Employee Benefit Package. For Benefit Questions: Connie Eckhoff-Administrative Resource Planning Analyst ext.

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1 Employee Benefit Package For Benefit Questions: Connie Eckhoff-Administrative Resource Planning Analyst ext. 392 Revised: 6/15/2018 Revised Effective date: 7/1/2018

2 CHS HEALTH INSURANCE -- Plan Effective 07/01/2018 Medical Insurance Plan Coverage begins 1st of month after 30 days of employment. Open Enrollment - June for July 1st Effective Date $1000 Deductible/Calendar Year PPO Provider. Out of Pocket Max = $4,000 PPO Network "Preferred Health Professionals" OR $3000 Deductible/Calendar Year Non-PPO Provider. Out of Pocket Max = $8,000www.healthlink.com OR call Liberty Employees = Freedom Network Select Co-Payment Rates Non-KCMetro Employee Premiums PPO-Provider 80% of the next $10,000 FULL TIME EMPLOYEES = 40 HRS PER PAYWEEK Non-PPO-Provider 60% of the next $10,000 Employee Monthly Premium Paycheck Deduction Amount PPO-Provider Office Visit Co-Pay $25 All Other Services - 80% Employee $84.36 Employee $42.18 CHS will reimburse 2 Co-Pays Per Person(s) on Plan, Per Year Employee/Spouse $ Employee/Spouse $ Send a copy of the receipt to Cathy Chewning for reimbursement. Employee/Children $ Employee/Children $ Non-PPO Office Visit Subject to Deductible & Co-Ins. Family $1, Family $ PART TIME III EMPLOYEES = HRS PER PAYWEEK ER visit $50 Co-Pay (waived if admitted thru the ER) Employee Monthly Premium Paycheck Deduction Amount Employee $ Employee $ NURSELINE: Employee/Spouse $ Employee/Spouse $ Wellness Benefit- Must use a PPO Provider Employee/Children $ Employee/Children $ % paid --for any Wellness Exam - Routine Family $1, Family $ (example: Yearly physical, mammogram, pap test, bone density test, etc.) KCMetro EMPLOYEE PREMIUMS FULL TIME EMPLOYEES = 40 HRS PER PAYWEEK $25 reimbursable co-pay from CHS Employee Monthly Premium Paycheck Deduction Amount Per Person(s) Covered on Plan, Per Year Employee $91.36 Employee $45.68 Send a copy of the receipt to Cathy Chewning for reimbursement. Employee/Spouse $ Employee/Spouse $ Employee/Children $ Employee/Children $ Prescription Drug Benefit Family $1, Family $ Drug Co-Payment Rate: PART TIME III EMPLOYEES = HRS PER PAYWEEK Generic Drugs $ 8.00 per prescription Employee Monthly Premium Paycheck Deduction Amount Brand Name $30.00 per prescription Employee $ Employee $ Preferred $60.00 per prescription Employee/Spouse $ Employee/Spouse $ Employee/Children $ Employee/Children $ Mail Order - Maintenance Medication Family $1, Family $ Day Supply 2X the above Co-Pay We reserve the right to change this plan at anytime. Outlook Vision Services LIFE INSURANCE BENEFIT - Monthly Premium is Paid by CHS for Eligible Employees. $20,000 The amount of Life Insurance and AD&D will reduce: 35% upon the Employee's attainment of age 65 additional 5% of original amount at age 85 additional 25% of original amount at age 70 additional 5% of original amount at age 90 additional 10% of original amount at age 75 additional 10% of original amount at age 80 Benefits will terminate upon retirement Select eyewear & pay discount time of purchase. For Provider listing: or

3 Sun Life -- Dental Insurance Plan -- Effective 05/01/09 Coverage begins 1st of month following 30 days of employment. Your choice of Provider & Plan. Policy year is May 1st to April 30th Pro 1 Plan - FREEDOM BASIC Pro 1 Plan - FREEDOM BASIC Insured Percentage Allowable Charge Type I Dental Services 100% Employee Monthly Premium Paycheck Deduction Amount Type II Dental Services 80% Employee $14.38 Employee $7.19 Spouse $12.35 Spouse $6.18 Deductible, Child(ren) $21.71 Child(ren) $10.86 Per Person, Per Policy Year (05/01-04/30) $50.00 Benefit Maximum Per Person, Per Policy Year (05/01-04/30) $1, Pro 3 Plan - FREEDOM ADVANCED Insured Percentage Allowable Charge Type I Dental Services 100% Type II Dental Services 80% Type III 1st year 10% 2nd year 25% Pro 3 Plan - FREEDOM ADVANCED 3rd year and thereafter 50% Employee Monthly Premium Paycheck Deduction Amount Deductible, Employee $23.61 Employee $11.81 Per Person, Per Policy Year (05/01-04/30) $50.00 Spouse $21.56 Spouse $10.78 Benefit Maximum Child(ren) $24.20 Child(ren) $12.10 Per Person, Per Policy Year (05/01-04/30) $1, We reserve the right to change this plan at anytime. VISION DISCOUNT SERVICES Your dental plan includes a vision discount plan through VSP. The vision plan includes discounts on exams and the purchase of eyeglasses, contact lenses, sunglasses and other prescription eyewear when provided by VSP doctors. VSP is available for you and everyone covered on your dental plan! Locate a VSP doctor near you. You may use the Web-based doctor locator at or call VSP at

4 SUPPLEMENTAL INSURANCE Open enrollment is in December for an effective date of January 1st. Gap Plan Monthly Premiums Gap Plan Under 55 Ages Ages 60 & Over *In Hospital Benefit = $1500 Per Occurrence Employee $20.00 $30.00 $46.00 *Outpatient Benefit= $200 Per Occurrence Employee/Spouse $37.00 $54.00 $83.00 *Office Visit= $25.00 (Max of 5 per family per year) Employee/Children $32.00 $42.00 $58.00 *Prescription Drug Benefit not covered under GAP plan Family $49.00 $66.00 $95.00 AFLAC Supplemental Insurance AFLAC Representative-BRAD MANGUS ^ Accident Expense Plus ^ Hospital Intensive Care Insurance ^ Cancer Protector Plan ^ Personal Short-Term Disability ^ Life Assurance ^ Dental Insurance ^ Personal Recovery Plus BRADMANGUS@GMAIL.COM 125K Cafeteria Plan - Flexible Benefits Plan Open enrollment is in December for an effective date of January 1st. This is a free, voluntary plan, which allows eligible employees to reduce their taxable income. There are three ways in which to participate: 1. CHS Insurance Premiums - We will automatically pre-tax your insurance premiums unless otherwise noted. 2. Unreimbursed Medical Expenses - (Any out-of-pocket expenses for medical care.) Maximum of $2, Dependent Care Expenses - (Out-of-pocket expenses for dependent care.) Maximum of $5,000 Credit Union Enrollment can take place at any time. This is a voluntary plan, which allows employees to begin a payroll-deducted savings account through Bothwell Regional Health Center's Employee Credit Union. ID THEFT & PRE-PAID LEGAL Enrollment can take place at any time. Coverage Monthly $ This is a voluntary plan, which allows employees to begin payroll-deducted premiums for Legal Shield $15.95 ID Theft &/or Pre-Paid Legal Coverage. Please see Cathy Chewning for more information. ID Theft $ Both $25.90

5 Employee Pension Plan The Center for Human Services has established a 403(b) annuity plan for eligible employees. The plan year is from 07/01 to 06/30 of every year. The Center will contribute for employees that work at least 1000 hours & 90 days in the plan year (see schedule below). Years of Service Allocation Rate Vesting Schedule yr - 20% yrs- 40% yrs- 60% yrs- 80% yrs- 100% 26-up Open enrollment is held 2 times a year, December for January start and June for a July start. You may participate with your own money. If you elect to contribute to the pension plan, CHS will match.25% of the employees contribution up to an additional 1% (see below). You will be eligible to receive the matching contribution if you have met the eligibility requirements for employer contributions and have completed a Year of Service with the Company for the Plan Year. This means you must work 1000 hours to receive your employer contribution and to meet the vesting requirements. Employee Contribution CHS Match 1% 0.25% 2% 0.50% 3% 0.75% 4% 1.00% You can participate with more than 4% but the Center will only Match up to 4%. Ongoing individual support including financial and investment education is provided to employees by HORIZON CAPITAL ADVISORS. To make an appointment please contact Horizon Capital Advisors at Speak with Brett Deuth or Brock McClain. The website for VOYA is Go to this website to check out current fund information and your account. VOYA Customer Contact Center is Consider this - Your retirement plan co Contribution per month Years $5 $10 $15 $20 5 $ $ $ 1, $ 1, $ $ 1, $ 2, $ 3, $ 1, $ 2, $ 4, $ 5, $ 2, $ 4, $ 6, $ 9, $ 3, $ 6, $ 10, $ 13, $ 4, $ 9, $ 14, $ 19, $ 6, $ 13, $ 20, $ 27,472.00

6 Holidays Eligible employees receive 11 paid holidays per year. Included Holidays are: New Year's Day, Martin Luther King Jr. Day, President's Day, Good Friday, Memorial Day, Fourth of July, Labor Day, Thanksgiving Day and the day after Thanksgiving, Christmas Day and the day after Christmas. Vacation Leave - This time is accrued on the 15th of every month. New employees are not allowed to use accrued time until after 90-day introductory period. Full Time Employees - 40 hours per payweek Max Hours Hours 0 Years to less than 2 Years Years to less than 5 Years Years to less than 10 Years Years to less than 15 Years Years to less than 20 Years Years to less than 25 Years Years Part Time III Employees hours per payweek Max Hours Hours 0 Years to less than 2 Years Years to less than 5 Years Years to less than 10 Years Years to less than 15 Years Years to less than 20 Years Years to less than 25 Years Years Part Time II Employees hours per payweek Max Hours Hours 0 Years to less than 2 Years Years to less than 5 Years Years to less than 10 Years Years to less than 15 Years Years to less than 20 Years Years to less than 25 Years Years Once Accrual Maximums have been reached no new accruals will be granted until vacation time has been used.

7 Sick Leave - This time is accrued on the 15th of every month. New employees are not allowed to use accrued time until after 90-day introductory period. Full Time Employees - 40 hours per payweek Sick leave time accrued monthly at the rate of 8 hours per month, with a max of 240 hours balance on the books. Part Time III Employees hours per payweek Sick leave time accrued monthly at the rate of 6 hours per month, with a max of 180 hours balance on the books. Part Time II Employees hours per payweek Sick leave time accrued monthly at the rate of 4 hours per month, with a max of 120 hours balance on the books. You must get approval from your supervisor/director on scheduling this personal day. This time will be deducted from sick leave balance. Personal Leave Full Time Employees - 40 hours per payweek You are eligible for 1 personal leave day in a calendar year as long as you have 96 hours of sick time accrued. You may request a second day if accrued sick leave balance is at least 144 hours. Part Time III Employees hours per payweek You are eligible for 1 personal leave day in a calendar year as long as you have 72 hours of sick time accrued. You may request a second day if accrued sick leave balance is at least 108 hours. Part Time II Employees hours per payweek You are eligible for 1 personal leave day in a calendar year as long as you have 48 hours of sick time accrued. You may request a second day if accrued sick leave balance is at least 72 hours. Gym Membership Some of the local gyms in Sedalia and Marshall will give a membership discount to CTC employees. Be sure and let your gym know you are a CTC employee.

2018 MSD Benefits Overview

2018 MSD Benefits Overview This document is an outline of the coverage proposed by the carrier(s). It does not include all of the terms, coverage, exclusions, limitations, and conditions of the actual