or by calling the toll-free number on your
               prescription drug ID.
       3.      You will receive your order - via U.S. Mail or UPS within two weeks, along with
               instructions for ordering refills.

        For your first order - You’ll need to include a completed Health, Allergy & Medication
Questionnaire with your first order (and whenever you need to update your personal or medical
information). This helps alert the pharmacist to potential interactions or problems with other
prescription drugs you’re currently taking. All information remains confidential.

       To help make the transition to mail order easier, you also may want to ask your doctor to write
an additional prescription that you can fill at your local retail pharmacy while your mail order is being
processed.

       To order refills - You can order your prescription refills online at www.medco.com or over the
phone by calling the toll-free number on your prescription drug ID card.

About generic drugs

      By law, generic drugs contain the same active ingredients and are subject to Food and Drug
Administration (FDA) standards for quality, strength and purity. Generic drugs are called by their
chemical name, rather than by a brand name chosen by the manufacturer.



Prescription drug Coverage review requirement

        For some medications, you must obtain pre-approval through the coverage review process in
order to obtain coverage. This means the prescription drug benefit administrator must review the
prescriptions with your doctor before they can be filled under your plan, since more information than
what is on the prescription is needed. The review uses plan rules based on FDA-approved prescribing
and safety information, clinical guidelines, and uses that are considered reasonable, safe, and effective.
Unless your doctor obtains approval, you will be responsible for the entire cost of the drug.

       Examples of drug categories currently under review under the Plan include:

−   Alzheimer Therapy (Cognex, Aricept, Exelon, Reminyl)
−   Alpha, Beta, Gamma Interferons (Alferon, Intron, Roferon, Infergen, Rebetron, Rebetol, Pegasys,
    Actimmune, Betaseron, Avonex)
−   Appetite Suppressants (Didrex, Tenuate, Maxanor, Sanorex Various, Ionamin, Various Meridia,
    Xenical)

                                                    32
−   Botulinum Toxin (Botox, Myobloc)
−   Clarinex
−   Copaxone
−   Enteral Nutritional Supplements
−   Erythroid Stimulants (Procrit, Epogen)
−   Fertility Agents (Pergonal, Gonal-F, Repronex, Follistim, Humegon, Fertinex, Profasi, A.P.L.,
    Chorex, Pregnyl, Clomid, Serophene, Lutrepulse, Factrel, Synarel, Lupron, Antagon, Crinone,
    Bravelle)
−   Glucophage XR
−   Growth Hormone (Genotropin, Humatrope, Norditropin, Nutropin, Saizen, Protropin, Geref,
    Serostim)
−   Hepsera
−   Myeloid Stimulants (Neupogen, Leukine, Neumega)
−   Nonsteroidal Anti-inflammatory Agents (Celebrex, Vioxx, Bextra)
−   Prozac Weekly
−   Retin-A, age 35 or over
−   Smoking Deterrents (Nicotrol Nasal Spray, Nicotrol Inhaler, Zyban)
−   Viagra
−   Zetia

        The list of drugs requiring prior authorization may be modified at any time, as new drugs come
on to the market and prescribing practices change. A complete list of drugs subject to prior
authorization is available at www.medco.com or by calling 1-800-318-7496.

        If your doctor wants to prescribe a medication on the prior authorization list, he or she should
first contact Medco at the toll-free number on your prescription drug ID card to determine whether the
drug will be covered. If it’s determined that the drug is being prescribed for use outside the Plan’s
conditions for coverage, you and your doctor will be sent a letter indicating that the drug will not be
covered. If there are special circumstances that call for further consideration, your doctor may file an
appeal in writing. Instructions for filing an appeal will be included in the letter to your physician.

Diabetic supplies

      Certain prescribed diabetic supplies are covered under the Plan only when purchased through a
network pharmacy or by mail:

    •   Glucose monitors - one per year, with no co-insurance;
    •   Insulin - applicable prescription drug co-insurance applies;
    •   Syringes/needles - no co-insurance; and
    •   Related supplies (for example, lancets, test strips and alcohol swabs) - no co-insurance.

       Please note - Diabetic supplies purchased through other medical supply vendors will not be
covered.

Family planning benefits

       Oral contraceptives (birth control pills) are covered under the Plan. Over-the-counter
contraceptives (that is, those available without a doctor’s prescription) are not covered.



                                                   33
Other drugs

      Covered prescription drugs also include prescription nicotine patches purchased at a network
pharmacy or through the mail when you certify that you’re enrolled in a program to stop smoking.


8.     MENTAL HEALTH AND SUBSTANCE ABUSE TREATMENT

       The Plan offers two ways to access quality mental health and substance abuse treatment at
reduced cost - through your local Employee Assistance Program (EAP) and through the mental health
and substance abuse treatment network.

Employee Access Programs (EAPs)

       Personal and confidential assessment, counseling and referral services, known as Employee
Access Programs (EAPs), are available in many locations to help Company employees and their
families cope with a wide variety of concerns, such as stress, marital and family conflicts, substance
abuse and depression.

        If you or your dependents need any type of mental health or substance abuse treatment, you or
your dependents should contact your local EAP first. Through the EAP, you may be eligible for
certain services, including short-term mental health treatment, at no cost to you. If you need additional
treatment, the EAP will work with the mental health and substance abuse benefits administrator to
refer you to providers within the treatment network.

     Call 1-800-455-8812 to be referred to the EAP in your area. The benefits administrator for
Genworth EAP is Harris, Rothenberg International.

Mental health and substance abuse treatment network

         Mental health and substance abuse providers are available through the BlueCard PPO network
just like medical providers. Please refer to the anthem website for information on how to locate
BlueCard PPO providers.

        You may use an approved out-of-network provider, if you wish, although at a higher cost to
you. Expenses for out-of-network mental health and substance abuse treatment do not count toward
your annual out-of-pocket maximum. In addition, the services of addiction counselors are not covered
out of network.

Substance abuse treatment coverage limits

       Each covered person is eligible to receive benefits for up to three substance abuse treatment
programs per lifetime.

Mental health and substance abuse treatment

       Care must be approved in advance by the benefits administrator. Limits apply to mental health
and substance abuse treatment combined.



                                                   34
                                In-Network                       Out-of-Network

                                                                 Benefits are paid up to
                                                                 allowable charge amounts.

Mental Health and Substance
Abuse

Inpatient                       15% Co-Insurance after           30% Co-Insurance after
                                deductible is met.               deductible is met.
                                Limit of 30 days per calendar    Limit of 30 days per calendar
                                year (combined with out-of-      year (combined with in-
                                network) coverage.               network) coverage.

                                15% Co-Insurance after           30% Co-Insurance after
Outpatient                      deductible is met.               deductible is met.
                                Maximum of 40 visits per         Limit of 40 days per calendar
                                calendar year (combined with     year (combined with in-
                                out-of-network)                  network) coverage.




9.     HIPAA RIGHTS

        The Department of Health and Human Services issued comprehensive Federal regulations
under the Health Insurance Portability and Accountability Act (“HIPAA”) that give individuals broad
protections over the privacy of their personal health information. These regulations protect the
confidentiality of your personal health information and allow you access to your medical records.

       This section summarizes your rights under the HIPAA privacy regulations and acts as the
Notice of Privacy Practices.

        We are required to protect the privacy of your health information. We call this information
“protected health information,” or “PHI” for short, and it includes information that can be used to
identify you. We must provide you with this Notice about our privacy practices that explains how,
when, and why we use and disclose your PHI. With some exceptions, we may not use or disclose any
more of your PHI than is necessary to accomplish the purpose of the use or disclosure.

       The Plan provides health and dental benefits to you as described in your summary plan
descriptions. The Plan receives and maintains your medical information in the course of providing
these health benefits to you. The Plan hires business associates, such as Anthem, to help it provide
these benefits to you. These business associates also receive and maintain your medical information in
the course of assisting the Plan.

       We reserve the right to change the terms of this Notice and our privacy policies at any time.
Before we make an important change to our policies, we will promptly change this Notice and send a
new notice to all subscribers covered by the Plan at that time.

How the Plan may use and disclose your PHI without your consent or authorization
                                                  35
The Plan may use and disclose your medical information for the following purposes:

   •   Health Care Providers’ Treatment Purposes. The Plan may disclose your medical information
       to your doctor, at the doctor’s request, for your treatment by him or her.

   •   Payment. The Plan may use or disclose your medical information to pay claims for covered
       health care services or to provide eligibility information to your doctor when you receive
       treatment.

   •   Health Care Operations. The Plan may use or disclose your medical information: (i) to
       conduct quality assessment and improvement activities, (ii) for underwriting, premium rating,
       or other activities relating to the creation, renewal or replacement of a contract of health
       insurance, (iii) to authorize business associates to perform data aggregation services, (iv) to
       engage in care coordination or case management, and (v) to manage, plan or develop the Plan’s
       business.

   •   Health Services. The Plan may use your medical information to contact you to give you
       information about treatment alternatives or other health-related benefits and services that may
       be of interest to you. The Plan may disclose your medical information to its business associates
       to assist the Plan in these activities.

   •   As Required by Law. The Plan must allow the U.S. Department of Health and Human Services
       to audit Plan records. The Plan may also disclose your medical information as authorized by
       and to the extent necessary to comply with workers’ compensation or other similar laws.

   •   To Business Associates. The Plan may disclose your medical information to business
       associates the Plan hires to assist the Plan. Each business associate of the Plan must agree in
       writing to ensure the continuing confidentiality and security of your medical information.

   •   To Plan Sponsor. The Plan may disclose to the Company, as Plan Sponsor, in summary form,
       claims history and other similar information. Such summary information does not disclose
       your name or other distinguishing characteristics. The Plan may also disclose to the Plan
       Sponsor the fact that you are enrolled in, or disenrolled from the Plan. The Plan may disclose
       your medical information to the Plan Sponsor for Plan administrative functions that the Plan
       Sponsor provides to the Plan if the Plan Sponsor agrees in writing to ensure the continuing
       confidentiality and security of your medical information. The Plan Sponsor must also agree not
       to use or disclose your medical information for employment-related activities or for any other
       benefit or benefit plans of the Plan Sponsor.

  The Plan may also use and disclose your medical information as follows:

   •   To comply with legal proceedings, such as a court or administrative order or subpoena.

   •   To law enforcement officials for limited law enforcement purposes.

   •   To a family member, friend or other person, for the purpose of helping you with your health
       care or with payment for your health care, if you are in a situation such as a medical emergency
       and you cannot give your agreement to the Plan to do this.

                                                   36
   •   To your personal representatives appointed by your or designated by applicable law.

   •   For research purposes, in limited circumstances.

   •   To a coroner, medical examiner, or funeral director about a deceased person.

   •   To an organ procurement organization in limited circumstances.

   •   To avert a serious threat to your health or safety or the health or safety of others.

   •   To a governmental agency authorized to oversee the health care system or government
       programs.

   •   To federal officials for lawful intelligence, counterintelligence and other national security
       purposes.

   •   To public health authorities for public health purposes.

   •   To appropriate military authorities, if you are a member of the armed forces.

Uses and disclosures with your permission

        The Plan will not use or disclose your medical information for any other purposes unless you
give the Plan your written authorization to do so. If you give the Plan written authorization to use or
disclose your medical information for a purpose that is not described in this Notice, then, in most
cases, you may revoke it in writing at any time. Your revocation will be effective for all your medical
information the Plan maintains, unless the Plan has taken action in reliance on your authorization.

Additional HIPAA rights

   You may make a written request to the Plan to do one or more of the following concerning your
medical information that the Plan maintains:

   •   To put additional restrictions on the Plan’s use and disclosure of your medical information.
       The Plan does not have to agree to your request.

   •   To communicate with you in confidence about your medical information by a different means
       or at a different location than the Plan is currently doing. The Plan does not have to agree to
       your request unless such confidential communications are necessary to avoid endangering you
       and your request continues to allow the Plan to collect premiums and pay claims. Your request
       must specify the alternative means or location to communicate with you in confidence. Even
       though you requested that we communicate with you in confidence, the Plan may give
       subscribers cost information.

   •   To see and get copies of your medical information. In limited cases, the Plan does not have to
       agree to your request.

   •   To correct your medical information. In some cases, the Plan does not have to agree to your
       request.

                                                    37
      •   To receive a list of disclosures of your medical information that the Plan and its business
          associates made for certain purposes for the last 6 years (but not for disclosures before April
          14, 2003).

      •   To send you a paper copy of this Notice if you received this Notice by e-mail or on the Internet.

        If you want to exercise any of these rights described in this Notice, please contact the Privacy
Officer listed below. The Plan will give you the necessary information and forms for you to complete
and return to the Privacy Officer. In some cases, the Plan may charge you a nominal, cost-based fee to
carry out your request.

Complaints

       If you believe your privacy rights have been violated by the Plan, you have the right to
complain to the Plan or to the Secretary of the U.S. Department of Health and Human Services. You
may file a complaint with the Plan’s Privacy Officer (see below). We will not retaliate against you if
you choose to file a complaint with the Plan or with the U.S. Department of Health and Human
Services.

Privacy Officer

        To request additional copies of this Notice or to receive more information about our privacy
practices or your rights, please contact the Plan’s Privacy Officer: Leon Roday, Genworth Chief Legal
Officer, between the hours of 8:30 a.m. and 5:00 p.m. at 804-662-2574.

10.       CLAIMS AND APPEALS PROCEDURES

Complaint and appeal process

        In order for the Plan to remain responsive to your needs, Anthem has established both a
complaint process and an appeal process. Should you have a problem or question about the Plan, an
Anthem Member Services representative will assist you. Most problems and questions can be handled
in this manner. You may also file a written complaint or appeal with Anthem. Complaints typically
involve issues such as dissatisfaction about the Plan’s services, quality of care, the choice of and
accessibility to the Plan’s providers and network adequacy. Appeals typically involve a request to
reverse a previous decision made by the Plan. Requests regarding claim errors, claim corrections, and
claims denied for additional information may be reopened for consideration without having to invoke
the appeal process.

Complaint process

       Upon receipt, your complaint will be reviewed and investigated. You will receive a response
within 30 calendar days of the Plan’s receipt of your complaint. If Anthem is unable to resolve your
complaint in 30 calendar days, you will be notified on or before calendar day 30 that more time is
required to resolve your complaint. Anthem will then respond to you within an additional 30 calendar
days.

       Important: Written complaints or any questions concerning your health insurance may be
submitted to the following address:


                                                      38
       Anthem Blue Cross and Blue Shield
       Attention: Member Services
       P.O. Box 27401
       Richmond, VA 23279

Appeal process

        The Plan is committed to providing a full and fair process for resolving disputes and
responding to requests to reconsider coverage decisions you find unacceptable. There are two types of
appeals. Internal appeals are requests to reconsider coverage decisions of pre-service or post-service
claims. Expedited appeals are made available when the application of the time period for making pre-
service or post-service appeal decisions could seriously jeopardize the patient’s life, health or ability to
regain maximum function, or in the opinion of the patient’s physician, would subject the patient to
severe pain that cannot be adequately managed without the care or treatment. Situations in which
expedited appeals are available include those involving prescriptions to alleviate cancer pain, when the
cancer patient would be subjected to pain.

How to appeal a coverage decision

        To appeal a coverage decision, please send a written explanation of why you feel the coverage
decision was incorrect. Alternatively, this information may be provided to an Anthem Member
Services representative over the phone. This is your opportunity to provide any comments, documents,
or information that you feel your health plan should consider when reviewing your appeal. Please
include with the explanation:

   •   the patient’s name, address and telephone number;
   •   your identification and group number (as shown on your identification card); and
   •   the name of the health care professional or facility that provided the service, including the date
       and description of the service provided and the charge.

       Important: You may contact Member Services with your appeal or any questions concerning
your health insurance at the following:

       Address:
       Anthem Blue Cross and Blue Shield
       Attention: Corporate Appeals Department
       P.O. Box 27401
       Richmond, VA 23279

       Telephone:
       804-358-1551
       in Richmond
       800-451-1527
       from outside Richmond

      You must file your appeal within either 15 months of the date of service or 180 days of the date
you were notified of the adverse benefit determination, whichever is later.




                                                    39
How the Plan will handle your appeal

        In reviewing your appeal, Anthem will take into account all the information you submit,
regardless of whether the information was considered at the time the initial coverage decision was
made. A new review will be completed, and Anthem will not assume the correctness of the original
determination. The individual reviewing your appeal will not have participated in the original
coverage decision, and will not be a subordinate of the individual who made the original
determination. Appeals involving medical necessity will be reviewed by a practitioner who holds a
non-restricted license in the Commonwealth of Virginia or under comparable licensing law in the same
or similar specialty as typically manages the medical condition, procedure or treatment under review.
Any other decision that involves the review of medical information will be made by appropriate
clinical staff.

Anthem will resolve and respond in writing to your appeal within the following timeframes:

   •   For pre-service claims, Anthem will respond in writing within 30 days after receipt of the
       request to appeal;

   •   For post-service claims, Anthem will respond in writing within 60 days after receipt of the
       request to appeal; or

   •   For expedited appeals, Anthem will respond orally within 1 working day after receipt, from the
       member or treating provider, of the request to appeal, and will then provide written
       confirmation of our decision to the member and treating provider within 24 hours thereafter.

        When Anthem’s review of your appeal has been completed, you will receive written
notification of the outcome. In the event that the original coverage decision is upheld, the written
notification will include the specific reasons and the Plan provision(s) on which the determination is
based. You will also be entitled to receive, upon request and at no charge, the following: reasonable
access to, and copies of, all documents, records, and other information relevant to the appeal;

   •   any rule, guideline, protocol or criterion relied upon in the coverage decision(s);

   •   the explanation of the scientific or clinical judgment as it relates to the patient’s medical
       condition if the coverage decision was based on the medical necessity or experimental nature of
       the care; and

   •   the identification of medical or vocational experts whose advice was obtained by the plan in
       connection with the claimant’s adverse decision, whether or not the advice was relied upon.

Notice in writing

        Any notice required under the Plan must be in writing. Notice given to your employer will be
sent to your employer’s address, stated in the group application as provided by the group. Notice given
to a covered person will be sent, at our option, to the Plan administrator or to your address as it appears
on our records. Anthem, the Plan administrator, or a covered person may indicate a new address for
giving notice.




                                                    40
Benefits Appeals Committee Appeal

        You may file a written request for consideration to the Benefits Appeals Committee within 60
days after receiving the denial from your initial appeal. Documents or records in support of the appeal
should accompany your request. The Benefits Appeals Committee will respond within 60 days after
receipt of the appeal, explaining the reasons for the decision. Send written request to:

       Genworth Financial, Inc.
       Benefits Appeals Committee
       P.O. Box 26649
       Richmond, VA 23261-6649


Exhaustion

       Upon completion of the appeals process, a claimant will have exhausted his or her
administrative remedies under the Plan. If the benefits administrator fails to complete a claim
determination on appeal within the time limits set forth above, the claimant may treat the claim or
appeal as having been denied, and the claimant may proceed to the next level in the review process.

Time limits on legal action

        No legal action on a claim may be brought against Anthem or the Plan until after all appeal
rights with respect to the claim have been exhausted. No legal action on a claim may be brought more
than one year following the date that all appeal rights with respect to the claim have been exhausted.
This limit applies to matters relating to this Plan, to Anthem’s performance under this Plan, or to any
statement made by an employee, officer, or director of Anthem concerning this Plan or the benefits
available to a covered person.

Limitations of damages

        In the event a covered person or his representative sues Anthem, or any of its directors,
officers, or employees acting in his or her capacity as director, officer, or employee, for a
determination of what coverage and/or benefits, if any, exist under this Plan, the damages shall be
limited to the amount of the covered person’s claim for benefits. The damages shall not exceed the
amount of any claim not properly paid as of the time the lawsuit is filed. Under no circumstances shall
this provision be construed to limit or preclude any extra contractual damages that may be available to
you or your representative.

Laws governing this health plan

       This health plan is governed by federal laws regulating employer welfare plans.

Anthem’s continuing rights

       On occasion, Anthem may not insist on your strict performance of all terms of the Plan. This
does not mean the Plan gives up any future rights it has under this health Plan.

Anthem’s relationship to providers


                                                   41
       The choice of a health care provider is solely the covered person’s. Providers are neither
Anthem employees nor agents. Anthem can contract with any appropriate provider or facility to
provide services to you. Anthem’s inclusion or exclusion of a provider or a covered facility in any
network is not an indication of the provider’s or facility’s quality or skill. Anthem makes no
guarantees about the health of any providers. Anthem does not furnish covered services but only
makes payment for them when received by covered persons.

       Anthem is not liable for any act or omission of any provider, nor is Anthem responsible for a
provider’s failure or refusal to render covered services to a covered person.

Assignment of payment

       A covered person may not assign the right to receive payment for covered services. Prior
payments to anyone, whether or not there has been an assignment of payment, shall not waive or
otherwise restrict, Anthem’s right to direct future payments to a covered person or any other entity.
This provision does not apply to dentists and oral surgeons.

11.    ADMINISTRATIVE INFORMATION

What is Genworth Financial’s employer identification number?

        The employer identification number assigned to Genworth Financial, Inc. (as the sponsor of
this Plan) is 33-1073076.

Who is the Plan Administrator?

       The Plan Administrator has the authority to control and manage the operation and
administration of this Plan and is the agent for service of legal process.

       The Plan Administrator is:

       Benefits Committee
       Genworth Financial, Inc.
       Benefits Deparment
       P.O. Box 26649
       Richmond, VA 23261-6649

        The Benefits Committee has delegated Anthem Blue Cross and Blue Shield to provide services
as Plan Administrator for the Plan. Anthem is located at:

       Anthem Blue Cross and Blue Shield
       Attention: Member Services
       P.O. Box 27401
       Richmond, VA 23279




                                                   42
Can the Plan be changed, replaced or terminated?

        Genworth Financial, Inc. expects and intends to continue the benefits described in this
summary, but reserves the right to terminate, amend or replace the Plan in whole or in part at any time
and for any reason.

      If the Plan is terminated, you will not receive any further benefits under the Plan other than
payment of benefits for losses or expenses incurred before the Plan was terminated.

How is the Plan funded?

       Benefits under the Plan are self-insured by Genworth Financial, Inc.

What are my rights under ERISA?

        As a participant in the Plan, you are entitled to certain rights and protections under the
Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan
participants shall be entitled to:

Receive Information About Your Plan and Benefits

•   Examine, without charge, at the Plan Administrator’s office, all documents governing the Plan,
    including insurance contracts and collective bargaining agreements, and a copy of the latest annual
    report (Form 5500 Series) filed by the plan with the U.S. Department of Labor and available at the
    Public Disclosure Room of the Pension and Welfare Benefit Administration.

•   Obtain, upon written request to the Plan Administrator, copies of documents governing the
    operation of the Plan, including insurance contracts and collective bargaining agreements, and
    copies of the latest annual report (Form 5500 Series) and updated summary plan description. The
    Administrator may make a reasonable charge for the copies; no cost applies when delivered by
    email.

•   Receive a summary of the Plan’s annual financial report. The Plan Administrator is required by
    law to furnish each participant with a copy of this summary annual report.

Prudent Actions by Plan Fiduciaries

        In addition to creating rights for Plan participants, ERISA imposes duties upon the people who
are responsible for the operation of the employee benefit plan. The people who operate your Plan,
called “fiduciaries” of the Plan, have a duty to do so prudently and in the interest of you and other Plan
participants and beneficiaries. No one, including your employer or any other person, may fire you or
otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or
exercising your rights under ERISA.

Enforce Your Rights

       If your claim for a benefit is denied or ignored, in whole or in part, you have a right to know
why this was done, to obtain copies of documents relating to the decision without charge, and to appeal
any denial, all within certain time schedules.


                                                    43
         Under ERISA, there are steps you can take to enforce the above rights. For instance, if you
request materials from the plan and do not receive them within 30 days, you may file suit in a Federal
court. In such a case the court may require the Plan Administrator to provide the materials and pay
you up to $110 per day until you receive the materials, unless the materials were not sent because of
reasons beyond the control of the Administrator. If you have a claim for benefits which is denied or
ignored, in whole or in part, you may file suite in a state or Federal court. In addition, if you disagree
with the Plan’s decision or lack thereof concerning the qualified status of a medical child support
order, you may file suit in Federal court. If it should happen that Plan fiduciaries misuse the Plan’s
money, or if you are discriminated against for asserting your rights, you may seek assistance from the
U.S. Department of Labor, or you may file suite in a Federal court. The court will decide who should
pay court costs and legal fees. If you are successful, the court may order the person you have sued to
pay these costs and fees. If you lose, the court may order you to pay these costs and fees; for example,
if it finds your claim is frivolous.

Assistance with Your Questions

        If you have any questions about your Plan, you should contact the Plan Administrator. If you
have any questions about this statement or about your rights under ERISA, or if you need assistance in
obtaining documents from the Plan Administrator, you should contact the nearest office of the
Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone
directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security
Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210.
You may also obtain certain publications about your rights and responsibilities under ERISA by calling
the publications hotline of the Employee Benefits Security Administration or visiting their web site at
www.dol.gov/ebsa/.

12.    POST AGE 65 RETIREE COVERAGE

         Employees who at termination of service have attained age 55 with 25 years of service or age
60 with at least 10 years of service are eligible for post age 65 medical coverage as follows:
The Company shall pay to AARP or Genworth Medicare Supplement on a monthly basis a fixed
amount that will fund a portion of Medigap insurance coverage through AARP or Genworth Medicare
Supplement. This payment will be made for only those retirees electing Medigap insurance through
AARP or Genworth Medicare Supplement. The remaining portion of the premium will be the sole
responsibility of the retiree. If the retiree ceases payment of the premium due at any time, then
Genworth will also cease its payment.
         For eligible Participants who retire prior to age 65, the Genworth Medical Plan coverage may
continue until the end of the month before the retiree’s 65th birthday. For eligible Participants who
retire after age 65, payments by the Company will begin in the month in which the Participant retires.
If an eligible retiree is post 65, but the spouse it not, the spouse may stay on the Genworth Medical
Plan until age 65. If an eligible retiree is pre 65, but the spouse is not, the spouse may stay on the
Genworth Medical Plan until the retiree is age 65.

                             Medical Subsidy for Eligible Retirees Post 65

                           10-19 yrs of service          $100 per month
                           20-29 yrs of service          $150 per month
                             30+ yrs of service          $200 per month




                                                      44
Genworth reserves the right to amend, modify or terminate retiree coverage at any time.




                                                 45
                                            APPENDIX A

                             BI-WEEKLY PAYROLL DEDUCTIONS

                                         Premiums for 2008

       If you’re an eligible employee or eligible Pre-65 Retiree, here are your bi-weekly costs for
coverage under the Genworth Medical Plan:

                                             Medical Premiums*


                          Up to $25,000- $37,500- $50,000- $75,000- $100,000- $150,000
     Benefits Pay
                         $24,999 $37,499 $49,999 $74,999 $99,999 $149,999 or more

     Employee             11.59     14.51      18.34     26.70      32.95    46.51       69.23
 Employee + Spouse        25.07     31.17      39.23     56.77      69.92    99.34       147.24
Employee + Child(ren)     22.61     28.14      35.44     51.30      63.20    90.07       133.47
 Employee + Family        36.07     44.80      56.33     81.38     100.17    141.06      209.22


* Excludes $85 Bi-Weekly Spousal Surcharge



                              Medical Bi-Weekly Spousal Surcharge
                                                  Full Time     Part Time
                       Employee only                  $0.00         $0.00
                       Employee plus spouse          $85.00        $85.00
                       Employee plus child            $0.00         $0.00
                       Employee plus family          $85.00        $85.00




                                                   46
                                                APPENDIX B

                                      IMPORTANT DEFINITIONS

Benefits Pay

Benefits Pay, also known as Benefits Base Rate, is the compensation that an employee’s benefits
will be based on to determine health care premiums, insurance premiums, and insurance
coverage (including Basic Life and Long-term Disability).

For those employees who are paid under a Sales Incentive Plan, the formula for determining
Benefits Pay is as follows:

             Prior Year’s Total Comp*+ Current Year’s Projected Comp** as of approximately Aug.1
                                                      2

* Total comp is defined as Base salary plus bonus/commission payments.
* Projected comp is defined as Base salary plus actual and projected bonus/commission payments


Benefits Pay for employees who have moved to the sales position after 1/1 of the prior year will
be based off the total target compensation for the position. Non-executive employees on a Sales
Incentive Plan will have their Benefits Pay capped at the Code Section 401(a)(17) limit
($225,000 for 2007).

For all other employees, Benefits Pay will be calculated as follows:

                        Current Year Base Salary as of Aug. 1 + Bonus Target as of Aug. 1

Note: Overtime, night shift differentials, management awards, and Reach for Success (RFS) are not included in your
Benefits Pay calculation



Examples:

Margaret is paid on a Sales Incentive Plan. In 2006, she made $76,000 in Total Compensation
(Commissions + Base) and as of approximately August 1, 2007, she is projected to make
$82,000. Margaret’s Benefits Pay for 2008 would be calculated as follows:

                                            $76,000 + $82,000 = $79,000
                                                       2

Renee is paid on a traditional salary plan with Variable Incentive Compensation. Her base salary
as of August 1, 2006 was $60,000 and she has a target VIC bonus of 7% ($4,200). Renee’s
Benefits Pay for 2007 would be calculated as follows:

$60,000 + $4,200 = $64,200
Note: Benefits pay is rounded down to the nearest $1,000, so Renee’s Benefits Pay will be $64,000
Allowable charge

Services and supplies are determined by the medical carrier to be allowable charge if they are:

   •   Appropriate and consistent with the diagnosis or symptoms;
   •   Consistent with accepted medical standards;
   •   Not experimental or investigational;
   •   Not provided solely on a convenience or personal basis; and
   •   Employed appropriately, effectively and safely with respect to the type and level of care.

Deductible
The initial amount of covered medical expenses that you are required to pay each year before
the Genworth Medical Plan begins to pay benefits.
It applies to all services that are subject to co-insurance .
An individual deductible applies separately to you and to each of your covered dependents.
When any covered dependent reaches his or her individual deductible, the Genworth Medical
Plan begins to pay benefits for that individual.
 A family deductible is the total amount you and your covered dependents have to pay in
covered medical expenses that are subject to co-insurance each calendar year before
Genworth’s Medical Plan begins to pay benefits. There is no limit on the number of covered
family members. When the combined amount you pay for individual deductibles reaches the
amount of your family deductible, the plan begins to pay benefits for you and your covered
dependents.
Note: in-network deductibles do not count toward out-of-network deductibles, and vice-
versa.
Co-insurance
After deductibles are met, the Genworth Medical Plan begins paying a percentage of covered
services. The remaining amount is paid by the employee. The employee and Genworth are
each responsible for a percentage of the cost. These amounts are called co-insurance. There
are certain services that do not require a co-insurance payment from the employee, such as
routine preventive care and immunizations..


Annual out-of-pocket maximum

This is the most your family has to pay in covered medical expenses each calendar year.
Once your share of covered expenses in a calendar year reaches your annual out-of-pocket



                                                 2
maximum, the Genworth Medical Plan pays the full cost of your remaining covered expenses
for that year, up to the maximum lifetime benefit ($2,500,000).
The amount of your annual out-of-pocket maximum is based on the Genworth Medical Plan
coverage election that you choose.
Some expenses do not count toward your out-of-pocket maximum:
   •   When you do not follow required approval procedures or recommendations for certain
       out-of-network benefits;
   •   Amounts that are above allowable amounts for out-of-network expenses
   •   Amounts above the plan's maximum benefit amounts
   •   Any expenses not covered by the plan
       In-network out-of-pocket maximums do not count toward out-of-network out-of-pocket
       maximums, and vice-versa.




                                            3
                                   APPENDIX C

               Creditable Prescription Drug Coverage Notice
Important Notice from Genworth Financial About Your Prescription
Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice
has information about your Genworth Financial prescription drug coverage and
Medicare prescription drug coverage. This notice applies to you and/or your
covered family members that are eligible for Medicare.

 • Starting January 1, 2006, new Medicare prescription drug coverage will
   be available to everyone with Medicare.

 • Genworth Financial has determined that its prescription drug plans are
   “Creditable”. This means that all of the Genworth Prescription Drug
   Plans are expected to pay out at least as much as Medicare prescription
   drug coverage for a standard prescription drug claim.

Because you have existing prescription drug coverage that, on average, is as good
as Medicare coverage, you can choose to join a Medicare prescription drug plan
later without penalty if you sign up for Medicare prescription drug coverage within
63 days of your Genworth coverage ending.




                                         4
Creditable Prescription Drug Coverage Notice                                  Page 2

If you do decide to enroll in a Medicare prescription drug plan, your
Genworth Financial coverage will not change.

Your Genworth Financial coverage pays for other medical expenses in addition to
prescription drugs. This coverage provides benefits before Medicare coverage
does. You and your covered family members that choose to enroll in a Medicare
prescription drug plan will be eligible to receive these benefits. Medicare
prescription drug coverage will be secondary for you or the covered family
members that choose to enroll in a Medicare prescription drug plan.

When Genworth Financial Prescription Drug Coverage Ends

If you drop or lose your coverage with Genworth Financial and don’t enroll in
Medicare prescription drug coverage after your current coverage ends, you may
pay more to enroll in Medicare’s prescription drug coverage later. If after May 15,
2006, you go 63 days or longer without prescription drug coverage that’s at least as
good as Medicare’s prescription drug coverage, your monthly premium will go up
at least 1% for every month after your initial enrollment period that you did not
have that coverage. For example, if you go nineteen months without coverage,
your premium will always be at least 19% higher than what most other people pay.
You’ll have to pay this higher premium as long as you have Medicare prescription
drug coverage.


Remember: Keep this notice. If you enroll in a Medicare prescription drug
plan after the initial enrollment period, you may need to produce this
document to avoid paying a higher premium. You must also sign up for the
Medicare prescription drug coverage within 63 days of your Genworth
coverage ending to avoid paying the higher premium.




                                               5
Creditable Prescription Drug Coverage Notice                                  Page 3


For More Information
If you need additional information, access the Your Benefits Resources™ Web site
at http://resources.hewitt.com/genworth or call the Genworth Financial Benefits
Center toll-free at 1-866-436-9784. Genworth Financial Benefits Center
Representatives are available between 8 a.m. and 4 p.m., Central time, Monday
through Friday. The Web site and automated telephone system are available
24 hours a day, Monday through Saturday, and after 12 p.m., Central time, on
Sunday.

Please address any written correspondence to:

Your Benefits Resources Customer Care Center
P.O. Box 785020
Orlando, Florida 32878-5020

Note: You may receive this notice at other times in the future such as before the
next period you can enroll in Medicare prescription drug coverage, and if your
Genworth Financial prescription drug coverage changes. You also may request a
copy.




                                               6
Creditable Prescription Drug Coverage Notice                                  Page 4


For More Information about Medicare Prescription Drug Coverage
More detailed information about Medicare plans that offer prescription drug
coverage is available in the “Medicare & You” handbook from Medicare. You’ll
get a copy of the handbook in the mail from Medicare each October. You may also
be contacted directly by Medicare prescription drug plans. You can also get more
information about Medicare prescription drug plans from these places:

• Visit www.medicare.gov for personalized help,
• Call your State Health Insurance Assistance Program (see your copy of the
  “Medicare & You” handbook for the telephone number),
• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-
  2048.

For people with limited income and resources, extra help paying for a Medicare
prescription drug plan is available. Information about this extra help is available
from the Social Security Administration (SSA). For more information about this
extra help, visit SSA online at www.socialsecurity.gov, or call them at 1-800-772-
1213 (TTY 1-800-325-0778).




                                               7

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:0
posted:5/25/2013
language:Unknown
pages:55
yaofenjin yaofenjin http://
About