Know Your Benefits New Hires Learning Module April 1, 2017 March 31, 2018

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1 Know Your Benefits New Hires Learning Module April 1, 2017 March 31,

2 Med Center Health Benefit Programs and Plans Welcome to Med Center Health. Med Center Health offers an exceptional benefit package with a wide range of options to meet the changing needs of Med Center Health employees. Please read through the information carefully so that you can make the best decisions for you and your family.

3 Employees in a regular full-time or regular part-time position that are regularly scheduled to work a minimum of 15 hours per week are eligible for the full range of Med Center Health benefits. Note: If you are unsure of your employment status, please contact your recruiter in Human Resources at

4 ALEX will explain your enrollment options and will help you make the right enrollment decisions in the following plans: Medical Plan Vision Plan Flexible Spending Accounts Dental Plan Life Insurance Other Voluntary Benefits ALEX will also explain Paid Time Off, Bereavement Leave, Tuition Reimbursement and the Employee Assistance Program (EAP) Click Here to talk to ALEX 4

5 EMPLOYEE HEALTH CLINICS Employee Health Medical Clinic Staffed by Nurse Practitioners, the Employee Health Medical Clinic is available to all Employees and provides treatment for limited acute-type illnesses or conditions, at no charge. This also includes physical exams. Primary Care Clinic Staffed by a Physician, the Primary Care Clinic provides medical services to employees and their adult dependents covered in the Med Center Health Medical Plan. Services are provided at no cost. Call Employee Health Services to make an appointment and to check office hours. Med Center Health Employee Health Services Medical Clinics 720 Second Street, Suite 207 Bowling Green, Kentucky (270) * Fax (270)

6 How Do I Enroll in Benefits? You enroll on-line in myhraccess within 31 days of your hire date! IMPORTANT: You enroll in benefits in myhraccess; not with ALEX. If you do not make your benefit elections in myhraccess within 31 days of your date of hire, you will not be enrolled and will not be able to enroll again until the next Open Enrollment period unless you have a qualifying event during the plan year. 4/10/

7 Benefit Plan ID Cards: After you make your enrollment elections in myhraccess and your elections are processed, your benefit I.D. Cards will be mailed to your home address. 1. Medical Plan ID Card from Med Center Health Medical Plan (CoreSource) 2. Dental Plan ID Card from HRI 3. Vision ID Card from Avesis 4. Flexible Spending Account/Health Reimbursement Debit Card (Benny Card). a. If you set up a Flexible Spending Account, your Benny Card will be mailed to you as part of your enrollment. b. If you do not set up a Flexible Spending Account, your Benny Card will be mailed to you when you earn deposits to your HRA. 7

8 What If I Want to Make a Change in My Elections During the Plan Year? You are not able to add, change or drop coverage during the plan year unless you experience a Qualifying Event as defined by federal law: - Marriage - Divorce - Birth of child- Adoption - Loss of dependent through death or change in eligibility status - Loss or gain coverage through loss or gain of spouse s employment You make your enrollment elections each year during Open Enrollment which occurs each February or March with an April 1 effective date. 8

9 What About Retirement Benefits? 9

10 403b and Retirement Savings Plan 403b: You are automatically enrolled at a 3% pre-tax contribution rate after 90 days in an eligible status. If you are a transfer and already participate in the 403b Plan, there will be no change in your contribution rate. You can enroll before 90 days (even immediately) and you can increase your contribution rate up to the maximum IRS limit or you can decrease your contribution rate to less than 3% (even to 0). Med Center Health will match your 403b contributions at 50% up to 6% in the Retirement Savings Plan (RSP). Med Center Health will also make an annual service-based contribution to RSP based on the following schedule: < 5 yrs. = 1% of pay 5 9 yrs. = 2% of pay yrs. = 3% of pay yrs. = 4% 20 or more years 5% of pay 10

11 You are immediately vested in your contributions and you are 100% vested on the Med Center Health contributions after 3 years. When you retire, you may elect to receive the full value of your benefit in either a lump sum or in periodic installments. An information packet from BB&T will be mailed to your home address within 30 days of your automatic enrollment date. This packet will contain your username and password. You use your username and password to manage your account on-line through the BB&T website (known as Plantrac). Change your investment elections Change your contribution percentage You will need to complete and submit a Beneficiary Designation form for both plans. You can obtain the form in Citrix/HR_Payroll/HR Library/Benefit Plans/403b and RSP. More information on the 403b Plan and the Retirement Savings Plan including Beneficiary forms, mandatory notices and Summary Plan Descriptions is found on-line in Citrix or by contacting the Human Resources Department at

12 Leave of Absence What Do I Do If Need a Leave of Absence (LOA) And/Or Need to Use My SWI Benefits? Inform your supervisor Call CIGNA, Med Center Health s Leave Administrator CIGNA will explain the leave of absence process and the actions needed from you and/or your medical provider CIGNA ( ) or ext to request a leave of absence and use of SWI (short term disability) benefits. 12

13 Leave of Absence and SWI Benefits 1. CIGNA will obtain your medical information (medical facts, expected duration, etc.) from your healthcare provider to determine your eligibility, the medical necessity and expected duration of the leave. 2. If approved, CIGNA will communicate SWI/Leave of Absence approval to your Manager and to Human Resources. 3. You can choose to use PTO during the 7 calendar day elimination period or you can choose for this time to be unpaid. (Please note that if you do not have enough PTO hours for the elimination period, this time will be unpaid). 4. Your SWI check will be mailed to you from CIGNA. 13

14 Returning to Work After a LOA When you are ready to return to work, make an appointment with Employee Health on or before your scheduled return to work date and bring your Return to Work statement from your healthcare (with or without medical restrictions or limitations). If you are not able to return to work on your scheduled return to work date, call CIGNA to request an extension for additional leave. 14

15 Med Center Health s benefit plan documents, summary plan descriptions (SPD), plan amendments, Summary of Material Modification (SMM), Summary Annual Reports (SAR), the Medical Plan Summary of Benefit Comparisons (SBC) and other mandatory benefit notifications are maintained and distributed electronically. You can access these documents through the following link (if using a Med Center Health computer) or anytime through Citrix/HR_Payroll/HR Library/Benefit Plan Details. You will be notified through the Med Center Health system (Outlook) of revisions to the Med Center Health benefit plans and when new documents have been posted. You can access the documents anytime through Citrix. These documents contain important information that explain the terms and conditions of your benefit plans, including eligibility, coverage amounts and exclusions. If you want a paper version of these documents, please request one from the Human Resources Department by calling (ext. 1540). There is no additional charge for a paper version. If you have questions, please contact the Human Resources Department by calling Access Through Citrix: Log into Citrix and click on the HR_Payroll icon, then click on HR Library, then click on Benefit Plan Details.

16 Once you have completed this CBL, click the Take Test button to complete the acknowledgement requirements for the Med Center Health Benefit Plans. By taking the test and selecting I Agree you acknowledge your acceptance of the terms and conditions of the Med Center Health Benefit Plans and that your acknowledgement will serve as your electronic signature for purposes of administering the Med Center Health Benefit Plans for you and your dependents. Taking the Test is necessary to complete your benefit plan enrollment. If you, for some reason, do not think that you can select I Agree, please contact the Human Resources Department at (ext. 1540). Your enrollment may be delayed or possibly denied until you complete the Take Test.

17 Questions? For benefits questions and assistance at any time, please contact Human Resources at You can always find up to date and detailed benefit information on-line in Citrix/HR_Payroll/HR Library (OR), calling the Benefits Hotline at or ing 17

18 Thank you for completing the Med Center Health Know Your Benefits Learning Module 18