Celebra ng 65 Years. Benefits You Can Count on for You and Your Family

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1 2016 Benefits At A Glance Celebra ng 65 Years Benefits You Can Count on for You and Your Family A Healthy Future means having the right coverage when you need it; giving you peace of mind as you face life events that can impact your family and your financial security. Pra Regional Medical Center works to provide our employees with meaningful benefit op ons. Being Simply the Best includes all facets of our organiza on including our benefit programs. In 2016 there will be a few changes and improvements in your employee benefit plan op ons. The most notable change is a new third party administrator (TPA), for our employee health plan as we partner with Benefits Management Inc., (BMI). With BMI as our TPA for health and flexible spending accounts employees will come to appreciate their a en on to their personal needs. Another new partner in our benefit line up is Aetna. Aetna will be the life insurance underwriter beginning For many there really is no visible change of your PRMC paid life insurance plan. Employees may also purchase addi onal coverage at very reasonable rates which also includes family coverage. Aetna also will offer some products such as Short Term Disability which might be of interest to employees so please take a look at their program offerings by stopping by the Aetna table during the 2016 Benefit Fair. Trustmark will con nue to provide coverage for Universal Life with Long Term Care Rider, Cri cal Illness, and Accident Protec on. As we did last year, we are happy to con nue with our enrollment partner, Star Robbins & Company. Star Robbins benefit educators will be on site the first week of December to provide guidance and support during our enrollment. Midwest Benefit Resources staff will assist each employee with enrollment to make sure the benefit programs offered meet your needs. Brenda Johnston of MBR has earned the reputa on of being a great employee advocate and making sure your enrollment is exactly what you and your family desire. This year, we have con nued the voluntary op ons to include: air ambulance transport coverage, Long Term Disability, and Legal Shield. As you will see, some of our new plans come with enhanced coverage and some with the same or similar protec on, but at an affordable cost to you. We are happy to adopt a new benefit level for PRMC insured employees and families who take advantage of services provided at PRMC. This Core benefit offers a fi y percent (50%) reduc on in the deduc ble on both the single and family plans. You will want to review this plan change on page 6 of this booklet. Our benefit offerings are designed to be flexible and affordable for your family s needs. 1

2 Pratt Regional Medical Center Mission & Vision Statements Mission: Pratt Regional Medical Center provides excellent and compassionate healthcare services. Vision: Pratt Regional Medical Center will be essential to the health, wellness and quality of life in our region. Valuable Information at your fingertips... In this Benefits at a Glance you will find an overview of each plan available during your enrollment. This is not intended to give you complete knowledge of each policy, but to give you some informa on that might help you decide which op ons may be of interest to you. There are different levels of coverage available and op ons to cover yourself, your spouse, and/or your eligible dependents. This year we are taking a team approach to the enrollment process using the folks from Star Robbins for the voluntary benefit enrollment and Midwest Benefit Resources (MBR) for health, dental and life insurance products. Our desire is to educate employees on available benefits and enroll our employees in the products that will work best for their personal needs. MBR is available throughout the year to meet with newly hired employees to explain benefits and enroll them in the products of their choice. MBR is located in Pra, making it convenient for employees to stop by their office and meet in a private se ng to go over their benefit needs. Contact MBR by phone at or via e mail: brenda mbr@cox.net for your benefit ques ons. Employees are also invited to stop by the MBR office at their convenience. Midwest Benefit Resources 105 West Second St. Brenda Johnston e mail: Brenda mbr@cox.net 2

3 IMPORTANT ENROLLMENT INFORMATION Based on your schedule, you will be asked to select a specific me to speak with an educator. We strongly encourage you to review this brochure in advance of meeting with your benefit educator to explore the best benefits for you and your family in To schedule your appointment you must log on to Password is: PRMC. Value of Voluntary Benefits Voluntary benefits are available on a payroll deduc on which provides excellent pricing. New employees hired during the 2015 plan year will be offered benefits guaranteed issue. This means, regardless of previously diagnosed health condi ons, employees hired a er January 2015 will be able to par cipate. Pre exis ng condi ons will have a 12/12 provision. Voluntary benefit op ons include Accident Assistance, Cri cal Illness with Cancer Coverage, and a Universal Life with Long Term Care Rider. More details about these new offerings will follow in the pages of this guide. Be sure and review them carefully. Benefit consultants from MBR and SRC will walk through the changes you wish to make in your benefit selec on and enroll you directly into the system. Your benefit educators will be able to make sure you understand your op ons so you may make informed decisions. Trustmark will be the primary benefit carrier offered through payroll deduc on. Electronic Enrollment System PRMC uses an electronic benefit enrollment system. Benefit consultants from MBR and SRC will walk through the changes you wish to make in your benefit selec on and enroll you directly into the system. By introducing this new electronic pla orm, we will be able to deliver an enrollment process that is more efficient for both our benefit carriers and workforce. The new so ware will have online capability for our future enrollments supported by either web browsing sessions or call center support. This year, we also have benefit educators to help walk you through the changes as well as help educate everyone on the benefits available. Enrollment Process Enrollment begins on December 1st (following our benefit fair on November 30th & December 1st), and will run through the week. Please make sure you are aware of the dates our educators are on site and make every effort to a end a session early in the process so we will have ample me for everyone. The enrollment process is scheduled to begin December 1st and you need to schedule your appointment by going to: h ps://prmc.youcanbook.me/ The Password is: PRMC Thanks in advance for your coopera on during this important enrollment session. 3

4 Benefit Advice and Guidance at Work PRMC is happy to once again have the assistance of Star Robbins & Company as the Trustmark benefit educators to help with this year's enrollment process. Educators will work with each employee to provide one on one enrollment educa on and guidance, which will make it easier to be er understand your benefits. Enrollment begins on December 2nd through the 4th a er the benefit fair and will run through the week. We have worked closely with the Star Robbins team to provide individualized benefit understanding we feel may be helpful during this decision making process. Because there are changes in coverage and changes in process, PRMC thought having someone explain the current benefits and what the changes will be would be helpful to all employees. All PRMC employees will need to meet with an educator while they are at our facilities. The team of educators working with PRMC are well trained on our benefits and will be able to assist employees during this important decision making process. The Star Robbins team are salaried benefit educators who will be able to share with employees the value of both EMPLOYER SUBSIDIZED and VOLUNTARY offerings through PRMC. They will help each person select the coverage they need based on their individual circumstance. To schedule your appointment you may log on to Password is PRMC. A personal approach to benefits! The Star Robbins TEAM Mission We bring ongoing, simple instruction to the workplace in order to help make benefits easy to understand so individuals can make good decisions. In major catastrophes, we offer a listening ear and we give guidance about life-changing insurance plans to help protect a secure financial future. Partnerships between people in need and people who care 4

5 Value of Benefit Advice and Guidance at Work Today, many things are changing in the area of employee benefits. Trying to stay up with the mes can o en be a daun ng task. Having a full understanding of one s employer subsidized and voluntary benefit package is more important than ever. Trained benefit educators available to help you understand the difference between the many types of coverage available can be very valuable in helping you protect what ma ers most, your family and your financial security and stability! Our Midwest Benefit Resources team will be able to help you take a look at your overall coverage so you may make informed decisions about what benefits best meet your Why should I consider Voluntary Benefit Options? People o en think about their benefits, especially during enrollment. The first thing that usually comes to mind is Medical Coverage. Your core benefits are the first step in securing a healthy and sound financial future. Voluntary benefits are designed to help cover out of pocket costs associated with medical care. These special plans are designed to pay directly to you in order to help cover regular bills such as mortgages, car payments and even groceries. Careful considera on and research was done to make sure the PRMC voluntary op ons would enhance Employer Subsidized coverage and provide employees a way to gain valuable protec on to wrap around your health coverage. These special policies provide needed financial support during unexpected life events which impact the ability to earn a paycheck. Voluntary benefits are designed to help you stay caught up with everyday bills during medical events so you can Importance of Guaranteed Issue if you were hired in 2015 and Simplified Issue if you were hired previously condi ons can cause coverage to be Plans available on a guaranteed or charged extra premium or be denied simplified issue basis include: altogether. What does guaranteed issue really mean? Have you ever been turned down for coverage or perhaps know someone who could not qualify for the coverage they wanted? Insurance companies go through an underwri ng process to determine who is and who is not eligible for coverage based on your current health. People who have been diagnosed with a serious illness such as cancer, heart a ack, diabetes, or a stroke are o en declined coverage. Even family history, weight issues, blood pressure, sleep apnea, and a host of other If you were hired in 2015, these special PRMC products are being offered to you on a guaranteed issue basis. New Hires can obtain coverage without medical ques ons. A 12/12 does apply. If you are not a new hire, these plans are s ll available on a simplified issue basis with limited medical ques ons. The special plans and costs are a great deal for PRMC employees. focus on ge ng well. Ask yourself a simple ques on, If you or your spouse were unable to earn a paycheck, what impact would it have on your financial security and peace of mind? Universal Life with Long Term Care Accident Assistance Cri cal Illness with Cancer included If you or your family have a history of medical condi ons, don t miss this special opportunity! 5

6 Who is Eligible? You are eligible for all of the benefit op ons offered through the PRMC plan if you are an ac ve, full me employee of PRMC regularly assigned to work at least 60 hours per pay period, or are an ac ve part me employee regularly assigned to work at least 16 hours per pay period. Dependent Eligibility Several of the benefit op ons offer coverage for your eligible dependents, which may include: Your spouse. Refer to the plan documents for No ce of Availability of Coverage For Civil Union Partners for more details on the requirements. Your children. Your children under the age of 26 for medical, dental and vision coverage, regardless of marital, residen al or full me student status. Your unmarried children to age 26 for dependent life insurance. Your unmarried children to age 26 for dependent AD&D insurance. In general, children include your natural children, legally adopted children, children for whom you are the legal guardian, step children, and children who have been placed in your home in an cipa on of adop on. An unmarried Child who is a Dependent and who reaches the Plan s limi ng age for Dependent Children while covered under this Plan will remain eligible for coverage to the extent he is at that me incapable of self sustaining employment and is dependent upon you for support due to a mental or physical illness or disability. He will remain eligible for coverage under this provision to the extent you remain eligible for Dependent coverage and he remains incapable of self sustaining employment and dependent upon you for support due to the disability. No fica on of incapacita on must be provided within thirty one (31) days a er the Child a ains age 26. Proof of incapacita on may be required to determine whether or not the Child qualifies as disabled and may be required on an annual basis. Children does not include grandchildren, however, the new Universal Life may be elected for your grandchildren. Foster children are only eligible for dependent life and AD&D coverage. If both you and your spouse are eligible employees, only one of you may cover a dependent child. In addi on, you may not be enrolled as both an employee and as a dependent at the same me. This enrollment guide gives you a general descrip on of your PRMC benefits. Not all specific details are included. Instead, we have tried to keep this guide short, simple, and easy to understand. If a conflict arises between this summary and the actual plan documents (including insurance contracts), the plan documents will govern. Nothing in this guide may be construed as a contract of employment. This guide cons tutes a Summary of Material Modifica ons to the Summary Plan Descrip ons with respect to any plan changes. Keep this booklet in a safe place for future reference. GRANDFATHERED STATUS DISCLOSURE This Pra Regional Medical Center Employee Healthcare Plan believes this Plan is a grandfathered health plan under the Pa ent Protec on and Affordable Care Act (the Affordable Care Act). As permi ed by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that this Plan may not include certain consumer protec ons of the Affordable Care Act that apply to other plans; an example is the requirement for the provision of preven ve health services without any cost sharing. However, grandfathered health plans must comply with certain other consumer protec ons in the Affordable Care Act; an example is the elimina on of life me limits on essen al benefits. Ques ons regarding which protec ons apply and which protec ons do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator at: Pra Regional Medical Center; 200 Commodore; Pra, KS Phone: (620) You may also contact the Employee Benefits Security Administra on, U.S. Department of Labor at or This website has a table summarizing which protec ons do and do not apply to grandfathered health plans. 6

7 PRMC Group Health Plan Calendar Year Deduc ble (Single / Family) Benefits Premium Standard Basic Core PRMC Network $240 / $720 $360 / $900 $600 / $1,800 In Network $480 / $1,440 $720 / $1,800 $1,200 / $3,600 Out of Network $960 / $2880 $1,200 / $3,600 $1,440 / $3,840 Out of Pocket Maximum* (Single / Family) (including deduc ble, out of pocket maximums do not cross apply) Core PRMC Network $2,400 / $7,200 $3,000 / $9,000 $3,600 / $10,800 In Network (including deduc ble) $2,400 / $7,200 $3,000 / $9,000 $3,600 / $10,800 Out of Network (including deduc ble) Unlimited Unlimited Unlimited Co insurance Percentage Limit Core PRMC Network 80% / 20% 80% / 20% 70% / 30% In Network 80% / 20% 80% / 20% 70% / 30% Out of Network 50% / 50% 50% / 50% 50% / 50% Physician Benefits & Outpa ent Professional Service In Network Office Visits Physician $20 co pay per visit 80% a er deduc ble 70% a er deduc ble Pathologist (Lab tests) $250 max per visit, then Radiologist (x ray, MRI, CT) 80% a er deduc ble 80% a er deduc ble 70% a er deduc ble Surgeon or anesthesiologist fees 80% a er deduc ble Physician Benefits Out of Network 50% a er deduc ble 50% a er deduc ble 50% a er deduc ble Inpa ent Hospital Professional Services In Network 80% a er deduc ble 80% a er deduc ble 70% a er deduc ble Surgeon or anesthesiologist fees, Radiologist, Pathologist Out of Network 50% a er deduc ble 50% a er deduc ble 50% a er deduc ble Surgeon, Anesthesiologist, Radiologist, Pathologist fees Outpa ent Surgical Facility Services Emergency Care In Network 80% a er deduc ble 80% a er deduc ble 70% a er deduc ble Out of Network 50% a er deduc ble 50% a er deduc ble 50% a er deduc ble In Network $20 co pay per visit 80% a er deduc ble 70% a er deduc ble Doctors Office $250 max per visit, then Hospital Emergency and Emergency Room 80% a er deduc ble 80% a er deduc ble 70% a er deduc ble Physician 80% a er deduc ble Outpa ent Facility or other Urgent Care Facility 80% a er deduc ble 80% a er deduc ble 70% a er deduc ble Out of Network 50% a er deduc ble 50% a er deduc ble 50% a er deduc ble Ambulance (when medically necessary) 80% a er deduc ble 80% a er deduc ble 80% a er deduc ble Air Ambulance (when medically necessary) 80% a er deduc ble 80% a er deduc ble 80% a er deduc ble Benefit Consultant Midwest Benefit Resources Brenda-mbr@cox.net Health & Flex Spending Acct. Benefit Management Inc

8 Wellness Benefits (as Defined by ACA) Core PRMC Network (PRMC, PRMC Owned Clinics, and Pra Family Prac ce) In Network Rou ne Physicals 1 per year (excludes school or work physicals) Colon rectal screens, pap smears, prosta c acid phosphate tests, mammogram, prescribed drugs for smoking cessa on (only payable for those employees currently paying the smoke surcharge rate) In Network providers for other than Pra, Kinsley, Stafford or St. John providers Prescription Drug Plan Prescrip on coverage will con nue through MedTrak 100% Deduc ble Waived 100% Deduc ble Waived 100% Deduc ble Waived $20 co pay per visit, $300 per covered person per year not subject to deduc ble Excess subject to deduc ble and co insurance 80% not subject to deduc ble, 70% up to $300 max per covered $300 max per covered person per person, not subject to deduc ble year not subject to deduc ble Excess subject to deduc ble and co insurance 80% a er deduc ble Out of Network 80% a er deduc ble 50% a er deduc ble Rou ne immuniza ons, as recommended by the CDC are covered for all insured (adults/children) which now include: Shingles, Pneumovax, HPV, DPT and Influenza. Hospital/Facility Benefits Inpa ent & intensive care, outpa ent care, convalescent care & one day surgery, emergency room and home health care Maternity 50% a er deduc ble Excess subject to deduc ble In Network 80% a er deduc ble 80% a er deduc ble 70% a er deduc ble Out of Network 50% a er deduc ble 50% a er deduc ble 50% a er deduc ble In Network Physician Services Benefits Premium Standard Basic $150 co pay/pregnancy, then 100% 80% a er deduc ble 70% a er deduc ble Hospital confinement 80% a er deduc ble 80% a er deduc ble 70% a er deduc ble Out of Network 50% a er deduc ble 50% a er deduc ble 50% a er deduc ble Participating Pharmacy: Retail Performance 90 Maximum Day Supply Allowed: Generic Copay: $10 $30 Brand Copay: $50 $150 Specialty Medication Copay: 10% of the cost up to a $1,500 annual individual Out of Pocket Maximum with a maximum 30 day supply allowed per fill MedTrak contracts with over 60,000 pharmacies across the na on to assist you with your prescrip on needs. With our Preferred and Performance 90 Pharmacy Networks, you can obtain acute and maintenance medica ons at any contracted retail pharmacy. To find out if a pharmacy is in our network, please visit our website at or call the MedTrak Help Desk at Our Pharmacy Benefit Advisors are available from 8 a.m. to 9 p.m. Monday through Friday and 9 a.m. to 6 p.m. on Saturday to assist you with any ques ons regarding our pharmacy network, your medica ons, plan coverage and more. MedTrak also provides many online tools to help you understand and manage your prescrip on benefits. Upon registering on our website, you will have access to the following tools: Rx Price Finder Look up costs of current or future medica ons Rx Claims History View and print claims history escriptchoice Search for lower cos ng alterna ves with plan costs and copay amounts Pharmacy Locator Search among 60,000 pharmacies that par cipate in the Medtrak Preferred or Performance 90 Pharmacy Networks Access Important Documents View summary informa on regarding your Plan s prescrip on benefits, claim forms, preferred drug lists, MedTrak shealthwise Member newsle er, temporary ID cards and more. 8

9 Dental & Vision Delta Dental Description Premium Standard Basic Calendar Year Deductible $25 Single $50 Single $50 Single $75 Family $150 Family $150 Family Calendar Year Maximum $1,500 $1,000 $500 Preventive Services Oral exam, bit wing x rays, dental prophylaxis 100% 80% 50% Basic Services 80% a er deduc ble 80% a er deduc ble 50% a er deduc ble Major Services 50% a er deduc ble 50% a er deduc ble No Coverage Orthodontics No coverage No coverage No coverage Vision Service Plan VSP Benefits Exam & Materials Copay Frequency Exam Exam, Lenses & Frames Contacts (in lieu of glasses) Plan Features Exam Lenses Lense Options Frame Elective Contact Lenses Addi onal Pairs of Glasses or Contacts Vision Care Direct of Kansas Benefits Gold Complete $25 Total Copay Every 12 months Every 12 months Covered in full (less copay) Covered in full (less copay) Glass or Plas c, sv or mf All cost controlled Polycarbonate for children covered $125 allowance, 20% discount on overage $125 allowance Not Applicable Gold Materials Only Exam Only Exam Copay $15 Total Copay N/A $15 Total Copay Materials Copay $15 Total Copay $15 Total Copay N/A (Lenses and Frame) Exam Every 12 months N/A Every 12 months Lenses Every 12 months Every 12 months N/A Frames Every 12 months Every 12 months N/A Contacts (in lieu of glasses) Every 12 months Every 12 months N/A Exam Covered in full (less copay) Covered in full (less copay) Covered in full (less copay) Lenses Covered in full (less copay) Covered in full (less copay) N/A Glass or Plas c, CR 39 lens Glass or Plas c, CR 39 lens N/A Lens Op on Single vision, bifocal, trifocal (FT25 28 or len cular) Single vision, bifocal, trifocal (FT25 28 or len cular) N/A Delta Dental Vision Care Direct of Kansas Don C. Railsback O.D. - Executive Director, 412 Main Street, Suite A Neodesha, Kansas Office: Cell: Fax: (Note: ignore the voice prompt and the fax will connect) Progressive Lens Allowance equal to retail price of standard trifocal Allowance equal to retail price of standard trifocal Frame $130 allowance $130 allowance N/A Elec ve Contact Lenses $130 allowance $130 allowance N/A 9

10 STD Short Term Disability Income Protection What would happen if your income stopped today? Are you prepared to provide for yourself and those you love in the event of a serious accident or illness? Unless you have planned for such a loss, losing your income can produce tragic results. If you are like most of us, your income is truly your most valuable asset. Voluntary STD is an important part of your financial security. STD is designed to help cover the immediate needs should someone become disabled due to an accident or illness and be unable to work for a period of me. PRMC eligible employees may enroll during open enrollment. The benefit pays directly to you. LTD Long Term Disability Income Protection FSA Flexible Spending Accounts Benefits include: Off the job protec on. Pregnancy is covered the same as any illness. 60% of your weekly earnings up to $1,400 per week maximum. Benefits begin on the 8th consecu ve day of disability if due to an illness or accident. 12 week benefit dura on. STD is available to full me and part me employees during annual enrollment. Long Term Disability Income protection, LTD, helps replace a por on of your pay for long term disability resul ng from a covered injury or sickness. Benefits begin at the end of the elimina on period and con nue while you are disabled up to the maximum benefit dura on. Benefits include: 90 day elimina on period and 60% of covered earnings up to a monthly maximum Long Term Disability is available to full me and part me employees during annual enrollment. Today, we need every dollar we get to help with family budgets. Flexible Spending Accounts are one way of providing addi onal cash flow. They are designed to allow you to take part of your taxable wage dollars and turn them into nontaxable benefit dollars. Two major areas that qualify for FSAs are out of pocket medical expenses and dependent care expenses. Medical expenses include deduc bles, co payments, dental care, eye care, etc. Dependent care expenses can be reimbursed for care of a child under age 13, or a disabled dependent in your care, while you and your spouse work. PRMC provides both of these accounts to our employees. If you incur medical or child care/ dependent expenses, you should consider taking advantage of this IRS benefit. The FSA allows you to save state, federal, and FICA taxes on out of pocket medical expenses. Health Care FSA you can set aside up to $2,550 per year to pay for qualified, out of pocket medical expenses Examples of qualified expenses include, but are not limited to: Prescrip on drugs, doctor s office co pays, co insurance, deduc bles, orthodon st & dental fees, prescrip on glasses & contacts, etc. Dependent Care FSA you can set aside up to $5,000 per calendar year to pay for qualified dependent care expenses Examples of qualified expenses include, but are not limited to: Babysi er, before/a er school programs, licensed nursery care, day care, elderly care, summer day camp, etc. You have until March 31st, 2017 to submit your 2016 FSA claim for reimbursement. Any funds le over in your account will be forfeited; there are no rollovers or refunds. 10

11 Basic Life, AD&D, Dependent & Supplemental Life We all want the best for our loved ones, especially if the unexpected should happen. Life insurance provides protec on for your family in the event you are no longer able to provide for them. PRMC pays for a $25,000 Basic Life and AD&D benefit for full me employees. There are op ons to purchase addi onal coverage for employees, spouse and children. Employees must purchase coverage on themselves in order for their other family members to par cipate. Other features include: Accelerated Life Benefit. If your life expectancy is 12 months or less, you can receive a percentage of the benefit prior to your death. Benefit Reduc ons At age 70, the original benefit is reduced to 65%. A New Twist to Life Insurance that helps whenever you need it most! Universal Life is a permanent life plan that provides affordable guaranteed protec on for your family. This life insurance goes with you when you leave employment. It gives you death benefits that you can depend on. Policy payments remain the same throughout the life of your policy. Universal Life also comes with an extra level of protec on for long term care services, combining two important benefits into one affordable product. How are your benefits paid? Your benefits can be paid as a Death Benefit, as Living Benefits for long term care, or as a combina on of both. Death Benefit Most people buy life insurance for the financial security of the death benefit. A death benefit puts money in your family s hands quickly when they need it most. It s money they can use as needed. Living Benefits Long term care can be expensive. Living Benefits make it easy to accelerate the death benefit to help pay for home healthcare, assisted living, adult day care or nursing home services, should you ever need them. Features you ll appreciate Lifelong protec on Provides coverage that will last your life me. Family coverage Apply for your spouse, children and grandchildren even if you choose not to par cipate. Terminal Illness Benefit Accelerates up to 75 percent of your death benefit if your doctor determines your life expectancy is 24 months or less. Waiver of premium Waives policy payments if your doctor determines you are totally disabled. At age 75, the original benefit is reduced to 50%. If you are reques ng coverage for the first me and you were previously eligible, evidence of insurability will be required. Supplemental Life Universal Life with Long Term Care Rider You may also purchase addi onal term life insurance. Dependent coverage is available if you purchase coverage for yourself. You may not exceed 50% of your coverage for a dependent. Each year during annual re enrollment you may increase your coverage, subject to Evidence of Insurability EOI You may increase your coverage by one level without proof of insurability each year. More than this amount and Evidence of Insurability, EOI, will be required. If you are reques ng supplemental coverage for the first me, and you were previously eligible but chose not to par cipate, EOI will be required from the first dollar of coverage. 11

12 Accident Coverage If you choose accident coverage, you will be covered in the event of an accident off the job. Medical fees up to $500 will be reimbursed in the event of an accident requiring medical care. These fees are limited up to $100 for physician fees, up to $200 for X rays, and up to $200 for emergency room services. There is a benefit of $50 for each visit to a doctor, outside of the hospital, for any reason, not to exceed four mes per year. Even regular check ups are included. For each covered person, the policy will pay a one me benefit of $1,000 per event when the covered person is admi ed for an overnight stay in the hospital as a result of an injury. Critical Illness Coverage with Cancer Benefits How does it work? Cri cal illness can strike anyone, at any me. Heart A ack. Stroke. There is so much to think about. From deciding between treatment op ons to managing every day needs to maintaining financial stability, facing a medical challenge has a great impact on us and our family. Cri cal Illness insurance can help. It can help you manage your illness, your way. Cri cal Illness insurance pays a lump sum cash benefit, upon the diagnosis of a covered illness, to help ease not just your financial worries, but your emo onal ones too. What s covered? Heart A ack Stroke Renal (kidney) failure Blindness Occupa onal HIV Alzheimer s Disease Transplant of a major organ Paralysis of at least two limbs Invasive cancer (excludes most skin cancer) Second event Cri cal Illness covers you when a condi on is diagnosed a second me Pays a lump sum cash payment when you are diagnosed with any and every covered condi on included in your policy. Benefits are payable for recurrence of the same covered condi on previously paid under the contract, as long as there are twelve months between the events. Health Screening Benefit To help you stay well, the Health Screening Benefit pays you a wellness benefit of $50 for one screening test per calendar year. Benefits You Will Appreciate Single cash benefit Choose a benefit of $10,000 to $20,000. Guaranteed Issue limits are up to $20,000 during ini al offering ONLY! Guaranteed renewable Guaranteed ac ve coverage for life, as long as premiums are paid on me. Your premium may change if the premium for all policies in your class changes. Level premiums Enjoy rates that don t increase because of age. Hospitaliza on/treatment Not required to collect benefit. You receive benefit payment a er diagnosis. 12

13 Basic Information BENEFITS WHAT YOU RECEIVE ELIGIBLE EMPLOYEE WHEN EFFECTIVE WHO PAYS Paid Time Off (PTO) in lieu of vaca on, holidays, sick days, personal me Years of Service % of accrual 0 < < < &> Immediately PRMC PTO Sell Back Op on Health Insurance Dental Insurance Vision Insurance Group Life Insurance Flexible Spending Account Cri cal Illness, Accident, Short Term Disability and Universal Life Insurance PRMC 401(k) Profit Sharing Plan (Re rement Benefit) Tax Deferred Annuity Program Social Security Sell back of accrued PTO hours pro rated at 97% of base hourly rate. Basic/Standard/Premium Plan Op ons. Major medical u lizes annual deduc ble and co payment, policy offers built in cost saving incen ves. Part me employees must pay en re premium amount. Refer to insurance handbook for complete plan coverage. Basic/Standard/Premium Plan Op ons. Insurance u lizes deduc ble and co payment. Refer to insurance handbook for complete plan coverage. Insurance u lizes co payment and covers exams, frames, lenses, and contacts. Refer to insurance handbook for complete plan coverage. $25,000 (FT & PT) plus AD&D, $2,000 spouse, + various levels for dependent child. Refer to insurance handbook for complete plan coverage. Pre tax deduc on of insurance premium(s), dependent childcare, unreimbursed medical expense. Means of reducing tax liability. Protec on for cri cal illness, accident, life and short term disability expenses. Payroll deduc on available for all plans. Pre tax deduc on of employee contribu ons up to 75%. Employer match on up to 6% of employee contribu on: less than 10 years of service at 25 cents on the dollar; more than 10 years of service at 50 cents on the dollar. Opportunity to par cipate in tax deferred annuity program. Federal program that provides for re rement, disability, Medicare and survivors benefits. (enrollment in plan 125 required) (Part me pays en re premium) All (if they meet plan requirements for hours worked and are greater than 18 years old. Immediately Coverage begins on the first of the month following comple on of 60 days of employment Coverage begins on the first of the month following comple on of 60 days of employment Coverage begins on the first of the month following comple on of 60 days of employment Coverage begins on the first of the month following comple on of 60 days of employment Coverage begins on the first of the month following comple on of 60 days of employment Coverage begins upon issue by the carrier. You are eligible to have coverage on the first of the month following 60 days of employment. Coverage begins on the first of the month following comple on of 60 days of employment. PRMC PRMC and Eligible Employees Eligible Employees Eligible Employees Employee (for dependent coverage) Employee Employee PRMC and Employee All Upon comple on of enrollment. Employee All Immediately PRMC and Employee Selling Back PTO Hours - If an employee elects to sell back PTO hours, it will be from the current year s accrual and cannot be from any prior year(s) accrued balance. The employee may make an annual irrevocable election no later than December 31 of the current year to sell back a minimum of 8 hours that will be earned in the next calendar year. The form to request to sell back PTO hours is available in the Human Resources Department Legal Services IDShield provides Iden ty The protec on with COMPLETE Monitoring of ALL 5 major forms of your iden ty with ALERTS PLUS FULL RESTORATION that includes Children s Idenes. The LegalShield Comprehensive Legal Plan helps us deal with any other STUFF that Legal Shield Morgan_sharp@actserv.com can disrupt our lives, and includes wri ng or upda ng a Last Will and Testament, Health Care Power of A orney, Living Will and a Minors Trust at Zero addi onal out of pocket cost. In addi on the Legal Plan provides comprehensive with: Divorce Traffic Will Preparation Child Custody Home Purchase Consumer Issues Unlimited Consultation Much Much More 13

14 Basic Information BENEFITS WHAT YOU RECEIVE ELIGIBLE EMPLOYEE WHEN EFFECTIVE WHO PAYS Weekend Differen al Shi Differen al Holiday Pay Vo ng Time, Jury Duty, Blood Dona ng Workers Compensa on Unemployment Compensa on Tui on Reimbursement Coffee/Rest Period $2.70 per hour compensa on for working weekend shi s 6:00 p.m. on Friday to 10:00 p.m. on Sunday. $2.00 per hour compensa on for working evening shi. $2.50 per hour compensa on for working night shi. 1 ½ mes hourly rate for hours worked when scheduled by supervisor Regular wages for me spent serving on jury duty, vo ng, dona ng blood. Refer to specific policy. Medical expenses and income protec on when off duty due to an on the job injury or job related illness subject to Kansas law. Income assistance a er mee ng state eligibility requirements, while seeking employment. Percentage of tui on reimbursement for work related courses undergraduate/graduate hours. Some assistance available for correspondence course work. Prior approval required. Two 15 minute paid coffee breaks per 8 hour shi. Coffee & Tea free All Immediately PRMC Those employees mee ng eligibility requirement Immediately PRMC All hourly employees Immediately PRMC All Immediately PRMC All Immediately PRMC All Immediately PRMC A er six months service PRMC All Immediately PRMC Cafeteria Employee meals discounted All Immediately Employee Employee Assistance Program Credit Union Direct Deposit Service Awards Recrea on/social Ac vi es Accounts Payable Payroll Deduc on Birthday Gi UPS, Fed Ex and U.S. Postal Service Pickup and Receiving EMPAC EAP Professional counseling services for employees and family members. Confiden ality ensured. Savings/loan through convenient payroll deduc on; also Christmas Club, IRA, Checking accounts. Automa c deposit of payroll. Able to specify mul ple accounts. Recogni on for 5, 10, 15, 20, 25, 30, 35 years of con nuous service at PRMC. Various recrea on/social ac vi es sponsored by PRMC (i.e. picnics, athle c team sponsorships). Through arrangement with the business office, payroll deduc ons to apply to PRMC hospital bill only. One free meal in PRMC cafeteria by presen ng free meal card. Employee may receive or have parcel post picked up by no fying Materials Management and paying postal/ shipping costs. Credit Union membership All Immediately PRMC All Designated by Medical Community Credit Union Within 30 days of authoriza on Employee Anniversary Date Employee PRMC PRMC All Immediately PRMC All Immediately Employee All On Birthday PRMC All Immediately Employee Wheat State Credit Union formerly Medical Community Credit Union and prior to that St. Joseph Medical Credit Union has been aligned with Pra Regional Medical Center and its employees longer than any other PRMC benefit. We are proud of our long standing partnership and the rela onships we have built over the years. Wheat State Credit Union is a full service financial ins tu on offering PRMC employees: Low interest loan rates Various savings accounts (Regular savings, Christmas Club, etc.) Free checking accounts Second chance checking accounts Cer ficates of Deposit (CD s) IRA Accounts 14

15 Air Ambulance Services Membership with one of the air transporta ons services, Eagle Med or Life Team can save you a lot of money. Air transporta on in a life saving emergency can cost thousands above the insurance plan coverage. Membership ensures you will not be billed for the cost of the flight. Coverage can be for single or family plans which include all members of your household. Choose between two coverage providers. Plan details vary so please visit with company representa ves for you specific needs. Premiums for both Air Ambulance services are annual premiums and cannot be payroll deducted for more than 2 pay periods. AirMedCare AirMedCare Network is an alliance among Med Trans Air Medical Transport, Air Evac, EagleMed, and REACH Air Medical Services, crea ng America s largest air ambulance membership program. An AirMedCare Network membership automa cally enrolls you in all 4 company membership programs, giving you membership coverage in over 220 loca ons across 32 states. Take advantage of this great opportunity today! LifeTeam LIFETEAM As a member of LifeTeam, you and your family will not experience any out of pocket expenses for a medically necessary air transport provided by LifeTeam. Individual memberships can be purchased for just $35 dollars, or family memberships for only $ While no one ever expects to need air medical transport, it is comfor ng to know that LifeTeam is a short twentyfive minute flight away and available 24/7 if needed. 401K Important Information EagleMed Life Team Assis ng you with your savings for re rement is a benefit that PRMC is proud to offer our employees. The Pra Regional Medical Center 401(k) Profit Sharing Plan is designed to help you meet your financial goals in re rement. The plan is easy to enroll in, offers eligible employees a way to make tax deduc ble contribu ons that are payroll deducted, and provides an addi onal employer matching contribu on. An easy to use website is available to do many things such as check your balance, make investment changes or increase your contribu on rate. We hope you are taking advantage of this benefit and encourage you to visit the website at or call the Par cipant Services Group at to access your account or enroll in the plan. The PRMC intranet has a very informa ve video about the PRMC 401 (k) Profit Sharing Plan: h p://intranet/enrollment/index.html Rollovers into the 401(k) Plan If you have a benefit in the PRMC Re rement Benefit Plan, you may be eligible to rollover that amount into the PRMC 401(k) Profit Sharing Plan. If you par cipated in a re rement plan with a prior employer, your account may be eligible to rollover into your PRMC 401(k) plan as well. Consolida ng accounts is very common and provides many par cipants the most convenient way to keep track of their re rement accounts. If you d like to learn more about this process and receive addi onal assistance, please contact BOKF Financial at to speak with someone. New 401(k) Plan Website We are pleased to announce that BOK Financial has created a new website for our 401(k) plan par cipants. The new website will include several enhancements that we are confident will improve your online experience. The website s naviga on and layout have all been revamped. A re rement planning tool has also been expanded and will be accessible from the landing page to assist you in your re rement planning efforts. PRMC 401K Profit Sharing Plan Bank of Oklahoma

16 PRMC is proud to present our partners and sponsors for this year s annual enrollment. Star Robbins & Company Benefit Educa on & Support Team We bring ongoing, simple instruction to the workplace in order to help make benefits easy to understand so individuals can make good decisions. In major catastrophes, we offer a listening ear and we give guidance about life-changing insurance plans to help protect a secure financial future. MIDWEST BENEFIT RESOURCES, LLC Group Benefit Plans & Administration Consulting Individual Health Plans P.O. Box 843 Pratt, KS Brenda mbr@cox.net Office: * Cell: * Fax: Brenda Johnston Our unique family of companies has the expertise and industry-leading innovations to help you minimize risk and master an unpredictable health care environment. AT THE TRUSTMARK COMPANIES we help people thrive. We provide products and personalized attention that engage and inspire people to maximize their health potential. We offer employee benefits customized to fit each unique business need or life circumstance. It all revolves around our belief that better health and greater financial security increase overall well-being. And with well-being comes peace of mind. Peace of mind to focus on work and family and everything else that s important in life. Peace of mind to thrive. With a variety of vision plans to meet your specific needs, Vision Care Direct offers you an unparalleled freedom of choice. Whether your vision needs include bifocals, trifocals, progressive lenses, safety wear or Pra Regional Medical Center does not exclude, deny benefits to, or otherwise discriminate against any person on the basis of race, color, na onal origin, disability, or age in admission to, par cipa on in, or receipt of the services and benefits under any of its programs and ac vi es, whether carried out by Pra Regional Medical Center directly or through a contractor or any other en ty with which Pra Regional Medical Center arranges to carry out its programs and ac vi es. Life Insurance products for the employee and family dependents Employee Assistance Program (316) or(800) www. 16