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Your benefits
2019 Benefits Enrollment
Important:
All benefit-eligible team members MUST enroll online to obtain benefits.
Team members not enrolling are asked to
log on and decline benefits.
New hires and newly benefit-eligible team members must enroll within 30 days of date of hire or the date they become benefit-eligible.
Go to the Vidant Employee Self-Service page and click on “Benefit Details” and then “Benefits Summary” to review your statement. If you need assistance logging in, contact the Benefits Department at (252) 847-4479.
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Your 2019 Benefits Your benefits are a valuable part of the rewards of being a Vidant team member. Vidant reviews current benefit offerings to ensure you have choices and are able to have coverage that fits you and your family needs. Your feedback about choices is also part of our review process. Each year, Vidant Health invests more than $500 million in its team members through a comprehensive package that represents much more than just competitive pay and benefits. To make the most of your benefits, use this guide to understand how they work. Benefits enrollment is the time for you to take advantage of those options that provide value and protection for you and your family. This booklet provides an overview of the benefits offered to team members of:
Vidant Beaufort Hospital Vidant Bertie Hospital Vidant Chowan Hospital Vidant Duplin Hospital Vidant Edgecombe Hospital Vidant Health Vidant Home Health Vidant Medical Center Vidant Roanoke-Chowan Hospital The Outer Banks Hospital Vidant Medical Group Staff Vidant Medical Group Providers
The details of the benefit plans are contained in official plan documents as well as insurance contracts. The benefit booklet will cover highlights of each plan and does not replace summary plan descriptions, official documents, or other policies about the benefit plan. If there is a question about one of the benefit plans or if there is a conflict between information in the benefits booklet and the formal language in official documents, the formal wording in the official documents will prevail.
Vidant Health Human Resources annual required notices are located on the Vidant Intranet under Team Central – REQUIRED NOTICES. The Intranet is accessible from any Vidant workstation including those on your unit, department or public access computers such as those in each Human Resources location. The annual required notices contain general information about benefits with Vidant Health and you should take the opportunity to read and review. You may also request at any time printed copies of these annual required notices by contacting Human Resources via email at [email protected]. By providing electronic access of annual required notices, Vidant Health can be a better steward of resources such as time, people and paper.
NOTE:
Although the benefits described in this booklet generally apply to benefit-eligible team members, all organizations may not offer all of the benefits described.
Please note the benefits described in this booklet may be changed at any time and do not represent a contractual obligation on the part of Vidant Health.
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Our Mission, Vision and Values
Health Care Mission To improve the health and well-being of Eastern North Carolina.
Health Care Vision To become the national model for rural health and wellness by creating a premier, trusted health care delivery and education system.
Our Values: Integrity – Do the right thing
Be honest and sincere
Consistently support our shared principles
Be fair and ethical in all actions
Protect the confidentiality of work environment, especially patient information
Compassion – Connecting, caring and comforting unconditionally Treat others in a culturally appropriate way
Show we understand through active listening
Focus on the person in front of you and be present in the moment
Demonstrate respect for all
Education – Learning, adapting, improving, and transforming Learn from and apply best practices
Adapt to changing environments, expectations and knowledge
Use innovation and creativity to shape a better future
Stay up to date in your role
Take an active role in mentoring and educating others
Accountability – Taking responsibility for what we do Give and receive honest feedback and coaching
Work collaboratively
Equally shoulder individual, team and organizational goals
Do what we say we will do
Own our work and rise above our circumstances to get it done
Safety - Achieving zero harm to patients, visitors, families and staff
Provide an environment of safety
When uncertain, stop and get help
Anticipate and prevent potential harm
Follow Safety Habits and best practices
Teamwork - Contributing to our goals Recognize the equal worth of each individual, including patients and
families
Help each other do the right thing
Value what others have to offer
Identify and resolve inappropriate behaviors
Communicate effectively and openly
MISSION: The mission of
an organization
defines its
reason for
existence,
reveals
its nature and
expresses the
organization’s
commitment
and aim.
VISION:
A vision
statement is a
company's road
map, indicating
both what the
company wants
to become and
guiding
transformation
initiatives by
setting a
defined
direction for the
company's
growth.
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Table of Contents Your 2019 Benefits ................................................................................................................................................................. 1 Our Mission, Vision and Values .............................................................................................................................................. 2 Table of Contents ................................................................................................................................................................... 3 Contact Information ................................................................................................................................................................ 4 Eligibility .................................................................................................................................................................................. 5 Dependent Eligibility ............................................................................................................................................................... 6 Benefit Cost Sharing and Deduction Information ................................................................................................................... 7 How to Enroll .......................................................................................................................................................................... 8 Enrollment Steps .................................................................................................................................................................... 9 Making Changes .................................................................................................................................................................... 10 Medical Coverage ................................................................................................................................................................. 11 Preventive Schedule of Benefits ........................................................................................................................................... 17 Prescription Drug Benefit ...................................................................................................................................................... 18 Dental ................................................................................................................................................................................... 20 Vision .................................................................................................................................................................................... 21 Flexible Spending Accounts (FSA) ....................................................................................................................................... 22 Health Savings Account (HSA)………………………………………………………………………………………………………24 Life Insurance ................................................................................................................................................................ 26 Disability Benefits ................................................................................................................................................................. 28 Critical Illness/Whole Life……………………………………………………………………………………………………………………...29 Paid Time Off (PTO) ............................................................................................................................................................. 30 Employee Assistance Program (EAP) .................................................................................................................................. 31 Retirement Program Highlights ............................................................................................................................................. 32 Other Benefits & Services ..................................................................................................................................................... 33
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Contact Information Benefit Provider Phone # Web Site Description
Critical Illness Allstate 800-521-3535 www.allstateatwork.com Individually owned critical illness policy
Dental Plan CIGNA 800-244-6224 https://my.cigna.com/
Dental claims, EOB, Provider, ID Card
Dependent Eligibility Vendor
Alight 800-725-5810 www.yourdependentverification.com/plan-smart-info
Verification of dependent eligibility
Disability – Short & Long Term
Lincoln Financial
800-213-3805 www.mylibertyconnection.com Disability claims & covered benefits
Discounts, On-Line Team Member Discount Program
BenePlace 800-683-2886 www.beneplace.com/vidanthealth Discounts for a variety of merchants
Employee Assistance Program (EAP)
Vidant Health 877-843-7207 or 252-847-4357
https://myvidanthealth.com/Emplo yee_Assistance_Program/
Counseling Services, Behavioral health, Legal advice & Substance abuse issues
Employee Wellness Vidant 252-847-5590 https://myvidanthealth.com/employeewellness/
Provides FREE health coaching, disease management, and wellness challenges
FSA - Flexible Spending (Health and Dependent Day Care)
Discovery Benefits
866-451-3399 https://www.discoverybenefits.com/
Flexible spending claims & covered benefits
Health Savings Account (HSA)
Discovery Benefits
866-451-3399 https://www.discoverybenefits.com/
Flexible spending claims & covered benefits
Leave of Absence
Leave Management
252-816-8600 E-mail at: [email protected]
Leave of absence
Life Insurance
Lincoln Financial
800-213-3805 www.mylibertyconnection.com Life claims & covered benefits
Medical Plan
MedCost 800-795-1023 www.medcost.com
Plan Group Number- 7488 Medical claims, EOB, Provider Network, Temporary ID Card
Pharmacy - Prescription Drug Benefit
MedImpact 844-513-6009 www.medimpact.com Pharmacy claims & covered benefits
Physician IDI UNUM 800-633-7490 Supplemental Disability Policy
Retirement – Pension*
VidantPension Center
866-261-3573 Pension information for eligible team members
Retirement Savings Plans: 401(k)
Fidelity Investments
800-343-0860 http://www.netbenefits.com Online enrollment & customer service assistance
Physicians 457b Voya 877-663-6565 Additional way to save for retirement
SmartStarts Pregnancy Wellness Program
MedCost 800-795-1023 http://www.medcost.com/CareMa nagement/MaternityManagement
Assigns experienced prenatal nurses to work with expectant mother’s physician
Tuition Assistance Vidant Health Careers
252-816-5893 E-mail at: [email protected]
The Vidant Health tuition assistance program
Vision Superior Vision
800-507-3800 www.superiorvision.com Vision claims & covered benefits
Whole Life Insurance UNUM 866-679-3054 www.unum.com Individually owned whole life insurance policy information
*Only for eligible team members hired prior to 1/1/2010 at a pension entity
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Eligibility – All Vidant Entities Team members may make certain benefit changes during the announced annual enrollment period Mid-year benefit elections or changes must be made within 30 days of a qualifying life event/status
change Your eligibility and contributions are based on your Full-Time Equivalent (FTE) status Please read each section carefully as there are waiting periods for some benefits
Benefit When do benefits start? When do benefits end? Who is eligible?
Medical and Prescription Drug Coverage
First of the month following your 30th day of hire or benefit-eligible status change
End of the month in which you are actively employed in a benefit-eligible status
Team members 0.5 (FTE) or greater
Dental Coverage First of the month following your 30th day of hire or benefit-eligible status change
End of the month in which you are actively employed in a benefit-eligible status
Team members 0.5 (FTE) or greater
Vision Coverage First of the month following your 30th day of hire or benefit-eligible status change
End of the month in which you are actively employed in a benefit-eligible status
Team members 0.5 (FTE) or greater
Life Insurance – Basic, Supplemental, Spouse and Child
First of the month following your 30th day of hire or benefit-eligible status change
Last day of active employment in a benefit- eligible status
Team members 0.5 (FTE) or greater
Flexible Spending Accounts First of the month following your 30th day of hire or benefit-eligible status change
Last day of active employment in a benefit- eligible status
Team members 0.5 (FTE) or greater
Health Savings Account (HSA) First of the month following your 30th day of hire or benefit-eligible status change
Team members 0.5 (FTE) or greater
Short-Term Disability (STD) First of the month following your 30th day of hire or benefit-eligible status change
Last day of active employment in a benefit- eligible status
Team members 0.8 (FTE) or greater
Long-Term Disability (LTD) First of the month following your 30th day of hire or benefit-eligible status change
Last day of active employment in a benefit- eligible status
Team members 0.5 (FTE) or greater
Retirement Savings Plans: 401(k)
Eligible to enroll in the 401(k) plan immediately upon hire – all team members hired in a benefit eligible status will be automatically enrolled after 30 days if no action is taken
Payroll deductions will continue through your final Vidant paycheck in a benefit-eligible status
Team members 0.5 (FTE) or greater
Employee Assistance Plan (EAP)
Date of hire Last day of active employment
All team members
Paid Time Off (PTO)* Benefits begin accruing your first day of employment
Last day of active employment in a benefit- eligible status
Team members 0.5 (FTE) or greater
Adoption Assistance Twelve months of employment Last day of active employment in a benefit- eligible status
Team members 0.5 (FTE) or greater
Physicians 457b Date of hire Last day of active employment in a benefit- eligible status
Team members 0.5 (FTE) or greater
* VMG Providers and VMC Residents have separate leave plans
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Dependent Eligibility Medical, Dental, and Vision Coverage Eligible dependents may receive coverage under the medical, prescription drug, dental, and vision plans. Eligible dependents:
Spouse/Domestic Partner Children up to age 26
Losing Coverage Coverage under the medical, prescription, dental, and vision benefits will terminate at the end of the month in which the dependent child turns 26.
Life Insurance Eligible dependents can also be covered under applicable life insurance policies. If you and your spouse/domestic partner are benefit-eligible Vidant team members: You are ineligible to cover your spouse/domestic partner under the Spousal Life insurance plan. Only one parent is eligible to cover the child(ren) under the Dependent Child Life insurance plan.
Losing Coverage Life insurance for children turning age 26 will end the on the date that the child turns 26.
Please note that an individual may not be covered under the medical, dental, vision or life insurance plans as both a team member and a dependent. In addition, an individual may not be considered an eligible dependent of more than one team member. Team members may not carry dual coverage under these plans for their spouse/domestic partner and/or their dependent children.
Dependent Eligibility Verification New team members, team members newly eligible for coverage (due to an increase in hours or a life event such as marriage, birth, adoption, etc.) or team members electing a new benefit must provide documentation regarding dependents you are adding on to the benefit plans.
Documentation (e.g. marriage license, temporary birth certificate, etc.) must be provided within 30 days of the date of the event. Your next opportunity to add your dependent to coverage will be during the next annual enrollment period or qualifying life event, provided that proper documentation is submitted at that time.
Dependent Eligibility Verification Medical, pharmacy and dental costs are shared between team members and Vidant Health. With health and welfare plan costs continuing to rise and to remain good stewards of team members and employer premiums, Vidant Health will verify dependent eligibility for health, dental, vision and life insurance coverage. You will be required to provide social security numbers and other documents to ensure the relationship meets benefit eligibility. Spousal employment verification form will be required. You will be contacted by our third party administrator to assist you in providing the appropriate documentation to complete the verification.
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Benefit Cost Sharing and Deduction Information Each pay period, deductions for your share of the benefit cost will be taken either as a pre-tax or post-tax deduction. Pre-tax deductions lower your taxable income; therefore, you pay less in taxes. The chart below highlights which benefit plans are offered pre-tax or post-tax.
Benefit Who pays the cost? Pre-tax or post-tax
Medical and Prescription Drug Coverage* Shared Pre-tax
Dental Coverage* Shared Pre-tax
Vision Coverage* You Pre-tax
Life Insurance – Basic Vidant No cost to team members
Life Insurance – AD&D Vidant No cost to team members
Life Insurance – Supplemental & Whole You Post-tax
Life Insurance – Supplemental AD&D You Post-tax
Life Insurance – Spouse You Post-tax
Life Insurance – Child You Post-tax
Flexible Spending Accounts – (Heath and Dependent Care)
You Pre-tax
Health Spending Account (HSA) Shared Pre-tax**
Short-Term Disability (STD) You Post-tax
Long-Term Disability (LTD) You Post-tax
Physician Individual Disability Insurance (IDI) You Post-tax
Critical Illness You Post-tax
Retirement Savings Plans: 401(k) Plan Shared Pre-tax
Physicians 457b You Pre-tax
Employee Assistance Plan (EAP) Vidant No cost to team members
Leave Time (Holiday, Sick, or Vacation) Vidant No cost to team members
Adoption Assistance Vidant No cost to team members
* IRS imputed income guidelines may apply **Shared only when contributions are through Vidant payroll deductions
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Meet ALEX!
ALEX is an online tool that will help you select the best benefit plan for you and your family. When you talk to ALEX he’ll ask you a few questions about your health care needs, crunch some numbers, and point out what makes the most sense for you. And anything you tell ALEX remains anonymous, so don’t be afraid to really let loose about that weird tooth thing!
How long will this take? Most users spend about 7 minutes with ALEX, but it really depends how much guidance you would like. And ALEX can save your place, so you leave to get some peanut brittle and then pick up right where you left off.
How should I prepare? You don’t need to do much of anything. Alex will ask you to estimate what type of medical care you might need this year (doctors’ visits, surgeries, ER visits, prescriptions, etc.), so you may want to tally those up and talk to your family about their needs, but ALEX can also help you come up with some estimates.
How does ALEX know what plan is best for me? ALEX takes the amount each plan would cost you out of your paycheck (your premium) and adds that to the amount it would cost for the services you said you might use. Then he’ll recommend the least expensive plan for your needs.
Can I use ALEX on my phone? Oh yeah. ALEX is optimized for any device you’ve got.
Can I trust ALEX with my secrets?
Yes! Your ALEX experience is totally private. He doesn’t maintain personal info or submit it back to your employer (or anyone else), so it’s completely anonymous.
Meet ALEX at
www.myalex.com/vidant-health/2019
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How to Enroll Process All team members will need to
enroll online to obtain benefits during annual enrollment
Team members not enrolling are asked to log on and decline benefits
New hires must enroll within 30 days of the date of hire. Newly benefit- eligible team members must enroll within 30 days of the date they become benefit eligible. Please note once benefit elections have been submitted, changes cannot be made until the next annual enrollment period.
What You Need Your Vidant Health Provider ID
and Password Social Security numbers and
dates of birth for your covered spouse and dependents
Beneficiary information (name, date of birth, address and Social Security numbers of beneficiaries)
You will need to identify whether or not you or any of your family members have other medical coverage, and details about that other coverage (if applicable)
Additional Considerations You must enroll online to receive benefits. As part of enrollment you should: Determine if the spousal/domestic
partner additional premium applies Determine if the tobacco additional
premium applies Determine if the wellness additional
premium applies
Review Your Benefit Summary
Once your elections have been processed by Benefits, you can review your elections via Employee Self-Service.
Login to Employee Self-Service, choose “Benefit Details”, then “Benefits Summary
Benefit elections are final
once submitted during new hire/newly benefit eligible enrollment.
You may log in and make
changes as often as you need only during the annual enrollment period.
9
Enrollment Steps About Your Enrollment Session Enrolling and accessing your benefit information is easy under Employee Self-Service. Employee Self-Service saves all elections from each screen you have successfully completed.
Please follow the on-screen instructions to make or waive your elections. Please note, your enrollment is complete only after clicking “Submit”.
To access your Employee Self-Service Page from home, go to www.vidanthealth.com. Select the “Team members” link; then “Employee Self-Service”
Quick link to Employee Self Service
Step 1
In your internet browser, type in:
www.vidanthealth.com
To log in to your Employee Self- Service page, you don’t have to be at work! You can do this from any computer with an internet connection.
Step 2
Click on “Team members”.
Step 3
Choose “Employee Self-Service”.
From there, you will enter in your Provider ID and Password for access to your Employee Self- Service Account.
Step 4
Choose “Benefit Details”, then “Benefits Enrollment” to start electing your benefits.
Important – you must elect or waive each benefit to successfully submit elections.
After You Enroll
When you receive your first paycheck after your coverage becomes effective, make sure that the correct deductions have been taken based on the benefits you selected. If the cost of your benefits is not deducted accurately, contact the Benefits Department immediately.
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Making Changes You may change your pre-tax benefit elections, as well as your *life and disability elections during annual enrollment. To change your benefit elections during the plan year, you must experience a qualifying life event as defined by IRS guidelines. You must complete a Qualifying Life Event (QLE) within 30 days of the Qualifying Life Event. Follow-up documentation will be required in most instances. If you do not complete a Qualifying Life Event within 30 days, you must wait until the next annual enrollment period to make benefit changes, unless you have another qualifying life event.
*Life or disability elections during annual enrollment require you to submit an Evidence of Insurability form to Lincoln Financial. Lincoln Financial will notify you of approval or denial.
Visit “Benefits & Life Events” then choose “Updating Benefit Information” under Team Central for more information.
Qualifying Life Events Include:
Marriage or divorce
Birth, adoption or
placement for
adoption of an
eligible child
Death of a spouse or covered child
Change in your or your
spouse’s work status
affecting benefits eligibility.
Examples include starting a
new job, leaving a job,
going from part-time to full-
time and starting or
returning from an unpaid
leave of absence.
Change in your child’s benefit eligibility
Becoming eligible for Medicare or Medicaid during the year
Receiving a Qualified Medical Child Support Order (QMCSO)
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Medical Coverage Plan Options Vidant Health provides health and pharmacy coverage through three self-insured medical plans. Self-insured means that claims for health and pharmacy expenses are paid for by premiums from team members and Vidant. Your plan determines your co-pay, deductible and coinsurance when you have a claim. For complete details, see the Summary Plan Descriptions as well as other relevant information available on Team Central.
Basic Choice Medical Savings Plan
Coverage Categories
Single + Children + Spouse / Domestic Partner Family (covers you, your spouse and dependent children)
Cost Share Team members with an FTE of .5 to .79 share a larger portion of the premium than a .80 – 1.0 FTE
Medical Plan Provider Networks In network will help you and the plan manage costs. You are strongly encouraged to select a primary care physician for you and each covered family member. You may go to any doctor you choose, but your cost savings will be greater and out-of-pocket expenses are less when you seek services from in network providers.
Medical Claims Administration MedCost is our third party administrator and processes our medical claims. You may visit www.medcost.com to do the following:
Request Identification Cards Print and View Explanation of Benefits (EOB) Find a Provider
Vidant MedCost Group # - 7488
Vidant Now Skip the Trip! Use Vidant Now to see a doctor 24/7 via video or phone. If enrolled in Vidant Medical Basic or Choice plans, use group code “Vidant” to receive services at a $20 copay. Visit www.vidantnow.com or download the VidantNow App for a convenient way to receive care whenever you need it!
Terms You Need to Know
Coinsurance: The percentage of
covered expenses that you pay after you meet your deductible.
Deductible: The amount (before
coinsurance) you pay each year for health care expenses such as inpatient hospital stays, radiology, lab work, and other services.
Out-of-Pocket (OOP) Maximum for Medical: The most you pay
under the medical plan. Includes your deductible, medical coinsurance and medical plan co-pays. Excludes charges beyond usual and customary. Separate pharmacy out-of- pocket maximum.
Pharmacy Co-Pay/ Coinsurance:
Your cost for a prescription. There are separate maximum dollar amounts that you pay for each prescription. Applies to your plan pharmacy out-of-pocket maximum. Does not apply to your medical deductible.
Physician Office Visit Co- pay: A
flat fee you pay for a physician office visit regardless of the actual amount the provider charges. Applies to your plan Out-of- Pocket Maximum but not your Deductible.
In Network: Group of physicians
and hospitals that have contracted with the plan to offer discounts for participants who receive care within the network.
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Premiums for Medical/Dental/Vision *Includes domestic partner (DP) and/or domestic partner children; imputed income applies to domestic partner and children of domestic partner coverage.
Full-time Team Members – Bi-Weekly Deductions
Tier
Medical Dental Vision MSP Basic Choice Basic Choice
Single $31 $36
$48 $8 $16 $3.66
+Child(ren)* $118 $138
$160 $15 $28 $6.03
+Spouse* $185 $216
$242 $17 $33 $5.50
Family* $203 $237
$265 $24 $47 $9.19
Part-time Team Members – Bi-Weekly Deductions
Tier
Medical Dental
Vision
MSP Basic Choice Basic Choice
Single $89 $103
$113 $8 $16 $3.66
+Child(ren)* $201 $235
$256 $15 $28 $6.03
+Spouse* $255 $298
$326 $17 $33 $5.50
Family* $301 $351
$378 $24 $47 $9.19
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Medical Coverage (continued) Plan Benefit Levels - MedCost Vidant Health medical plans will include tiered provider options. Here are some highlights of the coverage in each tier:
Preventive care medical services performed by an in-network provider are covered at 100% under each medical plan - no charge to you.
Tier A includes higher co-insurance coverage at 85%, lower copays and lower deductibles and out of pocket maximums.
Tier B includes co-insurance coverage at 70% or 80%, slightly higher copays and deductibles and out of pocket maximums.
When using providers and facilities not in the MedCost Network – Out of Network includes co-insurance coverage at 50%, higher copays and deductibles and out of pocket maximums.
If you stay in-network, the plan pays a greater portion of the cost of your care, and you pay less.
In Network – Tier A
Vidant Health and other select providers and Vidant Health facilities
In Network – Tier B Select providers and facilities
in the MedCost Network
Out of Network
Medical Savings Plan Wellness Covered at 100% Covered at 100% Plan pays 60%, you pay 40%
Plan Co-insurance Plan pays 85%, you pay 15% Plan pays 70%, you pay 30% Plan pays 50%, you pay 50%
Vidant PCP Visit Plan pays 95%, you pay 5% N/A Ded, then 50% co-ins
Vidant Specialty Visit Ded, then 15% co-ins N/A Ded, then 50% co-ins
Non-Vidant PCP Visit Ded, then 15% co-ins Ded, then 30% co-ins Ded, then 50% co-ins
Non-Vidant Specialty Visit Ded, then 15% co-ins Ded, then 30% co-ins Ded, then 50% co-ins
VidantNow Ded, then 15% co-ins Ded, then 30% co-ins Ded, then 50% co-ins
Med Deductible (Single/Family) $2,000 / $4,000 $2,500 / $5,000 $6,000 / $12,000
Med Max OOP (Single/Family) $6,000 / $12,000 $6,750 / $13,500 $12,500 / $25,000
Rx Max OOP (Single/Family) Inc with Med OOP Max Inc with Med OOP Max Inc with Med OOP Max
Combined OOP Max (Med + Rx) $6,000 / $12,000 $6,750 / $13,500 $12,500 / $25,000
Emergency Room Ded, then 15% co-ins Tier A Ded, then 30% co-ins Tier A Ded, then 50% co-ins
Urgent Care Ded, then 15% co-ins Ded, then 30% co-ins Ded, then 50% co-ins
Inpatient / Outpatient Hospital Ded, then 15% co-ins Ded, then 30% co-ins Ded, then 50% co-ins
Vidant Pharmacy Retail Pharmacy
Rx Deductible Included w/ Medical Included w/ Medical
Rx Max OOP (Single/Family) Included w/Medical Included /Medical
Generic (30 days) Ded, then 10% co-insurance Ded, then 20% co-insurance
Preferred Brand (30 days) Ded, then 20% co-insurance Ded, then 30% co-insurance
Non-Preferred Brand (30 days) Ded, then 30% co-insurance Ded, then 40% co-insurance
Generic (90 days) Ded, then 10% co-insurance Ded, then 20% co-insurance
Preferred Brand (90 days) Ded, then 20% co-insurance Ded, then 30% co-insurance
Non-Preferred Brand (90 days) Ded, then 30% co-insurance Ded, then 40% co-insurance
Preferred Brand Specialty Rx Ded, then 20% co-insurance Ded, then 30% co-insurance
Non-Preferred Specialty Rx Ded, then 30% co-insurance Ded, then 40% co-insurance
If cost exceeds $300 for all tiers and number of day supply N/A N/A
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Medical Coverage (continued) Plan Benefit Levels - MedCost Vidant Health medical plans will include tiered provider options. Here are some highlights of the coverage in each tier:
Preventive care medical services performed by an in-network provider are covered at 100% under each medical plan - no charge to you.
Tier A includes higher co-insurance coverage at 85%, lower copays and lower deductibles and out of pocket maximums.
Tier B includes co-insurance coverage at 70% or 80%, slightly higher copays and deductibles and out of pocket maximums.
Out of Network includes co-insurance coverage at 50%, higher copays and deductibles and out of pocket maximums. If you stay in-network, the plan pays a greater portion of the cost of your care, and you pay less.
In Network – Tier A
Vidant Health and other select providers and Vidant Health facilities
In Network – Tier B Select providers and facilities
in the MedCost Network Basic Choice Basic Choice Wellness Covered at 100% Covered at 100% Covered at 100% Covered at 100%
Plan Co-insurance Plan pays 85%, you pay 15% Plan pays 85%, you pay 15% Plan pays 70%, you pay 30% Plan pays 80%, you pay 20%
Vidant PCP Visit $5 Copay $5 Copay N/A N/A
Vidant Specialty Visit $50 Copay $40 Copay N/A N/A
Non-Vidant PCP Visit $45 Copay $25 Copay $55 Copay $35 Copay
Non-Vidant Specialty Visit $65 Copay $45 Copay $75 Copay $55 Copay
VidantNow $20 Copay $20 Copay $20 Copay $20 Copay
Med Deductible (Single/Family) $1,200 / $2,400 $800 / $1,600 $1,500 / $3,000 $1,200 / $2,400
Med Max OOP (Single/Family) $4,000 / $8,000 $3,200 / $6,400 $5,000 / $10,000 $4,000 / $8,000
Rx Max OOP (Single/Family) $2,500 / $5,000 $2,500 / $5,000 $2,500 / $5,000 $2,500 / $5,000
OOP Max (Med + Rx) $6,500 / $13,000 $5,700 / $11,400 $7,500 / $15,000 $6,500 / $13,000
Emergency Room $200 copay + ded/15% co-
ins $150 copay +
ded/15% co-ins $200 copay + Tier A
ded/30% co-ins $150 copay + Tier A
ded/20% co-ins
Urgent Care $50 copay $40 copay $60 copay $50 copay
In / Outpatient Hospital Ded, then 15% co-ins Ded, then 15% co-ins Ded, then 30% co-ins Ded, then 20% co-ins
Vidant Pharmacy Retail Pharmacy
Basic and Choice Basic and Choice Rx Deductible None None
Rx Max OOP (Single/Family) $2,500/$5,000 $2,500/$5,000
Generic (30 days) $10 copay $25 copay
Preferred Brand (30 days) $25 copay $50 copay
Non-Preferred Brand (30 days) $50 copay $100 copay
Generic (90 days) $30 copay $75 copay
Preferred Brand (90 days) $75 copay $150 copay
Non-Preferred Brand (90 days) $150 copay $300 copay
Preferred Brand Specialty Rx $50 copay $100 copay
Non-Preferred Specialty Rx $100 copay $300 copay
If cost exceeds $300 for all tiers and number of day supply 15% co-insurance 25% co-insurance
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Medical Coverage (continued) Plan Benefit Levels - MedCost
Out of Network includes plan co-insurance coverage at a lower percentage than preferred (Tier A) or in-network
(Tier B), higher copays and deductibles and out of pocket maximums.
Out of Network
Basic Choice Wellness Deductible, then 50% co-insurance Covered at 100%
Plan Co-insurance Plan pays 50%, you pay 50% Plan pays 60%, you pay 40%
Vidant PCP Visit N/A N/A
Vidant Specialty Visit N/A N/A
Non-Vidant PCP Visit Deductible, then 50% co-insurance Deductible, then 40% co-insurance
Non-Vidant Specialty Visit Deductible, then 50% co-insurance Deductible, then 40% co-insurance
VidantNow N/A N/A
Med Deductible (Single/Family) $4,500 / $2,400 $3,000 / $6,000
Med Max OOP (Single/Family) $10,000 / $20,000 $7,500 / $15,000
Emergency Room $200 copay + ded/15% co-ins $150 copay + ded/15% co-ins
Urgent Care Deductible, then 50% co-insurance Deductible, then 40% co-insurance
In / Outpatient Hospital Deductible, then 50% co-insurance Deductible, then 40% co-insurance
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Preventive Schedule of Benefits
Recommended Preventive Screenings
Well-baby care Office visits and immunizations – 0 through 24 months
Immunizations
All immunizations are covered for adults and children. Recommended to have one tetanus booster every 10 years, influenza annually, pneumococcal, one dose at age 65 or older.
Routine diagnostic tests Labs for screenings such as cholesterol and glucose
Routine mammograms
Women of average risk for breast cancer should begin conversations with their provider at age 40, discussing the risks and benefits of mammography and making an informed decision about regular screening. Women at high risk for breast cancer due to family history of cancer or certain genetic mutations should talk with their provider about a breast cancer screening plan.
Routine physical exams Annually age 2 and up
Routine pap, pelvic and breast exams Women of average risk for cervical cancer should begin conversations with their provider at age 21, discussing the risks and benefits of pap testing and making an informed decision about regular screening.
Routine PSA test and prostate exam
Men of average risk for prostate cancer should begin conversations with their provider at age 50, discussing the risks and benefits of psa testing and making an informed decision about regular screening. African American men and men with a family history of prostate cancer should talk with their provider about psa testing beginning at age 45.
Colon cancer screening Women and men of average risk for colorectal cancer should begin conversations with their provider between the ages of 45 and 50, discussing the risks and benefits of colorectal cancer screening and making an informed decision about method of screening. There are several types of screening for colorectal cancer, from simple take home tests to colonoscopies. In 2018, American Cancer Society released updated recommendations to start colorectal cancer screening at age 45. Other guidelines continue to recommend screening starting at age 50.
Lung cancer screening Women and men who meet certain criteria should begin conversations with their provider starting at age 55, discussing the risks and benefits and lung cancer screening and making an informed decision about regular screening. Eligibility for lung cancer screening includes individuals aged 55 to 74 in fairly good health who currently smoke or have quit smoking in the past 15 years. Individuals must have at least a 30 pack-year smoking history.
Preventive Screenings
The table above is not a complete list; for complete details, see the Summary Plan Descriptions as well as other relevant information available on the Team Central website. Your provider must code services as wellness and preventive if applicable. Most wellness and preventive screenings are covered at 100% while in- network without any out-of-pocket expense to you. If these services are not considered routine at the time of service, they may be subject to co-pays, deductibles and coinsurance. Also, if during a routine exam, a non- routine component is added (additional test, procedure or lab work), the non-routine/non-preventive care component may be subject to co-pays, deductibles and coinsurance. If you have questions regarding how your claim was processed, please contact MedCost at 800-795-1023.
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Prescription Drug Benefits Prescription drug coverage for you and your covered dependents is included with the Vidant Medical Plan. MedImpact administers the prescription drug benefit for all Vidant Medical Plan participants. If you enroll in one of the medical plans, your prescription drug coverage is provided.
When you or a family member need a prescription filled, you may use your medical/prescription identification card at the Vidant Employee Pharmacy or a retail pharmacy that participates in the pharmacy network. You pay a share of the cost of your prescription in the form of a co-pay or coinsurance. The amount you pay depends whether you receive a generic, preferred brand, or non-preferred brand name drug and which pharmacy you choose. Questions about Vidant prescription drug benefits? Contact MedImpact at 844-513- 6009 or www.medimpact.com. Generic Drugs (lowest co-pay) are chemically and therapeutically equivalent to brand-name drugs, but are available at a lower price. Preferred Brand Drugs (middle co-pay) do not have less-costly generic equivalents because they are sold only under a trademarked name. Preferred drugs are the most cost-effective brand drugs when a generic is not available. Non-Preferred Brand Drugs (highest co-pay) often have either a generic equivalent or a preferred-name brand alternative.
Prior Authorization Requirements To ensure that drugs covered by your prescription drug benefit are used safely and appropriately, certain medications require that your physician obtain prior authorization from MedImpact before they are covered. To determine if a medication requires prior authorization, contact MedImpact at 877-559-2955 or online through www.medimpact.com. Other drugs may be added based upon safety, efficacy and FDA-approved therapies. Wellness Program Eligible participants may receive FREE medications from Vidant Health by participating in Free: 1-on-1 disease management services with a Vidant Employee Wellness Nurse Case Manager or Health Coach available for Vidant Health team members and covered spouses who have high risk factors and/or complex medical conditions such as high blood pressure, diabetes, high cholesterol, obesity, asthma, congestive heart failure or coronary artery disease. Call Employee Wellness at 252-847-5590 for more information. Mandatory Generic Drug Program The prescription drug benefit limits payment for brand medication when a generic version is available to the public. If either you or your doctor requests a brand medication when a generic
alternative is available, you will pay the appropriate brand co-pay or coinsurance plus the difference in cost between the brand-name drug and the generic alternative. Drug Quantity Limits The Vidant Medical Plan prescription drug benefit includes quantity limits on certain medications as recommended by the FDA. These limits are applied to address the problem of overuse of medications that may be unsafe for the patient. To determine if a medication that has been prescribed for you has quantity limits, you may contact MedImpact at 877- 559-2955 or online through www.medimpact.com.
Step Therapy Program Step therapy is a clinical tool used to promote effective, clinically appropriate medications that may be less costly. This program requires the member to try a clinically appropriate, lower cost medication first, or requires that their doctor has documented why the patient is not a good candidate for the clinically appropriate, lower cost medication, or therapy. Step therapy is an automated program that the pharmacist uses to review a patient’s medication history. Step therapy will often recommend an alternative medication (sometimes a generic medication) to replace the more costly medication.
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Medical Coverage (continued) Coordination of Benefits (COB) Coordination of benefits applies when you or your dependent(s) on the medical plan have additional coverage. For example, you may have your family on both your Vidant MedCost plan and your spouse’s plan. COB applies to medical only; it does not apply to prescription drug benefits.
Tobacco Additional Premiums Additional medical premiums of $40 per pay period will be charged if anyone covered under your MedCost plan is a tobacco user. Tobacco users include smoking, chewing, dipping, e-cigarettes, etc.
Tobacco users that have enrolled in a tobacco cessation program may apply to have the additional tobacco premium waived. Team members must complete a certification stating that they are actively enrolled in a cessation program. To find out more about the tobacco cessation program, please contact Employee Wellness at 252- 847-5590.
Spousal/Domestic Partner Additional Premiums If you cover your spouse under one of the medical plan options offered by the organization, you will pay an additional $50 premium if your spouse or domestic partner is eligible for medical coverage through his or her employer. This addition will be added to premiums you pay for your medical coverage.
It does not apply when:
You and your spouse are both team members of Vidant Health Your spouse has no group medical coverage available Your spouse is enrolled for Medicare coverage Your spouse is enrolled in TriCare
Wellness Additional Premium Team members enrolled in the medical plan who opt not to complete their new hire/annual WellScreen exam and/or Health Risk Assessment (HRA) will pay an additional premium of $25 per pay period. WellScreen exams may be completed by Occupational Health or a Primary Care Physician within the fiscal year (October 1st – September 30th). If you receive your WellScreen exam from your Primary Care Physician, all necessary paperwork must be submitted and approved by Employee Wellness prior to the fiscal year deadline. Health Risk Assessments are offered during the fiscal year. New team members hired after the close of Annual Enrollment for 2019 that opt to not complete the WellScreen exam described above will pay an additional premium of $25 per pay period.
If you are unable to participate in any of the health related activities or achieve any of the health outcomes required to earn an incentive, you may be entitled to a reasonable accommodation or an alternative standard. You may request a reasonable accommodation or an alternative standard by contacting Occupational Health to initiate the request for accommodation.
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Dental The Vidant Dental Plan, administered by Cigna, has been designed for team members to see any licensed dentist; however the benefits (i.e. lowest out-of-pocket cost to you) are greatest when services are received from a Cigna provider. Using a Cigna provider will eliminate the potential of charges exceeding usual and customary guidelines. Dental implants are covered when medically necessary at the Major benefit level. You can obtain a listing of providers at my.cigna.com or by calling Cigna at 800-244-6224.
Summary of Dental Coverage
Vidant Dental Plan
Basic Choice
In-Network Out of Network In-Network Out of Network
Preventive You pay 20% (deductible
waived)
You pay 20% (deductible
waived)
Covered at 100% (deductible
waived)
Covered at 100% (deductible
waived)
Deductible: Individual/Family
$50/$100 $75/$150 $50/$100 $75/$150
Basic You pay 40% after
deductible You pay 50% after
deductible You pay 20% after
deductible You pay 30% after
deductible
Major You pay 40% after
deductible You pay 50% after
deductible You pay 40% after
deductible You pay 50% after
deductible
Annual Maximum Dental Benefit
$1,000 per person $750 per person $2,000 per person $1,500 per person
Orthodontia (Under Age 19)
No Coverage No Coverage You pay 40%
(deductible waived) You pay 50% after
deductible
Orthodontia Lifetime Maximum
No Coverage No Coverage
$1,000 per person
$1,000 per person
*You may also be required to pay any amounts an out-of-network dentist charges that are over the Maximum Plan Allowance.
Coordination of Benefits (COB) Coordination of Benefits applies if you or any family members are covered by another dental plan in addition to the Vidant Dental Plan. If you are insured by two dental plans, you should advise your dental office so that benefits can be coordinated accordingly. Please see the Vidant Dental Plan summary plan description located on Team Central.
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Vision The Vision Care Plan is designed to encourage you to maintain your vision through regular exams and to help with expenses for prescription glasses and contact lenses. Superior Vision is the vision plan provider. With this voluntary plan, you may use in or out-of-network providers, but the level of benefit is higher when you receive care from an in-network provider. A listing of in-network providers can be found at www.superiorvision.com or by calling Superior Vision directly at 800-507-3800.
Superior Vision Superior Vision
In Network Benefit Coverage Out of Network Benefit Coverage
Benefit Description Copay Benefit Description
Well Vision Exam
Focuses on your eyes and overall wellness
Every calendar year
$20
Well Vision Exam
Focuses on your eyes and overall wellness
Every calendar year
Covered up to $44 retail
Prescription Glasses $20 Prescription Glasses
$150 allowance for a wide selection of frames
20% off amount over your allowance Every calendar year
Every calendar year
Frame Included in Prescription Glasses
Frame Covered up
to $77 retail
Lenses
Single vision, lined bifocal, and lined trifocal lenses
Every calendar year
Included in Prescription Glasses
Lenses
Single vision, lined bifocal, and lined trifocal lenses*
Every calendar year
Covered up to $64 retail*
Scratch Coat $13
Ultraviolet coat $15
Tints, solid or gradients $25 Lens Options
Anti-reflective coat $50**
Polycarbonate $40**
High index 1.6 $55**
Photochromics $80**
Contacts (instead of glasses)
$150 allowance for contacts; copay does not apply
Contact lens exam (fitting and evaluation) Every calendar year
Up to $50
Contacts (instead of glasses)
$100 allowance for contacts; copay does not apply
Contact lens exam (fitting and evaluation) Every calendar year
Contact lenses fitting co-pay not
covered
Extra Savings and Discounts
30% off any non-covered exam, frames and prescription lenses
20% off lens options, contacts and other prescription materials
10% off disposable contact lenses Laser Vision Correction
Discount on LASIK – Discounts range from 15% to 50; discounts only available from contracted Superior Vision facilities.
Extra Savings and Discounts
*Discounts may not be available for out of network providers
*Single covered up to $34 retail; bifocal covered up to $48 retail; trifocal covered up to $64 retail **Prices reflected are for single lenses. Bifocal and trifocal lenses have a 20% discount available
Coverage with a retail chain affiliate may be different. Once your benefit is effective, visit www.superiorvision.com for details. For more information, including plan limitations, exclusions and discounted services; please refer to the Vision Care summary plan description located on the Team Central website. Your provider will verify eligibility of your vision benefits. Go to www.superiorvision.com for details.
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Flexible Spending Accounts (FSA) Flexible Spending Accounts are an easy way for you to keep more of your take-home pay by using “pre-tax” dollars for eligible expenses. Simply present your FSA debit card for the purchase of eligible services and goods. Using the debit card allows you to directly tap into your Health Care and Dependent Day Care FSA, meaning better cash flow for you and no waiting for reimbursement.
Types of Eligible Expenses* & Guidelines
Health Care Flexible Spending Account
$2,650 annual maximum
Medical plan office visit co-pays, deductibles and coinsurance
Certain over-the-counter (OTC) items prescribed by your provider
Dental plan co-pays, deductibles and coinsurance
Orthodontia expenses
Vision care expenses including contacts, glasses, & LASIK surgery
Expenses can be for you or anyone you claim as a dependent on your Federal tax return**
Your entire election is available immediately regardless of actual payroll deduction amounts
Carry over up to $500 for the following calendar year
Expenses must be incurred by December 31 and submitted for
reimbursement by April 30th of the following year
Dependent Day Care Flexible Spending Account
$5,000 annual maximum
Used for dependent day care expenses while you and your spouse work, look for work or attend school full-time
Dependents include children under age 13 or dependents that are physically or mentally unable to care for themselves
Can only be reimbursed up to what you have had payroll deducted (pay as you go)
Expenses must be incurred by March 15 of the following year and submitted for reimbursement by April 30th of the following year
* This is only an example of eligible expenses. **Visit www.irs.gov for definition of eligible tax dependent
How it Works:
Estimate your expenses and make an annual election for the accounts that apply to you Your annual election is calculated on a per pay period basis and deducted from your paycheck and
deposited into your personal account. Payroll deductions begin from the effective date of your election and continue through the end of the calendar year.
A debit card will be issued to new participants. When you incur expenses throughout the year, present your debit card for payment. Eligible expenses are only reimbursable if they occur on or after the date of benefit eligibility
Filing Claims & the Reimbursement Process:
Keep all receipts. IRS requires documentation for many expenses to confirm they are eligible under the plan.
Use your debit card at the time of service or submit your receipts with a completed reimbursement claim form. Some debit card transactions may still require a receipt
For more information on the FSA accounts, visit www.discoverybenefits.com or call 866-451-3399
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Limited Purpose Flexible Spending Accounts (Limited Purpose FSA) The Limited Purpose FSA is for team members who are enrolled in the Medical Savings Plan and contributing to a Health Savings Account (or whose spouse is contributing to a HSA) in which case the regular Flexible Spending Account is not allowed.
The Limited Purpose FSA can be used for any non-medical health related expenses such as dental and vision.
Types of Account Eligible Expenses & Guidelines
Limited Purpose FSA
$2,650 annual maximum Dental plan co-pays, deductibles and coinsurance Orthodontia expenses Vision care expenses including contacts, glasses, & LASIK surgery Expenses can be for you or anyone you claim as a dependent on your
Federal tax return Your entire election is available immediately regardless of
actual payroll deduction amounts Carry over up to $500 for the following calendar year Expenses must be incurred by December 31 and submitted for
reimbursement by March 31 of the following year
How it Works: Estimate your expenses and make an annual
election for the accounts that apply to you Your annual election is calculated on a per pay
period basis and deducted from your paycheck and deposited into your personal account. Payroll deductions begin from the effective date of your election and continue through the end of the calendar year.
A debit card will be issued to new participants.
When you incur expenses throughout the year, present your debit card for payment.
Eligible expenses are only reimbursable if they occur on or after the date of benefit eligibility
Filing Claims & the Reimbursement Process: Please consider enrolling in direct deposit;
it’s FREE and the fastest way to get reimbursed
Keep all receipts. IRS requires documentation for many expenses to confirm they are eligible under the plan.
Use your debit card at the time of service or submit your receipts with a completed reimbursement claim form. Some debit card transactions may still require a receipt.
For more information on the FSA accounts, including available balance, savings calculator, expense planning worksheets, reimbursement claim forms, and IRS publications, www.discoverybenefits.com or call 866-451-3399
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Health Savings Accounts (HSA) If you are enrolled in the Medical Savings Plan, you may elect to open a HSA.
HSA is an optional savings account used to pay for qualified medical expenses directly with your HSA debit card or to reimburse yourself at any time for medical expenses you paid out of pocket. There is no time limit to reimburse yourself.
You can contribute to a HSA only if you are enrolled in the High-Deductible Plan and you are not covered
by any other medical plan (including spouse’s plan or Medicare) or flexible spending account.
Vidant will make a contribution to all HSAs for 2019: up to $600 for single coverage or up to $1,200 for “family” coverage, based upon your enrollment date. Family coverage for this plan is defined as any coverage other than single.
Maximum contributions set by the IRS. For 2019, the maximum contribution is $3,500 if single
coverage, or $7,000 if “family” coverage. An annual catch-up amount of $1,000 is available for team members ages 55-65.
In order to contribute to a HSA starting January 1, 2019, you cannot maintain a Flexible Spending
Account (FSA) except for a Limited Purpose Flexible Spending Account. If you have a balance of $500 or less in your FSA as of December 31, 2018, your account will be converted to a Limited Purpose FSA for 2019. Any amounts over $500 in your FSA as of December 31, 2018 will be forfeited.
In future years, if you change medical plans and are no longer enrolled in the High-Deductible Plan, you
can no longer add to your HSA, but you can still use any funds in your HSA to pay for qualified medical expenses.
Discovery Benefits
www.discoverybenefits.com
866-451-3399
Triple tax advantage – money saved is pre-tax, grows tax-free and withdrawn tax free if used
to pay for qualified medical expenses You own your HSA! Your account carries over from year to year and goes with you if
you take another job.
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Health Savings Accounts (HSA) (continued) A comparison of the HSA, FSA, and Limited Purpose FSA are below.
Health Savings Account Health Care Flexible
Spending Account (FSA) Limited Purpose Flexible
Spending Account (LPFSA) Eligibility Benefit-eligible team members
who are enrolled in the Medical Savings Plan and not
covered by any other medical plan
Benefit-eligible team members except those contributing to a
HSA
Benefit-eligible team members who are contributing to a Health Savings Account (HSA) or their spouse is contributing to a HSA
Eligible Expenses Qualified health care expenses include eligible medical, prescription, dental, and/or vision expenses. Also, long-term care premiums up to IRS allowed amount (See IRS Publication 502)
Qualified health care expenses include eligible medical, prescription, dental, and/or vision expenses
Qualified non-medical expenses only, such as dental or vision
Who Contributes You, through payroll deduction, and Vidant (Vidant will contribute: up to $600 if single coverage or up to $1200 (other than single) based upon enrollment date
You, through payroll deduction You, through payroll deduction
Access to Funds in Account
Funds only available after actually deposited
Balance available from day one even if not yet deposited into FSA
Balance available from day one even if not yet deposited into LPFSA
Annual Contribution Limits
2019 limits: $3,500 if individual coverage $7,000 if “family” (other than single coverage)
$2,650 for 2019 $2,650 for 2019
Vendor Discovery Benefits Discovery Benefits Discovery Benefits
Use it or Lose it No – funds left in a HSA at year end remain in account
Yes – except for a $500 allowable carryover. You only have one calendar year to use this carryover.
Yes – except for a $500 allowable carryover. You only have one calendar year to use this carryover.
Substantiation of Eligible Expenses
Your responsibility Discovery Benefits Discovery Benefits
Option to Change Contributions during the Year
Any time Only at annual enrollment or with certain qualifying life changes
Only at annual enrollment or with certain qualifying life changes
Expense Deadline Any time after establishment of the account
Deadline is December 31 of the current plan year to incur expenses
Deadline is December 31 of the current plan year to incur expenses
Expense Reimbursement Submission Deadline
At any time – no deadline Deadline is March 31 of the following calendar year
Deadline is March 31 of the following calendar year
Tax Impact Reduces your taxable income. Earnings on account and distribution in any calendar year are tax-free if used to pay qualified medical expenses
Reduces your taxable income Reduces your taxable income
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Life Insurance Plan Benefit Amounts
Team Member Basic Life &
AD&D
No Cost, just elect your beneficiaries for this benefit Full time providers - Coverage equal to one times annual base earnings
rounded to the next higher $1,000 (maximum $150,000) Part time providers – Coverage equal to $10,000 Term life insurance At age 70, there are life insurance amount reductions Provides coverage in case of an accidental death or dismemberment Benefits are payable in the event of loss of life, limb, sight, speech, or hearing
Team Member Supplemental Life & AD&D
May purchase coverage in increments of your base salary Maximum coverage – up to 4 times your annual base salary (maximum
$500,000) Request to add coverage subject to completion and approval of
evidence of insurability form if election not made when first eligible for coverage
At age 70, there are life insurance amount reductions For AD&D benefit, the amount matches your supplemental life coverage
election Provides coverage in case of an accidental death or dismemberment Benefits are payable in the event of loss of life, limb, sight, and speech or
hearing
Spouse Life
Coverage amount of $50,000 for spouse/domestic partner Request to add coverage subject to completion and approval of evidence of
insurability form if election not made when first eligible for coverage At age 70, there may be life insurance amount reductions If you and your spouse/domestic partner are Vidant team members, you are
ineligible to cover your spouse/domestic partner Managers receive employer paid benefit upon enrollment
Child Life
Coverage amount of $10,000 per eligible child Flat rate of $0.92 per pay period Eligible until the child’s 26th birthday If you and your spouse/domestic partner are Vidant team members, only one
parent is eligible to cover the child(ren) Managers receive employer paid benefit upon enrollment
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Life Insurance (Continued) Life and AD&D Supplemental Rates (per $1,000 of coverage)
Age Team Member Supplemental
Spouse Supplemental Child(ren)
Less than 25 $.073
Spousal rates are based on
age of team member
$0.20 per $1000 benefit
25-29 $.088
30-34 $.112
35-39 $.123
40-44 $.136
45-49 $.194
50-54 $.288
55-59 $.524
60-64 $.791
65-69 $1.511
70 and over $2.436
Example: $50,000 of team member supplemental life insurance at age 40 = $50,000 / 1000 x .136 = $6.80 per month ($6.80 x 12/26 = $3.14 per pay period).
A Word about Designating Beneficiaries It is very important that you maintain accurate beneficiary information for your life insurance elections. It is not necessary to add a beneficiary for your spousal life or child life insurance coverage; you are automatically the beneficiary for any spouse or dependent coverage you elect.
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Disability Benefits The disability benefits consist of a Short-Term Disability (STD) plan*, Long-Term Disability (LTD) plan, and an Extended Illness Bank (EIB) for certain eligible team members. The plans work together to replace a portion of your income when you are on an approved absence from work for your own serious health condition.
Plan Benefit Amounts & Guidelines
Extended Illness Bank (EIB)
Full time and Part time members receive a benefit for income replacement based on accumulated hours prior to 12/14/2014
Provides coverage after a seven day elimination period Income replacement at 100% Contact Lincoln Financial to file your disability claim: 800-213-3805
Short-Term Disability
(STD)*
Two plan options available: 15/11 and 30/09 15/11 has a 15 day elimination period and pays up to 11 weeks of
benefits 30/09 has a 30 day elimination period and pays up to 9 weeks of
benefits Pre-existing conditions apply** Contact Lincoln Financial to file your STD claim: 800-213-3805 Replaces 50% of your pre-disability pay ($1,000 per week
maximum)
Long-Term Disability
(LTD)
Provides coverage after a 90 day elimination period Replaces 50% of your pre-disability pay ($5,000 monthly maximum) Pre-existing conditions apply** Contact Lincoln Financial to file your LTD claim: 800-213-3805
Supplemental Disability Insurance (IDI)
Special enrollment in Spring/Summer each year for new eligible providers through UNUM
Replaces 60% of total compensation up to an additional $6,000 per month, for a total of $11,000 per month in compensation with the group plan
Pre-existing conditions apply
*VMG Providers and VMC Residents have a separate Short-Term disability plan **NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the Long-Term disability plan may not pay benefits.
Your effective date of coverage is the first day of the month following 30 days of employment or the first day of the month following 30 days of transferring into a benefit eligible classification.
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Critical Illness Benefit Group Critical Illness insurance is designed to help you offset the financial impact of a covered critical illness. Depending on the benefit amount you choose, it pays a tax-free lump sum benefit directly to you (unless otherwise assigned) to use any way you wish, in addition to any other coverage.
Features of the plan:
Must enroll in the first 30 days of hire
Elect benefit amounts of $15,000 or $30,000
Spouse and/or children are covered at 50% of the team member’s benefit amount
Children are covered under the team member’s plan at no additional cost
Wellness Benefit is included, which pays an annual benefit of $50 per covered person paid directly to you
Benefits do not reduce at any age
Coverage is portable; you can take it with you For more information, or to sign up, call the enrollment center at 800-290-1744.
Whole Life Insurance Benefit Whole Life Insurance is designed to provide death benefits, but it can also build cash value that you can utilize while you are still alive. At an affordable premium, you can have the added financial protection you and your family may need during times of uncertainty. Features of the plan: Must enroll in the first 30 days of hire
May purchase coverage for yourself, spouse, your children and/or grandchildren
Long Term Care Rider is included which provides benefits for nursing home care, home health care, or adult day care
Coverage is portable; you can take it with you without an increase in premium or decrease in benefits
For more information, or to sign up, call the enrollment center at 800-290-1744.
Some covered critical illnesses
include: Heart Attack
Stroke Cancer Coma
Carcinoma in Situ Blindness
Major Organ Transplant Alzheimer’s
Loss of Hearing End Stage Renal
Disease Parkinson’s Paralysis
Coronary Artery By-pass Benign
Brain Tumor Occupational HIV
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Leave Time (Holiday, Sick, and Vacation) Generally, providers accrue time off in the vacation/sick/holiday structure. However, leave time is based on the provider’s contract.
Provider Leave Time Based on contract. Regular part-time providers (.5-.79 FTE) accrue ½ the benefit time that full-time providers receive. A unique feature of the Leave Program is the opportunity for providers to “cash out” up to 80 vacation hours per year. “Cash-outs” are to be completed via Employee Self-Service. Vacation time is accrued throughout the year, and Providers may carry-over the following from one fiscal year to the next:
One (1) year of vacation time when employed less than 10 years
Two (2) years of vacation time after 10 consecutive years of employment Any vacation time accrued, but not used, in excess of these limits will be subject to forfeiture by the provider at the end of each fiscal year.
Administrative Stipend Providers of .5 FTE and greater will be eligible for a prorated maximum of $6,500 in CME each year. These dollars are to be taxed and cover expenses such as medical licensure, continuing education, books, and journal subscriptions.
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Employee Assistance Program (EAP) Employee Assistance Program (EAP) services are available to help team members, their spouses, and children under the age of 26, resolve challenges they face in everyday life. EAP services offers six FREE & CONFIDENTIAL counseling sessions per issue, per year, with a Master’s level behavioral health professional. EAP counselors work collaboratively with team members to resolve personal or work related problems. Counseling is brief and solution focused. Vidant EAP Can Help With:
Work and/or personal stress Depression/anxiety Burnout Compassion fatigue Conflict in families or personal relationships Substance use Personal loss or grief Violence in the home Parenting and step-parenting Child behavior/school difficulties Separation and divorce Enhancing personal resilience
Additionally, you and your eligible family members are entitled to a free 30-minute consultation per legal matter with an attorney, and a 25 percent discount if you continue with that attorney. Team members are also able to receive free financial services via a 30-minute phone consultation per financial issue. To schedule an appointment, you may call 252.847-HELP (4357) or call the toll-free number at 1.877.843.7207.
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Retirement Program Highlights The Vidant Retirement Program consists of a 401(K) plan where you can save through pre-taxed payroll deductions for retirement. All new hires and first time eligible team members hired on or after 1/1/2010 will be automatically enrolled in the Fidelity 401(k) Partnership Savings Plan at 5% of your earnings after 30 days or as soon as administratively practical. If you wish to start saving sooner, or change the amount, you may do so by contacting Fidelity at 800-343-0860 or by going online to http://www.fidelity.com/atwork.
401(k) Plan Fidelity Investments
What is it? Team members contribute pre-tax dollars toward retirement
Is there an employer match? Yes, after you have completed one year of service
How is the money invested? Automatically enrolled in target date fund based on age– able to choose investments
Who’s eligible? All team members in a benefit eligible status are eligible to contribute
How much can I contribute? You may choose to defer any percentage between 1% and 80% to go towards your Fidelity account. IRS rules state that you are not eligible to exceed $18,500. If 50 or older, you may contribute an additional $6,000 catch-up.
How do I enroll? New hires and first time eligible team members will be automatically enrolled 30 days after becoming eligible. Elect a contribution rate online at www.netbenefits.com or by calling Fidelity at 800-343-0860.
When can I enroll? Anytime
How do I change the amount I want to contribute?
Change your contribution rate online at www.netbenefits.com or by calling Fidelity at 800-343-0860. You can change your amount at any time.
Am I vested? 100% vested from day one
Who do I call for more information?
Contact Fidelity at 800-343-0860 or online at www.netbenefits.com
Matching Contributions – Up to 5% after completing 12 Months of Service
Years of Service *Matching %
1 but less than 5 50% 5 but less than 10 75%
10+ years 100% *Pension eligible team members receive 50% match up to the first 5% of their contribution regardless of years of service.
For detailed information, please see the Partnership Savings Plan located on Team Central.
A Word about Beneficiaries It is very important that you maintain accurate beneficiary information for your Fidelity plan Beneficiaries can be updated online once you have created your online account at www.netbenefits.com. Your retirement plan beneficiaries are separate from your life insurance beneficiaries.
Deferred Comp 457(b) Plan Pre-tax savings account
Limit of $18,500 per calendar year
Age-based provision of $6,000 available if over age 50
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Other Benefits & Services Adoption Assistance Program Team members can receive up to $2,500 per child, with a maximum of $5,000 in a budget year towards financial assistance to reimburse eligible expenses associated with the adoption of a child. Eligible expenses include legal and court fees, temporary foster care charges, travel expenses associated with the adoption, counseling, placement, and agency fees. Additional eligibility information can be obtained on the Team Central Webpage.
Advanced Mammography Vidant has invested in advanced 3D mammography technology in eight locations in eastern North Carolina. 3D mammography provides a clear, three-dimensional image by compiling scans from many angles. This results in these key advantages:
Greater detail and improved accuracy
40 percent increase in cancer detection
Detects more invasive, life-threatening tumors
Fewer call-backs, resulting in less anxiety
Better at detecting cancer in dense breast tissue
Digital images that allow doctors in other locations to consult if needed
Accomodates even very large breasts
Patient-friendly design that’s more comfortable
Cost covered 100% if on Medcost plan
Call one of the eight convenient locations for an appointment:
Vidant Bertie Hospital – 252-794-6626
Vidant Chowan Hospital – 252-482-6245
Vidant Duplin Hospital – 910-296-8875
Vidant Edgecombe Hospital – 252-641-7376
Vidant Medical Center – 252-847-4541
The Outer Banks Hospital – 252-449-5918
Vidant Roanoke-Chowan Hospital – 252-209-3033
Vidant Women’s Care – Washington – 252-946-6544
Diabetes Prevention Program Vidant Employee Wellness offers the Diabetes Prevention Program (DPP) aimed at lifestyle changes that can help you lose weight, become more physically active and reduce stress. The Diabetes Prevention Program with Vidant Employee Wellness includes:
Free program for Vidant team members and spouses
Free medications for certain chronic conditions like: asthma, high blood pressure, cholesterol, and smoking cessation
Proven program to prevent or delay type 2 diabetes
A year-long program with materials
Weekly meetings for 6 months, then 1-2 times a month for 6 months
Lifestyle coaching with group support
Learning new skills to promote lifestyle changes
Discounts for Wellness and Fitness Centers Vidant Wellness Center (Greenville, Ahoskie & Washington) - Membership discounts available for team members and families. More than 3,400 Vidant Health team members are members of a Vidant Wellness Center. For more information about the Greenville location, call 252- 847-6501; Ahoskie location, call 252-209-3090; and Washington location, call 252-975-4236.
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Chronic Care Management Program Free 1-on-1 disease management services with Vidant Employee Wellness Nurse Case Manager or Health Coach available to help develop self-management skills to improve wellness goals. This program is for Vidant Health team members and covered spouses who have high risk factors and/or complex medical conditions such as high blood pressure, diabetes, high cholesterol, obesity, asthma, congestive heart failure or coronary artery disease. Eligible participants may receive free medications from the Vidant Health Employee Pharmacy for the conditions that qualify. Call 252-847-5590 for more information.
Team Member Discounts with BenePlace All team members are eligible for a wide variety of discounts for computers, cell phones, travel, entertainment and much more. Please visit www.beneplace.com/vidanthealth to take advantage of these savings today.
Smoking/Tobacco Cessation Cessation programs are available for free in a group setting or 1:1 health coaching for team members, dependents, and the community at most Vidant Health locations. Vidant Health Team Members receive free cessation medications by participating in the Employee Wellness Program. For more information, please call Employee Wellness at 252-847-5590.
Vidant Health’s Employee Clinic A convenient and cost effective facility for Vidant Health team members and their eligible dependents of 13 years of age or older to visit when seeking medical treatment. Low co-pay of $5.00 if enrolled in the Vidant Health Basic or Choice Medical Plan. Payment is required when services are rendered. If enrolled under another insurance plan, call the Employee Clinic to determine participation. Same day-appointments may be available. Call 252-847-CARE (2773) for an appointment. The Employee Clinic is located at 600 Medical Drive. Business hours are Monday-Friday from 7:00 am – 5:00 pm.
Weight Management Programs Weight Watchers: Weight Watchers is convenient and flexible. There are three different ways to become a member of Weight Watchers. You can join online, in the community, or onsite at your hospital, where applicable. All Vidant Health team members are eligible for the 50% incentive when joining. In addition, FREE Weight Management Programs are offered through Employee Wellness. Call 252-847-5590 for more information regarding either program. Eat Smart, Move More, Weigh Less: A 15-week online weight management program that is geared to inform, empower, and motivate you to live mindfully as you make choices about eating and physical activity. An experienced instructor trained in weight management leads each weekly one-hour lesson. Reserve your seat today by registering online at https://esmmweighless.com for a fee. Contact 252-847-5590 to receive the 50% discount. Medical Weight Loss: The Vidant Health medical plan covers medical visits and prescriptive medication for weight loss as well as surgical weight loss for those that qualify. Check your medical plan for coverage and eligibility. Contact the Vidant Wellness Center for program options at 252-847-6501.
