OPEN ENROLLMENT Chester County Hospital

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1 OPEN ENROLLMENT Chester County Hospital April 24 May 7, 2017 Make Your Elections Online by May 7! Open Enrollment is just around the corner. Now is the time to understand the benefits available to you, review your current benefit elections and enroll for coverage. You must take action between 12:01 a.m. on Monday, April 24 and 11:59 p.m. on Sunday, May 7, to confirm your benefit elections. Highlights One Medical Plan for all of UPHS All CCH and UPHS employees will have the option to enroll for coverage under one medical plan, the PennCare PPO Plan with prescription drug coverage through CVS/Caremark. Elimination of the Spousal Surcharge The spousal surcharge will be eliminated, and you will not need to complete a Spousal Surcharge Waiver during Open Enrollment. HR&You Benefits Portal: Beginning April 24, you will have access to the UPHS HR&You benefits website where you can find all of your benefits-related information, tools, forms and contacts. You Must Take Action! Enroll for Supplemental Life and Accidental Death & Dismemberment (AD&D) Coverage Employee supplemental life and AD&D coverage options will be changing on June 30, If you want coverage for yourself, your spouse and/or your child(ren), you must take action during Open Enrollment.

2 WELCOME TO OPEN ENROLLMENT We believe that the best care for our patients starts with the best care for our employees. Our employee benefits programs help you get healthy and stay healthy. We offer comprehensive compensation and benefits programs that include one of the finest prepaid tuition assistance programs in the region. Penn Medicine employees are actively engaged and committed to our mission. Together, we will continue to make medical advances that help people live longer, healthier lives. Open Enrollment is your once-a-year opportunity to review your benefits and ensure your coverage meets your needs. Our benefit programs help you and your family stay well and protect you when you re not well while managing the rising costs of health care for us all. In this guide, you will find the information you need to learn about the benefit offerings available to you effective July 1, We are also excited to introduce you to the HR&You benefits website at We hope you will find it to be a helpful resource for accessing your benefit information throughout the year. Contents 1

3 What s Changing These changes will go into effect on July 1, Medical The Keystone HMO Plan will no longer be offered. Medical coverage is available through the PennCare PPO Plan administered by Independence Blue Cross (IBC). If you are currently enrolled in the Keystone HMO medical plan and take no action during Open Enrollment, you will default to the PennCare PPO Plan at the same level of coverage (for example, employee only or family). You will receive a new PennCare PPO ID card in the mail. If you are currently enrolled in the Keystone HMO Plan and enroll in the PennCare PPO Plan, your out-of-pocket maximum (the most you pay out-of-pocket for medical services and prescription drugs in a plan year) will start over on July 1, The new out-of-pocket maximums for medical services and prescription drugs will be in effect for the July 1, 2017 June 30, 2018 plan year. Cost of Coverage If you are currently paying the spousal surcharge, you will no longer be subject to the $100 per-pay-period spousal surcharge. There will be three salary bands for medical plan coverage instead of the previous four. The cost of dental coverage is less than last year s rates for all three dental plans and across all four coverage tiers. There is no change in the cost of vision coverage from last year s rates. Prescription Drug Prescription drug coverage will be provided through the CVS/Caremark network. Your out-of-pocket costs (copays) for prescription drugs will change. There will be no out-of-pocket costs for specialty drugs, generic hypertension and generic hyperlipidemia prescriptions when filled at a UPHS pharmacy. If you enroll in medical coverage, new CVS/Caremark prescription drug ID cards will be mailed to you after enrollment. Core Life Insurance Core life insurance, paid by UPHS, will be one times your annual base pay. This is an increase in coverage for all part-time, benefit-eligible employees. All full-time and part-time benefit-eligible employees will automatically receive this coverage. Supplemental Life Insurance Current supplemental life insurance coverage levels will be changing. You may purchase supplemental life insurance coverage of one, two or three times your base pay during Open Enrollment. If you purchase coverage during Open Enrollment, you will not be required to provide evidence of insurability (proof of good health), unless your coverage amount exceeds $500,000. Accidental Death and Dismemberment (AD&D) Core AD&D coverage will no longer be offered, and your current coverage will end on June 30, If you want AD&D coverage for yourself, your spouse, and/or your child(ren), you must elect coverage during Open Enrollment. You may purchase AD&D supplemental coverage equal to one, two, three or four times your base pay. Spouse AD&D coverage is offered at 50% of your purchased coverage amount. Child(ren) AD&D coverage is offered at 15% of your purchased coverage amount. 2

4 Open Enrollment Is April 24 May 7, 2017 Take action during Open Enrollment if you want to: Make changes to your current benefit elections for the plan year. Add or drop a dependent from your benefits coverage. Contribute to a Health Care or Dependent Care Flexible Spending Account (FSA) for the plan year. Enroll in supplemental life and/or AD&D coverage for you, your spouse and/or your child(ren). Designate a beneficiary for core life insurance. What Happens If You Don't Take Any Action? If you waive coverage Medical Dental Vision Flexible Spending Accounts Core Life Insurance Supplemental Life Insurance for you Spouse and Child Life Insurance You will continue to waive coverage. If you are enrolled in the Keystone HMO Plan, you will default to the PennCare PPO Plan at your same coverage level. If you are enrolled in the PennCare PPO Plan, you will keep your current coverage, at the same coverage level. You will keep your current coverage, at the same coverage level. You will keep your current coverage, at the same coverage level. No coverage. You must enroll each year to participate. You will be automatically enrolled in new core life insurance coverage at one times your annual base pay. You must designate a beneficiary during Open Enrollment. Your current coverage options are changing. You must enroll for this coverage during Open Enrollment and complete a beneficiary designation. Evidence of Insurability (EOI) will be required for coverage amounts over $500,000. You will keep your current coverage, at the same coverage level. Accidental Death & Dismemberment (AD&D) Insurance for you Your core AD&D coverage will end on June 30, You may enroll for AD&D coverage during Open Enrollment, or you must wait until a future Open Enrollment period. Benefits You Receive Automatically For full-time employees, short- and long-term disability coverage is automatically provided to you and paid by UPHS. Part-time employees, regularly scheduled a minimum of 40 hours bi-weekly, may purchase disability coverage. Visit during Open Enrollment for information. Open Enrollment Resources EnrollOne UPHS Benefits Team Newly Designed HR&You Website You will make your benefit elections through our secure, online benefits enrollment website EnrollOne. Before Open Enrollment, review your benefit options. Beginning April 24, log on to to make your benefit elections for coverage effective July 1, A UPHS benefits representative is available to answer your questions when you call or you can simply send an to CCHBenefits@uphs.upenn.edu. During Open Enrollment, visit the newly designed HR&You website, to learn about all of your benefits, find providers, complete your enrollment and much more! 3

5 Convenient Care for UPHS Employees When you need to feel better or want to take action to improve your health, UPHS provides FirstCall and PennPrevents to make that easy. You take care of patients. Let us take care of you. Not feeling well? FirstCall is a 24/7 virtual urgent care line that connects you with Penn Medicine providers 24 hours a day, seven days a week, and will be available beginning July 1, Our goal is to get you the answers and care that you need right away. Whether you need medical advice, prescriptions for acute issues or a same-day in-person appointment, make it your FirstCall! Beginning July 1, 2017, you can reach FirstCall by calling Empowering UPHS employees to take control of their health. PennPrevents offers convenient and effective treatment for hypertension and high cholesterol. In support of this program, UPHS is pleased to offer no cost generic hypertension and hyperlipidemia prescriptions when filled at a UPHS pharmacy. Visit the Perelman Center for Advanced Medicine (PCAM) and Pennsylvania Hospital to: Take control of high blood pressure. Lower your cholesterol and reduce your risk of heart disease. Screenings and care programs are provided in the workplace and are available to those covered by the PennCare PPO Plan. Call to learn more. Health Advocate The world of health care can be complex, which is why we offer support through Health Advocate. Health Advocate is a free, confidential service available to you, your spouse, dependent children, parents and parents-in-law. Their experts can: Help you get the right care at the right time, Resolve a wide range of time-consuming health care and insurance-related issues, Help you use and manage your health care benefits, and Much more. You also have the opportunity to participate in their free tobacco cessation program. Your Health Advocate benefit can be accessed 24/7 at or at Normal business hours are Monday Friday, from 8:00 a.m. to 12:00 a.m. (midnight), Eastern Time. Staff is available for assistance after hours and on weekends. You can also access Health Advocate from the HR&You website. Penn Care Connect Concierge Service Penn Care Connect is a concierge service that can help you or a family member schedule an appointment with a Penn provider. Call Penn Care Connect at to schedule an appointment with a PennCare Network physician. 4

6 Medical The PennCare PPO Plan The Keystone HMO Plan will no longer be offered for the benefit plan year. If you are enrolled in the Keystone HMO Plan, you will default to the PennCare PPO Plan at your same coverage level. The PennCare PPO Plan offers three networks of providers with different levels of coverage. You receive the highest level of benefits when you visit a PennCare Network provider, facility or pharmacy. The plan also includes prescription drug coverage through CVS/Caremark. PennCare PPO Network Provides access to best-in-class providers in many convenient locations even outside of the Philadelphia metropolitan area. When you use this network, you save on everything from doctor office visits and prescription drugs to X-rays and hospital care. IBC In-Network If you choose a provider that s not in the PennCare Network, you should consider using an in-network provider. You have to pay more out of pocket than you would if you used a PennCare Network provider, since you will have to meet a deductible for some services before the plan begins to pay for coverage. Out-of-Network This includes any providers outside the PennCare and IBC networks. You will pay more when you visit an out-of-network provider. For provider information, visit and click PennCare PPO to find a link for Penn Providers. You can also find Penn Providers by visiting Simply register/sign in to an account and select Find a Doctor. For provider information, visit For coverage information, visit or use the IBC app to access your information wherever you are. Centers of Excellence Certain services require you to receive care from a PennCare provider under the Centers of Excellence. The benefit plan offers best-in-class services provided by the following UPHS departments: Oncology Cardiology Neuroscience Orthopaedics If you do not receive the service from a provider in the Centers of Excellence of UPHS, you will pay a $1,000 copay in addition to the regular cost share of the service (does not apply to emergency services). If you or a covered dependent lives more than 50 miles from Philadelphia, you will be eligible for consideration of waiver of the $1,000 copay if you receive the service from a provider outside of the Centers of Excellence of UPHS. For a list of services available through the Centers of Excellence of UPHS, visit and click the link for Centers of Excellence on the Medical page under Health Benefits. If you have questions about these services, or about when to use a Center of Excellence, call Health Advocate at

7 The PennCare PPO Plan at a Glance Preventive Care Covered at 100% Get regular preventive care. Annual exams, age-appropriate screenings, well-woman care and immunizations are covered at 100%, within the plan limits. Preventive care can help detect potential health risks early, helping you avoid costly medical bills down the road. For the benefit plan year, the PennCare Network has expanded to include most Lancaster General Hospital providers. PennCare Network IBC In-Network Out-of-Network How to Access Care Go to any PennCare provider Go to any IBC in-network provider Go to any out-of-network provider Deductible - Employee - Employee + Spouse/Child(ren) - Family None $250 $500 $750 $750 $1,500 $2,250 Preventive Care (The Plan pays) 100% 100% 60% after deductible Coinsurance (The Plan pays) 100% 80% 60% Office Visit (You pay) - Primary Care/Specialist $20 copay $35 copay/$50 copay 40% after deductible Medical Out-of-Pocket Maximum (Includes deductible, coinsurance and medical copays) - Employee - Employee + Spouse/Child(ren) - Family $1,000 $1,500 $2,000 $3,000 $5,000 $7,000 $6,350 $9,500 $12,700 Emergency Room Fee (You pay; waived if admitted) $150 copay $150 copay $150 copay Inpatient Hospital* (You pay) Outpatient Facility* (You pay) Advanced Radiology (You pay) $0 $0 $1,000 copay; no deductible or coinsurance (Physician services: 20% coinsurance after deductible) Maternity: $750 copay (No deductible or coinsurance) $500 copay; no deductible or coinsurance (Physician services: 20% coinsurance after deductible) $0 $250 copay 40% after deductible 40% after deductible $250 copay; then 40% after deductible Penn Behavioral Health Inpatient Mental Health and Substance Abuse (You pay) Outpatient Mental Health and Substance Abuse (You pay) In-Network (PBH Preferred) $0 In-Network (PBH Regional Network) $1,000 copay; no deductible or coinsurance (Physician services: 20% coinsurance after deductible) Out-of-Network 40% after deductible $20 copay $35 copay 40% after deductible * If you do not receive care from a provider for certain services in the Centers of Excellence of UPHS for oncology, cardiology, neuroscience or orthopaedics, you may be required to pay an additional $1,000 copay (copay will be waived for emergency care). 6

8 Prescription Drug New for the benefit plan year, prescription drug benefits will be administered through CVS/Caremark effective July 1, When you enroll in the medical plan, you will automatically receive coverage in the prescription drug program. You will have the option to fill your prescriptions at a UPHS pharmacy or through a retail pharmacy in the CVS/Caremark network. Visit to find a retail location near you. Under the prescription drug program, any out-of-pocket costs, including copays, will count toward the prescription drug out-of-pocket maximum. When filled at a UPHS pharmacy, there is no cost for specialty drugs, generic hypertension and generic hyperlipidemia medications. 30-Day Supply (You pay) Generic - Hypertension prescriptions - Hyperlipidemia prescriptions Prescription Drug Coverage UPHS Pharmacy $5 No cost No cost Retail Preferred $15 $45 Non-Preferred $30 $75 90-Day Supply (You pay) Generic* - Hypertension prescriptions - Hyperlipidemia prescriptions UPHS Mail Order* $10 No cost No cost $15 CVS/Caremark Mail Order Preferred $30 $90 Non-Preferred $60 $150 Specialty Drugs (You pay) $30 Out-of-Network No coverage 30-Day Supply Only No cost 20% coinsurance; $100 per prescription maximum Out-of-Pocket Maximum $1,000 per member/$2,000 per family No maximum * You may access a 90-day supply through the outpatient pharmacies at UPHS pharmacy locations. You save on prescription drug copays when you visit a UPHS pharmacy. You also have the option to fill your prescriptions through a retail pharmacy or out of network. New for the benefit plan year, the UPHS pharmacy expanded to include these 12 pharmacies: Hospital of the University of Pennsylvania, Pennsylvania Hospital, Penn Medicine University City Apothecary, Penn Presbyterian Medical Center, Penn Presbyterian Apothecary, Hospital of the University of Pennsylvania Radnor Pharmacy,* Penn Home Infusion Therapy, Perelman Center for Advanced Medicine Outpatient Pharmacy, Chester County Hospital Employee Pharmacy, NEW for : LG Health/Penn Medicine Convenience Pharmacy, Hospital of the University of Pennsylvania Valley Forge Pharmacy, Penn Medicine Cherry Hill Pharmacy, Use UPHS Pharmacies for Specialty Drugs or Penn Home Infusion Therapy Prescriptions for specialty drugs filled at a UPHS pharmacy are covered at no cost to you! You can also have your specialty drugs mailed or delivered to your home by Penn Home Infusion Therapy. For more information, please call * Radnor Pharmacy provides the option to receive prescription drugs through mail order. 7

9 Dental UPHS helps you maintain good dental health by providing you with three dental plan options: Delta Dental Standard, Delta Dental Premium and Penn Faculty Practice Plan.* For the plan year, the cost for coverage will be reduced for all three dental plans. If you enroll in the Penn Faculty Practice Plan, you will have access only to these three locations below: The Dental Care Center 4003 Locust Street Philadelphia, PA PENN Dental 3737 Market Street Philadelphia, PA PENN Dental Center at Bryn Mawr 711 Lancaster Avenue Bryn Mawr, PA * Note that Penn Faculty Practice is available in three locations only. If you elect coverage under this plan, you must receive care at these three locations to receive plan benefits. Make sure these locations are convenient for you and your family. Save Money by Knowing Your Dental Provider s Network You can use any dentist you choose. However, the amount you pay for dental services will depend on your plan option and whether your provider participates in the Delta Dental PPO network, the Delta Dental Premium network or is a nonparticipating provider. The highest benefit level will be paid when you visit a PPO network provider. These providers offer the highest discount, so your cost is lowest when you receive services from them. Vision UPHS offers two vision plans that allow you to select the coverage level and cost that best meet your needs. You may choose either the Davis Standard Plan or the Davis Premium Plan. There are no changes to vision plan benefits for the benefit plan year. 8

10 Life and Accidental Death & Dismemberment (AD&D) Life and AD&D benefits, offered through Sun Life, provide you and your family with an added layer of financial protection. For the benefit plan year, you will have new coverage options. You must take action and enroll in coverage during the Open Enrollment period to have coverage beginning July 1, Imputed Income Under IRS rules, you must pay taxes on the premium value of the UPHS-paid core coverage over $50,000. This is called imputed income and will be shown on your bi-weekly pay stub. The IRS determines the amount of this tax. Core Life Insurance Full-time and part-time benefit-eligible employees will automatically be provided with core life insurance coverage, paid by UPHS. New for the benefit plan year, coverage will be one times your annual base pay. This is an increase in coverage for all benefits-eligible part-time employees and many full-time employees. Supplemental Life Insurance During Open Enrollment, you may purchase supplemental life insurance of one, two or three times your base pay. You may purchase up to $500,000 in coverage without providing proof of good health, also known as evidence of insurability. The maximum amount of coverage you can elect is $1,000,000 when combined with core life insurance. Your benefits under the core and supplemental life insurance plans will reduce beginning when you turn age 70 (40% of the total benefit), then age 75 (25% of the total benefit), and then age 80 (15% of the total benefit). Spouse Life Insurance Spouse life insurance provides benefits to you, as the beneficiary, in the event of the death of your spouse. If your spouse works for UPHS, only one of you can elect spouse life insurance. During Open Enrollment, you may purchase coverage of $2,000, $5,000 or $10,000. Child Life Insurance Child life insurance provides benefits to you, as the beneficiary, so you can pay expenses in the event of the death of your child(ren). If your spouse works for UPHS, only one of you can elect child life insurance. During Open Enrollment, you may purchase coverage of $1,000, $2,000 or $5,000. 9

11 Evidence of Insurability If you enroll in supplemental life insurance coverage during Open Enrollment, you will automatically qualify for coverage, unless your coverage is greater than $500,000. In this case, you may be required to provide proof of your good health also known as evidence of insurability (EOI) to Sun Life. AD&D Core AD&D coverage will end on June 30, You may elect to purchase AD&D coverage during Open Enrollment for yourself, your spouse and your child(ren). AD&D coverage pays benefits in addition to any life insurance benefits you receive if you die or are dismembered in an accident. You are automatically the beneficiary for any dependent AD&D coverage you purchase. If your spouse works for UPHS, only one of you can elect dependent AD&D insurance. If you choose to enroll for AD&D coverage, the cost of this coverage will be deducted from your paycheck on a pre-tax basis. Your options for AD&D coverage are: Type Employee AD&D Family AD&D Coverage 1, 2, 3 or 4 times your annual base pay 50% of the purchased employee coverage for spouse and 15% of purchased employee coverage for child Additional Benefits Disability Disability benefits can replace a portion of your base pay if you are unable to work because of illness or injury. Short-term and long-term disability benefits are fully paid by UPHS. Part-time employees, scheduled to work a minimum of 40 hours bi-weekly, may purchase disability coverage on a voluntary basis. View the complete plan details on during Open Enrollment. Flexible Spending Accounts (FSAs) FSAs allow you to contribute money on a pre-tax basis to help pay for eligible health care and/or dependent care expenses. For the plan year, you can contribute from $60 to $2,600 in pre-tax earnings to the Health Care FSA and from $260 to $5,000* in pre-tax earnings to the Dependent Care FSA. For the Health Care FSA, any unused funds remaining after September 15, 2018, will be forfeited. You can submit expenses until December 31 after the end of the plan year. * Employees making $115,000 or more will be able to contribute a maximum of only $1,700 this plan year to a Dependent Care FSA to meet IRS regulations. 10

12 Employee Assistance Program (EAP) The EAP is provided by Penn Behavioral Health. All UPHS employees are eligible for the EAP, which is 100% paid by UPHS. The EAP, available to you 24 hours a day, seven days a week, offers confidential assistance to all employees and their dependents. For more information about the benefits provided through Penn Behavioral Health, call Wellness UPHS maintains a strong commitment to encouraging employees to make healthy choices and improve or maintain good health. All employees are eligible to participate in UPHS-sponsored wellness events. Watch for health information s and special promotions throughout the year, or visit the HR&You website at to learn more. This fall, UPHS will expand its Wellfocused program to include CCH employees. You will have the opportunity to learn about your health and get rewarded for making wellness changes. Stay tuned for more information on this great benefit for you! Work Life Benefit The Work Life Benefit, administered by Penn Behavioral Health, helps you balance your personal and professional lives. For more information about benefits provided through Penn Behavioral Health, call Transit and Commuter Benefits The IRS sets annual limits for transit and commuter benefits. You may elect pre-tax deductions up to $255 per month for the Parking, Public Transit or Pay-Me-Back programs. Behavioral Health Benefits Remember, if you use a Penn Behavioral Health s Preferred provider, you will pay less out of pocket. When you go to a provider in the Penn Behavioral Health Regional Network or out of network, you will be subject to a deductible and coinsurance. For more information, please call The phone number for Behavioral Health is on the back of your PennCare PPO Plan insurance card. Autism Benefits Through Penn Behavioral Health s Preferred Network, diagnosis, care and support for autism are covered in full for most services. Outpatient office visits require a $20 copay. Care received through the Penn Behavioral Health Regional Network or outside of the network requires the payment of a deductible and coinsurance. For more information, please call

13 Employee Contributions The rates listed below for the PennCare PPO Plan include prescription drug coverage. Full-Time Employee Bi-Weekly Contributions PennCare PPO Band I Base pay less than $45,000 Band II Base pay of $45,000 - $89,999 Band III Base pay of $90,000+ Employee $50.00 $55.00 $61.57 Employee + Child $90.00 $97.00 $ Employee + Children $ $ $ Employee + Spouse $ $ $ Employee + Family $ $ $ Dental Plans Penn Faculty Practice Plan Delta Dental Standard Delta Dental Premium Employee $10.36 $5.33 $6.35 Employee + Children $22.02 $11.50 $15.01 Employee + Spouse $20.72 $12.03 $14.27 Employee + Family $29.79 $18.48 $23.43 Vision Plans Davis Standard Davis Premium Employee $0.66 $2.03 Employee + Children $1.13 $3.50 Employee + Spouse $1.51 $4.68 Employee + Family $1.93 $5.96 Learn More About Your Options Visit during Open Enrollment for complete plan details about your coverage options. 12

14 Part-Time Employee Bi-Weekly Contributions 60 hours per pay period.75 to.875 FTE PennCare PPO Part-Time 48 hours up to 60 hours per pay period.6 to.74 FTE (Includes in house registry) Part-Time 40 hours up to 48 hours per pay period.5 to.59 FTE Employee $61.57 $ $ Employee + Child $ $ $ Employee + Children $ $ $ Employee + Spouse $ $ $ Employee + Family $ $ $ Dental Plans Penn Faculty Practice Plan Delta Dental Standard Delta Dental Premium Employee $18.65 $9.59 $11.44 Employee + Children $39.63 $20.70 $27.02 Employee + Spouse $37.30 $21.65 $25.69 Employee + Family $53.61 $33.27 $42.18 Vision Plans Davis Standard Davis Premium Employee $0.66 $2.03 Employee + Children $1.13 $3.50 Employee + Spouse $1.51 $4.68 Employee + Family $1.93 $5.96 A Note About Legal Notices Legal Notices summarize the legal protections, rights and responsibilities related to your participation in UPHS benefit offerings. These notices are available to you on our HR&You website. Visit and click Legal Notices on the main menu on your home screen to review the legal notices. 13

15 How to Enroll To enroll for benefits, visit the EnrollOne website at starting April 24. Log on to our secure site using your network username and password the same information you use when logging on to your work computer. Once you are logged on to EnrollOne, you can: Enroll for benefits. During the Open Enrollment window, April 24 May 7, 2017, you may enroll for benefits 24 hours a day, seven days a week. Your elections will be in effect for July 1, 2017, through June 30, Print your online confirmation statement. If you want a copy of your elections, you must print your confirmation page after you complete your enrollment. View your benefits profile page. Your profile will show your benefit elections for the plan year. Designate Your Beneficiaries During Open Enrollment, please review your beneficiary information for your life insurance benefits and make any necessary changes. Beneficiaries are those person(s) who receive your benefits if you die. If you elect life insurance for your spouse, make sure his/her information is also on file. For the UPHS 403(b) Plan If you are married, your spouse is automatically your beneficiary. To choose a beneficiary other than your spouse, you must obtain your spouse s consent in writing. Visit and click Retirement under the Financial Support tab to access the link for your plan vendor (Vanguard or TIAA) to get further information. Are You Saving Enough for Retirement? UPHS offers retirement savings plans for all employees. You can contribute on a pre-tax or after-tax (Roth) basis. In either case, you will build a foundation for a stronger retirement. Your contributions are immediately 100% vested in the plan and you choose how to invest your savings. And when you contribute, UPHS contributes too, so don t leave money on the table. Open Enrollment is the perfect time to review and make changes to your contributions or to check your investments. Visit during Open Enrollment and select Retirement under the Financial Support tab. 14

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