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1
Looking Ahead1 BenefitsEnrollment
1 TotalRewards
2 What’sNewin2019
2 Who’sEligible
3 HowandWhentoEnroll
3 NewHires
3 MakingChangesDuringtheYear?
4 MedicalCoverage
6 WellnessProgram
8 TaxSavingsAccounts
10 AccidentInsurance
10 CriticalIllness
10 KeepYourSmileBrightwithDentalCoverage
11 TakeaLookatVisionCoverage
12 2019Bi-WeeklyHealthInsuranceRates
13 DisabilityIncomeProtection
14 LifeandAD&DInsurance
15 Retirement
16 LongTermCare
17 TakeaBreakwithPaidTimeOff
18 Questions?AsktheExperts
19 CentraMedicalBenefitsPlanNon-DiscriminationNotice
1
Centraisproudtoofferyouandyourfamilyaquality,comprehensivebenefitsprogram.Yourbenefitsareamajorpartofyourtotalcompensation–addingapproximately25%toyoursalary!Recognizingthediversityofourpopulation,weprovideflexibleplans,soyoucanchoosetherightmovesbasedonyourindividualandfamilyneeds.
WiththeCentrabenefitsplan,youandyourfamilyhavetheopportunityto:
— Stayhealthywithmedical,dental,andvisioncoverage
— Receivetaxsavingswiththeflexiblespendingaccountsandhealthsavingsaccounts
— Boostyourhealthwiththewellnessprogram,WellPower
— Enjoythesecurityandpeaceofmindwithdisability,lifeinsurance,andretirementsavingsplan
Thisguideisdesignedtohelpyoulearnabouttheoptionsavailabletoyouandmakeyourenrollmentchoices.Formoredetailedinformationaboutanyofthebenefitsinthisguide,visitLawsonBenefitsEmployeeSelfService.PleasereachouttoHumanResourcesifyouhaveanyquestions.
Benefits Enrollment
Do you need to take action?
Keepinmindthatyoumustenrollifyouwantto:
— Electmedical,dental,andvisioncoverage— Addordropdependentsfromcoverage— ContributetotheHealthCareand/or
DependentDayCareSpendingAccounts(evenifcurrentlyenrolled)
Total Rewards WelcometoTotalRewards2019!WeareexcitedtosharewithyouallCentrahastooffertokeepyouhealthy,happyandontherighttrack!Wearealwayslookingforopportunitiestomakeyouremployeeexperiencethebestexperience.Therefore,wehavecreatedTotalRewardsforYOU.TotalRewardsisjustthat,“Total,Rewards”.First,wefocusonthe“total”you:
— yourcompensation— yourbenefits— yourwork/liferesources
Then,wetargetwaysto“reward”youforajobwelldone.UnderourTotalRewardsprogram,youwillfindallyouneedtogetthemostoutofyourexperienceaspartoftheCentrateam!
Everyday,weaskyoutobetheadvocateforyourpatients,tocreateasafeenvironmentwheretheyaretreatedwithcompassionandintegrity.Wedependonyoutomakethepatientexperiencememorable,andpleasant.ButtakingcareofothersrequiresahealthyYOU.TotalRewardsisourwayoftakingcareofyou,soyoucantakecareofothers.AtCentra,weunderstandthatYOUarewhatmakesourorganizationsuccessful,andwearecommittedtolettingyouknowthatyouarevalued.Itisourgoaltomeetyourexpectationsateveryturnandtobethereforyou,providingthebenefitsandtoolsthatwillallowyoutogrowandsucceed!
— ChangeyourVoluntaryLifeInsuranceordisabilityinsuranceelections
— Electvoluntarybenefits,suchasAccidentInsurance,LongTermCare,WholeLifeInsurance,andCriticalIllness.
— yourrecognition— yourprofessionaldevelopment
2
Who’s Eligible?Employees
YouareeligibletoparticipateinCentra’sbenefitsplansifyouareafull-timeorregularpart-timeemployee.New hires must enroll within 31 days of their hire date to have coverage for the rest of the plan year.Ifyouareenrollingduetoastatuschangeorlifeevent,benefitswillbeginthefirstofthemonthfollowingthedatetheHRBenefitsTeamreceivesyourcompletedenrollmentformsandsupportingdocumentation.
Dependents
Yourdependentsareeligibleformanyoftheplansweoffer.Eligibledependentsinclude:
— Yourlegalspouse— Yourdependentchildrenuptoage26— Yourdisableddependentchildrenof
anyage
Theterm“children”shallincludenaturalchildren,stepchildren,adoptedchildren,andchildrenplacedwithacoveredemployeebyanauthorizedplacementagencyorbycourtorder.
Important What’s New in 2019Togiveyoumorechoicesforfinancialprotectionandpeaceofmind,Centraofferstwonewbenefits:VoluntaryCriticalIllnessandHealthSavingsAccounts.
Critical Illness Insurance
Ifyouarediagnosedwithanillnesscoveredbythisinsurance,youcanreceivealumpsumbenefitpaymenttobeusedhoweveryouwant.Seepage10formoreinformation.
Health Savings Account (HSA)
IfyouelecttheHighDeductibleHealthPlan,CentrawillcreateaHealthSavingsAccountforyouandcontributetoyouraccountevenifyoudon’t.Contributionsaretaxfree,fundsrolloverfromyeartoyear,andallfundsareinvestedandgrowtaxfree.Seepage9formoreinformation.
Important Note: Whenenrollingaspouseordependentforthefirsttime,youshouldprovidehisorherSocialSecuritynumberanddateofbirth.
Scheduled Hours Per Week to Qualify for Benefits
Full-Time Part-Time A Part-Time B
Centra 32-40 24-31 8-23
LongTermCareDivision
30-40 22.5-29 7.5-22
Note:IfyourspouseiseligibleformedicalcoveragethroughanotheremployerbutyouchoosetocoverthemunderCentra’smedicalplan,youwillpayanadditional$50perbi-weeklypayperiod.
Spouses Who Both Work for Centra
SpouseswhoareemployedbyCentraandeligibleforbenefitscanbecoveredeitherasanemployeeorasadependent,butnotboth.Also,yourdependentchildrenmayonlybecoveredbyoneofyou.
3
How and When to Enroll?DuringOpenEnrollment,youhavetheopportunitytoreviewyourcurrentbenefitsandupdateyourcoverageforthenextplanyear.Enrollmentiseasyandconvenient.Thesetipswillassistyouinchoosingthebestoptionsforyourselfandyourfamily.
Helpful Tip:IfyouareenrollingduringanOpenEnrollmentperiod,anychangesyoumakewillgointoeffectonJanuary1,2019.
1. ReadandreviewallbenefitsmaterialsprovidedfoundinLawsonBenefitsEmployeeSelfService,2019BenefitsDocuments.
2. Makeyourbenefitchoices.
3. ACTION REQUIRED:DuringtheOpenEnrollmentperiod,allbenefitseligibleemployeesmustgoonlinetoenrollin2019benefits.Accesstotheenrollmentsitewillbeatyourconvenience,24hoursaday,sevendaysaweekduringAnnualEnrollment.
— Visit:https://bci365.com/centrahealth— EnterProvidedID:First4lettersoflastnameandLawsonnumber(example:Smit6758)— EnterProvidedPassword:LawsonnumberandDOB(example:675807051989)— Youwillbepromptedtoenteryouremailaddressandcreateanewpasswordtocompletethe
registrationprocess.
4. ThebenefitchoicesyoumakeduringOpenEnrollmentwillremainineffectfromJanuary1,2019throughDecember31,2019,unlessyouhaveachangeinfamilystatusoraqualifiedlifechangeevent(seeMakingChangesDuringtheYearfordetails).
New HiresEnrollinbenefitsbycallingtheCentraHealthBenefitsEnrollmentCenterat888-659-1475,MondaythroughFriday,9a.m.–6p.m.EST.Yourbenefitsrepresentasignificantportionofyourtotalcompensation;forthisreason,Centrawantseveryemployeetohaveaclearunderstandingofthebenefitsoffered.AllnewlyhiredbenefitseligibleemployeesarerequiredtospeakwithaBenefitCounselorwhowillprovidebenefitseducationandenrollmentservices.Elections must be made within 31 days of your hire date.
Making Changes During the Year?Thebenefitchoicesyoumakeduringenrollmentwillremainineffectfortheentireplanyearunlessyouexperienceaqualifyinglifeevent.Examplesofqualifyinglifeeventsinclude,butarenotlimitedto:
ItisyourresponsibilitytonotifyCentrawithin31daysafteraqualifyinglifeevent.Youmayneedtoprovidedocumentationoftheevent,suchasamarriagelicenseorbirthcertificate.Anybenefitchangesmustbedirectlyrelatedtotheevent.Formoreinformation,clickonLifeChangesontheHRhomepage.
Rehired at Centra
IfyouarerehiredatCentralessthan61daysfromyourterminationdate,thebenefitsyouwerepreviouslyenrolledinwillcontinue.YouwillbeunabletomakechangesuntilthenextannualOpenEnrollment.
IfyouarerehiredatCentra61ormoredaysfromyourterminationdate,youmustcompletethebenefitsenrollmentprocessfornewhires.
— Changeinemploymentstatus— QualifiedMedicalChildSupportOrder(QMCSO)
Changing from Part-Time to Full-Time Status
Ifyouhadpreviouslybeenafull-timeemployeeandyouarenowchangingfromapart-timestatusbacktofull-time,there’saspecialrulethatapplies.
— Ifyouhavehadpart-timestatusformorethanoneyear,youcanmakenewlifeandlong-termdisabilityelectionswithoutanylimitations.
— Ifyouhavehadpart-timestatusforlessthanoneyear,youcanonlyelecttheleveloflifeandlong-termdisabilitycoverageyouhadineffectwhenyouwerepreviouslyafull-timeemployee.
— Changeinyourmaritalstatus— Birthoradoptionofachild
4
Medical CoverageAtCentra,weunderstandtheimportanceofgoodhealthasthefoundationforaproductivelifeathomeandatwork.Tokeepyouandyourfamilyhealthyallyearlong,Centraoffersyouthreecomprehensivemedicalplans:
1. TheBasic Point of Service (POS)planrequiresareferralfromaPrimaryCarePhysician(PCP)inordertoseeaspecialist.You’llpaylowerpremiumsforthisplan,butthedeductibleishigher.
2. TheOpen Preferred Provider Organization (PPO)optionoffersyoutheflexibilitytoseeanyspecialistorphysicianyouwant.StayinthePiedmontCommunityHealthPlan(PDHP)networkforthelowestout-of-pocketcosts.Thisplanhashigherpremiums,butlowerdeductibles.
3. TheHigh Deductible Health Plan (HDHP) HDHPistheplanyouneedtochooseifyouwanttohaveaHealthSavingsAccount(HSA).WiththeHDHP,youpaythefullcostofyourmedicalcareuntilyoumeettheannualdeductible(exceptforcertainmaintenancemedications).TheHSAisatax-favoredaccountthathelpsyoucoveryourout-of-pocketmedicalexpenses.CentrawillalsocontributetothisaccountforHDHPparticipants–seetheHSAsectionfordetails.
Withallthreeplans,stayinthePCHPnetworkforcaretoreceivethehighestlevelofbenefits.Thechartbelowshowsyourcostforcertainservicesundereachplan.
Medical Features
Basic POS Open PPO High Deductible Health Plan (HDHP)
In-NetworkOut-of-Network
In-NetworkOut-of-Network
In-NetworkOut-of-Network
Annual Deductible
— Individual/Family$1,500/$3,000
$3,000/$6,000
$1,000/$2,000
$2,000/$4,000
$3,000/$6,000
$6,000/$12,000
Annual Out-of-Pocket Maximum (includes copays)
— Individual/Family
$4,000/$8,000
$8,000/$16,000
$5,000/$10,000
$10,000/$20,000
$3,000/$6,000
$6,000/$12,000
Coinsurance (portion you pay)
20% 40% 20% 40% 0% 40%
Preventive Care Services E.g.,annualphysicals,well-childexams,ageappropriatescreeningssuchasmammograms,etc.
Covered100%,no
deductible
40%afterdeductible
Covered100%,no
deductible
40%afterdeductible
Covered100%,no
deductible
40%afterdeductible
Office Visits
— PrimaryCarePhysician
— Specialists
$25copay
$50copay
40%afterdeductible
$25copay
$50copay
40%afterdeductible
0%afterdeductible
40%afterdeductible
Diagnostic Lab & X-ray20%afterdeductible
40%afterdeductible
20%afterdeductible
40%afterdeductible
0%afterdeductible
40%afterdeductible
Inpatient Hospital20%afterdeductible
40%afterdeductible,
plus$500peradmissiondeductible
20%afterdeductible
40%afterdeductible,
plus$500peradmissiondeductible
0%afterdeductible
40%afterdeductible,
plus$500peradmissiondeductible
Emergency Room
(copay waived if admitted)
$100copay,20%afterdeductible
$100copay,40%afterdeductible
$100copay,20%afterdeductible
$100copay,40%afterdeductible
0%afterdeductible
40%afterdeductible
Takeadvantageofyourfreein-networkpreventivecareservices.Visitwww.hhs.govforalistofcoveredpreventiveservices
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Prescription Drug Coverage
YourCentramedicalplansalsoincludeprescriptiondrugcoverageatanin-networkpharmacyonly.
The chart below shows your cost for certain services under each plan.
Type of MedicationBasic POS Plan Open PPO HDHP*
In-Network Only In-Network Only In-Network Out-of-Network
Retail (30-day supply)
— Generic
— Formulary
— Non-formulary
— Specialty(andmailorder)
$10copay
$35copay
$60copay
$75copay
$10copay
$35copay
$60copay
$75copay
0%afterdeductible40%after
deductible
Mail Order (90-day supply)
— Generic
— Formulary
— Non-formulary
$25copay
$80copay
$150copay
$25copay
$80copay
$150copay
0%afterdeductible40%after
deductible
*See Lawson Benefits Employee Self Service for a list of maintenance medications provided for a generic copay under the HDHP option.
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Wellness ProgramCentra’sWellnessprogramisdesignedtokeepyouhealthyandhappyandsupportyoureffortsatlivinganactivelifestyle.TheWellnessprogram,WellPower,focusesonprovidingtoolsandresourcestohelpyoutakechargeofyourhealth.
Free Programs
Centraoffersmanyprogramsatnocosttoyou:
— Incentive Program: Ourprogramisstructuredtorewardyouformakingtherightchoicesthatenableyoutogetthemostoutoflifeathomeandatwork.Earnpointsbysimplymakingbetterchoicesandtrackingthemthroughthewellnessportal.
— Flu Shots and Vaccines: ReceiveyourannualflushotandrequiredvaccinesthroughEmployeeHealthatnocosttoyou.
— Employee Assistance Program (EAP): Havingsupportthroughtheupsanddownsoflifeiscrucial.CentraautomaticallyprovidesyouandyourfamilywithanEAPatnocosttoyou.CalltheEAPat434-200-6000anytimeofthedayornightforconfidentialassistancewithissues,suchassubstanceabuse,legalproblems,grief,stressrelatedtomedicalproblems,financialstrain,ortheworkplace.
— Preventive Check-ups and Screenings*: Eachyear,CentraMedicalPlanparticipantsareallowedonewellnessvisitandhealthscreeningatnocost.
— Waived Copay for Disease Management*: Ifyouarediagnosedwithhighbloodpressure,highcholesterol,ordiabetes,visityourPrimaryCarePhysicianwithoutpayingacopay.
— Navigation Services through PCHP*: Qualifiedparticipantscanreceiveconfidentialandpersonalizedhealthcounselingatnocost.
— Work-life Services: Realtimesupportforreallivingisofferedtoclientswhichincludesuniqueandcomprehensiveservicestohelpbalancework/lifeobligations.Thegoalistoliveahappier,healthier,moreproductivelife!
*Services for Centra Medical Plan Participants only.
FormoreinformationontheWellPowerprogram,visitgo.hw4me.com.
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DiscountsAsaCentraemployee,youcantakeadvantageofthefollowingdiscounts:
— Weight Watchers: Enjoya50%subsidyonWeightWatchersmeetingsorOnlinePlustohelpyouimproveyouroverallhealthandreachyourweightlossgoals.
— N.E.W. Healthy Lifestyles Discount: Receivea50%discountoffthiseight-weekcourse,basedonvolumetricseating,whichcoversnutrition,exercise,andweightmanagement.
— YMCA: SignupataparticipatingYMCAandget25%offthemonthlymembership.Viewyourwellnessportalforacompletelistoflocations.
— Women & Children’s Services Education Discount: AttendclassesatCentra,suchasBabyBasics,BreastFeeding,InfantSafety,andFamilyNutrition.Call434-200-4537foronelowbundledfee.
— BounceBack: Relievelowerbackpainthroughthisprogram.Call434-200-2102fordetails.
— Central Virginia YMCA Diabetes Prevention Program: Completetheyear-longprogramatadiscountedratethatwillhelpreduceyourriskfortype2diabetes.Call434-582-1900.
— Tobacco Cessation Education: Centra’sPulmonaryRehabilitationProgramoffersfreeBeTobaccoFreeclassesandone-on-onecounselingfromaCertifiedTobaccoTreatmentSpecialist.Forinformation,call434-200-3812.
— Tobacco Replacement Therapy*: PrescriptionandOTCsmokingcessationproducts(e.g.,nicotineproducts,buproprion[genericonly],Chantix)arecoveredforadultsat$0copay.Quantitylimitof2cyclesperyearappliestoeachactiveingredient.
*Services for Centra Medical Plan Participants only.
Get Fit!InadditiontotheYMCAmembership,Centraalsoencouragesyoutotakeadvantageofthefollowing:
— Bowen Wellness Center at Lynchburg General Hospital:Takeafitnessclass,usethetreadmillorellipticalmachine,andreceivepersonaltrainingattheBowenWellnessCenter.Call434-200-7097forinformation.
— Fitness Challenges & Race Subsidies:BeapartoftheSpringandFallfitnesschallengesduringtheyear.CentraalsosubsidizesparticipationinracessuchastheVA10-Miler,IAmWoman5k,andotherlocalevents.
— Healthy Steps:WorkwithnursesandexercisephysiologistsfromCentra’sownStroobantsCardiovascularCentertocreateaspecializedexercisetherapycareplantomeetyourneedsandgoals.Centraemployeesreceiveadiscountedprice.
8
Tax Savings AccountsFlexible Spending Accounts (FSAs)
Centraofferstworegularspendingaccountchoicesasasmartandconvenientwaytostretchyourbenefitdollarsandreceiverealtaxsavings:
— The Health Care Account:Youcancontributeupto$2,650 per yearonapre-taxbasistopayforeligibleout-of-pocketmedical,dental,andvisionexpenses.(HDHPparticipantsarenoteligibleforthisaccount.)
— The Dependent Day Care Account:Youcancontributeupto$5,000 per household per year ($2,500 if married, filing separately)onapre-taxbasistocoveryourcostofchildcareforchildrenuptoage13.
How FSAs Work
Expensessuchasdeductiblesandcopayscanquicklyaddup,anddependentcarecostscanbeevenmoreexpensive.FSAsletyoupaytheseexpenseswithpre-taxdollars,soyousavemoney.Yourcontributionswillbedeductedfromyourpaychecksinequalinstallmentsthroughouttheyearanddepositedintoyouraccount(s).
— KeepinmindthattheIRShasa“useitorloseit”rule.Ifyoudonotusethefullamountinyourspendingaccountsbytheendofthecalendaryear,youwillloseanyremainingfunds.— You must incur expenses by March 15 of
the following calendar year.— You must submit all claims by April 30 of
the following year to be reimbursed.— Whenestimatingyourhealthcareand
dependentcarecosts,itisbettertobeconservativeandunderestimateratherthanoverestimateyourexpenses.VisittheSavingsCalculatoratwww.HealthEquity.comtoestimateyourannualspendableincome.
Eligible Expenses
Belowareexamplesofeligibleexpenses.Foracomprehensivelist,visitwww.irs.gov.
FSA Type Eligible Expenses
HealthCareAccount
— Medical,dental,andvision
deductibles,copays,andother
out-of-pocketcosts
— Visioncareincludingprescription
glasses,contactlenses,andsolution
— Hearingcare
DependentDayCareAccount
— Daycarecenter,daytimesummer
camp,nurseryschool,orafter
schoolcare
— Adultdaycareoradultsitter
FSA Enrollment
EachyearthatyouwouldliketoparticipateintheFSAs,youmustelecttheamountyouwanttocontributetotheFSAs.Evenifyouparticipatedthepreviousyear,yourelectiondoesnotcarryover;youmustactivelyenrolltocontributetotheFSAs.
— Remember,youcannotstoporchangeyourcontributionamountduringtheyearunlessyouexperienceaqualifiedlifechangeevent.
— Youcannottransferfundsfromoneaccounttoanother.
Health Equity Debit Card
WhenyouenrollintheHealthCareAccount,HealthEquitysendsyouaMasterCarddebitcardtobestrictlyusedonlyforeligibleFSAexpenses.Thedebitcardisacceptedatdoctors’officesandqualifiedmerchants(suchaspharmacies)topayforeligibleexpenses.WhenyouuseyourHealthEquitydebitcardtopayforqualifiedpurchases,themoneyisinstantlydeductedfromyourHealthCareAccount.
Reimbursement
Ifyoupaidforqualifiedexpensesout-of-pocketandwanttoreceivereimbursementfromyourFSA,youmaysubmitapaperclaimformorsubmitanonlineclaimforeligibleout-of-pocketdependentcareandhealthcareexpenses.Please save your receipts!TocomplywithIRSregulations,HealthEquitymonitorstheexpensespaidfromyourFSAbyverifyingyourreceipts.WhenyoureceivearequestfromHealthEquity,sendcopiesofyourreceiptsimmediately.
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Limited-purpose FSA (LPFSA)
CentraalsooffersanotherspendingaccountforthosewhochoosecoverageundertheHighDeductibleHealthPlan(HDHP)withaHealthSavingsAccount(HSA).
TheLimited-Purpose(LPFSA)Account:Youcancontributeupto$2,650peryearonapre-taxbasistopayforout-of-pocketdentalandvisionexpenses.
Alimited-purposeFSA(LPFSA)isrestrictedtopayingforonlydentalandvisionexpenses.IfyouhaveaHealthSavingsAccount(HSA),youcannothavearegularhealthcarespendingaccount(FSA)butyoucanhaveaLPFSA.ALPFSAoperatesthesamewayasregularFSAsforenrollment,debitcards,reimbursements,etc.
ItmaybeadvantageoustocontributetoaLPFSAifyouchoosetocontributetheentireallowableyearlymaximumtoyourHSA.YourHSAfundswillbeinvestedandyouraccountwillincreasewhileyouusetheLPFSAtopayfordentalandvisionexpenses.
Health Savings Account (HSA)
IfyouenrollintheHDHPmedicalplan,youcancontributetoahealthsavingsaccount(HSA).AnHSAprovidesatripletaxadvantage:
1. Contributepre-taxfunds.
2. Usetax-freedollarstopayforqualifiedmedicalexpenses.
3. Investunusedfundstogrowtax-free.
FundscontributedtotheHSArolloverfromyeartoyear,soyouneverloseanymoneyyoucontribute.TherearenopenaltiesforwithdrawinginvestedHSAdollarstopayforqualifiedmedicalexpenses.
CentrahaspartneredwithHealthEquitytocreateHealthSavingsAccountsforallHDHPparticipants.Youcancontributetoyouraccountperrequirementslistedbelow.Centrawillmakeanemployercontributiontoyouraccountevenifyoudon’tcontribute.
HSA Eligibility Requirements
YouareeligibletoopenanHSAifyoumeettherequirementsdefinedbytheIRSbelow:
— YouarecoveredbyanHSA-eligibleHighDeductibleHealthPlan(HDHP)andhavenootherhealthcoverage(unlessitisaHDHP).
— YouoryourcoveredspousedonotparticipateinaHealthCareSpendingAccountotherthanaLPFSA.
— YouarenotenrolledinMedicareorTRICAREforLife.
— Youarenotclaimedasadependentonsomeoneelse’staxreturn.
HDHP TierEmployee HSA Annual
Contribution (Optional)Employer HSA Annual
Contribution
Maximum Total Annual Contribution Limit
for 2019**
EEOnly 0-3,000 500 3500
EE+1Child 0-6,250 750 7000
EE+Children 0-6,250 750 7000
EE+Spouse 0-6,250 750 7000
EE+Family 0-6,250 750 7000
Things to Consider
TheHSAhelpsyousaveformedicalexpensesnow—andthefuture.
— IfyouelecttoenrollinanHSA,yourcontributionsandinvestmentearningsarenottaxable.
— Youcanincreaseyoursavingsthroughseveralinvestmentoptions.
— Anyfundsyoudon’tusewillcontinuetoaccumulate,andyoucantakethemoneywithyouifyoudecidetoleaveCentra.
SeetheIRSbookletpostedinLawsonBenefitsEmployeeSelfServiceformoredetails.
**NOTE: Employees age 55 and over can contribute an additional $1,000
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Accident InsuranceAccidentshappenwhenyouleastexpectit.WithAccidentInsurancethroughUnum,youcanstayaheadoftheout-of-pocketexpensesthatmayoccurduetoanon-workrelatedinjury.AccidentInsuranceprovidesalumpsumpaymentbasedontheaccidentorinjuriessustained,soyoucanbepreparedfinancially.Thebenefitispaiddirectlytoyou,andyoudecidethebestwaytospendit.It’sthatsimple.Whetherit’stopaymedicalexpenses,themortgage,carpayments,orevenutilitybills,youdecide.
OtheradvantagesofAccidentInsuranceincludethefollowing:
— You’llreceivecashbenefitsforexpensesthatmaynotbecoveredunderyourmedicalinsurance.
— Therearenohealthquestionstoanswer.
— Youcaninsureyourspouseandchildren.
— Thereisnolimittotheamountofaccidentsyoucanclaimunderthepolicy(withexceptiontopolicyrules).
Toseethebenefitforeachtypeofinjury,gotoLawsonBenefitsEmployeeSelfService.
Critical IllnessIfyou’rediagnosedwithanillnessthatiscoveredbythisinsurance,suchasheartattack,stroke,andcancer,youcanreceiveabenefitpaymentinonelumpsum.Youcanusethemoneyhoweveryouwant,forinstancetohelpcoverout-of-pocketexpenseslikeco-paysanddeductibles.Youcanusethecoveragemorethanonceifyouhaveadifferentconditionlater,andyoucancoveryourspouseandchildren.Formoredetails,seeLawsonBenefitsEmployeeSelfService.
Keep Your Smile Bright with Dental Coverage Yourteethandgumsdeservetheverybestcare.That’swhyCentraoffersdentalcoveragethroughAnthemBlueCrossandBlueShield.Thedentalplanoffersservicestokeepyourteethhealthyandcleanandfixanyproblemsassoonastheyoccur.Chooseanin-networkdentisttotakeadvantageoflowerout-of-pocketcosts.
Dental Benefits Dental Plan
Deductible(percalendaryear)
Individual $50
Family $150
CalendarYearMaximum(perperson) $1,000
CoveredServices
Preventive&Diagnostic(Routineexams,cleanings,andX-rays)
100%covered,nodeductible
BasicServices 80%afterdeductible
MajorServices 50%afterdeductible
OrthodontiaforDependentChildren 50%afterdeductible,uptoa$1,500lifetimemaximum
RolloverBenefit* Upto$250
*The Rollover Benefit allows you to carry over a portion of your unused benefit to the following year. To qualify, you must have filed under $500 in claims during the benefit year. This benefit can be used in future years as well.
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Take a Look at Vision CoverageThevisionplanincludesbenefitsforeyeexams,eyeglasses,andcontactlensesthroughEyeMed.YoumayvisitadoctorwithintheEyeMednetworkandtakeadvantageofhigherbenefitscoverage,orvisitanout-of-networkproviderofyourchoiceforareducedbenefit.Keepinmind,whenyouvisitanout-of-networkprovider,youwillpaymoreforservices.
Vision Service Level of Coverage
Benefit Frequency
Exam:Onceperplanyear
Lenses:Onceperplanyear
Frames:Onceperplanyear
Contact Lenses:Onceperplanyear
Plan Features In-Network Out-of-Network Benefit
Exam $10copay Planpaysupto$50
Prescription Glasses
Frames Planpaysupto$100 Planpaysupto$50
Lenses $25copay
Single Vision:Planpaysupto$35
Bifocal: Planpaysupto$50
Trifocal:Planpaysupto$65
Progressive:Planpaysupto$65
Contacts (Medically Necessary) $0copay:paidinfull Planpaysupto$210
Extra SavingsYourplanalsofeaturessavingsforsunglasses,KidsEyesbenefit,discountsoffreplacementglasses,hearingaids,anddiabeticeyecare.
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2019 Bi-Weekly Health Insurance Rates
Medical Surcharges
— If your spouse is eligible for medical coverage through another employer but you choose to cover them under Centra’s medical plan, you will pay an additional $50.00 per bi-weekly pay period.
— Tobacco users will pay $24.92 more per bi-weekly pay period for medical coverage.
— Centra is committed to helping you achieve your best health status. If you think you might be unable to meet a standard for a discount, you might qualify for an opportunity to earn the same discount by different means. Contact us at 434-200-7993, and we will work with you to find a wellness program with the same discount that is right for you.
Dental
Coverage LevelDental Plan
Full-Time Part-TimeA
EmployeeOnly $3.22 $6.42
Employee+1Child $8.69 $16.28
Employee+Children $8.69 $16.28
Employee+Spouse $8.80 $15.44
Employee+Family $10.65 $20.42
Vision
Coverage LevelVision Plan
Full-Time Part-TimeA
EmployeeOnly $2.85 $2.85
Employee+1Child $4.62 $4.62
Employee+Children $4.62 $4.62
Employee+Spouse $6.13 $6.13
Employee+Family $8.41 $8.41
Medical
Full-Time Employee OnlyEmployee + 1
ChildEmployee +
ChildrenEmployee +
SpouseEmployee +
Family
Basic $40.18 $91.39 $119.79 $133.74 $199.11
Open $112.11 $192.26 $234.77 $266.83 $374.60
HDHP $34.85 $70.78 $91.56 $100.75 $154.35
Part-Time A Employee OnlyEmployee + 1
ChildEmployee +
ChildrenEmployee +
SpouseEmployee +
Family
Basic $62.36 $111.66 $134.34 $153.03 $215.89
Open $141.09 $219.16 $260.16 $291.63 $396.20
HDHP $46.18 $85.45 $103.58 $114.57 $167.11
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Disability Income ProtectionCentrarecognizestheimportanceofyourfinancialwell-beingintheeventofadisability.Mostofusinsureourhomes,automobiles,andotherassets,yetweoftenoverlookourmostvaluableasset–ourabilitytoearnanincome!Yourregularmonthlyobligationssuchasyourmortgageorrent,utilitybills,food,andothernecessities,continueevenifyouareunabletowork.Centraoffersshort-termandlong-termdisabilityoptionstofull-timeemployees.
Voluntary Short-Term Disability (STD)
Afteryouhavemetyourelectedwaitingperiod,theSTDplanprotectsyourincomeifashort-terminjuryorillnesspreventsyoufromworking.YourExtendedIllnessBank(EIB)canhelpcoverthedaysofyourwaitingperiod.YouhavetwoSTDoptionstoconsider,asshownbelow.
Long-Term Disability (LTD)
Long-termdisabilitycoveragetakesoverafter90daysofdisability.ToqualifyforLTD,youmustbeunabletoperformtheregulardutiesofyourjob.YouhavetwoLTDoptionstoconsider,asshownbelow.
Disability Insurance
Waiting Period
Coverage Duration
Benefit Amount Cost
Short-TermDisability
VS14 14daysFrom14daysto11weeks
60%ofbasesalary(upto$1,500perweek)
$.713per$10ofweeklybenefit
VS30 30daysFrom30days
to9weeks60%ofbasesalary
(upto$1,500perweek)$.485per$10ofweekly
benefit
Long-TermDisability
1 90daysUptonormal
retirementage
60%ofbasesalary(upto$10,000per
month)100%Company-Paid
2 90daysUptonormal
retirementage
662/3%ofbasepay(upto$10,000per
month)Youpaytheadditionalcost.
Pre-Existing Condition Exclusion
Thepolicieswillnotcoverillnessorinjuriesforwhichyoureceivedtreatmentwithin3monthspriortoyourcoverageeffectivedateifyoufileaclaimforthatillnessorinjuryinthefirst6monthsafteryourcoverageeffectivedate.
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Basic Life and AD&D Insurance
Providingeconomicsecurityforyourfamilyisamajorconsiderationinpersonalfinancialplanning.Intheeventthatyoubecomedisabled,seriouslyinjuredorill,ordie,youwillwanttobeprepared.CentraprovidesyouwithBasicEmployeeLifeandAccidentalDeathandDismemberment(AD&D)InsurancecoveragethroughUnumatnocosttoyou.YouautomaticallyreceivelifeandAD&Dcoverageintheamountof1xyourbaseannualpay(atthetimeofyourdeath).—Iftheamountisover$50,000,thebenefitistaxableandwillbereportedas“imputedincome”onyourpaycheck.
Voluntary Life Insurance
Youalsohavetheopportunitytopurchaseadditionallifeinsuranceforyourself,yourspouse,andyourchildrenatgrouprates.ThechartbelowdescribestheamountsofadditionalVoluntaryLifeInsuranceyoumaypurchase.
Voluntary Life Insurance
Employee Spouse Children
AmountCovered 1to4xbaseannualpay$5,000,$10,000,$15,000,
$20,000,or$50,000$2,500,$5,000,
$7,500,or$10,000
AgeReductions35%reductionatage6550%reductionatage70
Coverageisreducedto50%oftheoriginalamountwhenthe
Spouseattainsage70.
Coverageavailablefrombirthuntilage19,orage25,
ifafull-timestudent.
Voluntary AD&D Insurance
CentraalsooffersyouachancetochooseVoluntaryAD&DInsuranceintheamountofupto10xyourbaseannualearningstoamaximumof$500,000.Youcanpurchasecoverageforyourfamilymembers:
Coverage Option Benefit
SpouseOnly 50%ofemployeebenefit
Spouse&ChildrenSpouse–40%ofemployeebenefit
EachChild–5%ofemployeebenefit
ChildrenOnly EachChild–10%ofemployeebenefit
Life and AD&D Insurance
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RetirementWhole Life Insurance
Foradditionalfinancialprotection,youmaypurchaseWholeLifeInsurancethroughUnumforyourselfand/oryourchildrenorgrandchildren.WholeLifeInsuranceprovidesflexiblebenefits,andallowsyoutoadjustyourdeathbenefit,cashvalue,andpremiumsasyourfinancialneedschange.Youcanalsousethispolicy’sLivingBenefitsduringyourlifetime.
Applyingforcoverageissimple,andunderwritingiseasy.Individualpoliciesareavailabletoemployeesoverage18andforchildrenunder25yearsold.WholeLifeInsurancepremiumscanbepaidthroughpayrolldeductions.Keepinmindthatyoucantakethiscoveragewithyouifyouchangejobsorretire.
FormoreinformationabouttheWholeLifeInsuranceplan,visitwww.unum.com.Save for the Future with Matching Tax Deferred Savings Plan
Savingforthefutureisatoppriorityinsmartfinancialplanning.That’swhyCentrasponsorsMatchingTaxDeferredSavingsPlansforemployees:a401(k)planforPCHPemployeesanda403(b)forallotherCentraemployees.Employee Contributions
After30daysofemployment,eligibleemployeesareautomaticallyenrolledinthe403(b)planatacontributionrateof3%ofyourpay.ThereisnoautoenrollmentprovisioninthePCHP401(k)plan.EligibleemployeesshouldcallTransamericaorgotowww.trsretire.comtoenroll.
ParticipantsmaycontributeuptotheannualIRSlimitinpre-taxearningsunderbothplans,andthoseage50orolderareeligibletomakeanadditionalcatch-upcontributionuptotheIRSlimits.Youcanincrease,decrease,orstopyourcontributionsatanytimetoeitherplanbycontactingTransamerica.RemembertologontoLawsonBenefitsEmployeeSelfService(BESS)todesignateoneormorebeneficiaries.
Centra Contributions
Underbothplansandaftersixmonthsofemployment,Centrawillbeginmakingamatchingcontributionof100%ofthefirst3%ofpayyoucontribute.Youareimmediatelyvestedinthosecontributions.Dependingontheperformanceoftheorganization,Centramayalsomakeanannualdiscretionarycontributionofupto4%ofyourbasepayonyourbehalf.Employeeseligibleforthisbasecontributionbecomefullyvestedafterthreeyearsofemployment.
Other Tax Deferred Savings Plans
457b Deferred Compensation Plan
Aselectgroupofmanagementandhighlycompensatedemployeesareeligibleforthisnonqualifiedsavingsplan.Centradoesnotmakeemployercontributionstotheplan.RefertotheSummaryPlanDescription(SPD)postedinLawsonBenefitsEmployeeSelfServiceforcompletedetails,andvisitwww.trsretire.comforanyquestions.
Manageyourinvestmentsatwww.trsretire.com.Ifautomaticallyenrolled,yourcontributionsareinvestedinTRowePriceTargetDateFunds,butyoucanchangeinvestmentsatanytime.PortfolioXpressisalsoofferedasaninvestmentservicetoadjustyourinvestmentsasyougetclosertoyourretirementdate.
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Long Term CareCentraoffersemployeesworkingatleast24hoursperweekachancetopurchaseLongTermCareInsurance.Ifyouenrolloutsideoftheinitialperiod,youwillberequiredtoprovideproofofgoodhealthtogetcoverage.EnrolldirectlythroughUnumbycalling800-227-4165orlogonto:www.unuminfo.com/centrahealth/enrollment.aspx.
Plans Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
BenefitDuration 3Years 5Years 3Years 5Years 3Years 3Years
FacilityBenefitAmount $3,000 $3,000 $6,000 $6,000 $3,000 $6,000
AssistedLivingFacility% 100% 100% 100% 100% 100% 100%
LifetimeMaximum $108,000 $180,000 $216,000 $360,000 $108,000 $216,000
ProfessionalHomeandCommunityCare
100% 100% 100% 100% 100% 100%
InflationProtection N/A N/A N/A N/A Compound Compound
*Ifyouselectedaninflationoption,andyouterminatethatinflationoptionatafuturedate,youcanpurchasetheinflatedcoverageamountatyouroriginalage.
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Take a Break with Paid Time Off Centraoffersavarietyofpaidprogramstoencourageyoutorestandrelaxawayfromyourjob.Youcanusethetimeaccruedafterthreemonthsofemploymentforvacation,holidays,illness,orpersonaltime.ThemaximumamountofPTOthatmaybeaccruedthroughouttheyearis300hours.AccrualratesforthemajorityofCentraemployeesarebasedonyearsofserviceperthefollowingschedule:
Years of Service Accrual RateHours Accrued
per 80 Hours Paid
PTO days per Year Based on 80 Hour Paid
Bi-Weekly
0-5 0.0923 7.3846 24
5-10 0.1115 8.9231 29
10-15 0.1231 9.8462 32
15-20 0.1308 10.4615 34
20-25 0.1346 10.7692 35
25+ 0.1385 11.0769 36
See the Paid Time Benefits Policy in the online Centra policy manual for more information.
Youcandonatehourstoco-workerswhoaregoingthroughacrisisortotheUnitedWayandtheCentraFoundation.RefertotheEarnedTime/PaidTimeOffDonationPolicyintheCentrapolicymanualfortheprocedure.
Centra Recognized Holidays
PTOmustbesubmittedtobepaidforanyofthefollowingholidaysonwhichanemployeedoesnotwork:
— NewYear’sDay— Easter— MemorialDay— IndependenceDay(July4)— LaborDay— ThanksgivingDay— ChristmasDay
Extended Illness Bank (EIB)
Centraoffersavoluntaryprogramofpaidleavetimeforextendedillnesses.Employeescanconvertupto40hoursina12-monthperiodtotheaccount.Centrawillprovideanadditionalmatchday-for-day.EIBtimemayonlybeusedforanemployee’sownillnessafteranemployeeisabsent6ormoredays(maximumof40hours)ofregularscheduledwork.The5daywaitbeforeEIBtimecanbeusediswaivediftheemployeeishospitalizedorhassurgery(in-patientorout-patient)andwillbeabsent6ormoredays.YoucanfindtheconversionformontheHRHomepageunderBenefits>EmployeeAdvantages.
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Questions? Ask the ExpertsBenefit Provider Telephone Web Site
Medical
PiedmontCommunityHealthPlan
Group#5200701
888-674-3368 www.pchp.net
PrescriptionDrugs
CVS/Caremark
RxBIN:004336;RxPCN:ADV;RxGRP:RX6925
844-460-8768 www.caremark.com/wps/portal
SpendingAccounts HealthEquity 866.346.5800 www.healthequity.com
AccidentInsurance Unum 800-635-5597 www.unum.com
CriticalIllness Unum 800-635-5597 www.unum.com
Dental
AnthemBlueCrossandBlueShield
Group#843294
866-956-8607 www.anthem.com/mydentalvision
VisionEyeMed
Group#1008295866-800-5457 www.eyemed.com
Life/AD&DInsurance Unum 866-679-3054 www.unum.com
WholeLifeInsurance Unum 800-635-5597 www.unum.com
VoluntaryShortTermDisability
Unum 888-673-9940 www.unum.com
Long-TermDisability Unum 888-673-9940 www.unum.com
LongTermCare Unum 800-227-4165www.unuminfo.com/centrahealth/enrollment.
aspx
403(b)SavingsPlan&401(k)SavingsPlan
Transamerica 800-755-5801 www.trsretire.com
The information in this guide gives you a brief summary of the benefits you can currently choose through the Centra Choices Benefits Program. Centra may change benefits in whole or in part at any time.
All benefits are governed by legal documents and insurance contracts. If there is any discrepancy between this description and the official plan documents and contracts, the documents and contracts will determine the benefits. For purposes of ERISA, this brochure serves as a Summary of Material Modification for all the applicable Summary Plan Descriptions.
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Centra Medical Benefits Plan Non-Discrimination Notice Discrimination is Against the Law
TheCentraMedicalBenefitsPlancomplieswithapplicableFederalcivilrightslawsanddoesnotdiscriminateonthebasisofrace,color,nationalorigin,age,disability,orsex.TheCentraMedicalBenefitsPlandoesnotexcludepeopleortreatthemdifferentlybecauseofrace,color,nationalorigin,age,disability,orsex.
The Centra Medical Benefits Plan
— Providesfreeaidsandservicestopeoplewithdisabilitiestocommunicateeffectivelywithus,suchas:
— Qualified sign language interpreters— Written information in other formats (large print, audio, accessible electronic formats, other
formats)— ProvidesfreelanguageservicestopeoplewhoseprimarylanguageisnotEnglish,suchas:
— Qualified interpreters— Information written in other languages
If You Need These Services, Contact Brenda Johnson.
IfyoubelievethattheCentraMedicalBenefitsPlanhasfailedtoprovidetheseservicesordiscriminatedinanotherwayonthebasisofrace,color,nationalorigin,age,disability,orsex,youcanfileagrievancewith:BrendaJohnson,BenefitsManager,1920AtherholtRoad,Lynchburg,VA24501;phone434-200-7668,fax434-200-7410,emailbrenda.johnson@centrahealth.com.Youcanfileagrievanceinpersonorbymail,fax,oremail.Ifyouneedhelpfilingagrievance,BrendaJohnsonisavailabletohelpyou.YoucanalsofileacivilrightscomplaintwiththeU.S.DepartmentofHealthandHumanServices,OfficeforCivilRightselectronicallythroughtheOfficeforCivilRightsComplaintPortal,availableathttps://ocrportal.hhs.gov/ocr/portal/lobby.jsf,orbymailorphoneat:U.S.DepartmentofHealthandHumanServices,200IndependenceAvenueSW.,Room509F,HHHBuilding,Washington,DC20201,800-868-1019,800-537-7697(TDD).
Complaint forms are available at: http://www.hhs.gov/ocr/office/file/index.html