BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU

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1 zz BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU

2 MESSAGE FROM THE PRESIDENT/CEO NABIL EL SANADI, MD, MBA, FACEP, FACHE LET S INVEST, HEALTH IS YOUR FIRST WEALTH! We are excited to announce Broward Health s annual Benefits Open Enrollment scheduled for October 26th through November 6th, Broward Health employee benefits program supports our workforce recruitment and retention strategy and continues to provide an array of innovative, robust, competitive resources to assist you in the achieving optimal health and wellness. As Care Warriors, we continue to provide excellent quality healthcare services to our community. In pursuing this mission, it is important that we focus on developing and maintaining our own healthy behaviors and lifestyles. One new and exciting resource that has become a best practice for industry leaders is the Employee Health Risk Assessment. To enhance your personal health, Broward Health will be offering employees this voluntary online confidential health risk assessment which will provide every employee the opportunity to develop a personalized confidential health plan and offer wellness recommendations. Join us on the journey to a healthier Broward Health. INDEX Page 2 Overview of Plan Changes Risk Health Assessment & Navigation Confidentiality Page 3 Broward Health Wellness Programs Smoke Free Initiatives Page 4 Medical Benefit Plan Premium Rates Page 5-6 Dental, Vision and Short/Long Term Disability Life Insurance Page 7 Tuition Reinbursemen Flexible Spending Accounts Page 8 Other Benefit: Flu Vaccine Page 9 Employee Self-Service Process & Navigation KEY POINTS ABOUT OPEN ENROLLMENT 2016 Eligible Employees, spouses, dependents up to age 26, and domestic partners. Option to change the tax treatment of your health plan deductions Your benefit elections are effective January 1, 2016 with payroll deductions effective January 14, 2016 Confidential Health Risk Assessment Broward Health is proud to provide employee partners with medical, pharmacy, dental, vision and wellness programs designed to encourage a healthier lifestyle. While saving on bi-weekly premiums and any other contributions are meaningful, even more so are the participants positive changes in lifestyle that have made them feel better and more aware of their health risks. At Broward Health, our goal is to keep our Care Warriors in the best state of health and wellness. For this reason, in 2016 we are adding a new feature a voluntary, confidential, health risk assessment to assist you in your quest to stay healthy. An annual health assessment can help identify personal risk factors. Once completed, employees will receive a personalized report highlighting their current health status that they can share with their Physician. Broward Health does not have access to individual health data. Broward Health will aggregate data from the appraisal to understand the overall health trends of our employees and in turn provide enhanced health and wellness services to better meet your health needs. Aetna and Cigna protect all health assessment data through secure processes, procedures and protocols to ensure confidentiality. Aetna and Best Choice Plus health specialists can support health risk reduction through wellness interventions. For those employees who complete an assessment by March 31, 2016, Broward Health will provide you a $50 wellness incentive for your efforts on June 16, To take your health risk assessment, go to the intranet Benefits page and see instructions below; however, first time users will need to register for an account by creating a user name and password: Aetna: Go to Aetna s homepage at by clicking the image below, log in, and click the link in the blue box on the left hand side of the page marked Take a Health Assessment. On the next page (your Health Dashboard ), click on the blue link in the Health Assessment box, marked Launch My Health Assessment. If you have previously taken the online health assessment, you can either click on Start New or Update Current. For Technical Support contact Aetna at Best Choice Plus: Go to mycareallies.com by clicking the image below, click on I need to register and complete the registration process. Select the Take My Health Assessment link and you will be transferred to the my health & wellness homepage where you can begin the assessment. For Technical Support contact TCA at

3 BROWARD HEALTH WELLNESS PROGRAMS Broward Health has been a smoke free hospital system since January Tobacco is the single greatest cause of disease and premature death in America today. The 2016 health and wellness initiatives will continue to offer smoking cessation classes and resources to employees and family members. If you want to be smoke-free as you journey to wellness, information and resources on smoking cessation are available. Please contact the Employee Assistance Program at EAP. Broward Health provides for a medical premium rate for enrolled employees and their spouse/domestic partners who use tobacco and tobacco products. In order to determine which rate will apply to your medical coverage, all employees enrolled or planning to enroll in a Broward Health medical plan are required to complete an attestation form certifying whether or not they and/or their spouse/domestic partner smoke or use other forms of tobacco. The rate difference for an impacted employee or their spouse/domestic partner is an additional $23.07 per person on a bi-weekly basis for an annualized total cost of $600 per person. Employees do not need to complete a new attestation unless they or their spouse/domestic partner s status has changed. If it is reasonably difficult due to a medical condition for you or your spouse/domestic partner to achieve the standards for the non-tobacco medical premium under this program, or if it is medically inadvisable for you or your spouse/domestic partner to attempt to achieve the standards for the non-tobacco medical premium under this program, call the EAP department at and BH will work with you to develop another way to qualify. NUTRITION RESOURCES WELLNESS CENTERS SEMINARS Regional medical centers offer healthy eating options. Nutritional information posted on food choices support wellness and weight management. Wellness centers on site at BHMC and BHIP offer convenient and affordable access fitness centers. Seminars and health education offered by the Employee Assistance Program and Employee Health Services on health and wellness topics including, Mind-body wellness issues, financial topics, stress management, child and eldercare information. NON TOBACCO MEDICAL PREMIUM RATES As your employer, Broward Health pays the majority of the premium costs associated with many of your benefits. Therefore, your out-of-pocket expenses are substantially lower. The following rate sheets are the Benefits at a Glance which identify your costs per pay cycle. a BEST CHOICE PLUS Per Pay Cycle Full Time Per Pay Cycle Part Time (Preferred Provider Organization) PPO Employee $55.74 $97.54 Employee & Spouse/Domestic Partner $ $ Employee & Children $89.54 $ Family/ Domestic Partner $ $ The Best Choice Plus plan is owned by Broward Health and utilizes the services of our four hospitals and our internal physician network. Inpatient hospital benefits are paid at 100% after $100 per-confinement co-pay and outpatient surgery is paid at 100% after $50 co-pay. ER is covered at 100% after $50 co-pay. Services are paid at 100% after a $5 lab co-pay, a $10 radiology/diagnostic co-pay or a $5 rehab co-pay. Out-of-network benefits are paid at 60% of allowable, subject to co-pays and deductibles. Pre-certification is required for hospital admissions. Specialist referrals and diagnostic authorizations are not required. The physician office co-pay is $20. RX co-pays are $10 generic/$25 brand formulary/$40 brand nonformulary/$50 specialty. RX mail order is available. The in-network out-of-pocket maximum is $2, for individual coverage and $4, for family coverage. AETNA Select (Open Access) Per Pay Cycle Full Time Per Pay Cycle Part Time (Exclusive Provider Organization) EPO Employee $68.68 $ Employee & Spouse/ Domestic Partner $ $ Employee & Children $ $ Family/ Domestic Partner $ $ PREVENTATIVE CARE EMPLOYEE HEALTH EMPLOYEE ASSISTANCE PROGRAM TOBACCO FREE/HEALTHY LIFESTYLE HEALTH RISK ASSESSMENT Free preventative care for all employees and covered dependents enrolled in medical coverage. Regional Employee Health Centers offer free vaccines, health screenings, wellness information and education for healthy living and disease prevention. Confidential assessment, referral and counseling services for all employees and benefit eligible family members. Licensed professional staff offer a broad array of clinical and work-life services including coaching, consultations and wellness resources. Contact EAP for information regarding free sessions at EAP. Medical Insurance Wellness program providing for discounted premiums for employees and spouses/partners that do not utilize tobacco products. Quit Smoking cessation programs available at various locations. Rx available at no cost through prescription coverage. On-line screening tool designed to assist in to identify personal health risks and develop a plan for healthier living. Aetna provides nationwide coverage at in-network providers and facilities. Inpatient hospital benefits are paid at 100% after $750 per-confinement co-pay and Outpatient surgery is paid at 100% after $350 co-pay. However, a discount is provided for using Broward Health facilities such that Inpatient hospital benefits are paid at 100% after $250 per-confinement co-pay and Outpatient surgery is paid at 100% after $100 co-pay. ER is covered at 100% after $100 co-pay. Diagnostic, lab and radiology services are paid at 90% of the negotiated fee after the plan deductible has been met. There is no out-of-network benefit except for emergencies. Pre-certification is required for hospital admissions. Specialist referrals and diagnostic authorizations are not required. The primary care/mental health physician office visit co-pay is $20 and the specialist co-pay is $30. RX co-pays are $10 generic/$30 brand formulary/$50 brand non-formulary/$75 specialty. Rx mail order is available. The in-network out-of-pocket maximum is $2, for individual coverage and $5, for family coverage. Best Choice Plus and Aetna EPO members have the option of filling their specialty prescriptions at Broward Health Medical Center s Outpatient Pharmacy subject to prior authorization review. Members who fill their specialty prescription at Broward Health Medical Center s Outpatient Pharmacy will incur a $10 co-pay. However members may continue to utilize the Specialty Mail order program and incur a $50 co-pay for Best Choice Plus or $75 copay for Aetna.

4 AETNA Choice (POS II) (High Deductible Health Plan) HDHP Per Pay Cycle Full Time Per Pay Cycle Part Time Employee $12.72 $54.52 Employee & Spouse/ Domestic Partner $38.01 $ Employee & Children $23.71 $89.80 Family/ Domestic Partner $59.62 $ Aetna provides nationwide coverage. This plan allows you to use an in-network provider or an out-of-network provider. In-network hospital benefits are paid at 80% of the negotiated fee after the deductible is met and out-of-network inpatient hospital benefits are paid at 60% of the reasonable and customary rate after the deductible is met. The in-network individual deductible of $1, and the family deductible of $3, must be met before any claims (including RXs) are paid; except for preventive care. Pre-certification is required for hospital admissions; however, specialist referrals and diagnostic authorizations are not required. For in-network non-routine office visits, the physician office visit is 20% of the negotiated fee after the deductible is met. Preventive care is paid at 100% and deductible is waived. In-network RX co-pays are 20% of negotiated fee after the deductible is met; except for certain chronic and preventive medicines for which the deductible is waived. The in-network out-of-pocket maximum is $5, for individual coverage and $6, for family coverage. There are additional out-of-network deductibles and out-of-pocket maximums. Employees may enroll in a Health Savings Account to set aside pre-tax dollars for medical services. DENTAL RELIANCE STANDARD DENTAL PPO Per Pay Cycle Full Time Per Pay Cycle Part Time Employee $4.66 $7.21 Employee & Spouse/ Domestic Partner $9.68 $14.99 Employee & Children $9.07 $14.04 Family/ Domestic Partner $15.38 $23.81 The Reliance Standard dental plan offers in-network and out-of-network benefits. In-network the plan pays 100% for cleanings and x-rays with no deductible required. Other in-network dental services are paid at 50%-80% of the contract allowance rate after a $50.00 deductible. SAFEGUARD DENTAL HMO Per Pay Cycle Full Time Per Pay Cycle Part Time Employee $3.59 $5.56 Employee & Spouse/ Domestic Partner $6.82 $10.56 Employee & Children $6.46 $10.00 Family/ Domestic Partner $7.95 $12.31 The Safeguard dental plan provides dental coverage for in-network claims only. There are no yearly maximums or deductibles. VISION RELIANCE STANDARD VISION PPO Per Pay Cycle Full Time Per Pay Cycle Part Time Employee $0.89 $1.33 Employee & Spouse/ Domestic Partner $1.75 $2.63 Employee & Children $1.59 $2.39 Family/ Domestic Partner $2.46 $3.68 The Reliance Standard vision plan offers in-network and out-of-network benefits with access to private practice optometrists and national brand optical retailers. The annual vision exam co-pay is $ VOLUNTARY SHORT TERM DISABILITY This benefit provides an opportunity for eligible employees to purchase short-term disability coverage for up to 60% of basic weekly earnings; subject to pre-existing condition limitation. This is a Voluntary Program offered by Reliance Standard. Program features include: 29 day elimination period, payments up to 22 weeks and $3, maximum weekly benefit. The cost per $ of salary is 86 cents. For an employee earning $25, per year, the employee s bi-weekly payroll deduction will be: $8.27. VOLUNTARY LONG TERM DISABILITY This benefit provides an opportunity for eligible employees to purchase long term disability coverage for up to 60% of basic monthly earnings; subject to pre-existing condition limitation. Disability payments start after 180 days and continue until you are able to return to work or up to your Social Security Normal Retirement Age if you remain disabled. This is a Voluntary Program offered by Reliance Standard. The maximum monthly staff benefit is $8,000. Physicians and management are subject to other benefit provisions. Broward Health pays 50% of the cost for this insurance plan; however, ½ of the disability payment will be taxed due to Broward Health s contribution towards this benefit. The cost per $ of salary is 82 cents. For an employee earning $25, per year, the employee s bi-weekly payroll deduction will be: $3.94. VOLUNTARY SUPPLEMENTAL TERM LIFE INSURANCE This benefit provides an opportunity for eligible employees to purchase additional life insurance coverage for themselves and/or dependents/domestic partners. Policies are initiated for employees and dependents according to age limitations of the life insurance product and medical insurability. This voluntary program is offered by Reliance Standard. Broward Health provides basic life insurance at no cost to employees (1 x annual salary). A detailed enrollment kit will be mailed to the employee s home address and also be available for pickup in HR Departments. This special enrollment ends November 20, 2015.

5 TUITION REIMBURSEMENT Broward Health provides this benefit to employees to pursue voluntary health care related degree and certificate programs at not-for-profit accredited institutions. Approved certificate programs are reimbursed up to $500 on a calendar year basis. Degree programs are reimbursed up to $5,000 on a calendar year basis within the following guidelines: associate degree is reimbursed up to $105 per credit hour, bachelor degree up to $200 per credit hour and master degree up to $370 per credit hour. Additional tuition reimbursement support for specific health science courses may be available through a Broward Health /Broward College scholarship. The Influenza vaccine is available free of charge to our employees at CVS and other network providers under both Best Choice Plus and Aetna, upon presentation of member ID card. Please note the Influenza vaccine continues to be available at the regional Employee Health Departments. FLEXIBLE SPENDING ACCOUNTS - FSA Health Care FSA This benefit provides an opportunity to set aside pre-tax dollars from your paychecks to pay for out-of-pocket health care expenses that will not be paid by insurance or reimbursed from any other source. The money you set aside in the account is available for your expenses and the expenses of anyone you claim as a dependent on your tax return. You may set aside from $5.00 to $96.00 per paycheck, up to a maximum of $2,500 a year for eligible expenses including prescription drug co-pays, and other qualified medical, dental and vision expenses. Nonprescribed items are not eligible for FSA tax-free reimbursement. Dependent Day Care FSA This benefit provides an opportunity to set aside pre-tax dollars from your paychecks for child care expenses you may have for your eligible dependents while you and your spouse work or your spouse goes to school full-time. Your eligible dependents are: 1) Children under age 13 who you claim as dependents on your tax return; or 2) Anyone age 13 or older who lives with you at least eight hours a day and needs supervised care, such as an elderly parent or disabled spouse or dependent. You may set aside up to $5, a year. Flexible Spending Account Administration Reimbursement will occur for qualifying expenses incurred during the 2016 plan year. You will have until March 31, 2017 to file claims for expenses incurred for the 2016 plan year. If you terminate employment you may choose to continue your health care FSA through COBRA. Any monies remaining in a flexible spending account after the 2016 plan year claim deadline of March 31, 2017 will be forfeited. You may obtain a list of qualifying expenses from the IRS online at (publication 502, Medical and Dental Expenses), or by calling TAXFORM. Examples of qualifying expenses are listed in HRAM Flexible Spending Policy #5.12 on the Intranet. HEALTH SAVINGS ACCOUNT - HSA A Health Savings Account is used to set aside pre-tax dollars to pay for medical expenses for you or your dependent. To open an HSA and make tax deductible contributions, you must be enrolled in a high-deductible health plan. In 2016 you can contribute up to: $3,350 employee only coverage; $6,750 family coverage and $1,000 additional catch-up if you are age 55 or older in There is an IRS 20% penalty for non-medical distributions. If you have questions about tax savings, you should consult your tax advisor.

6 2015 SELF ENROLLMENT & NAVIGATION PROCESS You will self-enroll through the Employee Self Service (ESS) site located on the Broward Health Intranet. You can only access this from a Broward Health computer. First time users will need to go through the Employee Self Service Verification registration process. Locate the icon on the HR tab of the intranet and click on it to launch the ESS Verification Process. OPEN ENROLLMENT VIA EMPLOYEE SELF SERVICE We strongly encourage you and your family to carefully review our Open Enrollment options and make designations and modifications during the Open Enrollment period via Employee Self Service (ESS), located on the HR tab on the Intranet. Employee Self Service also gives you access to your pay check data, current benefit enrollments, dependent information, and can be used to change your address of record. Additional benefit information including the Uniform Summary of Benefits and Coverage and Children s Health Insurance Program (CHIP) may also be found on the HR tab on the intranet. Representatives from the Benefits Department and the insurance vendors will be available at benefit enrollment meetings from October 26th to October 30th to answer your questions. To make your Open Enrollment changes go to the HR tab of the Intranet and click on the ESS link pictured below. Enter your network user name and password to log-in.