• Preferred Provider Organization covers both in-network and out of network services
• Domestic Partner Coverage offered (Affidavit is required)
• Primary care physicians (PCP) referrals not required
• $20 co-pay in-network office visits
• $50 co-pay for emergency room visits (waived if admitted)
• $150 co-pay for ambulatory day surgery
• $250 co-pay for in-patient care (per admission)
• Out of network, deductible applies, 80% coverage
• Deductible for individual $250, family $500
• Discounts at various fitness facilities
• Vision coverage included through VSP:
  • $20 co-pay for routine vision exam every 12 mos.
  • 20% savings on eyeglasses, 15% on contact lenses including disposables every 12 mos.
• Prescription coverage included:
  • $10 co-pay for generic drugs
  • $25 co-pay for preferred brand-name
  • $45 for non-preferred
  • 90 day mail order option available at 60 day co-pay rate
  • Must use network Pharmacies
• Member assistance program (MAP)
  • Telephone assistance program

• Preventative Treatment: 100 % coverage
• Basic Treatment: 80 % coverage
• Major Treatment: 50 % coverage
• Orthodontia coverage: $1500 lifetime max. per person
• Coverage for dentists not part of the Delta network is based on the maximum allowable amount
• Unused maximum rollover benefit up to $2750 maximum within calendar year

Deductible applies for Basic and Major Treatment:
$50 individual or $150 family

• Supplemental vision coverage offered in addition to what is provided by medical insurance
• Coverage includes one eye exam every 12 months
• You may elect to receive $120 off Prescription Glasses or Contact Lenses
  Prescription Glasses

  • Lenses every 12 months
  • Frames every 24 months
  • Additional 20% off out-of-pocket expenses
  Contact Lenses

  • Every 12 months
• Discounts also available for corrective laser eye surgery, prescription glasses and sunglasses.

• Health insurance premiums are deducted pre-tax from employee's paycheck

• Employee can set aside up to $2,000 per calendar year of pre-tax dollars to pay for expenses which may not be covered under your health plan i.e. deductibles and coinsurance, amounts in excess of plan maximums or usual & customary, hearing aids, some over the counter remedies, etc.

• Employee can set aside up to $5,000 per calendar year of pre-tax dollars to pay for daycare for children under 13

• Coverage = 2 x annual salary
• Maximum = $600,000

• Coverage for spouse = $10,000
• Coverage for each dependent from birth up to 6 months = $1,000

• Voluntary program where an employee can elect additional life insurance coverage from $10,000 - $500,000 in $10,000 increments for self
• Guaranteed issuance of $150,000 for employees
• Additional spousal insurance can be purchased up to a maximum of $100,000 with a guaranteed issuance up to $25,000
• Employee may also elect additional coverage in various increments for dependents age 14 days to 19 (24 if full-time student)

• Coverage = 2 x annual salary
• Maximum = $600,000

• Changes to plan can be made in March, June, September and December
• Employee 100% vested after 3 years from date of hire
• Oscient will match $.50 for every $1 contributed up to 6% of employee eligible compensation

• STD compensation coverage begins after an employee has been disabled for more than 5 consecutive days
• Coverage may extend to 12 weeks
• Coverage levels:
  • < 5 years at 70% of base salary
  • > 5 years at 80% of base salary
• Unused accrued vacation or sick time may be used to supplement % limits
• Monthly maximum = $15,000
• Vacation/sick accruals stop while receiving disability benefits

• Coverage at 66^2/3% of salary
• Monthly maximum = $15,000

• 12 holidays per calendar year

• Bi-weekly accrual based on years of service
  • < 5 years: 3 weeks
  • > 5 <10 years: 4 weeks
  • 10+ years: 5 weeks
• Vacation Carry Over Limits Into Following Year
  • Employees with less than 5 years of service - One week maximum vacation time may carry over into the following year
  • Employees with 5 or more years of service but less than 10 years - Two weeks maximum vacation time may carry over into the following year
  • Employees with 10 or more years of service - Three weeks maximum vacation time may carry over into the following year
• Pro-rated for employees working <40 hours/week

• Accrual of 8 days per calendar year on a bi-weekly basis
• One week maximum carry over per calendar year
• Pro-rated for employees working < 40 hours/week

• An employee will be granted up to 3 days PTO for a death in the immediate family (Immediate family is considered as spouse, child, sibling, parent, grandparent, grandchild, parent-in-law, sibling-in-law or grandparent-in-law)
• An employee will be granted up to 1 day PTO for a death in the extended family or of someone of similar importance with supervisor approval

• In an emergency, employees who have a serious illness in their immediate family may be granted up to 3 days absence
• This benefit may also be used for paternity leave

• Remuneration for jury duty will comply with appropriate state guidelines

• New hire and annual employee equity grants

• Per Prescribed IC Plan
• Field employees
• Home Office
  • Waltham
  • New Jersey

• Gifts menu commensurate with length of service beginning at 3 years of service

• Reimbursed for college level courses that are career related
• 4 courses per year approved up to reimbursement limits
• Reimbursed 100% for grade C or better for tuition, registration, laboratory fees and books
• $3,500/year reimbursable for undergraduate courses
• $5,000/year reimbursable for graduate courses

• Reimbursement for expenses related to the completion of legal adoption, up to $3,500
• Paid maternity leave is allowed up to 6 weeks

• Employees receive a cash reward for referrals that result in the hiring of an Oscient employee (paid upon completion of 30 days employment)

• Menu of several recognition options including gift certificates, paid days off and other types of recognition

• Travel assistance services provided to employees and their families traveling 100 miles or more from home for either business or pleasure
• 800-527-02418 (U.S., Canada, Puerto Rico, U.S. Virgin Islands and Bermuda)
• 410-433-6330 (All other worldwide locations)

• An external, confidential service that provides counseling services for employees and their families who are dealing with personal or professional issues
• This service may be accessed via telephone, via internet or employees can make appointments to see local service providers near their hometown
• HorizonCare™ Employee Assistance Program is provided by the Standard Insurance Company and designed to help you manage the demands of work and personal life.
• HorizonCare™ can provide you with information on the following:
  • Legal & Financial Issues
  • Older Adults & Parenting Resources
  • Personal & Work Related Problems
  • Emotional Well-Being
• HorizonCare™ can also assist with everyday issues such as:
  • Finding Childcare
  • Pre-Retirement Planning
  • Family & Parenting

• Based upon supervisor approval, an employee may set a work schedule starting between 7:00am - 9:30am and ending between 3:30pm - 6:00pm. Once schedule is established, it should be kept consistently
• Regular business hours are 8:30am - 5:00pm

• On-site health club facility

• Breakfast, hot/cold lunches and snacks available

• Employee's may have payroll check directly deposited into checking and/or savings accounts
• On-line pay statements available

• Routine employee information sessions
• Company intranet site

• Company may cover partial or all expenses related to INS process contingent upon employee acceptance of three (3) year employment commitment.
• Financial assistance is in the form of a "forgivable" loan

• Tax deferred savings plan through payroll deductions to pay for expenses at an accredited higher learning institution
• Sponsored through Fidelity Investments