COLUMBIA ST. MARY S 2016 New Hire Benefits Information

COLUMBIA ST. MARY S 2016 New Hire Benefits Information Welcome to Ascension We re glad you re part of the Ascension team! The associates who provide care at our ministries are special. A common bond connects us. We are all focused on providing high-quality, lowcost, person-centered care. While we have multiple locations across the Ascension network, we are united as one. One mission. One integrated ministry. One Ascension. To ensure we attract and retain high-quality associates, we offer a comprehensive, affordable benefits package for all benefiteligible associates. Full of choices, our benefit offerings allow you to select the plans that best suit your personal needs. Enrolling in Benefits You have 31 days to enroll from the date you become eligible. You will receive email notification of your personal enrollment deadline. If you do not enroll, you will be automatically enrolled in our default benefits. Enroll online at my.ascension.org. If You Don t Enroll by the Deadline If you do not enroll, you will be automatically enrolled in our default benefits. Basic life and AD&D insurance coverage at no cost Short term disability benefit at no cost Long term disability benefit at no cost (full-time associates ONLY) Where to Find More Information ONLINE at my.ascension.org. The Ascension portal is at your fingertips 24/7. You can log in from work or home to review your benefit coverage, view your pay stub, complete employment forms or make changes to your personal information. You can also find links to the companies that pay your health plan claims, invest your retirement savings and offer employee assistance. BY PHONE at 855.992.4672 Monday Friday: 7:30 a.m. - 8:00 p.m. ET; 6:30 a.m. - 7:00 p.m. CT Review your benefits See page 2 and 3 for the plans we offer. For more details, click the MyBenefits tab on the Associate Portal. Apply for the Health Benefits Subsidy, if you qualify You ll find the application and qualifications for financial assistance online by viewing the MyBenefits tab on the Associate Portal. Enroll To enroll, you ll need: Your Ascension user ID and password to log in to the Ascension Portal Names, birth dates and social security numbers for any dependents you wish to enroll Your most recent tax return to apply for the Health Benefits Subsidy Your physician s name to assure he/she is in the Ascension network of providers and to complete your PCP designations Complete wellness activities at www.myascension-wellness.org Health Risk Questionnaire Wellness visit PCP designation Set up your Health Savings Account If you enroll in the HDHP, you ll receive followup instructions to set up your HSA and a debit card from ConnectYourCare, our health account manager. 1

Benefits Eligibility Associate benefit status Full-time, benefit-eligible Part-time, benefit-eligible Scheduled to work 36-40 hours per week (72-80 hours per pay period) 20-35.99 hours per week (40-71.99 hours per pay period) PRN associates and those scheduled to work less than 20 hours per week are only eligible for the voluntary Retirement Savings Program and the Employee Assistance Program. Dependents Eligible dependents include: Spouse Child younger than 26 years old (single or married, living with you or not) Unmarried child age 26 or older who became permanently and totally disabled before age 26 while covered under the plan AND: Receiving over half of his/her support from the associate or associate's spouse Eligible to be claimed as a dependent on associate's federal income tax return or associate's spouse's federal income tax return Legally Domiciled Beneficiary (LDB) You may designate coverage for either a spouse or one legally domiciled beneficiary not both in the medical, dental and vision plans. A legally domiciled beneficiary refers to a recipient of an associate's health insurance benefits who is not a spouse or dependent of the associate. This person may or may not be related to the associate and must have lived in the associate s household for at least six months. Proof of residency within the associate's household is required. 2016 Benefit Overview Benefit Health Protection Medical Coverage Options Options Available When you use providers in the Ascension Network: SmartHealth PPO 500/15 $500 individual deductible/15% coinsurance; $1,000 family deductible/15% coinsurance $15 primary care office visit copay $50 urgent care copay after deductible $2,200 (individual); $4,400 (family) out-of-pocket maximum SmartHealth HDHP 1300/10 $1,300 individual deductible/10% coinsurance; $2,600 family deductible/10% coinsurance Deductible applies to all eligible medical services; 10% coinsurance after deductible satisfied $50 urgent care copay after deductible $2,300 (individual); $4,600 (family) out-of-pocket maximum Prescription Drug Coverage Health Reimbursement Arrangement (HRA) Health Savings Account (HSA) SmartHealth Wellness Program All medical plan options automatically include prescription drug benefits administered by Cigna Retail and Specialty pharmacies available Available with the SmartHealth PPO medical plans; earned wellness rewards are contributed on your behalf; no associate contributions Available with the SmartHealth HDHP medical plans; employer makes annual base contributions of $500 individual/$1,000 family (if associate contributes at least $1 per pay period) and earned wellness rewards; associates may make pre-tax contributions Educational tools, fitness tracking device and services provided; earn up to $400 in rewards for participating in healthy activities; enroll at www.myascension-wellness.org 2

2016 Benefits Overview (Continued) Benefit Options Available Health Protection (Continued) Socially Just Medical Benefits (SJB) - Health Benefits Subsidy A waiver or discount available on the SmartHealth PPO 500/15 medical plan for qualified associates Dental Care Coverage Three options with services through Delta Dental; preventive care covered at 100%: PPO Base: Regular exams at 100%, basic services at 60% PPO Comprehensive: Regular exams at 100%, basic services at 60%, major services at 50% PPO Comprehensive Plus: Regular exams at 100%, basic services at 85%, major services at 50%, plus orthodontia for children Vision Care Coverage Flexible Spending Accounts Healthcare Flexible Spending Account (FSA) Two options with services through Vision Service Plan: Exam-only coverage Full coverage, includes annual eye exam, one pair of glasses OR contacts up to $150 per year Account in which you can contribute between $260-$2,550 annually on pre-tax basis for healthcare expenses not covered under medical, dental or vision plans Dependent Day Care Flexible Spending Account (FSA) Income and Survivor Protection Account in which you can contribute between $260-$5,000 annually on pre-tax basis for eligible dependent day care expenses Short Term Disability (STD) Long Term Disability (LTD) Basic Life and AD&D Insurance Supplemental Term Life Insurance Dependent Life Insurance Voluntary AD&D Core short term disability benefit provided free to all benefit-eligible associates with option to buy up to a 70% benefit Core long term disability benefit provided free to full-time, benefit-eligible associates with option to buy up to a 70% benefit; part-time, benefit-eligible associates can purchase long term disability benefit of 50% or 70% income replacement All benefit-eligible associates at no cost: 1x base pay part-time and full-time associates; 2x base pay for managers, directors, physicians; 3x pay for executives; includes coverage for accidental death or injury Additional associate life insurance 1x to 7x annual base pay, up to $5,000,000 available for purchase Life insurance for your spouse and/or children available for purchase Additional AD&D insurance up to $4,000,000 available for purchase Business Travel Accident Insurance $400,000 survivor protection payable if you die while traveling on approved health ministry business Legal Services Plan Securing Your Retirement Employer Automatic Contributions Voluntary Employee Retirement Savings Plan Contributions Employer Matching Contributions to the Retirement Savings Plan Retirement Health Reimbursement Arrangement (HRA) Enriching Self and Spirit Employee Assistance Program Tuition Reimbursement Paid Time Off and Holiday Time Off Low-cost legal assistance available through Hyatt Legal for services such as adoption, wills, trusts, living wills and identity theft Account that provides an employer-paid retirement benefit based on earnings and years of service; contribution will be deposited into your Individual Account in the spring after close of each calendar year A 403(b) retirement account that allows you to contribute on pre-tax basis through payroll deduction; may contribute as little as $1 or 1% up to 80% of earnings; associate annual contribution limit for 2016 is $18,000 (or $24,000 if age 50 or older in 2016) Employer match available if you make pre-tax contributions and meet requirements; match equal to 50% of the first 6% of earnings that you contribute each pay period to the 403(b) plan Annual $1,200 credit when certain qualifications are met; if vested, may use during retirement for medical, prescription drug, dental and vision expenses Assistance with managing stress, relationships and financial issues through Ceridian LifeWorks EAP Reimbursement for eligible expenses up to an annual limit for qualified courses Use for vacations, sickness and personal family obligations. In addition, Ascension recognizes eight holidays: New Years, Martin Luther King, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas. 3

2016 Bi-weekly Payroll Deductions Both you and Ascension contribute to the total cost of your health benefits. This means that the bi-weekly payroll deductions (or premiums) for Ascension s SmartHealth medical plans are determined by your annual base pay. Associates who earn more, pay more. And for those who earn less, Ascension pays more of the premium. 4

SmartHealth Medical Plans: Designed By Ascension What makes SmartHealth medical plans unique is that they are designed by Ascension. We leverage our experience in all aspects of healthcare to design plans for our associates that are simply smart. And because we are not purchasing coverage from a traditional insurance plan, we have more control over how we manage costs. This means you have high-quality medical services through our own facilities and providers at affordable costs that are typically lower than traditional insurance rates. A Choice of Networks When you need medical care, SmartHealth gives you a choice of providers, and the level of coverage you receive is based on the provider network you choose. Typically, people have two network options through their employer plan either in-network or out-of-network. With SmartHealth, we offer three different levels so your choices are even greater: Ascension 1. 2. National Network 3. Network Our physicians and facilities offer the highest level of coverage at the lowest costs. To find an Ascension Network provider, view the physician directory at www.mysmarthealth.org These providers offer coverage comparable to other employers in-network coverage. To find a National Network physician or facility, visit the website listed on your medical plan ID card. Out-of-Network These providers are not contracted with the Ascension Network or the National Network. You ll pay a much larger portion (at least 50%) of the expenses, up to the out-ofpocket maximum. Reap Rewards with SmartHealth Wellness Program The SmartHealth Wellness Program is designed to reward associates for actions taken to achieve personal wellness goals. The program will help you identify areas of risk and provide resources to maintain or improve your health. Network Health and You As an Ascension associate, you have access to our care management program through Network Health. Network Health expands your benefits at no additional cost. Network Health provides: Assistance managing a chronic illness: If you are currently enrolled in SmartHealth and have a history of chronic disease or a catastrophic condition, you will be automatically enrolled in Network Health. Our goal is to help you manage chronic disease or an illness so that it doesn t lead to a high-risk condition. Examples of conditions we help manage include acute myocardial infarction (heart attack), cancer, cerebro-vascular accident (stroke), diabetes, heart failure, end stage renal disease, premature infancy, high-risk pregnancy or spinal cord injury. Case management support: You will be assigned a case manager that will coordinate care and assist with communication between you and your physicians. You will be able to call or email your case manager whenever you have health questions or concerns. Learn more: www.mysmarthealth.org Network Health 800-236-0208 Free Fitbit with HRQ Get started by taking the Health Risk Questionnaire (HRQ) at www.myascension-wellness.org. After completing the HRQ, you ll be registered for the program and can order a free Fitbit device. How to earn rewards If you enroll in a SmartHealth medical plan, you can earn up to $400 for your out-of-pocket healthcare expenses. Your rewards are deposited in your health account (HRA or HSA) three times a year. IMPORTANT: If you and your spouse are both associates, you ll each have to enroll in a SmartHealth medical plan (one of you can cover any dependents) to be eligible for your own $400 Complete a wellness visit with your physician and earn $160 in rewards. Earn up to an additional $240 in rewards by completing activities in three out of five health categories: clinical, educational, fitness, lifestyle and spirituality. Each activity you complete earns points, which are totaled and rewarded with a deposit to your health account in May, August and November. Reward activities and the wellness visit must be completed by Sept. 30, 2016. Learn more: www.myascension-wellness.org SmartHealth Wellness Service Center 866-451-1265 5

Columbia St. Mary s 2016 PTO Schedules Schedule of Nonexempt PTO Benefits Years of Completed Service At least 0 But less than 5 At least 5 But less than 10 At least 10 But less than 15 At least 15 But less than 20 20+ Years Annual Days for Full Time Associate PTO Accrual Factor Per Hour Paid PTO Hours Earned per 80 Hours Worked 14.0538 4.31 19.0731 5.85 24.0923 7.38 26.1000 8.00 28.1077 8.62 Schedules of Exempt PTO Benefits Years of Completed Service as of 12/31 of Prior Year Exempt Non-Management PTO Schedule Annual PTO Days Available for Full Time Associates Annual PTO Hours Available for Full Time Associates 0 4 Full Years 18 144 5 9 Full Years 24 192 10+ Years 27 216 Not based on Years of Service Exempt Management (Manager/Director/Executive) PTO Schedule Annual PTO Days Available for Full Time Associates Annual PTO Hours Available for Full Time Associates Standard 27 216

Want a Guided Tour of Ascension Benefits? Meet ALEX! Selecting benefits for you and your family is one of the most important decisions you make each year. And we or rather ALEX can make it easier. ALEX is an online, informative and entertaining benefits guide that explains your benefit options in plain English. With point-by-point comparisons, definitions and examples, ALEX gives you what you need to make informed decisions. $ Don t Leave Money on the Table In addition to providing benefit coverage at affordable prices, Ascension gives associates extra financial assistance that benefits them in the short- and long-term: Ascension SmartHealth Wellness Program: You can earn up to $400 in wellness rewards annually! Learn more at www.myascension-wellness.org. Health Savings Account (HSA): Available with high deductible health plans. For full-time and part-time benefit-eligible associates who contribute at least $1 per pay period, Ascension contributes $500 (associate) and $1,000 (family). 403(b) Retirement Savings Plan: We ll make a matching contribution* equal to 50% of the first 6% of earnings that you contribute each pay period. To begin contributions, go to ah.trsretire.com. Socially Just Benefits Health Subsidy: For full-time, benefit-eligible associates who qualify, this benefit consists of a waiver (100%) or discount (25%, 50% or 75%) on bi-weekly payroll deductions and also a waiver (100%) or discount (50%) on out-of-pocket expenses when care is obtained at our facilities. *You will be eligible for the match if you are regularly scheduled to work 40 hours per pay period. ALEX will: 1. Ask you questions (your answers are anonymous) 2. Walk you through your plan options 3. Show you how the plans compare 4. Crunch numbers so you understand costs 5. Provide a details page where you can review your choices Learn more. Comprehensive Coverage All SmartHealth plans promote wellness and prevention, including free screenings and annual wellness checks. Best of all, the plans were designed to treat the whole person mind, body and spirit and include comprehensive, cost-effective prescription drug benefits managed by Cigna. Learn more: www.mysmarthealth.org When Coverage Begins and Ends Your benefit selections become effective on the first of the month coincident with or following date of hire. Your coverage ends when you leave employment or lose benefiteligible status. Medical, dental and vision coverage ends at the end of the month. All other benefits end at termination or when your benefiteligible status changes. 6