EMPLOYEE BENEFITS EMPLOYEE BENEFITS 1

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2 2 A RETURN ON YOUR HEALTH At Aspen Valley Hospital, we believe in the importance of the health and wellbeing of our employees and their families. This is one of the reasons why we provide a comprehensive benefits package, including full health and dental benefits, a robust employee wellness program, two flexible spending plans, a life insurance and disability program, and a generous paid time off bank. Our goal with these programs is to help our employees and their families better understand the health and wellness issues that can impact their lives and to promote a healthy lifestyle throughout all stages of life. It is not only good for you and your family, but is also smart for our organization to maintain a healthy workforce. Aspen Valley Hospital strives to provide its employees with a variety of options despite the rising cost of health care and employee benefits. We encourage you to evaluate and elect the benefits offered that best fit your personal needs. This guide highlights the many options available to you. CHANGES FOR 2013 A Return on Your Health update 3% increase to medical premiums and 7% increase to dental premiums Elimination of the AVH 300 plan Physical therapy services deductible is waived when services are received at AVH or one of our owned clinics The annual maximum contribution for the health care flexible spending plan decreased to $2,500 Change to Scholars Choice 529 College Savings Program TABLE OF CONTENTS Introduction & 2013 Changes 2 Eligibility 3 AVH Health Plan 4 AVH Dental Plan 5 A Return on Your Health/Employee Wellness 6 Flexible Spending Accounts 7 AVH Retirement Plans 8 Life & Disability Plans 9 Cigna Additional Benefit Program 9-10 Additional Benefits Important Contact Information 12 2

3 3 Eligibility Eligible employees include full-time employees regularly scheduled to work 32 or more hours per week and half-time employees regularly scheduled to work 24 to 32 hours per week. Benefit Eligibility Medical Prescription drug Dental FSA (health care & dependent care) Life/AD&D Supplemental life/ad&d Survivor life STD LTD Retirement plans All full-time and half-time active employees. Coverage is effective on the first day of the month following date of hire. All full-time and half-time active employees. Coverage is effective on the first day of the month following six months of active service. Cash balance: All full-time and half-time active employees. 457b deferrals: All employees. 401a matching: All full-time and half-time active employees after one year of service. Eligible Dependents Many of the benefit plans also offer coverage for eligible dependents. Eligible dependents include the following: Your legal spouse, common-law spouse (with completed affidavit), or same-sex domestic partner (with completed affidavit). Your children to age 26 (including stepchildren, foster children, legally-adopted children, and children placed with you for adoption), regardless of marital, student, or tax-dependent status (medical, dental, and health care FSA coverage only). This varies for other coverages please see Human Resources for more information. Your dependent children over age 26 who are physically or mentally unable to care for themselves. Qualifying Event You will not be able to enroll or make changes during the year unless you experience a qualifying event. A qualifying event is: Marriage, legal separation, or divorce Birth or adoption of a child Change in employment status for you or your spouse Change in a dependent s benefits eligibility status (e.g., a dependent child exceeding the maximum age for coverage) A significant change in the cost or coverage of your spouse s benefits Change in place of residence causing a loss of eligibility (i.e., moving outside of the service area) Loss of a dependent (death) To change your benefits, notify the Human Resources Department within 31 days of the qualifying event. You will need to provide proof of the change, such as a marriage certificate or record of birth. 3

4 4 Aspen Valley Hospital Health Plan Aspen Valley Hospital offers you and your eligible dependents two comprehensive medical plans from which you can choose. The plans are administered by Regional Care Inc. (RCI). The plans offer a higher level of benefits if services are provided by a participating network provider. You receive the maximum benefit under the plans, and pay a smaller amount out of your pocket, when you seek medical treatment from a network provider. Benefits are summarized below. Benefit Summary Calendar Year Deductible Covered person Family unit AVH 500 AVH 1000 In-Network Out-of-Network* In-Network Out-of-Network* $500 $1,000 $1,000 $2,000 $1,000 $2,000 Calendar Year Out-of-Pocket Maximum Includes deductible Includes deductible Covered person Family unit $3,500 $7,000 $7,500 $15,000 $5,000 $10,000 Physician Services Inpatient & outpatient visits Office visit $25 copay $30 copay Routine well care (includes office visits, $25 copay Not covered $30 copay x-ray and lab exam, and tests or screenings) $2,000 $4,000 $10,000 $20,000 Not covered Hospital Services Inpatient Outpatient Emergency room Urgent care Diagnostic Lab & X-ray Physical Therapy AVH (incl. hospitalowned clinics): 70%, no ded. AVH (incl. hospitalowned clinics): 70%, no ded. Cofinity Providers: Cofinity Providers: All physical therapy claims must be pre-certified with RCI. Occupational & Speech Therapy Chiropractic & Acupuncture (10 visits each/calendar year) 70% 70% Prescribed Massage Therapy ($600 calendar year maximum) Massage therapy will only be covered if prescribed by a physician and/or chiropractor for a specific illness. Retail Prescriptions (30-day supply) Generic Formulary Brand Non-Formulary Brand Mail Order (90-day supply) Generic Formulary Brand Non-Formulary Brand Vision $1,000 calendar year out-of-pocket maximum $15 copay 30%, $100 per script maximum 50%; $200 per script maximum $15 copay 30%; $100 per script maximum 50%; $200 per script maximum 100%; $100 calendar year maximum (includes exam, glasses, and contacts) Hearing Exam Not covered Not covered Annual Maximum Benefit $2,000,000 Lifetime Maximum Benefit Unlimited *Valley View Hospital is considered an out-of-network provider under our plans. Mandatory Generic Prescription Drug Program A penalty will apply if a member requests a brand medication when there is a generic equivalent available. The penalty will be the cost difference between the actual cost of the brand and generic medication. There will be no penalty if the doctor specifically recommends the brand choice when a generic equivalent is available. In these situations, the prescribing doctor will need to write dispense as written or DAW on the prescription. Nurse Advice Line Aspen Valley Hospital offers a nurse advice line to all employees at no additional cost through Cooperative Health Services, Inc. Members enjoy access 24 hours a day, seven days a week to multilingual registered nurses with no less than 10 years of clinical experience. Registered nurses advise members on the most appropriate method of care for their medical problems. Call the nurse line at (877) or access the CHS audio health information library at 4

5 5 Aspen Valley Hospital Dental Plan The Aspen Valley Hospital dental plan is administered by Regional Care Inc. (RCI). Under this plan, you have the flexibility to see any dentist of your choice as there is no network of dentists to choose from. You will be reimbursed 90% of the expense that RCI sets as reasonable and customary for the procedure. If the provider charges more than the amount RCI sets as reasonable and customary, you will be responsible for that amount. AVH Dental Plan Annual Deductible Individual/family $50/$150 Preventive Care 100% Basic Services 80% after deductible Major Services 50% after deductible Annual Maximum Benefit $2,000 per covered person Orthodontia (child to age 19 only) Lifetime Maximum 50% $1,000 Medical Contributions Monthly contributions effective January 1, 2013, will be as follows: Full-Time Employee Contributions Preferred (engaged in wellness program)* Coverage level AVH 500 AVH 1000 AVH 500 AVH 1000 Single only $ $21.65 $ $46.65 Two party $ $ $ $ Family $ $ $ $ Half-Time Employee Contributions Preferred (engaged in wellness program)* Dental Contributions Monthly contributions effective January 1, 2013, will be as follows: Non-Preferred (not engaged in wellness program)* Non-Preferred (not engaged in wellness program)* Coverage Level AVH 500 AVH 1000 AVH 500 AVH 1000 Single only $ $ $ $ Two party $ $ $ $ Family $ $ $ $ Coverage Level Preferred (engaged in wellness program)* Full-Time Non-Preferred (not engaged in wellness program)* Preferred (engaged in wellness program)* Half-Time Non-Preferred (not engaged in wellness program)* Single only $11.72 $16.72 $19.85 $24.85 Two party/family $54.00 $64.00 $60.56 $70.56 *Must participate in the A Return On Your Health wellness program to receive preferred rates. This program is explained in further detail beginning on the next page of this guide. You can also see Human Resources for further details. 5

6 6 A RETURN ON YOUR HEALTH WELLNESS PROGRAM OVERVIEW The new and restructured Aspen Valley Hospital A Return On Your Health wellness program began on October 22, To be eligible for AVH health plan preferred premiums, you must complete the following activities by the dates below: 1. Register online for A Return on Your Health at 2. Attend one of the AVH employee health screenings by November 14, Complete the online PWP questionnaire by December 21, Once you do these three activities, you can continue to track your quarterly points beginning on January 1, Employees who become eligible for benefits after January 1, 2013 should meet with the Employee Wellness Coordinator to discuss options for participation in the program for the remainder of the 2013 plan year. What is A Return On Your Health? AVH s wellness program, powered by SimplyWell, is a points-based program that provides participants with tools to enhance their own personal health. As a participant, you will log your information and participation, and SimplyWell will keep track of it. To ensure you have access to past health data, we have worked with Healthbreak to migrate the last two years of lab data for all participants into the new SimplyWell portal. Below is an overview of the program components and resources available at no cost to full-time and half-time employees on the health plan: Online sign-up and registration system Confidential health record to track your medical history Online health questionnaire with comprehensive report Onsite health screening Lab work: Chem 13, CBC and lipid panel Height, weight, body mass index, and waist girth Blood pressure Personalized My Home For Health dashboard that prioritizes your health risks Health screening history with personal Health Score feature Daily health news offered by verified sources Robust healthy living resources, health trackers, and other tools Online health and disease management guides Extensive library of educational health modules Monthly electronic newsletter Online tracking of points and the opportunity to earn rewards Note: The SimplyWell program is in full compliance with all federal and state privacy laws, including HIPAA. Data is stored on one of the nation s secure data storage sites. All personal health information (PHI) is stored in individual tables to ensure records are secure and the data is only synthesized when username and password are input. No data is stored on the internet. 6

7 7 Flexible Spending Accounts Health Care FSA The health care FSA allows you to set aside money from your paycheck before income taxes are withheld to pay for eligible expenses such as deductibles, copayments, and other health-related expenses that are not reimbursed by insurance. Regional Care Inc., the FSA administrator, will issue you a debit card, which you can use at the point of service. Additionally, you can submit claims for reimbursement by completing a claim form and submitting it along with an explanation of benefits (EOB) or an itemized receipt from the provider. How to submit claims: Fax: (308) rci-flex@regionalcare.com Mail: Regional Care Inc. 905 W. 27th Street Scottsbluff, NE Online: Remember, over-the-counter (OTC) medications are not eligible for reimbursement without a prescription. Due to health reform, the health care FSA maximum contribution is limited to $2,500 for the 2013 plan year. Health Care FSA Grace Period AVH has elected the IRS grace period, which allows members an additional 2½ months (until March 15 of the following year) to incur claims. You will have until March 31 to submit your claims for reimbursement. Dependent Care FSA The dependent care FSA allows you to set aside money from your paycheck on a pre-tax basis for day care expenses to allow you and your spouse to work or attend school full time. Eligible dependents are children under 13, a spouse, elderly parent, or a child over 13 residing in your home who is physically or mentally unable to care for himself or herself. Below are examples of eligible expenses: Day care facility fees Before- and after-school care You may contribute up to $5,000 to the dependent care FSA for 2013 if you are married and file a joint return or if you file a single or head of household return. If you are married and file separate returns, you can each elect $2,500 for the 2013 plan year. You and your spouse must be employed or your spouse must be a full-time student to be eligible to participate in the dependent care FSA. In-home babysitting fees (income must be reported by your care provider) An Example of Pre-Tax Savings With FSA account Without FSA account Annual Salary $25,000 $25,000 Health Care FSA Contribution $ 2,000 $0 Dependent Care FSA Contribution $ 5,000 $0 Taxable Salary $18,000 $25,000 Federal Taxes (15%) $ 2,700 $ 3,750 State Taxes (5%) $ 900 $ 1,250 FICA Taxes (7.65%) $ 1,377 $ 1,913 Salary After Taxes $13,023 $18,087 Plan Reimbursement $ 7,000 $0 Net Take Home Pay $20,023 $18,087 Tax Savings $ 1,936 $0 You must re-enroll in the FSA each year if you wish to participate! 7

8 8 About Your Retirement Plan Aspen Valley Hospital offers a defined contribution plan and a cash balance pension plan. Defined Contribution Retirement Plan 401(a) Employer Matching Contributions Account Number (b) Employee Contributions Account Number Upon hire, employees may start contributing their own monies to the 457b plan. After one year of service and 1,000 hours worked in the plan year, Aspen Valley Hospital will match 50% of the employee contribution up to 2.5% of earnings on a per pay-period basis. During 2013, employees under age 50 may contribute up to $17,500 via pre-tax deductions; employees age 50+ may elect to have an additional $5,500 withheld due to catch-up provisions in the law. Funds in both accounts are 100% vested from the day of the deposit. Cash Balance Plan (your plan in lieu of social security) Account Number Aspen Valley Hospital contributes 7.5% of salary to full-time and half-time employees who have worked 1,000 hours during the plan year (January 1 through December 31). The vesting schedule is 100% after three years of vesting service. Social Security Deduction: FICA is not deducted from full-time and half-time employees who work 1,000 or more hours per year. Aspen Valley Hospital contributes to the cash balance retirement plan in lieu of social security. Retirement Plan Administrator/Contact Information Plan administrator name: Principal Financial Group Customer service number: (800) Hours: 7:00 a.m. to 9:00 p.m. CST, Monday-Friday Website address: Vesting Service (Whole Years) Vesting Percentage Less than three years 0% Three or more years 100% How to Enroll Once you create your user ID and password, you can manage your account regarding contributions, investments, plan information statements, rollover options, and much more. You can also enjoy free monthly financial tips, add your account information to your personal igoogle page, and access your balances on your mobile device. Benefits of the Retirement Plans Aspen Valley Hospital is committed to offer education tools such as one-on-one meetings, workshops, and financial sessions hosted by Principal Financial representatives and Moreton Retirement Partners. Please contact Human Resources for additional information or questions. 8

9 9 Basic Life and Accidental Death and Dismemberment (AD&D) Cigna After six months of employment, all eligible full-time and half-time employees will receive life and AD&D insurance coverage in the amount of two times their annual compensation at no additional cost. Supplemental Life Cigna Employee: You may elect coverage in increments of $10,000 up to a maximum of $500,000 for yourself. Spouse: You may elect coverage in increments of $5,000 up to a maximum of $500,000 for your spouse. Dependent: You may elect coverage in increments of $2,000 up to a maximum of $10,000 for your child(ren). Children 14 days to 6 months old are eligible for $500. Evidence of insurability (EOI) is not required for child(ren) coverage. If you did not elect coverage for you or your spouse when first eligible and you wish to elect coverage now, evidence of insurability (EOI) will be required. Coverage will not take effect until approved by Cigna. Guarantee Issue Amounts Coverage elected for yourself up to $100,000, or your spouse up to $30,000, will be available without any evidence of insurability if you enroll within 31 days of becoming eligible. Important: In order to elect coverage for your spouse or dependent child(ren), you must purchase at least the minimum amount ($10,000) of supplemental coverage for yourself. Supplemental AD&D Cigna You may elect supplemental AD&D insurance for yourself and family members in increments of $25,000 to a maximum of $500,000 for yourself, $250,000 for your spouse, and $10,000 for your child(ren). EOI is not required for any election of AD&D insurance. Survivor Life Benefits Cigna After six months of employment, Aspen Valley Hospital provides survivor life insurance benefits. Upon death of an employee, survivor life pays 30% of the employee s monthly pay to the surviving spouse and to eligible child(ren) with an overall family limit of $6,667 per month. Disability Insurance Aspen Valley Hospital provides short-term and long-term disability coverage to eligible employees at no cost to you after six months of employment: Short-term disability Aspen Valley Hospital: This policy may pay up to 50% of your average earnings for disability, once the extended illness bank (EIB) has been exhausted, for up to 90 days of lost time. Long-term disability Cigna: This policy may pay up to 60% of your average earnings after 90 days of total disability up to age 65 (limitations apply if your disability begins after the age of 60). Extended Illness Bank (EIB) EIB is paid time for a personal disability or that of an immediate family member. Full-time, half-time, and part-time employees accrue EIB based on hours worked. An employee who works 40 hours per week will accrue six days per year. Hours may be used after six months of employment. Each illness will be subject to 24 hours of lost work time before accessing EIB. Unused EIB rolls over from year to year to a maximum of 520 hours. Cigna Additional Benefit Programs Cigna Identity Theft This program provides identity theft resolution services, which include access to personal case managers who work with you to resolve identity theft issues. This program is available to all employees enrolled in any of the Cigna plans offered. Support is available 24 hours a day, seven days a week, and includes all types of identity theft. Contact information for this benefit can be found on the back page of this guide. Cigna Will Prep This program is available to employees enrolled in the employer-paid life and AD&D coverage for no additional cost. It provides employees with proactive tools for planning and protecting their family s financial future. This program provides eligible employees with access to a self-service website to assist with creating a lasting will and testament, living will, and power of attorney. In addition, employees can receive information on estate planning, identity theft, and life insurance calculators. Access this program at 9

10 10 Cigna Additional Benefits (continued) Cigna Healthy Rewards This discount program is available to eligible employees enrolled in the employer-paid life and AD&D coverage for no additional cost. This program can offer up to 60% off of certain health products and services. The following Healthy Rewards programs are available to eligible employees and their family members: Weight management and nutrition Dental care Vision and hearing care Alternative medicine You can choose from a wide network of conveniently located participating providers by visiting (password: savings) or by calling (800) Talk to a Cigna representative to learn more. Cigna Secure Travel Cigna offers a secure travel service benefit free of charge to employees enrolled in the basic AD&D benefit (paid for by AVH), and to employees and their family members if enrolled in the supplemental AD&D family coverage. This service is available 24 hours a day, 365 days a year when traveling domestically or internationally more than 100 miles away from home (on company business or vacation). Here s a look at the services available to you through Cigna secure travel: Emergency medical evacuation assistance 24-hour multilingual assistance Pre-trip planning services, including For more information, refer to the Cigna secure travel brochure located in the Aspen Valley Hospital Human Resources department. Please also see the contact information for this benefit located on the back page of this guide. Cigna Life Assistance This service is available to help you and your household members lead a healthier, happier life by offering support and information regarding issues faced in daily life. It is available to those eligible for long-term disability coverage (paid for by AVH) through Cigna at no additional charge. Master s-level staff can provide a confidential, comprehensive assessment of your concerns and can recommend related services. This program includes 24 hour phone and crisis intervention access. In addition, it includes referrals for up to three free, face-to-face counseling visits for behavioral issues. Please see the Cigna life assistance program brochure located in the Aspen Valley Hospital Human Resources department for more information. Contact information for this benefit can also be found on the back page of this guide. Aspen Valley Hospital Additional Benefits Mind and body Fitness Vitamins, health, and wellness products Paid Time Off (PTO) Full-time, half-time, and part-time employees accrue PTO hours based on hours worked. PTO hours may be used after three months of employment for holidays off, vacation, and the initial period of personal disability. Staff Level of Service Accrual Rate Max/Pay Period Max Hours/Year Max Days/Year Max Accrual Hours in Bank 90 days end of year years end of year years end of year Year 11 forward Holiday Pay Aspen Valley Hospital pays time and one-half for the following holidays that an employee is required to work: New Year s Eve (after 5 p.m.) New Year s Day Memorial Day foreign travel assistance Medical referrals Prescription refill services Assistance with lost or stolen items Independence Day Labor Day Thanksgiving Day Translation and interpretation services Emergency travel services Transportation of remains Christmas Eve (after 5 p.m.) Christmas Day Recreation Pass Payroll Advance Employees may elect a payroll advance for recreational passes for the following ski areas and golf courses: Aspen Municipal Golf Course Aspen Mountains (SkiCo) Sunlight Mountain 10

11 11 Aspen Valley Hospital Additional Benefits (continued) Alternative Transportation Incentives Discounted RFTA bus passes are available in two different forms from Human Resources: Bus passes $15 for a $40 pass. Seasonal RFTA passes can be purchased and paid for over ten pay periods with a 50% discount applied; amount depends on pass selected. Vanpool: Free vanpool available. Please contact Human Resources if interested. Carpool Stipend: A stipend of $2 per person, each way, is paid to employees who carpool more than five miles each way with other AVH employees to and from the hospital. Grand Junction Federal Credit Union Conveniently located adjacent to the hospital: Employees have access to free checking accounts, savings accounts, personal loans, and mortgages. Please see Human Resources for more details. Tuition Assistance Program (TAP) The TAP provides financial aid to employees for engaging in formal education opportunities that result in a degree related to job improvement, job advancement, or a career change at AVH. An employee can apply for TAP benefits after one year of employment. In return for tuition assistance, the employee agrees to a minimum of one year of service with AVH after completion of the program. Pet Care Insurance Aspen Valley Hospital offers a voluntary pet insurance benefit. All employees receive a 10% discount off pet insurance plans through Pet Care Insurance. To enroll in one of the pet insurance products, go online to or call (866) Reference the discount code BR for your discount. Aflac Supplemental Policies These policies pay cash to the insured. All policies pay benefits regardless of any other plans you may have (i.e. medical insurance). Contact Ken Lum at (970) for more details or to enroll. Cancer protection plan Personal accident indemnity plan Supplemental life insurance Vision plus insurance Scholars College 529 College Savings Plan *New plan this year!* Scholars Choice can help your family save for college, graduate school, or vocational school. Investing with Scholars Choice provides a number of advantages including: Professional money management Favorable tax treatment Significant flexibility Employee Assistance Program (EAP) An EAP is a resource to help employees work through both personal and work issues. Please contact the Human Resources department if you have questions. The benefit, available to full-time, half-time, and part-time employees, provides the following: Three confidential counseling sessions to assist with various life issues such as relationship problems, coping with change, grief, anger management, alcohol or drug dependencies, depression, and work stress. A legal assist consultation and an in-person referred attorney discount. A financial assist information line: Simple questions are answered immediately by qualified financial counselors. A telephone consultation with a specialist to learn how to prevent and/or recover identity theft. For more information, go to The username is AVH and the password is AVH. 11

12 12 Available Resources Benefit Provider Websites and Toll-Free Numbers Each carrier website contains valuable information regarding the benefit plan and an up-to-date list of participating providers. Listed below is a toll-free number for each carrier in case you have specific questions regarding your benefit coverage. Plan Phone Number Website Medical & Dental RCI (800) Life/AD&D & LTD Cigna (800) Flexible Spending Accounts RCI (800) Secure Travel Service Cigna U.S. & Canada: (888) Call collect from other locations: (202) cigna@worldwideassistance.com *Please indicate you are a member of Cigna Secure Travel (policy #OK961374; group #57) Life Assistance Program Cigna (800) Identity Theft Program Cigna U.S. & Canada: (888) Call collect from other locations: (202) cigna@europassistance.com *Please indicate you are a member of the Cigna Identity Theft Program (policy # OK ; group # 57) Supplemental Policies Aflac (970) Nurse Line Cooperative Health Services, Inc. (877) Retirement Plans Principal Financial Group (800) Savings Plan Scholars Choice Devlin Financial Services (Contact: Mark Devlin) (970) mark@devlinfinancial.net Additionally, if you have questions regarding benefits, a member of your Human Resources team is available to assist you. You may reach Alicia Miller in Human Resources by calling (970) or sending an to amiller@aspenhospital.org. This benefit guide is published for employees of Aspen Valley Hospital, and is only a highlight of our benefits. Official plan and insurance documents actually govern your rights and benefits under each plan. If any discrepancy exists between this benefit guide and any of the official documents, the official documents will prevail. Produced by Lockton Companies, LLC 8110 E. Union Avenue, Suite 700 Denver, CO Images in this document 2012 Thinkstock 12