2022 BENEFITS ANNUAL ENROLLMENT HIGHLIGHTS

EXPLORE ENGAGE ENROLL

2022 BENEFITS ANNUAL ENROLLMENT HIGHLIGHTS

TAKE ACTION: October 25–November 8, 2021

1VMDcommunity.com2022 Benefits Annual Enrollment Highlights

https://vmdcommunity.com

YOUR HEALTH & WELL-BEING MATTERS

We appreciate your commitment to high-quality, value-based care—a commitment shared by your colleagues throughout the VillageMD family.

To help you be your best at home and at work, we’re pleased to invest in benefit programs that support your total well-being.

It’s almost time for you to choose the benefits that matter most for you and your family for 2022. To choose wisely, just remember three steps: Explore. Engage. Enroll.

Extending Our Clinical Care Model to Our Team Members

At VillageMD, we’re leading bold advances in the delivery of high-quality primary care—care that people can access where and when it works for them. Whether you visit a Village Medical at Walgreens or choose a virtual visit from your mobile device, VillageMD is here for you.

Every day, we wake up to deliver the best primary care possible, centered on the trusted relationship between a physician and patient. We know our physician-led, team-based care model gives patients and communities a better health care experience while lowering the overall cost of care. That’s the value of value-based care.

And, because we want our team members to have this same patient-centered experience, we’ve built it into our benefits. As a VillageMD team member, you have access to that same high-quality, patient-centered care at an affordable cost. It’s called the VillageMD Value-Based Medical Plan—and it gives you access to VillageMD providers as a preferred choice for primary care.

While you will still have the option to seek care outside of VillageMD’s network, you’ll pay less—or nothing at all—when you choose the VillageMD network.

Learn more about the VillageMD Value-Based Plan on VMDcommunity.com—where you will find information about all your benefits.




Our mission is all about caring for people—and that extends to our own team members. VillageMD is proud to offer a competitive benefits package that supports you and your loved ones. Wherever you are in life, you’ll find value in your VillageMD benefits.

Take time to explore and learn more about your VillageMD Benefits at VMDcommunity.com.

Paid Time Off• Generous Paid Time Off (PTO)• Paid Holidays• Volunteer Time Off• Parental Leave

Learning & Development• VillageU • Continuing Medical Education

(CME) (providers only)

* LTD is an enrollment decision only for team members below director level.

EXPLORE

Health & Well-Being• Medical & Prescription Drugs

— VillageMD Value-Based Plan — HSA Medical Plan

• Virtual Care• Lifestyle Management

Programs• Health Coaching• Chronic Condition

Management• Dental• Vision

Saving Money Today• Health Savings Account (HSA)• Health Care Flexible Spending

Account (FSA)• Limited Purpose FSA• Dependent Care FSA• Commuter Benefits Accounts• LifeMart Discounts

Annual Enrollment Decisions

Financial Future• 401(k) Retirement Savings Plan• Will Preparation• Financial Consultation • Legal Services• Identity Protection• Financial Wellness Tools

Emotional & Mental Health• Employee Assistance

Program (EAP) — In-person and Virtual Counseling — Talkspace Digital Counseling

• Behavioral/Mental Health• Grief Support

Income Protection• Employer-Paid Basic Life

and AD&D Insurance• Employee-Paid Supplemental

Life Insurance• Short-Term Disability (STD)• Long-Term Disability (LTD)*

Work/Life Solutions • Caregiving Support• Emergency Travel Assistance

For important benefits information, visit VMDcommunity.com or snap the QR code with your phone or tablet camera.

• Comprehensive Benefits Information

• 2022 Benefits eGuide• Employee Benefit Costs• Benefits Summary Plan

Description (SPD)• Summary of Benefits

and Coverage (SBC)• ACA Compliance Notices• Benefit Vendors Contacts





Talkspace is a digital space for private and convenient mental health support. You and your personal therapist can exchange unlimited messages via text, voice and video. One week of unlimited text therapy counts as 1 EAP counseling session.

NEW

SUPPORTING YOUR HEALTH & WELL-BEING With Cigna as Our Health Care Partner

Because the world keeps changing, we keep striving to bring you a better benefits experience, year after year. Better choices. Better service. Better value for you and your family. For 2022, we’re pleased to bring you the following new benefits and program enhancements.

Medical

You have access to VillageMD Primary Care and Affiliate Providers as well as Cigna’s national network of contracted providers, hospitals and specialists. You can take advantage of a variety of resources tailored to help you navigate through your specific health care need.

Dental

Cigna administers our dental PPO plan, giving you access to a large network of qualified dentists and dental specialists.

Virtual Health Visits

You can access non-emergency medical or behavioral health care virtually through your in-network provider, Village+* or MDLIVE. Virtual visits can happen anywhere via video or phone 24/7/365. Schedule a behavioral/mental health virtual care appointment online in minutes.

* Village+ available in select markets.

Behavioral Health

Whether you’re struggling with stress or anxiety or just need to talk to someone, Cigna’s behavioral health services are here to help. The Fast Access network guarantees first-time appointments in five business days. For more intensive care for mental health or substance abuse issues, Cigna has a nationwide network of Centers of Excellence.

Employee Assistance Program (EAP)

You and your family members can take advantage of 6 face-to-face counseling sessions per issue per year, at no cost. Video-based sessions are available to fit your busy schedule. The EAP also offers legal and financial consultations, caregiving resources and referrals, even help to resolve identity theft.

ENGAGE



Higher Life Insurance Options

This change brings more options and higher maximums for employee-paid supplemental life and accidental death and dismemberment (AD&D) insurance:

• Employee: $10k increments up to $750,000; $300,000 guaranteed issuance

• Spouse: $5k increments up to $100,000; $50,000 guaranteed issuance. (Note that the amount of spouse coverage cannot exceed the employee’s coverage.)

• Child (up to age 26): $10k

Your One-Time Annual Enrollment Opportunity

During 2022 Annual Enrollment only, EOI will be waived for supplemental coverage up to the guaranteed issuance amounts.*

If you don’t take advantage of this one-time opportunity and want to enroll during a future Annual enrollment, EOI will be required to elect more than $10k of new or increased employee coverage, or more than $5k of new or increased spouse coverage, up to guaranteed issuance amounts.

* EOI will be required if you had a previous application declined.

TERMS TO KNOW

Guaranteed Issuance (GI): The dollar amount of coverage for which you are guaranteed acceptance without providing EOI.

Evidence of Insurability (EOI): RSLI will require proof of good health before approving your application for coverage above the guaranteed issuance level.

Disability Insurance

Employees eligible for the employee-paid Long-Term Disability (LTD) plan will not be required to complete EOI to be approved for coverage. The pre-existing condition limitation will still apply. See your Benefits eGuide for details.

INCOME PROTECTION PLANS

We’re moving from Dearborn National to Reliance Standard Life Insurance (RSLI) for administration of our life insurance plans, disability benefits and absence management programs.



Financial and Work/Life Benefits

These new benefits can help you protect yourself, your finances and your personal information in a variety of situations.

• Emergency Travel Assistance (On Call International): If you experience a personal emergency when traveling more than 100 miles from home, you have around-the-clock access to services such as help with an illness or injury, lost passport, missing luggage or even a prescription refill.

• Identity Protection (InfoArmor): Team members and family members receive powerful monitoring and security tools. Should you experience fraud, InfoArmor’s comprehensive recovery services will help you resolve your case and restore your identity, with up to $25K in identity fraud expense reimbursement.

• Legal and Financial Service (ACI Specialty): Initial assessment and a 60-minute consultation about your legal or financial issue. Receive free financial coaching, DIY document preparation, and document assistance services at a reduced fee.

For details, visit VMDcommunity.com.

NEW BENEFITS FOR 2022

Benefit-eligible team members are automatically enrolled in these programs at no cost.

Caring in Difficult Times

If you find yourself managing through a significant loss, VillageMD has resources available to support you and your loved ones during your journey.

• Grief Support and Counseling: You and your household members can have up to 3 Reliance counseling sessions at no cost.

• Bereavement Support Services (ACI Specialty): Unlimited, confidential telephonic grief counseling, along with online funeral planning and beneficiary financial and legal consultation.

IRS ANNUAL CONTRIBUTION LIMIT UPDATES

The only plan contribution limits that are changing for 2022 are as follows:

• HSA contribution limits (if in HSA Medical Plan):

— $3,650 individual coverage — $7,300 family coverage — +$1,000 catch-up (age 50+)

• 401(k) Retirement Savings Plan contribution limits:

— $20,500 — +$6,500 catch-up (age 55+)

For other plan limits, visit VMDcommunity.com.





Who’s Eligible for VillageMD Benefits

To be eligible for benefits, a VillageMD-eligible team member must work at least 30 hours per week.

Who You Can Cover• Your legal spouse, civil union or domestic partner.

• Your dependent child(ren) under age 26, or 26 and older who are permanently disabled (birth, legally adopted or court appointed legal guardian).

When Benefits Are Effective

The benefit elections you make during Annual Enrollment will be in effect January 1 through December 31, 2022. Mid-year changes are not allowed unless you have one of the following qualified life events that affects your coverage needs:

• Marriage• Divorce or legal separation• Birth or adoption• Gain or loss of coverage• Death of a dependent• A dependent is no longer eligible for coverage

If you have a qualified life event, you must provide written documentation and notify the VillageMD Benefits Team at [email protected] within 30 days of the event. Otherwise, you must wait until the next Annual Enrollment period to make any changes.

2022 BENEFITS ENROLLMENT CHECKLIST

Before You Enroll• Review the 2022 Benefits eGuide to see your

benefit options, costs, HSA/FSA contribution limits and employer HSA contribution amounts.

• Review and update your personal information (i.e. home address) in ADP at workforcenow.adp.com.

How to Enroll

Enroll online at workforcenow.adp.com from October 25 through November 8, 2021.

• If you decide to opt-out of VillageMD’s medical, dental or vision coverage, you are required to reflect in the ADP enrollment system that you are waiving coverage.

• You must add your beneficiaries for your life insurance plan.

• Upon completing your benefit elections, it’s important you validate your elections and click “SUBMIT ENROLLMENT” to complete the process.

• You will receive an email confirmation of your benefit elections. If you find an error, immediately contact the VillageMD Benefits Team at [email protected].

NEW TEAM MEMBERS

If you were hired after October 25, 2021, you must enroll for 2021 and 2022 benefits

separately.

ENROLL

For questions or enrollment support, contact the VillageMD Benefits Team via email at [email protected].


mailto:benefits%40villagemd.com?subject=

https://www.workforcenow.adp.com/

https://www.workforcenow.adp.com/




MEDICAL OPTIONS AT A GLANCE

VillageMD Value-Based Plan

Tier 1

VillageMD & Affiliate Providers

(varies by market)

Tier 2

Cigna Contracted Providers

(in-network)

All Other Providers

Out-of-network

Plan Provision What You Pay

Deductible $0$750 individual/

$1,500 family$1,500 individual/

$3,000 family

Wellness/ Preventive Care

$0 (plan covers 100%)

$0 (plan covers 100%)

40% after deductible

Primary Care Office Visit $0(includes virtual visits)

$15 copay(includes virtual visits)

40% after deductible(virtual visits not covered)

Specialty Care $25 copay $40 copay 40% after deductible

• Hospital Services (inpatient/outpatient)

• Rehabilitative Services• Diagnostic Lab, X-Ray

10% coinsurance 20% after deductible 40% after deductible

Out-of-Pocket Maximum $3,000 individual/ $6,000 family

$3,000 individual/ $6,000 family


Prescription Drug Copays(up to 30-day retail supply/90-day retail or mail-order supply)

90-day supply available through Walgreens retail locations or Express Scripts mail-order service.

• Generic: $10/$20• Preferred Brand: $30/$60• Non-Preferred Brand: $60/$120• Specialty Brand: $100/$200

No coverage for prescriptions filled at

CVS or out-of-network pharmacies



HSA Medical Plan

VillageMD and Affiliate ProvidersCigna Contracted Provider Network

(in-network)

All Other Providers(out-of-network)

Plan Provision What You Pay

Deductible (combined deductible for medical and prescription drugs)



VillageMD’s HSA Contribution $500 individual/$1,000 family (prorated for new team members)

Wellness/Preventive Care $0 (plan covers 100%)

40% after deductible

• Primary Care + Virtual Visits• Specialty Care• Hospital Services

(inpatient/outpatient)• Rehabilitative Services• Diagnostic Lab, X-Ray

20% after deductible 40% after deductible

Out-of-Pocket Maximum $3,000 individual/ $6,000 family


Prescription Drug(up to 30-day retail supply/ 90-day retail or mail-order supply)

90-day supply available through Walgreens retail locations or Express Scripts mail-order service.

• Preventive Maintenance Generic: many are covered at 100% (no deductible)

• Generic: 10% after deductible• Preferred Brand: 20% after deductible• Non-Preferred Brand: 30% after

deductible• Specialty Brand: 30% after deductible

No coverage for prescriptions filled at

CVS or out-of-network pharmacies

CIGNA ONE GUIDE

Cigna’s One Guide concierge can help you navigate your health care benefit decisions. Call 1-888-806-5042.

MYCIGNA.COM IN-NETWORK PROVIDER SEARCH

Finding a VillageMD Primary Care or Cigna-contracted provider is easy with Cigna’s provider lookup tool. To access the directory and other resources, register at my.cigna.com and download the myCigna app.


https://my.cigna.com

https://my.cigna.com


YOUR 2022 MONTHLY BENEFIT COSTS

VillageMD and team members continue to share the cost of health care. HSA Medical Plan contributions will increase by 7%; all other benefit costs remain unchanged for 2022.

Medical

The 2022 monthly costs for benefits-eligible team members are as follows:

Coverage Tier VillageMD Value-Based Plan HSA Medical Plan

Under $49,999

Employee Only $71.82 $80.59

Employee + Spouse/Domestic Partner $166.62 $185.31

Employee + Child $155.51 $172.10

Employee + Family $258.35 $285.63

$50,000–$74,999





$75,000–$124,999





More than $125,000





Dental PPO Plan

Coverage Tier Your Monthly Cost

Employee Only $9.66

Employee + Spouse/Domestic Partner $18.46

Employee + Child $22.98

Employee + Family $31.78

Vision Plan

Coverage Tier Your Monthly Cost

Employee Only $2.32

Employee + Spouse/Domestic Partner $3.73

Employee + Child $3.80

Employee + Family $6.11



Employee-Paid Long-Term Disability (LTD)*

EMPLOYEE COVERAGE

Your Age Your Monthly Cost Per $100 of Covered Earnings

Under 25 $0.12

25–29 $0.17

30–34 $0.24

35–39 $0.39

40–44 $0.66

45–49 $0.77

50–54 $1.00

55–59 $1.21

60–64 $1.05

65–69 $0.44

70+ $0.22

* Providers and team members at director level and above are automatically enrolled in employer-paid LTD. For team members below director level who choose to enroll in voluntary, employee-paid, the monthly cost is based on your age and covered monthly earnings.

Employee-Paid Supplemental Life/AD&D

EMPLOYEE/SPOUSE SUPPLEMENTAL LIFE COVERAGE

Your Age Your Monthly Cost Per $1,000 of Coverage

Under 30 $0.071

30–34 $0.078

35–39 $0.117

40–44 $0.189

45–49 $0.292

50–54 $0.475

55–59 $0.746

60–64 $1.036

65–69 $1.912

70+ $3.160

EMPLOYEE/SPOUSE SUPPLEMENTAL AD&D COVERAGE

Your Monthly Cost Per $1,000 of Coverage

$0.024

CHILD SUPPLEMENTAL LIFE COVERAGE

Your Monthly Cost Per $1,000 of Coverage

$0.020

Summary of Plan Changes

This 2022 Benefits Annual Enrollment Highlights guide is also a summary of material modifications (SMM) and describes any changes made to the Village Practice Management Company, LLC, Plan, VillageMD Providers Welfare Benefit Plan I, and VillageMD Providers Welfare Benefit Plan II (all are plan number 501) effective January 1, 2022. This summary updates your latest Summary Plan Description (SPD). Please keep this SMM with your current SPD.

Legal Notices

At VMDcommunity.com you can find these important legal notices about your benefits:

• Summary of Benefits and Coverage and Uniform Glossary (SBC)

A FINAL NOTE: This communication describes highlights of certain VillageMD team member benefits effective January 1, 2022 but does not contain all the details, limits and exclusions. In the event of any conflict, benefits are determined based on the official plan documents.

IMPORTANT BENEFITS INFORMATION

• Medicaid and Children’s Health Insurance Program (CHIP)

• Medicare Part D: Important notice about your prescription drug coverage and Medicare

• Notice of privacy practices• Changing your elections during the year• Women’s Health and Cancer Rights Act• COBRA• Newborns’ and Mothers’ Health Protection Act• Health Insurance Marketplace coverage options

and your health coverage




EXPLORE ENGAGE ENROLL

YOUR HEALTH & WELL-BEING MATTERS

2022 Benefits Annual Enrollment October 25–November 8, 2021



Documents

2022 BENEFITS ANNUAL ENROLLMENT HIGHLIGHTS