What’s New and Important
for Plan Year 2013-2014

Here’s a snapshot of the changes we’re making for Plan Year 2013-2014
(compared to Plan Year 2012-2013):

TOBACCO USER STATUS ANNUAL CERTIFICATION	If you and your family members are tobacco-free (for at least the past 6 months) actively certify non-tobacco user between February 11 and February 23 to SAVE on your medical premiums! The tobacco surcharge automatically applies for the entire Plan Year unless you certify each Plan Year.

CHANGES FOR UNITED EPO MEDICAL OPTION

The premiums for the United EPO medical option are significantly increasing again this year. To curb the increase, a $250 deductible will apply. If you're currently enrolled in the EPO option, you'll automatically default to the lower cost Core POS option to provide you more affordable coverage. The EPO option is still available, but you must actively re-enroll for it. Take the time to explore all your medical options to decide if the EPO is still the best choice.

CHANGES FOR KAISER MID-ATLANTIC MEDICAL OPTION	The Kaiser HMO Mid-Atlantic will have a new benefit design with a $250 deductible and a reduced out-of-pocket maximum of $1,500. The combination results in better overall protection for participants in that option. Be sure to review the coverage changes in comparison to the lower premium costs. (The deductible does not apply to all expenses, such as in-network preventive care services.)

CHANGES FOR GHC OF WISCONSIN MEDICAL OPTION	The premiums for the GHC of Wisconsin medical option are increasing again this year. In order to curb the impact, we're offering a new plan design with a $250 deductible for certain services. The same great network of providers is available.

A NEW MEDICAL PLAN OPTION IN GEORGIA	Kaiser Permanente HMO Georgia is our newest medical plan option for associates and their families in Georgia. It provides great coverage at a reasonable cost.

BASIC PPO DENTAL PLAN CHANGE	We're lowering the annual benefit maximum on the Basic PPO dental plan from $1,500 to $1,000. This provides a more cost-competitive dental option. We know some participants want and need only essential coverage.

LOWER SHORT-TERM DISABILITY PREMIUMS	Short-Term Disability premiums are reduced! However your individual cost may increase due to salary increases.

CHANGES DUE TO HEALTH CARE REFORM	New Summary of Benefits and Coverage (SBC) forms: You'll be able to access a high-level summary of the medical options available through Interstate Hotels & Resorts. These handy summaries are provided to help you quickly find basic information about your medical options.

DEPENDENT AUDIT

Ensure all your dependents covered under your plan are eligible. Eligibility requirements for your legal spouse, domestic partner, and children are listed on Your Benefits Resources and in your Enrollment Guide. An audit, requesting copies of marriage licenses, birth certificates and proof of common residence, will follow enrollment for all covered dependents who have not yet completed the Interstate dependent audit successfully.

OTHER PRICING CHANGES	You may see rate changes in some other plans. Due to rising cost of care, the costs of other options may be increasing slightly. The base premiums of Life Insurance and Long-Term Disability (LTD) are not changing, but you may see a price change if your salary changes. Compare your actual costs on Your Benefits Resources™ at http://resources.hewitt.com/interstatehotels beginning February 11.

You can also see our 2013-2014 changes in our What’s Changing document