Looking Ahead - Centra Health - Careers

Looking Ahead

2 WelcometoYourBenefitsEnrollment

3 TotalRewards

3 What’sNewin2021

4 Who’sEligible?

5 HowandWhentoEnroll

6 MakingChangesDuringtheYear?

7 MedicalCoverage

10 WellnessProgram

12 TaxSavingsAccounts

14 HospitalIndemnity

14 AccidentInsurance

14 CriticalIllness

14 LegalPlan

15 DentalCoverage

16 VisionCoverage

17 2021HealthInsuranceRates

18 DisabilityIncomeProtection

19 LifeandAD&DInsurance

20Retirement

21 LongTermCare

22PaidTimeOff

23Questions?AsktheExperts

24CentraMedicalBenefitsPlanNon-DiscriminationNotice

The information in this guide gives you a brief summary of the benefits you can currently choose through the Centra Choices Benefits Program. Centra may change benefits in whole or in part at any time.

All benefits are governed by legal documents and insurance contracts. If there is any discrepancy between this description and the official plan documents and contracts, the documents and contracts will determine the benefits. For purposes of ERISA, this brochure serves as a Summary of Material Modification for all the applicable Summary Plan Descriptions.

Need more information? Importantcontactinformationcanbefoundonpage23.

Also,don’tforgettolookovertheImportant Required Noticeonpage24.

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Welcome to Your Benefits Enrollment

Yourbenefitsareamajorpartofyourtotalcompensation–addingmorethan25%toyoursalary!Recognizingthediversityofourpopulation,weprovideflexibleplans,soyoucanchoosebasedonyourindividualandfamilyneeds.

WithCentra’sbenefitsplan,youandyourfamilyhavetheopportunityto:

— Stayhealthywithmedical,dental,andvisioncoverage.— Receivetaxsavingswithflexiblespendingaccountsorhealthsavingsaccounts.— Boostyourhealthwiththewellnessincentive,WellPowerandourNEWDiabetesProgram.— Enjoysecurityandpeaceofmindwiththedisability,lifeinsurance,andretirement

savingsplans.

Thisguideisdesignedtohelpyoulearnabouttheoptionsavailabletoyouasyoumakeyourenrollmentchoices.Formoredetailedinformationaboutanyofthebenefitsinthisguide,visitCentraPeople>EmployeeMatters>Benefits.PleasereachouttoHumanResourcesifyouhaveanyquestions.Do you need to take action? Keepinmindthatyoumustenrollifyouwantto:

Your BENEFITS Our FOCUS

— Electmedical,dental,andvisioncoverage.— Addordropdependentsfromcoverage.— ContributetotheHealthCareand/or

DependentDayCareSpendingAccounts(evenifcurrentlyenrolled)andHealthSavingsAccount.

— ChangeyourVoluntaryLifeInsuranceordisabilityinsuranceelections.

— Electvoluntarybenefits,suchasHospitalIndemnity,AccidentInsurance,WholeLifeInsurance,CriticalIllnessandMetLegal.

Centraisproudtoofferyouandyourfamilyaquality,comprehensivebenefitsprogram.

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Total Rewards

What’s New in 2021Togiveyoumorechoicestokeepyouandyourfamilyhealthy,Centraisofferingthesenewbenefitsin2021:

Tiered Network Salary BandsLearnmoreonpage8.

Wellness DiscountsAsaCentraemployee,youhaveaccesstodiscountsforanumberofhealthandwellnessprogramsandourexcellentincentivecampaign.Earndollarstowardsyour2022benefitprogrambycompletinghealthyhabitsin2021.Learnmoreonpage11.

KnovaSolutions Diabetes ProgramThisnewdiabeteshealthandpharmacybenefitcanhelpyoumanageyourdiabetessoyoustayhappyandhealthy.Learnmoreonpage9.

Dedicated PCHP Customer Service LineCentracaregiverscanreachoutdirectlytoPCHPat434-947-4463opt.1ordialextension504tospeakwiththededicatedCentracustomerserviceteam

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WelcometoTotalRewards2021!WeareexcitedtoshareallCentrahastooffertokeepyouhealthy,happy,andontherighttrack!WearealwayslookingforopportunitiestomakeyourCentraexperiencethebestexperience.Therefore,wehavecreatedTotalRewardsforYOU.First,wefocusonthe“total”you:— yourcompensation— yourbenefits— yourwork/liferesources

Then,wetargetwaysto“reward”youforajobwelldone.UnderourTotalRewardsprogram,youwillfindallyouneedtogetthemostoutofyourexperienceasaCentraCaregiver.

Everydayweaskyoutobetheadvocateforyourpatients,tocreateasafeenvironmentwheretheyaretreatedwithcompassionandintegrity.WedependonyoutomaketheCentraexperiencememorableandpleasant.ButtakingcareofothersrequiresahealthyYOU.TotalRewardsisourwayoftakingcareofyou,soyoucantakecareofothers.AtCentra,weunderstandthatYOUarewhatmakesourorganizationsuccessful,andwearecommittedtolettingyouknowthatyouarevalued.Itisourgoaltomeetyourexpectationsateveryturnandtobethereforyou,providingthebenefitsandtoolsthatwillallowyoutogrowandsucceed!

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COVID-19

A letter from our Senior Vice President Chief People Officer, Rick Grooms

Thehealthandwell-beingofourcaregiversandtheirfamiliesisourhighest

priority.Youareourmostvaluableasset,andthisstatementhasneverbeen

moretruethanitisnow.Everyoneisundertremendousstressaswefeel

theimpactofCOVID-19onourcountryandourcommunities.Thisstressis

amplifiedforthosewhoareinthehealthcareindustrybecauseofthevital

roleyouplay.

Whileitisstillunclearhowlongthispandemicmaylast,wewantyoutoknowthatwearehere

everystepoftheway,lookingoutforyourwell-beingandsupportingyourheroicefforts.Itisour

goaltotakecareofyousoyoucantakecareofothers,includingyourownfamilyandlovedones.

Withinthepagesofthistoolkitaretipsandguidelinesaswellasimportantcontactinformation

andresourcesyoumightfindhelpfulaswenavigatetheseuncertaintimes.

Wewantyoutoknowthatweappreciateeverythingyoudo,everyday,totakecareofour

communities.Weunderstandthattheseeventshaveanimpactonyouandyourlovedones,

andweencourageyoutousetheseresourcesbothnowandforfutureneeds.Pleasetakeevery

opportunitytocareforyourmentalhealthandwell-beingaswefacethisfighttogether.

Thankyouforyourdedicationandcommitment.

Resources

How can EAP help you?

EAPallowsyoutohaveaconfidentialconversationwithalicensedprofessional.ThingsthatareoftendiscussedwithyourEAPteaminclude:

• Depression• Anxietyandstress• Griefandloss• Stressrelatedtofinancial,medical,orlegal

problems• Familyissues–marital,relationships,parenting• Careerorjobconcerns• Alcoholordrugabuse• Otherconcernsaboutemotionsorbehaviors

Employee COVID-19 Hotline ....................................................................................... 434-200-1897

Employee Assistance Program (EAP) ........................434-200-6000 (toll free: 833-200-6282)

TheEmployeeAssistanceProgramofferedbyHealthWorksprovidesservicestoemployeesandtheirfamilymemberswithworkandpersonalconcerns.EAPisavailabletoanyCentraemployee,theirspouse,andtheirdependents.

How do I make an appointment?

SimplycalltheEAPatHealthWorks.Itdoesnotmatterwhereyoulive,EAPstaffwillhelpyouscheduleanappointment.

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Throughthisresourceyouwillfindaccesstosupportincluding:• COVID-19resources• Legalandfinancialsupport• Resiliencysupportresources• Emotionalwell-beingresources• Caregiversupportlocatorsincluding

eldercareservices,newparentservices,educationalservices,etc.

WorkLife Phone ....................... 1-800-537-2153

Website .............................https://healthworks.personaladvantage.com

Someproblemsthatdon’tseemseriouscanaffectwork-lifebalance.Issuesliketransportation,childcare,orsleeplessnesscreateimbalancesthattakeatollovertime.Thinkofworklifeasapersonalassistantthatallowsyoutohavetheabilitytofindavailableresourcestosupportyou.

Wellness Portal ........................go.hw4me.com

DidyouknowthatyourWellnessPortalhasaccesstonutritionplans,exerciseplans,recipes,andaccesstoadatabaseofhealth-relatedarticles?Youwillalsofindworkshopsonsleep,financialwellness,andmuchmore!

Gotogo.hw4me.comtologin.Ifitisyourfirsttimeaccessingtheportal,enteryouremailinthe“Ineedanaccount”boxandfollowtheprompts.

Join “Centra Connect” on Facebook

Centrahasaprivate,internalFacebookpagecalledCentraConnect.Search“CentraConnect”onFacebookandrequesttojointhegroup.Thisgroupisaplacewherewecanconnectwithoneanother,celebrateandappreciateeachother,andstayinformedaboutwhat’sgoingonaroundCentra.

Centra 24/7 Virtual Visits ........centra247.com

Nomatterwhereyouareorwhattimeofdayitis,Centra24/7isafreeappthatprovidesimmediateaccesstoaboard-certifiedphysician.Connectusingaphone,tablet,orcomputer24hoursaday,sevendaysaweekandspeaktoaproviderthroughalivevideochat.Centra24/7canbeusedanytime,dayornight.It’sperfectwhenyourdoctor’sofficeisclosed,you’retoosickorbusytoseesomeoneinperson,orevenwhenyou’retraveling.

Centra 24/7 offers:

• Yourchoiceoftrusted,U.S.board-certifieddoctors

• Peaceofmindwithadoctor“oncall”24/7toprovidequalitycare

• Consultation,diagnosis,andprescriptions(whenappropriate)

Use Centra 24/7 for urgent care symptoms and conditions such as:

•Cold•Rash•Diarrhea•Cough•Pinkeye•Fever•Flu•Allergies•Urinarytractinfection•Sinusinfection•Vomiting•Sorethroat

Centra Employee COVID-19 Internal Resources

1. Gotowww.centrahealth.com2. Scrolldownto“Employees,Volunteers&

Providers”heading3. ClickonCOVID-19EmployeeLink

PCHP Group Plan Members Customer Service .........................................888.674.3368

.....................................................www.PCHP.net

Duringtheseuncertaintimes,wearetakingunprecedentedactionforcaregiversonourhealthplanwhomightfindthemselvesseekingcareandtreatmentforCOVID-19.Ourdesireisthatyoucancontinuetofocusonyourhealthandwell-being.OnewayCentrawillaidindoingsoisbycoveringthePCHPplanmembers’costsharingresponsibilitiesforCOVID-19services(testingandtreatment).

WeencourageyoutoseektreatmentviaCentra24/7.TheseservicesarefreetoallCentracaregiversonthePCHPhealthplan.Youcanaccessthesetelemedicineserviceshere:https://www.centrahealth.com/Centra247.

Who’s Eligible?

Employees

YouareeligibletoparticipateinCentra’sbenefitsplansifyouareafull-timeorregularpart-timeemployee.New hires must enroll within 31 days of their hire date to have coverage for the rest of the plan year. Ifyouareenrollingduetoastatuschangeorlifeevent,benefitswillbeginthefirstofthemonthfollowingthedatetheHRTotalRewardsTeamreceivesyourcompletedenrollmentformsandsupportingdocumentation.

Dependents

Yourdependentsareeligibleformanyoftheplansweoffer.Eligibledependentsinclude:

— Yourlegalspouse— Yourdependentchildrenuptoage26— Yourdisableddependentchildrenof

anyage

Theterm“children”shallincludenaturalchildren,stepchildren,adoptedchildren,andchildrenplacedwithacoveredemployeebyanauthorizedplacementagencyorbycourtorder.

Note: Ifyourspouseiseligibleformedicalcoveragethroughanotheremployer,youmaystillelecttocoverthemunderCentra’smedicalplan.Pleasenote,asurchargeof$50perbi-weeklypayperiodwillbeassessed.

Spouses Who Both Work for Centra

SpouseswhoareemployedbyCentraandeligibleforbenefitscanbecoveredeitherasanemployeeorasadependent,butnotboth.Also,yourdependentchildrenmayonlybecoveredbyoneofyou.

Important Note:Whenenrollingaspouseordependentforthefirsttime,youshouldprovidehisorherSocialSecuritynumberanddateofbirth.

Scheduled Hours Per Week to Qualify for Benefits

Full-Time Part-Time Limbo

Centra 36-40 24-35 <24

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Benefits Eligibility by Status

Medical Dental VisionFlexible

Spending Life DisabilityVoluntary

Plans** PTO

403b Match and

Base

Full Time * * * * * * * * *Part Time * * * * * * *

***Voluntary coverage options can only be added at Open Enrollment or as a new hire. If you are processing a mid-year status change, you can only add these coverage options during the Open Enrollment season.

How and When to Enroll

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Enrollmentiseasyandconvenient.Thesetipswillassistyouinchoosingthebestoptionsforyourselfandyourfamily.

1. ReadandreviewallbenefitsmaterialsprovidedandfoundonCentraPeople->EmployeeMatters->Benefits,2021BenefitsDocuments.

2. Makeyourbenefitchoices.

3. ACTION REQUIRED:Electionsmustbemadewithin31daysofyourhiredate.Benefitswillbeeffectivethefirstofthemonthonorafteryourhiredate.

Centrawantseveryemployeetohaveaclearunderstandingofthebenefitsoffered.Allnewly-hiredbenefitseligibleemployeesarerequiredtospeakwithaBenefitCounselor,whowillprovidebenefitseducation/enrollmentservices.Elections must be made within 31 days of your hire date. Benefits will be effective the first of the month on or after your hire date.

CALL CENTEREnrollinbenefitsbycallingtheCentraHealthBenefitsEnrollmentCenterat888-659-1475,MondaythroughFriday,9a.m.–6p.m.EST.SpeakwithaBenefitCounselorforbenefitseducation/enrollmentservices.

4. ThebenefitchoicesyoumakeduringenrollmentwillremainineffectthroughDecember31,2021,unlessyouhaveachangeinfamilystatusoraqualifiedlifechangeevent(seeMakingChangesDuringtheYearonpage6fordetails).

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Making Changes During the Year?Thebenefitchoicesyoumakeduringenrollmentwillremainineffectfortheentireplanyearunlessyouexperienceaqualifyinglifeevent.Examplesofqualifyinglifeeventsinclude,butarenotlimitedto:

— Changeinyourmaritalstatus— Birthoradoptionofachild

— Changeinemploymentstatus— QualifiedMedicalChildSupportOrder

(QMCSO)

It is your responsibility to notify Centra within 31 days after a qualifying life event.Youmayneedtoprovidedocumentationoftheevent,suchasamarriagelicenseorbirthcertificate.Anybenefitchangesmustbedirectlyrelatedtotheevent.Formoreinformation,visitCentraPeople->EmployeeMatters->HumanResources->LifeChanges.

Changing from Part-Time to Full-Time Status

Ifyouhadpreviouslybeenafull-timeemployeeandyouarenowchangingfromapart-timestatusbacktofull-time,specialrulesapply:

— Ifyouhavehadpart-timestatusformorethanoneyear,youcanmakenewlifeandlong-termdisabilityelectionswithoutanylimitations.

— Ifyouhavehadpart-timestatusforlessthanoneyear,youcanonlyelecttheleveloflifeandlong-termdisabilitycoverageyouhadineffectwhenyouwerepreviouslyafull-timeemployee.

Rehired at Centra

IfyouarerehiredatCentralessthan61daysfromyourterminationdate,thebenefitsyouwerepreviouslyenrolledinwillcontinue.YouwillbeunabletomakechangesuntilthenextannualOpenEnrollment.

IfyouarerehiredatCentraafter61daysormorefromyourterminationdate,youmustcompletethebenefitsenrollmentprocessfornewhires.

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AtCentra,weunderstandtheimportanceofgoodhealthasthefoundationforaproductivelifeathomeandatwork.Tokeepyouandyourfamilyhealthyallyearlong,Centraoffersyoutwocomprehensivemedicalplans:

1. TheBasic Care Planisatraditionalinsuranceplaninwhichyoumustmeetyourdeductiblebeforetheplanbeginstopaybenefits.Youpaycopaysforcertainservicesandprescriptiondrugsbeforeandaftermeetingyourdeductible,butoncethedeductibleismet,theplanpays80%ofthecostofmostotherin-networkservices.YoudonotneedtoobtainareferralornameaPrimaryCarePhysicianunderthisplan!

2. TheHigh Deductible Health Plan (HDHP) Advantagerequiresyoupaythefullcostofyourmedicalcareuntilyoumeettheannualdeductible(exceptforcertainmaintenancemedicationsandwellnessvisits).Onceyoumeetthedeductible,theplanpays100%ofthecostofmostotherin-networkservices.

Note: TheHDHPAdvantageistheplanyouneedtochooseifyouwantaHealthSavingsAccount(HSA).TheHSAisatax-favoredaccountthathelpsyoucoveryourout-of-pocketmedicalexpenses.CentrawillalsocontributetothisaccountforHDHPAdvantageparticipants–seetheHSAsectionfordetails.

Withbothplans,stayinthePiedmontCommunityHealthPlan(PCHP)networkforcaretoreceivethehighestlevelofbenefits.Thechartbelowshowsyourcostforcertainservicesundereachplan.

Takeadvantageofyourfreein-networkpreventivecareservices.Visitwww.hhs.govforalistofcoveredpreventiveservices.

Medical Coverage

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PRESCRIPTION DRUG COVERAGEYourCentramedicalplansalsoincludeprescriptiondrugcoverageatanin-networkpharmacyonly.

The chart below shows your cost for certain services under each plan.

Type of MedicationBasic Care Plan HDHP Advantage**In-Network Only In-Network Only

Retail (30-day supply)— Generic— Formulary— Non-formulary— Specialty(andmailorder)

$10copay$35copay$60copay30%coinsurance(or$0copay*)

0%after$3,000individual/$6,000familydeductible

Mail Order (90-day supply)— Generic— Formulary— Non-formulary

$25copay$87.50copay$150copay

0%after$3,000individual/$6,000familydeductible

*Basic Plan Only-$0 copay for Specialty drugs if enrolled in the PrudentRx copay program**See Centra People > Employee Matters > Benefits for a list of maintenance medications provided for a generic copay under the HDHP option.

Medical FeaturesBasic Care Plan

High Deductible Health Plan (HDHP) Advantage

In-Network Out-of-Network In-Network Out-of-Network

Annual Deductible

— Individual/Family

Tier1:$1,250/$2,500Tier2:$1,500/$3,000Tier3:$1,750/$3,500

Tier4:$6,000/$12,000

Tier1:$2,750/$5,500Tier2:3,000/$6,000Tier3:$3,250/$6,500

Tier4:$5,000/$10,000

Annual Out-of-Pocket Maximum (includes copays)

— Individual/Family

Tier1:$3,500/$7,000Tier2:$4,000/$8,000Tier3:$5,000/$10,000

Tier4:$12,000/$24,000

Tier1:$2,750/$5,500Tier2:$3,000/$6,000Tier3:$4,500/$9,000

Tier4:$10,000/$20,000

Coinsurance (portion you pay)

20% 40%Tier1:0%Tier2:0%Tier3:10%

40%

Preventive Care Services e.g.,annualphysicals,well-childexams,ageappropriatescreeningssuchasmammograms,etc.

Covered100%,nodeductible

40%afterdeductible

Covered100%,nodeductible

40%afterdeductible

Office Visits

— PrimaryCarePhysician

Tier1:$10Tier2:$25Tier3:$50

40%afterdeductible

Tier1:0%afterdeductibleTier2:0%afterdeductibleTier3:10%afterdeductible

40%afterdeductible

Office Visits

— Specialists

Tier1:$25Tier2:$50Tier3:$75

40%afterdeductible


40%afterdeductible

Diagnostic Lab & X-ray 20%afterdeductible40%afterdeductible


40%afterdeductible

Inpatient Hospital 20%afterdeductible

40%afterdeductible,plus$500peradmissiondeductible


40%afterdeductible,plus$500peradmissiondeductible

Emergency Room(copay waived if admitted)

Centra:$100co-payment,20%afterTier1deductible

Non-Centra:$100co-payment,20%afterTier2deductible

$100copay,20%afterTier2deductible

Centra:0%afterTier1deductible

Non-Centra:0%afterTier2deductible

0%afterTier2deductible

*If you or your dependent live outside of the Central Virginia area, please contact PCHP regarding your tiered network coverage.*The deductible and copayment is dependent upon the Tier in which the Provider falls under*

Tier1:CentraHealthprovidersandfacilitiesTier2:PiedmontCommunityHealthPlanparticipatingprovidersandfacilitiesTier3:AetnaSignatureAdministrators(ASA)participatingprovidersandfacilitiesTier4:Out-of-Networkprovidersandfacilities

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DIABETES PROGRAM & ENHANCED PHARMACY BENEFIT Managingyourdiabetestakeswork.That’swhyCentraisofferinganewdiabeteshealthandpharmacybenefitthisyear.Ifyouand/oryourdependenthavebeendiagnosedwithdiabetes,youqualifyfortheKnovaSolutionsDiabetesProgram.Thereisnocosttoyouandenrollmentintheprogramisvoluntary.MemberswhoareActiveParticipantsintheDiabetesProgramwillreceivecertaindiabetesmedicationsatazero-dollarcopay.Adruglistwillbeprovided.Thislistwillbeupdatedovertime.

How do I enroll?Toenrollintheprogram,youmustcompletetheKnovaSolutionsDiabetesAssessmentTool.YoumayinitiateyourenrollmentintheprogramasearlyasOctober2020.ToaccesstheKnovaSolutionsDiabetesAssessmentToolcall1-800-355-0885ore-mailcontactknovasolutions@workpartners.com.KnovaSolutionsmayalsoreachouttoyouwithaletter/emailorphonecallnotifyingyouoftheprogramandhowtoenroll.Also,CentraEmployeescanfindinformationabouttheAssessmentToolviatheWellPowerWellnessPortalat:go.hw4me.com.

What’s Next?AfteryoucompleteyourAssessmentTool,aKnovaSolutionsclinicianwillcontactyoutodiscusstheresultsand/orscheduleafollowupappointmentwithacertifieddiabeteseducator(CDE)tocreateapersonaldiabetesplan.Thisplanisfocusedonyouandyourdiabetescare.Thegoalistohelpyoufeelandfunctionatyourbestwithdiabetes.

The RX BenefitThroughthehealthplan,youcanearna$0copayforcertaindiabetesmedicationsduringtheplanyear.Toreceivethisbenefit,youmustbeanActiveParticipantintheprogrambyeitherdemonstratingongoingmanagementofyourdiabetesorparticipatingintheKnovaSolutionsprogram.YoumustcompletetheassessmenttoolandspeakwiththeKnovaSolutionsclinicianbythe10thofthemonthtoreceivethe$0copaybenefitinthefollowingmonth.ParticipationintheprogramrequiresongoingcontactwithyourCDE.ThiscontactisbasedonthepersonaldiabetesplanyouandyourCDEestablishedwhenyouenrolledintheprogram.Anymemberreceivingthebenefitwhoeitherdoesn’trespondtoKnovaSolutionsoutreachorstopsparticipatingintheKnovaSolutionsDiabetesProgramwilllosethe$0copayforcertaindiabeticmedications.Thismeansyouwillpayforthecostofyourmedicationsaccordingtotheplanyouareenrolledinandthetypeofmedicationyouaretaking.

Inordertore-enrollintheprogramandqualifyforthe$0copayfordiabetesmedicationsyouwillneedtoretaketheKnovaSolutionsDiabetesAssessmentToolandstarttheprogramover.PleaseusethesameresourcesandlinksasabovetoaccesstheAssessmentTool.Centrareservestherighttocancelormodifythisprogramatanytime.

The PrudentRx Copay Program

Weallknowthatthecostofprescriptionmedicationsisrising.Thisisespeciallytrueofspecialtymedications.Aspartofyourprescriptionplan,ThePrudentRxCopayProgramallowsyoutogetselectspecialtymedicationsatnocosttoyou.Thatmeans$0out-of-pocket(OOP)foranymedicationsonyourplan’sexclusiveSpecialtyDruglistwhenyoufillbyCVSSpecialty.

WhatisthePrudentRxCopayProgram?ThePrudentRxCopayprogramcombinesaninnovativespecialtycopayplandesignstrategyandimprovedmemberexperiencetohelpoptimizesavingsfromnon-needsbasedmanufacturercopaycardsandreducemembercosts.Theprogramallowsmemberstopay$0OOPforallspecialtymedicationsontheplan’sexclusivespecialtydruglistdispensedbyCVSSpecialtyregardlessifacopaycardisavailable.

RefertotheCentraPeopleformoredetails.

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Centra’swellnessprogramisdesignedtokeepyouhealthyandhappywhilesupportingyoureffortsatlivinganactivelifestyle.Thewellnessprogram,WellPower,focusesonprovidingtoolsandresourcestohelpyoutakechargeofyourhealth.

FREE PROGRAMSCentraoffersmanyprogramsatnocosttoyou:

FormoreinformationontheWellPowerprogram,visitgo.hw4me.com. Wellness Program

— KnovaSolutions: Thisservicewillassistyouinachievingandmaintainingoptimumhealth.KnovaSolutionsisagreatbenefitforeligibleCentraemployeesanddependentsenrolledinCentra’smedicalplans.Theirknowledgeablestaffprovideindividualized,comprehensiveassessmentofhealthconditions,medications,family/socialsupport,andworkcircumstances.Thisserviceisofferedtohelpyoumakethebestchoicesforyouandyourfamily.ParticipantsareidentifiedandinvitedbasedondatacollectedfromPiedmontCommunityHealthPlan(PCHP)andanalyzedforriskbyKnovaSolutions.Ifyouhavequestionsaboutenrollinginthisbenefit,[email protected].

— Incentive Program:Ourprogramisstructuredtorewardyouformakingtherightchoicesthatenableyoutogetthemostoutoflifeathomeandatwork.Earnincentivesbysimplymakingbetterchoicesandtrackingthemthroughthewellnessportal.

— Flu Shots and Vaccines:ReceiveyourannualflushotandrequiredvaccinesthroughEmployeeHealthatnocosttoyou.

— Employee Assistance Program (EAP):Havingsupportthroughtheupsanddownsoflifeiscrucial.CentraautomaticallyprovidesyouandyourfamilywithanEAPatnocosttoyou.CalltheEAPat434-200-6000anytimeofthedayornightforconfidentialassistancewithissues,suchassubstanceabuse,legalproblems,grief,stressrelatedtomedicalproblems,financialstrain,ortheworkplace.

— Preventive Check-ups and Screenings*:Eachyear,Centramedicalplanparticipantsareallowedonewellnessvisitandhealthscreeningatnocost.

— Waived Copay for Disease Management*:Ifyouarediagnosedwithhighbloodpressure,highcholesterol,ordiabetes,visityourPrimaryCarePhysicianwithoutpayingacopay.

— Navigation Services through PCHP*: Qualifiedparticipantscanreceiveconfidentialandpersonalizedhealthcounselingatnocost.

— Work-life Services:Real-timesupportforreallifeisofferedtoclients,whichincludesuniqueandcomprehensiveservicestohelpbalancework/lifeobligations.Thegoalistoliveahappier,healthier,moreproductivelife!

*Services for Centra Medical Plan Participants only.

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DISCOUNTSAsaCentraemployee,youcantakeadvantageofthefollowingdiscounts:

— Weight Watchers:Enjoya50%subsidyonWeightWatchersmeetingsorOnlinePlustohelpyouimproveyouroverallhealthandreachyourweightlossgoals.

— N.E.W. Healthy Lifestyles Discount: Receivea50%discountoffthiseight-weekcourse,basedonvolumetricseating,whichcoversnutrition,exercise,andweightmanagement.

— YMCA: SignupataparticipatingYMCAandget25%offthemonthlymembership.Viewyourwellnessportalforacompletelistoflocations.

— Women & Children’s Services Education Discount:AttendclassesatCentra,suchasBabyBasics,BreastFeeding,InfantSafety,andFamilyNutrition.Call434-200-4537foronelowbundledfee.

— BounceBack: Relievelowerbackpainthroughthisprogram.Call434-200-2102fordetails.

— Central Virginia YMCA Diabetes Prevention Program:Completetheyear-longprogramatadiscountedratethatwillhelpreduceyourriskfortype2diabetes.Call434-582-1900.

— Tobacco Cessation Education: Centra’sPulmonaryRehabilitationProgramoffersfreeBeTobaccoFreeclassesandone-on-onecounselingfromaCertifiedTobaccoTreatmentSpecialist.Forinformation,call434-200-3812.

— Tobacco Cessation Program: Joinour8-weektobaccocessationprogramfreeofcharge!FormoreinformationcalltheHealthWorksteamat434-200-2345

— Tobacco Replacement Therapy*:PrescriptionandOTCsmokingcessationproducts(e.g.,nicotineproducts,buproprion[genericonly],Chantix)arecoveredforadultsat$0copay.Quantitylimitof2cyclesperyearappliestoeachactiveingredient.

*Services for Centra Medical Plan Participants only.

GET FIT!InadditiontotheYMCAmembership,Centraalsoencouragesyoutotakeadvantageofthefollowing:

— Bowen Wellness Center at Lynchburg General Hospital:Takeafitnessclass,usethetreadmillorellipticalmachine,andreceivepersonaltrainingattheBowenWellnessCenter.Call434-200-7097forinformation.

— Fitness Challenges & Race Subsidies:BeapartoftheSpringandFallfitnesschallengesduringtheyear.CentraalsosubsidizesparticipationinracessuchastheVA10-Miler,IAmWoman5k,andotherlocalevents.

— Healthy Steps:WorkwithnursesandexercisephysiologistsfromCentra’sownStroobantsCardiovascularCentertocreateaspecializedexercisetherapycareplantomeetyourneedsandgoals.Centraemployeesreceiveadiscountedprice.

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FLEXIBLE SPENDING ACCOUNTS (FSAs)Centraofferstworegularspendingaccountchoicesasasmartandconvenientwaytostretchyourbenefitdollarsandreceiverealtaxsavings:

— The Health Care Account:Youcancontributeupto$2,700peryearonapre-taxbasistopayforeligibleout-of-pocketmedical,dental,andvisionexpenses.(HDHPAdvantageparticipantsarenoteligibleforthisaccount.)

— The Dependent Day Care Account:Youcancontributeupto$5,000perhouseholdperyear($2,500ifmarried,filingseparately)onapre-taxbasistocoveryourcostofchildcareforchildrenuptoage13.

FSA Enrollment

EachyearthatyouwouldliketoparticipateintheFSA,youmustelecttheamountyouwanttocontributetotheFSA.Evenifyouparticipatedthepreviousyear,yourelectiondoesnotcarryover;youmustactivelyenrolltocontributetotheFSA.

— Remember,youcannotstoporchangeyourcontributionamountduringtheyearunlessyouexperienceaqualifiedlifechangeevent.

— Youcannottransferfundsfromoneaccounttoanother.

Health Equity Debit Card

WhenyouenrollintheHealthCareAccount,HealthEquitysendsyouaMasterCarddebitcardtobestrictlyusedonlyforeligibleFSAexpenses.Thedebitcardisacceptedatdoctors’officesandqualifiedmerchants(suchaspharmacies)topayforeligibleexpenses.WhenyouuseyourHealthEquitydebitcardtopayforqualifiedpurchases,themoneyisinstantlydeductedfromyourHealthCareAccount(cannotbeusedfordependentdaycareaccount).

Reimbursement

Ifyoupaidforqualifiedexpensesout-of-pocketandwanttoreceivereimbursementfromyourFSA,youmaysubmitapaperclaimformorsubmitanonlineclaimforeligibleout-of-pocketdependentcareandhealthcareexpenses.Pleasesaveyourreceipts!TocomplywithIRSregulations,HealthEquitymonitorstheexpensespaidfromyourFSAbyverifyingyourreceipts.WhenyoureceivearequestfromHealthEquity,sendcopiesofyourreceiptsimmediately.

Tax Savings Accounts

How FSAs Work

Expensessuchasdeductiblesandcopayscanquicklyaddup,anddependentcarecostscanbeevenmoreexpensive.FSAsletyoupaytheseexpenseswithpre-taxdollars,soyousavemoney.Yourcontributionswillbedeductedfromyourpaychecksinequalinstallmentsthroughouttheyearanddepositedintoyouraccount(s).

— KeepinmindthattheIRShasa“useitorloseit”rule.Ifyoudonotusethefullamountinyourspendingaccountsbytheendofthecalendaryear,youwillloseanyremainingfunds.— YoumustincurexpensesbyMarch15th

ofthefollowingcalendaryear.— YoumustsubmitallclaimsbyApril30th

ofthefollowingyeartobereimbursed.— Whenestimatingyourhealthcareand

dependentcarecosts,itisbettertobeconservativeandunderestimateratherthanoverestimateyourexpenses.VisittheSavingsCalculatoratwww.HealthEquity.comtoestimateyourannualspendableincome.

Eligible Expenses

Belowareexamplesofeligibleexpenses.Foracomprehensivelist,visitwww.irs.gov.

FSA Type Eligible Expenses

Health Care Account

— Medical,dental,andvisiondeductibles,copays,andotherout-of-pocketcosts

— Visioncareincludingprescriptionglasses,contactlenses,andsolution

— Hearingcare

Dependent Day Care Account

— Daycarecenter,daytimesummercamp,nurseryschool,orafterschoolcare

— Adultdaycareoradultsitter

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LIMITED-PURPOSE FSA (LPFSA)CentraalsooffersanotherspendingaccountforthosewhochoosecoverageundertheHighDeductibleHealthPlan(HDHP)AdvantagewithaHealthSavingsAccount(HSA).

TheLimited-Purpose(LPFSA)Account:Youcancontributeupto$2,700peryearonapre-taxbasistopayforout-of-pocketdentalandvisionexpenses.

Alimited-purposeFSA(LPFSA)isrestrictedtopayingforonlydentalandvisionexpenses.IfyouhaveaHealthSavingsAccount(HSA),youcannothavearegularhealthcarespendingaccount(FSA)butyoucanhaveaLPFSA.LPFSAoperatesthesamewayasregularFSAsforenrollment,debitcards,reimbursements,etc.

ItmaybeadvantageoustocontributetoaLPFSAifyouchoosetocontributetheentireallowableyearlymaximumtoyourHSA.YourHSAfundswillbeinvestedandyouraccountwillincreasewhileyouusetheLPFSAtopayfordentalandvisionexpenses.

HEALTH SAVINGS ACCOUNT (HSA)IfyouenrollintheHDHPAdvantagemedicalplan,youcancontributetoahealthsavingsaccount(HSA).AnHSAprovidesatripletaxadvantage:

1. Contributepre-taxfunds.2. Usetax-freedollarstopayforqualifiedmedicalexpenses.3. Investunusedfundstogrowtax-free.

FundscontributedtotheHSArolloverfromyeartoyear,soyouneverloseanymoneyyoucontribute.TherearenopenaltiesforwithdrawinginvestedHSAdollarstopayforqualifiedmedicalexpenses.

CentrahaspartneredwithHealthEquitytocreateHealthSavingsAccountsforallHDHPAdvantageparticipants.Youcancontributetoyouraccountperrequirementslistedbelow.Centrawillmakeanemployercontributiontoyouraccountevenifyoudon’tcontribute.

HSA Eligibility Requirements

YouareeligibletoopenanHSAifyoumeettherequirementsdefinedbytheIRSbelow:

— YouarecoveredbyanHSA-eligibleHighDeductibleHealthPlan(HDHP)andhavenootherhealthcoverage(unlessitisaHDHP).

— YouoryourcoveredspousedonotparticipateinaHealthCareSpendingAccountotherthanaLPFSA.

— YouarenotenrolledinMedicareorTRICAREforLife.

— Youarenotclaimedasadependentonsomeoneelse’staxreturn.

HDHP TierEmployee HSA Annual

Contribution (Optional)Employer HSA Annual

Contribution*

Maximum Total Annual Contribution Limit

for 2021**

EEOnly $0-$2,850 $750 $3,600

EE+1Child $0-$6,200 $1,000 $7,200

EE+Children $0-$6,200 $1,000 $7,200

EE+Spouse $0-$6,200 $1,000 $7,200

EE+Family $0-$6,200 $1,000 $7,200

*Employer contributions are pro-rated and deposited over the course of the year each pay period.**NOTE: Employees age 55 and over can contribute an additional $1,000

Things to Consider

TheHSAhelpsyousaveformedicalexpensesnow—andthefuture.

— IfyouelecttoenrollinanHSA,yourcontributionsandinvestmentearningsarenottaxable.

— Youcanincreaseyoursavingsthroughseveralinvestmentoptions.

— Anyfundsyoudon’tusewillcontinuetoaccumulate,andyoucantakethemoneywithyouifyoudecidetoleaveCentra.

SeetheIRSbookletpostedonCentraPeople->EmployeeMatters->Benefitsformoredetails.

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Accidentshappenwhenyouleastexpectit.WithAccidentInsurancethroughUnum,youcanstayaheadoftheout-of-pocketexpensesthatmayoccurduetoanon-workrelatedinjury.AccidentInsuranceprovidesalumpsumpaymentbasedontheaccidentorinjuriessustained,soyoucanbepreparedfinancially.Thebenefitispaiddirectlytoyou,andyoudecidethebestwaytospendit.It’sthatsimple.Whetherit’stopaymedicalexpenses,themortgage,carpayments,orevenutilitybills,youdecide.

OtheradvantagesofAccidentInsuranceincludethefollowing:— You’llreceivecashbenefitsforexpensesthatmaynotbecoveredunderyourmedicalinsurance.— Therearenohealthquestionstoanswer.— Youcaninsureyourspouseandchildren.— Thereisnolimittotheamountofaccidentsyoucanclaimunderthepolicy(withexceptiontopolicy

rules).

Toseethebenefitforeachtypeofinjury,gotoCentraPeople->EmployeeMatters->Benefits.

Accident Insurance

Critical IllnessIfyou’rediagnosedwithanillnessthatiscoveredbythisinsurance,suchasheartattack,stroke,andcancer,youcanreceiveabenefitpaymentinonelumpsum.Youcanusethemoneyhoweveryouchoosetocoverout-of-pocketexpenseslikecopaysanddeductibles.Youcanusethecoveragemorethanonceifyouhaveadifferentconditionlater,andyoucancoveryourspouseandchildren.Formoredetails,visitCentraPeople->EmployeeMatters->Benefits.

Hospital Indemnity

HospitalIndemnityInsurancecanpaybenefitsthathelpyouwiththecostsofacoveredhospitalvisit.Ithelpscoveredemployeesandtheirfamiliescopewiththefinancialimpactsofahospitalization.Youcanreceivebenefitswhenyou’readmittedtothehospitalforacoveredaccident,illness,orchildbirth.Themoneyispaiddirectlytoyou–nottoahospitalorcareprovider.Themoneycanalsohelpyoupaytheout-of-pocketexpensesyourmedicalplanmaynotcover,suchascoinsurance,copays,anddeductibles.

What’sincluded?— $1,500foreachcoveredhospitaladmission-onceperyear— $100foreachdayofyourcoveredhospitalstay,upto60days-onceperyear— $200foreachdayyouspendinintensivecare,upto15days-onceperyear

Itisaffordableandthecostisconvenientlydeductedfromyourpaycheck.Youcaneventakethecoveragewithyouifyouleavethecompanyorretire,withouthavingtoanswernewhealthquestions.Youwillbebilleddirectly.Formoredetails,visitCentraPeople->EmployeeMatters->Benefits.

MetLegalCentraisproudtoofferMetLifeLegalPlansin2021asaThirdPartyBenefit.MetLifecoversthecostofattorneyfeesforthemostfrequentlyneededpersonallegalmatters.Employeeswhoelecttheplanhaveaccesstoanattorney,asifonretainer,whocanprovidelegalassistancewithnowaitingperiods,nodeductibles,andnoclaimforms.Thesein-networkattorneyscanrepresentemployeesforawiderangeoflegalservices,suchasbuyingorsellingahome,startingafamily,dealingwithidentitytheft,caringforagingparents,andmore.Tolearnmore,visitinfo.legalplans.comandenteraccesscode9903637,orcall1-800-821-6400,MondaythroughFriday,8a.m.–8p.m.EST.

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Dental Benefits Dental Plan

Deductible (per calendar year)

Individual $50

Family $150

CalendarYearMaximum(perperson) $1,000

Covered Services

Preventive&Diagnostic(Routineexams,cleanings,andX-rays) 100%covered,nodeductible

BasicServices 80%afterdeductible

MajorServices 50%afterdeductible

OrthodontiaforDependentChildren 50%afterdeductible,uptoa$1,500lifetimemaximum

RolloverBenefit* Upto$250

*The Rollover Benefit allows you to carry over a portion of your unused benefit to the following year. To qualify, you must have filed under $500 in claims during the benefit year. This benefit can be used in future years as well.

Dental Coverage

Yourteethandgumsdeservetheverybestcare.That’swhyCentraoffersdentalcoveragethroughAnthemBlueCrossBlueShield.Thedentalplanoffersservicestokeepyourteethhealthyandfixanyproblemsassoonastheyoccur.Chooseanin-networkdentisttotakeadvantageoflowerout-of-pocketcosts.

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Thevisionplanincludesbenefitsforeyeexams,eyeglasses,andcontactlensesthroughEyeMed.YoumayvisitadoctorwithintheEyeMednetworkandtakeadvantageofhigherbenefitscoverage,orvisitanout-of-networkproviderofyourchoiceforareducedbenefit.Keepinmind,whenyouvisitanout-of-networkprovider,youwillpaymoreforservices.

Vision Service Level of Coverage

BenefitFrequency

Exam:OnceperplanyearLenses:OnceperplanyearFrames:OnceperplanyearContactLenses:Onceperplanyear

Plan Features In-Network Out-of-Network Benefit

Exam $10copay Planpaysupto$50

PrescriptionGlasses

Frames Planpaysupto$150 Planpaysupto$90

Lenses $25copay

SingleVision:Planpaysupto$35Bifocal:Planpaysupto$50Trifocal:Planpaysupto$65Progressive:Planpaysupto$70

Contacts(MedicallyNecessary) $0copay:paidinfull Planpaysupto$210

ExtraSavingsYourplanalsofeaturessavingsforsunglasses,KidsEyesbenefit,discountsoffreplacementglasses,hearingaids,anddiabeticeyecare.

* For more information regarding diabetic eye exams, please visit Centra People > Employee Matters > Benefits

Vision Coverage

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Medical Surcharges

— Spouses who are eligible for medical coverage through another employer can be covered under a Centra medical plan, for an additional $50.00 per bi-weekly pay period.

— Tobacco users will pay $24.92 more per bi-weekly pay period for medical coverage.

— Centraiscommittedtohelpingyouachieveyourbesthealthstatus.Ifyouthinkyoumightbeunabletomeetastandardforadiscount,youmightqualifyforanopportunitytoearnthesamediscountbydifferentmeans.Contactusat434-200-7993,andwewillworkwithyoutofindawellnessprogramwiththesamediscountthatisrightforyou.

Dental

FULL-TIME

Coverage Level Dental Plan

EmployeeOnly $3.47

Employee+Spouse $11.00

Employee+Child $10.47

Employee+Children $10.47

Employee+Family $12.47

PART-TIME

Coverage Level Dental Plan

EmployeeOnly $6.91





Medical

Basic Care Plan - PPO

FULL-TIME EMPLOYEE PREMIUMS

EmployeeEmployee

+ ChildEmployee + Children

Employee + Spouse

Employee + Family

Level1 $40.08 $93.56 $122.64 $136.92 $203.84

Level2 $42.18 $98.35 $128.93 $143.94 $214.30

Level3 $44.29 $103.15 $135.21 $150.96 $224.75

Level4 $48.51 $112.75 $147.79 $165.00 $245.66

Level5 $63.28 $143.93 $188.67 $210.64 $313.60

PART-TIME EMPLOYEE PREMIUMS

Level1 $52.10 $121.62 $159.43 $177.99 $265.00

Level2 $54.84 $127.86 $167.60 $187.12 $278.58

Level3 $57.58 $134.10 $175.78 $196.25 $292.17

Level4 $63.07 $146.57 $192.13 $214.50 $319.35

Level5 $82.26 $187.11 $245.27 $273.83 $407.69

HDHP Advantage

FULL-TIME EMPLOYEE PREMIUMS

EmployeeEmployee

+ ChildEmployee + Children

Employee + Spouse

Employee + Family

Level1 $32.02 $66.89 $86.52 $95.21 $145.86

Level2 $33.85 $70.60 $91.33 $100.50 $153.96

Level3 $35.68 $74.32 $96.13 $105.78 $162.07

Level4 $39.34 $81.75 $105.75 $116.36 $178.27

Level5 $51.23 $104.05 $134.59 $148.10 $226.89

PART-TIME EMPLOYEE PREMIUMS

Level1 $41.63 $86.96 $112.48 $123.77 $189.62

Level2 $44.01 $91.79 $118.73 $130.64 $200.15

Level3 $46.39 $96.62 $124.97 $137.52 $210.69

Level4 $51.14 $106.28 $137.47 $151.27 $231.76

Level5 $66.60 $135.26 $174.96 $192.53 $294.96

2021 Health Insurance Bi-Weekly Rates

Enrollment by SalaryLevel1-<$35KLevel2-$35K-$60KLevel3-$60K-$100KLevel4->$100KLevel5–PhysiciansandExecs

Vision

FULL-TIME

Coverage Level Vision Plan

EmployeeOnly $3.09





PART-TIME

Coverage Level Vision Plan

EmployeeOnly $3.09





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Centrarecognizestheimportanceofyourfinancialwell-beingintheeventofadisability.Mostofusinsureourhomes,automobiles,andotherassets,yetweoftenoverlookourmostvaluableasset–ourabilitytoearnanincome!Yourregularmonthlyobligationssuchasyourmortgageorrent,utilitybills,food,andothernecessities,continueevenifyouareunabletowork.Centraoffersshort-termandlong-termdisabilityoptionstofull-timeemployees.

VOLUNTARY SHORT-TERM DISABILITY (STD)Afteryouhavemetyourelectedwaitingperiod,theSTDplanprotectsyourincomeifashort-terminjuryorillnesspreventsyoufromworking.YourExtendedIllnessBank(EIB)canhelpcoverthedaysofyourwaitingperiod.YouhavetwoSTDoptionstoconsider,asshownbelow.

*Disabilityperiodforpregnancyisdeterminedupondelivery.Normaldeliveryisconsidered6-weeksofdisabilitycoverageandc-sectionisconsidered8-weeksofdisabilitycoverage.

LONG-TERM DISABILITY (LTD)Long-termdisabilitycoveragetakesoverafter90daysofdisability.ToqualifyforLTD,youmustbeunabletoperformtheregulardutiesofyourjob.YouhavetwoLTDoptionstoconsider,asshownbelow.

Disability Insurance

Waiting Period

Coverage Duration

Benefit Amount Cost

Short-Term Disability

VS14 14daysFrom14daysto11weeks

60%ofbasesalary(upto$1,500perweek)

$.645per$10ofweeklybenefit

VS30 30daysFrom30days

to9weeks60%ofbasesalary

(upto$1,500perweek)$.438per$10ofweekly

benefit

Long-Term Disability

1 90daysUptonormal

retirementage

60%ofbasesalary(upto$10,000per

month)100%Company-Paid

2 90daysUptonormal

retirementage

662/3%ofbasepay(upto$10,000per

month)

Youpaytheadditionalcost

Pre-Existing Condition Exclusion

Thepolicieswillnotcoverillnessorinjuriesforwhichyoureceivedtreatmentwithin3monthspriortoyourcoverageeffectivedateifyoufileaclaimforthatillnessorinjuryinthefirst6monthsafteryourcoverageeffectivedate.

Disability Income Protection

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BASIC LIFE AND AD&D INSURANCEProvidingeconomicsecurityforyourfamilyisamajorconsiderationinpersonalfinancialplanning.Intheeventofdeath,disability,orseriousinjuryorillness,youwillwanttobeprepared.CentraprovidesyouwithBasicEmployeeLifeandAccidentalDeathandDismemberment(AD&D)InsurancecoveragethroughUnumatnocosttoyou.YouautomaticallyreceiveLifeandAD&Dcoverageintheamountof1xyourbaseannualpay(atthetimeofyourdeath).

— Iftheamountisover$50,000,thebenefitistaxableandwillbereportedas“imputedincome”onyourpaycheck.

VOLUNTARY LIFE INSURANCEYoualsohavetheopportunitytopurchaseadditionallifeinsuranceforyourself,yourspouse,andyourchildrenatgrouprates.ThechartbelowdescribestheamountsofadditionalVoluntaryLifeInsuranceyoumaypurchase.

Voluntary Life Insurance

Employee Spouse Children

Amount Covered 1to4xbaseannualpay$5,000,$10,000,$15,000,

$20,000,or$50,000$2,500,$5,000,

$7,500,or$10,000

Age Reductions35%reductionatage6550%reductionatage70

Coverageisreducedto50%oftheoriginalamountwhentheSpouseattainsage70.

Coverageavailablefrombirthuntilage19,orage26,

ifafull-timestudent.

VOLUNTARY AD&D INSURANCECentraalsooffersyouachancetochooseVoluntaryAD&DInsuranceupto10xyourbaseannualearningstoamaximumof$500,000.Thechartbelowdescribestheadditionalcoverageyoucanpurchaseforyourfamily.

Coverage Option Benefit

Spouse Only 50%ofemployeebenefit

Spouse & ChildrenSpouse–40%ofemployeebenefit

EachChild–5%ofemployeebenefit

Children Only EachChild–10%ofemployeebenefit

Life and AD&D Insurance

WHOLE LIFE INSURANCEForadditionalfinancialprotection,youmaypurchaseWholeLifeInsurancethroughUnumforyourselfand/oryourchildrenorgrandchildren.WholeLifeInsuranceprovidesflexiblebenefits,andallowsyoutoadjustyourdeathbenefit,cashvalue,andpremiumsasyourfinancialneedschange.Youcanalsousethispolicy’sLivingBenefitsduringyourlifetime.

Applyingforcoverageissimple,andunderwritingiseasy.Individualpoliciesareavailabletoemployeesoverage18andforchildrenunder26yearsold.WholeLifeInsurancepremiumscanbepaidthroughpayrolldeductions.Keepinmindthatyoucantakethiscoveragewithyouifyouchangejobsorretire.

FormoreinformationabouttheWholeLifeInsuranceplan,visitwww.unum.com.

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Save for the Future with Matching Tax Deferred Savings Plans

Savingforthefutureisatoppriorityinsmartfinancialplanning.That’swhyCentrasponsorsMatchingTaxDeferredSavingsPlansforemployees:a401(k)planforPCHPemployeesanda403(b)forallotherCentraemployees.Employee Contributions

After30daysofemployment,eligibleemployeesareautomaticallyenrolledinthe403(b)planatacontributionrateof3%ofyourpay.ThereisnoautoenrollmentprovisioninthePCHP401(k)plan.EligibleemployeesshouldcallTransamericaorgotowww.trsretire.comtoenroll.

ParticipantsmaycontributeuptotheannualIRSlimitinpre-taxearningsunderbothplans,andthoseage50orolderareeligibletomakeanadditionalcatch-upcontributionuptotheIRSlimits.Youcanincrease,decrease,orstopyourcontributionsatanytimetoeitherplanbycontactingTransamerica.RemembertologontoOracleEmployeeSelfServicetodesignateoneormorebeneficiaries.

Centra Contributions

Underbothplansandaftersixmonthsofemployment,Centrawillbeginmakingamatchingcontributionof100%ofthefirst3%ofpayyoucontribute.Youareimmediatelyvestedinthosecontributions.Dependingontheperformanceoftheorganization,Centramayalsomakeanannualdiscretionarycontributionofupto4%ofyourbasepayonyourbehalf.Employeeseligibleforthisbasecontributionbecomefullyvestedafterthreeyearsofemployment.

OTHER TAX DEFERRED SAVINGS PLANS

457b Deferred Compensation Plan

Aselectgroupofmanagementandhighlycompensatedemployeesareeligibleforthisnonqualifiedsavingsplan.Centradoesnotmakeemployercontributionstotheplan.RefertotheSummaryPlanDescription(SPD)postedonCentraPeople->EmployeeMatters->Benefitsforcompletedetails,andvisitwww.trsretire.comforanyquestions.

Manageyourinvestmentsatwww.trsretire.com.Ifautomaticallyenrolled,yourcontributionsareinvestedinTRowePriceTargetDateFunds,butyoucanchangeinvestmentsatanytime.PortfolioXpressisalsoofferedasaninvestmentservicetoadjustyourinvestmentsasyougetclosertoyourretirementdate.

Retirement

23

Centraoffersemployeesworkingatleast24hoursperweekachancetopurchaseLongTermCareInsurance.Ifyouenrolloutsideoftheinitialperiod,youwillberequiredtoprovideproofofgoodhealthtogetcoverage.EnrolldirectlythroughUnumbycalling800-227-4165orlogonto:www.unuminfo.com/centrahealth/enrollment.aspx.

Plans Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6

BenefitDuration 3Years 5Years 3Years 5Years 3Years 3Years

FacilityBenefitAmount

$3,000 $3,000 $6,000 $6,000 $3,000 $6,000

AssistedLivingFacility%

100% 100% 100% 100% 100% 100%

LifetimeMaximum $108,000 $180,000 $216,000 $360,000 $108,000 $216,000

ProfessionalHomeandCommunityCare

100% 100% 100% 100% 100% 100%

InflationProtection N/A N/A N/A N/A Compound Compound

*If you selected an inflation option and you terminate that inflation option at a future date, you can purchase the inflated coverage amount at your original age.

Long Term Care

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Centraoffersavarietyofpaidprogramstoencourageyoutorestandrelaxawayfromyourjob.Youcanusethetimeaccruedafterthreemonthsofemploymentforvacation,holidays,illness,orpersonaltime.ThemaximumamountofPTOthatmaybeaccruedthroughouttheyearis300hours.AccrualratesforthemajorityofCentraemployeesarebasedonyearsofserviceperthefollowingschedule:

Years of Service Accrual RateHours Accrued

per 80 Hours Paid

PTO days per Year Based on 80 Hours

Paid Bi-Weekly

0-5 0.0923 7.3846 24

5-10 0.1115 8.9231 29

10-15 0.1231 9.8462 32

15-20 0.1308 10.4615 34

20-25 0.1346 10.7692 35

25+ 0.1385 11.0769 36

See the Paid Time Benefits Policy in the online Centra policy manual for more information.

Youcandonatehourstoco-workerswhoaregoingthroughacrisis,totheUnitedWay,ortotheCentraFoundation.RefertotheEarnedTime/PaidTimeOffDonationPolicyintheCentrapolicymanualfortheprocedure.

Paid Time Off

Centra Recognized Holidays

PTOmustbesubmittedtobepaidforanyofthefollowingholidaysonwhichanemployeedoesnotwork:

— NewYear’sDay— Easter— MemorialDay— IndependenceDay(July4th)— LaborDay— ThanksgivingDay— ChristmasDay

Extended Illness Bank (EIB)

Centraoffersavoluntaryprogramofpaidleavetimeforextendedillnesses.Employeescanconvertupto40hoursina12-monthperiodtotheaccount.Centrawillprovideanadditionalmatchday-for-day.EIBtimemayonlybeusedforanemployee’sownillnessafteranemployeeisabsent6ormoredays(maximumof40hours)ofregularscheduledwork.The5-daywaitbeforeEIBtimecanbeusediswaivediftheemployeeishospitalizedorhassurgery(in-patientorout-patient)andwillbeabsent6ormoredays.YoucanfindtheconversionformontheHRHomepageunderBenefits->EmployeeAdvantages.

25

Benefit Provider Telephone Web Site

Medical PiedmontCommunity

HealthPlanGroup#5200701

434-947-4463option1ordialextension504

www.pchp.net

Prescription Drugs

CVS/CaremarkRxBIN:004336;

RxPCN:ADV;RxGRP:RX6925

844-460-8768 www.caremark.com/wps/portal

Spending Accounts HealthEquity 866-346-5800 www.healthequity.com

Accident Insurance Unum 800-635-5597 www.unum.com

Critical Illness Unum 800-635-5597 www.unum.com

Hospital Indemnity Unum 800-635-5597 www.unum.com

DentalAnthemBlueCross

andBlueShieldGroup#DD7048

866-956-8607 www.anthem.com/mydentalvision

VisionEyeMed

Group#1008295866-800-5457 www.eyemed.com

Life/AD&D Insurance Unum 888-556-3727 www.unum.com

Whole Life Insurance Unum 800-635-5597 www.unum.com

Voluntary Short Term Disability

Unum 888-673-9940 www.unum.com

Long-Term Disability Unum 888-673-9940 www.unum.com

Long Term Care Unum 800-227-4165www.unuminfo.com/centrahealth/

enrollment.aspx

403(b) Savings Plan & 401(k) Savings Plan

Transamerica 800-755-5801 www.trsretire.com

Questions? Ask the Experts

26

Discrimination is Against the Law

TheCentraMedicalBenefitsPlancomplieswithapplicableFederalcivilrightslawsanddoesnotdiscriminateonthebasisofrace,color,nationalorigin,age,disability,orsex.TheCentraMedicalBenefitsPlandoesnotexcludepeopleortreatthemdifferentlybecauseofrace,color,nationalorigin,age,disability,orsex.

The Centra Medical Benefits Plan

— Providesfreeaidsandservicestopeoplewithdisabilitiestocommunicateeffectivelywithus,suchas:— Qualified sign language interpreters— Written information in other formats (large print, audio, accessible electronic formats, other

formats)— ProvidesfreelanguageservicestopeoplewhoseprimarylanguageisnotEnglish,suchas:

— Qualified interpreters— Information written in other languages

If You Need These Services, Contact Aubrey Varraux.

IfyoubelievethattheCentraMedicalBenefitsPlanhasfailedtoprovidetheseservicesordiscriminatedinanotherwayonthebasisofrace,color,nationalorigin,age,disability,orsex,youcanfileagrievancewith:AubreyVarraux,TotalRewardsManager,1920AtherholtRoad,Lynchburg,VA24501;phone434-200-7993,fax434-200-7410,emailaubrey.varraux@centrahealth.com.Youcanfileagrievanceinpersonorbymail,fax,oremail.Ifyouneedhelpfilingagrievance,BrendaJohnsonisavailabletohelpyou.YoucanalsofileacivilrightscomplaintwiththeU.S.DepartmentofHealthandHumanServices,OfficeforCivilRightselectronicallythroughtheOfficeforCivilRightsComplaintPortal,availableathttps://ocrportal.hhs.gov/ocr/portal/lobby.jsf,orbymailorphoneat:U.S.DepartmentofHealthandHumanServices,200IndependenceAvenueSW.,Room509F,HHHBuilding,Washington,DC20201,800-868-1019,800-537-7697(TDD).

Complaintformsareavailableat:http://www.hhs.gov/ocr/office/file/index.html

Centra Medical Benefits Plan Non-Discrimination Notice

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