INTRODUCTION We welcome you as a member of the EMI Health family and look forward to serving your insurance needs! Southern Utah University’s health and dental benefits and EMI Health’s administrative procedures are described in this handbook. Receipt of this handbook does not guarantee coverage under all Plans. You are only covered by those Plans in which you enrolled. You are urged to read your handbook carefully, share its contents with the members of your family, and keep it for future reference. If you have any questions or need further information, contact your employer or the EMI Health Customer Service Department. Notwithstanding anything else in the Plans to the contrary, the items listed in the “Plan Exclusion” sections are not covered by the Plans. Regardless of benefits specified, the Plans will reimburse or pay any claim only if the services rendered are determined to be medically necessary. Determination of Medical Necessity is made by EMI Health using its own set of criteria, or by an independent contractor appointed by EMI Health. This is your plan. Anything you can do to contain costs will help provide additional benefits in the future. We recommend doing the following to assist in the reduction and control of costs:  Question the need for medical services and physician visits.  Reduce the length of hospital confinements where possible.  Be sure all charges are for services actually provided.  Ask about the price; charges should be competitive. If you need more information on any of the Southern Utah University health and dental benefits, or on EMI Health’s procedures, please call a Customer Service Representative between 8:00 a.m. and 5:00 p.m., Monday through Friday (MT): (801) 262-7475 in Salt Lake City or (800) 662-5851 elsewhere in the Continental U.S.A. Plan Administrator These EMI Health plans are administered by Educators Mutual Insurance Association of Utah. SOUTHERN UTAH UNIVERSITY.BOOK.2014 TABLE OF CONTENTS TABLE OF CONTENTS ................................................................................................................. i SUMMARY OF BENEFITS – OPTION 1 .................................................................................... 1 SUMMARY OF BENEFITS – OPTION 2 .................................................................................... 3 GENERAL PLAN INFORMATION ............................................................................................. 5 ELIGIBILITY AND PARTICIPATION ........................................................................................ 5 Eligibility .................................................................................................................................... 5 Changes in Covered Person Information .................................................................................... 5 Enrollment................................................................................................................................... 5 When Coverage Begins .............................................................................................................. 5 Special Enrollment ...................................................................................................................... 6 Termination of Coverage ............................................................................................................ 7 Family Medical Leave Act (FMLA) ........................................................................................... 8 Military Leave ............................................................................................................................. 8 Qualified Medical Child Support Orders .................................................................................... 9 Benefits for Employees Working Beyond Age 65 ..................................................................... 9 CARE PLUS MEDICAL PLAN BENEFITS ............................................................................... 10 Using the Care Plus Benefits .................................................................................................... 10 When Non-participating Provider Option Benefits Apply ....................................................... 11 Coinsurance Maximum ............................................................................................................. 11 Benefit Accumulations.............................................................................................................. 12 Care Plus Preauthorization Requirements ................................................................................ 12 Preauthorization Review Process .............................................................................................. 13 Second Opinion ......................................................................................................................... 13 Inform EMI Health of Changes ................................................................................................ 14 COVERED MEDICAL BENEFITS ............................................................................................. 15 Hospital/Facility Benefits ......................................................................................................... 15 Emergency Room (ER) Service Benefit ................................................................................... 15 Inpatient Rehabilitation Therapy Benefit.................................................................................. 16 Accident and Life-threatening Condition Benefits ................................................................... 16 Physician and Professional Services ......................................................................................... 16 Preventive Care Services .......................................................................................................... 18 Transplant Benefits ................................................................................................................... 19 Medical Supplies and Equipment ............................................................................................. 19 Clinical Trials............................................................................................................................ 20 Employee Assistance Program (EAP) ...................................................................................... 20 Mental Health and Drug/Alcohol Treatment ............................................................................ 21 Additional Benefits ................................................................................................................... 21 Women’s Cancer Rights ........................................................................................................... 22 Cost Reform Information .......................................................................................................... 22 MEDICAL PLAN EXCLUSIONS ............................................................................................... 25 EMI HEALTH DENTAL PLAN .................................................................................................. 34 SELF-FUNDED BOOK Southern Utah University • 2014-2015 • i Summary of Benefits ................................................................................................................ 34 Diagnostic/Preventive Benefits ................................................................................................. 35 Space Maintainers ..................................................................................................................... 35 Sealants ..................................................................................................................................... 35 Basic Services ........................................................................................................................... 35 Major Services .......................................................................................................................... 35 Endodontic Services.................................................................................................................. 35 Periodontic Services.................................................................................................................. 35 Prosthodontic Services .............................................................................................................. 35 Oral Surgery Services ............................................................................................................... 36 Anesthesia Services .................................................................................................................. 36 Orthodontic Services ................................................................................................................. 36 Predetermination of Benefits .................................................................................................... 36 Alternate Treatment .................................................................................................................. 36 PREMIER DENTAL PLAN EXCLUSIONS ............................................................................... 37 CONTINUATION OF COVERAGE ........................................................................................... 40 COBRA Continuation of Coverage Requirements ................................................................... 40 Waiver of Premium ................................................................................................................... 41 COORDINATION OF BENEFITS WITH OTHER GROUP PLANS ........................................ 44 CLAIMS PROCEDURE ............................................................................................................... 47 How to File a Claim .................................................................................................................. 47 Requests for Additional Information ........................................................................................ 47 Claims Audits............................................................................................................................ 47 Non U.S. Providers ................................................................................................................... 48 Exhaustion of Administrative Remedies .................................................................................. 48 Claims Review Process ............................................................................................................. 48 Independent Review.................................................................................................................. 49 Arbitration ................................................................................................................................. 51 Subrogation and Reimbursement .............................................................................................. 52 DEFINITION OF TERMS ........................................................................................................... 54 NOTICE OF PRIVACY PRACTICES ......................................................................................... 64 NOTICE ........................................................................................................................................ 71 PRESCRIPTION DRUG PROGRAM ......................................................................................... 72 Benefit Advocates ..................................................................................................................... 72 Summary Plan Description ....................................................................................................... 72 Coverage Tiers .......................................................................................................................... 72 Generic Medications ................................................................................................................. 72 Covered Formulary Brand Medications .................................................................................... 73 Covered Non-Formulary Brand Medications ........................................................................... 73 Specialty Medications ............................................................................................................... 73 Formulary Drug List Development and Changes ..................................................................... 73 Drugs With Special Requirements ............................................................................................ 73 Filling a Prescription ................................................................................................................. 74 Generic Dispensing Required ................................................................................................... 74 SELF-FUNDED BOOK Southern Utah University • 2014-2015 • ii VRx Participating Pharmacy Network...................................................................................... 75 VRx Secure Website ................................................................................................................. 75 Coordination of Benefits ........................................................................................................... 76 Preventive Medications ............................................................................................................. 76 Exclusions ................................................................................................................................. 76 Appeals Procedures ................................................................................................................... 77 Second Level Appeal ................................................................................................................ 77 Voluntary External Appeal – IRO ............................................................................................ 78 Additional Information on Prescription Benefits ...................................................................... 78 SELF-FUNDED BOOK Southern Utah University • 2014-2015 • iii Administered by Educators Health Plans Life, Accident, and Health EMI Health Customer Service 801-270-2880 or 1-800-662-5851 Self Funded Employee Medical Benefit Plan All services are subject to the EMI Health Table of Allowances. When using a Non-participating Provider, the Covered Person is responsible for all fees in excess of the Table of Allowances. Southern Utah University #144 Care Plus 351 W. University Blvd. , Cedar City, Utah 84720 435-586-7754 July 01, 2014 - June 30, 2015 Participating Non-Participating Option 1 - $1,000 Ded Provider Option Provider Option GENERAL INFORMATION YOU PAY Preexisting Condition Window Period None Preexisting Condition Waiting Period None Benefit Accumulator Contract Year Dependent Age Limit 26 Coinsurance Maximum (Per Person/Family Per Year). Services designated * do $3,000 / $6,000 $6,000 / $12,000 not accumulate toward the applicable Coinsurance Maximum. Medical Deductible (Per Person/Family Per Year - Separate from and not satisfied $1,000 / $2,000 $2,000 / $4,000 by the Prescription Drug Deductible). Please note ♦ Non-Preauthorization Patient Penalty Not Applicable 50% Reduction in Benefits Non-Preauthorization Provider Sanction 50% Reduction in Payment Not Applicable PRESCRIPTION DRUG BENEFITS (If brand is purchased when generic is YOU PAY available, member pays the copay plus the difference between the generic and the brand price) - administered by VRx Prescription Drug Deductible (Per Person/Family Per Year - Separate from and $50 / $150 not satisfied by the Medical Deductible). Please note ●. Participating Pharmacy (30 day supply) ●Generic - $10 ●Preferred - 30% ($250 Max) ●Non-Preferred - 50% ($350 Max) Non-Participating Pharmacy Not Covered Mail Order (90 day supply) ●Generic - $20 ●Preferred - 30% ($250 Max) ●Non-Preferred - 50% ($350 Max) Specialty Drug ● Tier 1 - 15% ($200 Max) ● Tier 2 - 25% ($275 Max) ● Tier 3 - 40% ($400 Max) ● Tier 4 - Excluded Prescriptions PREVENTIVE SERVICES YOU PAY Routine Physical Exam (1 visit per Year) Covered 100% ♦40% Routine Gynecological Exam (1 visit per Year) Covered 100% ♦40% Family History Exam (1 visit per Year) Covered 100% ♦40% Routine Pap Smear & Mammogram (1 per Year) Covered 100% ♦40% Routine Well-Baby Exams Covered 100% ♦40% Covered Immunizations Covered 100% ♦40% Routine Vision Exam (1 visit per Year) Covered 100% ♦40% Routine Hearing Exam (1 visit per Year) Covered 100% ♦40% PHYSICIAN & PROFESSIONAL SERVICES YOU PAY Physician Office Visits (primary care) $40 ♦40% Physician Office Visits (secondary care) $50 ♦40% Physician Office Visits (after hours) $50 ♦40% Physician Visits (Inpatient) ♦20% ♦40% Physician Visits (Outpatient) ♦20% ♦40% Major Diagnostic Test, CT Scan, MRI, NMR (office) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (office) 20% ♦40% Minor Diagnostic Test, X-ray, Lab (Inpatient) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (Outpatient) ♦20% ♦40% Radiology/Pathology (office) 20% ♦40% Radiology/Pathology (Inpatient) ♦20% ♦40% Radiology/Pathology (Outpatient) ♦20% ♦40% Injections (office) 20% ♦40% Surgery (office) 20% ♦40% Surgery (Inpatient) ♦20% ♦40% Surgery (Outpatient) ♦20% ♦40% Anesthesiology (office) 20% ♦40% Anesthesiology (Inpatient) ♦20% ♦40% Anesthesiology (Outpatient) ♦20% ♦40% Routine Prenatal & Delivery (Dependent maternity included) ♦20% ♦40% Home Health Care (in lieu of Hospital) (for supplies, see Medical Supplies and ♦20% ♦40% Equipment) Southern Utah University #144 Care Plus 351 W. University Blvd. , Cedar City, Utah 84720 435-586-7754 July 01, 2014 - June 30, 2015 Participating Non-Participating Option 1 - $1,000 Ded Provider Option Provider Option Rehabilitation Therapy (Outpatient physical, speech, occupational, cardiac, or $50 ♦40% pulmonary - 30 visits per Year) Chiropractic Therapy (10 visits per Year) $50 ♦40% Allergy Testing 20% ♦40% Allergy Treatment/Serum 20% ♦40% HOSPITAL/FACILITY BENEFITS YOU PAY (Physician & Professional Services are not included in this section.) Medical/Surgical/Maternity/Intensive Care (semi-private room) ♦20% ♦40% Medical/Surgical/Maternity/Intensive Care (Inpatient Ancillary) ♦20% ♦40% Skilled Nursing Facility (60 days per Year) (Admission must be within 5 days of ♦20% ♦40% discharge from Hospital Confinement) Medical/Surgical Care (Outpatient) ♦20% ♦40% Emergency Room (ER) $300 $300 Major Diagnostic Test, CT Scan, MRI, NMR (Outpatient) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (Inpatient) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (Outpatient) ♦20% ♦40% Newborn 20% 40% InstaCare/Urgent Care Clinic $50 ♦40% Eligible Preventive Services Covered 100% Not Covered REHABILITATION THERAPY BENEFIT YOU PAY Inpatient – physical, speech, occupational, cardiac, or pulmonary (30 days per ♦20% ♦40% person per Year) ACCIDENT AND LIFE THREATENING CONDITION YOU PAY Supplemental Accident/Life-Threatening Illness Benefit Covered 100% for first $1000 per Year then regular benefits apply Medical/Surgical – Physician/Facility/ER Covered as any other condition Ambulance Land/Air (Accident & Life-threatening) ♦20% Covered as a Participating Benefit Orthodontic Injury Treatment ♦*50% subject to the Table of Allowance Dental Injury Treatment ♦20% TRANSPLANT BENEFIT YOU PAY Heart, Liver, Pancreas, Bone Marrow, Cornea, Lung, Kidney Covered as any other condition Not Covered MEDICAL SUPPLIES & EQUIPMENT YOU PAY Diabetic Testing Supplies (90 day supply) 30% ♦40% Medical Supplies ♦20% ♦40% Medical Supplies (office) Covered 100% ♦40% Durable Medical Equipment ♦20% ♦40% Orthotic Supplies ♦20% ♦40% Growth Hormone ♦20% ♦40% MENTAL HEALTH & DRUG/ALCOHOL TREATMENT YOU PAY Inpatient Facility Semi-private Room ♦20% ♦40% Inpatient Facility Ancillary ♦20% ♦40% Inpatient Facility Physician Visits ♦20% ♦40% Physician Office Visits $50 ♦40% Psychologist / LCSW / APRN / Psychiatrist ADDITIONAL BENEFITS YOU PAY Adoption Indemnity Benefit The Plan pays a maximum of $4,000 towards adoption expenses. TMJ Syndrome diagnosis & non-surgical treatment ♦*50% Not Covered Orthognathic/Mandibular Osteotomy ♦*50% Not Covered Total Parenteral Nutrition (TPN) ♦*50% Not Covered Primary Infertility ♦*50% Not Covered Reduction Mammoplasty ♦*50% Not Covered PLEASE NOTE: This is a summary only and does not guarantee benefits. All benefits are subject to the terms, limitations, and exclusions set forth in the Plan document and in the Summary Plan Description (SPD)/handbook of the Plan. Any discrepancies between this summary, the SPD/handbook, and the Plan document are resolved in favor of the Plan document. For more information, including Preauthorization, refer to the SPD/ handbook or the Plan document, or contact EMI Health Customer Service Department. Services designated ● are subject to first dollar Prescription Drug Deductible. Services designated ♦ are subject to first dollar Medical Deductible Services designated * do not accumulate toward the applicable Coinsurance Maximum. Administered by Educators Health Plans Life, Accident, and Health EMI Health Customer Service 801-270-2880 or 1-800-662-5851 Self Funded Employee Medical Benefit Plan All services are subject to the EMI Health Table of Allowances. When using a Non-participating Provider, the Covered Person is responsible for all fees in excess of the Table of Allowances. Southern Utah University #144 Care Plus 351 W. University Blvd. , Cedar City, Utah 84720 435-586-7754 July 01, 2014 - June 30, 2015 Participating Non-Participating Option 2 - $1,500 Ded Provider Option Provider Option GENERAL INFORMATION YOU PAY Preexisting Condition Window Period None Preexisting Condition Waiting Period None Benefit Accumulator Contract Year Dependent Age Limit 26 Coinsurance Maximum (Per Single/Family Per Year) $3,000 / $6,000 $6,000 / $12,000 Medical Deductible (Per Single/Family Per Year). Please note ♦ $1,500 / $3,000 $3,000 / $6,000 Non-Preauthorization Patient Penalty Not Applicable 50% Reduction in Benefits Non-Preauthorization Provider Sanction 50% Reduction in Payment Not Applicable PRESCRIPTION DRUG BENEFITS (If brand is purchased when generic is YOU PAY available, member pays the copay plus the difference between the generic and the brand price) - administered by VRx Participating Pharmacy (30 day supply) ♦Generic - $10 ♦Preferred - 30% ($250 Max) ♦Non-Preferred - 50% ($350 Max) Non-Participating Pharmacy Not Covered Mail Order (90 day supply) ♦Generic - $20 ♦Preferred - 30% ($250 Max) ♦Non-Preferred - 50% ($350 Max) Specialty Drug ♦ Tier 1 - 15% ($200 Max) ♦ Tier 2 - 25% ($275 Max) ♦ Tier 3 - 40% ($400 Max) ♦ Tier 4 - Excluded Prescriptions PREVENTIVE SERVICES YOU PAY Routine Physical Exam (1 visit per Year) Covered 100% ♦40% Routine Gynecological Exam (1 visit per Year) Covered 100% ♦40% Family History Exam (1 visit per Year) Covered 100% ♦40% Routine Pap Smear & Mammogram (1 per Year) Covered 100% ♦40% Routine Well-Baby Exams Covered 100% ♦40% Covered Immunizations Covered 100% ♦40% Routine Vision Exam (1 visit per Year) Covered 100% ♦40% Routine Hearing Exam (1 visit per Year) Covered 100% ♦40% PHYSICIAN & PROFESSIONAL SERVICES YOU PAY Physician Office Visits (primary care) ♦$40 ♦40% Physician Office Visits (secondary care) ♦$50 ♦40% Physician Office Visits (after hours) ♦$50 ♦40% Physician Visits (Inpatient) ♦20% ♦40% Physician Visits (Outpatient) ♦20% ♦40% Major Diagnostic Test, CT Scan, MRI, NMR (office) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (office) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (Inpatient) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (Outpatient) ♦20% ♦40% Radiology/Pathology (office) ♦20% ♦40% Radiology/Pathology (Inpatient) ♦20% ♦40% Radiology/Pathology (Outpatient) ♦20% ♦40% Injections (office) ♦20% ♦40% Surgery (office) ♦20% ♦40% Surgery (Inpatient) ♦20% ♦40% Surgery (Outpatient) ♦20% ♦40% Anesthesiology (office) ♦20% ♦40% Anesthesiology (Inpatient) ♦20% ♦40% Anesthesiology (Outpatient) ♦20% ♦40% Routine Prenatal & Delivery (Dependent maternity included) ♦20% ♦40% Home Health Care (in lieu of Hospital) (for supplies, see Medical Supplies and ♦20% ♦40% Equipment) Southern Utah University #144 Care Plus 351 W. University Blvd. , Cedar City, Utah 84720 435-586-7754 July 01, 2014 - June 30, 2015 Participating Non-Participating Option 2 - $1,500 Ded Provider Option Provider Option Rehabilitation Therapy (Outpatient physical, speech, occupational, cardiac, or ♦$50 ♦40% pulmonary - 30 visits per Year) Chiropractic Therapy (10 visits per Year) ♦$50 ♦40% Allergy Testing ♦20% ♦40% Allergy Treatment/Serum ♦20% ♦40% HOSPITAL/FACILITY BENEFITS YOU PAY (Physician & Professional Services are not included in this section.) Medical/Surgical/Maternity/Intensive Care (semi-private room) ♦20% ♦40% Medical/Surgical/Maternity/Intensive Care (Inpatient Ancillary) ♦20% ♦40% Skilled Nursing Facility (60 days per Year) (Admission must be within 5 days of ♦20% ♦40% discharge from Hospital Confinement) Medical/Surgical Care (Outpatient) ♦20% ♦40% Emergency Room (ER) ♦20% ♦20% Major Diagnostic Test, CT Scan, MRI, NMR (Outpatient) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (Inpatient) ♦20% ♦40% Minor Diagnostic Test, X-ray, Lab (Outpatient) ♦20% ♦40% Newborn ♦20% ♦40% InstaCare/Urgent Care Clinic ♦20% ♦40% Eligible Preventive Services Covered 100% Not Covered REHABILITATION THERAPY BENEFIT YOU PAY Inpatient – physical, speech, occupational, cardiac, or pulmonary (30 days per ♦20% ♦40% person per Year) ACCIDENT AND LIFE THREATENING CONDITION YOU PAY Medical/Surgical – Physician/Facility/ER Covered as any other condition Ambulance Land/Air (Accident & Life-threatening) ♦20% Covered as a Participating Benefit Orthodontic Injury Treatment ♦20% subject to the Table of Allowance Dental Injury Treatment ♦20% TRANSPLANT BENEFIT YOU PAY Heart, Liver, Pancreas, Bone Marrow, Cornea, Lung, Kidney Covered as any other condition Not Covered MEDICAL SUPPLIES & EQUIPMENT YOU PAY Diabetic Testing Supplies (90 day supply) ♦30% ♦40% Medical Supplies ♦20% ♦40% Medical Supplies (office) ♦20% ♦40% Durable Medical Equipment ♦20% ♦40% Orthotic Supplies ♦20% ♦40% Growth Hormone ♦20% ♦40% MENTAL HEALTH & DRUG/ALCOHOL TREATMENT YOU PAY Inpatient Facility Semi-private Room ♦20% ♦40% Inpatient Facility Ancillary ♦20% ♦40% Inpatient Facility Physician Visits ♦20% ♦40% Physician Office Visits ♦$50 ♦40% Psychologist / LCSW / APRN / Psychiatrist ADDITIONAL BENEFITS YOU PAY Adoption Indemnity Benefit The Plan pays a maximum of $4,000 towards adoption expenses. TMJ Syndrome diagnosis & non-surgical treatment ♦20% Not Covered Orthognathic/Mandibular Osteotomy ♦20% Not Covered Total Parenteral Nutrition (TPN) ♦20% Not Covered Primary Infertility ♦20% Not Covered Reduction Mammoplasty ♦20% Not Covered PLEASE NOTE: This is a summary only and does not guarantee benefits. All benefits are subject to the terms, limitations, and exclusions set forth in the Plan document and in the Summary Plan Description (SPD)/handbook of the Plan. Any discrepancies between this summary, the SPD/handbook, and the Plan document are resolved in favor of the Plan document. For more information, including Preauthorization, refer to the SPD/ handbook or the Plan document, or contact EMI Health Customer Service Department. Services designated ♦ are subject to first dollar Medical Deductible Services designated * do not accumulate toward the applicable Coinsurance Maximum. GENERAL PLAN INFORMATION SOUTHERN UTAH UNIVERSITY has adopted this Plan for the benefit of its eligible Employees and their eligible Dependents. This document provides a summary of the benefits provided under the Plan as of July 1, 2014, and is also the formal plan document for the Plan. Please note that capitalized terms used in this document are defined either the first time they are used or in the “Definitions of Terms” section at the end of this document. TYPE OF PLAN All benefits under the Plan are self-insured by the Plan Sponsor. Benefits under the Plan are funded by contributions by the Plan Sponsor and/or Participants. The Plan Sponsor has purchased a stop loss insurance policy from Educators Mutual Insurance Association of Utah which will provide coverage to the Plan Sponsor in the event individual and aggregate claims exceed a certain level, but Educators Mutual Insurance Association of Utah does not insure any benefits under the Plan. TYPE OF ADMINISTRATION The Plan Sponsor is the Plan Administrator. The Plan Sponsor has entered into an agreement with Educators Mutual Insurance Association of Utah (“EMI Health”), as a third-party administrator, to assist the Plan Sponsor in the Plan’s claims administration and certain other administrative matters. PLAN NAME THE SOUTHERN UTAH UNIVERSITY SELF-FUNDED EMPLOYEE MEDICAL BENEFIT PLAN (CARE PLUS) GROUP NUMBER: 144 EFFECTIVE DATE OF PLAN AS AMENDED AND RESTATED: July 1, 2014 PLAN YEAR ENDS: June 30, 2015 EMPLOYER/PLAN SPONSOR INFORMATION Southern Utah University Director of Human Resources 351 W. University Blvd. Cedar City, Utah 84720 Telephone: (435) 586-7754 Fax: (435) 586-7948 PLAN ADMINISTRATOR Southern Utah University Director of Human Resources 351 W. University Blvd. Cedar City, Utah 84720 Telephone: (435) 586-7754 Fax: (435) 586-7948 SELF-FUNDED BOOK Southern Utah University • 2014-2015 • 5 NAMED FIDUCIARY Southern Utah University Director of Human Resources 351 W. University Blvd. Cedar City, Utah 84720 Telephone: (435) 586-7754 Fax: (435) 586-7948 AGENT FOR SERVICE OF LEGAL PROCESS Southern Utah University Director of Human Resources 351 W. University Blvd. Cedar City, Utah 84720 Telephone: (435) 586-7754 Fax: (435) 586-7948 CLAIMS ADMINISTRATOR EMI Health 852 East Arrowhead Lane Murray, Utah 84107-5298 Telephone: (801) 262-7476 Fax: (801) 269-9734 Website: www.emihealth.com AMENDMENT OR TERMINATION The Plan Sponsor reserves the right to modify, suspend, or terminate the Plan at any time. The Plan Sponsor does not promise the continuation of any benefits nor does it promise any specific level of benefits at or during retirement. The Table of Allowances may be updated as deemed necessary by the Plan Sponsor and EMI Health. After the effective date of a change in the Table of Allowances, all benefits will be paid according to the new Table of Allowances. Benefit changes to this Plan will apply to all Covered Persons on the date amended benefits become effective. The terms of this Plan may not be amended by oral statements made by the Plan Sponsor, the Plan Administrator, the Claims Administrator, or any other person. In the event an oral statement conflicts with the written terms of this Plan, the Plan terms will control. NOT A CONTRACT This Plan Document and any amendments constitute the terms and provisions of coverage under this Plan. The Plan Document shall not be deemed to constitute a contract of any type between the Employer and any Participant or to be consideration for, or an inducement or condition of the employment of any Employee. Nothing in this Plan Document shall be deemed to give any Employee the right to be retained in the service of the Employer or to interfere with the right of the Employer to discharge any Employee at any time, provided, however, that the foregoing shall SELF-FUNDED BOOK Southern Utah University • 2014-2015 • 6