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© Hitesman & Wold, P.A. 2019 Cafeteria Plan Summary Description (3-11) 19 PART II. GROUP MEDICAL BENEFITS 2.1 What benefits are provided? An important feature of the Cafeteria Plan is the opportunity it provides you to pay your share of the cost of medical coverage on a pre-tax basis. The medical coverage is provided through your Employer and is referred to herein as the “Group Medical Plan.” Your share of the cost for that coverage is paid with the allocation of Employer contributions (if any) and pre-tax dollars through salary reduction under this portion of the Cafeteria Plan. The Group Medical Plan is described in separate materials which have been provided to you either directly by the carrier (the insurance company or HMO) or by your Employer. Those descriptive materials are incorporated into this summary description by reference. If you have not been provided this information, you should contact the Plan Administrator. The benefits under the Group Medical Plan are provided in accordance with the applicable Group Medical Plan documents. The Group Medical Plan is subject to privacy and security provisions of the Health Insurance Portability and Accountability Act of 1996 (“HIPAA ”). 2.2 How do I become a Participant in this portion of the Cafeteria Plan? To participate in this portion of the Cafeteria Plan, you must first enroll in the Group Medical Plan. You may select coverage under the Group Medical Plan for just yourself, or you may select coverage for yourself and others who are eligible for coverage under the terms of the Group Medical Plan. Please refer to the contract or policy governing the Group Medical Plan for informa tion regarding who is eligible for coverage under that plan and how to enroll in that plan. If you have enrolled in the Group Medical Plan, then you may participate in this portion of the Cafeteria Plan if you satisfy the general eligibility requirements for the Cafeteria Plan described in Section 1.4. If you satisfy those requirements, you will automatically become a Participant in this portion of the Cafeteria Plan for purposes of paying your share of the cost of Group Medical Plan coverage unless you elect not to do so. 2.3 How is my cost of group medical coverage paid? If you participate in this portion of the Cafeteria Plan, your cost of coverage under the Group Medical Plan is generally paid by allocation of any available Employer contribution and, to the extent the Employer contribution is insufficient, with pre-tax dollars through salary reduction. NOTE: You must be a Participant in the Cafeteria Plan for your portion of the premiums to be paid pre-tax. If you pay the cost of Group Medical Plan coverage through this portion of the Cafeteria Plan and you have enrolled an individual who is not your spouse or “tax dependent” (as those terms are defined in Section 1.16), then the taxation of that individual’s coverage will be handled as described in Section 1.16.