WELLNESS FOR LIFE

J M Smith Corporation wants to encourage employees to take care of their health. Your health is of great value to J M Smith. All preventive care below is covered under the plan at 100%, including an annual physical.

Mammograms: The American Cancer Society and the Mayo Clinic advise women to begin having annual mammograms at age 40. Women in their 20s and 30s are advised to have a clinical breast exam about every three years. Women 30 and older also should have an annual clinical breast exam. If your mother had breast cancer, it is recommended that you get a mammogram in your 30s.
Pap Tests: Women should get screened for cervical cancer about 3 years after they start having vaginal sex, according to the American Cancer Society. They should also get a screening no later than 21 years old.
PSA (Prostate): Certain people are more at risk for prostate cancer, including African Americans and those who have a family history of the disease. A prostate exam is recommended once a man is at age 40. Major risk factors for prostate cancer include age, race, and family history.
Annual Physical
Colonoscopy: Adhering to colon cancer screening guidelines is one of the best ways to prevent colon cancer. In general, your risk of developing colon cancer increases as you age. If this is your only risk factor, you are considered “average risk.” Other factors in your personal and family medical history may increase your risk. The simplest way for average-risk individuals to prevent colon cancer is to receive colon cancer screening starting at age 50 and continuing through age 75.

Optional but recommended screenings:

Vision: The American Academy of Ophthalmology recommends everyone has a complete eye exam once in your 20s and twice in your 30s if you have good vision and healthy eyes. Those who wear contact lenses should see an eye specialist every year. The Academy recommends a baseline eye disease screening at 40 and a complete eye exam annually or every two years after age 65.
Hearing: A hearing exam is recommended in order to diagnose hearing loss. This exam will include a variety of tests to ensure understanding speech and ability to identify tones. There are some tests performed in a physician’s office that do not qualify under the JMSC preventive measure coverage of 100%. There is coverage for these tests, however they may be subject to the deductible and coinsurance. Such tests include but are not limited to: XRays, EKGs, and anything resulting in a diagnostic procedure.

SURCHARGES: JMSC charges employees a surcharge in order to encourage good health practices.

$50 per month if you are a tobacco user.
"No Tobacco" means no use of cigarettes, chewing tobacco and all types of smoke-less tobacco.
Anyone hired in 2025 before July 1, 2025 must quit smoking in 2025 in order to meet requirements. Those hired after July, 1, 2025 will have until the following term to comply, i.e. – they have the remainder of 2025 and all of 2026 before the surcharge applies.
$50 per month if you do not have your preventative care completed.
NOTE – Preventative care is covered 100% by JMSC.
$125 per month if your spouse is working for an Employer that offers a medical benefits plan and they are eligible to enroll for such benefits, but choose not to enroll for any reason. Employees who enroll a spouse will receive an affidavit from the Corp Benefits coordinator for completion.

Health Item	Target Group	US Preventative Task Force recommendation	Options
Annual Preventative Health Review and Exam	All	Annually	Required: MUST be done in your birth month
Breast Cancer Screening	Women aged 50 to 74 years. Woman who place a higher value on the potential benefit than the potential harms my choose to begin biennial screening between the ages of 40 and 49 years.	Mammograms every 2 years. (Other groups recommend annual screening)	Required if due
Colon Cancer Screening	Adults aged 50 to 75 years - or if recommended by doctor to begin testing between 45-50	Colonoscopy every 10 years, Cologuard OR FIT or FIT-dna stool test every 1-3 years	Required if due
Cervical Cancer Screening	Women aged 21 to 29 years Women aged 30-65	Pap smear every 3 years with cervical cytology alone in women aged 21 to 29 Pap every 3 years with cervical cytology alone OR Pap with HPV testing every 5 years	Required if due
Prostate Cancer Screening	Men aged 55 to 69 years	The decision to undergo periodic prostate-specific antigen (PSA)-based screening for prostate cancer should be an individual one. Before deciding whether to be screened, men should have an opportunity to discuss the potential benefits and harms of screening with their clinician and to incorporate their values and preferences in the decision.	Option

LIFE MANAGEMENT

At J M Smith Corporation, we strive to be a “healthy company.” The health and wellness of all J M Smith Corporation employees and their families is important to us. Our comprehensive medical insurance and wellness programs help employees and their families achieve personal health success.

Generics - free.
Brand - You pay 20%, Plan pays 80%.

How to be compliant^*

You must set up monthly appointments with the Palmetto Proactive practitioner at your location (regional employees: with the Palmetto Proactive practitioner that has been assigned to you). It is YOUR responsibility to initiate these monthly appointments. If you do not comply with your monthly appointments, you will NOT receive free medications. You and your Palmetto Proactive practitioner will set goals once you initiate your first appointment.

* Compliancy is tracked once a quarter. For example: If you do NOT make your MONTHLY appointments for January, February and March (all three months, not one, not two) – you will NOT receive your FREE medications for April, May, June.

Together, we can accomplish these goals by learning about healthy lifestyles choices, taking advantage of annual physicals, wellness checkups, and working to control the costs associated with our medical insurance program.

It is important that you understand from the start, J M Smith Corporation will not have access to your medical records. You will maintain strict privacy between you and your healthcare professional and health coach.

If it is unreasonably difficult for you to participate in any of our wellness programs, please see HR, and we will work with you to find an alternate.