Benefits Handbook

The plan forms part of the Marsh & McLennan Companies Health & Welfare Benefits Program.

Marsh & McLennan Companies HMSA's Preferred Provider Plan

501

This is a group medical plan.

The plan year is January 1 - December 31.

The Plan Sponsor is:

The Plan Administrator is Marsh & McLennan Companies, Inc. Benefits Administration Committee and can be reached at:

The Plan Administrator is responsible only for determining eligibility to participate in the plan.

The group contract numbers are 96770-1 & 96770-3 (COBRA).

The plan is fully insured through HMSA. HMSA is the Claims Administrator that administers claims, except with respect to claims for eligibility to participate, and is solely responsible for providing medical benefits and claims determinations.

Contributions are made jointly by the Company and participating employees. These contributions are held in the Marsh & McLennan Companies, Inc. Employer Funded Welfare Benefit Trust by the trustee:

Premiums are payable solely from the trust.

For filing a medical or prescription drug claim:

For appealing a medical or prescription drug claim:

For COBRA coverage: