Choices as unique as you are

2018 Benefits It s time to choose your benefits. To get started, use the checklist inside and also visit bswhbenefits.com. Choices as unique as you are

Eligibility We offer a full menu of benefits to eligible employees and their families. You have 30 days from your hire date to enroll in plans so be sure to take a close look and make choices before the deadline. You re eligible for medical, dental, vision, flexible spending accounts, disability, life and AD&D insurance if you re: A full-time employee regularly scheduled to work at least 60 hours per pay period (includes TDA employees) A part-time employee regularly scheduled to work 40 hours but fewer than 60 hours per pay period. Your spouse and children are eligible too within certain guidelines. Visit our benefits website bswhbenefits.com to learn more. Additionally, all employees (full time, part time and PRN) are eligible to participate in retirement plans from your first day of employment. 1 2018 Benefits

Medical Coverage Your personal benefits counselor! For more details on each of the plans, please visit bswhbenefits.com. While you re there, ask ALEX to help you choose the right plan for you and your family! Learn more on page 10. All three of our plans the HRA, HSA and PPO include premiums, deductibles, copayments, coinsurance and out-of-pocket maximums. Each plan has the same provider networks, pharmacy formulary and covered services. The main difference is how you pay for care. Remember that with all three plans, you ll get quality care at an affordable price when you stick with our exclusive Tier 1 network of providers. Health Reimbursement Account (HRA) Plan This is a great plan for those who want to take a more active role in managing their care and like getting money from Baylor Scott & White to help. There is a higher deductible, but the HRA dollars help offset certain copays and deductible expenses. The new copays are an added plus! Your HRA helps you meet your deductible and out-of-pocket maximum. Subtract your HRA from the out-of-pocket maximum to see the most you will pay from your own pocket. How You Pay for Care: Baylor Scott & White contributes between $1,000 $2,000 to your HRA. This money pays for your care. Once it s gone, you pay from your pocket until you reach your deductible. Keep in mind that you can t contribute your own money to the HRA, but you can set up an FSA to use once your HRA is depleted. Did you know? The HRA and PPO plans feature embedded deductibles. You receive after-deductible coverage once you have met the individual deductible, even if you haven t met the family deductible. It s one of the best things about these plans. Another way we ve got you covered! The HSA plan does not include embedded deductibles due to Internal Revenue Service requirements. Deductible: Lab work, imaging, outpatient procedures, etc., count toward your deductible. The money in your HRA helps offset the cost. Copays: Tier 1 office visit copays are paid from your HRA funds. Tier 2 office visit copays are paid from your pocket with the exception of emergency care. Prescriptions: You pay copays for prescriptions (as low as $3 $5 for generics). Prescription expenses are not paid by your HRA. Unused Dollars: Money left in your HRA carries forward to the following year when you stick with the HRA plan. Unused dollars are forfeited upon retirement or termination. An HRA rollover maximum, equal to two times your annual Tier 1 deductible, will apply, effective Dec. 31, 2018. 2 2018 Benefits

Choose the right plan to balance your unique life. Health Savings Account (HSA) Plan This plan works well for those who want an added way to defer pretax dollars for future healthcare expenses (including in retirement). It is also a great plan for those who want to take a more active role in managing their healthcare. When you invest your funds and contribute your own dollars, this plan has real value! Employees with high pharmacy costs or those who are not used to managing a high-deductible plan should carefully research this plan before selecting. How You Pay for Care: Baylor Scott & White contributes between $500 $1,000 to help jumpstart your HSA account. You can contribute your own money to your HSA through pretax payroll deductions. Call PeoplePlace at 844-417-5223, any time during the year to increase or decrease your contribution. Deductible: You meet your deductible by paying 100% of the contracted rate for office visits, prescriptions, urgent care visits, lab work, imaging, etc. Copays: Copays are not available with this plan, except for prescriptions after you meet your deductible. Prescriptions: You are responsible for 100% of your prescription costs until you meet your deductible. Once your deductible is met, you pay copays for prescriptions (as low as $3 $5 for generics). Preferred Provider Organization (PPO) Plan This plan works well for those who want a lower deductible and the assurance of copays for office visits and most pharmacy costs. Employees who select this plan do not mind a trade-off for higher premiums (paycheck costs). How You Pay for Care: There are no funded accounts from Baylor Scott & White to help pay for your medical expenses. You pay for care from your pocket. Deductible: This plan offers a lower deductible than the other two plans. You meet your deductible with lab work, imaging, outpatient procedures, etc. Copays: You pay copays from your pocket for office visits, prescriptions, urgent care visits and the first visit to the emergency room for you and each of your covered dependents. Prescriptions: You pay copays for prescriptions (as low as $3 $5 for generics). Unused Dollars: Money left in your HSA carries forward to the following year even if you change plans. Unused dollars go with you upon retirement or termination. 3 2018 Benefits

Medical Plan Coverage and Costs Medical Plan HRA HSA PPO Network Tier 1 Preferred Tier 2 National Tier 3 OON Tier 1 Preferred Tier 2 National Tier 3 OON Tier 1 Preferred Tier 2 National Tier 3 OON Baylor Scott & White Contribution to Account Pays for Medical Costs Only Pays Medical and Costs N/A Employee only $1,000 $500 N/A Employee + spouse $1,750 $1,000 N/A Employee + child(ren) $1,750 $1,000 N/A Employee + family $2,000 $1,000 N/A Deductible Only Medical Costs Apply Medical and Costs Apply Only Medical Costs Apply Employee only $2,000 $3,000 $4,000 $2,000 $3,000 $4,000 $800 $1,800 $3,000 Employee + spouse $3,750* $5,750* $8,000* $4,000 $6,000 $8,000 $1,600* $3,600* $6,000* Employee + child(ren) $3,250* $5,250* $8,000* $4,000 $6,000 $8,000 $1,200* $3,200* $6,000* Employee + family $4,000* $6,000* $8,000* $4,000 $6,000 $8,000 $1,600* $3,600* $6,000* Out-of-Pocket Maximum For Medical and Costs For Medical and Costs For Medical and Costs Employee only $3,425 $6,850 No limit $3,275 $6,550 No limit $3,300 $6,850 No limit Employee + spouse $6,850** $13,700** No limit $6,550** $13,100** No limit $6,600** $13,700** No limit Employee + child(ren) $5,137** $10,275** No limit $6,550** $13,100** No limit $4,950** $10,275** No limit Employee + family $6,850** $13,700** No limit $6,550** $13,100** No limit $6,600** $13,700** No limit Your Cost for Care and Services Preventive care $0 $0 Not covered $0 $0 Not covered $0 $0 Not covered Primary care physician office visit $25 $75 70% AD 10% AD 50% AD 70% AD $25 $70 70% AD Specialist office visit $50 $100 70% AD 10% AD 50% AD 70% AD $40 $100 70% AD Urgent care office visit $50 $100 $100 10% AD 50% AD 50% AD $50 $100 $100 Emergency room visit 1 visit: $250, 2+ visits: 10% AD 1 visit: $250, 2+ visits: 10% AD 1 visit: $250, 2+ visits: 10% AD 10% AD 10% AD 10% AD 1 visit: $250, 2+ visits: 10% AD 1 visit: $250, 2+ visits: 10% AD 1 visit: $250, 2+ visits: 10% AD Hospital inpatient/outpatient care 10% AD 50% AD 70% AD 10% AD 50% AD 70% AD 10% AD 50% AD 70% AD Your Cost for Prescription Drugs HRA and Deductibles Don t Apply Cost After You ve Met Deductible Deductibles Don t Apply BSWH Contracted BSWH Contracted BSWH Contracted Preferred generic $3 or $6^ $5 $3 or $6^ AD $5 AD $3 or $6^ $5 Preferred brand $35 or $70^ $50 $35 or $70^ AD $50 AD $35 or $70^ $50 Chronic and preventive $10 or $20^ $20 $10 or $20^ AD $20 AD $10 or $20^ $20 Non-preferred brand and generic Lesser of $50/$100^ or 50% Lesser of $75 or 50% Lesser of $50/$100^ or 50% AD Lesser of $75 or 50% AD Lesser of $50/$100^ or 50% Lesser of $75 or 50% Specialty 20% ($200 max) Not covered 20% ($200 max) AD Not covered 20% ($200 max) Not covered Non-formulary unless excluded^^ 50% 50% 50% AD 50% AD 50% 50% AD means after you ve met your deductible. You can use your HRA dollars for all expenses incurred under the Tier 1 network. Tier 2 and Tier 3 office visits to a primary care physician, specialist and urgent care are not eligible for HRA payment. * These are embedded deductibles. The plan provides after-deductible coverage once you have met the individual deductible, even if you haven t met the family deductible. ** These are embedded out-of-pocket maximums. Once you have met the individual out-of-pocket maximum, the plan covers 100% of your eligible costs, even if you haven t met the family out-of-pocket maximum. Services must be coded as preventative care to be paid at 100%. Please see bswh.swhp.org for a complete list of covered preventative care services. To help make some frequently prescribed preferred brand drugs for asthma, diabetes and some other chronic conditions more affordable, we ve placed a select group on a special chronic and preventive medication list. Find the complete list on bswh.swhp.org. ^ This is your cost for a 90-day supply. ^^ Excluded medications include cosmetic, over the counter, herbals, and others as described in the Summary Plan Description. Certain non-formulary drugs are covered at specific levels at all BSWH and contracted pharmacies: Fertility drugs are covered at 20% with a maximum $400 copay and a $7,500 lifetime maximum pharmacy benefit. Diabetic testing supplies, including meters, test strips and lancets, are covered and subject to copays and coinsurance. Thirty-day supplies of generic proton pump inhibitors are covered at 50%. (Ninety-day supplies are available at BSWH pharmacies.) 4 2018 Benefits

Medical Premiums per Pay Period (premiums listed do not reflect $30 Thrive wellness credit) Coverage Level Your Pay HRA HSA PPO Employee only Up to $13/hour $50 $43 $68 Over $13 to $25/hour $77 $65 $89 Over $25 to $48/hour $84 $73 $103 Over $48/hour $100 $90 $125 Employee + spouse Up to $13/hour $92 $83 $130 Over $13 to $25/hour $155 $140 $210 Over $25 to $48/hour $170 $150 $230 Over $48/hour $190 $175 $266 Employee + child(ren) Up to $13/hour $90 $83 $127 Over $13 to $25/hour $139 $118 $175 Over $25 to $48/hour $150 $129 $200 Over $48/hour $168 $148 $227 Employee + family Up to $13/hour $132 $114 $185 Over $13 to $25/hour $205 $180 $264 Over $25 to $48/hour $215 $200 $305 Over $48/hour $240 $235 $340 Part-Time Employees Dental Medical Plan HRA HSA PPO Coverage Level MetLife Dental PPO MetLife Dental PPO Plus Employee only $118.62 $118.62 $231.60 Employee only $8.50 $16.89 Employee + spouse $300.00 $300.00 $403.52 Employee + spouse $17.03 $32.94 Employee + child(ren) $220.84 $220.84 $393.97 Employee + child(ren) $22.79 $42.39 Employee + family $351.23 $351.23 $594.88 Employee + family $28.91 $58.44 Vision Earn Wellness Credits Participate in Thrive to earn a $30 wellness credit each pay period you can use it to reduce the cost of your premium! Learn more at bswhbenefits.com. Coverage Level Superior Employee only $3.20 Employee + spouse $6.35 Employee + child(ren) $6.23 Employee + family $9.46 5 2018 Benefits

401(k): Invest in Tomorrow While you re reviewing your benefits, it s a good idea to check on your retirement savings. Keep in mind that you can sign up, make changes and adjust your retirement savings account anytime during the year. Start saving today! To learn more about your retirement plan with Empower Retirement, visit bswhretirement.com or click Retirement in PeoplePlace. To talk with an Empower representative, please call 844-722-2794 between 8 a.m. and 7 p.m. Central. Participating is simple. You choose a percentage of your salary to save (you can contribute 1% to 50% of your eligible pay up to the IRS limit). We subtract that amount each pay period and deposit the funds in your 401(k) retirement account. Because we want your retirement savings to grow, we match your contribution dollar for dollar up to the first 5% of your eligible pay. You are always 100% vested in your own contributions; matching contributions vest in the after three years of employment. Match contributions for 403(b) elections are made into the 401(k) for CTX physicians. Note: Catch-up contributions are not eligible for employer match. The compensation limit is $275,000 for 2018. Seasoned saver? Visit bswhretirement.com or click Retirement in PeoplePlace after you ve made your 2018 elections. Review your current savings to see if you re on track to meet your future needs. The site helps you: See how much income you may have in retirement Make changes to improve your retirement security View your Lifetime Income Score summary Enroll in auto increase to make saving easier Make additional catch-up contributions (if you are 50, or will turn 50 in 2018*) *If you turn 50 in 2018, you can begin your catch-up contribution in January 2018. Not participating? Sign up for your retirement plan anytime by visiting bswhretirement.com or by clicking Retirement in PeoplePlace. It only takes a few minutes. 2018 Annual IRS Limits Annual before-tax and Roth (after-tax) contribution limit is $18,500. You can save an additional $6,000 if you are eligible for catch-up. 6 2018 Benefits

Ways to Save There are two options to choose from when saving up for your retirement: Eligibility and retirement program options may vary for certain executive and physician roles. 1 2 401(k) before-tax contributions & Roth (after-tax) contributions Catch-up contributions (age 50 and over) - 401(k) before-tax & Roth (after-tax) contributions. Note: Requires a separate election with Empower. If you turn 50 in 2018, you can begin your catch-up contribution in January 2018. Investing your savings. As you accrue your retirement savings, you have options as to how you can invest your money. Choose the option that works best for you and reach your highest earning potential. Target Date Funds Set it and forget it with a diversified portfolio based on when you plan to retire (typically age 65). With this option, your investment mix gradually shifts from more aggressive to more conservative as you approach retirement. Individual Funds Create your own portfolio to match your risk tolerance and investment goals. This option lets you choose your investment lineup from a wide variety of core funds. Be sure to check out the free online investment advice provided by Financial Engines. Managed Account Program Let someone help and manage your individualized portfolio. With this option, you provide Financial Engines with your personal information. They then create and manage it on an ongoing basis for a fee. Self-Directed Brokerage Accounts Are you an investment pro? Brokerage accounts are intended for knowledgeable investors. For an annual fee, you can select numerous investment options (beyond those offered under the plan). If you participated in another retirement account during the year: Consider rolling over your other 401(k) account balance(s). You might be able to carry over outstanding loan(s) associated with those accounts. Check with Empower to explore your options. Take your other retirement savings into account when electing your contribution percentage. It s up to you to ensure you don t exceed the IRS limits. There s an app for that! The new Empower Retirement app currently available on iphone or Apple Watch allows you to view and manage your plan anywhere, anytime. Download the app on the Apple App Store by searching for Empower Retirement. Note: Be sure to designate your beneficiaries in each plan you are eligible to participate. 7 2018 Benefits

Here s a checklist to help you keep track of your benefits decisions. Decision 1: Medical Coverage Choose from the Health Reimbursement Account (HRA) plan, Health Savings Account (HSA) plan or Preferred Provider Organization (PPO) plan. Each plan has the same provider networks, pharmacy formulary and covered services. The main difference is how you pay for care. Decision 2: Dental Coverage Choose from two optional plans to help cover dental costs for you and your family: the MetLife Dental PPO and the MetLife Dental PPO Plus. Decision 3: Vision Coverage We offer an optional vision plan administered by Superior Vision. It covers routine exams, lenses, frames and contacts. You pay less when you stick with the Superior Vision network. Decision 4: Flexible Spending Accounts (FSAs) These accounts let you set aside pretax dollars to pay for eligible expenses. Use the dependent day care FSA to pay for child or elder care. Use the general-purpose FSA to pay your share of medical, dental and vision costs. The general-purpose FSA can accompany the HRA or PPO plans. Use it after your HRA is gone to help pay the rest of your deductible. The limitedpurpose FSA can accompany the HSA plan. Use the limited-purpose FSA to pay your share of dental and vision costs until your deductible has been met. After the deductible has been met, use this account to pay for medical costs too. Decision 5: Life Insurance For most employees,* we provide basic life insurance that pays your beneficiary an amount equal to one times your annual base salary ($20,000 minimum; $1 million maximum). If you desire additional coverage, you can purchase voluntary life insurance coverage for you, your spouse and children. Decision 6: AD&D Insurance For most employees,* we provide basic accidental death and dismemberment (AD&D) insurance equal to one times your base pay ($20,000 minimum; $1 million maximum). If you desire additional coverage, you can purchase voluntary AD&D coverage for you, your spouse and children. Decision 7: Short-Term Disability Insurance Short-term disability insurance pays a portion of your salary if you re sick or injured or add a child to your family. Keep in mind that you must purchase short-term disability to receive parental leave benefits. Decision 8: Long-Term Disability Insurance For most employees,* we provide basic long-term disability insurance that pays 60% of your base pay, up to $15,000 a month. You can purchase additional coverage to increase your benefit to 70% of your base salary, up to $15,000 a month. Decision 9: Legal Services You can purchase coverage with Hyatt Legal Services to help with a wide range of personal legal matters. Get access to a network of attorneys to handle real estate sales or purchases, adoptions, creating a will and much more. You can secure coverage for yourself or for yourself and your family. Decision 10: Retirement Contributions Now is a good time to review your retirement contributions. Make sure you re receiving the full 5% match and consider enrolling in auto increase to make saving even easier. If you are currently over 50 or turning 50 in 2018, you can make additional catch-up contributions. Keep in mind that you can make changes to your retirement savings plan at any time. *Other coverage levels for life, AD&D and disability are available for certain executive and physician roles and are visible in the PeoplePlace enrollment system. 8 2018 Benefits

We re here to help! Benefits on the go! The MyBSWHealth app is an easy and convenient way to manage your healthcare and access your health benefits on the go. Find providers, view claims, register for E-Visits and more! Get the latest MyBSWHealth app on the Apple App Store or Google Play today. Find a Tier 1 Provider Baylor Scott & White Quality Alliance Health Access Line Click bswh.swhp.org and click Find a Provider Talk 844-279-7589 App MyBSWHealth App Questions about Pay, Benefits, Paid Time Off, Disability or Leave PeoplePlace Click mypeopleplace.com Talk 844-417-5223 Questions about Medical and Prescription Drug Coverage or Your Personal Claims and Account Information Scott and White Health Plan Click bswh.swhp.org Talk 844-843-3229 (dedicated employee line) App MyBSWHealth App? Questions about Retirement Empower Retirement Click bswhretirement.com Talk 844-722-2794 App Empower Retirement 9 2018 Benefits

How to Enroll Once you re ready to enroll, just follow these steps: 1. Log in to PeoplePlace. 2. Click Benefit Details. 3. Click Benefits Enrollment. 4. Click Select to choose your 2018 benefits and add or update your dependents and beneficiaries. 5. Click Save and Continue to accept your final choices. 6. Click Submit to finalize your choices. Looking for more? Additional information is available at bswhbenefits.com, a fully optimized website for smart phones and mobile devices. This means you can explore your benefits at home, at soccer practice any time you ve got time, bswhbenefits.com is ready for you. Here are a few things you ll find when you visit: Benefits Today. Less than 30 minutes with our engaging enrollment video will help you make a more confident benefits decision. Ask ALEX. Your virtual benefits counselor, Ask ALEX can help you make the right decision for you and your family. Digital Guide. A more comprehensive look into your benefit options. Summaries of Benefits and Coverage. For each medical plan, this summary makes it easy to learn how different services and procedures are covered. 10 2018 Benefits