COLORADO MEDICAL SOCIETY

MEMBER BENEFIT PLAN

Welcome to the new Colorado Medical Society Member Benefit Plan. The plan is comprised of 5 components:

1. 8 guaranteed-issue medical insurance plans underwritten by United Healthcare; 3 traditional PPO plans with office visit co-pays and 5 High Deductible Health Plans which are compatible with a Health Savings Account (HSA)

2. HSA's administered by United Healthcare

3. Voluntary life and long-term disability insurance program created for your staff; physicians are welcome to enroll. For example, if you could offer a package of:

Life $25,000

AD&D $75,000

LTD $1,000/month to age 65

All for only $130 per year for employees under age 40, why wouldn't you? Only three employees, or 35% of those eligible in your practice need to enroll for coverage to be effective. This program is designed to be offered at NO COST to your practice.

4. A Premium-only cafeteria plan allowing your employees to pay their medical insurance premiums on a before-tax basis. The required Plan Document to establish the Premium-Only Plan is provided by Denver Reserve Corporation.

5. Long-term care insurance – COPIC Financial secured a discount for CMS members from several of the nation's leading long-term care insurance companies.

The applications and enrollment forms necessary to enroll in the medical, life and disability insurance plans and the cafeteria plan can be downloaded directly from this web site. The medical insurance enrollment forms need to be submitted to COPIC Financial before the 15^th of the month prior to your desired effective date.

Questions may be directed to any of the following members of COPIC Financial's employee benefits consulting staff:

Andrea Levine (720) 858-6287 alevine@copic.com

Rick Ellis (720) 858-6292 rellis@copic.com

Applications can be sent to: COPIC Financial

7351 Lowry Blvd.

Denver, CO 80230

Thank you for your interest in the CMS Member Benefit Plan.