Wilmington Health Advanced Prac ce Clinician

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1 2018 Benefits Digest Wilmington Health Advanced Prac ce Clinician

2 WELCOME We are pleased to provide you with the 2018 Benefits Digest booklet. This guide is intended to provide a summary of the benefit programs available to all benefit eligible employees. It is only an overview and you must review specific plan brochures and plan documents for full program details, limita ons and exclusions. At Wilmington Health, we are confident that our people are the reason behind our successes. We truly value you as an employee and part of our professional family. Our goal is to offer the very best healthcare possible to you and your loved ones. With this in mind, we have developed a comprehensive employee benefit package designed to protect you and your family. This brochure provides benefit informa on available January 1, 2018 through December 31, A er January 1, 2018, please make sure that you visit our benefits web page at for a complete summary of our benefit package. You will also find links to our insurance carriers, enrollment and claim forms, as well as links to other resources. Our user name is wilmhealth and is our password. If you have comments, ques ons or other inquiries, please contact Human Resources. TABLE OF CONTENTS General Informa on Medical Plan Health Savings Account..5 Dental Plan Vision Plan Life and Disability Plan Flexible Spending Account Addi onal Benefits Pre Tax Premium Plan Wilmington Health s Pre Tax Premium Plan applies to any employee enrolled in the medical plan, dental plan, vision plan and/or FSA. This means that the employee s premiums/contribu ons will be deducted from pay pretax, saving the employee tax dollars. This process reduces and employee s social security income benefits & their net a er tax income will increase. Employees may only change over or evoke the above benefits only when any of the qualifying events (changes in family status events) described below occur & only when the change is effec ve within 30 days of the event. Otherwise, the only me a pretax benefit may be changed or evoked is during Wilmington Health s Annual Open Enrollment, for an effec ve date of the following January 1st. Qualifying events include: Marriage, Divorce Birth or Adop on Change in numbers worked Any significant change in other coverage Death of Spouse/Dependent 2 Termina on of Employment Loss of other coverage Termina on of the plan

Dependent Age Limits Age 26 for all benefits, except Voluntary Life: Benefit is

3 GENERAL INFORMATION Employee Eligibility All employees working 30 hours or more per week are eligible for benefits. Dependent Age Limits Age 26 for all benefits, except Voluntary Life: Benefit is to Age 23/25 FT Student Benefits Begin: 1 st of the month following 60 days of hire Benefits Terminate: End of the month 3

4 MEDICAL PLAN BLUE CROSS BLUE SHIELD OF NC (BCBSNC) Your medical coverage through Blue Cross Blue Shield of NC is an open access PPO plan, which means that you do not need to select a primary care doctor, nor will you need a referral to visit a specialist. As long as you remain in the network, your benefits will be covered at the higher in network benefit amount. IN NETWORK BENEFITS HDHP W/ HSA PPO Annual Deduc ble Single Family Out of Pocket Maximum Single Family Office Visit Prescrip on Drugs (Retail/Mail order) Tier 1 Tier 2 Tier 3 $2,700 $5,400 $2,700 $5, % a er deduc ble Virtual Visit: Up to $45 Fee 100% a er deduc ble Wilmington Health: $800/$2,400 All Other: $1,000/$3,000 $4,000 $12,000 Wilmington Health Providers: $20/$40 Copay All Others: $50/$60 Copay Virtual Visit: $50 Copay $10 / 2.5 X Copay $35 / 2.5 X Copay $60 / 2.5 X Copay Emergency Room 100% a er deduc ble $150 Copay Urgent Care 100% a er deduc ble Wilmington Health: $20 Copay All Other: $50 Copay Inpa ent Care 100% a er deduc ble 80% a er deduc ble Outpa ent Care 100% a er deduc ble 80% a er deduc ble Rou ne Vision Exam 100% (every benefit period) 100% (every benefit period) Rou ne Vision Exam 100% (every benefit period) 100% (every benefit period) Spouses are not allowed on the medical plan if they have access to other group level health coverage. Please see HR for more details. HDHP for Family coverage, the Family Deduc ble must be met, by any one or combina on of family members, before benefits will be paid for any individual member. There is no Individual Deduc ble to sa sfy within Family Deduc ble. Preven ve Care is covered at 100% with a preven ve primary diagnosis code. The service must be a covered preven ve care benefit under healthcare reform. Certain over the counter preven ve medica ons for which you have a prescrip on are now available at no cost. During your annual physical if anything is discussed or performed outside of the healthcare reform approved screenings, your visit may not be covered at 100%. For a list of covered preven ve benefits under healthcare reform please visit ve 4

HEALTH SAVINGS ACCOUNT HEALT EQUITY 1 866 467 5800 WWW.HEALTHEQUITY.COM If you par cipate in the High Deduc ble Health Plan (HDHP), you are eligible to open or maintain a Health Savings Account (HSA).

5 HEALTH SAVINGS ACCOUNT HEALT EQUITY If you par cipate in the High Deduc ble Health Plan (HDHP), you are eligible to open or maintain a Health Savings Account (HSA). The HSA is a personal savings account for health expenses, much like an IRA is used to save for re rement. Employees may make pre tax contribu ons to their HSA that can then be used to pay for eligible medical, dental or vision expenses. Items to consider: In 2018 par cipants can choose to save up to $3,450 for an individual and $6,850 for a family Eligible contribu ons are not taxable Funds roll over from year to year The account is yours and is portable should you leave You are not eligible to contribute to an HSA if you are on Medicare or covered under your spouse s non HDHP or if you par cipate in the FSA HSA funds may be used for any medical eligible expense noted in Sec on 502 of the IRS Code. Examples of eligible expenses include, but are not limited to, dental treatment, correc ve vision surgery, hearing aids, etc.. 5

6 DENTAL PLAN GUARDIAN Your dental plan is provided by Guardian. LEVEL OF COVERAGE IN NETWORK OUT OF NETWORK Annual Deduc ble Individual Family Benefit Maximum Rollover Maximum $50 $150 $1,000 + Maximum Rollover $250 up to $1,000 max Preven ve Care 100% Basic Care 100% a er deduc ble 80% a er deduc ble Major Care 60% a er deduc ble 50% a er deduc ble Orthodon a Care (child only) 50% Orthodon a Life me Maximum $1,000 Timely entrants will not be subject to benefit wai ng period. You will be considered a mely entrant if you enroll when first eligible, upon a qualifying event or during open enrollment. If you do not enroll at these mes, you will be considered a late entrant. Late entrants will be subject to a 6 month benefit wai ng period for basic, 12 months for major and 24 months for orthodon c services. Please note: This applies to employees and dependents. 6

VISION PLAN CEC 1 888 254 4290 WWW.CECVISION.COM Your vision plan is provided by CEC.

7 VISION PLAN CEC Your vision plan is provided by CEC. While a large number of people wear correc ve lenses or contacts, detec on is very important in catching diseases and impairments at an early stage when treatment can prevent further damage. LEVEL OF COVERAGE IN NETWORK OUT OF NETWORK 1 Lenses & Contacts / Frames Frequency 12/12/12 Exam $10 Copay Frames & Lenses $10 Copay 2 Contact Lenses in lieu of lenses & frames Up to $150 Allowance 1 Member submits claim, reimbursement minus copay for cost of eyewear, up to allowed amount 2 Frames are covered up to $130 Allowance plus discount on balance over allowance after copay 7

LIFE & DISABILITY PLANS LINCOLN 1 800 432 2765 WWW.LFG.COM BASIC AND ADDITIONAL LIFE INSURANCE Employees eligible first of the month a er 90 days of FT employment 100% Employer paid benefit of 1.

8 LIFE & DISABILITY PLANS LINCOLN BASIC AND ADDITIONAL LIFE INSURANCE Employees eligible first of the month a er 90 days of FT employment 100% Employer paid benefit of 1.5 x salary, up to a maximum of $150,000; $150,000 Guarantee Issue Addi onal life insurance (voluntary life) is available for the employee, spouse and dependents Employee $10,000 increments, up to $500,000; $250,000 guarantee issue Spouse $5,000 increments up to the lesser of 50% of employee amount or $5,000; $5,000 guarantee issue Dependents $2,000 (6 mos. to age 19/25 FT Student); ($ days to 6 mos.); $2,000 Guarantee Issue Evidence of insurability (EOI) is required if enrolling a er you are first eligible SHORT TERM DISABILITY (SALARY CONTINUATION) Providers are eligible 1st day of employment, working minimum of 30 hrs/week Providers will be paid salary during the period of absence according to the following weekly % of Draw schedule: Weeks 1 2 paid at 100% Weeks 3 4 paid at 90% Weeks 5 6 paid at 80% Weeks 7 through day 90 paid at 66 2/3% PDO will supplement LONG TERM DISABILITY Employees eligible first of the month a er 90 days of FT employment 100% Employee paid Benefit begins a er 90 day elimina on period Monthly benefit is 66.% of your salary to a maximum of $10,000; Benefit period is to SSNRA Evidence of insurability (EOI) is required if enrolling a er you are first eligible please add if a voluntary product 8

FLEXIBLE SPENDING ACCOUNT During the open enrollment period, you should make elec ons regarding the amount that you wish to contribute to your FSA.

9 FLEXIBLE SPENDING ACCOUNT During the open enrollment period, you should make elec ons regarding the amount that you wish to contribute to your FSA. As a reminder, Health FSA par cipants will be able to carryover unused amounts of up to $500 for expenses incurred in the next plan year, and s ll contribute up to $2,650 annually. The carryover feature does not apply to Dependent care accounts. HEALTH EQUITY Contribute up to $2,650 to your Medical Spending Account Contribute up to $5,000 to your Dependent Care Account The only way to change your elec on during the plan year is to have a qualifying event. You have 90 days following the end of the plan year to file for reimbursement for expenses incurred during the plan year The only way to change your elec on during the plan year is to have a qualifying event. IMPORTANT NOTES ABOUT THE FSA Enrollment for the FSA plans is required each year. You do not need to be enrolled in the Wilmington Health Medical Plan to par cipate in the FSA Plan. The FSA plan year runs from January 1 December 31. You have un l March 31st to submit claims for expenses incurred during the prior plan year. If your employment ends, only claims incurred prior to your last day will be considered for reimbursement. If you enroll in the HDHP, the Health Care Flexible Spending Account will be limited to dental and vision expenses only. 9

10 ADDITIONAL BENEFITS 401(k)/PROFIT SHARING PLAN NEW PORT GROUP Eligible to par cipate on 1st day of employment Automa c enrollment for 3% of gross wages at me of hire unless WAIVED in wri ng Employee can elect to increase or decrease % withheld or set a fixed dollar amount to come out of each paycheck. Employee can choose investments online once enrolled Contribu on Limits: $18,000< Age 50; $6,000 Catch Up per year > Age 50 Employee contribu on amount can be changed at any me online at or by calling if you have any ques ons regarding your 401(k), please contact Rachel Carter, Financial Advisor with Merrill Lynch at or Rachel.e.carter@ml.com. Company contribu on: Safe Harbor 3% of gross wages contributed to employee s account each pay period star ng with month a er one year anniversary date with WH. Wilmington Health may also make Discre onary Contribu on to accounts of par cipa ng employees who have been employed at least one year. The amount, if any, of the discre onary contribu on for any plan year (calendar year) is not determined un l April of the following year. Discre onary contribu ons are vested over a six (6) year period as follows: End of year 1 = 0%; End of year 2 = 20% vested; End of Year 3 = 40% vested; End of Year 5 = 80% vested; end of year 6 = 100% vested. EMPLOYEE ASSISTANCE PROGRAM GUIDANCE RESOURCES This service offers informa on & resources that can help employees and their dependents iden fy & resolve problems affec ng emo onal & physical health. Financial & legal consulta ons are also available. The premium is paid by Wilmington Health and the service is provided by Guidance Resources. Contact Guidance Resources at Username: LFGSupport, Password: LFGSupport1 or ADDITIONAL VOLUNTARY BENEFITS GUARDIAN Please see Human Resources if you are interested in these benefits through Guardian. These are 100% Employee paid. Post tax deduc ons will be taken via pay roll. These benefits include, Short Term Disability, Cri cal Illness, Accident, and Hospital. 10

11 ADDITIONAL BENEFITS PAID DAYS OFF (PDO s) Holiday: New Year s; Memorial Day; Independence Day; Labor Day; Thanksgiving; Day a er Thanksgiving; 1/2 Day Christmas Eve; Christmas Day Accumulated as HOURS Eligible Date: 1st day of employment PDO Hours are deposited into Employee s PDO Bank on each pay date; Employee PDO balance shown on each pay stub Usage of PDO HOURS: Eligible to use following (6) consecu ve months of service and includes me for office closings due to holidays. (If employee has depleted their PDO bank at the me of a company holiday, they will not be paid for that me.) Accumula on Rate: Based on hours worked and length of service, using the following calcula on: number of hours worked in a pay period * accrual rate/ hour = amount accrued, not to exceed the max/pay period. The accrual schedule is as follows: Full me Hourly (non exempt): Employed by WH 0 5 years = 7.7 hrs per pay period; Employed 5 8 years = PDO hrs per pay period; Employed 8 10 years = PDO hrs per pay period; Employed 10+ years = PDO hrs per pay period Full me Salary (exempt): Employed by Wilmington Health 0 5 years = 8.34 hrs per pay period; Employed 5 8 years = PDO hrs per pay period; Employed 8 10 years = PDO hrs per pay period; Employed 10+ years = PDO hrs per pay period. All PDO Accrual Pay Day Period above represent the maximum # of PDO hours that can accrue for a pay period OTHER BENEFITS A Wilmington Health corporate discount is available for employee & family membership at various business throughout Wilmington such as O2 Fitness, Gold s Gyms and Verizon Wireless. There are other benefits as well from various businesses in the Wilmington area for WH employees. See Human Resources for details CME: 48 Hours of CME per calendar year. FEES: All privilege, registra on & licensure fees determined necessary for employment will be paid by Wilmington Health. EDUCATION FUND: $2,000 per calendar year, prorated based on date of full me hire. Qualified Expenses: Mee ngs, seminars and related travel, including transporta on, food and ps; professional dues and subscrip ons; professional books and publica ons; professional meals; and professional laundry expenses. 11

EMPLOYEE CONTRIBUTIONS Payroll deduc ons, as listed below, are deducted on a pre tax basis. MEDICAL SEMI MONTHLY CONTRIBUTION Employee $21.57 Employee / Spouse $213.29 Employee / Child $83.

12 EMPLOYEE CONTRIBUTIONS Payroll deduc ons, as listed below, are deducted on a pre tax basis. MEDICAL SEMI MONTHLY CONTRIBUTION Employee $21.57 Employee / Spouse $ Employee / Child $83.00 Employee / Children $ Family $ DENTAL SEMI MONTHLY CONTRIBUTION Employee $19.92 Employee / Spouse $36.03 Employee / Child(ren) $43.17 Family $60.81 VISION SEMI MONTHLY CONTRIBUTION Employee $4.75 Employee / Spouse $9.03 Employee / Child(ren) $8.55 Family $13.76 Wilmington Health Defini ons: Full Time (FT) Employee: Employee who is not hired as TEMPORARY or PRN (as needed) & works at least 30 hours per week Part Time Employee: Employee who is not hired as TEMPORARY or PRN & works less than 30 hours per week PRN Employee: Employee who is hired on an as needed basis may cover another employee s absence Temporary Employee: Employee who is hired on a seasonal or project basis only (i.e. Flu Booth Nurse, summer employee) Work Week: Monday Sunday Voluntary Benefit: 100% of premium paid by Employee All benefits (plans, eligibility requirements, premiums & details) are subject to change each year effec ve January 1. Any such changes will be explained during Open Enrollment each year which is in November of the following year s benefits. I have read this benefit summary and understand its content and have received a copy of the same. Date: Signature: If you have comments, ques ons, or other inquiries please contact Human Resources. 12

Wilmington Health FT Regular Employees

2018 Benefits Digest Wilmington Health FT Regular Employees WELCOME We are pleased to provide you with the 2018 Benefits Digest booklet. This guide is intended to provide a summary of the benefit programs