VillageVitality.DaVita.com / 1-800-381-7063 2014 BENEFITS ENROLLMENT GUIDE Make your elections November 4 22, 2013
DaVita s Open Enrollment, Nov. 4 22, 2013 VillageVitality.DaVita.com / 1-800-381-7063 Table of Contents 2014 Changes page 2 2014 Premiums / Cigna Plan Comparison page 3-4 Vitality Points / DVA Charitable Programs page 5-6 2014 Benefits Summary page 7 Important Dates/Deadlines Make 2014 Open Enrollment Elections Nov. 4 22 Complete Vitality Points Healthy Actions Dec. 31 Paid Time Off Cash-Out Election Dec. 31 Employee Stock Purchase Plan Election Dec. 2 31 If you don t make elections during open enrollment your Health, Dental, Vision, Life and Disability elections will default to those in effect Dec. 31, 2013. Flexible Spending Account (Medical and Dependent Care) & Health Savings Account (HSA) elections will default to $0. Benefits Training WebEx Login: > dva.webex.com > Meeting Center > Select meeting title > Meeting password: ilovebenefits Call in # provided during WebEx login Don t miss Open Enrollment WebEx Training Training Topic Mon. Nov. 4 Wed. Nov. 6 Tue. Nov. 12 Thur. Nov. 14 2014 Benefit Plan Changes & Highlights 9 a.m. 1 p.m. 2 p.m. 10 a.m. 2014 Total Benefit Review 10 a.m. 2 p.m. 1 p.m. 9 a.m. Understanding Consumer Driven Accounts (FSA/HRA/HSA) Healthcare Consumerism: Compare Coverage, Cost, Providers & Quality WebEx Training Schedule (MST) 1 p.m. 9 a.m. 10 a.m. 2 p.m. 2 p.m. 10 a.m. 9 a.m. 1 p.m. All courses are available on StarLearning. Search BEN in course catalog. 1
2014 Changes Federal Updates Health Care Reform Same-Sex Spouses Domestic Partners All individuals will be required by law to have health coverage beginning Jan. 1, 2014 Health plan participants will pay reinsurance tax (see page 3) Additional information on Health Care Reform was sent to homes in September Same-sex legal spouses, regardless of state residency, will be treated the same as opposite-sex spouses for benefit purposes. This means as of Jan. 1, 2014 same sex spouses will be eligible for: - Pre-tax benefit premiums; no more federal imputed income - Flexible Spending Account and HRA reimbursement - DaVita Health Savings Account contribution All spouses are still subject to dependent verification; marriage certificate, affidavit of common law marriage, and other documentation requirements Domestic partners are still subject to imputed income and dependent verification DaVita HSA contributions are still provided to teammates only. Medical expenses incurred for a Domestic Partner may not be reimbursable from these Accounts under Federal law Cigna Plans Cigna PPO Dental Cigna All Medical Plans Cigna Basic PPO and PPO w/hra Plan Life Insurance Dental implants will be added to covered benefits and subject to annual plan limits Chiropractic out-of-network services will no longer be covered Emergency Room co-pays will increase (all co-pays waived if admitted) $150 co-pay for life-threatening conditions/$300 co-pay for non-life-threatening conditions Deductible and co-insurance still apply after co-pay Basic coverage will be reduced Other Benefit Plan Changes Full time: from 1.5 x salary to 1 x salary / Part time: from.75 x salary to.5 x salary Supplemental coverage for the reduced amount is available without being subject to Evidence of Insurability; during 2014 open enrollment only Did you know, only 10 % of teammates have elected a beneficiary? Make sure your beneficiary information is up to date for both: 1. Life Insurance: VillageVitality.DaVita.com 2. 401(k): troweprice.com Vitality Points 401(k) Spouses/domestic partners participating in a 2014 DaVita health plan are eligible for points Completion date extended to Dec. 31, 2013 Auto Escalate will be effective Jan. 1, 2014, for active participants only This means annual deferral elections automatically increase by 1% each year (max 10%) Participants may opt out of this feature at any time More information from T. Rowe Price coming soon 2
2014 Base Premiums Base Health premiums assume ALL 800 (or 1,600 with Spouse) Vitality Points have been earned. HEALTH Cigna High Deductible Health Plan (HDHP) with Health Savings Account (HSA) ONLY FULL-TIME (PER PAY PERIOD) + SPOUSE + CHILD(REN) FAMILY $29.61 $76.27 $75.57 $113.63 PLAN FEATURES Free preventive generic Rx HSA automatically funded by DaVita HSA funds available Jan. 1, 2014 Cigna PPO with Health Reimbursement Account (HRA) $36.04 $81.43 $80.09 $122.30 Free preventive generic Rx HRA funded by DaVita (salary based) Cigna Basic PPO $65.49 $148.29 $145.27 $232.89 Highest premium, lowest deductible Kaiser & Group Health* $59.16 $134.26 $130.92 $211.34 Regional plans only available in certain states BCBS of Alabama $59.16 $134.26 $130.92 $211.34 Available in Alabama only Empire Blue Cross $76.48 $168.70 $165.15 $263.48 Available in some New York counties Part-time premium is Full-time premium x 2 * Excludes Kaiser-HI DENTAL ONLY FULL-TIME AND PART-TIME (PER PAY PERIOD) + SPOUSE + CHILD(REN) FAMILY CIGNA PPO $17.21 $36.99 $34.40 $52.98 CIGNA DMO $9.61 $19.25 $19.99 $30.78 Aetna DMO $10.30 $22.14 $20.60 $31.72 VISION VSP $3.13 $5.00 $5.10 $8.23 Health Care Reform Additional Tax Beginning 2014, the Federal government is imposing a new tax on health plans. This tax will be used to help cover costs associated with Health Care Reform. It will be in place for the next three years and passed on to medical plan participants. Bi-weekly Amount Only $2.42 +Spouse $4.85 +Child $7.27 Family $9.69 Castlight Healthcare shopping tool available January 2014. Locate providers Compare cost Compare quality And more Provider Quality Pre-register during open enrollment and be entered to WIN 2014 teammate health insurance for up to one year. Two ways to pre-register: 1. Link from Benefits Website, or 2. mycastlight.com/davita Castlight is provided free of charge to DaVita teammates and their adult family members enrolled in a Cigna health plan for 2014. 3
2014 Cigna Health Plan Comparison IN-NETWORK COVERAGE ONLY BASIC PPO PPO WITH HEALTH REIMBURSEMENT ACCOUNT (HRA) HDHP WITH HEALTH SAVINGS ACCOUNT (HSA) Deductible Out-Of-Pocket Max Individual: $500 Family: $1,000 Individual: $1,000 Family: $2,000 Individual: $1,500 Family: $3,000 Individual: $3,000 for all plans Family: $6,000 for all plans Includes deductible Preventive Care 100% Office Visits In/Outpatient Free Rx, Generic Mail-Order Not Available 80% after deductible 80% after deductible Over 300 FREE preventive generic medications Rx, 30-Day Supply Rx Mail-Order Only, 90-Day Supply $5 Generics / 30% Preferred / 40% Non-Preferred, $100 Max Per Rx / Does not count toward deductible $10 / 25% / 35% $250 Max Per Rx / Does not count toward deductible 20% after deductible for all drugs ANNUAL DAVITA SALARY ONLY + SPOUSE + CHILD(REN) FAMILY less than $30,000 $500 $650 $650 $800 Health Savings Account (HSA) DaVita Funding Not Available $30,000- $50,000 $50,000 or above $250 $325 $325 $400 $0, but all teammates eligible to participate in this plan Only: $600 + Spouse: $900 + Child(ren): $900 Family: $1,200 Health Reimbursement Account (HRA) funding based on annual salary* as of October 1, 2013 Detailed plan information for all regional plans including Kaiser, Group Health and Blue Cross are available on the benefits site. *Annual Salary is based on hourly rate and standard work hours, as of 10/1/13. 4
PEOPLE SERVICES Vitality Points Vitality Points is DaVita s wellness incentive program that encourages health awareness and accountability, while rewarding you for taking action. When participants complete healthy actions they automatically earn Vitality Points, ensuring they pay the base medical premium in 2014. DEADLINE TO COMPLETE HEALTHY ACTIONS EXTENDED TO DEC. 31, 2013! Vitality Points eligibility is based on previous DaVita health plan participation and benefits start date.. HEALTHY ACTIONS All Healthy Actions must be completed by Dec. 31, 2013 to save on 2014 health insurance premiums. DAVITA HEALTH PLAN PARTICIPATION In both 2012 and 2013* Teammates Can Earn All Spouses Can Earn LIVE TOBACCO FREE/or complete a Tobacco Cessation program 100 points/ $100 100 points/ $100 COMPLETE A VITALITY SCREENING 200 points/ $200 200 points/ $200 ACHIEVE HEALTHY MEASUREMENTS *2013 health plan participants automatically awarded Healthy Measurement points after completing a Vitality Screening. Didn t Meet Healthy Measurements? Complete coaching calls before Dec. 31, 2013 to earn your points. Call a Cigna Wellness Coach today! 1-855-BE-WELL-1 Up to 400 points/ Up to $400 Automatically awarded 400 points/ $400 FINISH EARLY Complete the Tobacco and Vitality Screening by Sept. 30, 2013 to earn Early Completion points. 100 points/ $100 100 points/ $100 Total Annual Impact = $800 = $800 Additional Amount You ll Pay Per Paycheck* (if no healthy actions completed) = $30.77 = $30.77 IMPORTANT: *Incomplete Healthy Actions will appear as a separate paycheck deduction from 2014 health premiums. Points are available to all teammates, spouses and domestic partners participating in a DaVita health plan. If you think you might be unable to meet a standard for a reward under this program, contact VillageVitality.DaVita.com and we will work with you. 5
DaVita Village Network Financial help for teammates when it s needed most. Help to offset costs not covered by insurance Food, lodging and clothing after a natural disaster Financial assistance due to military deployment Memorial grants in honor of deceased teammates DVN donations are also used to meet other community needs through local programs aligned with supporting teammates and their families as well as other worthy causes outside the Village. Contact davitavillagenetwork@davita.com to get started DaVita Village Trust NEW! DaVita Open Enrollment Nov. 4 22, 2013 VillageVitality.DaVita.com 1-800-381-7063 Open Enrollment Checklist Deadline Nov. 22, 2013 Pre-register for Castlight Elect Health, Dental, Vision, Disability and Life Insurance, and Flexible Spending Accounts Add or Drop Dependents Print Confirmation Statement Deadline Dec. 31, 2013 PTO Cash-out Election Two great causes under one umbrella! Now you can contribute to both causes at one time. & Jan. 1, 2014, The Kidney TRUST and Bridge of Life-DaVita Medical Missions will automatically go into the DaVita Village Trust. Donations can be changed or discontinued at any time. Record Tobacco Status Complete Vitality Screening Complete Coaching Calls (if you don t meet Healthy Measurements) Employee Stock Purchase Plan (ESPP) Election (additional enrollment period June 1 30, 2014) Elect or Change Anytime DaVita Charitable Donations We Are Well Is Back for the 3rd year! You could WIN free Teammate Health Insurance in 2014! The We Are Well Award will recognize up to 40 teammates who are doing the right things for their health. Send us your story by Nov. 30, 2013. Applications available on: VillageWeb > People Services Portal > Village Vitality. DaVita Village Network (DVN) DaVita Political Action Committee (DaPAC) NEW! DaVita Village Trust Dialysis Patient Citizens (DPC) 401(k) Deferral Elections Designate Life Insurance and 401(k) Beneficiaries Health Savings Account (HSA) Contribution Stanley Langhofer, Regional Operations Director for Apex 6
7 Medical Cigna HDHP w/health Savings Account (HSA) Cigna PPO w/health Reimbursement Account (HRA) Cigna Basic PPO Vitality Points A wellness incentive program that encourages health awareness and accountability Life and Accidental Death & Dismemberment (AD&D) 1 times annual base salary Voluntary Life and AD&D Voluntary teammate Life and AD&D Insurance Voluntary spouse and child Life Insurance Triple Crown Profit Sharing Program Recognizing teammates and sharing profits when the company does well 2014 DaVita Benefits Summary Summary for full-time teammates. Eligibility requirements, coverage and cost available at VillageVitality.DaVita.com Education Assistance Paid Time Off (PTO) Little Star Gift Kaiser HMO (designated areas only) GHC (East and West Washington) Blue Cross Blue Shield of Alabama Empire Blue Cross (New York) Flexible Spending Accounts (FSA) Healthcare Spending Account Dependent Care Spending Account Short-Term Disability 60% of weekly earnings; up to $1,000/week Voluntary Short-Term Disability Option to purchase additional 15% of coverage, up to 75% of weekly earnings, total max $1,250/week 401(k) Retirement Savings Plan Offers pre-tax payroll deductions toward retirement savings Other DaVita Benefits Adoption Assistance Village Care Village Market Place Dental Cigna PPO & DMO Aetna DMO Vision Vision Service Plan Employee Assistance Program Confidential toll-free hotline for counseling, information & referrals to a wide range of services, 1-855-BE-WELL-1 Long-Term Disability 50% of monthly earnings; up to $10,000/month Voluntary Long-Term Disability Option to purchase an additional 10% of coverage, up to 60% of monthly earnings, total max $12,500/month Employee Stock Purchase Plan (ESPP) An opportunity for teammates to purchase company stock at a discounted price Home & Auto Insurance Legal Services Pet Insurance The information in this guide provides details about the changes and benefit programs for 2014. A comprehensive description of benefits is available on VillageVitality.DaVita.com. This Guide applies only to certain teammates. If you are employed by HealthCare Partners LLC, Paladina Health LLC, or any of their subsidiaries, this Guide does not apply to you. This Guide is just a short summary of the benefits that may be available to you as a teammate. In order to be eligible to participate in a benefit option, you must meet the eligibility and participation requirements in the plan. If any provisions in this Guide are inconsistent with the language of any benefit Summary Plan Description (SPD), the language of the benefit SPD will always take precedence. VillageVitality.DaVita.com 1-800-381-7063 2013 DaVita Inc. All rights reserved.