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					Regis Benefits
S t y l e d t o S u i t Yo u
R e gi s B e n e f i ts: St y l e d t o Sui t You
                              At Regis, we recognize that our
                              most valuable asset is you. You are
                              the heart and soul, the brain and
                              the creativity behind everything
                              we do. One of the best ways that
                              we can show your value to the
                              company is to invest in you.


                              Therefore,   Regis    provides   a
                              comprehensive benefits program
                              with choices that you can tailor to
                              suit your needs. Because — more
                              than anyone — Regis understands
                              the importance of individuality. Of
                              personal style. It’s what has made
                              us what we are today.
       Benefits Eligibility
Eligibilty
If you are a regular, full-time employee, you are eligible for all       The following children are eligible to participate in Regis
of the benefits described in this booklet. You are considered            benefits:
full-time if you are regularly scheduled to work at least 25 hours          • your natural children
a week. If you work in San Francisco or Massachussetts, you are             • children who have been placed with you for adoption
considered full-time if you regularly work eight hours per week             • stepchildren, foster children and children for whom you
or more. If you work in Hawaii, you are considered full-time if                have legal guardianship
you regularly work 20 or more hours per week for 4 consecutive              • a child that you are required to cover under your Medical
weeks.                                                                         Plan because of a Qualified Medical Child Support Order
                                                                               (QMCSO)
Your dependents are also eligible for some Regis benefits,                  • children of a domestic partner who live with you and can
including:                                                                     be claimed on your tax return or your domestic partner’s
    • Medical                                                                  tax return
    • Dental
    • Vision                                                             Yo u r C h o i c e s
    • Supplemental Life Insurance                                        Regis provides a complete package of benefits aimed at
    • Supplemental AD&D Insurance                                        providing flexible insurance protection and programs to
                                                                         meet your ever-changing needs. Some benefits are provided
Which Dependents Are Eligible?                                           automatically at no cost to you. Other benefits are available if
Eligible dependents include:                                             you choose them. Pick from the benefits listed below to see what
    • your legal spouse                                                  kind of benefits package is right for you and your current needs:
    • unmarried, dependent children younger than age 19                      • Medical Insurance
    • unmarried, dependent children younger than age 26 if                   • Dental Insurance
      they are full-time students                                            • Vision Care
    • unmarried, dependent children of any age who become                    • Life and AD&D Insurance
      mentally or physically disabled before age 19 (or age 26 if            • Disability Insurance
      they were students at the time they became disabled)                   • Flexible Spending Accounts
                                                                             • Commuter Benefits (San Francisco only)
Domestic partners of the same sex and children of your
domestic partner who live with you are eligible for Medical,
Dental, Vision, and Life Insurance. Your domestic partner
and your domestic partner’s children will be eligible for Regis
benefits at the same time that you become eligible. In order
to enroll, you must provide certification of your domestic
partnership.

Please go to www.regisconnect.com for the required certification
documents.




                                                                  3 Regis Corporation
       Medical
       All Except Hawaii




Depending on how long you have participated in a Regis medical plan
and what you do, you may be able to choose between two or all five new
Medical Plan options. This chart shows which Plans you can choose.

If you are…                        you can choose…
                     Copper Bronze   Emerald    Sapphire    Diamond
                      Plan   Plan     Plan        Plan        Plan
Salon Employee
(if you are a new
hire or this is        ✔                 ✔
your first time
enrolling)
Salon Employee
(if you began
participating for      ✔      ✔          ✔          ✔           ✔
the first time in
2009 or earlier)
Salon Manager          ✔      ✔          ✔          ✔           ✔
Home Office
(Area Supervisors,
Regional
Managers, Hair
                       ✔      ✔          ✔          ✔           ✔
Club for Men and
Women, Sassoon,
or Distribution
Centers)




                                                             4 Regis Corporation
                      The Copper Plan
The Highlights                                                                How Major Medical Works
   • Affordable premium with limited coverage, same plan as Level 1 in        What if you have bigger medical expenses? Like a long
     years past                                                               hospital stay or long-term treatment for a condition
   • Pays a flat amount when you go to the doctor, go in the hospital or      like cancer or a heart disease? The Copper Plan includes
     receive other basic care                                                 Major Medical coverage that helps protect you from
   • You pay the amount that the plan doesn’t pay                             medical bills that are bigger or longer term than what is
   • Includes coverage for large medical bills (surgery, long-term            covered by the Copper Plan’s Basic Benefits.
     disease treatment, etc.) that could cause a financial emergency
     without insurance                                                         Stage 1:         The deductible is the portion of your
   • Pays up to $15,000 in benefits per year                                   Pay the          medical expenses that you pay on your
                                                                               deductible.      own before the plan starts paying benefits.
                                                                                                • If you only have coverage for yourself,
The Details                                                                                        your deductible is:
                                                                                                     o $2,500 when you use a doctor
How Basic Benefits Work                                                                                or a facility (like a hospital) that
This chart shows how much the Plan will pay for many kinds of routine                                  participates in our Plan (“in the
medical expenses. Keep in mind that these limits are per person not for                                network”).
                                                                                                     o $7,500 when you use a doctor or a
all family members combined.
                                                                                                       facility (like a hospital) that does
                                                                                                       not participate in our plan (is
  Medical Expense          Amount     Number of Times       Total Amount
                                                                                                       “outside the network”).
                           the Plan   the Plan Will Pay     the Plan Will
                             Pays         Each Year         Pay in a Year                       • If you cover yourself and any family
                                                                                                   members, your total deductible is:
Wellness Visits (regular     $300       1 visit each year        $300
                                                                                                      o $5,000 when you use a doctor
check-ups, tests, etc.)
                                                                                                         or a facility (like a hospital) that
Doctor’s Office Visits       $75       4 visits each year       $300
                                                                                                         participates in our Plan (“in the
(if you are sick or hurt
                                                                                                         network”).
or for additional
                                                                                                       o $15,000 when you use a doctor
well-child visits)
                                                                                                         or a facility (like a hospital that
Accident Benefits           $500       1 time each year         $500                                     does not participate in our plan (is
(if you are injured                                                                                      “outside the network”).
in an accident)
                                                                               Stage 2:         After you have paid the deductible, you
Emergency Room               $75       1 visit each year         $75           Split the cost   start splitting the bill with the Plan.
Diagnostic X-ray             $60       4 visits each year       $240           with the Plan.   • The Plan pays 70% of your bills when
and Lab                                                                                            you use a doctor or medical facility
Hospital Room and           $150       5 days each year         $750                               (like a hospital) that is in the network.
Board(when you spend                                                                               You pay 30%.
the night)                                                                                      • The Plan pays 40% of your bills when
Hospital Services           $300       5 days each year        $1,500                              you use a doctor or medical facility
(not including Intensive                                                                           (like a hospital) that is not in the
Care Unit)                                                                                         network. You pay 60%.
Intensive Care Room         $450       30 days each year       $13,500
and Board                                                                                       The Plan will continue to split the cost
                                                                                                with you until the Plan has paid $15,000
Intensive Care Services     $500       30 days each year       $15,000
                                                                                                in one year. After that, you pay 100% of
Substance Abuse             $250       30 days each year        $7,500                          your medical bills for the rest of the year.
Treatment
(in a hospital)
Mental Health               $250       60 days each year       $15,000
Treatment
(in a hospital)
Skilled Nursing             $250       60 days each year       $15,000
Facility Benefit
Surgical Expenses           $500       1 time each year         $500


                                                                 5 Regis Corporation
                       The Bronze Plan
The Highlights                                                                How Major Medical Works
    • Affordable premium with a lower deductible                              Major Medical pays benefits in three stages.
    • Pays a flat amount when you go to the doctor’s office                    Stage 1:      The deductible is the portion of your medical
    • You pay the amount that the plan doesn’t pay                             Pay the       expenses that you pay on your own before the
    • Includes coverage for large medical bills (surgery, long-term            deductible.   plan starts paying benefits.
      disease treatment, etc.) that could cause a financial emergency                        • If you only have coverage for yourself,
                                                                                               your deductible is $2,000 when you use
      without insurance
                                                                                               a doctor or a facility (like a hospital) that
    • The Plan limits how much you will have to pay for medical                                participates in our Plan (“in the network”).
      expenses in a year                                                                     • If you cover yourself and any family
    • Pays up to $175,000 in benefits over your lifetime                                       members, your total deductible is $4,000
                                                                                               when you use a doctor or a facility (like a
                                                                                               hospital) that participates in our Plan (“in
The Details                                                                                    the network”).

How Basic Benefits Work                                                        Stage 2:      After you have paid the deductible, you start
                                                                               Split the     splitting the bill with the Plan.
This chart shows how much the Plan will pay for routine medical
                                                                               cost with     • The Plan pays 75% of your bills when
expenses. Keep in mind that these limits are per person not for all family     the Plan.        you use a doctor or medical facility (like
members combined.                                                                               a hospital) that is in the network. You pay
                                                                                                25%.
  Medical Expense          Amount     Number of Times       Total Amount                     • The Plan pays 45% of your bills when
                           the Plan   the Plan Will Pay     the Plan Will                       you use a doctor or medical facility (like
                             Pays         Each Year         Pay in a Year                       a hospital) that is not in the network. You
Wellness Visits (regular     $500       1 visit each year        $500                           pay 55%.
check-ups, tests, etc.)                                                        Stage 3:      The Plan limits how much money you will
Doctor’s Office Visits       $75       4 visits each year       $300           The Plan      have to pay for covered medical expenses in
(if you are sick or hurt                                                       pays 100%     one year. The limit is:
or for additional well-                                                        of your       • $3,250 if you have coverage for yourself
child visits)                                                                  expenses.       only
                                                                                             • $6,500 if you have coverage for yourself
Just like the Copper Plan, the Bronze Plan includes Major Medical                              and any family members.
coverage. Major Medical is designed to help cover the cost of larger
medical bills like a long hospital stay or long-term treatment for a                         If you have very high medical bills — enough
                                                                                             so that your portion of the cost reaches that
condition like cancer or a heart disease.                                                    limit — then the Plan takes over. The Plan
                                                                                             will pay 100% of your bills for the rest of the
                                                                                             year, as long as you use doctors and facilities
                                                                                             (like hospitals) that are in the network.

                                                                                             Please keep in mind that there is no limit to
                                                                                             how much you have to pay if you use doctors
                                                                                             and facilities that are not in the network. The
                                                                                             limit only applies to money you spend on
                                                                                             medical expenses from network doctors and
                                                                                             facilities.

                                                                                             The Plan will continue to pay 100% of
                                                                                             your medical bills from network doctors
                                                                                             and facilities until the Plan has paid
                                                                                             $175,000 total, over all of the time you have
                                                                                             participated in the Plan.




                                                                 6 Regis Corporation
                             The Emerald and
                              Sapphire Plans
The Emerald and Sapphire Plans work the same way, so we will discuss both of them at the same time.

The Highlights
     •   Emerald has the lowest premium with the highest deductible of the five new plans
     •   Sapphire has an affordable premium with the opportunity to earn the highest contribution to your Regis HealthFund
     •   You pay nothing for wellness visits
     •   Regis puts money in a HealthFund to help pay your portion of the cost of your medical expenses
     •   You only pay when you have used up the money in your HealthFund
     •   The Plan limits how much you will have to pay for medical expenses in a year

The Details
How Major Medical Works
Let’s see how the Major Medical coverage and the HealthFund work together to help protect your family from high medical bills.

                                                                       Emerald Plan                                           Sapphire Plan
 Stage 1: Pay the deductible                         When you use network When you choose not               When you use network          When you choose
                                                      doctors and facilities to use network doctors          doctors and facilities       not to use network
                                                                                  and facilities                                         doctors and facilities
 •   Employee only coverage                                   $5,000                    $15,000                      $2,000                     $6,000
 •   Employee + children coverage                             $8,000                    $24,000                      $3,250                     $9,750
 •   Employee + spouse coverage                              $10,000                    $30,000                      $4,000                     $12,000
 •   Family coverage                                         $15,000                    $45,000                      $5,250                     $15,750
 A deductible is the amount of money that you pay in one year before the Plan starts paying benefits.

 Note: The Plan pays 100% of the cost of your wellness visits — including annual check-ups, mammograms, baseline cancer screenings, OB/
 GYN exams, well-child visits, and immunizations.
 Stage 2: How you split the cost after you               You pay 30%                You pay 50%                You pay 25%                 You pay 45%
 meet the deductible                                   The Plan pays 70%          The Plan pays 50%          The Plan pays 75%           The Plan pays 55%
 After you have paid the deductible, you start splitting the bill with the Plan. The Plan will pay a portion of your medical bills, and you pay a portion.
 Stage 3: When the Plan takes over                    After you have paid:      No limit on how much         After you have paid:      No limit on how much
                                                                                you must pay if you do                                 you must pay if you do
 •   Employee only coverage                                  $10,000             not use the network.              $5,250               not use the network.
 •   Employee + children coverage                            $16,000                                               $8,500
 •   Employee + spouse coverage                              $20,000                                               $10,500
 •   Family coverage                                         $30,000                                               $16,500
 The Plan limits how much money you will have to pay for covered medical expenses in one year. The amount of the limit depends on which Plan you
 choose and whether you cover yourself only or if you also cover family members.

 If you have very high medical bills — enough so that your portion of the cost reaches that limit — then the Plan takes over. The Plan will pay 100% of
 your bills for the rest of the year, as long as you use doctors and facilities (like hospitals) that are in the network.

 Please keep in mind that there is no limit to how much you have to pay if you use doctors and facilities that are not in the network. The limit only applies
 to money you spend on medical expenses from network doctors and facilities.

 The Plan will continue to pay 100% of your medical bills from network doctors and facilities until the Plan has paid $2,000,000 total, over all of the time
 you have participated in the plan.




                                                                          7 Regis Corporation
                           The Emerald and
                            Sapphire Plans                                                           con’t


The HealthFund
But here’s the great thing about the Emerald and Sapphire Plans: Regis will give you money that you can use to pay for your medical
bills! These two plans include a “HealthFund” that works similar to a bank account. Regis deposits money into your HealthFund
account, and when you have a medical expense — like you get sick and go to the doctor — you can use the money in your HealthFund
to pay the bill.

Regis will make two different types of contributions to your HealthFund:
   • Automatic contributions: You don’t have to do anything to receive this money. It will be deposited into your HealthFund on
      the first day of the plan year, and you can start using it right away. If you enroll in benefits after March 1, your Regis automatic
      contribution will be based on the number of months left in the plan year.
   • Contributions you can earn: Regis will actually pay you to do things to get healthier. You can receive extra money for your
      HealthFund if you, your spouse, and/or your children do things like:
         o Take blood tests that look for health problems
         o Answer a confidential questionnaire about your health
         o Participate in a Disease Management program if you qualify (for example, if you have high blood pressure or diabetes)
         o Participate in up to two Preventive Care Exams

                                                      Emerald Plan                                         Sapphire Plan
 Regis HealthFund Contribution        Automatic       Additional you     Total money       Automatic       Addtional you      Total money
                                                        can earn           available                         can earn           available
 Employee only coverage             $100            $400               $500               $250           $1,000             $1,250
 Employee + children coverage       $200            $700               $900               $500           $1,750             $2,250
 Employee + spouse coverage         $200            $800               $1,000             $500           $2,000             $2,500
 Family coverage                    $300            $1,100             $1,400             $750           $2,750             $3,500
Go to www.regisconnect.com for more details.


In addition to the HealthFund, you can elect a Health Care Flexible Spending Account (FSA), which can also be used to pay for out-
of-pocket health care expenses. You fund this account yourself with money that is never taxed as long as you use it to pay for eligible
health care expenses. Go to page 22 for additional information on enrolling in a Health Care Flexible Spending Account.




                                                                 8 Regis Corporation
                           The Emerald and
                            Sapphire Plans                                                         con’t

Earning Additional HealthFund Contributions                                     What Can Be Reimbursed From the Accounts
Everyone who enrolls in the Emerald or Sapphire Plan will receive               Each kind of reimbursement plan can be used to cover
contributions to their HealthFund. There is an “automatic” contribution         different types of expenses.
that everyone receives, and then there are “additional” contributions                   HealthFund                   Health Care FSA
that you can earn. There are several ways to earn these additional              Medical expenses not paid     Medical expenses not paid by
contributions.                                                                  by the Emerald or Sapphire    the Emerald or Sapphire Plan:
                                                                                Plan:                         • deductibles
                                                                                • deductibles                 • co-insurance
Below is a chart showing how much Regis will contribute to your
                                                                                • co-insurance                • amounts charged by non-
HealthFund for completing each of these steps. If your spouse also
                                                                                                                network providers that are
participates in the Regis Medical Plan, you can earn even more money                                            over coverage limit
for your HealthFund when your spouse completes each of these steps.             Note: You cannot use                Dental expenses
You can even earn a contribution to your HealthFund if you have a               HealthFund money to pay for
child who completes a Preventive Care Exam or a Disease Management              prescription drugs.
                                                                                                                      Vision expenses
program.
                                                                                                               Prescription drug expenses
                               You           Your Spouse        Your Child                                         Over-the-counter
Health Risk Assessment         $100               $100                                                         medications, bandages, etc.
Biometric Screening            $100               $100                                                          Mileage to and from the
Preventive Care                $200               $200             $200                                             doctor’s office
Exams* (up to two exams      per exam           per exam         per exam
per year)
Health & Activity             $50               $50
                                                                               What Happens...
Trackers                 (per tracker,      (per tracker,                      You may be wondering what happens to money left in
                       earned quarterly) earned quarterly)                     your accounts at the end of the year or if you leave Regis.
Personal Health Record       $100               $100
Disease Management           $100               $100               $100                          At the end of the     If you leave Regis
                                                                                                       year
Maternity Management                   $100
Online Wellness               $50               $50                             HealthFund     Unused money rolls         You give up any
Program                 (per program)      (per program)                                       over to next year. At     unused money in
                                                                                                 any time, you can       your HealthFund.
*Types of Preventive Care Exams: Well Adult/Well Child, Immunizations/Flu                       have up to enough      You cannot cash out
Shot, Routine Eye Exam, Well Woman, Routine Mammogram.                                         money to cover your      the account or take
                                                                                                     deductible        the money with you.
For more information on each of these programs, see pages 14 and 15 of                        (individual or family).
this guide.                                                                     Health Care       You give up any         You give up any
                                                                                FSA           money that is left over    unused money in
                                                                                              after you have filed all   your Health Care
                                                                                              reimbursement claims FSA. But if you leave
                                                                                                   for the period       when your account
                                                                                                  March 1, 2010 –          is “negative” —
                                                                                                February 28, 2011.     meaning that you’ve
                                                                                                                         taken more out of
                                                                                                                         your account than
                                                                                                                        you have put in —
                                                                                                                        you do not have to
                                                                                                                       pay back the negative
                                                                                                                               balance.




                                                                  9 Regis Corporation
                        The Diamond Plan
The Highlights
   •   The highest premium of the five new plans with the lowest cost to you when you receive medical care
   •   You pay nothing for wellness visits
   •   You pay a flat fee (called a co-pay) when you see a doctor who participates in our plan, regardless of the doctor’s charges
   •   You pay a portion of other charges
   •   The Plan limits how much you will have to pay for medical expenses in a year


The Details
How Major Medical Works
                                                                                                          Diamond Plan
                                                                     When you choose network doctors and           When you choose not to use network doctors
                                                                                  facilities                                    and facilities
Stage 1: Pay a flat fee for doctor’s visits.                               Primary care doctors: $35                                    N/A
                                                                               Specialists: $50
When you go to a doctor you pay only a flat fee, called a co-pay. This applies whether you are seeing a “primary care” doctor — like a pediatrician
or a family doctor — or a specialist like a dermatologist. The only restriction is that your doctor needs to participate in our plan. Then your doctor is
considered an “in-network” doctor.

Note: The Plan pays 100% of the cost of your wellness visits — including annual check-ups, mammograms, baseline cancer screenings, OB/
GYN exams, well-child visits, and immunizations.
Stage 2: Pay the deductible.
• Employee only coverage                                                              $1,500                                            $4,500
• Employee + children coverage                                                        $2,500                                            $7,500
• Employee + spouse coverage                                                          $3,000                                            $9,000
• Family coverage                                                                     $4,000                                           $12,000
A deductible is the amount of money that you pay in one year before the Plan starts paying benefits again. When you have medical expenses other than
doctor’s office visits you will pay the cost yourself until the total amount you have paid in a year equals the plan deductible.
Stage 3: Split the cost with the Plan.                                            You pay 20%                                      You pay 50%
                                                                                The Plan pays 80%                                The Plan pays 50%
After you have paid the deductible, you start splitting the bill with the Plan. The Plan will pay a portion of your medical bills, and you pay a portion.
Stage 4: The Plan pays 100% of your expenses.                                  After you have paid:                   No limit on how much you must pay if
• Employee only coverage                                                              $3,500                            you choose not use the network.
• Employee + children coverage                                                        $5,750
• Employee + spouse coverage                                                          $7,000
• Family coverage                                                                     $9,500
The Plan limits how much money you will have to pay for covered medical expenses in one year. The amount of the limit depends on whether you cover
yourself only or if you also cover family members.

If you have very high medical bills — enough so that the deductible and your portion of other medical expenses reaches that limit — then the Plan takes
over. After you meet the limit, the Plan pays 100% of your bills for the rest of the year, as long as you use doctors and facilities (like hospitals) that are in
the network.

Please keep in mind that there is no limit to how much you have to pay if you use doctors and facilities that are not in the network. The limit only applies
to money you spend on medical expenses from network doctors and facilities.

The Plan will continue to pay 100% of your medical bills from network doctors and facilities until the Plan has paid $2,000,000 total, over all of the time
you have participated in the plan.




                                                                          10 Regis Corporation
       Benefit Limits

Benefit Limits for Pre-Existing Conditions
All Medical Plan options have limits on benefits payable for pre-existing
conditions. If you were covered by another plan that provided “creditable
coverage” the time you were covered under the other plan can be used to
offset the 12 months of limited coverage under the Regis Plan.

For example, let’s assume you worked at your prior job for two years and
were covered by their group medical plan the entire time. When you left
that job and came directly to Regis, you joined the Regis Medical Plan. You
would have 24 months of “creditable coverage” to offset the 12 months of
limited benefits under the Regis Plan. Therefore, the pre-existing condition
limit would not apply to you.

Now, let’s assume that you only worked for the other company for four
months, but had group coverage during those four months. When you
came to Regis, you would have four months of “creditable coverage” to
offset the period of limited benefits under the Regis Plan. Therefore, your
12 months of reduced coverage would be reduced to eight months.

Your prior creditable coverage only counts if you did not have a break in
medical coverage of more than 63 days. If you were uncovered by medical
insurance for more than 63 days, then your prior creditable coverage will
not offset your pre-existing condition limits.

Please see your Summary Plan Description (SPD) for more information
about pre-existing condition limits. Your SPDs are available on
www.regisconnect.com.




                                                               11 Regis Corporation
       Prescription Drug Coverage
Express Scripts Prescription Drug Coverage                                   Express Scripts Members Only Programs
All five Regis medical plans provide benefits when you fill a prescription   Express Scripts offers several online programs to help
at a pharmacy that participates in our plan. The only difference is how      you make wise choices about your prescription drugs.
much you pay for each prescription. That does vary from plan to plan.            • Price a Drug: When you visit www.express-scripts.
                                                                                   com and use our “Price a Drug” feature, you’ll see
The plans offer two ways to fill prescriptions:                                    the price you pay for a specific drug and discover
    • Go to a retail pharmacy — like a pharmacy in a grocery store or a            ways to save. Just select the patient name, enter
      stand-alone pharmacy — and fill your prescriptions one at a time.            the drug name, and answer a few questions about
    • Use the mail order pharmacy for drugs you take regularly — like              medication usage. It’s that easy.
      cholesterol or allergy medication. You receive up to a three-month         • Home Delivery: You can order refills online and
      supply of your medicine through the mail.                                    also by fax, mail, or phone. Shipping is free — and
                                                                                   you save a trip to the pharmacy! You can also talk
This chart shows your cost each time you fill a prescription at either a           to an Express Scripts pharmacist any time, day
retail pharmacy or through the mail order pharmacy. Keep in mind that              or night, if you have a question about your home
when you use the mail order pharmacy you receive up to three months’               delivery prescription.
worth of your medicine for the flat cost shown here. So when you use             • Members Only Website: Express Scripts provides
mail order, it’s like getting up to a month of your medicine for free!             24-hour online access to information regarding
                                                                                   your prescription benefit. Visit the website to:
                       Copper Bronze Emerald        Sapphire Diamond                  o Learn how you could save money
                        Plan   Plan   Plan            Plan     Plan
                                                                                      o Renew expired prescriptions
At a retail pharmacy
(up to 30 day                                                                         o View or print a list the plan’s “preferred name
supply)                                                                                 brand” drugs
• generics              $16      $12         $8        $10         $10                o Locate participating retail pharmacies near
• preferred name        $45      $45        $45        $45         $30
                                                                                        you
   brand drugs
• other name            $75      $90        $90        $75         $60                o View up to 24 months of your prescription
   brand drugs                                                                          history
Using mail order                                                                      o Better understand your benefit coverage
(up to 90 day
supply)
• generics              $32      $30        $20        $25         $25
• preferred name        $90      $90        $90        $90         $60
   brand drugs
• other name            $150     $180      $180        $150        $120
   brand drugs



Flexible Spending Account Highlights
Regis provides another way to help you save money on your medical expenses: a Health Care Flexible Spending Account. A Health Care
FSA can help you:
    • Even out irregular medical expenses. Set aside your money to use on medical expenses by depositing money into your Health Care
      FSA each paycheck. No more getting surprised by a big bill one month with no idea how you’re going to pay it! Your Health Care
      FSA is there.
    • Lower the amount you pay in taxes. When you save your money in a Health Care FSA, that money is not considered part of your
      income from Regis. Therefore, you don’t have to pay income taxes on your Health Care FSA contributions.

For more information on the Health Care FSA, see page 22.


                                                               12 Regis Corporation
        To o l s f o r Y o u t o U s e
In addition to providing medical insurance, Regis contracts with Aetna       Claims and Balances
to provide you with tools and information you can use to educate                  • View an Explanation of Benefits
yourself and receive after-hours advice without a trip to the hospital.           • View HRA and Flexible Spending Account
                                                                                    balances
Aetna Navigator™
With choice and flexibility comes responsibility. To help you manage         Requests and Changes
your health care dollars and make informed decisions about your care,             • Print temporary ID cards and request a duplicate
the medical plans include tools and resources available through Aetna               ID card
Navigator, an online source for benefits information. Once registered,            • Update your email address and sign up for
you’ll have access to secure, personalized features such as benefits and            electronic delivery of Explanation of Benefits.
claims status, as well as the programs summarized below.
                                                                             Ta k e A c t i o n o n Yo u r H e a l t h
Log onto www.aetnanavigator.com today to discover a wealth of                Find Health Care
information and online tools.                                                     • Find a medical care provider
                                                                                  • Find a pharmacy
Health Programs                                                                   • Compare hospitals
24-Hour Nurse Line
Access registered nurses who are experienced in providing information        Estimate the Cost of Care
on a variety of health topics. To contact a Nurse Line Nurse, call                • Estimate costs for certain surgical procedures,
800-556-1555.                                                                       office visits, and diagnostic tests and
                                                                                    hospitalizations
Discount Programs
    •   Natural products and services program                                Staying Healthy
    •   Fitness                                                                   •   Nutrition
    •   Hearing                                                                   •   Weight management
    •   Oral health care                                                          •   Workplace health
    •   Vision                                                                    •   Preventive health care schedule
    •   Weight management

Pregnancy
    • Maternity management program
    • Pregnancy resources

Family Health
    •   Children’s health
    •   Dental health
    •   Healthy aging
    •   Women’s health
    •   Men’s health




                                                               13 Regis Corporation
       Wellness Programs
Regis Medical Plans give you lots of ways to help you get and stay            6. Create a Personal Health Record. A Personal Health
healthy. All of these programs are available to all Regis Medical Plan           Record helps you:
participants. However, if you participate in the Emerald or Sapphire          	  	      k
                                                                                     •			 eep your health information in one place.
plans, you will receive a contribution to your HealthFund if you                        It’s always available and accessible in an
participate.                                                                            emergency.
1. Take a Health Risk Assessment. A Health Risk Assessment is a               	  	      s
                                                                                     •			 hare your history with your doctor. You can
    questionnaire that you fill out. It will ask questions about your                   print a detailed health summary to take with
    health, your lifestyle, and your medical history. This information                  you to doctor’s visits so your doctor always
    is then used to create a report that you receive back. The report                   has up-to-date information.
    will give you a snapshot of what your health is like now and make         	  	      m
                                                                                     •			 aintain or improve your health. Your
    recommendations for keeping healthy in the future.                                  Personal Health record generates personalized
                                                                                        health-related alerts and reminders for you.
2. Participate in Aetna Simple Steps Online Wellness Programs. Once
   you complete the Health Risk Assessment, you will have access to all       7. Participate in the Maternity Management
   of the Simple Steps programs from relieving stress to eating healthy          Program. The Maternity Management program
   foods to quitting smoking. You can earn a contribution to your                will help you every step of the way during your
   HealthFund for each program you complete!                                     pregnancy. From reminding you about milestones
                                                                                 and appointments to tips on getting sleep and eating
3. Participate in Biometric Screening. Biometric Screening is really
                                                                                 for two, the program helps ensure that both you and
   just a fancy word for blood tests. These blood tests will check for
                                                                                 your baby get the best care. Included in the program
   many diseases and conditions such as diabetes, thyroid problems,
                                                                                 is one post partum phone call with a nurse to see
   and check levels of minerals, fluids, and electrolytes in your blood.
                                                                                 how things are going with you and your newborn.
   If you work at Corporate Headquarters, a Distribution Center, or
   the Hair Club for Men and Women, you will be able to take your             8. Have a Preventive Service Performed. Having your
   blood tests right at work at the beginning of the plan year only. See         preventive services,based on your age and gender,
   www.regisconnect.com for more details. If you work in a salon or              are important to staying healthy. By seeing your
   other site, or are eligible for coverage after March 1, 2010, you will        physician for the following services, you can earn
   receive a kit that you can take to any Quest Diagnostics lab and have         HealthFund deposit: Well Adult Exam, Well Child
   your blood tests done for free. To find a Quest lab near you, visit           Exam and Immunizations, Annual Gynecological
   www.questdiagnostics.com.                                                     Exam for Women, Flu Shot, Routine Mammogram,
                                                                                 and Routine Eye Exam.
4. Participate in the Aetna Health and Activity Tracker. Set personal
   goals and track your progress towards them using the Aetna
   Health and Activity Tracker. And earn extra contributions to
   your HealthFund at the same time. Imagine, getting paid to quit
   smoking! We need to ensure smoking cessation is included in here.

5. Enroll in Disease Management. Do you, your spouse, or your
   child have a long-term condition like diabetes, asthma, or high
   blood pressure? If so, you are eligible to participate in the Disease
   Management program which will help you learn more about
   your condition, educate you about new treatments that may be
   appropriate, and track your progress towards certain goals.




                                                                14 Regis Corporation
        Hawaii Medical
        Hawaii Employees Only



The Hawaii Medical Service Association (HMSA) plan is available to                                                           CompMed B
Regis employees living and working in Hawaii. This Plan is offered to                Service                          When you receive medical care
Hawaii residents instead of the regular Regis Medical Plans that are                                                          you pay…
offered in the rest of the U.S. and Puerto Rico.                                     Annual Deductible
                                                                                     • for one person                             $300
Below is an overview of these plans. For more detailed information,                  • for your family                            $900

please see the program’s website: www.hmsa.com.                                      Out-of-Pocket Maximum
                                                                                     • for one person                            $3,000
                                                                                     • for your family                           $9,000
                                                     CompMed B                       Doctor’s Visits
Can I go to any doctor I want?           Yes.                                        • doctor’s office                            $17*
Do I receive better benefits if I see    No. You receive the same benefits when      • in hospital                                $20
certain doctors?                         you use in-network providers.               X-rays, lab work, etc.
                                                                                     • lab work                                  None*
Will I have to pay more if my doctor     Only if you use a doctor or facility that
                                                                                     • x-rays and other testing                  20%*
charges more than the “reasonable        is outside the network. In-network
and customary” limit?                    providers agree to limit their charges to   Well-Child Care
                                         the plan’s allowed limits.                  (office visits and                        No charge
                                                                                     immunizations)
Can I go straight to a specialist if I   Yes, you can always go straight to a
choose?                                  specialist if you choose.                   Adult Preventive Care                     No charge
Can I avoid paying the deductible?       Yes. You pay only a flat copay for          Hospital Care
                                         certain prescription drugs and there is     • overnight stay                            20%*
                                         no charge for most preventive care.         • no overnight stay                         20%*
Is preventive care (well-child care,     Yes. Most charges for annual physicals      Emergency Treatment
checkups, etc.) covered? What does       (for adults) and well-child visits (for     • emergency room                            $100*
it cost?                                 children) are covered at no cost to you     • ambulance                                 20%*
                                         when you see an in-network doctor.          Prescription Drugs
Is there a limit to how much I may       Yes.                                        Retail (30-day supply)
have to pay in one year?                                                             • generic                                     $5
Are prescription drugs covered?          Only drug used to treat certain             • preferred name brand                       $20
                                         conditions.                                 • other name brand                      $20 plus 30%

                                                                                      Mail Order (90-day supply,
                                                                                      in-network pharmacy only)
                                                                                      • generic                                   $10
                                                                                      • preferred name brand                      $45
                                                                                      Mental Health Treatment
                                                                                      • in a hospital                            20%*
                                                                                      • doctor’s visits                          $20*
                                                                                      • outside a hospital                       $17*
                                                                                      Maximum benefit one
                                                                                      person can receive in a                  $5,000,000
                                                                                      lifetime
                                                                                     *Indicates deductible applies.




                                                                      15 Regis Corporation
        Dental and Vision Care
Dental                                                                          Vision Care
Many people think they don’t need Dental coverage because their teeth           The Vision Care Plan is designed to pay a significant
are fine. But if you want to keep your teeth fine, regular check-ups are a      part of the cost when you need an eye exam, glasses,
must. That’s why the Regis benefits program includes Dental coverage            or contacts. In many cases, your doctor will not charge
for you and your dependents.                                                    more than these limits, and your cost will be only the
                                                                                $10 copayment.
About Your Dental Insurance
                                                                                                   Ameritas Vision       Ameritas Vision
The Dental Plan covers the four main types of routine dental expenses:                                 Low Plan              High Plan
    • Preventive and diagnostic care (routine exams and cleanings,                                  When you use the      When you use the
      fluoride treatments, sealants, bitewing x-rays)                                              network, you pay…     network, you pay…
    • Basic treatment (full-mouth x-rays, pulling teeth, fillings and           Exams              $10 + charges over $10 + charges over
      simple oral surgery)                                                      (once every 12       the $45 benefit    the $50 benefit limit
                                                                                months)                   limit
    • Major treatment (dentures, bridges, crowns and root canals, and
                                                                                Glasses            $10 + charges over $10 + charges over
      extensive oral surgery)                                                   (frames every 24   these benefit limits these benefit limits
    • Orthodontia (braces for children up to age 19, including                  months; lenses
      installation, removal and follow-up care).                                every 12 months)
                                                                                • single                   $40                  $40
                                                                                • bifocal                  $60                  $60
The Plan pays the same level of benefits whether you use a dentist who          • trifocal                 $75                  $75
participates in our Plan or not. However, if you use a dentist who does         • no-line or               $80                  $80
                                                                                   progressive
not participate in our plan, you may have to pay more. Many doctors
                                                                                   bifocal or
who don’t participate in our plan charge more than the Plan’s charge               lenticular)
limits. If your dentist charges more, you will need to pay the amount           • frames                   $65                  $100
above these limits.
                                                                                Contacts            $10 + charges over   $10 + charges over
                                                                                (every 12 months, the $105 benefit        the $140 benefit
This chart shows how much you pay for certain dental services under             instead of glasses)        limit                limit
each option. The plan pays the rest.
              Ameritas Dental Enhanced Dental Program
                                              When you receive dental
                                                 care you pay…
Annual Deductible
• individual                                           $50
• family                                               $150
Preventive & Diagnostic Care                 No charge, no deductible
Basic Treatment                                       20%*
Restorative Treatment                                 50%*
 Orthodontia                                50%, no deductible
 • maximum benefit one person can                 $1,500
   receive in a lifetime
            Maximum benefit one person can receive in a year
                                 $1,500
*Indicates deductible applies.




                                                                 16 Regis Corporation
       Employee Assistance Program

Sometimes balancing work and family activities creates stress that’s hard    How to Use the EAP
to handle on your own. To help you through those times, you can receive      If you need assistance, you can call and speak to an
counseling and referrals through the Employee Assistance Program             EAP counselor. Counselors are available 24 hours a day,
(EAP) at no cost to you. You and your eligible family members can use        including holidays. The toll-free phone number to call is:
the program.
                                                                             1-888-AETNA-EAP
If a person does not have Regis coverage and needs the EAP, they can call    (1-888-238-6232)
the Regis Health Benefits Service Center at 1-800-492-2925 to receive
EAP information.                                                             Sometimes a telephone call is all it takes. But if you
                                                                             want or need additional counseling, you can schedule
                                                                             an appointment with an EAP counselor for face-to-
EAP: Confidentiality is Key                                                  face assessment. Regis will pay for up to six sessions per
Aetna administers the EAP. Any help you receive from the EAP is              person, per issue each year. The EAP can also provide
completely confidential. Your name, records and other confidential           referrals to other providers or community resources
information are not shared with Regis.                                       if you need additional assistance. EAP counselors are
                                                                             available for counseling 24 hours a day, seven days a
                                                                             week.
When to Use the EAP
Counseling is available through the EAP for personal issues such as:
                                                                             The EAP Online
   • family and marital conflicts
                                                                             You can also access the EAP services online at
   • parenting concerns
                                                                             www.aetnaeap.com and enter the Regis ID (REGISEAP).
   • emotional difficulties
                                                                             You can contact an EAP specialist via the EAP website, as
   • health coaching and support
                                                                             well as review a complete collection of articles, resources,
   • drug and alcohol dependency
                                                                             and interactive tools to assist you with situations
   • stress and burnout
                                                                             affecting your work and life.
   • grief over death of loved one or other losses
   • eating disorders
   • conflicts at work
   • questions about legal or financial concerns
   • questions about child or elder care




                                                              17 Regis Corporation
        Life and AD&D Insurance

To paraphrase a television ad, “life insurance isn’t for you. It’s for the     In addition, you can choose to buy additional Life and
ones you leave behind.” Life Insurance is an important part of your            AD&D Insurance for yourself and your family.
financial security, especially if others depend on you for support. And
                                                                               Optional       Option 1: 1x your annual earnings
even if you’re single, your beneficiary can use your life insurance to pay
                                                                               Life           Option 2: 2x your annual earnings
off your debts — like credit cards, car payments and mortgages — and           Insurance      Option 3: 3x your annual earnings
other final expenses.                                                          for yourself   Option 4: 4x your annual earnings

                                                                                              Choose coverage up to $500,000. You must
That’s why Regis provides Life and AD&D Insurance for you.                                    answer health questions (Evidence of Good
                                                                                              Health) if you choose coverage of more than
                                                                                              $225,000 or if you increase your coverage by
Life and AD&D Insurance (Salon Employees)
                                                                                              more than one level at a time.
You can choose to buy Life and AD&D Insurance for:
                                                                               Optional       Choose coverage in $5,000 increments
    • yourself only                                                            Life
    • yourself and your spouse                                                 Insurance      Choose coverage up to 50% of employee
                                                                               for your       Optional Life coverage. You must answer health
    • yourself and your children
                                                                               spouse         questions (Evidence of Good Health) if you
    • yourself, your spouse, and your children.                                               choose coverage of more than $50,000.
                                                                               Optional       Option 1: $1,000 per child
If you choose to insure your children, you pay the same flat premium           Life           Option 2: $5,000 per child
                                                                               Insurance      Option 3: $10,000 per child
regardless of how many children you have.
                                                                               for your
                                                                               children
                                Voluntary Life         Voluntary AD&D
                                  Insurance               Insurance
Coverage for yourself               $50,000                 $50,000
Coverage for your spouse           $10 ,000               Not available         What is AD&D Insurance?
Coverage for each child             $5,000                Not available
                                                                                AD&D — also called Accidental Death &
                                                                                Dismemberment Insurance — is similar to regular Life
                                                                                Insurance. If you die in an accident — for example, an
Life and AD&D Insurance (Corporate, Hair                                        automobile accident — the amount of your coverage
Club for Men and Women, Sassoon and                                             is paid to your beneficiary. However, AD&D Insurance
Distribution Center Employees)                                                  also pays a benefit if you are seriously injured in an
To get you started, Regis provides Basic Life and AD&D Insurance at no          accident. Part of your benefit may be paid to you if you
cost to you.                                                                    lose a limb (like your arm) or the ability to see, hear or
                                                                                talk, or become physically disabled.
                            Basic Life Insurance         Basic AD&D
                                                          Insurance
                                                                                For more information on AD&D Insurance, please see
Salon Employees                     $50,000                 $50,000
                                                                                your Summary Plan Description.




                                                                                Evidence of Good Health
                                                                                If you choose Optional Life Insurance, you may have
                                                                                to provide Evidence of Good Health. Evidence of
                                                                                Good Health is a series of health-related questions you
                                                                                answer with the help of your doctor.




                                                                18 Regis Corporation
       Disability Insurance

How do you see yourself five years from now? Or maybe ten? Chances             When Are You Disabled?
are, you don’t see yourself disabled. But a surprising number of people        You do not have to be bed-ridden to be considered
do find themselves hurt or sick and unable to work — even if only for          disabled.
a short time. But would a month seem like a short time if you had no
income?                                                                        In order to receive Short-Term Disability benefits, you
                                                                               must be unable to perform the major responsibilities
The Regis disability plans work together to help you pay your household        of your job due to the disability. In addition, you must
expenses if you become disabled and cannot work. The disability plans          have lost at least 20% of your earnings because of your
offered are:                                                                   disability.
     • Short-Term Disability
     • Long-Term Disability Insurance.                                         Under the Long-Term Disability Plan, the definition of
                                                                               disability changes over time.
Note for 2010: During 2010 Open Enrollment in January, you can                     • For the first 24 months of your disability: You are
enroll in Disability coverage without having to answer any health                     considered disabled if you are unable to perform
questions, even if you have said no to coverage in the past. Normally, if             the major responsibilities of your job due to the
you say no to coverage and then change your mind, you have to answer                  disability. In addition, you must have lost at least
health questions before you can enroll. This is a special opportunity to              20% of your earnings because of your disability.
enroll without having to answer any questions.                                     • After 24 months: You will continue to receive
                                                                                      benefits if you cannot safely and completely
Disability Insurance for Salon Employees                                              perform two activities of daily living (for example:
The Short-Term and Long-Term Disability programs are designed to                      bathing, dressing, eating) without another
work together. Therefore, they are packaged together.                                 person’s assistance or verbal reminders or if your
                                                                                      disability makes it difficult for you to think or
                         Short-Term Disability     Long-Term Disability               reason.
When benefits start        After you have been       After you have been
                           disabled for 14 days      disabled for 90 days
How much of your         60% of your regular pay   60% of your regular pay
regular pay you will                                 (up to 24 months)
receive                                            80% of your regular pay
                                                   (after 24 months if you
                                                    meet the definition of
                                                          disability)
Maximum benefit you       Up to $700 per week      Up to $3,000 per month
can receive
How long you may             Up to 11 weeks        Until you are no longer
receive benefits                                   disabled or you reach
                                                           age 65.




                                                                19 Regis Corporation
       Disability Insurance                                                        con’t



Disability Insurance for Corporate, Hair Club for Men and
Women, Sassoon and Distribution Center Employees
                           Short-Term Disability Long-Term Disability
When benefits start          After you have been     After you have been
                             disabled for 7 days     disabled for 90 days
How much of your           60% of your regular pay 60% of your regular pay
regular pay you will
receive
Maximum benefit you             Up to $1,250            Up to $10,000
can receive                      per week                  per month
How long you may               Up to 12 weeks       Until you are no longer
receive benefits                                    disabled or you reach
                                                             age 65


When Are You Disabled?
You do not have to be bed-ridden to be considered disabled. In order to
receive Short-Term Disability benefits, you must be unable to perform
the major responsibilities of your job due to the disability. In addition,
you must have lost at least 20% of your earnings because of your
disability.

Under the Long-Term Disability Plan, the definition of disability changes
over time.
    • For the first 24 months of your disability: You are considered
       disabled if you are unable to perform the major responsibilities of
       your job due to the disability. In addition, you must have lost at
       least 20% of your earnings because of your disability.
    • After 24 months: You will continue to receive benefits if you
       cannot do any job that you are reasonably able to do because of
       your education, training, or experience.




                                                                20 Regis Corporation
       Flexible Spending Accounts

Would you pass up the opportunity to save up to 22% — or more — on
something you already buy? Well, if you don’t participate in the Flexible       Filing Claims for Reimbursement
Spending Accounts — or FSAs — you’re doing just that. Through the               Aetna has been hired to process FSA claims. To receive
Regis FSA program, you can use tax-free dollars to pay for:                     reimbursement from your account, you will need:
    • most medical, dental and vision care expenses like copayments,                • a completed claim form
      deductibles, prescription drugs, and over-the-counter                         • copies of your receipts, bills, etc.
      medications.                                                                  • the Social Security Number or tax ID number
    • dependent care expenses like day care, babysitters , after-school               of your dependent care worker (Dependent
      programs or elder care programs so that you and your spouse can                 Care claims only).
      work or go to school.
                                                                              How Much to Contribute
Using tax-free dollars means that you spend less for these expenses and       The trick to using FSAs is figuring out how much to
have more money to spend on other things you want and need.                   contribute each pay period.
                                                                                  • If you contribute less than the amount of your
How FSAs Work                                                                       actual eligible expenses, you miss out on some tax
Each pay period, you make a contribution to your Health Care and/or                 savings.
Dependent Care FSA just like you would a savings account. Then, like              • If you contribute more than the amount of your
a savings account, when you need money, you take it out. Just fill out a            actual eligible expenses, you give up the extra
form and attach your receipts. Aetna — the company Regis has hired to               money. IRS rules state that, unlike a savings
act as the Plan Administrator — will reimburse you for the amount of                account, if you don’t use up the money in your
the expense. It’s that simple.                                                      account each year, you give up the leftover
                                                                                    amount. So, it’s best to guess a little low when
Actually, it can get even simpler. When you go to the doctor and your               deciding how much to contribute.
doctor files a claim, Aetna will calculate how much of the bill is paid by
you and how much is paid by the Plan. Your part of the cost will be paid
to your doctor directly from your Health Care FSA. You don’t have to
do a thing. This program is called Streamline, and it makes your FSA a
whole lot more convenient.

If you do not want to participate in Streamline, you can choose not to on
the enrollment website: https://regis.hroffice.com.

For more information on eligible expenses and how to file a claim, please
call Aetna at 1-888-488-4488 or visit www.regisconnect.com.




                                                               21 Regis Corporation
     Flexible Spending Accounts                                                                                 con’t



Other Points to Remember                                                    H o w M u c h Yo u C a n C o n t r i b u t e
  • Use it or lose it. The IRS rules state that if you have money left
                                                                            There are limits on the amount you can contribute to
    over in your Health Care or Dependent Care accounts after you
                                                                            your FSAs.
    have submitted all your claims for the year, you lose the amount
    that is left over. So be careful when calculating how much to
                                                                            Health Care FSA Limits
    contribute.
                                                                                  • A maximum of $6,000 per year
  • To go negative or not to go negative? On March 1, the entire
    amount you plan to contribute to your Health Care FSA for
    the whole year is available. So even if you have a big expense in       Dependent Care FSA Limits
    March, you can be reimbursed right away, even if it means your                • A maximum of $2,500 if you and your spouse
    account “goes negative” for a while. Dependent Care FSAs cannot                 file separate tax returns
    go negative. If your claim is for more than the balance of your               • A maximum of $5,000 if you are single or if you
    account, Aetna will hold your claim until you have the money in                 and your spouse file a joint return
    your account to cover it.
  • Re-enroll every year. You must re-enroll in each of your FSAs
    each year during Open Enrollment. Regis cannot continue your
    account contributions from one year to the next if you don’t turn
    in a new enrollment form every year.
  • Eligibility ends when you leave the company. If you leave the
    company mid-year, you may be reimbursed for eligible expenses
    up to your last day at the company. Expenses after your last day
    cannot be reimbursed unless you decide to continue participating
    through COBRA.




                                                           22 Regis Corporation
       Commuter Benefits Program
       San Francisco Employees Only



When you participate in the Commuter Benefits Program, you can use
the money in your mass transit account to purchase for:
    • parking
    • vanpooling
    • vouchers for subways, metros, buses, trains, and ferries
    • mass transit monthly passes, tokens or fare cards.


H o w M u c h C a n Yo u S a v e ?
How much can the Commuter Benefits Program save you? Use this
worksheet to find out.

Mass transit account contribution
(up to the IRS limit of $120 per               $
month)
Parking account contribution
(up to the IRS limit of $230 per  +            $
month)
Total contributions                   =        $
Approximate amount you would
pay in taxes on your expenses
                                      x        0.35
(includes federal, FICA and state
taxes)
Monthly tax savings                   =        $


Note: If you want to contribute more to your account than the IRS
limit allows, you may supplement your pre-tax contributions with
after-tax contributions. Money deposited into your account after-tax
contributions does not receive special tax treatment. However, it can be
used to purchase additional transit or parking vouchers.

For More Information or to Enroll, go to www.regisconnect.com to fill
out your enrollment form.




                                                              23 Regis Corporation
    Te r m s Yo u S h o u l d K n o w

Benefit plans use a lot of words that most of us just don’t                 In-network: A group of doctors and facilities
use every day. So here’s a handy reference to help you                      (like hospitals and pharmacies) who choose to
understand your Regis medical benefits a little bit better.                 participate in a particular medical plan. Network
                                                                            doctors and facilities agree to charge plan members
Copay: A flat fee that you pay for some in-network services, such           lower rates than non-members. For a list of
as doctor’s office visits and prescription drugs.                           In-network doctors and facilities go to www.
                                                                            aetnaregis.com/docfind.
Deductible: The portion of your medical expenses that you pay
on your own before the plan starts paying benefits.                         Major medical: A type of medical plan that is
                                                                            designed to protect you if something “major”
Evidence of Good Health: Evidence of Good Health is a series of             happens. Benefits for everyday expenses like
health-related questions you answer with the help of your doctor.           doctor’s visits and prescription drugs are usually
It is required if you want Optional Life Insurance for yourself or          low. However, major medical plans have limits in
your spouse over certain limits.                                            place to help protect you if you have especially high
                                                                            medical expenses.
Flexible Spending Account: A benefit plan that allows you to take
part of each paycheck and deposit it into a bank account. The               Name brand drug: The “first edition” of a drug.
money you deposit is not taxed by the IRS or most states. You               Other drug companies aren’t allowed to make
then use the money in the bank account to pay for your medical              generic copies of name brand drugs for several
expenses.                                                                   years after they are introduced.


Generic drug: An exact chemical copy of a name brand medicine.              Pre-existing condition: Any illness or injury for
Many generics are even the same shape and color. Generics must              which you received any treatment during the 180-
be shown to be as effective as their name brand originals.                  day period before you joined the Regis Medical
                                                                            Plan. Pregnancy is not considered a pre-existing
HealthFund: If you choose the Emerald or Sapphire medical                   condition.
plans, Regis will open a HealthFund for you. Regis will deposit
money into your HealthFund to help you pay for your medical                 Wellness/Preventive Care visits: Generally
expenses. You can also earn additional HealthFund contributions             wellness visits include annual checkups and
from Regis by participating in certain wellness programs.                   well-child checkups, as well as certain tests like
                                                                            mammograms, cancer baseline screening, cervical
                                                                            exams, and prostate exams. Our plan follows the
                                                                            Aetna and American Medical Association protocol.




                                                           24 Regis Corporation
         For More Information

If you have any questions about any of your benefits, please contact the company that handles the plan administration for Regis. Below
is a list of the companies, the plans they administer, and their phone numbers.

If you still have questions, please contact the Regis Health Benefits Service Center at (800) 492-2925.


  Plan                               Who to Call                           Phone Number                     Web Address
 Medical Plan                       Aetna Member Services                  888-488-4488                     www.aetna.com
 Medical Plan (Hawaii)              HMSA Customer Service                  800-776-4672                     www.hmsa.com
 Dental Plan – Benefits and
                                    Ameritas Customer Relations Team       800-487-5553                     www.ameritasgroup.com
 Claims Information
 Dental Plan – Network Provider
                                    Ameritas Provider Relations Team       800-755-8844                     www.ameritasgroup.com
 Information
 Vision Care                        EyeMed Customer Care Center            866-289-0614                     www.ameritasgroup.com
 EAP                                Aetna Customer Service                 888-238-6232                     www.aetnaeap.com
 Life and AD&D Insurance            Unum Customer Service                  800-421-0344                     www.unum.com
                                    Unum Customer Service – Claim
 Life and AD&D Insurance                                                   800-445-0402                     www.unum.com
                                    Reporting
                                    Unum Customer Service – Claim
 Disability Insurance                                                      888-857-0157                     www.unum.com
                                    Reporting
 Flexible Spending Accounts         Aetna Member Services                  888-488-4488                     www.aetna.com
 Commuter Benefits Program
                                    Kereon Customer Service                800-824-8343                     www.kereonhsa.com
 San Francisco Only




About This Guide
This guide describes the benefit plans and policies available to you as an employee of Regis Corporation or any of its subsidiary
companies. The details of these plans and policies are contained in the official plan and policy documents, including some insurance
contracts. This guide is meant only to cover the major points of each plan or policy. It does not contain all of the details that are
included in your summary plan description (as described by ERISA).

If there is ever a question about one of these plans and policies, or if there is a conflict between the information in this guide and the
formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.

Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the
part of Regis Corporation.



                                                                25 Regis Corporation

				
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