2018 Benefits Decision Guide. Your Journey. to Health and Wellness. p. 22. p. 28. p. 18 p. 6. p. 3

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1 Your Journey 2018 Benefits Decision Guide to Health and Wellness p. 22 p. 28 p. 3 p. 18 p. 6

2 Table of Contents Summary of Benefits....3 What s New for Eligibility Guidelines....5 When Can I Make Changes to My Benefits?....5 How to Enroll....5 Your Medical, Dental and Vision....6 Fast Facts About Your Medical Plans....7 Medical Plan Comparison....8 Medical Plan Premiums...10 Healthcare Flexible Spending Account Your Dental Coverage Your Vision Coverage...13 Your Prescription Drug Plan...14 Your Enrollment Checklist Evaluate all plan information and changes for Estimate your healthcare expenses for 2018 to ensure you and your family are enrolled in the best plans for you. Educate yourself and your dependents at an education session. Details available on the intranet. Elect your benefits through the JPS intranet. Select Staff Resources and then Computer Apps A Z. Select Benefits Enrollment. Log in using your normal JPS login information. Enroll your eligible dependents. Print your confirmation statement or it to your JPS address. Your 2018 Prescription Drug Plan Options...15 Using Your Prescription Drug Plan Prescription Drug Costs JPS Health Network Participating Pharmacies Your Well-Being...18 JPS ENLIVEN Wellness Program...19 Employee Assistance Program (EAP) Your Financial Security...22 Short- and Long-Term Disability Basic Life and AD&D Insurance Life Insurance Cost...25 Your Retirement (b) Savings Plan Deferred Compensation Plan Unique Benefits for You Programs for New Mothers...29 Unique Family Benefits Emergency Employee Assistance Fund NEW! Unique Financial Planning JPS Foundation Special Notes and References...33 Special Enrollment Rights Loss of Other Coverage Holiday Calendar Your Time Away from Work My Benefits 2018 Planning Worksheet Your Additional Resources Open Enrollment runs October 2 through October 31, 2017 Provide dependent verification by November 17. OCTOBER OCTOBER JANUARY JANUARY Open Enrollment begins. Enroll using OnPoint, available on the JPS intranet. Open Enrollment for 2018 benefits ends. Your 2018 benefits elections start. Your paycheck reflects your 2018 benefits decisions. 2

3 Summary of Benefits You can choose a combination of benefits to create your unique benefits plan. You can enroll yourself and your dependents in the plans listed in this table. Plan Options Details Medical Prescription Drugs Dental Vision Short-Term Disability Long-Term Disability Choice Medical Plan Select Medical Plan Included with Medical Plan PPO DHMO VSP Signature Plus Plan VSP Choice Plan VSP Access Plan Optional Employee Coverage Provided by JPS Higher deductible, lower premium Lower deductible, higher premium Services available through JPS, CVS and Target pharmacies May use any provider May use only in-network providers Provides for 2 pairs of eyeglasses or contacts Provides for 1 pair of eyeglasses or contacts Provides discounts for services Pays up to 60% of your salary base after 14-day elimination period Pays up to 60% of your base salary after 90-day elimination period Basic Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance Provided by JPS Provides 1 times your annual salary Basic Life Buy-Up Optional employee coverage Provides 1 times your annual salary Supplemental Life Employee, spouse, child(ren) coverage Provides benefit based on elected coverage amount Universal Life Employee, spouse, child(ren) coverage Provides benefit based on elected coverage amount Critical Illness Employee, spouse, child(ren) coverage Provides benefit based on elected coverage amount Accident Employee, spouse, child(ren) coverage Provides benefit based on a schedule of covered services Legal/Identity Theft Employee, spouse, child(ren) coverage Provides benefit based on a schedule of covered services Retirement 403(b), 457 and Pension Provides opportunities for retirement savings Your Journey to Health and Wellness I cannot imagine how we would have managed without the JPS benefit plan when my husband was diagnosed with diabetes a few years ago. The JPS health insurance packages available are truly a God-send to my family! Karen Goodwin, Business Operations Analyst Community Health Administration 3 RETURN TO TABLE OF CONTENTS

4 Benefits Enrollment What s New for 2018 Your new benefits elections during open enrollment take effect January 1, 2018, or the first day of the month following your date of hire. You can find a complete listing of benefits on the JPS intranet. Be sure to take a fresh look at what s available to you. Here s what s new for 2018 New Retirement Vendor - Prudential Retirement New Flexible Spending Account Administrator - Discovery Benefits No Increases in Dental or Vision Premiums Dental and vision plan benefit premiums are the same as last year. Hour Hospital Program - JPS Foundation New ENLIVEN WellCredit Structure At the end of May, my son experienced a sports injury. We have used our benefits for emergency/trauma care as well as a surgery. The ER copay as well as the surgery copay were well within our budget allowing us to focus on the healing journey without the added stress of financial burden. Cristal Clark, Supervisor, Behavioral Health Access Navigator TSP Administration This brochure highlights the main features of the JPS Health Network employee benefits program. It does not include all plan rules, details, limitations and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. JPS Health Network reserves the right to change or discontinue its employee benefits plans at any time. 4 RETURN TO TABLE OF CONTENTS

5 Eligibility Guidelines You and your dependents are eligible to enroll in JPS Health Network benefits if You are a full-time or part-time benefits-eligible team member. Your dependents meet the following criteria: Dependent child birth certificate, adoption or guardianship papers and their Social Security number. Your child is an eligible dependent from birth until their 26th birthday. Spouse marriage license and a current federal income tax return or other document showing proof of shared residence, date of birth and Social Security number. IMPORTANT When Can I Make Changes to My Benefits? If you experience a qualifying life event that results in the gain or loss of insurance for yourself and/or your dependent(s), you must report it to HR within 31 days of the event. Examples of qualifying life events: Marriage* or divorce Birth or adoption** Death of spouse or child Gain or loss of other coverage You or your eligible family member experiences a change in employment status that affects benefits eligibility (e.g., switching from PRN to full-time) Dependent child reaches 26 years of age FMLA leave, COBRA event, court judgment or decree Becoming eligible for Medicare Loss of Medicaid and/or CHIP*** Receiving a Qualified Medical Child Support Order If you decide not to enroll in other specific benefits for 2018, you will need to wait until next fall s open enrollment period to select benefits for 2019 unless you experience a qualifying life event. *It is your responsibility to enroll a new dependent within 31 days from the date you have a new dependent. **Your benefits changes will be effective on the date of the qualified life status change for the birth, adoption or placement for adoption of an eligible child. ***In some cases, you have 60 days to notify HR. Complete the worksheet on page 38 as you progress through the enrollment portal. How to Enroll STEP 1 From the JPS intranet Select Staff Resources and then Computer Apps A Z. Select OnPoint Employees and Leaders. Log in using your normal JPS login information. Click on Employee icon. Select To Do. Click Pay and Benefits. Click 2018 Benefits Enrollment. STEP 2 Use the prompts on the screen to follow each step of the enrollment process. In making your elections, select the plan option of your choice, and then select Continue after you ve made each election until you reach the confirmation page. STEP 3 Once you complete all coverage elections, you will land on the Confirmation Statement. Click the Save button at the bottom of the page to complete your enrollment process. You may print and yourself a copy of your confirmation statement for your records. 5 RETURN TO TABLE OF CONTENTS

6 The Essentials Medical, Dental and Vision Our team members are important to us. That is why JPS is committed to supporting the health and well-being of our team. The JPS benefits plan is designed to meet the diverse needs of our team members and their families with a comprehensive list of medical, dental, vision and other health and lifestyle benefits and rewards. YourMedical, Dental and Vision My Family Works at JPS and JPS Cares for Us. My health benefits give me options that work for my family s lifestyle and budget. Our plans help me make better decisions about my health, and without them I would not be able to afford medical care. I am so grateful that my employer offers quality medical plans that benefit us. Bridgette Murray, RN, Oncology Clinic Your Medical, Dental and Vision 6 RETURN TO TABLE OF CONTENTS

7 It s all about you and your family! Fast Facts About Your Medical Plans Your Medical Plan Options Choice plan: Same coverage as the Select plan but the Choice plan offers you greater control over healthcare spending. This plan has a lower premium up front but higher co-pays and deductibles. Select plan: Pay a higher premium up front and have lower out-of-pocket costs. The plan has lower co-pays and deductibles if you use innetwork providers. You will receive the highest possible level of coverage for both plans at the lowest cost if you use JPS Health Network/Tier 1 providers. To find a JPS Provider, visit or call JPS Network Member ID: Your Medical, Dental and Vision IMPORTANT Preventive Care Preventive care is important. This includes your annual physicals or other tests such as cancer screenings. Check out page 38 at the back of this guide for a worksheet to assist you as you navigate the benefits enrollment portal. JPS Health Network in-network medical plans provide 100% coverage for preventive care, including immunizations, well-baby, well-child, well-woman and well-man exams, mammograms and other services. 7 RETURN TO TABLE OF CONTENTS

8 Medical Plan Comparison We have provided the outline of benefits below for comparative purposes only. It is not intended as a contract of benefits. All final benefit determinations will be made in accordance with the medical plan contract. (Please note that ded. is used throughout as an abbreviation for deductible.) Description Choice plan Select plan Benefits Calendar Year Deductible Individual/Family JPS Health Network (Tier 1) Cigna Open Access (Tier 2) Out-of-Network (Tier 3) JPS Health Network (Tier 1) Cigna Open Access (Tier 2) Out-of-Network (Tier 3) $1,500/3,000 $2,500/5,000 $4,000/8,000 $500/1,000 $1,000/2,000 $2,000/4,000 Maximum Out-of-Pocket (includes deductible & co-pays) $3,000/6,000 $5,000/10,000 Unlimited $2,500/5,000 $5,000/10,000 Unlimited Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited JPS Outpatient Office Visits JPS Health and Wellness Center Primary Care Specialty Care Routine adult/child lab/x-ray 1 Non-JPS Physician Office Visits Primary Care Specialty Care Routine adult/child lab/x-ray 1 $15 $20 $40 $0 if billed with a visit above $30 $60 $0 if billed with a visit above $10 $15 $25 $0 if billed with a visit above $25 $50 $0 if billed with a visit above Outpatient Facility Fees 0% after co-pay 0% after co-pay Preventive Care Routine Annual Well Visit Annual Mammogram, PSA, Pap smear, colonoscopy $0 co-pay/visit $0 if billed with a visit above $0 co-pay/visit $0 if billed with a visit above $0 co-pay/visit $0 if billed with a visit above $0 co-pay/visit $0 if billed with a visit above Diagnostic Mammograms 2 Immunizations $0 co-pay/visit $0 co-pay/visit for age 7 and older; 100% after ded. for age 6 and younger $0 co-pay/visit $0 co-pay/visit for age 7 and older; 100% after ded. for age 6 and younger Your Medical, Dental and Vision Maternity Care Initial visit to confirm Global maternity care fee Hospitalization Outpatient diagnostic radiology services (MRI, CT and PET scan) $40 co-pay $60 co-pay $25 co-pay $50 co-pay Chemotherapy Radiation Acupuncture (20 days per calendar year) Chiropractic Care (20 days per calendar year) Not covered $60 co-pay Not covered $50 co-pay $40 co-pay $60 co-pay $25 co-pay $50 co-pay Hospitalization Medical Nutritional Eval/ Therapy (3 days per calendar year) Physician s Office Inpatient Facility Outpatient Physician Services $0 co-pay 1 If performed on the same day as the office visit $30/60 co-pay $0 co-pay 2 First mammogram of the year is paid at 100%, no deductible, regardless of previous or diagnostic in and out of network $25/50 co-pay 8 RETURN TO TABLE OF CONTENTS

9 Description Choice plan Select plan Benefits Diabetes Education Laboratory Physician Office 4 JPS Clinic 4 Outpatient Hospital Inpatient Hospital Pathology Physician Office Outpatient Hospital Inpatient Hospital Radiology Physician Office 4 JPS Clinic 4 JPS Employee Health 4 Outpatient Hospital Inpatient Hospital Outpatient Surgical Serv. Physician Office Medical Facility Allergy Testing and Evaluation Primary Care Visit Specialist Visit Hearing Aids (1 pair every 2 years) JPS Health Network (Tier 1) No-cost counseling 0% 0% 0% 0% 0% $40 Specialist $20 co-pay $40 co-pay Cigna Open Access (Tier 2) No-cost counseling through Cigna 0% Not Covered 0% Not Covered Not Covered $60 Specialist $30 co-pay $60 co-pay Out-of-Network (Tier 3) JPS Health Network (Tier 1) No-cost counseling Not Covered Not Covered Not Covered 0% 0% 0% 0% 0% $25 Specialist $15 co-pay $25 co-pay Cigna Open Access (Tier 2) No-cost counseling through Cigna 0% Not Covered 0% Not Covered Not Covered $50 Specialist $25 co-pay $50 co-pay Out-of-Network (Tier 3) Not Covered Not Covered Not Covered Not covered $500 co-pay Not covered $500 co-pay Hearing Exam $40 co-pay/visit $60 co-pay/visit $25 co-pay/visit $50 co-pay/visit Durable Medical Equip. Hospice Care (outpatient/ inpatient) Home Health Care (up to 120 days per year maximum) Skilled Nursing Care Facility (up to 120 days per year maximum) Mental Health Services Outpatient Inpatient Substance Abuse Serv. Outpatient Inpatient Emergency Services Emergency Room 1 Urgent Care Facility Ambulance ER Flight Service Rehabilitation Services/ Physical Therapy 2 Outpatient Inpatient Speech and Occupational Therapy 3 $40 co-pay/visit $40 co-pay/visit $250 co-pay/visit $100 co-pay/visit $40 co-pay $20 co-pay $40 co-pay $60 co-pay/visit $60 co-pay/visit $250 co-pay/visit $100 co-pay/visit $75 co-pay/visit $250 co-pay $60 co-pay $30 co-pay $60 co-pay $250 co-pay/visit $100 co-pay/visit $75 co-pay/visit $250 co-pay $25 co-pay/visit $25 co-pay/visit $250 co-pay/visit $100 co-pay/visit $25 co-pay $15 co-pay $25 co-pay $50 co-pay/visit $50 co-pay/visit $250 co-pay/visit $100 co-pay/visit $75 co-pay/visit $250 co-pay $50 co-pay $25 co-pay $50 co-pay $250 co-pay/visit $100 co-pay/visit $75 co-pay/visit $250 co-pay 1 Co-pay is waived if admitted. 2 Maximum up to 60 days per year. 3 Speech and occupational maximum number of treatments limited to 45 per calendar year for each type of therapy. The visit will continue to be subject to the PCP copayment and specialist co-payment. If services are available at JPS and you seek care from a Tier 2 provider or facility, Tier 2 benefits will apply. Physical Therapy has a 60 day maximum per calendar year, Speech, OT, Cardiac, Pulmonary, and Cognitive Therapy have a 45 day limit. 4 If performed on the same day as the office visit. 9 RETURN TO TABLE OF CONTENTS Your Medical, Dental and Vision

10 Medical Plan Premiums JPS Health Network offers you quality care and helps save you and your family money. These tables demonstrate the biweekly medical plan deduction schedule for the Choice Medical and the Select Medical Plans for Medical plan premiums are based on your pay rate. Looking at Your Cost of Care Under $36.5K Choice Medical Monthly Cost JPS Monthly Cost Per Pay Period Cost Under $36.5K Select Medical Monthly Cost JPS Monthly Cost Per Pay Period Cost Only $5.00 $ $2.31 Only $50.00 $ $ Spouse $65.00 $ $ Spouse $ $ $ Children $25.00 $ $ Children $ $1, $ Family $95.00 $1, $ Family $ $1, $ Child $15.00 $ $ Child $83.00 $ $38.31 $36.5K to $50K Monthly Cost JPS Monthly Cost Per Pay Period Cost $36.5K to $50K Monthly Cost JPS Monthly Cost Per Pay Period Cost Only $25.00 $ $11.54 Only $83.00 $ $ Spouse $ $ $ Spouse $ $ $ Children $65.00 $ $ Children $ $1, $ Family $ $1, $ Family $ $1, $ Child $55.00 $ $ Child $ $ $66.00 Your Medical, Dental and Vision $50K to $75K Monthly Cost JPS Monthly Cost Per Pay Period Cost $50K to $75K Monthly Cost JPS Monthly Cost Per Pay Period Cost Only $35.00 $ $16.15 Only $ $ $ Spouse $ $ $ Spouse $ $ $ Children $ $ $ Children $ $1, $ Family $ $1, $ Family $ $1, $ Child $ $ $ Child $ $ $86.31 $75K to $100K Monthly Cost JPS Monthly Cost Per Pay Period Cost $75K to $100K Monthly Cost JPS Monthly Cost Per Pay Period Cost Only $50.00 $ $23.08 Only $ $ $ Spouse $ $ $ Spouse $ $ $ Children $ $ $ Children $ $ $ Family $ $ $ Family $ $1, $ Child $ $ $ Child $ $ $ $100K + Monthly Cost JPS Monthly Cost Per Pay Period Cost $100K + Monthly Cost JPS Monthly Cost Per Pay Period Cost Only $65.00 $ $30.00 Only $ $ $ Spouse $ $ $ Spouse $ $ $ Children $ $ $ Children $ $ $ Family $ $ $ Family $ $1, $ Child $ $ $ Child $ $ $ RETURN TO TABLE OF CONTENTS

11 Flexible Spending Accounts NEW! Healthcare Flexible Spending Account Vendor You may voluntarily elect to set aside from each paycheck pre-tax dollars you can use to pay for out-of-pocket medical, prescription, eligible over-the-counter drug, dental, vision and hearing expenses not covered by an insurance plan. Discovery Benefits Debit Card Using your debit card at the time of service (doctor s office, hospital, pharmacy, etc.) is the easiest way to access your Health Care FSA funds. Use your card to take advantage of: Having no out-of-pocket payments No submitting claims No waiting for a reimbursement check Swiping and going easy to use! (Don t forget your receipts.) Paying your expense instantly Having accessibility works at most healthcare merchants where VISA is accepted Expenses eligible for reimbursement from a Health Care Flexible Spending Account Deductibles, co-pays and co-insurance you are required to pay under your benefits plan (including prescription co-pays and doctor office visit co-pays) Any medical, dental or vision expense that exceeds allowable payment maximums (out-of-pocket expenses) Expenses not considered reasonable and customary under the medical or dental benefit plans Dental and orthodontic surgery Lasik eye surgery Vision care including examinations, eyeglasses not covered by an insurance plan, contact lenses and solution Hearing examinations and hearing aids Over-the-counter items when accompanied by a doctor s prescription Expenses not eligible for reimbursement from a Health Care Flexible Spending Account Cosmetic surgery (unless medically necessary) Teeth bleaching Liposuction Dependent Care Flexible Dependent Care Flexible Spending Account You may voluntarily elect to set aside pre-tax dollars each pay period for dependent care expenses that are needed in order for you to be able to work. Through this account, you can pay for day care or child care expenses for your children under the age of 13 and qualifying older dependents, such as dependent parents. The dependent care provider cannot be your child under age 19 or anyone who is your dependent for income tax purposes. IMPORTANT Remember: Any unused funds in your 2018 Flexible Spending Account after March 15, 2019, will be forfeited per IRS regulations. Rules for Flexible Spending Accounts The maximum you can contribute to the Health Care Spending Account per plan year is $2,600. The maximum you can contribute to the Dependent Care Spending Account per plan year is $5,000. When you incur an eligible healthcare expense, you may pay with your Discovery Benefits debit card. However, if you pay out-of-pocket, you must submit a claim form to Discovery Benefits for reimbursement. You cannot change your election during the year unless you experience a qualifying life event. Only expenses for services you received between January 1, 2018, and March 15, 2019, or from the date you became covered, can be reimbursed from the money set aside from your pay during the plan year (January 1 to December 31). The IRS requires you to forfeit any money in your accounts that you do not use by March 15, 2019, so be thoughtful when estimating your expenses for the plan year ahead. Your Medical, Dental and Vision 11 RETURN TO TABLE OF CONTENTS

12 Your Dental Coverage JPS offers dental coverage options because of the importance of oral care to your overall health. Research has linked gum disease to complications with heart disease, diabetes, preterm birth and other health issues. Selecting the Dental Plan that is Right for You Cigna Dental PPO You may go to any dentist you choose in the Cigna Dental PPO plan. After you meet your deductible, the plan pays a percentage of the covered costs. Out-of-network dentists may require you to pay the full cost of any difference between their charges and Cigna s allowances. All covered members are able to take advantage of the Annual Preventive Care Reward program. Under this program, each year if you complete two preventive care exams (per covered member), $100 will be added to your $1,200 annual maximum benefit (up to a maximum of $1,500). Dental Benefits Summary Benefit Cigna PPO 1 Cigna DHMO In-Network Out-of-Network 2 In-Network Only Calendar Year Maximum Benefit $1,200-$1,500 $1,200-$1,500 Unlimited Calendar Year Deductible Individual Family Maximum Cigna Dental HMO (DHMO) The Cigna Dental HMO (DHMO) plan has no deductible and unlimited benefits, but coverage depends on a patient charge schedule (PCS) for the in-network general dentist you select. If a dental procedure is not listed on the PCS, it is not covered, and you will pay according to the dentist s regular fees. If you receive services from a dentist who does not participate in the DHMO network, your treatment may not be covered at all. Referrals are required for all in-network specialists, except pediatric dentists. A copy of the PCS is also available on the JPS intranet HR portal. Note: A provider directory for both dental plans is available on the Cigna website at JPS Network Member ID: $50 $150 $50 $150 None None Your Medical, Dental and Vision Class I - Preventive Care (exams, cleanings, X-rays) $0, deductible waived $0, deductible waived See PCS 3 Class II - Basic Care (fillings, root canals, extractions) 20% after deductible 20% after deductible See PCS 3 Class III - Major Care (crowns, dentures, bridges) 50% after deductible 50% after deductible See PCS 3 Class IV - Orthodontia (adult and child) $1,200 separate lifetime maximum per person Class V - Implants (adult and child) $2,500 separate annual maximum per person 50% after deductible 50% after deductible See PCS 3 50% after deductible 50% after deductible See PCS 3 1 Dental PPO exclusions and limitations: Exams and cleanings - 2 per calendar year. Fluoride - 1 per calendar year for members under age 19. X-rays - Routine-2 per calendar year. Other exclusions apply; please refer to the summary plan description located on the HR intranet Employee Benefits page. 2 Out-of-network providers are reimbursed based on reasonable and customary charges; amount is determined by averaging what 50% of the dentists in your area charge. You could be responsible to pay any amount above the reasonable and customary charge. 3 Cigna s patient charge schedule can be found at or on the Total Rewards Intranet page. Dental Plan Premiums (Per Pay Period) Cigna Dental PPO Cigna Dental DHMO Only $7.73 Only $ Child $ Child $ Spouse $ Spouse $ Children $ Children $ Family $ Family $ RETURN TO TABLE OF CONTENTS

13 Your Vision Coverage Even if you have perfect eyesight, you should take care of and protect your eyes to maintain healthy vision. Your vision benefit coverage is provided by Vision Service Plan (VSP). VSP provides a contact lens CLEX fitting and evaluation allowance in both the Signature Plus and Choice Plans. How the Plan Works VSP helps pay the cost of routine eye examinations and the cost of eyeglasses or contact lenses. You may seek care from any licensed optometrist, ophthalmologist or optician. To maximize plan benefits, use VSP-preferred providers. You may go to any provider in the VSP network. With the Signature Plus Plan, the eligible allowance of $150 is for each pair of glasses and not a combined amount. Vision Benefits Summary* Benefit Signature Plus Plan w/second Pair You can access and print a member vision card from although you don t need an ID card to use the services. Let your provider know you have coverage through VSP. Access a list of preferred providers, find discounts on various products and services, review your personal benefit information, and view previous visits and services at Call for more information. Choice Plan Access Plan 1 Exam Frequency Once every calendar year Once every calendar year Once every calendar year Exam Co-pay $10 $10 20% discount Lens Frequency Once every calendar year Once every calendar year Once every calendar year Lens Co-pay Single Vision Lined Bifocal Lined Trifocal Frames Co-pay Frames Frequency Frames Covered in full, less co-pay 1st pair glasses: $25 2nd pair: $25 1st pair: $25 2nd pair: $25 Once every calendar year or twice every calendar year without contacts $150 allowance on 1st & 2nd pair; 20% discount on overage $25 20% off; reasonable and customary for additional complete pairs of prescription glasses $25 Once every two calendar years or one calendar year after contacts $150 allowance; 20% discount on overage Once every calendar year 20% off; reasonable and customary for additional complete pairs of prescription glasses Your Medical, Dental and Vision Lenses - Elective Contact Lenses 2 1st pair: $150 allowance 2nd pair: $150 allowance $150 allowance 15% off professional services for contact lenses CLEX (fitting and evaluation) Up to $60 Up to $60 1 There is no premium for the Access Plan. 2 Most providers charge an additional fee for the fitting of contact lenses. This fee is separate from the eye exam. The contact lens exam/fitting fee may be included in the contact lens materials allowance. * To access benefits listed above, you must use a VSP network provider. Vision Plan Premiums (Per Pay Period) SIGNATURE PLUS CHOICE ACCESS (No Charge) Only $6.75 $2.31 $ Spouse $10.53 $3.60 $ Child(ren) $10.75 $3.67 $ Family $17.34 $5.93 $ RETURN TO TABLE OF CONTENTS

14 Your Prescription Drug Plan When you enroll in the JPS Health Network Choice or Select medical plans, you are automatically enrolled in our prescription drug plan, administered by MaxorPlus. We believe in excellent service. We believe in customer satisfaction. We believe in patient care. This is our mission everyday. Gopal Pillai, Director, Pharmacy Services Administration Your Prescription Drug Plan Your Journey to Health and Wellness 14 RETURN TO TABLE OF CONTENTS

15 Your 2018 Prescription Drug Plan Options JPS is eligible to receive drugs through the federal 340B Drug Discount Program. The program requires drug manufactures to provide outpatient drugs to eligible health care organizations at significantly reduced prices. You must be a JPS patient to receive the discounted rate. Your prescription costs are lowest if (1) the prescriptions are written and/or documented in the JPS medical record system by a JPS provider, or (2) a referral to a non-jps provider is documented in the JPS medical record system. In both cases, the prescription must then be filled at a JPS pharmacy. You can also save money by using generic drugs, when available. Best Value Have your prescription written by a JPS Provider and filled at any JPS pharmacy or by mail order. JPS can pass along deep discounts made possible by the 340B federal drug discount program. Choice and Great Value Have your prescription written by a non-jps provider and filled at the JPS Main Campus pharmacy or mailed to your home. Convenience and Good Value Can t make it to a JPS pharmacy? You can still pick up your prescription written by either a JPS or non-jps provider at any nearby CVS or Target pharmacy. Using the JPS Health Network Prescription Plan is Easy Select any of the options above and present your prescription and your JPS MaxorPlus prescription drug card to the pharmacy. Pay the required co-pay amount and sign the log for your prescription. DID YOU KNOW JPS Health Plan members can use the Mail Order option to fill prescriptions. This service provides team members convenience and flexibility when refilling maintenance medications. Find out if your prescriptions qualify for Mail Order by visiting the Pharmacy page on the JPS Intranet. Your Prescription Drug Plan Using Your Prescription Drug Plan Use a JPS Pharmacy or Mail Order BEST VALUE! Use a JPS Provider Use a CVS or Target Pharmacy GOOD VALUE! Need a Prescription? Reconcile Prescription with JPS Provider and Use a JPS Pharmacy BEST VALUE! Use a Non- JPS Provider Use a JPS Main Campus Pharmacy or Mail Order GREAT VALUE! Use a CVS or Target Pharmacy GOOD VALUE! 15 RETURN TO TABLE OF CONTENTS

16 2018 Prescription Drug Costs Tier 1: Generic and Some Brands Tier 2: Preferred Brands* Tier 3: Non- Preferred Brands* Tier 4: Specialty Drugs Formulary Tiers BEST VALUE: JPS Pharmacy (JPS Provider or Non-JPS Provider with JPS Documented Referral) 30-Day Supply 90-Day Supply GREAT VALUE: JPS Main Campus Pharmacy or Mail Order (Non-JPS Provider) 30-Day Supply 90-Day Supply GOOD VALUE: CVS or Target Pharmacy (JPS Provider or Non-JPS Provider) 30-Day Supply 90-Day Supply $10 $20 $15 $37.50 $30 $25 $50 $40 $100 $75 $40 $80 $65 $ $ Day Supply 20% of the cost (Minimum $50, Maximum $150) 90-Day Supply Our prescription plan covers a broad range of medications that fall into four categories. Tier 1 Tier 2 Tier 3 Tier 4 Generic Generic and some brand medications contain the same active ingredients as brand-name drugs and are equally safe and effective. These medications are your lower-cost options. Talk to your practitioner about prescribing generic medications instead of brand names. Preferred Brand Preferred brands are covered prescription brandname medications when generics are typically not available and are listed on the formulary. These medications cost more than generics, but less than non-preferred brand medications. You may obtain a list of preferred brand-name drugs by calling MaxorPlus at (800) Non-Preferred Brand Non-preferred brands are prescription brand-name medications for which alternatives are typically available in Tier 1or Tier 2. These medications typically have a generic equivalent and cost more than generic and preferred brand medications. Specialty Drugs A specialty drug is a unique prescription drug that may require special handling and/or close monitoring. Specialty drugs may carry an equivalent in a brand or generic drug and have higher associated costs. *If a patient or doctor requests a brand-name drug when a generic equivalent exists, the patient will pay the difference between the brand and the generic medication, in addition to the applicable brand co-pay. $5 Prescription Drug Program JPS offers a $5 prescription program for team members. A prescription drug card is not required. Prescriptions may be filled at any JPS pharmacy location. Information can be found on the intranet. Click on Human Resources, Employee Benefits and then Pharmacy Prescription Plan. Convenient 24-Hour Kiosk JPS team members may pick up prescription drug refills at any time from the kiosk located at the JPS Main Outpatient Pharmacy. Request the kiosk as your pickup location when you request your refill. (Please note: The kiosk is available for refills only. Refrigerated and oversized items [exceeding 4 inches by 6 inches] are not available via kiosk, but may be picked up at the employee pickup window.) Mail Order Pharmacy: Free Shipping Reduce the Wait Time Orders can be placed via phone, online and mobile. Refills should be submitted no sooner than 7 days before your medication will run out. Visit to order your refill online. If you have questions, please visit the Employee Pharmacy window or call (817) to speak with a pharmacy representative. Your Prescription Drug Plan 16 RETURN TO TABLE OF CONTENTS

17 Additional Information About Your Prescription Plan Coverage Refills If your physician has authorized refills, you may refill your prescription as soon as 80% of the prescription has been used. For example, for a 30-day supply prescription, you may refill the prescription when you have 6 days left; for a 90-day supply, you may refill the prescription when you have 18 days left. Formulary The JPS Health Network Employee Drug Formulary will be used with your drug program. The formulary is a list of medications used as a guide for physicians when prescribing. The formulary also lists medications by tiers, which determines your associated costs. The formulary is reviewed and updated regularly. For the most up-to-date formulary, please visit the HR portal on the intranet. (Click on Total Rewards, then click on Pharmacy Prescription Plan.) Specialty Medications Prescriptions for specialty medications must be written and/or documented in the JPS medical record system by a JPS provider, as are referrals to a non-jps provider. The prescription may be filled through the Maxor specialty pharmacy division. Specialty drugs are limited to a 30-day supply. Team members will pay 100% of the cost for specialty prescriptions not filled through Maxor. When prescribing a specialty medication, the provider may either submit it electronically (e-scribe), fax the prescription to or contact the Maxor specialty pharmacy at For a consultation or assistance with referrals for specialty prescriptions, contact the JPS Health & Wellness Center at For questions about the Maxor specialty prescription program, contact MaxorPlus at Compound Medications Some medications require compounding. A compound medication is a drug product made or modified to have characteristics that are specifically prescribed for an individual patient and are not commercially available. All compound medications require prior authorization and must be filled at an approved pharmacy. Compound medications have the same co-pays as prescriptions filled at CVS pharmacies. Please contact MaxorPlus at for additional information or if you are prescribed a medication that requires compounding. Using a Non-Participating Pharmacy The Prescription Drug Plan requires using a JPS, CVS or Target pharmacy. Prescriptions purchased at non-participating pharmacies are covered only in emergency situations: for example, you re out of town and unable to locate a CVS or Target pharmacy, or you need an emergency prescription filled late at night. You will need to pay 100% of the prescription drug cost and obtain a receipt. Then you may submit a paper claim, along with the receipt, to MaxorPlus for reimbursement. You can request this form from MaxorPlus. You will be reimbursed the network-discounted rate, minus your co-pay. When an out-of-network pharmacy is used, you may be responsible for paying more than just the required co-pay. Covered Drugs, Limitations and Exclusions Most prescription drugs that require a written prescription by a licensed provider are covered. Anti-wrinkle agents (e.g, Renova ), cosmetic hair removal products (e.g., Vaniqa ), hairgrowth stimulants, office-administered injectables, mineral and nutritional supplements, non-prescription drugs other than insulin, therapeutic devices or appliances and other non-medicinal substances, regardless of intended use, and charges for the administration or injection of any drug are generally not covered under your drug benefit. In addition, certain restrictions, quantity limits or prior authorization requirements may apply. To obtain additional information about these restrictions, or for more coverage information, contact your HR Benefits department or a MaxorPlus customer service representative. This is not intended to be a full explanation of benefits, limitations or exclusions. JPS Health Network Participating Pharmacies JPS Main Outpatient Pharmacy (Main Campus) JPS Lounge and 24-hour Kiosk (Main Campus, past the Main Outpatient Pharmacy) JPS Central Fill Pharmacy JPS Viola Pitts/ Como Pharmacy JPS Diamond Hill Pharmacy JPS Northeast Pharmacy JPS Arkansas Lane Pharmacy JPS Stop Six Pharmacy JPS Watauga Pharmacy JPS South Campus Pharmacy (pickup only) JPS Northwest Pharmacy (Azle pickup only) CVS Pharmacies (limited to a 30-day supply) Target Pharmacies (limited to a 30-day supply) Your Prescription Drug Plan 17 RETURN TO TABLE OF CONTENTS

18 Your Well-Being JPS cares about the health and wellness of all our team members. You re invited to participate in our JPS ENLIVEN wellness program and take advantage of the many opportunities available to improve your well-being while earning rewards. Marian Oliver (left) and Brenda Kirk (right) walk the blue line on the lower level of Main Hospital. Your Well-Being 18 RETURN TO TABLE OF CONTENTS

19 JPS ENLIVEN Wellness Program You can earn rewards while getting healthy by participating in the JPS ENLIVEN program. Biometric Screening* Health Risk Assessment* Preventive Screenings and Exams Educational Seminars and Webinars Health Challenges One-on-One Health Coaching Weight Loss Program *Must complete both to be eligible to earn WellCredit in the JPS ENLIVEN program. Achieve Your Goals Getting Started Visit to sign up, find different ways to earn WellCredit and track your progress throughout the year. To access everything you need regarding the JPS ENLIVEN program - including information about upcoming events and webinars - visit the Employee Wellness page on the Intranet under Human Resources. Discounted Corporate Gym Memberships Your overall health and wellness are important! Discounted gym memberships are available to you at 24 Hour Fitness, Camp Gladiator, Zyn22 and YMCA. Locations and rates vary. How to Access: Visit the Human Resources intranet page for more information. Quarterly JPS ENLIVEN Drawings JPS ENLIVEN team members are eligible for the rewards drawings. The more you are involved in the JPS ENLIVEN program, the greater your chances of winning a prize. WellCredit 2019 WellCredit means participating in JPS ENLIVEN activities in 2018, and receiving a dollar amount reward in To qualify for WellCredit, team members must carry the JPS Cigna medical insurance, complete a Biometric Screening and the Health Risk Assessment (HRA) starting January 1, 2018 on the MyCigna profile at jpsenliven.org. Participants can earn up to $500. See the 2019 WellCredit Structure below: JPS ELIVEN WellCredit 2018 Program * Awareness Education Action Complete both screenings (must complete to be eligible for WellCredit Program): Biometric (Wellness Screening) Health Risk Assessment Complete two JPS ELIVEN Education Events Choose 4 options to earn $200 (must complete all 4 to receive $200) Option 1: Receive Cigna telephonic coaching to improve a health condition Option 2: Participate in JPS Employee Step Challenge: Feb 20-April 16, 2018 Option 3: Complete Annual Preventive Screening Option 4: Become a Wellness Champion Option 5: Get your flu shot And Earn $100 And Earn $200 And Earn $200 Your Well-Being IMPORTANT Opportunities to stay fit are offered on the main campus: Walk the Blue Line in the basement of the main building Blue line map is available on the Employee Wellness page Green Space Take a walk outside on this beautiful walking path next to the Morphy parking garage View all the possible ways to earn points at jpsenliven.org. Questions? Contact wellness@jpshealth.org. * The awards above are determined at the end of the qualifying JPS ENLIVEN period (9/30/2018) and are based on the total dollars earned between Janaury 1, 2018, and September 30, RETURN TO TABLE OF CONTENTS

20 JPS ENLIVEN Wellness Program ENLIVEN pushes you to participate when we sometimes need a little motivation! In the beginning of any lifestyle change, it is easy to be fired up; but as time passes we lose that drive. It is hard to maintain, and I think striving to reach the goals for the wellness credit helps you to keep going. Each time you attend a class or watch a webinar, you are reminded about the reason that you began the journey in the first place. Brenda Kirk, Diagnostic Imaging Manager, Radiology Administration I was able to take part in the ENLIVEN Journey to Lose Program here at JPS. The experience was great and I have had many positive outcomes. I either learned or reinforced ways to make healthier food choices and increase my daily activity. Getting together once a week to discuss what worked for us the previous week allowed me to learn from others and gain new insights on the ways that others are working to achieve the same goal. Over the six week course, logging exercise and food choices created these actions to become a habit that I have continued to use to further reach new goals that I have set after achieving the ones that I had set at the beginning of the program. Thomas Hunter, Sr. Financial Analyst, Budget and Financial Analysis My 2017 New Year s resolution was to focus on my health, both physical and emotional. I took advantage of our Camp Gladiator discount, Journey to Lose class and numerous seminars. I have lost 10 pounds, my fat has dropped by 4% and I can wear a lot of my older clothes. I am so much stronger physically and mentally! Misty Wallis, Senior Reporting Analyst Knowledge Management, Knowledge Management The Journey to Lose was a spring board for my health. Several months ago I was diagnosed with undefined Lupus and osteoporosis. When I joined Journey to Lose I was 48 pounds heavier than I am today and not taking my health as seriously as I should have. Kristin was my life saver, by encouraging and teaching me to get out and move at least 150 minutes a week, which now seems like nothing. And I can say now getting out and walking is a priority and I will always find the time to get out and walk. I am not on all the previously prescribed medication, which I attribute to Journey to Lose. Marian Oliver, Manager, Inpatient Nursing Case Management, Inpatient Case Management Your Well-Being 20 RETURN TO TABLE OF CONTENTS

21 Employee Assistance Program (EAP) As you go through life, you may be faced with health, personal, family or work-related issues. JPS offers free, confidential counseling and services to help you through these challenging times. An on-site EAP is available to you when any aspect of your life causes you significant concern. Examples include stress, depression, substance abuse, and marital and familyrelated issues. The JPS Employee Assistance Program (EAP) is designed to support a healthier and more productive employee experience by assisting team members and their families with the common, yet sensitive, matters that can affect their lives both on and off the job. Assessment, short-term consultation and referral services are delivered confidentially and at no cost to JPS team members and their immediate families. For more information, please contact the EAP team at Your Journey Schedule an Appointment Call You will be offered an appointment at our Main Campus, Southeast Medical Home or South Campus location, whichever is most convenient. Phone appointments are also available. to Health and Wellness Your Well-Being Checking in With Your Mental Well-Being Jackie is both professional combined with genuine caring. She is by far the best therapist I have ever worked with personally. Her positive energy is a blessing during a dark time. Anonymous Excellent team! They were insightful and supportive, and provided specific direction concerning referral. Jeff brought growth and challenge. Anonymous Our team includes Jeffrey Christie (left), Manager, Employee Assistance Program, and Jacqueline Todd (right), EAP Consultant. The counselor was kind, courteous, very helpful, and looked at me without judgment. She gave me suggestions, helped me come up with a plan, and showed real concern. Anonymous 21 RETURN TO TABLE OF CONTENTS

22 Your Financial Security JPS helps provide you and your family with financial security in the event of illness or accident. JPS also offers multiple retirement savings options to help you plan for your financial future. Because of our benefits, I can plan for my family s future. Enrolling in our pension plan was an opportunity that wasn t offered at any other organization I have worked for. The HR team has answered all my questions related to our retirement plans and I can say that I feel my future is financially secure because of it. Bailey Brown, Recreation Therapy Team Lead, Department of Psychiatry Your Financial Security 22 RETURN TO TABLE OF CONTENTS

23 Short- and Long-Term Disability An illness or injury that keeps you out of work could have a devastating impact on your income. To protect you and your family, JPS offers short-term and long-term disability coverage for eligible team members. Both Short-Term Disability and Long-Term Disability are provided by Lincoln Financial Group. Short-Term Disability Short-Term Disability coverage provides short-term income protection in case you become disabled due to illness or a non-occupational injury. If your disability claim is approved, you will be eligible to receive 60% of your covered salary up to a maximum of $1,000 per week after a 14-day elimination period. During the period you are collecting Short-Term Disability benefits while on eligible leave status, your other benefits (including medical, dental and life insurance) will continue as long as you continue to make the appropriate contributions toward the cost of these plans. Benefits under this program are not decreased by PTO. Calculating Your Per Pay Period Short-Term Disability Premiums Short-Term Disability Per Pay Period Cost Calculator Enter 60% of your salary Your Monthly Cost Salary x 60% Long-Term Disability Your Pay Period Cost In the event you become disabled due to illness or a nonoccupational injury, JPS pays the full cost of LTD coverage. After a 90-day elimination period, if your disability claim is approved, you will be eligible to receive 60% of your covered salary, up to a maximum of $10,000 per month. Benefits under this program will be decreased by any PTO, Social Security or disability benefits received from other sources. Your Financial Security The short-term disability benefit was a huge asset to my family after my daughter was born. This financial stability allowed me to stay home without worrying about meeting our family s everyday expenses. Jordan Costlow, RN PRN, Labor & Delivery 23 RETURN TO TABLE OF CONTENTS

24 Life and Accidental Death and Dismemberment JPS pays the full cost of Basic Life Insurance and Accidental Death and Dismemberment (AD&D) coverage for you. You also have access to supplemental coverages. Basic Life and AD&D Insurance Coverage is equal to one times your annual earnings, which is based on your JPS salary as of January 1 of each year. If you should die while employed with JPS, your Basic Life Insurance is paid to your beneficiary. If your death is related to an accident, your beneficiary receives the full amount of your AD&D insurance in addition to your Basic Life Insurance. Basic Life and AD&D Insurance (JPS pays) Benefit Maximum Benefit $1,000,000 Coverage 1 times your basic annual earnings Buy-Up Life and AD&D Insurance Eligible team members can purchase additional Basic Life and AD&D coverage up to one times your base annual salary. Buy-Up Basic Life and AD&D Insurance (Employee pays) Benefit Maximum Benefit Cost Basic Buy- Up Amount Coverage 1 times your basic annual earnings $1,000,000 (combined basic and buy-up) Buy-Up Basic Life and AD&D rate $.1117 (per $1,000 of covered benefit) Calculating Your Buy-UP Basic Life and AD&D Insurance Cost 1000 = X.1117 = = Your Per Pay Period Cost Supplemental Life For an extra layer of protection, you may add to your Basic Life Insurance by purchasing Supplemental Life Insurance coverage in increments of $25,000 up to a total of $500,000 through Lincoln Financial Group. Supplemental Life Insurance (Employee pays) Benefit Minimum Benefit $25,000 1 Maximum Benefit Guarantee issue at new hire only* Coverage $500,000 (in $25,000 increments) $250,000 (age reductions apply) ¹ May increase by $25,000 during Open Enrollment without evidence of insurability. * Evidence of insurability required for any amount over guarantee issue and any amount greater than $25,000 during Open Enrollment. Supplemental Spouse and Dependent Child Life Insurance You may purchase life insurance protection for your spouse and eligible dependents only after purchasing additional life insurance for yourself. You are automatically the beneficiary for dependent life insurance. Supplemental Life for Individual as well as Spouse and Dependent Child Life Insurance are both purchased on an after-tax basis. Supplemental Dependent Life Insurance (Employee pays) Benefit Spouse Minimum Benefit Maximum Benefit Child(ren) Live birth to 6 months 6 months to 26 years $25,000 Coverage $100,000 (in $25,000 increments) not to exceed 50% of team member s supplemental life insurance or $100,000, whichever is less $1,000 per child $10,000 per child Your Financial Security 24 RETURN TO TABLE OF CONTENTS

25 Supplemental Life and AD&D Premiums (Biweekly) Age Premium for $1,000 of Coverage Per Pay Period Under 25 $ $ $ $ $ $ $ $ $ $ $ $ Children $0.87 per pay period for $10,000 of life insurance for each child enrolled Rates are subject to employee s age and amount of insurance purchased. When calculating spouse life insurance amount, use the employee s age. Calculating Your Supplemental Life Insurance Cost Calculating Your Supplemental Employee Life Insurance Cost Life Insurance Amount 1000 = X rate* = *See table above for your age-based rate. = Your Per Pay Period Cost Calculating Your Spouse s Supplemental Life Insurance Cost Life Insurance Amount 1000 = X rate* = = Your Per Pay Period Cost *See table above for your age based rate. When calculating spouse life insurance amount, use age of employee. Voluntary Universal Life Universal life insurance is a permanent form of life insurance. Coverage lasts the duration of your life. This policy grows cash value at a 3% interest rate. Coverage for yourself, spouse and child(ren) is available. You do not need to complete a medical questionnaire, although a few medical questions are required for spouse coverage. To enroll in the Universal Life Plan, call Lincoln Financial Group at Team Member Spouse Issue Age Guarantee Issue $75,000 $25,000 $25,000 $10,000 Maximum Issue* $300,000 $300,000 $150,000 $150,000 Child(ren)* 0-26 $5,000 or $10,000 $10,000 * Restrictions may apply Critical Illness Critical Illness insurance can pay a lump-sum benefit at the diagnosis of a covered illness from $10,000 - $30,000 for employees and from $5,000 - $15,000 for dependents and you can use the money to cover costs associated with your illness. Covered conditions include heart attack, major organ failure, kidney failure, stroke and cancer. Family coverage is available. Benefits are paid directly to the insured unless specified. Base coverage is guaranteed renewable, as long as premiums are paid when they are due. Accidental Injury Plan This benefit, administered by Lincoln Financial Group, pays for covered accidents while you are on the road to recovery. This coverage provides a lump-sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need. Covered injuries include: Broken bones Emergency room treatment Burns Outpatient surgery treatment Torn ligaments Doctor s office visit Cuts repaired by stitches Hospitalization Coma due to a covered injury Your Financial Security 25 RETURN TO TABLE OF CONTENTS

26 Your Financial Security Your Retirement JPS offers three retirement options as you plan for your future financially. JPS Pension Plan The pension plan is a defined benefit retirement plan that provides a monthly retirement benefit for your lifetime. The benefit in the pension plan is calculated using a formula of 1.4% times your average monthly compensation times your years of benefit service in the plan. The compensation used in this formula is the highest five years of pay out of your last 10 years with JPS. Participation in the pension plan is voluntary for all eligible team members. Eligible team members are those who are at least 21 years of age, have completed one full year of service and have an FTE of.75 or greater. All participants in the pension plan are required to contribute 1% of their prior calendar year W-2 earnings on an after-tax basis. Example: Cynthia s 2015 W-2 form shows she earned $40,000. To enroll in the pension plan, she will contribute 1% of $40,000 or $400. The contribution will be automatically deducted from Cynthia s paycheck in 26 equal payments of $15.38, starting with the second pay period of October Team members who join the pension plan and maintain their eligibility status remain in it until their employment with JPS ends. Team members become fully vested in the pension plan after completing five years of participation in the plan. JPS will contribute the remaining funds necessary to fund your accumulated benefit in the plan. Interested in learning more about retirement or other benefits? Sign up for a session on the JPS intranet in MyNetLearning, or call the JPS Retirement Specialist at RETURN TO TABLE OF CONTENTS

27 Pension Plans A pension plan is a retirement plan that requires an employer to make contributions into a pool of funds set aside for a worker s future benefit. The pool of funds is invested on the employee s behalf, and the tax exempt earnings on the investments generate an income benefit to the worker upon retirement. 403(b) Savings Plan The 403(b) Savings Plan is a voluntary, tax-deferred retirement plan that can help you grow your retirement savings while helping you reduce your taxable earnings. JPS will match an amount equal to 50% of your pre-tax contribution up to 4% of your salary. Eligible team members receive 20% vesting on the employer matching contributions for each year of eligible service completed and will become 100% vested in the JPS employer match contributions after completing five years of eligible service with JPS. The 403(b) plan is administered by Prudential Retirement. Call Prudential at **Note** Acclaim contributions for each physician s retirement plan are stated in their contract agreement. 457 Deferred Compensation Plan Another way to set aside additional income for retirement and defer federal income tax is the 457 Deferred Compensation Plan. The 457 plan is similar to a 403(b) saving plan, except that it does not offer an employer match and does not allow loans. Another difference between a 457 and a 403(b) product is that withdrawals of 457 deferrals are not subject to a 10% federal tax penalty imposed on early withdrawals, should you decide to retire before the age of 55. You can find enrollment information on the JPS intranet. JPS team members already enrolled in the 403(b) or 457 plans can view their current account information online at or call the Prudential Retirement Customer Service Center at DON T FORGET To set up your beneficiary for your Prudential Retirement account, please go to Your Financial Security New Features ROTH contributions are now available on all of the 403(b) and 457(b) Plans Self-directed brokerage is available on all plans GoalMaker is an optional asset allocation tool offered to you at no additional cost. It takes care of choosing the investments for you Access to new tools, resources and a wealth of financial wellness information at jps-acclaim.retirepru.com Consider a Rollover This might be a good time for you to consider moving money from other retirement accounts you may have accumulated from the past to Prudential. Rolling over retirement accounts from previous plans into your Prudential account can make it easier to manage your combined accounts and can potentially cost you less than maintaining them separately. To consolidate your accounts at Prudential, call: , between 8 a.m. and 6 p.m. EST, Monday through Friday. 27 RETURN TO TABLE OF CONTENTS

28 Unique Benefits for You It s all about you and your family and no two families have the same needs. That s why JPS offers a variety of unique benefits that are designed to provide you with the options you need. Unique Benefits for You Your Journey to Health and Wellness Unique Benefits for You JPS Great Beginnings Program gave me realistic and trimester-appropriate goals to achieve throughout my pregnancy. It encouraged me to pursue a more holistic approach to caring for myself and my baby! The rewards allowed me to afford new reading materials, exercise equipment and newborn supplies to care for myself during pregnancy and eventually my baby! Juli Ellis, Certified Medical Assistant, Acclaim Klabzuba 28 RETURN TO TABLE OF CONTENTS

29 Tuition Reimbursement Program The development of our team members is an important part of how JPS continues to make lives better. Team members are encouraged to pursue additional education to advance your career. JPS will reimburse you a portion of the costs associated with taking courses at accredited colleges and universities. Team members may receive up to $4,500 for graduate-level programs. How to Access: Contact learning@jpshealth.org. Degree Amount Doctoral (PhD) $4,500 Master s $4,500 Bachelor s $3,500 Associate s $2,000 Note: Half-time team members who are benefits eligible and meet the other requirements of the program can receive half of the amounts listed above. Programs for New Mothers Cigna Healthy Baby Program The Cigna Healthy Baby Program will provide you with additional resources to guide you through your pregnancy and support you in making healthy choices for yourself and your baby. Once enrolled, you will receive a Mom-to-Be kit with resources, helpful tips and a weekly journal to help you track important information and count down to the arrival of your baby. Through Cigna, you ll have access to an audio library of pregnancy-related topics and online resources to support you during your pregnancy. To begin the Cigna Healthy Baby Program, contact Cigna at JPS Great Beginnings Program The JPS Great Beginnings Program provides you with the opportunity to earn rewards throughout your pregnancy for taking the steps to ensure a healthy pregnancy and baby. Should you choose to use JPS providers for your care, you are eligible to track your pregnancy. To begin the program, download your participation form from the JPS intranet under Human Resources. Mother-Friendly Worksite JPS Health Network is designated by the Texas Department of Health Services as a Mother-Friendly Worksite and is supportive of breastfeeding. Multiple locations are offered to support mothers who want to provide breast milk to their infants after returning to work. Benefits of the Mother Friendly Worksite designation: Offering a flexible work schedule to provide time for expression of milk Providing an accessible, private location Access to a nearby, clean and safe water source, and a sink for washing hands and rinsing equipment Providing access to clean and safe storage alternatives for storing breast milk Make an appointment with a JPS Lactation Consultant by calling Rewards and Recognition Program The JPS Rewards and Recognition Program was designed to provide an engaging platform to attract and retain high performing talent. This program celebrates our team members for milestone service, birthdays, individual gifts/talents, and much more. E-Card: Recognizes team members with notes of thanks, anniversaries, encouragement and/or sympathy. WOW Card: Recognizes team members for demonstrating our efforts to support healthier and better lives through random acts of kindness. Birthday Card: Recognizes team members on their special day. Values I Promote (V.I.P.): Recognizes team members who consistently demonstrate the JPS core values. John Peter Smith Excellence Award: Recognizes the best of the best! These team members consistently provide care beyond their normal responsibilities. Visit the Rewards and Recognition Page of the intranet for more information. Unique Benefits for You Who is eligible? Any employee, spouse or dependent covered on the JPS Cigna medical plan. 29 RETURN TO TABLE OF CONTENTS

30 Unique Family Benefits Tickets to Entertainment and Attractions JPS team members can take advantage of discounts and special offers to popular theme parks and entertainment attractions nationwide! Discounts are available for the Walt Disney World Resort, Universal Studios, SeaWorld, Six Flags, Las Vegas and New York performances and more! How to Access: Visit the Human Resources page on the intranet and select Employee Discounts. Use the JPS company code: JPSHEALTHNETWORK Discounted tickets to the zoo and to Six Flags Over Texas Arlington are available for purchase in person at the main hospital 1500, S. Main Street, 1st floor at the cashier s window across from McDonald s. LegalShield Take the stress and strain of legal and identity theft issues off your shoulders. From the trivial to the traumatic and everything in between, the legal and identity theft protection plans are designed to meet the most common issues encountered by team members and their families. The Legal Plan provides family coverage, unlimited personal legal advice, legal document review and much more. With Identity Theft Protection Plan coverage, you receive unlimited consultation on identity theft matters and identity theft monitoring as well as comprehensive restoration by Kroll. Emergency Employee Assistance Fund Our JPS Foundation provides financial assistance to fulltime team members who have worked for JPS at least six months and for part-time team members who have worked at least one year. Simply complete an application and be in good-standing (no written or final warnings) to receive support for serious life events that would dictate extenuating circumstances for request (i.e. illness, death, divorce, loss of other household income, flood, fire, tornado). How to Access: jpsfoundation@jpshealth.org or call for more information. Unique Benefits for You The special discounts that we receive through our JPS employee benefits gave me the opportunity to see a Broadway show on a recent trip to New York City. Solene Le, Graphic Designer Communications & Community Affairs 30 RETURN TO TABLE OF CONTENTS

31 Transportation Discounts The Fort Worth Transit Authority Easy Ride is available to all team members for unlimited transportation on all DART, TRE, and T rides. Discount vouchers for 25% off are available in Human Resources. To earn the discount on these transportation services, every participant (monthly and annual) should keep their online account up to date, and purchase an Easy Ride pass using the following steps. How to Access: Visit the Human Resources Office located at 1350 S. Main Street, Fort Worth, TX to pick up your Think Green Sheet and attain your discount today! TravelConnectSM TravelConnect is an added benefit for full-time team members through Lincoln Financial Group and is offered to you and your dependents at no cost, through MEDEX. If you are enrolled in any of the Lincoln products, you have access to TravelConnect. The program provides travel, medical and safety-related services when traveling 100 miles or more from home. Services include weather updates, medical evacuation, dependent child transportation, medical assistance, and security and political evacuation. How to Access: Contact TravelConnect at and provide the Employer ID number or go to Unique Financial Planning Our Heroes BBVA Compass banking privileges As members of the military, health care, education, law enforcement and fire department, you give back to your community every day. For your enormous contributions, we say thank you by offering all the benefits of a BBVA Compass ClearChoice Checking for Everyday Heroes Account with no monthly service charge. We also want to show our appreciation with BBVA Compass banking privileges. BBVA Compass ClearChoice Savings: Maintain a minimum daily collected balance of $500 or more, or make a $25 automatic recurring monthly transfer from your BBVA Compass checking account to your BBVA Compass ClearChoice savings account to avoid the quarterly service charge on your BBVA Compass ClearChoice savings account. Credit Cards: If you open a new ClearPoints or VISA Signature credit card within 60 days of opening a new Everyday Heroes checking account, you can get a 5,000 CompassPoints bonus when you make $500 in qualifying purchases within 30 days after opening the credit card. Simplified Line of Credit : If you open a new Simplified Line of Credit (SLOC) within 60 days of opening a new Everyday Heroes checking account, you can receive a $100 SLOC account credit if you make your first $1,000 advance within 30 days after opening the Simplified Line of Credit. Mortgages: See how a Home Ownership Made Easier mortgage (HOME) can bring the dream of homeownership to you. We have made it easier to qualify with lower credit score requirements, no Private Mortgage Insurance and no income limits when the property is located in a low or moderate income census tract. Unique Benefits for You Consumer Loans: Receive a.25% (25 basis points) interest rate discount off of standard rates for an auto, boat, motorcycle, RV or other depreciating collateral loan. Home Equity Lines and Loans: Everyday Heroes receive a 0.25% (25 basis points) rate discount off our standard rates on Home Equity loans and lines of credit. Signature Express Loan: Enjoy a 0.25% (25 basis points) interest rate discount on loan amounts from $2,000 to $100,000 and, the best part is, loan amounts up to $25,000 can potentially receive credit notification and funding the same day. Only your signature is needed. It s that easy. How to Access: For a complete list of these banking privileges, visit the Employee Benefits section of the HR intranet. Visit or contact COMPASS. 31 RETURN TO TABLE OF CONTENTS

32 JP S Foundation The Hour Hospital campaign asks all employees in the JPS Health Network to give one hour of their time per pay period (at their hourly rate) to the JPS Foundation in order to directly improve our hospital s most pressing needs including program support, employee assistance and improved patient care. Sign up is easy through Open Enrollment. Our goal is 100% participation. Because we own it here at JPS, we know that together we can improve our Hospital. To learn more about how to participate in Hour Hospital or the JPS Foundation, please visit or call Making Benefits Work for You. Life happens to us all, regardless of our situation, and we have the opportunity to help right here. It makes me feel good to do whatever I can knowing every bit helps. Angie Morgan, Director Construction, Design and Construction 32 RETURN TO TABLE OF CONTENTS

33 Special Notices and References Please review the following notices to learn more about your special rights. Your Journey to Health and Wellness Special Notes and References As an Army Veteran, married to a veteran, we have always gone to the VA Hospital for our care. It never occurred to us that we would be better off somewhere else, but I gave JPS a try. I was amazed at how well they cared for me...we feel that it s time for a change in who manages our healthcare, so we have chosen JPS. J.C. Newell, Network Recalls Manager, Document Control 33 RETURN TO TABLE OF CONTENTS