2015 Benefit Highlights. Allied Health Staff. Mayo Clinic, Mayo Clinic Health System, and Gold Cross. benefits TO BUILD ON

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1 2015 Benefit Highlights Allied Health Staff Mayo Clinic, Mayo Clinic Health System, and Gold Cross benefits TO BUILD ON

2 Table of Contents Who is Eligible to Enroll? 1 Medical Plan Options 2 Medical Plan Premiums 4 Medical Plan Prescription Drugs 5 Dental Plans 6 Dental Plan Premiums 7 Flexible Spending Accounts (FSA) 8 Financial and Retirement 8 Time Away From Work 9 Survivor s Benefits and Optional Insurance 10 Working at Mayo Clinic is making a difference. It s providing the highest quality patient care by placing the needs of the patient first. At Mayo Clinic, you ll discover a culture of teamwork, professionalism and mutual respect and most importantly, a lifechanging career. We are excited to share with you in the following pages a highlight of the wide variety of benefits offered to Mayo Clinic employees. This is the first of many tools and resources that we offer to help you manage your health and finances so that you can focus on the needs of the patient.

3 Who is Eligible to Enroll? Make sure you and your loved ones are covered. Your benefits commence on your first day of employment with Mayo Clinic. As life is full of change, Mayo Clinic also has an annual Open Enrollment for medical, dental and other benefits that gives you a chance to review and update your benefit elections to keep in step with your needs. You also have options to change your benefits when an eligible life event occurs. You are a benefits-eligible employee if your Full Time Equivalent (FTE) is 0.5 or greater. That means that you are on file with Human Resources as having a work schedule that is 40 hours pay iod or more. For coverage, eligible members include: A spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized*) Biological or legally adopted children, and stepchildren (including children of same-sex domestic partner in states where same-sex marriage has not been legalized*) who are under age 26 An eligible child over the age of 26 who is physically or mentally incapable of self-support may continue coverage according to plan guidelines. Contact the Employee Service Center (ESC)** or local HR for more information. Mayo Basic Plan You cannot enroll in the Mayo Basic Plan if you are: Participating in a Health Care Flexible Spending Account. This applies to you and your spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized*). Participating in the Mayo Reimbursement Account. This applies to you and your spouse or same-sex domestic partner (in states where same sex marriage has not been legalized*). Health Savings Account IRS guidelines outline eligibility requirements for participating in a Health Savings Account (HSA). To participate in a HSA, you must be enrolled in the Mayo Basic Plan option. You cannot open a HSA if you are: Covered under a health plan by your spouse or same-sex domestic partner that is not a High-Deductible Health Plan (HDHP) A student at Mayo Clinic College of Medicine Claimed as a dependent on another son s federal tax return A resident of Alabama, California or New Jersey *Additional pawork is required for same-sex domestic partners in states where same-sex marriage has not been legalized. Children of a same-sex domestic partner must be financially dependent on the staff member. Supporting documentation will be requested by Human Resources. Benefits for Franciscan Healthcare include coverage for all legally married spouses, including same-sex spouses. Domestic partners are not covered. **The Employee Service Center serves employees in Arizona, Florida and Rochester, as well as at Mayo Clinic Health System sites in Decorah, Iowa (physicians only), and Faribault and Lake City, Minn. The Employee Service Center also serves Gold Cross and the Northwest Wisconsin and Southwest Minnesota regions of Mayo Clinic Health System Benefit Highlights - Mayo Clinic - Allied Health 1

4 Medical Plans At Mayo Clinic, the needs of the patient come first and that includes you and your. That s why all Mayo Medical Plan options cover the same services. No need to compare your medical plan options based on services. Instead, look at the cost-sharing amounts the premiums, deductibles, copayments, and out-of-pocket maximums to determine what meets your preferences or needs. Cost-sharing Amounts Annual Deductible Annual Out-of-Pocket Maximum Mayo Premier Mayo Select Mayo Basic $300 son; $600 $2,000 son; $4,000 $450 son; $900 $3,000 son; $5,000 Out-of- Network $900 son; $1,800 $4,000 son; $6,000 $800 son; $1,600 $3,500 son; $7,000 $1,200 son; $2,400 $4,500 son; $8,000 Out-of- Network $1,600 son; $3,200 $5,500 son; $9,000 Employee: $1,700 E+Child(ren): $3,400 E+Spouse: $3,400 Family: $3,400 Employee: $5,000 E+Child(ren): $10,000 E+Spouse: $10,000 Family: $10,000 Employee: $1,900 E+Child(ren): $3,800 E+Spouse: $3,800 Family: $3,800 Employee: $6,000 E+Child(ren): $11,000 E+Spouse: $11,000 Family: $11,000 Out-of-Network Employee: $2,100 E+Child(ren): $4,200 E+Spouse: $4,200 Family: $4,200 Employee: $7,000 E+Child(ren): $12,000 E+Spouse: $12,000 Family: $12,000 Physician Visits a. Primary care b. Express care c. Urgent care d. Specialty care Preventive Care Services See Preventive Care Services chart Mayo Premier Mayo Select Mayo Basic b. $0 c. $0 b. $0 c. $0 Out-of- Network b. $0 c. $0 b. $0 c. $0 Out-of- Network $0 $0 NC $0 $0 NC $0 $0 NC Out-of- Network Diagnostic Tests and Labs 20% 20% 40% 20% 20% 40% 20% 20% 40% Maternity Care Services a. Prenatal and postnatal visits b. Delivery, inpatient services Emergency Services a. Emergency transportation to nearest qualified facility (includes air ambulance when authorized) b. Emergency room facility/ professional (physicians, nurses, etc.) b. $75 b. $75 b. $75 b. $75 b. $75 b. $75 * * * *After deductible is met Benefit Highlights - Mayo Clinic - Allied Health 2 NC = Not covered

5 Inpatient Hospital Services Prior authorization required by the Plan for services. Outpatient Hospital & Ambulatory Services Mayo Premier Mayo Select Mayo Basic Out-of- Network Out-of- Network 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% Out-of- Network Rehabilitative Therapy, Chiropractic Care and Acupuncture Services a. Physical therapy (PT), Occupational therapy, Speech therapy b. Chiropractic care Limit of 20 spinal manipulations year ; 20-visit limit for PT ; 20-visit limit for PT ; 20-visit limit for PT c. Acupuncture Limit of 20 visits year c. NC c. NC c. NC c. NC c. NC c. NC Continued Care a. Home health care (90-day limit year) b. Home infusion therapy c. Hospice care (inpatient) d. Hospice care (outpatient) e. Skilled nursing care facility (30-day limit year) e. 40% e. 40% e. 40% Note: Custodial care not covered. Infertility Services Office visits and outpatient or hospital procedures 50% for eligible services 50% for eligible services NC 50% for eligible services 50% for eligible services NC 50% for eligible services 50% for eligible services NC Up to $15,000 lifetime maximum Mental Health and Chemical Dependency Services a. Specialty care visit b. Inpatient c. Outpatient d. Non-Residential Structured Treatment Program e. Residential Structured Treatment Program e. 40% e. 40% e. 40% Special Services a. Chemotherapy/radiation therapy b. Disposable supplies c. Durable, non-durable medical equipment d. Orthotics and prosthetics e. Tobacco cessation e. $0 e. $0 e. NC e. $0 e. $0 e. NC e. $0 e. $0 e. NC f. Tobacco Treatment Program f. $0 f. $0 f. NC f. $0 f. $0 f. NC f. $0 f. $0 f. NC NC = Not covered 2015 Benefit Highlights - Mayo Clinic - Allied Health 3

6 What you ll pay for Medical Plan Premiums in 2015 Mayo reviews the costs of Mayo Medical Plan options annually, adjusting premiums and/or cost-sharing amounts when necessary. Medical premiums are outlined in the table below with both pre-tax monthly and -pay-iod amounts. If you choose benefit coverage, the appropriate pre-tax premium rate will be deducted from your paycheck. Full-Time Employee Premiums ( FTE) Mayo Premier Mayo Select Mayo Basic Monthly Per Pay Period Monthly Per Pay Period Monthly Per Pay Period Employee $86 $43 $48 $24 $12 $6 Employee + Child(ren)* $171 $85.50 $95 $47.50 $23 $11.50 Employee + Spouse* $154 $77 $86 $43 $21 $10.50 Family* $257 $ $143 $71.50 $35 $17.50 Part-Time Employee Premiums ( FTE) Employee $129 $64.50 $72 $36 $18 $9 Employee + Child(ren)* $257 $ $143 $71.50 $35 $17.50 Employee + Spouse* $231 $ $129 $64.50 $32 $16 Family* $386 $193 $215 $ $53 $26.50 Spousal Surcharge: A $50 pre-tax monthly surcharge will be added to the medical plan for employees covering a spouse or same-sex domestic partner* who is offered medical coverage through his/her employer, does not elect that coverage, and is instead covered under the Mayo Medical Plan. Note: The premium is taken out of the first two pay iods month, so the amount shown pay iod is taken out of your paycheck 24 times year. *Same-sex domestic partners and their children are also eligible for coverage in states where same-sex marriage has not been legalized. Benefits for Franciscan Healthcare include coverage for all legally married spouses, including same-sex spouses. Domestic partners are not covered Benefit Highlights - Mayo Clinic - Allied Health 4

7 Mayo Medical Plan Comparisons of Prescription Drug Coverage Mayo Select/Mayo Premier * Mayo Basic * Prescription Drug Coverage Mayo Mail Service (up to 100-day supply) Mayo Outpatient Pharmacy (up to 100-day supply except where indicated) Catamaran Pharmacy (up to 34-day supply) Mayo Mail Service (up to 100-day supply) Mayo Outpatient Pharmacy (up to 100-day supply) Catamaran Pharmacy (up to 34-day supply) Formulary generic and preferred drug (Tier I) $10 maximum $10 maximum up to 34-day supply $10 maximum 5% 10% 25% Formulary Brand or injectable drug (Tier II) 25% ($10 minimum) 30% ($10 minimum) 40% ($15 minimum) 25% 30% 40% Formulary non-preferred drug (Tier III) 40% ($10 minimum) 40% ($10 minimum) 50% ($15 minimum) 40% 40% 50% Non-formulary drug (Tier IV)** 50% ($10 minimum) 50% ($10 minimum) 60% ($15 minimum) 50% 50% 60% Deductible None Combined with medical deductible Annual out-of-pocket maximum Combined with medical out-of-pocket maximum * Specialty prescriptions are covered under the Mayo Medical Plan when purchased at the Mayo Specialty Pharmacy as well as any participating Mayo Clinic or Mayo Clinic Health System outpatient pharmacy. ** Non-formulary (Tier IV) prescriptions do not apply to the Mayo Premier or Mayo Select plans out-of-pocket maximums Benefit Highlights - Mayo Clinic - Allied Health 5

8 Dental Plans Healthy teeth are a part of wellness. Mayo Clinic provides two dental options for all benefits-eligible employees to choose from. Delta Dental Delta Dental is an option that is a cost-sharing plan with a participating provider network. This plan provides flexibility, network savings and preventive services. Mayo Reimbursement Account (MRA) The MRA is an annual $1,150 employer contribution (prorated based on start date) that can be used toward dental and vision expenses. You have the choice of any provider. Delta Dental Mayo Reimbursement Account* Deductible $50 son / $150 N/A Annual Maximum (paid by plan) $1,000 son calendar year $1,150 calendar year Preventive (exams/cleaning) $0 $0** Basic Services 20% $0** Major Restorative Services (crowns/inlays) 50% $0** Lifetime Orthodontic Maximum (paid by plan) $1,500 individual lifetime $1,500 individual lifetime Vision Expenses N/A $0** *Not available if enrolled in Mayo Basic medical plan. **Results in $0 employee responsibility when services are reimbursed with MRA dollars. Month of Enrollment MRA Proration Amount Month of Enrollment MRA Proration Amount Month of Enrollment MRA Proration Amount January $1, May $ September $ February $1, June $ October $ March $ July $ November $ April $ August $ December $ Benefit Highlights - Mayo Clinic - Allied Health 6

9 Dental Plan Premiums for 2015 Dental premiums are outlined in the table below with both pre-tax monthly and -pay-iod amounts. If you choose benefit coverage, the appropriate pre-tax premium rate will be automatically deducted from your paycheck. Delta Dental Mayo Reimbursement Account (MRA) Full-Time Employee Premiums ( FTE) Monthly Per Pay Period Monthly Per Pay Period Employee $9 $4.50 $4 $2 Employee + Child(ren)* $18 $9 $4 $2 Employee + Spouse* $27 $13.50 $4 $2 Family* $35 $17.50 $4 $2 Part-Time Employee Premiums ( FTE) Employee $9 $4.50 $4 $2 Employee + Child(ren)* $27 $13.50 $4 $2 Employee + Spouse* $36 $18 $4 $2 Family* $48 $24 $4 $2 *Same-sex domestic partners and their children are also eligible for coverage in states where same-sex marriage has not been legalized. Benefits for Franciscan Healthcare include coverage for all legally married spouses, including same-sex spouses. Domestic partners are not covered. Note: The premium is taken out of the first two pay iods month, so the amount shown pay iod is taken out of your paycheck 24 times year Benefit Highlights - Mayo Clinic - Allied Health 7

10 Flexible Spending Accounts (FSA) Flexible Spending Accounts (FSA) are a benefit that can help you stretch your dollars. With an FSA, you can set aside pre-tax dollars through payroll to help pay for eligible expenses incurred by you or your. It is called a voluntary benefit because you choose to establish and fund it yourself. Health Care FSA* The Health Care FSA mits a reserve of pre-tax income (up to $2,500 maximum annual contribution employee) to pay for eligible medical and/or dental expenses incurred but not covered by other plans. Staff with a Health Care FSA will be allowed to roll-over $500 year. *Health Care FSA benefit is not available to participants in Mayo Basic. Dependent Care FSA The Dependent Care FSA mits a reserve of pre-tax income (up to $5,000 maximum annual contribution household) to pay for eligible child or other dependent care expenses. Financial and Retirement Mayo Clinic administers a competitive, predictable and market-leading salary program with regular increases, given satisfactory employee and organizational formance. Mayo Clinic also provides a comprehensive and competitive retirement package that will assist you in achieving your sonal financial security for your retirement. Pension Plan Mayo Clinic is one of the few U.S. companies who continue to provide a pension benefit at no cost to their staff. The Mayo Clinic Pension is a defined benefit plan where contributions are made by your employer. Your final benefit payout can be predicted because it is determined by a formula rather than by investment results. Financial Engines As an added benefit, asset management services are available through Financial Engines, LLC. The first $5,000 is managed at no charge; otherwise a fee of $3.00 $1,000 invested is charged up to $100,000. You may opt out of this service at any time. 403(b) and 401(k) Retirement plans The optional 403(b) or 401(k) plans allow employees to contribute pre-tax or post-tax Roth dollars to an investment plan administered by Fidelity Investments. There are many investment options to choose from, including a self-directed brokerage account. You may generally defer up to 50% of annual salary or the annual IRS limit, whichever is less. The IRS limit for 2015 is $18,000 or $24,000 if you are 50 years of age or older. New employees are automatically enrolled at a 4% contribution rate of salary. Mayo Clinic will match 403(b)/401(k) contributions based on length of pension benefit service, shown in the chart below. Length of pension benefit service Mayo Clinic match (%) Example match based on pension benefit service % on the first 4% of employee contribution $1.00 employee contribution $0.50 Mayo match % on the first 4% of employee contribution $1.00 employee contribution $0.75 Mayo match % on the first 4% of employee contribution $1.00 employee contribution $1.00 Mayo match Note: This information does not apply to these unions: Albert Lea Service Employees International Union (SEIU) (general and maintenance), Austin United Steelworkers Service, Mankato Minnesota Nurses Association (MNA), Mankato American Federation of State, County and Municipal Employees 105, Red Wing MNA, Red Wing SEIU (clinic and hospital), Rochester Methodist Hospital SEIU, Saint Marys Hospital SEIU, Franklin Heating Station Benefit Highlights - Mayo Clinic - Allied Health 8

11 Time Away From Work Achieving balance means something different for everyone, whether it s going on vacation, meeting people with similar hobbies, or spending time with and friends. At Mayo Clinic, we understand that time off is critical to maintaining a work/life balance, and as a result, offer a Paid Time Off (PTO) policy that is very generous. Paid Time Off This self-managed program combines traditional holidays, vacation and sick time into one account. Accrued bi-weekly at a rate based on length of service, employment status (exempt or non-exempt) and the cent of a full-time work schedule May accrue up to 1.5 times annual PTO accrual level Employees may sell back PTO according to the guidelines of the program Employees are mitted reasonable time off with pay for funerals and jury duty as noted in the employee policy manual Non-Exempt (hourly) Exempt (salary) Patient Care RN* Years of Service PTO Days (Annual) PTO Hours (Per Pay Period) Years of Service PTO Days (Annual) PTO Hours (Per Pay Period) Years of Service PTO Days (Annual) PTO Hours (Per Pay Period) Note: This information does not apply to the following unions: Albert Lea SEIU (general and maintenance), Mankato MNA, Red Wing SEIU (clinic and hospital), Red Wing MNA, Gold Cross St. Cloud, Gold Cross Mankato, Gold Cross Duluth. *All non-suvisory RN staff (excluding Arizona, Florida and Waycross) with positions that require all of the following: RN education, active RN license, and competency to provide direct patient care that impacts patient clinical outcomes. This excludes Directors, Suvisors, Managers, Advanced Practice RNs, Staff Educators, and those who do not have direct patient care. Short-Term and Long-Term Disability If you are ill or injured, Mayo Clinic provides a short-term and a long-term disability benefit. The disability plans can be used for an employee s serious health condition. The amount of paid Short-Term Disability is based on length of service, employment status (exempt or non-exempt) and the cent of a full-time work schedule. Employees are eligible for Short-Term Disability after a 40 hour wait iod. When the iod of disability exceeds 13 weeks, you may be eligible to file a claim under the Long-Term Disability Plan. Long-Term Disability protects 65 cent of salary after 520 hours of related illness and/or injury. Short-Term Disability Benefit (1.0 FTE) Category Completed Years of Service Benefit Amount Nonexempt hours at full pay plus 400 hours at half pay Nonexempt hours at full pay Exempt hours at full pay Patient Care RNs hours at full pay Note: Short-term disability information does not apply to the following unions: Albert Lea SEIU (general and maintenance), Mankato MNA, Red Wing SEIU (clinic and hospital), and Red Wing MNA. Long-term disability does not apply to Mankato MNA Benefit Highlights - Mayo Clinic - Allied Health 9

12 Survivor s Benefits and Optional Insurance Mayo Clinic offers both employer paid and voluntary life insurance to care for yourself and loved ones and provide financial security should the unexpected occur. Employer Paid Life Insurance Coverage Employer paid life insurance pays a benefit equal to three times your annual salary, up to the plan s maximum salary limit, to your designated beneficiaries in the event of your death for any cause. Mayo Clinic pays the full cost of coverage for the Employer Paid Life Insurance. Employer Paid Accidental Death & Dismemberment Insurance (AD&D) Employer Paid AD&D insurance pays a benefit amount equal to your annual salary, up to the plan s maximum salary limit, to your designated beneficiaries in the event of your accidental death or a centage of the benefit for a qualified dismemberment. Your employer pays the full cost of coverage for the Employer Paid AD&D. Employee Paid Optional Insurance Benefit Employee Cost Description of Benefit Voluntary Universal Life Insurance $0.05 to $8.00 $1,000 of coverage month (based on age) Additional voluntary coverage to supplement your Employer-Paid Life Insurance, you may purchase additional term life insurance from the Voluntary Universal Life Insurance Plan. The plan offers a benefit of one or two times your annual salary, payable to your beneficiary in the event of your death from any cause. Family Life Insurance Voluntary Accidental Death & Dismemberment (AD&D) Insurance Excess Personal Liability Long-Term Care Insurance Varies according to spouse s age $0.15 $10,000 coverage/month $22 or $32 month Rates based on age at date of issue When you elect Voluntary Universal Life Insurance, you also may participate in Family Term Life Insurance. You can elect a benefit of one or two times your annual salary. You cannot elect a benefit on your spouse that is larger than your benefit. You can elect a benefit of $10,000 child. If you have elected spousal coverage, you will not pay an additional premium for child coverage. If you are married but have not elected spousal coverage, you will pay $.715 for $10,000 of coverage. You can purchase additional Voluntary AD&D coverage, in addition to the employer paid AD&D plan, at a rate of $0.15 $10,000 of coverage. Coverage is available in $10,000 or $25,000 increments, up to a maximum of $225,000. Hirman Insurors provides protection of $3 million or $5 million in umbrella insurance coverage, beyond requisite sonal homeowner/renter and automobile insurance limits. Voluntary Group Long-Term Care Insurance through CNA Insurance Company is available to you as a benefits-eligible Mayo Clinic staff member. It also is available to your spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized), parents, grandparents and in-laws. Not available at Franciscan Healthcare at this time Benefit Highlights - Mayo Clinic - Allied Health 10

13 Notes 2015 Benefit Highlights - Mayo Clinic - Allied Health 11

14 Notes 2015 Benefit Highlights - Mayo Clinic - Allied Health 12

15 2015 Benefit Highlights - Mayo Clinic - Allied Health 13

16 This is a high-level summary of certain Mayo Clinic benefits. The summary may or may not be applicable to union employees. It is intended for general information purposes only and should not be considered legal, investment or other benefits advice. This guide is not a legal Summary Plan Description or plan document. If there is a conflict with this information and an official plan document, the official plan document is controlling. Mayo Clinic reserves the right to terminate or amend the Plans at any time, in whole or in part, for any reason. Any such amendment or termination may apply to current and future participants, current and future retirees, covered spouses, beneficiaries and dependents. MC rev0115