One YOUR TOTAL HEALTH MATTERS Benefits Enrollment Guide

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1 efit your ben e k a m e s Plea ys hin 31 da it w s n io t elec eligibility w e n r o e of hir One YOUR TOTAL HEALTH MATTERS 2015 Benefits Enrollment Guide

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3 Message from Debra Plousha Moore [1] Welcome New Teammate, Thank you for choosing to become a part of the Carolinas HealthCare System team. We are a System committed to working as One to improve the health and access to healthcare for you, your family and patients we serve. Part of our responsibility is to help you make more informed healthcare decisions related to your Total Health. The CHS Total Health partnership means we provide the educational tools and resources to support your physical, financial and personal health. As a partner in your Total Health, we provide market-competitive benefits and information to help you make the best choices. Details about the CHS LiveWELL Health Plan, Voluntary Benefits, Work/Life Benefits, Retirement programs and other benefits can be found throughout this guide. Our CHS LiveWELL Health Plan is a consumer-directed health plan. Consumerdirected means teammates are in the driver s seat as it relates to decisions about their care. You may access all of our benefit resources on our Benefits PeopleConnect page. Please take the time to learn about the benefits available to you as a teammate. I encourage you to become an informed healthcare consumer so you will choose the options that are best for you and your family. Please know, regardless of where you are in your experience with a consumerdirected health plan, throughout 2015 we will provide education sessions and useful on-line tools to ensure you are able to make the most of your health plan. Thank you for choosing Carolinas HealthCare System. We are glad you are a part of our team. Your Total Health is one of our highest priorities. Committed to your Total Health, Debra Plousha Moore Chief Human Resources Officer, Executive Vice President Carolinas HealthCare System takes great pride in offering teammates a comprehensive Total Rewards package to promote and support your Total Health physical, financial and personal. Your healthcare benefits are just one of the many components of CHS Total Rewards, which includes your pay, CHS LiveWELL programs, health benefits, voluntary benefits, retirement and CHS Performance Plus. HEALTH COMPENSATION CAREER WORK/LIFE CHS TOTAL REWARDS

4 What s inside: Page 3 Your CHS LiveWELL Health Plan 5 Your CHS LiveWELL Health Plan At-A-Glance 6 Get Informed with Your Benefits Tools and Resources 8 Your Cost for Healthcare Coverage 10 Prescription Drug Benefits 12 Managing Your Costs Using Flexible Spending Accounts 14 Dental Plan 15 Vision Plan 16 Life and Disability Benefits 17 Voluntary Benefits 22 Supporting Your Financial Health 23 Next Steps: New Hire Benefits Enrollment Instructions 25 Newly Eligible Benefits Enrollment Instructions Your NEW HIRE / new Eligibility Enrollment As a newly hired or newly eligible teammate at Carolinas HealthCare System, you have 31 days from your hire date or status change to enroll in the CHS LiveWELL Health Plan. Please make your elections wisely since they will be effective for the remainder of the year, unless you have a qualifying family change. These symbols highlight actions you must take or opportunities to learn more about your benefits. Action Alert this symbol indicates you must take action on this item Good to Know this symbol indicates an opportunity to learn more about this benefit and may direct you to our website, guides, etc.

5 Your CHS LiveWELL Health Plan [2/3] Through the CHS LiveWELL Health Plan, your medical and prescription drug coverage consist of a single plan for 2015: a consumer-directed health plan with a health savings account (HSA). Key features of the CHS LiveWELL Health Plan: Preventive care is covered at 100% Pays benefits in the form of coinsurance once you have met the plan s annual deductible Out-of-pocket limits protect you from significant out-of-pocket costs You may see any provider you want, however, the plan pays more when Carolinas HealthCare System and network providers are used You have six tiers of coverage to choose from: Teammate Only Family Plans: Teammate + Spouse Teammate + Working Spouse Teammate + Child(ren) Teammate, Spouse and Child(ren) Teammate, Working Spouse and Child(ren) We offer a consumer-directed health plan with a health savings account (HSA). Health Plan Coverage Your Enrollment Checklist Review all benefits enrollment information Enroll in your benefits. Remember your voluntary benefits are available to complement your core benefits. Consider increasing your CHS Retirement Plan 401(k) contributions at retirement or call Retirement Plan Services Who Is Eligible? Teammates working 24 or more standard hours per week. Dependent Eligibility Eligible dependents include your: Spouse Children up to age 26 Unmarried children of any age who are incapable of self-support due to a mental or physical disability, which began prior to age 26, and who are primarily dependent upon you (contact Carolinas HealthCare System Benefits Administration for required disability certification forms) Dependent Verification Documentation is required to verify eligibility of all dependents being enrolled in the medical, dental and vision plans. It is considered fraudulent to cover non-eligible individuals on your plans. Making Changes to Your Benefits You can only make changes to your benefit elections upon new eligibility or when you have a qualifying family change or during Open Enrollment. A qualifying family change includes: Marriage, annulment, divorce or death of a spouse Birth, adoption or death of a child Recognition of marriage Employment change for you, your spouse or a dependent child that results in a loss or gain of healthcare coverage or other loss of health plan coverage Child loss of eligibility Enrollment or removal from daycare, which allows changes to your Dependent Daycare Flexible Spending Account If you experience a qualifying family change during the year, be sure to contact Benefits Administration within 31 days of the change. The benefits changes you make must be consistent with your family change.

6 CHS LiveWELL Health Plan CHS LiveWELL Health Plan offers you control! When you enroll, you take responsibility for your healthcare costs. As a consumer-directed (high-deductible) plan, it allows you to explore your options of care select what is best for you while at the same time investing in your personal health savings account (HSA). Health Savings Account (HSA) An HSA is like a personal savings account for your healthcare expenses that you own and it s all taxfree. You own the account and decide how much to contribute up to the IRS limits. To help your savings grow even faster, Carolinas HealthCare System makes an annual contribution and matches your contribution (based on your level of coverage and specific dollar maximums determined each year). Here is a detailed look at how the CHS LiveWELL Health Plan option with an HSA can benefit you and your family: Enroll in CHS LiveWELL Health Plan Eligibility to Participate To participate in an HSA, you must be enrolled in a high-deductible consumerdirected health plan not covered by other health insurance, Medicare or TRICARE, and you cannot be claimed as a dependent on someone else s tax return. Preventive services: You receive care Plan pays 100% Teammate pays 0% AND Invest in your HSA: 1. Teammate Pre-tax premiums Pre-tax HSA contributions 2. CHS LiveWELL incentive next year Annual contribution This HSA money is yours and rolls over from year to year. Teammates working 30 or more standard hours and earning less than $30,000 in annual base salary pay lower premiums and receive an additional $100 HSA contribution. Matching contribution Rx* and healthcare services before deductible is reached: Teammate pays 100% of billed rate Plan pays 0% Rx* and healthcare services after deductible is reached: Teammate pays 20%-30% Plan pays 70%-80% If you have an outpatient or inpatient event, you will likely reach your out-of-pocket maximum. Even if you have a catastrophic event, you only pay until you reach your out-of-pocket maximum, then the plan pays 100%. You pay nothing for the remainder of the year. *Rx = prescription medications Rx* and healthcare services after out-of-pocket maximum reached: Teammate pays 0% Plan pays 100%

7 [4/5] Your CHS LiveWELL Health Plan AT-A-GLANCE Carolinas HealthCare System Provider Network Provider Annual Deductible Individual (Inpatient/Outpatient) $1,850 $2,600 Family (Inpatient/Outpatient) $3,700 $5,200 CHS HSA Contributions Annual Contribution Teammate Only $100 Family Plans $350 Additional Annual Contribution (for teammates $100 earning less than $30,000 in annual base salary) Matching Contribution Teammate Only Up to $250 Family Plans Up to $750 Out-of-Pocket Maximum The maximum amount you will pay out of your pocket during the year. It includes your annual deductible, coinsurance, copays and pharmacy costs. Teammate Only $5,600 $6,450 Family Plans $11,200 $12,900 Lifetime Benefit Maximum UNLIMITED Pre-existing Condition Limitations NONE Preventive Care Carolinas HealthCare System Provider Network Provider Adult Routine Wellness/Preventive Care 100% Pediatric Routine Wellness/Preventive Care 100% Outpatient Care Carolinas HealthCare System Provider Network Provider Diagnosis/treatment office visit (PCP) 75% after deductible 70% after deductible Specialist Office Visit 75% after deductible 70% after deductible Mammogram 100% 100% PSA Test 100% 100% PAP Smear 100% 100% MRI, CT and PET Scans (Outpatient/Non-Facility) 75% after deductible 70% after deductible Urgent Care Visit 75% after deductible 75% after deductible Emergency Room Visit 75% after deductible 75% after deductible Outpatient Care Physician 75% after deductible 70% after deductible Outpatient Care Facility 70% after deductible 60% after deductible Infertility Treatment (Covered only at Carolinas HealthCare System Reproductive Medicine and Infertility) 100% after deductible $25,000 lifetime maximum Not covered Inpatient Care Carolinas HealthCare System Provider Network Provider Inpatient Care Physician 75% after deductible 70% after deductible Inpatient Care Facility 70% after deductible 60% after deductible Health Plan Coverage

8 Get Informed with Your Benefits Tools and Resources Carolinas HealthCare System is providing you with a number of tools and resources to help you learn about the CHS LiveWELL Health Plan including: Special Opportunity for Teammates Earning Less Than $30,000 Teammates working 30 or more standard hours a week and earning less than $30,000 will receive additional HSA contributions of $100. The premiums for those teammates will also be reduced. Reaching Your Deductible and Out-of-Pocket Maximum The family deductible must be met by one or more enrolled family members before any individual is considered to have met their deductible. Your deductible, copays and coinsurance, including prescription medications, all apply to your out-ofpocket maximum. The online HSA tutorial The online Health Plan Cost Estimator tool The HSA User Guide for detailed information about the HSA feature of CHS LiveWELL Health Plan Visit the Benefits page on PeopleConnect for more information and to access all of the resources available to you. Your Total Health Matters! Dave With the CHS LiveWELL Health Plan I have more control and I contribute dollars to my HSA before taxes. It's my money! For Dave Eaker s full story and video, go to the Benefits page on PeopleConnect to learn more Dave Eaker Wellness Consultant CHS LiveWELL

9 Your Health Savings Account The health savings account (HSA) is designed to help you save for current and future healthcare-related expenses, such as your deductible, coinsurance, dental and vision expenses or prescription drugs. The HSA is a savings account set up in your name at Branch Bank & Trust (BB&T) that is funded by Carolinas HealthCare System and you, if you choose. Your Contributions You can contribute to your HSA on a pre-tax basis through convenient payroll contributions or on an after tax basis if you choose. You can make contributions to your account as long as the total contributions to your account for 2015 do not exceed $3,350 for Teammate Only coverage and $6,650 for all other coverage levels. These limits include contributions from you and Carolinas HealthCare System, so be sure to consider all contributions made by the System (annual contribution, matching contributions and CHS LiveWELL Incentive) before you elect how much you want to contribute. Unlike a traditional flexible spending account (FSA), you may change your HSA elections at any time. Federal rules also allow catch-up contributions to an HSA if you are age 55 or older, or you will turn 55 any time during For 2015, you can contribute an additional $1,000 to your account if you are eligible for the catch-up contribution. Contributions from Carolinas HealthCare System to Your Account To help you pay for your eligible healthcare expenses and save for future expenses, Carolinas HealthCare System makes annual and matching contributions to your HSA. In addition, any CHS LiveWELL Incentives you earn in 2015 will be deposited as a lump sum to the HSA in Annual Contribution To help fund your account, you will receive an annual contribution of: $100 for Teammate Only coverage $350 for all other Family coverage levels This annual contribution is deposited into your account the pay period following the pay period in which your coverage becomes effective, so you have dollars right away to spend on your eligible healthcare expenses. Matching Contribution If you choose to contribute to your HSA, Carolinas HealthCare System will make matching contributions up to: $250 for Teammate Only coverage $750 for all other Family coverage levels These matching contributions are made in installments throughout the year based on the contributions you make. CHS LiveWELL Incentive HSA Contribution CHS LiveWELL is one of the many investments Carolinas HealthCare System makes in your health by providing programs and resources that help make living well a reality. The maximum incentive for 2015 will be $750, which is consistent with national averages for programs of this type. This will allow us to continue supporting your good health while being mindful of healthcare costs for the System. If you earn the CHS LiveWELL incentive in 2015, up to $750 will be deposited into your HSA no later than the second regular paycheck of Your HSA Dollars Can Grow If you go several years without a significant inpatient or outpatient event, you can accumulate thousands of dollars in your HSA and pay less each year in out-of-pocket costs. Electing Voluntary Accident and Critical Illness insurance plan coverage can also help protect you from unexpected expenses. [6/7] Health Plan Coverage

10 Your Cost for Healthcare Coverage Working Spouse Rate If your covered spouse is eligible for medical coverage through his/her employer (not applicable if your spouse works for Carolinas HealthCare System), but you choose to enroll him/her in the CHS LiveWELL Health Plan, you must choose the Teammate + Working Spouse or Teammate, Working Spouse and Child(ren) coverage option. The rates for these options are higher, in order to offset the increased cost of covering spouses on the CHS LiveWELL Health Plan. Before you enroll in healthcare benefits, be sure to review all of the coverage your spouse has access to through his/ her employer. The decisions you make each day to address your own health needs enable you to provide the best care to our patients. Debra Plousha Moore Chief Human Resources Officer Executive Vice President CHS LiveWELL Health Plan Your Bi-Weekly Cost* for Coverage Medical Plan Option Full-Time Teammate** Non-Smoker/ Non-Tobacco User Smoker/ Tobacco User Part-Time Teammate*** Non-Smoker/ Non-Tobacco User Smoker/ Tobacco User Teammate Only $19.15 $22.02 $27.05 $31.10 Family Plans: Teammate + Spouse $ $ $ $ Teammate + Working Spouse $ $ $ $ Teammate + Child(ren) $ $ $ $ Teammate, Spouse and Child(ren) $ $ $ $ Teammate, Working Spouse and Child(ren) Plans for teammates earning less than $30,000: $ $ $ $ Teammate Only $9.00 $11.87 N/A N/A Teammate + Spouse $ $ N/A N/A Teammate + $ $ N/A N/A Working Spouse Teammate + Child(ren) $ $ N/A N/A Teammate, Spouse $ $ N/A N/A and Child(ren) Teammate, Working Spouse and Child(ren) $ $ N/A N/A *Deducted 26 times per calendar year (note: monthly teammates multiply premium by 26 and divide by 12). **Full-time premiums apply to teammates with standard hours of 30 or more per week (60 or more per pay period). ***Part-time premiums apply to teammates with standard hours of per week (48-59 per pay period). Smoker/Tobacco User Premium Surcharge The smoker/tobacco user health plan premium surcharge encourages you to make healthy decisions regarding tobacco use. This premium rate increase will only affect tobacco users (teammates and any covered dependents). If it is determined that you are not paying the appropriate health plan premium, you will be required to retroactively pay the smoker/tobacco user premium surcharge or the working spouse premium. Further disciplinary action may be taken as well. Resources for Smokers/ Tobacco Users Through CHS LiveWELL, you have access to resources and support that are designed to help you kick the tobacco habit for good. You also have access to prescription drug coverage through the CHS LiveWELL Health Plan to help you quit. Non-Smoker/Non-Tobacco User Certification By choosing the non-smoker/non-tobacco user coverage option, you certify that you nor your covered dependents smoke or use tobacco products, or are currently enrolled in a tobacco cessation program. If it is unreasonably difficult due to a medical condition, or if it is medically inadvisable, for you or anyone you cover to stop tobacco usage, please contact Benefits Administration at for assistance in developing another way to receive the non-smoker/non-tobacco user health plan rate.

11 Manage Your Costs by Accessing the Appropriate Care We all play a role in the quality and cost of the care we receive. By accessing the appropriate care resource, you can more effectively manage your healthcare costs without sacrificing quality. CHS On-Site Care CHS Virtual Visit 24/7 Nurse Advice Line Time Out for Prevention Smoking cessation classes CHS LiveWELL Teammate Injury Helpline CHS Back Pain Clinic [8/9] Health Plan Coverage Carolinas HealthCare System offers convenient access to care through CHS On-Site Care As a teammate, you know about the exceptional care and service we provide and you have access to both when you need it. Use any of the following On-Site Care locations for convenient and cost-effective care for the rapid onset of illness and injuries: Airport Center CMC-Pineville Carolinas Medical Center/ Levine Children s Hospital Campus CMC-NorthEast CMC-University CMC-Union CHS Virtual Visit CHS Virtual Visit gives teammates, spouses and their dependents located in North Carolina LIVE access to a Carolinas HealthCare System medical provider 24 hours a day, 7 days a week via mobile device, tablet, smart phone or computer. Go to PeopleConnect to learn more. Focus on Preventive Care Regular preventive care can help you stay well and catch problems early when they are most treatable. This is why the CHS LiveWELL Health Plan covers preventive care at 100%. More information about preventive care and a full preventive care schedule is available on PeopleConnect. Time Out for Prevention To ensure you have the time you need to take advantage of your preventive care benefits, we continue to offer Time Out for Prevention. Teammates have two hours of paid time off to use at any time during the year for completing routine, covered preventive care. Before using Time Out for Prevention be sure to discuss it with your manager and provide enough notice to ensure the appropriate time keeping code is recorded during your absence.

12 Prescription Drug Benefits When you enroll in the CHS LiveWELL Health Plan, you automatically receive comprehensive, flexible and valuable prescription drug coverage, which includes a Preventive Prescription Drug list that is covered at 100% by the plan. Retail Prescriptions When a physician prescribes a medication to treat a shortterm illness, you can get it filled at any pharmacy in the Catamaran Network but using a Carolinas HealthCare System pharmacy will provide the most savings. A full listing of network pharmacies is available online at CMC Rx Pharmacy The System has its own group of pharmacies, saving you money and time when you have prescriptions to fill. You will pay reduced copays when you use one of the following CMC Rx Pharmacy locations: CMC Rx Pharmacy Medical Center Plaza CMC Rx Pharmacy Morrocroft Medical Plaza CMC Rx Pharmacy NorthEast Gateway CMC Rx Pharmacy NorthEast Pavilion CMC Rx Pharmacy NorthCross CMC Rx Pharmacy Matthews Medical Plaza CMC Rx Pharmacy Steele Creek You will pay 100% of your prescription drug costs until your deductible is met. These costs can be paid from your HSA. If you use certain Preventive Prescription Drugs, the deductible may be waived. CarolinaCARE Prescription Mail Service The mail service pharmacy reduces your out-of-pocket expenses and the time you spend ordering and picking up prescriptions by allowing you to receive up to a 90- day supply of your medication. If you or your dependents take ongoing monthly maintenance medications, all of your prescriptions must be filled through the mail service at CarolinaCARE, or you will pay 100% of the cost. All prescription mail delivery services will be administered by CarolinaCARE. Ongoing maintenance medications may be filled at any retail pharmacy three times only (including CMC Rx Pharmacy). After your third fill at a retail pharmacy, you must pay the full cost of the medication if you are not using CarolinaCARE.

13 [10/11] Prescription Plan Features At-A-Glance CHS Provider Network Provider Prescription Drugs Retail CMC Rx Pharmacies Other Area Pharmacies Affordable Care Act (ACA) Preventive Drugs 1 $0 copay $0 copay PRESCRIPTION COVERAGE Preventive Generic 1 $4 copay $15 copay Other Generic 1 deductible then $10 copay deductible then $15 copay Preferred Brand 1 deductible then 25% coinsurance; not less than $35 or more than $45 deductible then 30% coinsurance; not less than $35 or more than $100 Non-preferred Brand 1 deductible then 40% coinsurance; not less than $50 or more than $150 deductible then 50% coinsurance; not less than $60 or more than $250 Specialty Drugs 2 (self-injectibles intended to be administered at home, oral chemotherapeutic drugs and infertility treatments) deductible then 20% coinsurance; not more than $125 N/A Prescription Drugs Mail Service CarolinaCARE (30-day supply) CarolinaCARE (90-day supply) Affordable Care Act (ACA) Preventive Drugs $0 copay $0 copay Preventive Generic $4 copay $12 copay Other Generic deductible then $10 copay deductible then $25 copay Preferred Brand deductible then $35 copay deductible then $85 copay Non-preferred Brand deductible then 40% coinsurance; not less than $50 or more than $150 deductible then 40% coinsurance; not less than $125 or more than $375 Specialty Drugs (self-injectibles intended to be administered at home, oral chemotherapeutic drugs and infertility treatments) deductible then 20% coinsurance; not more than $125 N/A 1 Maximum of three fills allowed at retail for maintenance medications. Plan requires transition to mail service or member will pay full cost. 2 Maximum of three fills for specialty drugs allowed at a Carolinas Medical Center Rx pharmacy, then mail service is required. Some exceptions may apply to limited distribution drugs.

14 Managing Your Costs using flexible spending accounts No one wants to get sick or hurt. Being prepared can ensure you and your family are better able to manage the financial challenges brought on by medical bills. To help you prepare, Carolinas HealthCare System provides several options designed to help you save for future healthcare expenses through a health savings account (HSA) and flexible spending accounts (FSAs). Electing Voluntary Accident and Critical Illness insurance plan coverage can also help protect you from unexpected expenses. We also have flexible spending account options to help you manage costs with a Dependent Daycare FSA. If you are enrolled in CHS LiveWELL HEALTH PLAN, you may enroll in the LFSA in addition to the HSA. The LFSA can be used for dental and vision expenses only. Even if you choose not to participate in the CHS LiveWELL Health Plan, you can still take advantage of a healthcare flexible spending account. Limited Purpose FSA (LFSA) If you enroll in CHS LiveWELL Health Plan, you have access to a health savings account (HSA) to help you save for current and future healthcarerelated expenses. Additionally, you can participate in the Limited Purpose FSA (LFSA), to set aside additional pre-tax dollars (up to $2,500) to cover eligible dental and vision expenses. Healthcare FSA (HCFSA) If you or your eligible dependents are not covered under the CHS LiveWELL Health Plan you are eligible to make contributions to the HCFSA. Use the money in your HCFSA to pay for eligible expenses for yourself or anyone you claim as a dependent on your income tax return Eligible expenses are medical, prescriptions, dental and vision charges not fully covered by other benefits or insurance Your annual election is deducted from each pay in equal amounts The entire amount of your annual election is available, whether or not the funds have fully accumulated in your account HCFSA will not be offered in 2016; we will not offer a grace period in 2015 for remaining funds Expenses must be incurred on or after your effective date of coverage during the plan year You decide how much you want to contribute to your HCFSA up to the maximum contribution for 2015, $2,500 For more details about the HCFSA and eligible expenses, visit p502.pdf. Dependent Daycare Flexible Spending Account (DCFSA) You can use the DCFSA to pay expenses for any eligible, work-related dependent daycare expenses you incur such as licensed daycare centers for children or dependent parents or spouses, summer day camps, nursery schools or afterschool care. Unlike the HCFSA, your funds must be in your DCFSA before they can be reimbursed. Eligible dependents include: Children under age 13 Disabled dependents of any age who live with you more than eight hours per day, whom you claim on your tax return and who are enrolled in an eligible daycare Controlling Costs by Being a Good Healthcare Consumer We all play a role in our healthcare costs. Being an active healthcare consumer means knowing the cost of your care and making informed benefit decisions. There are many tools and resources available to help you achieve this, such as: CHS On-Site Care CHS Virtual Visit Nurse Advice Line CHS Back Pain Clinic Teammate Injury Helpline Employee Assistance Program (EAP) Online enrollment support and education tools Financial Health Support budgeting and retirement planning sessions

15 [12/13] Annual Election You can contribute up to $5,000 ($2,500 if married, filing separately) to your DCFSA for This limit may change if: You are considered a highly compensated teammate, the limit is subject to reductions based on IRS discrimination testing results Both you and your spouse contribute to a DCFSA, only $5,000 combined is allowed, based on IRS guidelines Using Your HSA and FSAs Carolinas HealthCare System partners with Stanley Hunt Dupree & Rhine (SHDR), a division of Branch Bank & Trust (BB&T), to administer all HSAs and FSAs, making it easy to access your account information in one place. If you enroll in an FSA or an HSA for 2015, you will receive a Benefit Access Card, which is loaded with the funds from all of your accounts (or if already enrolled, your current card will automatically be loaded). You can easily track, manage and pay for eligible expenses by accessing your account online at carolinashealthcare. BENEFIT ACCESS CARD BENEFIT ACCESS C A R D BENEFIT EFIT BENEFIT ACCESS C A R D BENEFIT BENEFIT ACCESS CARD Healthcare/Dependent Daycare FSA, BENEFIT ACCESS C A R D BENEFIT BENEFIT Limited ACCESS FSA and CARD HSA BENEFIT ACCESS CARD BENEFIT ACCESS CARD BENEFIT ACCESS CARD BENEFIT ACCESS CARD BENEFIT ACCESS CARD BENEFIT ACCESS CARD BENEFIT ACCESS CARD BENEFIT ACCESS CARD BENEFIT ACCESS C A R D BENEFIT BENEFIT ACCESS C A R D BENEFIT BENEFIT ACCESS C A R D BENEFIT The Federal Child and Dependent Daycare Credit FLEXIBLE SPENDING ACCOUNTS Both the DCFSA and the federal tax credit for child and dependent care offer you tax savings on dependent care expenses. However, you may not take advantage of both. That is why it is important to determine which is right for you, and which will provide the greatest tax benefit in Consult a qualified tax advisor to make your choice.

16 Dental Plan Overall good health includes taking care of your oral health. Delta Dental, the provider and administrator for the Dental Plan, gives you expanded network coverage and great service. Dental Plan Features At-A-Glance Plan Feature Benefits Calendar Year Maximum (Class I, II, III Expenses) $1,200 per person 1,2 Calendar Year Deductible Class I Expenses Preventive & Diagnostic Care Certain restrictions apply Oral exams Cleanings Full mouth X-rays Bitewing X-rays Panoramic X-rays Fluoride application Sealants Space maintainers Emergency care to relieve pain Class II Expenses Basic Restorative Care Fillings Root canal therapy Osseous surgery Periodontal scaling and root planing Denture adjustments and repairs Extractions Anesthetics Oral surgery Class III Expenses Major Restorative Care Crowns, dentures, bridges, implants Class IV Expenses Orthodontia (Teammate & Dependents) Pretreatment Review Individual $50 per person Aggregate Family Maximum $150 per family 100%, no deductible, does not apply to coverage maximum Reasonable and customary limits apply to out-of-network 80% after deductible Reasonable and customary limits apply to out-of-network 50% after deductible Reasonable and customary limits apply to out-of-network 50% after deductible $1,500 per person lifetime maximum Reasonable and customary limits apply to out-of-network Available on a voluntary basis when extensive dental work in excess of $200 is proposed 1 Once calendar year maximum is met, any additional dental services are paid out-of-pocket for the remainder of the plan year. 2 If you received preventive care in 2015, the wellness care benefit you earned will carry over and an additional $100 will be added to your Carolinas HealthCare System Dental Plan annual limit in 2016, up to a maximum of $2,000. Teammate Bi-Weekly Cost for Coverage Coverage Level Full-Time** Part-Time*** Teammate Only $9.02 $11.46 Family Plans: Teammate + Spouse $23.81 $30.24 Teammate + Child(ren) $29.57 $37.56 Teammate, Spouse and Child(ren) $41.93 $53.25 Deducted 26 times per calendar year (note: monthly teammates multiply premium by 26 and divide by 12). **Full-time premiums apply to teammates with standard hours of 30 or more per week (60 or more per pay period). ***Part-time premiums apply to teammates with standard hours of per week (48-59 per pay period).

17 Vision Plan [14/15] The Community Eye Care Vision Plan is an important component of the benefits program because it makes routine vision care affordable and convenient. In-Network Vision Benefits The Community Eye Care Vision Plan includes comprehensive coverage for you and your family. Some key parts of the plan include: A network of providers (care must be received from an in-network provider) An annual eye exam Up to $200 for eyewear frames, lenses and contact lenses without an office charge 20% discount on glasses (frames and/or lenses) and 10% discount on contact lenses for any amount over the $200 allowance $0 copay for contact lens fittings new patients or changes in lens type (does not apply to annual contact lens evaluation) Access to more than 200 in-network doctors in the Carolinas HealthCare System area, offering substantial savings on your vision care No claims to file No ID cards are issued or required at your visit DENTAL & VISION COVERAGE Bi-Weekly Teammate Premiums* Coverage Level Full-Time** Part-Time*** Teammate only $5.75 $5.75 Teammate + one dependent $10.97 $10.97 Teammate + family $16.43 $16.43 *Deducted 26 times per calendar year (note: monthly employees multiply premium by 26 and divide by 12). **Full-time premiums apply to teammates with standard hours of 30 or more per week (60 or more per pay period). ***Part-time premiums apply to teammates with standard hours of per week (if grandfathered), 24 standard hours per week if non-grandfathered (48-59 per pay period). Limited Out-of-Network Vision Benefits Use of out-of-network providers limits your benefit coverage and can be accessed only once per plan year. For more information or for an out-of-network claim form, contact Community Eye Care at or Remember, your Community Eye Care Member ID Number is your 6-digit employee ID number plus the last 4 digits of your Social Security number.

18 LIFE AND DISABILITY BENEFITS Benefits for Teammates Working 30 or more Standard Hours Per Week Group Term Life Insurance Carolinas HealthCare System provides Group Term Life to each eligible teammate at no cost after completing 90 days of continuous service. Teammates whose standard hours are 30 or more per week receive group life insurance coverage at 1-1/2 times their annual base salary (based on rate of pay and standard hours of work), rounded up to the next $1,000, up to a maximum of $300,000. Disability Short Term Disability Carolinas HealthCare System provides eligible teammates a Short Term Disability (STD) plan that pays benefits in the event a teammate s illness extends beyond 14 calendar days. Benefits are paid until the earlier of the teammate s recovery from disability or through the 180th calendar day of disability. This coverage is provided at no cost and you are automatically enrolled after completing 90 days of continuous service. Short Term Disability Buy-Up Option The STD program has a 14-day waiting period before the plan pays benefits. Teammates can use Paid Time Off (PTO) during the 14-day waiting period when away from work due to an illness or injury. To shorten the waiting period, teammates may elect to purchase the STD Buy-Up policy that shortens the 14-day waiting period to seven days. Teammates can enroll and purchase the STD Buy-Up policy during their initial benefits enrollment. If a teammate chooses not to enroll in the STD Buy-Up policy during their initial benefits enrollment, future enrollment may require a health questionnaire to qualify. Long Term Disability If an illness or injury prevents a teammate from returning to work beyond the 180-day elimination period, he/she may be eligible for Long Term Disability benefits. Teammates who complete 90 days of continuous service are automatically enrolled in this plan. This coverage is provided at no cost to eligible teammates. Disability benefits are subject to pre-existing condition clauses. Please see the Disability Plans Booklet located on PeopleConnect for plan details. Supplemental Life and Accidental Death & Dismemberment (AD&D) Coverage Teammates whose standard hours are 16 or more can purchase Supplemental Life and AD&D Insurance in increments of 1 times your annual base earnings up to 5 times your annual base earnings. As a newly eligible teammate, you will not have to answer any health questions to qualify for this coverage. The maximum amount you can purchase cannot be more than the lesser of 5 times your annual base earnings or $1,000,000. Your Voluntary Benefits Providing valuable healthcare plans to choose from is important. Carolinas HealthCare System also understands the need for economic security and taking care of your financial health. That is why we offer a comprehensive Total Rewards program that includes income protection benefits that meet the needs of our diverse workforce when the unexpected in life happens. Voluntary benefits are available to teammates with standard hours of at least 16 per week. Call or go to

19 YOUR VOLUNTARY BENEFITS [16/17] Carolinas HealthCare System partners with you to take care of your Total Health physical, financial and personal including your unique and pressing individual and family needs. In addition to the core benefits provided in the CHS LiveWELL Health Plan, we provide you convenient access to cost-effective group rates on a wide range of voluntary benefits. These voluntary benefits are offered through pre-negotiated group rates. There is a high probability it will cost you more if you seek coverage on your own for voluntary benefits. Voluntary benefits are available to teammates with at least 16 standard hours per week. This information provides a high-level overview of the voluntary benefits available to you and your family. For additional details on each benefit, visit the Benefits website at Start planning for your healthy future, today. Carolinas HealthCare System provides an easy and convenient voluntary benefits enrollment process. We are able to provide comprehensive, competitive and affordable voluntary benefit options, as well as offer one-on-one enrollment sessions over the phone with a professional benefits counselor. The benefits counselors can assist you with your questions about the voluntary benefits offered by Carolinas HealthCare System and will take your enrollment elections. LIFE AND DISABILITY & Voluntary benefits Voluntary Benefits Included in Carolinas Healthcare System Total Rewards: Accident Insurance Critical Illness Insurance Home/Auto Insurance Long-term Care Plan Identity Theft Plan Legal Plan Short-term Disability Plan Whole Life Insurance Dependent Back-up Care Program Eligibility If you are unsure if you qualify for these benefits, refer to the Carolinas HealthCare System Benefits Eligibility communication, available on PeopleConnect. How To Enroll You have 31 days to enroll from your date of hire or from the date you become benefits eligible. To enroll in the voluntary benefits described in this brochure, simply call the number below and speak with a Univers benefits counselor. Please call and speak with a Univers benefits counselor to enroll or waive coverage, or to find out more about when you may change your voluntary benefit options Monday - Friday, 9am - 6pm, ET Remember, a benefits counselor can answer your questions and help you select the voluntary benefits that make the most sense for you and your family. Before you call, be prepared with the names, Social Security numbers and birth dates of your eligible dependents, as this information will be required.

20 Accident And Critical Illness Insurance Complements to Your Health Plan Accident and Critical Illness Insurance may help absorb the deductibles and other out-of-pocket costs that arise when a severe illness or injury strikes. These plans are compatible with health savings accounts. ACCIDENT INSURANCE Accidents happen. You cannot always prevent them, but you can take steps to reduce the financial impact. Accident Insurance is designed to help cover the out-of-pocket medical expenses and extra bills that can follow an accident. The plan pays benefits for injuries and accident-related expenses, such as fractures and dislocations, hospitalization, physical therapy, emergency room treatment, transportation, lodging and more. The policy pays a benefit directly to you not a doctor or hospital and you can use the money however you choose. Benefit amounts are based on the type of injury and treatment needed. Why do I need accident insurance? Nearly 40% of self-reported episodes of injury leading to hospitalization, occur during sports or leisure activities, and 44% occurred in or around the home* Falls are the leading cause of inpatient and outpatient care in emergency rooms, outpatient clinics and doctors offices* Injuries due to traffic accidents, overexertion and strenuous movements and striking against or being struck accidentally by objects, also make up a big percentage of injuries* * National Center for Health Statistics Coverage Level Biweekly Premium Monthly Premium Teammate Only $7.44 $16.12 Teammate + Spouse $10.64 $23.05 Teammate + Child(ren) $14.16 $30.68 Teammate, Spouse + Child(ren) $17.36 $37.61 Premiums set-up based on your pay cycle. CRITICAL ILLNESS INSURANCE The out-of-pocket costs of a serious illness can be catastrophic, even with medical insurance. Critical Illness Insurance helps provide income protection in the event of a covered serious illness. The policy pays a lump sum benefit directly to you if you are diagnosed with a covered condition. You can use this benefit any way you choose to pay deductibles and coinsurance, expenses your family incurs to be by your side or simply to replace lost earnings from being out of work. You choose the benefit amount when you enroll. Covered illnesses include: Heart Attack Stroke Major Organ Transplant End Stage Renal Failure Coronary Artery Bypass Surgery Carcinoma in Situ Cancer Plan features: Rates vary by plan and coverage. Family coverage is available. Children are covered at NO COST for 25% of the benefit amount you select. A benefits counselor can assist with options and costs A Wellness Benefit is included for you and your spouse, which pays an annual benefit if a covered health screening test is performed (blood tests, stress tests, colonoscopies, chest X-rays, mammograms, etc.) Coverage is portable you can take your policy with you if you change jobs or retire The policies and their provisions may vary or be unavailable in some states. The policies may have exclusions and limitations which may affect any benefits payable. See the actual policy for specific provisions and details. During this enrollment period, many of the voluntary benefits may have coverage levels or options that do not require you to answer health questions.

21 HOME/AUTO INSURANCE [18/19] You have access to policies for your auto, home and other personal insurance needs. Additional discounts, such as tenure, multi-car, multi-policy, garaging and more, may also be available. You have the added convenience of paying your premiums through payroll deduction. IDENTITY THEFT Carolinas HealthCare System offers teammates comprehensive, proactive identity monitoring. The Identity Theft Program uses innovative technology and data sources to protect against the impacts of identity fraud, alerting you at the earliest possible moment. Teammates and dependents can receive identity protection that includes: Identity Monitoring Internet Surveillance Digital Identity WalletArmor Credit Identity Monitoring Voluntary Benefits For a low cost, you can get the protection you need for yourself and your eligible dependents. It is more important now, than ever before, to protect your identity. Coverage Level Biweekly Premium Monthly Premium Teammate + Dependents $3.67 $7.95 LEGAL PLAN Affordable legal assistance can sometimes be difficult to find. With the Legal Plan, you have access to comprehensive legal assistance, advice and discounted representation on many different legal services, including divorce, child custody, traffic tickets, wills and much more! The cost for the plan covers you and your eligible dependents. Coverage Level Biweekly Premium Monthly Premium Teammate + Dependents $7.36 $15.95 The policies and their provisions may vary or be unavailable in some states. The policies may have exclusions and limitations which may affect any benefits payable. See the actual policy for specific provisions and details. During this enrollment period, many of the voluntary benefits may have coverage levels or options that do not require you to answer health questions.

22 LONG-TERM CARE INSURANCE Long-term Care can place an enormous emotional and physical strain on loved ones and family members. Long-term Care Insurance offsets expenses such as home health care, assisted living and nursing home costs. Coverage for this type of care is typically not covered by health insurance, Medicare or disability programs. It is important to note that the need for Long-term Care services can occur at any time, due to illness or accident. The time to plan is now, which is why we are offering you the opportunity to enroll in the Carolinas HealthCare System voluntary Long-term Care Insurance program with discounted rates for you, your spouse and your immediate family members. Incorporating Long-term Care Insurance into your financial plan can help protect your family s financial future. It can also help reduce the burden on family members who may provide care or facilitate care in the chosen setting, including your home. What Is Long-term Care? Long-term Care is personal care or supervision needed by people of all ages for an extended period of time. While it is often associated with the effects of aging, it may be needed at any time due to an accident or illness. Long-term Care Insurance offers benefits for services including: Home health care Assisted living facilities Nursing home care Adult day care As a valued teammate, you and your family members have access to a plan which includes: Discounted Rates A comprehensive Long-term Care benefit covering care within your home or in a facility An additional 30% discount if you and your spouse apply for coverage together The convenience of payroll deducted premiums SHORT-TERM DISABILITY (STD) If a disability kept you out of work and prevented you from earning a paycheck, how would you cover your bills and other household expenses? Short-term Disability helps replace a portion of your income if a covered off-the-job injury or illness keeps you out of work. The benefit can help cover out-of-pocket expenses and make up for lost wages during a time of need. After you are declared disabled, STD can provide you with a benefit from 30% to 60% of your salary, depending on the state in which you live, up to a maximum of $3,000 per month. You select the coverage level that best fits your needs. This voluntary Short-term Disability plan is available to any teammate with standard hours of (and to physicians with standard hours of 20 or more), who are not eligible for the Short-term Disability plan provided by Carolinas HealthCare System. Cost varies based on coverage elected. A benefits counselor can assist with options and costs. For teammates eligible for the company-paid STD plan provided by Carolinas HealthCare System During your enrollment, you have the opportunity to elect a 7-Day Buy-up option. The waiting period to receive benefit payments is reduced from 14 days to 7 days when you are approved for disability benefits. You can elect this buy-up option online when enrolling in the CHS LiveWELL Health Plan. Keep in mind as you consider this option: During this enrollment period, no health questions will be asked; future enrollment may require evidence of good health to qualify The policies and their provisions may vary or be unavailable in some states. The policies may have exclusions and limitations which may affect any benefits payable. See the actual policy for specific provisions and details. During this enrollment period, many of the voluntary benefits may have coverage levels or options that do not require you to answer health questions.

23 WHOLE LIFE INSURANCE [20/21] Can your family maintain their lifestyle without you? Whole Life Insurance helps ensure they can. Whole Life Insurance is an individual insurance policy designed to provide a death benefit to your beneficiaries if something should happen to you. It can also build cash value that you can utilize while you are still living. At an affordable premium, you can have the added financial protection you and your family may need during times of uncertainty. If you already have life insurance, you may want to consider whether your current coverage will meet your family s needs. Plan features: You can purchase coverage for yourself, your spouse, your children and/or your grandchildren Whole Life Insurance is voluntary, which means you purchase the precise amount of coverage that is right for your needs The benefit is Guaranteed Issue, so no physical exams are required to apply for coverage up to a certain amount As the policy builds cash value, you can eventually use it to make premium payments or to pay urgent expenses while you are still living Coverage is portable you can take your policy with you if you change jobs or retire You may update beneficiaries at any time Choose a Plan for a Lifetime Whole Life Insurance is known as permanent insurance, because it never expires. You keep the policy as long as you make the payments, which means the premiums will not go up. Lock in a lower premium NOW and save thousands of dollars in the future! Cost varies based on coverage elected. A benefits counselor can assist with options and costs. Voluntary Benefits DEPENDENT BACK-UP CARE PROGRAM The Dependent Back-up Care Program helps you balance the demands of life and work while caring for a dependent. Do you have other care available if an emergency arises or regular care arrangements are not available? You can use this Back-up Care Program to arrange care for a child or dependent adult. Here are just a few examples of times when the program could help you: Evening and weekend in-home care School holidays or weather emergencies Caregiver vacations or illnesses Business travel In-home care after minor surgery The program provides access to: Up to 15 days of care Savings on care expenses Access to trained care consultants Coverage Level Biweekly Premium Monthly Premium Teammate Only $5.00 $10.83 When you request care services, you receive discounted rates based on the number of dependents who require care. The policies and their provisions may vary or be unavailable in some states. The policies may have exclusions and limitations which may affect any benefits payable. See the actual policy for specific provisions and details. During this enrollment period, many of the voluntary benefits may have coverage levels or options that do not require you to answer health questions.