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Eligibility Guidelines

ELIGIBLE COMPANIES  To be eligible for coverage a company must:      Be actively in business      Enroll 1-9 eligible employees (owners included)      Contribute 50% of the Individual and 33% of the Family premium      Be located in the TUFTS service area      Be a member in good standing of NBT Inc. ELIGIBLE EMPLOYEES  An eligible employee is one who:      Works at least 30 hours per week for the employer      Was hired to work for a period not less than 5 months      Resides in the TUFTS service area NEW EMPLOYEES      All future eligible employees can be enrolled within 30 days of hire or within a         time frame consistent with company new hire probation policy WAIVER OF COVERAGE  Full Time employees can be excluded who are:      Covered by a spouse’s or parent’s health plan      Age 65 or over and covered by Medicare      Living outside the Tufts service area PARTICIPATION REQUIREMENTS  Groups of 1-5      100% of eligible employees must enroll  Groups of 6-9      75% of eligible employees must enroll PLAN SELECTION      All employees must select the same plan EFFECTIVE DATE      All coverage will be effective on the 1st day of the month, contingent upon the         HMO’s enrollment requirements. Enrollment materials should be received by the         25th of the preceding month.