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Holiday Packages at Glen Helen Resort
Choose from the following packages to get the best value out of your Central Australian experience. Also enquire about camping discounts for multiple night stays.
Sunset Canape Package
Phone: 08 8956 7489
This package is for a minimum of 2 nights stay.
Relax with a selection of wine and canapes on arrival overlooking the stunning Glen Helen Gorge, motel accommodation and daily light breakfast.
Summer Escape
Phone: 08 8956 7489
Minimum 3 night stay. Package expires on 31/3/15
Ready for a complete break?? Isn't everyone?? We have a great solution for a relaxing getaway! Escape for a minimum 3 nights with continental breakfast included daily. Bonus offer: Receive a bottle of house wine free with your meal in the Namatjira Gallery Restaurant for one night.


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Tied to Father's Day, J.C. Penney released an advertisement depicting "real-life dads Todd Koch and Cooper Smith with their children, Claire and Mason," and the accompanying copy reads, "First Pals: What makes Dad so cool? He's the swim coach, tent maker, best friend, bike fixer and hug giver — all rolled into one. Or two." Earlier this month, the retailer featured a lesbian couple in its Mother's Day catalogue, to the chagrin of One Million Moms, who issued an online complaint. But, according to YouGov BrandIndex, J.C. Penney's "consumer perception" numbers were even better afterward, showing that the image (and One Million Moms' campaign) didn't negatively impact customers' attitudes. Lesson learned: When One Million Moms says no, you can always ask two dads to be in your photo shoot.
Alexander McQueen
See it »

subset: commoncrawl


text:
L'Occitane Immortelle Divine Cream
36 reviews
72% would repurchase
Package Quality: 3.6
Price: $$$$
Package Quality: 3.6
Price: $$$$
INGREDIENTSAqua/Water, C12-15 Alkyl Benzoate, Caprylic/Capric Triglyceride, Glycerin, Oenothera Biennis (Evening Primrose) Oil, Axcorbyl Glucoside, Corn Starch Modified, Dimethicone, Cetearyl Alcohol, Peg-100 Stearate, Cameline Sativa Seed Oil, Hydoxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer, Cetyl Alcohol, Cetearyl Glucoside, Glyceryl Stearate, Cetyl Palmitate, Stearic Acid-Palmitic Acid, Parfum/Fragrance, Sodium Citrate, Helianthus Annuus (Sunflower) Seed Oil, Rosmarins Officinalis (Rosemary) Leaf Extract, Butylene Glycol, Carum Petroselinum (Parsley) Extract, Sucrose Palmitate, Ethylhexylglycerein, Tocopheryl Acetate, Benzoic Acid, Echium Plantagineum Seed Oil, Retinyl Palmitate, Glyceryl Linoleate, Phenoxyethanol, Polysorbate 60, Sorbitan Isostearate,Dehydroacetic Acid, Magnesium Aspartate, Zinc Gluconate, Hydrolyzed Viola Tricolor Extract, Polyaminopropyl Biguanide, Copper Gluconate, Linalool, Limonene, Benzyl Salicylate, Geraniol, Citral.
on 3/7/2015 12:25:00 PM
Age: 36-43
Skin: Combination, Fair-Medium, Warm
Hair: Blond, Other, Other
Eyes: Blue
No I would not replace.
It's fine, it's just too pricey and not impressing me enough to bother again.
Maybe two lippies is a bit low, let's say 2.5
If I was the Duchess and loaded, fine, I'd put in on my elbows and cuticles, okay?
My darling splurged on us at duty free last summer in Edinburgh.
Ironic, as I had carefully packed precisely what I needed so as to have minimal toiletries, and right off the bat he gets us skin sets of the priciest shit in duty free. HA!
The whole set I have used;
Here are my reviews:
The Lotion, which is more of a toner: MEH. Waste of time, just another step!
The serum: MEH. In fact, broke me out. And others, too I see.
The divine cream: BEAUTIFUL. BUT: Expensive as all hell and not sanitary package.
Not even that pretty! Yellow plastic. Um. Okay.
Smells nice, bit greasy finish even if I apply lightly so I can only use as a night cream over my other night treatments. I use it up on my neck now, and whatever, I won't buy again.
Doesn't break me out but that ain't good enough; hasn't done much for me after six months of use. The eye cream is alright but I think it irritates my eyes a bit.
I use the Precious (blue jar) eye cream and like it better.
(same lovely man bought that for me, too.)
on 3/5/2015 9:39:00 PM
Age: 36-43
Skin: Combination, Fair, Cool
Hair: Blond, Wavy, Medium
Eyes: Blue
This is an exceptional moisturizer. It sinks into my skin easily, and it smells wonderful. The smell is a sort of fresh-light floral, much like the matching facial wash. When I have this moisturizer on it feels like my skin is protected by a soft blanket from all of the hazards of the world. This is a fairly intensive moisturizer, and is meant primarily for nighttime use. I would find it too heavy for the morning. A little bit goes a long way- it's pricey, but the jar will last for quite some time. This is wonderful moisturizer- expensive, but really does live up to the hype.
on 2/24/2015 12:16:00 PM
Age: 44-55
Skin: Normal, Fair-Medium, Not Sure
Hair: Blond, Wavy, Fine
Eyes: Green
Received MANY samples (multiples of each), and sadly used this cream last. I wish I would have used it first. It's velvety smooth, leaves no residue. I was turned off only by the scent. I do not have sensitive skin, so I have no problems there. My skin feels like silk. I love this and will be purchasing the full sized for my birthday gift to myself in May.
on 12/21/2014 10:42:00 AM
Age: 56 & Over
Skin: Sensitive, Fair, Cool
Hair: Blond, Wavy, Fine
Eyes: Blue
My face is on fire! So not for those with sensitive skin and rosacea. And I must be missing something because this, to me, is a silicone-based, over-fragranced creme.
on 11/1/2014 9:23:00 PM
Age: 44-55
Skin: Combination, Fair-Medium, Cool
Hair: Blond, Wavy, Fine
Eyes: Blue
I first received several samples of the L'Occitane Divine Cream at the Newark International Airport boutique while looking for a cologne. I decided to use the cream and the sample of eye cream when I found out that I forgot to pack my regular moisturizer. The salesperson had given me at least 8 samples of each, so I was able to determine that this was a high quality cream that delivered results! It is thick and rich, yet goes on like liquid silk. Also, there is a high skin cell turnover rate, i.e. you will get flaking while using the Divine Cream, but what is happening is that the layer of dead skin cells is melting off, leaving you with baby soft, new skin. I've found discolorations have literally disappeared, wrinkles have diminished significantly, my skin is firmer and just glows. I ended up purchasing the entire Divine series after several weeks of seeing the amazing results from this cream, and with each week that passes (and I remain consistent with my skin care regime), I see more improvement. The scent is absolutely heavenly! I have never been a fan of any scent in a skin care product, but this cream is made from natural ingredients, and while getting the best results I believe I have gotten to date, I also receive some aromatherapy. :) So the conclusion is that my skin now feels like velvet, has increased elasticity, pores have almost disappeared, skin is firmer, discolorations diminished, plumper skin and a high rate of skin cell turnover. I am a customer for life.
on 9/7/2014 4:30:00 PM
Age: 30-35
Skin: Combination, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Hazel
Best cream for my combo skin. Smooth finish, doesn't feel oily nor greasy. I feel like this controls my PH on my face. My skin is way nicer since I'm using this cream. The smell is refreshing. I love the fact that I can use this morning and night. I'm on my second pot, and I love it!
on 6/7/2014 6:46:00 PM
Age: 36-43
Skin: Oily, Medium, Not Sure
Hair: Blond, Other, Other
Eyes: Blue
I cringed at the price tag but I was lured in with a free sample. I have oily skin and this adds moisture without shine. I also have seen an impressive improvement in my skin - clarity and tone. I have to say worth every penny.
on 4/23/2014 9:58:00 PM
Age: 30-35
Skin: Combination, Other, Not Sure
Hair: Black, Other, Other
Eyes: Brown
It was heavy feeling, but not oily. It moisturized, but for the price tag, I expected WOW.
on 4/18/2014 8:13:00 PM
Age: 44-55
Skin: Normal, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Hazel
Within 2 weeks a brown pigmentation mark on my face started to fade and 2 months later it has all but disappeared...very impressed. Has also reduced fine lines and skin tone is more even and luminous. Love the smell and also a little goes a long way. Good value for money...it works and is a great investment.
on 4/17/2014 10:28:00 PM
Age: 44-55
Skin: Oily, Medium, Not Sure
Hair: Red, Other, Other
Eyes: Green
This was an indulgence for me but I am very glad I purchased this! I use at night after cleansing and my skin has never looked better :-) I use Aqua-Glycolic Toner in the AM on a cotton pad--a must for me) and my La Roche Posay moisturizer followed by a very light makeup applied sparingly with a brush. I love my Divine Cream and it will last a very long time as a tiny amount covers the face at night. I LOVE the smell!!! An expensive product but so worth it for me as this is the only expensive skincare product I own and it delivers! Will most definitely buy again :-)
**I researched many creams before deciding on purchasing this and was impressed not only by the cream's unique ingredients and many patents but by the number of women who loved it and felt it made a difference in their skin> and now I love it too**
Popular Moisturizers


text:
483-487 Prospect Road
Commute to Downtown Rome
Almost all errands require a car.
Score Details
483-487 Prospect Road has a Walk Score of 22 out of 100. This location is a Car-Dependent neighborhood so almost all errands require a car.
The closest school is Eastside Elementary School.
The closest grocery stores are Tip Top Poultry Inc, Cagle's Farms Inc and IGA.
The closest coffee shop is The Rock Cafe & Ice Cream Shop. Nearby restaurants include Linda's Place, Sidekicks and Johnny's New York Style Pizza.
Explore how far you can travel by car, bus, bike and foot from 483-487 Prospect Road.


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text:
Is Vomiting A Sign Of Acute HIV Infection
Here's a taste of what TheBody.com has to offer on this topic:
Get the Facts
Acute HIV Infection...Treating Acute HIV Infection The Bottom Line What Is Acute HIV Infection? The amount of HIV in the blood gets very high within a few days or weeks after HIV infection. Some people get a flu-like illness. This first stage of HIV disease is called "acute HIV infection" or "primary HIV infection." About half of the people who get infected don't notice anything. Symptoms generally occur within 2 to 4 weeks. The most common symptoms are...
Ask the Experts
HIV infection by licking pussy , sucking nipples ?Hi , I need a urgent help.History/Background : I had sex with a sex-worker 8 days back.I used condom for the intercourse.But in foreplay i licked the pussy and sucked her nipples.Issue/Reason for Worry: From next day morning I had watery...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...immediately afterwards i realised what a rediculous thing i had done and became increasingly paranoid about the possibility of HIV infection, on the 3rd of Jan i started on 28 PEP course, what do you think my chances of having HIV are, alot of... Read more »
resubmitted form the Fatigue and Anemia Forum: Discordant couple - Risk of HCV transmission (Hepatitis C Virus Infections Among HIV-Infected Men Who Have Sex With Men: An Expanding Epidemic, 2010 )I have been HIV+ about 5 years now and take Atripla as treatment. My CD4 is 650, viral load below detection. Very recently I have also been found HCV positive. My boyfriend is HIV and HCV negative. We are very much into fisting. He is top only and...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...studies have found increasing rates of hepatitis C in MSM (men who have sex with men). See below. Associated risk factors include HIV infection, intravenous drug use, fisting and use of GHB (gamma hydroxyl butyrate). Hepatitis C is transmitted... Read more »
HIV symptomsHi Doc,Thanks for answering my previous question regarding HIV infection due to sex with a Russian hooker in Bangkok. I also wanted to know what are the symptoms of HIV if it is contracted at all. Its been more than 72 hours since the incident took...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...many times before. I'll repost below just one of the questions that addresses the signs and symptoms associated with primary HIV infection.Stay well. Be informed, not worried, O.K.?Dr. BobMe again! Aug 14, 2005Hi DOc,You responded to my initial... Read more »
Mom offers $50!! (CARING FOR AN HIV/AIDS PATIENT AT HOME)First I'd like to say your website is Godsend!Second, my daughter bought a few outfits at the mall, she pulled one of the pants out and noticed there was some redish stain. If it was blood from an HIV infected person, would this pose a risk? She...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...your mom a big hug from me, OK? Dr. Bob What You Need to Know About HIV and AIDS If you are going to be caring for someone with HIV infection, you need to understand the basic facts about HIV and AIDS. AIDS (acquired immunodeficiency syndrome) is... Read more »
Guidelines for Prevention and Treatment of Opportunistic Infections in HIV-Infected Adults and Adolescents...OIs continue to cause considerable morbidity and mortality for three primary reasons: 1) many patients are unaware of their HIV infection and seek medical care when an OI becomes the initial indicator of their disease; 2) certain patients are... Read more »
Treating Opportunistic Infections Among HIV-Infected Adults and Adolescents...Carcelain G, Li TS, et al. Positive effects of combined antiretroviral therapy on CD4+ T cell homeostasis and function in advanced HIV disease. Science 1997;277:112-6. 9. Connick E, Lederman MM, Kotsin BL et al. Immune reconstitution in the first... Read more »
Updated Interim Recommendations -- HIV-Infected Adults and Adolescents: Considerations for Clinicians Regarding 2009 H1N1 Influenza...confirmed influenza A virus infection. Detailed recommendations on influenza diagnostic tests are available online . Persons with HIV infection should remain vigilant for the signs and symptoms of influenza, as outlined above. Persons with HIV... Read more »
Hepatitis: Overview...G viruses, or HAV, HBV, and so on. Over 90% of cases of hepatitis are caused by hepatitis A, B, or C. Viral hepatitis can be acute or chronic. Acute means the first few weeks to months after you get hepatitis. You may feel sick for a couple of... Read more »
Connect With Others
Possible HIV transmission/infection ???
Posted by Anonymous, 4 Replies... 2. In relation to Q1, are sore throats and feeling feverish coupled with runny nose and tiredness a sign of Acute Primary HIV infection. I'm having these illness since 10 ~ 15 May 99, which is about 3 weeks after the "EXPOSURE"? 3. Can a... Read more »
Posted by Anonymous, 1 Reply...T-cell counts of 1,000 or more.) In addition, the definition includes 26 clinical conditions that affect people with advanced HIV disease. Most of these conditions are opportunistic infections that generally do not affect healthy people. In... Read more »
Posted by Anonymous...AFP Browse by Topic MEDLINE: Citation Related Articles More in AFP: Anti-HIV Agents (27) HIV Infections (87) More by: Perlmutter BL AFP MEDLINE Glaser JB AFP MEDLINE Oyugi... Read more »
Acute HIV Infection - Help!!
Posted by Anonymous, 7 RepliesI got fever 4 weeks after a sex worker gave me unprotected oral sex. The fever was 99F with headache, weakness, night sweats, funny sensations in my body, tingling in my hands and feet. This fever has lasted 6 weeks and aint going. In the 2nd and... Read more »
Resource Centers
Guides for People With HIV


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VIRG FOSS: How loyalty works between coach and athlete
I ran into Todd Hoffner around a year ago at a Grand Forks establishment where we were both at the same blackjack table.
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Shaded, dead lawn with clay-like soil
Hi all. I'm looking for some basic diagnostics on what is going on with my lawn. It is mostly under complete shade under a row of trees and has very hard, clay-like soil throughout. It's very compacted and it forms pretty deep puddles when it rains.
It was mowed weekly by the gardener for years even when though there was almost no grass on it. It has looked like this for several years now.
My gardener planted grass seeds and used a cultivator tool on it a few weeks ago. Some baby grass is growing but it's fairly sparse. Is there anything more I can do to help my lawn from here? Obviously we'll stop mowing it.
These photos are from soil that was rained on heavily yesterday.
Deep puddles indicate a very serious drainage issue. The grass will never be right until you get that fixed. You likely will need to cut a swale into the yard leading to a gutter for drainage. Or if that treed area is the lowest spot around, then forget about turf grass and reconsider growing swamp grass. Or you could bring in more soil to fill the low spot. The problem with that is you risk smothering the tree roots and bark eventually killing the trees.
That soil looks sandy in your hand.
Put in some drainage to take care of the standing water first. Consider using some shade tolerant shrubs and abandon the idea of grass. Put down some mulch, pine straw or bark, or other like material and start calling it a planting bed. There are also shade-tolerant ground covers to consider.


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Lithops- Seeds
Is it worth growing seeds, or shall I buy the plants?
How often should I water them on a week of 80+ temperature?
I can only say that I have read that they are not too difficult to grow from seeds. As for watering, that's really tricky, but the adult plants need very little water most of the time. I would not even water them once a week. To sprout the seeds, you'd have to get specific info from the supplier, but most likely it would tell you to keep the soil slightly moist, definitely not soggy. You might try putting them on a ball of damp cotton and sealing it in a plastic bag or container
I really do not recommend a novice try growing them from seed, especially if you are in a climate that is at all humid. I do live in a humid climate and have a great deal of trouble growing any of the mesembs from seed except Faucaria. You may want to ask this question in the forum Cacti and Succulents.


text: Great Fall Weather Posted 11:51 AM, September 26, 2013, by Hank Allen, Updated at 06:07pm, September 26, 2013 FacebookTwitterGooglePinterestLinkedInEmail × Great Fall Weather Warm but dry with highs around 90 today. Very dry air in place. Lows tonight in the mid 60s north to low 70s metro. -Thursday weather forecast with Hank Allen


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Alexandra Siebenthal
Hi! I'm Alex. I go to the University of Missouri. I am studying Parks Recreation and Tourism. I love, love, love to travel. Frequently, everywhere. I like outdoorsy things, activities and places. I take pictures of everything, especially outdoorsy places. I like environmentally conscious people who like to recycle. I really like National Parks. Maybe one day they will hire me to do some serious tourism sustaining and environmental educating. I like hiking, sustainable things/places/ activities, playing scrabble, different cultures, the ocean, and green bananas. I don't like landfills, people who drive Hummers, the swirling mass of garbage in the Pacific Ocean (that is twice the size of Texas, ahem) and being boring. I also like to write about how human lifestyles destroy the earth but also, sometimes keep it beautiful and alive! I want to promote that! I believe in taking care of Mother Earth, simply living and living simply, taking pictures, and eating ice cream for breakfast.
|"...I'm sorry, but if my child were in a class with these two, I would pull him out...."
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"... You're not getting anywhere faster by hurrying; in this crowded world, someone is always going to be in your way...."
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text:
Promo video I directed, shot, and edited for Sobe Swag Labs in South Florida, with help from Alex Escarpanter.
Original video description below...
A :30 second tour inside SoBe Swag Labs, a state of the art facility and recording studio located at
6115 Sterling Road, Davie FL
and down the street from the famous Hard Rock Hotel.
For more information, please visit sobeswaglabs.com
Director/Editor Chris McD (@thechrismcd)
Camera/Lighting Chris McD (@thechrismcd)
Alex Escarpanter (@cineman1981)
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the Item was described as new but there were indications that it was not.. The outer box was shrink wrapped but the actual DVD case was not, which is unusual for a new Disney DVD. Read morePublished 1 month ago by Julie Mitchell
A memorably beautiful story with excellent musical episodes. Likable characterizations especially for animal lovers.Feel so good during seeing it and similarly remembering it. Read morePublished 4 months ago by William Griffiths
My two year old grandson and I watched this together and he was enthralled through the whole movie. He absolutely loved it!!Published 4 months ago by Dale Carere
this video is in Korean and not what I expected. It was returned for refund and other dvd's purchasedPublished 8 months ago by Des Hanna


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Organics Beaded Wave Metal Square Tray by Lenox
Perfect for casual or formal gatherings, the attention-grabbing Organics Beaded Wave Metal Square Tray has a fluid, modern shape in polished aluminum, accented with a bead motif. Makes a great gift.
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There's only one tribute to the memory of Walter Conkrite that means anything and that would be if TV "journalists" somehow learned from his example and did their goddamn jobs!
Progressive Media Advocates
Carole Bartolotto: The problem with concluding that GMOs are safe is that the argument for their safety rests solely on animal studies. These studies are offered as evidence that the debate over GMOs is over. Nothing could be further from the truth.
Lauren Steiner: To our surprise, the regulators didn't try to shut us down. Security didn't storm the room. None of the workshop attendees booed us. So we continued the same chant for three minutes.
Joe Mathews: Thanks to Xi Jinping, Chinese millionaires have propped up the state's sagging real estate market, universities, and companies.


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health care 2004 Health Care Resource Guide For GM Salaried Retirees and Surviving Spouses Enroll for Health Care 2004 October 27 – November 7, 2003 About This Guide What's Inside This Health Care Resource Guide contains 3 Your Health… You're in the Driver's Seat details you can use as a reference to help in your decision making. It concentrates on important items to consider about health care and your 5 Adding Quality to Your Health Care Decisions options. Further information about the GM Salaried 8 Information About Medicare Health Care Program is available in the booklet titled Your Benefits in Retirement (2000). You can 9 Medical Options access Your Benefits in Retirement online at http://retiree.gm.com. You also can request a 13 Extended Care Coverage (ECC) printed copy by calling the National Benefit 15 Dental Options Center at 1-800-828-9236 (1-800-872-8682 TTY). 17 Vision Options If you choose not to make any changes, your elections currently in effect will 19 How to Verify Dependent Information continue for the 2004 plan year with the applicable 2004 monthly contributions, if available and you remain eligible. 24 Ayco Financial Planning GM is committed… To improving the quality of health care and the Enrollment Period quality of life for GM retirees and their families. October 27 – November 7, We work year-round to maintain quality health 2003 care options in the face of increasing costs. Your Access www.retiree.enroll.gm.com medical options and coverages continue to be or call 1-800-462-5184 during the among the best in the nation. enrollment period if you want to: ■ Change your coverage elections ■ Verify your dependents 2 3 Your Health...You're in the Driver's Seat During the annual enrollment you have an Your Health Care Resources opportunity to re-evaluate your health care options and decide whether any changes may The online enrollment web site improve the care that you receive. Ask yourself (www.retiree.enroll.gm.com) includes: if you are making the best choices for you and ■ Details about what's new your family, and consider how these choices may affect your out-of-pocket costs and the ■ Direct access to health plan comparisons and way in which you want to receive care. quality information GM is constantly striving to improve the quality ■ Your personalized health care options and and delivery of health care while developing 2004 monthly contribution amounts tools to help you — the consumer — make informed decisions. Take the time to carefully ■ An online enrollment application to verify your review your enrollment materials and refer dependents and make changes to your elections to the other resources that GM provides. ■ Additional information to help you through the The more you understand in terms of quality, enrollment process cost and coverage, the better your ability to make well-informed health care decisions You can use the Internet to gather GM-specific and enroll in the options that will best meet information that can help you make informed health the needs of you and your family. care decisions. The http://retiree.gm.com web site provides retirees and surviving spouses with easy In addition to determining which plan is right access to useful information and links to other for you, also consider how you can become a better health care consumer throughout resources. the year. LifeSteps — LifeSteps can help you assess how healthy and fit you are, as well as learn about personal health and safety issues. The confidential LifeSteps Health Risk Appraisal (HRA) helps you evaluate your health status and develop plans to maintain and improve it. If you would like to fill out an HRA, visit www.lifesteps.com. Quality Information — You can use the quality information (provided in the health plan summaries through www.retiree.enroll.gm.com and in Your Personal Enrollment Information) to compare the quality of your health care choices. Each HMO plan is evaluated in five categories — Access and Service, Doctor Communication and Service, Staying Healthy, Getting Better/Living with Illness and Accreditation. Four Steps to Safer Health Care Generic Drugs — Safe, Effective, FDA-Approved Did you know that up to 98,000 Americans die in hospitals each year as a result of preventable When considering a product, most consumers medical errors? Here are four simple things you can weigh cost with quality to determine the best do to help reduce the risk of medical errors in your value for their money. Many health care consumers health care: choose pricier, well-known brand-name drugs over the less expensive generic equivalent — assuming ■ Choosing your doctor is the first step in that higher cost equals higher quality. But, this is improving your safety in health care. One of not the case when it comes to prescription drugs. the best ways to evaluate doctors who Generic drugs cost 25 to 80 percent less than participate with your plan is to be sure they are brand-name drugs, but offer an equally effective board certified. That means the doctor has treatment. The Food and Drug Administration completed a prescribed period of residency in a (FDA) regulates generic drugs, putting them specialty, passed oral and written exams and through many rigorous tests to make sure handled a minimum number of cases. Board they are interchangeable with their brand-name certification is no guarantee of quality, but counterparts. For a generic drug to be determined doctors who pass their boards meet standards equally effective by the FDA, it must: above those required for a medical license. To find out if a doctor is board certified, ■ Have the same active ingredients, dosage form visit www.abms.org, call 1-866-275-2267 or (e.g., tablet or capsule) and strength as the look it up in the Directory of Medical Specialists brand-name drug (usually available at local libraries). ■ Act on the body in the same way and to the Hospital affiliations. The ideal doctor is same degree as the brand-name drug probably affiliated with a well-equipped hospital, either as a staff member or as an ■ Be approved as safe and effective attending physician. Without this arrangement, ■ Follow the same strict manufacturing guidelines you will have to see another doctor to be as the brand-name drug admitted into the hospital. You can gather information about professional qualifications ■ Have the same patient information inserts as and practice arrangements by asking the doctor's the brand-name drug office staff or by checking the Directory of Medical Specialists. ■ If you need surgery, consider an Prescription Drug Reminder experienced hospital where the procedure For the Basic Medical Plan (BMP), you need is performed frequently. Don't Enhanced Medical Plan (EMP), Preferred forget to predetermine service with your health Provider Organizations (PPOs) and plan, if required. Activecare — if there is a generic ■ Speak up if you have questions or equivalent available for a covered, brand- concerns. You have every right to ask questions name medication, the Program pays at the about your condition and treatment options. generic level. This means that if you If you are not sure, ask for a second opinion. receive the brand-name medication, you ■ When your doctor writes a prescription, are responsible for the generic copayment make sure you can read it. If you cannot read plus the difference in cost between the 4 your doctor's handwriting, your pharmacist might generic and the brand-name drug. not be able to read it either. 5 Adding Quality to Here's what the stars tell you: ★★★★★ Plan performance is considerably Your Health Care better than average ★★★★ Decisions Plan performance is better than average Choosing a health plan is an important decision. ★★★ Plan performance is average You have to think about the services you and ★★ Plan performance is worse than your family need, the costs you can afford and average how easy it will be to obtain care when you ★ Plan performance is considerably need it. You also need to think about the quality worse than average of the care you will receive. It is important to compare quality because some health plans, Look for HMOs with the most stars in the doctors and hospitals do a better job than categories that are most important to you and your others. GM is offering you access to some of family. the best health care organizations in the nation — but even among these organizations, A Close-up Look at What's differences in quality exist. That is why GM Measured has joined forces with other auto companies Access and Service and selected health care purchasers to create More stars mean that more individuals: better ways to measure the quality of health ■ Receive care quickly plans — and report the results to you. ■ Receive helpful, informative customer service ■ Have their complaints handled well by the health The quality report card in Your Personal plan Enrollment Information and on the enrollment web site compares HMOs offered by GM. In ■ Give their health plan high ratings some markets, the report card also includes Doctor Communication and Service limited quality information for PPOs, the Basic More stars mean that more individuals: Medical Plan and the Enhanced Medical Plan. ■ Have doctors who listen and communicate well Benchmark HMO ■ Receive courteous, helpful service from the doctor's staff This measure is specific to GM. "YES" means ■ Give high ratings to their personal doctor, that the HMO meets the highest quality, service and cost standards GM has set for the HMOs specialists and overall care offered. High quality health care does not always Staying Healthy mean higher cost. If you select a benchmark More stars mean that more individuals receive HMO, your monthly contributions will be the appropriate: lowest required for any HMO offered. ■ Screenings for breast cancer and cervical cancer ■ Childhood and adolescent immunizations What's In the Stars? ■ Prenatal care and check-ups after childbirth In each quality category, an average health plan earns three stars. Plans earn more stars if they ■ Well-child visits and adolescent well-care visits are better than the average plan in the report card and fewer stars if they are worse. Getting Better/Living with Illness Where the Information Comes From More stars mean that more individuals receive: Information for the report card comes from survey ■ Appropriate treatment after a heart attack responses of individuals enrolled in HMOs, visits to ■ Timely follow-up after being in the hospital for HMOs and data on the care provided. The information mental illness is audited, scored and reported by independent organizations — not by the health plans or GM. ■ Exams when they have diabetes Accreditation Each HMO plan is eligible to receive one of the following accreditation outcomes from the National Important Notes Committee for Quality Assurance (NCQA): ■ GM does not endorse or ■ Excellent — Achieves the highest range of recommend any particular HMO. national or regional performance Some options (BMP, EMP and PPOs) ■ Commendable — Meets or exceeds all have not been rated in some requirements categories because there is not an ■ Accredited — Meets most requirements existing process for gathering ■ Provisional — Meets some, but not all necessary data. requirements ■ The measurements referred to are ■ Not Accredited — Did not apply, failed to based on existing data and may receive or is currently under review for not necessarily represent the quality accreditation of care you will receive in the future, Note: PPOs are accredited by the American nor do the measurements represent Accreditation Health Care Commission/URAC and the quality of care you will receive for are only eligible to receive an outcome of any particular service from any "Accredited" or "Not Accredited." The other three particular HMO. accreditation outcomes do not apply. ■ Remember — the choice of a medical plan is a personal one. You are solely responsible for your selection. If you have any questions about a particular HMO, you should contact that HMO directly. ■ HMOs and PPOs may not be available in all geographic locations due to issues such as cost, quality and access. 6 7 Quick Checks for Quality When choosing a treatment, make sure you understand: Look for a plan that: ■ What your diagnosis is ■ Has been rated highly by its members on the things that are important to you ■ Whether treatment is needed at this time ■ Does a good job of helping people stay ■ What your treatment options are well and get better ■ Whether the treatment options are based ■ Is accredited, if that is important to you on the latest scientific evidence ■ Has the doctors and hospitals you want or need ■ The benefits and risks of each treatment ■ Provides the benefits you need ■ The cost of each treatment ■ Provides services where and when you Look for a hospital that: need them ■ Is covered by your health plan ■ Meets your budget ■ Is accredited by the Joint Commission on Look for a doctor who: Accreditation of Healthcare Organizations ■ Participates with your health plan ■ Is rated highly by State or consumer or other groups ■ Is rated to give quality care ■ Is one where your doctor has privileges, ■ Has the training and background that if that is important to you meet your needs ■ Has experience with your medical condition ■ Takes steps to prevent illness — for example, talks to you about quitting smoking ■ Has had success with your medical condition ■ Has privileges at the hospital of your choice ■ Checks and works to improve its own quality of care ■ Encourages you to ask questions ■ Listens to you Look for long-term care that: ■ Explains things clearly ■ Has been found by State agencies, accreditors ■ Treats you with respect or others to provide quality care ■ Has the services you need ■ Has staff that meet your needs ■ Meets your budget Quality health care means that health — U.S. Department of Health and Human Services organizations, doctors and other professionals are striving to do the right things at the right time in the right amount for the right people. It also Quality vs. Cost $ means that the treatment they provide In comparing HMOs, higher HMO costs do helps ensure the best possible results. not necessarily mean higher quality. In fact, With quality care, people feel better, those HMOs with the best performance on function better and enjoy a better the selected quality measures AND greatest quality of life. cost effectiveness generally have the lowest monthly contributions. Information About Did You Know? GM currently pays a significant portion Medicare of your health care costs while you are receiving benefits through Medicare. ■ Refer to the Medicare & You handbook that For example, GM pays: the government provides to all 39 million Medicare beneficiaries. ■ Covered prescription expenses less your GM copayment and other cost sharing ■ Call toll-free 1-800-MEDICARE to speak with an operator or listen to pre-recorded answers ■ Covered vision and dental expenses less your to frequently asked questions. TTY service is GM copayment available for the hearing impaired at ■ Your Medicare Part B premium (reimbursed in 1-877-486-2048. your monthly retirement check, subject to ■ Visit the Medicare web site at Program eligibility) www.medicare.gov. ■ The difference, subject to cost sharing, between what Medicare pays and what your GM medical Additional Resources option covers; for example — the Medicare Part ■ Visit the Access America for Seniors A deductible for hospitalization web site at www.seniors.gov for access to government services and information designed for senior citizens. The web site is sponsored by 10 government agencies, including the Federal Important! agency that runs Medicare. If you elect a GM-offered Medicare HMO for ■ Call toll-free 1-800-677-1116 to reach the the first time, you must complete and return Eldercare Locator, a public service of the the government application form included Administration on Aging, U.S. Department of with your confirmation statement. If you fail Health and Human Services. The service links you to return this form, you will be placed in with the information and referral networks of the Enhanced Medical Plan. state and local area agencies on aging. 8 9 Medical Options A Comment About OPTIONS Contributions ■ Basic Medical Plan (BMP) Whether or not you change your health care elections, the monthly contributions ■ Enhanced Medical Plan (EMP) for any and all coverages may change from year to year. General Motors shares year- Where available: to-year increases in the cost of health care ■ Preferred Provider Organizations (PPOs) coverage with you. Annual cost increases (Not available to retirees, surviving spouses are based on business conditions and could and dependents enrolled in Medicare) vary from year-to-year. ■ Health Maintenance Organizations (HMOs) You authorize and direct GM to deduct the ■ Activecare required contributions for health care coverage from your monthly retirement ■ Waive medical coverage benefits when you: ■ Enroll and confirm elections over the CONTRIBUTIONS telephone system or via the online enrollment web site, or See the enrollment web site (www.retiree.enroll.gm.com) or Your ■ Complete and sign the authorization form Personal Enrollment Information for the 2004 when you retire monthly contributions for each medical option. These contributions vary by the family Your authorization applies for as long as status category that you elect for 2004. They you have health care coverage — even do not include the cost of covering any though the required contribution amount Sponsored Dependents for medical may change. However, you may revoke your coverage. The 2004 contributions for authorization to deduct contributions from Sponsored Dependent medical coverage your retirement benefits at any time. will be available in late December by contacting the National Benefit Center at To revoke your authorization, write to www.gmnbc.com or 1-800-828-9236. the Plan Administrator at the National Benefit Center, P.O. Box 14692, Lexington, Monthly contributions for HMOs reflect the KY 40512-4692. If you do this, you must individual plan's performance on selected quality arrange for timely payment of monthly measures and financial performance. Those contributions or your action may result in HMOs with the best performance on the your elected coverage changing to options selected quality indicators and greatest that do not require monthly contributions. cost-effectiveness have the lowest contributions. ELECTION RULES If you waive medical to be covered as a The family status you elect for medical will also dependent under any non-GM plan, you do not apply to Extended Care Coverage, dental and have GM health care coverage. (See page 13 for vision if you elect them. effect of waiver on ECC.) Defining Your Medical Options HMOs — are health care plans that coordinate your care. An HMO provides care through a network of doctors, hospitals, health care centers, laboratories, pharmacies and other health care providers. Because of their focus on keeping you healthy, HMOs offer a variety of preventive care, wellness and disease management programs. To help coordinate your care, you choose a doctor from the HMO's network. This doctor is usually a family practitioner, internist or pediatrician. If you enroll in an HMO, you must use network providers for all of your covered health care — except in an emergency. Traditional/Indemnity Plans — BMP and EMP — are health care plans that let you get care from any doctor or facility for appropriate covered expenses. You pay a percentage of the cost of all of the services that you receive after satisfying your annual deductible (up to your annual out-of-pocket maximum). With a Traditional plan, you decide which doctors to see and you coordinate your overall care. You must call Health International at 1-877-299-4635 for a predetermination of specified health care services. PPOs — are health care plans that blend aspects of an HMO and a Traditional/Indemnity plan. Your care is provided through a network of doctors and facilities — but you can go outside this network if you wish. You pay a percentage of the cost for all services you receive after satisfying your annual deductible. If you use a network provider, you pay less for your care as your copay percent is lower and the provider charges are generally lower. You must call Health International at 1-877-299-4635 for a predetermination of specified health care services. Activecare — unique health care plans that put an emphasis on personal attention and high quality care. They focus on helping you maintain and improve your health by encouraging a strong physician-patient relationship. Activecare promotes involvement in your health care decisions, while providing many of the benefits of coordinated care. Activecare provides benefits generally at the HMO level of coverage, with no deductibles for in-network care. This includes hospital care, doctor's office visits, preventive services and prescription drug coverage for care provided in the Activecare network. If you obtain care outside the Activecare network, you still receive coverage similar to the GM Enhanced Medical Plan (with deductible plus 20% coinsurance). Activecare is available in the Greater Ann Arbor, Michigan and Dayton, Ohio service areas. 10 11 CONSIDERATIONS coverage. For these health plans, your cost depends Medical coverage options differ from each on whether you choose a generic, preferred brand- other in: name drug or non-preferred brand-name drug, and whether you fill your covered prescription at a ■ The amount you pay through monthly network pharmacy, a non-network pharmacy or use contributions the home delivery prescription drug program. ■ The amount you pay in deductibles and If a generic equivalent is available for a copayments as you receive covered services and covered brand-name medication, the Program pays have expenses at the generic level. If you receive the brand-name ■ Limits that may be placed on your choice of medication, you will be responsible for the generic providers to receive benefits copayment plus the difference in cost between the generic and the brand-name drug. ■ The quality of health care services provided Your physician can appeal the specific need for HMO/PPO elections: The level of benefits you a brand-name drug through the Medco Health receive will depend in part on whether you use appeal process. If your physician establishes participating providers. the medical necessity and appropriateness of dispensing the brand-name drug rather than the If you are considering an HMO or PPO and generic equivalent, the additional amount will want to find out if your current physician is part be refunded after the applicable brand-name of the plan's network, call the plan directly. copayment is applied. Phone numbers are listed on the medical plan comparison chart in Your Personal Enrollment For HMO prescription drug coverage details, Information and the online health plan summaries access the online health plan summaries or available through the enrollment web site refer to the medical plan comparison chart (www.retiree.enroll.gm.com). Remember, when through the enrollment web site you choose an HMO or PPO, you are choosing a (www.retiree.enroll.gm.com). plan, not a specific doctor, as doctors may elect to leave the plan during the year. The Basic, Enhanced and PPO options include three features for retirees, surviving spouses and eligible Prescription drug coverage: The Basic Medical dependents who are not enrolled in Medicare: Plan, Enhanced Medical Plan, Activecare and PPO plans all provide the same level of prescription drug ■ Care Management provides a resource to help ensure the medical treatment you receive is medically necessary and appropriate through a Rx Home Delivery best practices predetermination. You and your Enrollees in the Basic Medical Plan, Enhanced eligible dependents must call Health Medical Plan, PPO and Activecare options International (toll-free at 1-877-299-4635) can enjoy the convenience of obtaining home before any surgery, hospital stay, skilled delivery prescription drug refills online at nursing facility admission or home health www.medcohealth.com or by calling care service. If you do not call — or if you 1-800-464-4679. Note: Starting a new proceed with services considered inconsistent prescription in home delivery requires the with nationally recognized best practices — prescription to be written for up to a sanctions of $200 per occurrence (up to $600 per 90-day supply. year) will apply. ■ Disease Management can enhance quality of life when you or a family member lives with a You can access online health plan chronic medical condition. Health International summaries and a chart comparing your medical professionals can work with you and medical options through the enrollment your doctor to develop a personalized coordinated web site (www.retiree.enroll.gm.com). plan of care. This feature is voluntary. ■ Centers of Excellence offer the opportunity to receive care from among the best facilities and doctors — nationally recognized for improved outcomes in treating specific serious medical conditions. Health International medical professionals can advise you on local and regional facilities. This feature is voluntary. If you have coverage under more than one health care plan or through Medicare, the Program will coordinate medical and ECC plan payments with those other plans. CONSIDERATIONS If You or a Covered Dependent Will Turn Age 65 in 2004 Typically, you become eligible for Medicare at age 65. At that time, you should send a copy of the Medicare ID card to the Medicare Verification Unit at the National Benefit Center, P.O. Box 14685, Lexington, KY 40512-4685. If you are considering an HMO and you or a covered dependent will turn age 65: ■ On or before January 31, 2004 — only HMOs that accept Medicare-eligible enrollees will be listed in your enrollment information. ■ After January 31, 2004 — you should check the plan summary or call the HMO directly to verify whether it accepts Medicare-eligible enrollees. If you elect an HMO that does not accept Medicare-eligible enrollees, you will be notified to change options before Medicare begins. 12 13 Extended Care Coverage (ECC) OPTIONS ELECTION RULES ■ Continue ECC You must elect one of the medical plans to elect ECC, which is provided at the same family ■ Waive ECC status category as your medical coverage. If you waive ECC, you are permanently If you waive ECC and/or medical coverage, excluded from future re-enrollment unless you will not be able to elect ECC again unless: you waive medical coverage to be covered as a dependent of another GM salaried employee or ■ You waive medical to be covered as a retiree who has ECC. (See details under dependent of a GM salaried employee or a "Election Rules" on this page.) GM salaried retiree who has ECC. In such cases, you may add ECC coverage at a Changing your medical plan does not affect future date when you again elect GM your ECC coverage. medical coverage. If you terminate or drop your ECC coverage, CONTRIBUTIONS you cannot reinstate it at a later date other than See the enrollment web site as described above. (www.retiree.enroll.gm.com) or Your Sponsored Dependents are not eligible Personal Enrollment Information for the 2004 for ECC. monthly contributions for ECC. They are based on the family status you elect for 2004. For more details about ECC, you may refer to the booklet entitled Your Benefits in Retirement (2000). CONSIDERATIONS Extended Care Coverage supplements your Long-Term Care (LTC) medical coverage when certain services are Insurance: A Reminder required. It covers: If you currently have LTC Insurance through John Hancock, you do not ■ Hospital, skilled care or home health care need to re-enroll to continue coverage. services that exceed medical plan limits ■ Custodial care, which is not covered by To purchase LTC Insurance, you or the medical plan your spouse can apply for coverage at any time through John Hancock. Your ECC has no deductible or copayment. The parents and/or parents-in-law also may plan pays benefits up to an annual maximum of apply. You cannot purchase this $50,000 per covered person. coverage through the health care enrollment system. ECC pays: For information on how to enroll, ■ A reasonable and customary rate for approved call John Hancock — Monday through hospital or skilled nursing facility stays beyond Friday between 8:30 am and 4:30 pm the medical plan's limits; skilled care at an Eastern time. approved nursing facility; and home health ■ 1-800-200-6773 care — skilled only or a mixture with unskilled — that exceeds medical plan coverage ■ 1-800-255-1808 (TTY) ■ Up to $35 a day for unskilled care at a hospital, skilled nursing facility or licensed nursing home, or received through a home health care agency or by a privately contracted qualified nurse professional approved by the ECC carrier 14 15 Dental Options OPTIONS CONSIDERATIONS ■ Traditional Dental Plan (MetLife) Similar to HMOs, Alternative Dental Plans (ADPs) require the use of network providers for ■ Alternative Dental Plans (where available) you to receive benefits. Call the plan directly for ■ Waive dental coverage a list of participating dentists. If you elect the Traditional Dental Plan, you can choose to see any dentist and receive covered benefits. CONTRIBUTIONS However, you can lower your out-of-pocket See the enrollment web site costs by using a dentist in MetLife's (www.retiree.enroll.gm.com) or Your Preferred Dentist Provider (PDP) network. Personal Enrollment Information booklet for the The PDP network operates "silently" within the 2004 monthly contributions for each option. Traditional Dental Plan and does not require Contributions vary by your family status election special enrollment. Use of a PDP dentist is for 2004. voluntary, but it can save both you and GM money. Examples of cost-saving opportunities common to the MetLife Traditional Dental Plan ELECTION RULES are found on page 16. Sponsored dependents are not eligible Both types of dental plans cover similar for dental coverage. services. The Traditional Dental Plan payments generally are based on reasonable and customary charge standards, while ADP payments typically are based on a fee schedule determined by the Note: The names of the Alternative dental plan. Dental Plans may be similar to your other options — make sure you are The Traditional Dental Plan and Alternative electing the plan that you want. Dental Plans (if any) available in your area are summarized in the online health plan summaries available through the enrollment web site (www.retiree.enroll.gm.com). If you are enrolled in MetLife's Traditional Dental Plan, you can find information on available benefits, eligibility and status of your claims online at www.gmnbc.com (select "MyBenefits"). This Program coordinates payment with benefits from other dental plans. Changing your medical option does not affect your dental coverage. Save Money on Traditional Dental Costs by Using a PDP Provider Here are some examples of cost-saving opportunities common to the MetLife Traditional Dental Plan. (Note: For purposes of illustration, these examples assume the provider charge equals R&C *.) 1. Periodic Oral Exam plus Cleaning (Plan pays 100%) Traditional Dentist (non-PDP) PDP Dentist Total Savings Provider Traditional Plan You PDP Plan You You GM Charge R&C* Pays Pay Fee** Pays Pay Save Saves $95.00 $95.00 $95.00 $00.00 $65.00 $65.00 $00.00 $00.00 $30.00 (100% x $95) (100% x $65) 2. Crowns (Plan pays 90%; You pay 10%) Traditional Dentist (non-PDP) PDP Dentist Total Savings Provider Traditional Plan You PDP Plan You You GM Charge R&C* Pays Pay Fee** Pays Pay Save Saves $700.00 $700.00 $630.00 $70.00 $475.00 $427.50 $47.50 $22.50 $202.50 (90% x $700) (90% x $475) 3. Complete Denture — Upper (Plan pays 50%; You pay 50%) Traditional Dentist (non-PDP) PDP Dentist Total Savings Provider Traditional Plan You PDP Plan You You GM Charge R&C* Pays Pay Fee** Pays Pay Save Saves $979.00 $979.00 $489.50 $489.50 $679.00 $339.50 $339.50 $150.00 $150.00 (50% x $979) (50% x $679) 4. Orthodontia Services (Plan pays 50%, up to $1,800 lifetime maximum) Traditional Dentist (non-PDP) PDP Dentist Total Savings Provider Traditional Plan You PDP Plan You You GM Charge R&C* Pays Pay Fee** Pays Pay Save Saves $4,760.00 $4,760.00 $1,800 $2,960.00 $3,350.00 $1,675.00 $1,675.00 $1,285.00 $125.00 ($1,800 (50% maximum) x $3,350) To learn more about your Traditional Dental Plan benefits and locate a PDP dentist, visit www.metlife.com or call MetLife at 1-888-224-0240. * Reasonable and Customary ("R&C") charges are based on the lowest of a dentist's usual, actual and community average charge as determined by MetLife. You are responsible for the amount of the fee above the R&C charge, if any. 16 ** PDP fee refers to the negotiated fees that participating PDP dentists have agreed to accept as payment in full. 17 CONSIDERATIONS Vision Options The chart on page 18 shows your vision OPTIONS coverage at-a-glance under the vision network. More detailed information is found ■ Vision Plan (Cole Managed Vision) in the Your Benefits in Retirement (2000) booklet. ■ Waive vision coverage This Program coordinates payment with benefits from other plans. CONTRIBUTIONS You may be responsible for any costs above the Monthly contributions for vision coverage vary reasonable and customary charge (R&C). by your family status election for 2004: R&C is based on the actual amount a provider charges for services or materials up to a ■ $1 for you only reasonable limit set by the carrier. ■ $2 for you and spouse/partner Changing your medical option does not ■ $2 for you and children affect your vision coverage. ■ $3 for you and family The Vision Plan is a traditional plan, which means you can choose to see any vision provider and receive benefits. Use of a network vision provider ELECTION RULES is voluntary, but it can save both you and GM Sponsored dependents are not eligible for money. For network providers in your area, vision coverage. contact Cole Managed Vision at www.colemanagedvision.com or 1-800-638-0166. Vision Benefits At-A-Glance Network Out of Benefit Frequency Provider Network Out of Area* Vision Exam Once each Covered in full Enrollees are Enrollees are calendar year reimbursed reimbursed based based on carrier on R&C** minus fee schedule $7 copay Frames Once every two Covered in full if Enrollees are Enrollees are consecutive selected from reimbursed reimbursed based calendar years designated based on carrier on R&C** minus frame display fee schedule $10 copay (30% discount available on all other frames) Lenses Once every Covered lenses Enrollees are Enrollees are calendar year available at no reimbursed reimbursed based cost (enrollees based on carrier on R&C** minus pay non-covered fee schedule $10 copay additives) Contact Once every Enrollees pay Enrollees are Enrollees are Lenses calendar year in the difference reimbursed $65 reimbursed $75 place of regular between minus $10 copay lenses providers charge and $75 Note: A vision exam provided by a non-network ophthalmologist results in the enrollee being reimbursed based on R&C** minus $7 copay. Frames are covered in full if selected from the discounted frame display shown by the network provider. A 30% discount is available on all other frames. * Out of Area occurs when there is no network provider within 25 miles of the enrollee's residence. ** R&C stands for reasonable and customary charge. 18 19 How to Verify How to Determine if a Dependent Is Eligible Dependent The charts on pages 21–23 walk through the eligibility requirements for most dependents. Information You should review them as you verify the eligibility for each dependent. To obtain the eligibility You should review the accuracy of your dependent requirements for domestic partners, contact the information as listed in Your Personal Enrollment National Benefit Center at www.gmnbc.com or Information and the online enrollment web site 1-800-828-9236. If you have any questions about (www.retiree.enroll.gm.com). This list shows whether a dependent meets the eligibility criteria, dependents — including Sponsored Dependents call the Enrollment Center at 1-800-462-5184 and — who are currently covered under your GM speak with a Customer Service Consultant. health care coverage. When you review the list, check that each Note: If you have an ineligible dependent shown is eligible and that the dependent enrolled and claims and/or information provided is correct. expenses are paid, you will need to ■ Do nothing if all of the dependents continue to make reimbursement for all payments meet eligibility requirements, the information is made for that person from the date he correct and you want to keep the same health or she stopped being eligible for the care coverage. Corporation's health care coverage. ■ Dependent information changes: – To cancel dependents who will be ineligible effective January 1, 2004, Is Your Spouse Eligible? use the online enrollment web site If you married your current spouse: (www.retiree.enroll.gm.com) or call the Enrollment Center at 1-800-462-5184. At the 1. Before you retired from GM, your same time, you can review your current health spouse is eligible as a dependent care coverage or make changes to your with Corporation contributions. choices. To cancel dependents who are 2. After you retired from GM and currently not eligible, contact the National before July 1, 1988, your spouse Benefit Center immediately at is eligible as a dependent with www.gmnbc.com or 1-800-828-9236. Corporation contributions. – To correct other dependent information 3. After you retired from GM and on — such as relationship status, date of birth or after July 1, 1988, you may or spelling of a dependent's name — or to purchase medical coverage for your add a dependent, contact the National spouse as a Sponsored Dependent. Benefit Center at www.gmnbc.com or 1-800-828-9236. If you are the surviving spouse of a GM salaried employee or retiree, you cannot add a new spouse to your GM coverage. The rules and steps for adding a dependent DEFINITIONS have not changed from last year. You These definitions are included to help you can access the form to add dependents understand terms that appear on the dependent by contacting the National Benefit Center at eligibility charts on pages 21–23. www.gmnbc,com, or by calling 1-800-828-9236 and accessing the automated voice response A Qualified Medical Child Support Order system — available Monday through Friday (QMCSO) is a court order that meets the between 7 am and 8 pm (Eastern time). provisions of Federal law requiring you to provide health care coverage for the child identified, if the If you do not make changes online or call the child meets all tests except for residency and Enrollment Center, you will have represented dependency. The child must be the child of the that your current dependents remain eligible for GM retiree. coverage and that their information is accurate. Children enrolled as of October 31, 1992 under Just because a person qualifies as an the former "principally supported child or exemption for personal income tax purposes legal guardianship" provisions are eligible if: does not necessarily mean he or she is eligible for medical, ECC, dental and vision coverage. ■ They remained continuously eligible and enrolled, and If you retired on or after July 1, 1988, you can only cover your spouse or children if they ■ They are legally claimed as an exemption were eligible for coverage at the time of your on your personal Federal income taxes retirement. New dependents can receive medical coverage as Sponsored Dependents if they are The Program's definition of "Totally and eligible and you pay the full cost of that coverage. Permanently Disabled" is having a medically determinable physical or mental condition that prevents the child from engaging in Sponsored Dependents substantial gainful activity and which can be expected to result in death or be of a long-term Sponsored Dependents are not included in or indefinite duration. your family status election or the medical contribution amounts listed in Your Personal Enrollment Information and the online enrollment web site. You should, however, verify the eligibility of your Sponsored The following charts are excerpts from Dependents. See the chart on page 23. the Guide to Dependent Eligibility for the Salaried Health Care Program. You Information about medical coverage can access this guide online at contributions for Sponsored Dependents www.gmnbc.com — or request a will be available in late December by copy by calling the National Benefit contacting the National Benefit Center Center at 1-800-828-9236. at www.gmnbc.com or 1-800-828-9236. Sponsored Dependents are not eligible for dental, vision or Extended Care Coverage. 20 21 If You Are a Salaried Retiree and Have Dependent Children Your children must satisfy each of four tests to be eligible for health care coverage as a dependent. These tests — relationship, marital status, age and residency — are summarized in the following chart. Start with the top box under "Relationship" and walk through the chart to determine the eligibility of each child. Start here Relationship Marital Status Age Residency Is this your or your Is the child married? Is the child under age Does the child reside As a retiree, was your spouse's child by birth 19 or is the child's with you as a member relationship to or legal or legal adoption? Yes No 19th birthday this Yes of your household? Yes responsibility for the Yes year? (A child temporarily child established on or away from home after July 1, 1988 and while attending after retirement? school will qualify.) No Yes No No No Is this a child in the Is the child (1) under Are you legally The child is eligible process of adoption age 25 or is this the responsible for the for enrollment, who resides with you calendar year of the health care expenses with Corporation and for whom you 25th birthday, and Yes of the child per a Yes contributions, under have physical custody (2)* did/will the child divorce decree or per the Salaried Health or who is under age 18 maintain status as a a QMCSO? Care Program. Yes and has been "placed" full-time student for for adoption with you at least one term No (meaning you have during the calendar assumed and retain year? Is this a child for legal obligation for whom you are legally partial or total support No responsible for of the child)? providing health care Does the child qualify Yes per a paternity order Yes as Totally and or court order (other No Permanently Disabled than a QMCSO) and under Program for whom you claim a Is this a child who was provisions? Federal income tax enrolled under the "guardianship" or exemption? "principally supported No child" provisions as of No 10/31/92, has been Yes This child is not continuously eligible eligible for coverage and enrolled since as a dependent child. then and for whom you However, the child claim a Federal income No may be eligible as a tax exemption? Sponsored Dependent. See page 20 for definitions of "Qualified Medical Child Support Order (QMCSO)" and "Totally and Permanently Disabled," and the chart on page 23 for Sponsored *Such children, age 24 or older, must also qualify as Dependent eligibility. your dependents under Section 152 of the Internal Revenue Code. If You Are a Surviving Spouse of a Salaried Employee or Retiree Check the following chart to determine if your children will remain eligible for health care coverage during 2004. Start here Is this a child who Does the individual This individual is was enrolled or continue to meet all eligible to have health eligible to be enrolled Program eligibility care coverage at the time of the Yes criteria (personal Yes continued. employee's or retiree's relationship, marital death? status, age and residency)? No Yes Is this a child of the employee or retiree and the surviving spouse and conceived Yes prior to but born after the death of the No employee or retiree? No Is this individual a Has the individual Sponsored been continuously Dependent? enrolled as of the Yes date of the No employee's or retiree's death? This individual is not eligible to have health No care coverage continued. Surviving spouses can only elect coverage for "you only" or "you and children." A surviving spouse may not: ■ Enroll a new spouse ■ Enroll new children or stepchildren ■ Enroll or re-enroll a Sponsored Dependent 22 23 To Determine if a Dependent Qualifies as a Sponsored Dependent The following chart walks through the requirements for a Sponsored Dependent of a salaried retiree or employee. Review it to verify that your current Sponsored Dependents remain eligible. Also, dependents who are not eligible for coverage as your dependents may qualify as Sponsored Dependents. Start here Is this your spouse acquired after Yes retirement and on or after July 1, 1988? No Is this your parent or Yes Can and do you legally Yes Is the individual a Yes Was this individual Yes This individual is your spouse's parent? claim an exemption U.S. citizen? previously enrolled eligible for employee No for this individual as a Sponsored or retiree-paid under Section 151 on Dependent? Sponsored Dependent Is this an unmarried your Federal income health care coverage, child? tax return? but reenrollment Yes requires a six-month waiting period from Is this your child the date the acquired after application is Yes retirement and on or received. Dental, after July 1, 1988? Vision and Extended No No Yes No Yes No Care Coverage are not available. Does this child live with you (or, if not living with you, whose health care expenses are your responsibility Yes due to a QMCSO) and is the child ineligible Are you legally Has this individual This individual is for coverage due to responsible for this been in the U.S. one eligible for employee his/her age? individual's health year and is the or retiree-paid care per a QMCSO? individual entitled to Sponsored Dependent No No remain indefinitely? health care coverage. Dental, Vision and Is this a minor living Extended Care with you whose Coverage are not parents are both available. Yes deceased and are you or your spouse the guardian pursuant to a court order? No No No Is this a minor child Remember living with you who is the child of an Yes You pay the full cost of medical individual who is coverage for a Sponsored Dependent. covered under the Program as your Do not include any Sponsored dependent child? Dependents when selecting your No This individual is not eligible for health care family status for health care coverage. coverage as a Sponsored Dependent. ALL OF THE FOLLOWING INFORMATION REGARDING AYCO FINANCIAL PLANNING IS PROVIDED BY AYCO. FEATURES Ayco Financial Life doesn't stop with retirement, and neither does Planning the need to plan. That's why it's important to obtain personalized, objective financial planning advice. The Ayco Company (a wholly owned subsidiary of the Goldman Sachs Group, Inc.) is widely recognized The Personal Finance Program for Retirees provides as one of the nation's foremost fee-based (i.e., access to an experienced, objective financial objective) financial counseling firms, and provides planner via the toll-free Ayco AnswerLine® service comprehensive financial planning services at over as well as the interactive power of the Ayco 300 major corporations. Ayco's financial planners Financial Network (www.aycofn.com), a are not salespeople, and its services are not sales password-protected, member-only web site that programs. Most of Ayco's financial planners hold acts as your financial mentor and record-keeper. credentials such as a law or MBA degree — or a Through The Ayco AnswerLine®, you can get CPA or CFP certificate. All are required to hold personalized, professional advice on planning NASD securities licenses, and all participate in issues of specific interest to retirees, like setting Ayco's internal training and continuing education up an estate plan, reallocating your portfolio programs. or increasing your cash flow. Personalized, topic- specific reports provide an objective assessment OPTIONS of your current financial situation. ■ No coverage Aycofn.com provides "do-it-yourselfers" with the ■ Money in Motion® Personal Finance Program tools they need to assess their financial health and for Retirees prioritize while guiding them through the steps they need to take. It allows users to keep a secure, easily Note: Financial planning is only available updateable record of their progress and features a directly through Ayco. You cannot purchase variety of financial modeling tools. You can model this service through the enrollment system. multiple scenarios as life events occur and access Ayco's online reference library for information on cash flow, debt management, investments, CONTRIBUTIONS estate planning, insurance, tax planning and key Refer to Your Personal Enrollment Information or life events. the online personal benefit information for pricing. Using Aycofn.com in conjunction with an Additionally, please note that you will be paying AnswerLine planner can help you make better- Ayco directly for enrolling in this service. informed decisions and avoid costly mistakes in today's complex financial environment. ELECTION RULES Financial planning is available in the U.S. and Puerto Rico. 24 25 What the Personal Finance Program includes: CONSIDERATIONS ■ "Welcome Letter" and brief confidential This service is designed to be meaningful to questionnaire that helps Ayco understand your all enrollees, at any stage of their lives. planning needs The service includes five hours of telephone ■ Personalized financial counseling via The Ayco access to Ayco financial planners familiar AnswerLine® service (up to five hours annually) with GM's benefit plans. Ayco's consultants will ■ Ayco's Updates newsletters (10 issues) provide information on a broad range of topics including tax withholding, investment allocation, ■ The Ayco-Approved List of Mutual Funds life insurance analysis and estate planning. ■ Access to personalized Focus Reports ■ Unlimited access to the Ayco Financial Network For More Information and to Enroll ■ The Investing In Your Future guidebook, a Call Ayco's Customer Service Line comprehensive planning reference anytime throughout the year at 1-800-437-6383, Monday through Friday, 9:00 am to 5:00 pm Eastern time (1-518-464-2488 if calling from outside of the United States). In Closing… Right to Amend Remember that choices and flexibility are what General Motors reserves the right to amend, annual enrollment is all about. GM provides you modify, suspend or terminate any of its benefit with a range of options for your health care so that plans or programs by the action of its Board of you can choose what you feel is most appropriate for Directors, or individual or other committee you and your family. We continually strive to offer you expressly authorized by the Board to take such the best possible choices, and provide information action. The benefits to which a retiree or and resources you can use in making your health care surviving spouse is entitled are determined decisions. We do this to encourage you to take a look solely by the provisions of the applicable benefit at your health care needs each year, consider how program. Absent an express delegation of things in your life may have changed and decide authority from the Board of Directors, no one has whether a change to your coverage election makes the authority to commit the Corporation to any sense. Remember… you're in the driver's seat when benefit or benefit provisions not provided for it comes to your health care. under the applicable benefit program, or to change the eligibility criteria or any other provisions of such program. General Motors also reserves the right to construe and interpret these benefit programs. Enrollment Period Each benefit program also has an appeal October 27 – November 7, procedure which serves as the exclusive manner 2003 for resolution of all disputes concerning the Access www.retiree.enroll.gm.com interpretation or application of the program. or call 1-800-462-5184 during the The decision on appeal is final and binding. enrollment period if you want to: ■ Change your coverage elections ■ Verify your dependents 26 September 2003
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