2018 Employee Benefits Summary. The following is a summary of the benefits available to employees of Blue Cross and Blue Shield of Kansas.

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1 2018 Employee Benefits Summary The following is a summary of the benefits available to employees of Blue Cross and Blue Shield of Kansas.

2 Welcome TO Employee Benefits BLUE CROSS AND BLUE SHIELD OF KANSAS The benefits discussed in this summary are available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. Part time employees who work less than 17.5 hours per week may participate in employee benefits as noted throughout. Temporary employees who are scheduled to work 30 or more hours per week and a minimum of 60 days are eligible to participate in the medical and dental benefit only. Table of Contents Financial Benefits 401K 1 Flexible Spending Accounts (FSA) 1 Insurance Benefits Medical/Dental Insurance (Blue Choice) 2 Vision Insurance 2 Basic Term Life Insurance with Accidental Death & Dismemberment (AD&D) 2 Optional Term Life Insurance 3 Dependent Life Insurance 3 Voluntary Accidental Death and Dismemberment (Voluntary AD&D) 3 Secure 300 Cancer Plan (Secure 300) 4 Secure Hospital Indemnity Plan (S-HIP) 4 Business Travel Accident Insurance 4 Time Away From Work Holidays 5 Floating Holiday(s) 5 Paid Time Off for Hourly Employees 6 Vacation for Salaried Employees 6 Sick Leave 7 Short Term Disability (STD) 7 Long Term Disability (LTD) 7 Family Medical Leave Act (FMLA) 7 Funeral Leave 7 We Can Help Employee Assistance Program 8 Adoption Assistance 8 Tuition Reimbursement 8 Training and Development 8 Health, Wellness and Safety Services 8 Club Blue 9 Cafeteria 9 Credit Union 9 Benefit Eligibility by Employment Category 9

3 Financial Benefits 401(k) A Tax Favored Savings Program (401(k)) is available to assist in saving for retirement. The plan allows employees to contribute a percentage of their earnings from each paycheck. All regular part-time and full-time employees are eligible to contribute to their 401(k) upon hire. Payroll deductions can begin as early as first paycheck or otherwise as soon as administratively feasible. Employees may contribute up to 75% of salary with a 100% company match on up to 5% of eligible earnings. A participant becomes vested in the plan after 2 years of eligible service. Flexible Spending Accounts (FSA) There are two types of FSAs available; medical and dependent care. A medical spending account is a pre-tax savings account setup to reimburse for medical services, and expenses that are not covered by traditional insurance, i.e. office/prescription drug co-pays, dental services, etc. All regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week are eligible for the medical FSA following one year of eligible BCBSKS service. A dependent care spending account is a pre-tax savings account that reimburses for daycare/babysitting expenses. All regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week are eligible for the dependent care FSA following 30 days of eligible BCBSKS service. 1

4 Insurance Benefits Medical/Dental Insurance (Blue Choice) Medical/dental insurance pays for eligible medical, prescription drug and dental services. The benefit is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week and temporary employees scheduled to work 30 or more hours per week and a minimum of 60 days. Employees are eligible the first day of the month following 30 days of eligible BCBSKS service. BCBSKS pays a portion of the premium. Monthly Tier Employee Medical/Rx Total Medical/Rx Employee Dental Total Dental Employee Only $ $ $11.80 $47.19 Employee/Child(ren) $ $1, $24.39 $97.57 Employee/Spouse $ $1, $25.32 $ Employee/Spouse/Child(ren) $ $1, $30.26 $ Vision Insurance * Employees scheduled to work less than 30 hours per week will have prorated premium. Vision insurance pays for eligible eye health services and eyewear needs. The benefit is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. Employees are eligible the first day of the month following 30 days of eligible BCBSKS service. This benefit is an employee paid benefit. Tier Monthly Employee Only $7.70 Employee/Spouse $15.40 Employee/Child(ren) $18.12 Employee/Spouse/Child(ren) $23.88 Basic Term Life Insurance with Accidental Death & Dismemberment (AD&D) BCBSKS provides basic term life insurance with AD&D in the amount of two times an employee s annual salary. This benefit is provided to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. Coverage is effective the first day of the month following 90 days of eligible BCBSKS service. This benefit is employer paid. 2

5 Optional Term Life Insurance Additional term life insurance with AD&D may be purchased in two pre-set amounts. It is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. Employees may apply for this benefit at any time, however no medical questions or application fees will apply at first enrollment opportunity (i.e. hire date). Employees are eligible the first day of the month following 90 days of eligible BCBSKS service. This is an employee paid benefit. Coverage Amount Monthly $40,000 $10.80 $80,000 $21.60 Dependent Life Insurance Life insurance is available for eligible family members (spouse and dependents). It is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. Employees may apply for this benefit at any time, however no medical questions or application fees will apply at first enrollment opportunity (i.e. hire date). Employees are eligible the first day of the month following 90 days of eligible BCBSKS service. This is an employee paid benefit. Monthly Coverage Amount Option I Spouse Only $1.27 $4,000 Option I Child(ren) Only $0.88 $2,000* Option II Spouse Only $3.19 $10,000 Option II Child(ren) Only $2.21 $5,000* Option III Spouse Only $6.37 $20,000 Option III Child(ren) Only $4.43 $10,000* * Unmarried dependent child(ren) 6 months to 23 years of age. Dependent child(ren) under 6 months of age (see life certificate). Voluntary Accidental Death and Dismemberment (Voluntary AD&D) Voluntary AD&D coverage offers extra protection against unexpected costs associated with accidents. AD&D is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. Employees are eligible the first day of the month following 90 days of eligible BCBSKS service. This is an employee paid benefit. Option Monthly (per $1,000 coverage) Employee Only $.04 Family $.065 3

6 Insurance Benefits continued Secure 300 Cancer Plan (Secure 300) Secure 300 is a cash benefit paid directly to a person for expenses not covered by traditional insurance. It is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. This is an employee paid benefit. Tier Monthly Employee (under 65) $5.57 Employee (over 65) $8.82 Employee/Child(ren) $8.22 Employee/Spouse $9.27 Employee/Spouse/Child(ren) $13.14 Secure Hospital Indemnity Plan (S-HIP) S-HIP pays a cash benefit beginning the first day of a covered hospitalization. It is available to all regular part-time and fulltime employees scheduled to work a minimum of 17.5 hours per week. This is an employee paid benefit. Age Employee Employee/ Child(ren) 4 Employee/ Spouse Employee/ Spouse/Child(ren) Under 30 $3.23 $5.41 $5.88 $ to 34 $3.86 $6.17 $7.14 $ to 39 $3.93 $6.27 $7.30 $ to 44 $4.33 $6.44 $8.48 $ to 49 $4.55 $6.71 $8.94 $ to 54 $5.27 $7.25 $10.85 $ to 59 $7.25 $9.78 $15.17 $ to 64 $8.12 $11.01 $17.07 $ and over $19.00 N/A N/A N/A Business Travel Accident Insurance Monthly Business travel accident insurance is provided to employees of BCBSKS while traveling during the course of their employment. This benefit is provided to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. This benefit is employer paid.

7 9 Time Away from Work Holidays Annually, there are eight holidays paid to all regular part-time and full-time employees. An employee is eligible their first day of employment with BCBSKS. * Employees scheduled to work less than 40 hours per week will receive a prorated benefit. New Years Day Memorial Day Independence Day Labor Day Thanksgiving Day Day after Thanksgiving Christmas (2 days) Floating Holiday(s) Employees of BCBSKS are provided floating holidays based on their eligible BCBSKS service. Employees must complete 90 days of service with BCBSKS before being eligible for this benefit. Years of Service Floating Holiday Amount 90 days to 9 years 1 day 10 to 19 years 2 days 20 to 29 years 3 days 30 years and over 4 days * Employees scheduled to work less than 40 hours per week will receive a prorated benefit. 5

8 Time Away From Work continued Paid Time Off (PTO) for Hourly Employees PTO is the bank of hours from which each regular part-time and full-time hourly employee is paid for time they are absent from work. PTO is based on years of service with BCBSKS. Total Years of Service Less than 1 year Maximum Annual Accrual 143 hours 1 year 151 hours 2 years 159 hours 3 years 167 hours 4 years 175 hours 5 to 14 years 182 hours 15 to 24 years 221 hours 25 years and over 260 hours * Employees scheduled to work less than 40 hours per week will receive a prorated benefit. Vacation for Salaried Employees Vacation time is available to regular part-time and full-time salaried employees to be paid for time they are absent from work. Vacation is based on years of service with BCBSKS. Eligible Years of Service Less than 1 year Maximum Annual Accrual 2 weeks 1 year 2 weeks + 1 day 2 years 2 weeks + 2 days 3 years 2 weeks + 3 days 4 years 2 weeks + 4 days 5 to 14 years 3 weeks 15 to 24 years 4 weeks 25 years and over 5 weeks * Employees scheduled to work less than 40 hours per week will receive a prorated benefit. 6

9 Sick Leave The sick leave for hourly employees is included in the PTO bank. Sick leave for salaried employees is a separate benefit. Short Term Disability (STD) The STD plan provides salary continuation during an approved short-term medical absence. This benefit is provided to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week with one year of eligible BCBSKS service. This benefit is 60 percent of an employee s salary and is employer paid. Long Term Disability (LTD) The LTD plan provides income during an extended disability. The benefit is 60 percent income replacement and the duration of benefit is based on the employee s age and years of service with BCBSKS at the time of disability. This benefit is provided to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week with one year of eligible BCBSKS service. This benefit is employer paid. Family Medical Leave Act (FMLA) FMLA is available to all employees with a minimum of 1,250 hours worked at BCBSKS in the 12 consecutives months prior to the leave. It offers up to 12 weeks unpaid leave in a 12 month period for birth, adoption, or placement of foster child, sick employee, child, parent, spouse, military care giver and exigency. Funeral Leave There are up to five days of funeral leave available for an employee for immediate family members and one day of funeral leave available for other family members. All regular part-time and full-time employees are eligible following their first day of employment with BCBSKS. 7

10 We Can Help Employee Assistance Program (EAP) The EAP provides face-to-face and telephone counseling sessions on a variety of topics i.e. emotional problems, financial issues, legal needs, or substance abuse. All regular part-time and full-time employees and immediate family members are eligible for this benefit. This benefit is employer paid. Adoption Assistance Adoption assistance is available to assist employees with eligible expenses related to the adoption of a child(ren). This benefit is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week with one year of eligible BCBSKS service. Tuition Reimbursement Tuition reimbursement is available to help employees maintain current, up-to-date knowledge and skills for the jobs they perform at BCBSKS. It is available to all regular part-time and full-time employees with one year of eligible BCBSKS service. Reimbursement Maximum Full-time Part-time $3,500 annually $1,750 annually Training and Development There are a variety of classes provided on-site. All regular part-time and full-time employees are eligible with management approval. College credit hours may be earned for courses taken through Blue University thanks to a partnership between Blue University and Baker University. Health, Wellness and Safety Services The corporate health services (CHS) department operates to assure a safe and healthful workplace. CHS is located at the Topeka campus. All regular part-time and full-time employees are eligible for CHS services such as Club Blue (fitness center) memberships, annual flu shots and cholesterol screenings. 8

11 Club Blue BCBSKS emphasizes employee health and wellness. For $15/month, employees can enjoy 24/7 use of the onsite fitness facility. This fee includes before work, lunchtime and after work group fitness classes as well as personal training sessions. Shower facilities and lockers are also available at no additional cost. Cafeteria Blue s Cafe offers a wide variety of healthy and hearty food and beverage options to keep you energized throughout your work day. We strive to provide quality food and convenience with tailored hours for break and lunch times while offering superb customer service, all at a great value to you. Credit Union A full-service credit union is located in Topeka. This provides convenient banking services for all regular part-time and full-time employees as well as their spouse, children, and grandchildren. Credit Union services are partially funded by BCBSKS. Benefit Eligibility by Employment Category The above information is a very general overview and does not provide specific eligibility criteria. Each employee s scheduled hours, length of service, vested service, age, hours worked in eligibility period, and more determine an employee s eligibility for each benefit within each employment category. See the applicable summary program description, insurance policy or contract, or certificate for specific eligibility and benefit information. The basis of any future or continued benefit(s) eligibility or contribution may be modified or terminated for active and/or former employees and/or their dependents. 9

12 An independent licensee of the Blue Cross Blue Shield Association.