BENEFITS REFERENCE GUIDE JULY 1, 2016 – JUNE 30, 2017PIT – 7/2016 2 HOME LIFE BENEFITS Page ... *If you have any difficulty using the website, try logging in and enrolling from

PIT

B E N E F I T S R E F E R E N C E G U I D E J U L Y 1 , 2 0 1 6 – J U N E 3 0 , 2 0 1 7

https://cedars-sinai.mybenefitchoice.com/Portal/Home

Benefits Portal at Cedars-Sinai.MyBenefitChoice.com – Bookmark it for easy access! PIT – 7/2016 1

HIGH VALUE AT THE HEART Your Comprehensive Benefits PackageCedars-Sinai is committed to the health and wellbeing of our employees. Our benefits program helps you meet your goals for a healthy lifestyle, and provides superior care for you and your family when you need it. The passion for providing high-value care to our patients begins with providing high-value care for our staff.

HEALTHCARE BENEFITS Page

Medical Benefits ■ Shared expense between you and Cedars-Sinai ■ You may choose from 3 Anthem plans – the Blue Cross PPO, Blue Cross HMO or Vivity Premier HMO ■ Medical premiums include pharmacy benefits

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Dental Benefits ■ Shared expense between you and Cedars-Sinai ■ You may choose either the DeltaCare USA (similar to an HMO) or Delta Dental PPO

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Voluntary Vision Benefits

■ Employee paid through payroll deduction ■ Vision exams and prescription eyewear through Vision Service Plan (VSP)

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Wellbeing Program

By taking healthy actions, you can earn rewards: ■ HealthFund – Employees enrolled in a Cedars-Sinai sponsored medical plan can earn HealthFund money

by taking healthy actions. You can use the money to pay for eligible healthcare expenses. ■ Raffles and more – All employees can participate (whether or not enrolled in a Cedars-Sinai medical plan).

Earn points for healthy behavior, then spend your points on fitness trackers, gift cards, charity donations and more.

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FLEX SPENDING ACCOUNTS

Health Care Reimbursement Account

■ You can contribute up to $2,550 (pretax) through payroll deduction from 7/1/2016 – 6/30/2017 ■ Helps reduce the cost of out-of-pocket healthcare expenses

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Dependent Care Reimbursement Account

■ You can contribute up to $1,500 (pretax) through payroll deduction from 7/1/2016 – 6/30/2017 ■ Helps reduce the cost of dependent care expenses (childcare, dependent adult care) so you can work

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FINANCIAL PROTECTION BENEFITS

Basic Group Life Insurance

■ Cedars-Sinai paid ■ Cedars-Sinai provides $50,000 of life insurance for you

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Voluntary Life Insurance

■ Employee paid through payroll deduction ■ You can purchase additional life insurance for yourself, your spouse and/or children

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Basic Group AD&D Insurance

■ Cedars-Sinai paid ■ Cedars-Sinai provides $50,000 of accidental death & dismemberment insurance for you

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Voluntary AD&D Insurance

■ Employee paid through payroll deduction ■ You can purchase additional accidental death & dismemberment insurance for yourself (and your family)

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STD Insurance ■ Cedars-Sinai paid ■ Cedars-Sinai provides 70% of basic weekly earnings in short term disability insurance for you

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Basic Group LTD Insurance

■ Cedars-Sinai paid ■ Cedars-Sinai provides 70% of basic monthly pay in long term disability insurance for you

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HOME LIFE BENEFITS Page

Auto & Home Insurance

■ Employee paid; payroll deduction or other payment methods available ■ Personal auto and/or home insurance

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Pet Insurance ■ Employee paid; payroll deduction or other payment methods available ■ Insurance for veterinary fees

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Legal Plan ■ Employee paid through payroll deduction ■ Pay a flat monthly amount for legal services through Hyatt Legal Plans (limits apply)

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RETIREMENT BENEFITS403(b) Plan ■ Employee paid through payroll deduction

■ You can contribute up to the IRS maximum (pretax) each year ($18,000 in 2016); if 50 or older, you can contribute an additional $6,000 (pretax) each year

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SICA + PAID TIME OFF BENEFITSPaid Time Off Residents and fellows have 2 non-accruing time-off benefits:

■ SICA – Each 1/1, you receive a 40-hour* sick leave bank (SICA) ■ Other time off – Each academic year, you are entitled to 20 days of paid time off to cover vacations and

holidays, and if your SICA bank is used up, sick time or medical or family leave ■ Additional benefits vary by training program.

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Enrollment ChecklistFor new employees on page 3.

Eligibility and Enrollment Starting on page 5.

Workplace Perks Tuition Assistance, Recreation Connection, Credit Union, Work & Life Matters, Rideshare, Cellular Discounts and Employee Referrals on page 32.

Payroll CalendarsIncluding holidays on page 38.

BENEFIT QUESTIONS? Ask the

MBC HR Benefits Help Desk Phone: 888-302-3941 Fax: 206-299-3158 Email: [email protected] Web: Cedars-Sinai.MyBenefitChoice.com Hours: Open Monday – Friday 6 AM to 5 PM PT (Closed major holidays)

Si tiene preguntas de los beneficios que le ofrece Cedars-Sinai o de como enrolarse a ellos, el Centro de Ayuda MBC HR tiene representantes en Español para asistir con cualquier duda o pregunta. Favor de llamar al 888-302-3941 o mande un correo electrónico a [email protected].


mailto:[email protected]


mailto:MBC.cshs%40milliman.com?subject=



Benefit Question?

Visit the Benefits Portal atCedars-Sinai.MyBenefitChoice.com– your go-to place for everythingbenefits in one, convenient stop:

■ Easy access to benefits information ■ Link to retirement plans ■ Log in to enroll

(use company key CSHS)

Your benefits at your fingertips

Now you can access benefit information on our new benefits app!

Search “CS Benefits” and download the app from your mobile device store.

CS Benefits

2 Within 30 days enroll in healthcare, insurance and FSA

You have 30 days from your date of hire or becoming eligible for benefits to enroll.

Enroll for healthcare, insurance and Flex Spending AccountsOnline: Cedars-Sinai.MyBenefitChoice.com* By phone: 888-302-3941

Coverage options for you and your family:

Medical + prescription drug benefits ■ Cedars-Sinai pays for most of the premium −

you pay only a small portion through payroll deduction; to keep coverage affordable, premiums are based on pay rates (see page 17)

■ When enrolling in medical, if you select an HMO you can also enroll with your PCP at that time (see page 13)

■ Health Advocate can help you compare and choose between health plans options and identify network doctors and providers. See page 16 for details.

Dental benefits for yourself and family

Voluntary vision benefits

Voluntary employee life insurance

Voluntary spouse life insurance

This is your ONLY opportunity to apply for voluntary life insurance without insurer approval, for coverage up to*:

■ You: 2 x annual base pay (or $2 million max)

■ Spouse/DP: $50,000 (or 50% of your coverage, if less)

*For new employees + newly-benefit eligible only

Voluntary child life insurance

Voluntary AD&D insurance

Designate beneficiaries for: ■ Basic group life insurance ■ Basic group AD&D insurance ■ Voluntary employee life insurance ■ Voluntary AD&D insurance

Legal plan

FSA – Health Care Reimbursement Account to help you save on out-of-pocket healthcare expenses

FSA – Dependent Care Reimbursement Account to help you save on child or dependent adult care expenses that make it possible for you to work

ENROLLING FOR BENEFITS – CHECKLISTIf you’re new to Cedars-Sinai, welcome! Besides your wages, Cedars-Sinai offers valuable compensation in the form of healthcare, life insurance and disability benefits for you and your family, as well as retirement benefits for your life after work. For most benefits, coverage is not automatic; you must enroll to be covered. Follow these steps to enroll:

*If you have any difficulty using the website, try logging in and enrolling from your home computer or tablet, or call the MBC HR Benefits Help Desk at 888-302-3941 and they can enroll you over the phone.

1 Activate your My CS-Link™ account

My CS-Link is a secure online tool that connects you to your personal health information at Cedars-Sinai.

Access your personal health information: If you are a patient at Cedars-Sinai, My CS-Link allows you to communicate with your physician, request appointments and access test results.

Access employee health services information: Complete your employee health services annual clearance questionnaire in My CS-Link before visiting with the Employee Health Services nurse (starting early May 2016).

To activate your My CS-Link account go to: Patients.MyCSlink.org

■ Select “New User”

■ Enter your access code as it appears on your enrollment letter or email; if you don’t have one, you may request one online

■ Create your ID, password and password hint

Get the My CS-Link app! (After you have activated your My CS-Link account.) From your mobile provider’s store, search “Cedars-Sinai My CS-Link.”)




https://patients.mycslink.org



3 Enroll in the 403(b) Plan

There’s no waiting period. Enroll any time!

The 403(b) Plan is a voluntary retirement savings plan that allows you to save for retirement on a pretax basis. You decide how much to contribute (up to IRS limits) and it is transferred directly from your paychecks to your plan account.

Enroll in the 403(b) Plan

Designate 403(b) Plan beneficiaryEnroll online: Cedars-Sinai.Prepare4MyFuture.comEnroll by phone: 800-584-6001

Voya Financial representatives can meet with you and help with investment education and retirement planning. Call for an appointment.

Contact the Voya Financial CSMC officePhone: 310-423-0974Location: CSMC Ray Charles Cafeteria, Suite 1631 A

Open weekdays, regular business hours

4 Apply for MetLife auto & home or pet insurance

Enroll anytime*

As part of our comprehensive benefits offerings, Cedars-Sinai makes it possible for you to purchase auto, home or pet insurance at group rates.

Apply for MetLife auto, home or pet insurance Enroll online: MetLife.com/MyBenefitsEnroll by phone: 800-438-6388

Because you may apply any time (not just during benefit enrollment periods), Cedars-Sinai has authorized MetLife information about these policies to you quarterly.

*To receive the Cedars-Sinai discount and pay the premiums through payroll deduction, you must wait and apply 30 days after your hire date or becoming eligible for benefits. (Before then, MetLife doesn’t have a record of you being a Cedars-Sinai employee.)

Update your contact information Don’t miss out on important updates! If you have moved or cancelled your land line, let us know. Cedars-Sinai must be able to contact you and send you information about your job and benefits.

Update your information from the Cedars-Sinai intranethome page (web.csmc.edu):

> AdministrAtive (at the top)> HumAn resources

> my Profile

> Select: EmployEE AddrEss phonE ChAngE Form.

Submit the form:

■ From a work computer – electronically

■ If not at a work, print it and mail to: Cedars-Sinai HR Records Department 8700 Beverley Blvd. 50 N, Suite 350 Los Angeles, CA 90048

Questions?Call HR Records at 310-423-5526.


https://cedars-sinai.prepare4myfuture.com/emadmin/landingpage.action

https://mybenefits.metlife.com/MyBenefits/public/ssi/cookieTest.do

http://web.csmc.edu



Who can enroll? If you are a benefits-eligible employee who is regularly scheduled to work 20 or more hours per week, or an employment service agreement employee, you can enroll in the benefits described in this booklet.

Healthcare, Insurance and Flex Spending Account eligibility The following types of employees are not eligible, or have limited eligibility for benefits:

■ If you are a per diem, limited benefits or “non-benefited” employee, you may enroll yourself (and eligible family members) in the Blue Cross HMO on a self-pay basis but are not eligible for the HealthFund or any other healthcare, wellbeing, insurance or Flex Spending Account benefits. You’re eligible for SICA, but no other paid time off benefits.

■ If you are part-time (regularly scheduled to work less than 20 hours a week), a visiting scientist, a temporary employee, classified as A5, A6 or AZ in the Cedars-Sinai payroll system, working on a project basis, you are not eligible for healthcare, wellbeing, insurance or Flexible Spending Account benefits. You’re eligible for SICA, but no other paid time off benefits.

Choice Retirement Program Eligibility The following types of employees are not eligible to participate in the Choice Retirement Program:

■ Per diem employees hired after June 30, 1989

■ “Non-benefited” employees

■ Physicians-in-training (house officers, fellows, PhD graduate students).

May I enroll my family?If you are eligible for benefits and you enroll, you may cover your spouse or domestic partner and children, as defined below and on the next page.

Spouse You may cover your opposite or same-sex spouse, as long as you provide evidence of marriage. Otherwise, you are required to meet the criteria for domestic partnership and complete a domestic partner affidavit.

Domestic Partner Under Cedars-Sinai policy, domestic partners are defined as 2 adults (same or opposite sex) who reside together, sharing their lives in an intimate and committed relationship with a mutual obligation of support. For your domestic partner to be eligible for benefits, you must either:

■ Be legally registered as domestic partners, or

■ Complete a domestic partner affidavit, which you can get from the MBC HR Benefits Help Desk or online at Cedars-Sinai.MyBenefitChoice.com, and meet all of the following criteria:

− Have been sharing a common residence* for at least 6 months and intend to do so indefinitely

− Are not related by blood to a degree of closeness that would prohibit marriage

− Have assumed mutual responsibility for basic living expenses

− Are at least age 18 and capable of consenting to the domestic partnership

− Are not married to anyone else or in a declared domestic partnership with anyone else.

*Although you don’t have to show proof of common residence or evidence of joint responsibility for basic financial obligations to enroll, the insurance company may require it before paying claims.

(Continued)

ELIGIBILITY AND ENROLLMENT Q&A

To cover your family members for medical benefits, you must provide their Social Security Number or Federal Tax ID Number. Or, when enrolling on Cedars-Sinai.MyBenefitChoice.com, you may complete the pop-up screen indicating why you will not be providing it.






(Domestic Partner eligibility continued)

If you’re in a new domestic partnership, your domestic partner (and children) become eligible for benefits on the date you:

■ Have lived together for 6 months, or

■ Received your state-issued domestic partnership certification.

Within 30 days from the date your domestic partner becomes eligible, you must:

■ Enroll online at Cedars-Sinai.MyBenefitChoice.com (from the Benefits Portal home page Benefits Enrollment Site > ViEw your BEnEFits > mAkE ChAngEs > CrEAtE liFE EVEnt > Select “domestic PArtner – new”)

■ Enroll by calling the MBC HR Benefits Help Desk at 888-302-3941.

For your domestic partner’s coverage to become effective, you must submit your state-issued domestic partnership certificate or completed Cedars-Sinai Domestic Partnership Affidavit to the MBC HR Benefits Help Desk by the Documentation Due Date (see below).

The Cedars-Sinai Domestic Partnership Affidavit is posted on the Benefits Enrollment website. After logging in, click: gEt AnswErs > EnrollmEnt & EligiBility > AFFidAVit oF domEstiC pArtnErship.

Documentation due date – 45 daysBe sure your family members are eligible before you enroll

them. When you enroll a family member, you must provide

documentation showing they are eligible (such as a birth

certificate, marriage certificate, etc.).

For the enrollment to become effective, you must submit

the required documentation 45 days from your benefit

start date; see whEn doEs CoVErAgE stArt? on page 9.

Contact the MBC HR Benefits Help Desk if you have questions:

Phone: 888-302-3941

Email: [email protected]

Children You may cover your own or your current spouse’s/domestic partner’s biological children, stepchildren, adopted children, children placed with you for adoption, children for whom you are the legal guardian and children a court has ordered you to cover under your healthcare plan, who are under age 26.

Children age 26 and older can be covered if, in addition to meeting the above requirements for children under age 26, all of the following apply:

■ A doctor certifies in writing that they are incapable of getting a self-supporting job because of a physical or mental condition (and the certification is approved by the insurance company), and

■ They are unmarried and chiefly dependent on you, your spouse or domestic partner for support and maintenance, and

■ They have 6 months of creditable coverage or were already covered under Cedars-Sinai benefits on their 26th birthday.

You must submit the doctor’s certification to the insurer/benefit provider within 30 days of request (or a later deadline, if provided by the insurance company). To continue coverage, you may have to provide the doctor’s certification once a year.

Family or Dependents Not EligibleYou cannot enroll the following family members, even if they otherwise meet the eligibility requirements:

■ Other family members (like parents, aunts, etc.), even if they are legal dependents

■ Stepchildren from a previous marriage*

■ Grandchildren*

■ Foster children*

■ Family members in active service of the armed forces of any country or subdivision of any country

■ Family members living outside the United States (outside the 50 states, the District of Columbia, the Commonwealth of Puerto Rico, the US Virgin Islands, the Northern Mariana Islands, Guam and American Samoa).

*Unless you or your (current) spouse/domestic partner are their legal guardian or a court order (QMCSO) requires you to cover them.






When can I enroll in or change healthcare, insurance and Flex Spending Account benefits?

■ Within 30 days of being hired or first becoming eligible for benefits, or upon rehire or reinstatement

■ During Annual Enrollment for healthcare, insurance and Flex Spending Account benefits (held in May)

■ Within 30 days of having a qualified life event that changes your eligibility for benefits.

If you miss the enrollment deadline(s), you will have to wait until next

year’s Annual Enrollment to enroll or change benefits.

What’s a qualified life event? It’s a situation that allows you to change some or all of your healthcare, insurance or Flex Spending Account benefits outside of the normal enrollment periods.

Healthcare, insurance and Flex Spending Account benefit elections run from July 1 (or, for new employees, from the first day of the month following your hire date) to the next June 30. Generally, you cannot change benefits during the July 1 to June 30 period, unless you have a qualified life event or special enrollment rights. Qualified life events are listed in the next column.

If your family or job status changes, resulting in a change in you

or your family’s eligibility for benefits, it’s your responsibility to

make the change online at Cedars-Sinai.MyBenefitChoice.com

(Benefits Enrollment Site > ViEw your BEnEFits > mAkE ChAngEs)

or to notify the MBC HR Benefits Help Desk at 888-302-3941.

Benefit Changes – Action Required!

You have 30 days following any of these qualified life events to change your coverage.

Make the change online at Cedars-Sinai.MyBenefitChoice.com

or by calling 888-302-3941 or emailing [email protected].

■ Childbirth, adoption or placement for adoption (See Will my newborn baby be automatically covered by the plan? on the next page.)

■ New spouse or child (in this situation, you may enroll yourself and family members if never enrolled)

■ Domestic partner becoming eligible for benefits (meeting criteria on page 5, including living together for 6 months)

■ Family members becoming eligible

■ Child losing eligibility (turning 26)

■ Death of spouse/domestic partner or child

■ Divorce, legal separation, annulment or end of domestic partnership*

■ Involuntary loss of other healthcare coverage (for reasons other than failure to pay the premiums)

■ Gaining healthcare coverage under another employer’s plan (including enrolling in your spouse’s/domestic partner’s employer’s plan during their annual/open enrollment)

■ Medicare enrollment

■ Significant increase in healthcare premiums or decrease in benefits

■ Changes in employment status that affect eligibility status

■ Change in residence so that you are no longer in the HMO provider area (California)

■ Judgment, decree or order requiring coverage for dependent(s) (including Qualified Medical Child Support Orders).

*You cannot cover your ex-spouse under Cedars-Sinai plans. If your divorce decree requires you to cover your ex-spouse, you’ll have to purchase a policy for your ex-spouse elsewhere. COBRA will be offered if your ex-spouse had coverage under your benefits and Cedars-Sinai is notified within 60 days of the divorce.

You have 60 days following these events to change your coverage:

■ Gaining premium assistance through Medicaid or a state Children’s Health Insurance Plan (CHIP)

■ Losing Medicaid or CHIP coverage.

Life or job changes = benefit changesMake sure you change your benefits to match your new situation in time.

You have 30 days after the qualified life event to change

your benefits online at Cedars-Sinai.MyBenefitChoice.com

(Benefits Enrollment Site > ViEw your BEnEFits > mAkE ChAngEs) or

by calling the MBC HR Benefits Help Desk at 888-302-3941. If you

don’t enroll, your eligible family members won’t be covered.








How do I change my benefits if I have a qualified life event?Within 30 days of the life event you may either:

■ Make the change online at Cedars-Sinai.MyBenefitChoice.com. From the Benefits Portal home page, log in to the Benefits Enrollment Site and go to mAkE ChAngEs > CrEAtE liFE EVEnt, and then select the life event that matches your situation; you’ll be permitted to change only the benefits that apply to your situation).

You will be asked to upload documentation supporting the change (for example a birth certificate, divorce decree or marriage certificate)

OR

■ Contact the MBC HR Benefits Help Desk (at 888-302-3941 or email [email protected]) to report the change and have them enter the change into the enrollment system for you.

Documentation deadlineYou have 45 days to submit required documentation.

■ Upload them to the benefits enrollment site

■ Fax or mail them to the MBC HR Benefits Help Desk.

− Fax: 206-299-3158

− Mail: Cedars-Sinai HR Benefits Help Desk P.O. Box 91109 Seattle, WA 98111

If the documents are not received within 45 days from the date

benefits start, coverage will not become effective.

Why can’t I change my benefits any time? Because the IRS considers healthcare and Flex Spending Account benefits tax-free compensation, it sets the rules about when employees can enroll in and change benefits. Cedars-Sinai must follow these rules so employees can receive the tax breaks. Otherwise, the IRS could take away the plans’ tax-free status, and all employees would owe income tax, employment taxes and penalties on the cost of healthcare benefits. We’re strict about following these enrollment rules to protect your tax advantages.

Will my newborn baby be automatically covered by the plan?No!

You have 30 days from birth to enroll your child. You must enroll your newborn, even if you’re covered by the medical plan and birth is covered by the medical plan.

See How do I change my benefits if I have a qualified life event? (to the left) for enrollment instructions.

What if I don’t enroll my new child (or make the qualified life event change) in 30 days?Your next opportunity to enroll your child or make the election changes will be during Annual Enrollment in May for coverage starting the next July 1.

To avoid a lapse in coverage in the interim, you might be able to enroll your child in a state marketplace health plan; these plans allow changes up to 60 days after a qualifying life event. Visit CoveredCA.com (or Healthcare.gov) for more information.

Can I be enrolled in 2 medical plans?No double Cedars-Sinai coverage – If you, your spouse/domestic partner and/or child work at Cedars-Sinai and enroll as an employee, you cannot be enrolled as a dependent at the same time; children can be enrolled under only one parent’s coverage. If double covered, Cedars-Sinai will cancel one of the coverages.

Coordination of Benefits – People often mistakenly think that with dual coverage, the secondary plan will pay everything the primary plan does not cover – but that’s not how it works.

If covered by more than one medical or dental plan (such as both your and your spouse’s employer plan), usually the plans work together so the total payment (from both plans) equals the total benefits from the plan with the higher benefits.

The plan that covers you as an employee will be primary and the other plan pays benefits only if it covers a higher benefit. For example, if the employer plan covers 80% and the other plan covers 90% of the allowed amount, the employer’s plan pays 80% and the other plan pays 10%. If both plans cover 80%, the other plan pays 0%.

Neither plan pays more than the allowed amount (which is the maximum the insurance company pays for a healthcare service). Rules are different for Medicare and some other situations. See the Anthem booklet or Delta booklet for details about your plan.




http://www.coveredca.com

https://www.healthcare.gov



What happens if I don’t enroll?

Healthcare, Insurance and Flex Spending Accounts

You’ll be automatically provided with employer-paid:

■ Group Basic Life Insurance

■ Group Basic Accidental Death & Dismemberment Insurance (AD&D)

■ Group Basic Short Term Disability Insurance (STD)

■ Group Basic Long Term Disability Insurance (LTD).

You WON’T be covered under these Cedars-Sinai-sponsored benefits:

■ Medical and prescription drug coverage

■ Dental Benefits

■ Voluntary Vision

■ Health Care Reimbursement Account (Flex Spending Account)

■ Dependent Care Reimbursement Account (Flex Spending Account)

■ Voluntary Life Insurance

■ Voluntary AD&D Insurance

■ Legal Plan

■ MetLife Auto & Home Insurance

■ Pet Insurance.

Retirement

You can enroll at any time in the 403(b) Plan to take advantage of tax-deferred retirement savings. Unless you enroll yourself, you will not participate.

When does coverage start? ■ Annual Enrollment for healthcare, insurance and Flex Spending

Account benefits is held Monday, May 2 – Monday, May 30, 2016. Your enrollment choices and changes will be effective July 1, 2016* to June 30, 2017. You must re-enroll in the Flex Spending Accounts each Annual Enrollment to continue to participate.

■ New Employee Enrollment – Medical Benefits start your date of hire (if you enroll). The rest of your benefits start the first day of the month following your date of hire.

■ Qualified life events or changing to a benefit-eligible position – If you change your healthcare or insurance benefits because of a qualified life event or new job status, your new benefits start the first day of the month after the life event.*

*Exception for birth, adoption or placement of a child for adoption in your home – In these situations, if you enroll your new child (and yourself and eligible family members if not already covered) within 30 days of birth/placement, medical, dental and voluntary vision coverage will be retroactive to the birth or placement date; if you enroll in other benefits, coverage starts the first day of the next month.

*Exceptions for life and disability insurance:

■ Insurers require employees to be actively at work (and family members must not be disabled or hospitalized) for coverage to start. If not actively at work when coverage is scheduled to start, your life insurance, AD&D, STD and LTD insurance coverage may be delayed until you return to work. See the insurance company booklets for more information.

■ If you apply for voluntary life insurance for yourself or your spouse/domestic partner, amounts requiring insurer approval start the first day of the month after receiving insurer approval (or July 1, if later, for Annual Enrollment changes).

■ During your first 12 months of coverage, the STD and LTD plan does not cover conditions you’ve had for 3 months before your coverage started, but it will cover new conditions. See the insurer booklet for more information.

For benefit plan summaries and everything you need to

know about your benefits, go to the Benefits Portal at:

Cedars-Sinai.MyBenefitChoice.com.





Do I pay income taxes on my healthcare benefits?Usually, no. Although your employee benefits are part of your total compensation from Cedars-Sinai, what Cedars-Sinai pays for your healthcare benefits coverage is not treated as income and isn’t taxed (except as noted below).

Also, the amounts deducted from your paycheck for your share of healthcare premiums are paid on a pretax basis. You don’t usually owe income taxes on the part of your salary used to pay these premiums.

If you cover your domestic partner (and his or her children who are not legally your children), you may owe federal and state income taxes on the cost of their healthcare coverage. The amount you and Cedars-Sinai pay for their coverage will be added to your paycheck monthly as “imputed income.” Social Security and Medicare taxes (but not federal or state income taxes) will be withheld on this imputed income. You may want to withhold additional amounts to cover the federal or state income taxes you would owe on the imputed income. If you have questions, please contact the MBC HR Benefits Help Desk at 888-302-3941 or email [email protected].

Do I need to take action during Annual Enrollment if I’m not making any changes?Yes! Annual Enrollment is a perfect opportunity to:

Make sure Cedars-Sinai has your current address and phone number. Update your contact information on the Cedars-Sinai intranet (from the home page > AdministrAtive > humAn rEsourCEs > my proFilE.

Consider if you have the right healthcare benefits for your current needs. Annual enrollment is your once-a-year opportunity to add, drop or switch plans, or enroll or drop eligible family members from:

■ Medical benefits ■ Dental benefits ■ Voluntary Vision benefits

Do you want to reduce your out-of-pocket healthcare and/or dependent care expenses? Enroll in the:

■ Health Care Reimbursement Account ■ Dependent Care Reimbursement Account

Do you have the right life and disability insurance for your current life and family situation? You can purchase (or drop):

■ Voluntary Employee Life Insurance ■ Voluntary Spouse Life Insurance ■ Voluntary Child Life Insurance

New or increases in life insurance coverage require a health questionnaire and insurer approval.

■ Voluntary AD&D Insurance for yourself (and family)

Do you need help drafting a will? Or want peace of mind knowing you have legal help if you need it? Consider enrolling in the Legal Plan.

Make sure your life and AD&D Insurance beneficiaries are up to date. You can check your coverages and beneficiaries and make benefit changes online at Cedars-Sinai.MyBenefitChoice.com.

If you don’t have a computer or have any difficulty using the website, call the MBC HR Benefits Help Desk at 888-302-3941 and they can make your changes over the phone.






WHEN YOU CAN ENROLL IN OR CHANGE BENEFITSENROLLMENT TYPE

BENEFIT PLANS COVERED

ENROLLMENT PERIOD

BENEFITS START

COVERAGE PERIOD

Annual Enrollment

Once-a-year opportunity to change benefits

■ Healthcare plans: Medical, Dental, Voluntary Vision

■ HealthFund ■ Insurance plans:

Voluntary Life and/or AD&D Insurance ■ Legal Plan ■ Flex Spending Accounts:

Health Care Reimbursement Account Dependent Care Reimbursement Account

Monday, May 2 – Monday, May 30, 2016

July 1, 2016 ■ July 1 – June 30 ■ FSAs – yearly

re-enrollment required

New Employee Enrollment

■ Healthcare plans ■ Insurance plans ■ Flex Spending Accounts

Within 30 days after hire date

First day of the month after date of hire (if you enroll)

Through the next June 30

Enroll Anytime ■ 403(b) Plan ■ MetLife Auto & Home Insurance ■ MetLife Pet Insurance

Enroll anytime Varies by plan Stop anytime

Qualified Life Events

Situations that allow you to change some of your healthcare, insurance and FSA benefits outside of the enrollment periods

Changes that must be made within 30 days of the event:

■ Child’s birth, adoption or placement for adoption

■ Family member becomes eligible ■ Child no longer eligible (reaches age 26) ■ Death of spouse/domestic partner or child ■ Divorce, legal separation, annulment or

termination of domestic partnership ■ Medicare enrollment ■ Gaining or involuntarily losing of other group

healthcare coverage ■ Significant increase in healthcare premiums

or decrease in healthcare benefit ■ Marriage/domestic partnership

(meeting criteria on page 5) ■ Moving into or out of HMO service area ■ Going on or returning from an unpaid leave

of absence ■ Judgement, decree or court order requiring

coverage

Within 30 days after the life event

First day of the month after the event

For birth and adoption/placement, coverage is retroactive to date of birth or placement

Through the next June 30

Changes that must be made within 60 days of the event:

■ Gaining or losing Medicaid or state Children’s Health Insurance Plans (CHIP) premium assistance

Within 60 days after the event

Action required! To be covered you must take action and enroll

yourself and/or your eligible family members

within 30 days of becoming eligible or

experiencing a qualified life event.

Coverage is not automatic




HEALTHCARE BENEFITSCedars-Sinai is committed to the health and well-being of our patients and employees. Our healthcare benefits are designed to help you meet your goals for a healthy lifestyle, provide superior medical care for you and your family and protect you from catastrophic medical expenses.

MEDICAL BENEFITS Our medical plans offer 2 ways to receive coverage: a Preferred Provider Organization (PPO) plan or Health Maintenance Organization (HMO) plan. Both offer comprehensive medical coverage. So what’s the difference?

An HMO is designed to:

■ Keep your out-of-pocket costs low and predictable.

■ Keep you healthy by having your primary care physician (PCP) coordinate your care. Your PCP focuses on your whole health. This includes preventive care, guiding you through the healthcare system when you need a specialist or hospital care, and working with you to make decisions about your health.

A PPO offers greater flexibility when it comes to choosing doctors and other healthcare providers, but the trade-off is you will usually pay more out-of-pocket.

How PPOs Work ■ You can see any licensed provider for covered medical services.

■ You and the plan share costs. The chart to the left shows what you pay out of pocket (in addition to your monthly premiums), and what the plan pays. Start at the bottom.

■ You pay less when you receive care from Prudent Buyer (in CA) or BlueCard (outside CA) network doctors and providers.

■ Even though you’re not required to have a primary care physician (like the HMOs), it’s a good idea to have a primary doctor for regular check-ups and to help you manage your care.

Find out more about the medical plansVisit the Benefits Portal at Cedars-Sinai.MyBenefitChoice.com.

Your go-to-place for everything benefits.

■ See About your benefits for benefit plan summaries and insurance company booklets

■ See short videos and articles about how the medical plans work (posted under news and videos)

4 Out-of-pocket maximum – Plan pays 100%If you meet the out-of-pocket maximum limit for the calendar year, the plan pays 100% of your covered medical expenses for the rest of the calendar year.

3 Co-insurance – You and the plan pay ■ In Network – You pay 25% + the plan pays 75% ■ Out-of-Network – You pay 40% + the plan pays 60%

Once the deducible is paid, the plan usually pays a percentage of the charges for medical services and you pay the remainder. The plan pays a higher percentage if you use a doctor or healthcare provider in the PPO network.

You may use the funds in your HealthFund or Health Care Reimbursement Account to help pay your co-insurance.

2 Annual deductible – You pay 100%Each calendar year you must pay the annual deductible before the plan starts covering your medical bills.

You may use the funds in your HealthFund or Health Care Reimbursement Account to help pay your deductible.

1 Preventive care – Plan pays 100%Certain preventive care services are covered 100% without paying the deductible first.

PPO Plan





How HMOs Work ■ For most office visits and medical services, your only charge

is a small fee (a co-payment), usually paid at the time of the appointment.

■ You pay no deductibles or co-insurance.

■ Everyone in an HMO must have a primary care physician (PCP).

■ Your PCP provides general medical care such as annual check-ups, and authorizes referrals to other doctors, specialists and facilities for services your PCP does not provide.

HMOs – PCP Selection is KeyUpon enrolling in an HMO, you’ll choose a primary care physician; you may select any PCP in the HMO network who is taking new patients; for children, you can designate a pediatrician as their PCP.

PCP selection determines which specialists, facilities and hospital you may receive medical services from. Every PCP is part of a group practice that is either:

■ A medical group staffed by a team of doctors, nurses and other healthcare providers. Usually you can see other primary care doctors in the medical group without a referral. (This can be helpful in urgent care situations when your doctor has no openings.)

■ An independent practice association (IPA), which is a group of doctors in private offices who usually have ties to the same hospital. In an IPA, you can see only your primary doctor; you’ll need a referral to see other doctors in the IPA.

Your PCP will refer you only to specialists and facilities who contract with your PCP’s group practice.

Referrals from your PCP requiredIf you need services your PCP doesn’t provide, your PCP authorizes referrals to the appropriate healthcare provider (for instance, imaging centers, labs, hospitals or specialists).

If you get care without a referral from your PCP (or your PCP’s medical group) you will likely have to pay for those expenses yourself. However, you don’t need a referral from your PCP or the HMO:

■ To get mental health or substance abuse services from another provider within your HMO’s network

■ For OB/GYN specialist care within your medical group. The OB/GYN may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan or procedures for making referrals.

Vivity referrals 7-System Super Medical GroupIf there isn’t an appropriate specialist in your PCP’s medical group, your PCP may refer you to a specialist at another Vivity health system:

■ Cedars-Sinai ■ UCLA Health ■ PIH Health ■ Good Samaritan Hospital

■ Torrance Memorial Medical Center ■ Huntington Memorial Hospital ■ Memorial Care Health System

Cross-health system referrals are most likely to occur when one of the other health systems has a special expertise.

PCP Selection Q&AMust everyone in my family have the same PCP? No. Each family member may have a different PCP.

How do I find a PCP?Use the Find A Doctor search tool at Anthem.com/CA. (Both the Blue Cross HMO and Vivity Premier HMO are Anthem medical plans.)

When selecting the criteria in the Find a Doctor search tool, you’ll be asked to select a plan/network. Choose either:

■ Blue Cross HMO (CACare) – Large Group ■ Vivity

Be sure to check the box that says “Able to Serve as Primary Care Physician” when selecting the criteria for your search.

When you find a doctor you want to be your PCP, click on the doctor name to see that doctor’s group practice and hospital affiliation(s). Remember, if you need medical services your PCP does not provide, your PCP will refer you to doctors and specialists in that same medical group. You will be referred to facilities that contract with that medical group. You will receive hospital services only from the hospital affiliations listed there (except for emergencies).

To receive Cedars-Sinai hospital services, you must select a PCP

with Cedars-Sinai Medical Group (CSMG) or Cedars-Sinai Health

Associates (CSHA).

If you want help selecting a Cedars-Sinai Medical Group or Cedars-Sinai Health Associates PCP, or for questions about doctors and medical services, call Cedars-Sinai Medical Network Patient Services at 800-700-6424. (Tell the rep you’re a Cedars-Sinai employee.)


https://www.anthem.com/ca/health-insurance/home/overview



Can any type of doctor be my PCP? Your PCP must be an internist, family practitioner or pediatrician who practices as a PCP. Specialists such as cardiologists, orthopaedic specialists or urologists cannot be your PCP under an HMO.

What if I don’t select a PCP when I enroll?If you do not select a PCP when you first enroll, Anthem will assign you to a PCP close to your home. You may change your PCP through Anthem. See the next page for details.

Can I change my PCP?You may change PCPs anytime, as long as you are not in the course of treatment with your current PCP or medical group. Changes will take effect on the first of the following month if requested by the 15th of the prior month. Otherwise the effective date will be the first of the month after. Contact Anthem to change your PCP.

■ Phone: 800-227-3641 ■ Web: Anthem.com/CA

When you find the PCP you want at Anthem.com/CAWrite down these numbers (You’ll need them to select or change your PCP):

PCP ID/ENROLLMENT ID (PAPER/ONLINE): #LL### PCP ID/ENROLLMENT ID (PHONE) :#######

Doctors may be affiliated with more than one HMO network. Be sure the PCP numbers are for the medical group/IPA you want.

If an HMO has a service area, am I covered when I am out of the service area? You are covered for emergency care when you are out of the service area.

If you or a family member will be living outside of California for 90 days or longer, you may be able to get a guest membership in the Blue Cross Blue Shield plan in your temporary home area. Guest membership is offered by all our medical plans, but covers only those living outside California.

The guest membership program offers comprehensive care at the best price available and is ideal for out-of-state college students or a spouse on an extended out-of-the-state work assignment. However, it’s not available everywhere – to inquire, call Anthem’s guest membership coordinator at 800-827-6422.

About 90 days before you want your guest membership to start, call Anthem’s guest membership coordinator at 800-827-6422. (This isn’t a deadline. If you call later, your guest membership may not start until a month or so later.)

2 HMO Options – What’s the difference?The Vivity Premier HMO and Blue Cross HMO share some similar features, such as:

■ You can get care from Cedars-Sinai (as long as you select a Cedars-Sinai Medical Group or Cedars-Sinai Health Associates PCP)

■ Your co-payments will be waived for care provided by a CSMC-billed facility.

The plans also have some important differences, shown in this table. For more details, see page 15.

COMPARING THE HMOsVivity Premier HMO Blue Cross HMO

Employee premiums Lower Higher

Network Vivity CalCare

Service area Los Angeles and Orange Counties California

Out-of-pocket maximum Medical + Rx combined

Medical + Rx

$500$6,100

$1,500$11,700

= Total $500/person $1,500/family = Total $6,600/person $13,200/family

Pharmacy network Anthem (Express Scripts) MedImpact

Need help deciding which medical plan? Try our new health plan comparison tool!

■ Log in Cedars-Sinai.MyBenefitChoice.com ■ Click medicAl section > select A PlAn

■ The Health Plan Comparison Tool will pop up.





PLAN FEATURES ANTHEM VIVITY PREMIER HMO

ANTHEM BLUE CROSS PPO

ANTHEM BLUE CROSS HMO

Type of plan Health Maintenance Organization

Preferred Provider Organization Health Maintenance Organization

Where available Los Angeles and Orange Counties only

Anywhere in the USA and its territories California only

PCP required? Yes No Yes

Referral required? Yes No Yes

Covered Providers In-Network In-Network Out-of-Network In-Network

Vivity Premier HMO network

Prudent Buyer (In CA)

Any licensed provider

CSMG or CSHA PCP

CaliforniaCare HMO network

Access to Cedars-Sinai care?

CSMG or CSHA PCP: Yes

Other PCPs: No CSMC access

Yes No Yes No

Deductibleper calendar year

None $750/person

$2,250/family

$1,500/person

$3,750/family

None None

Out-of-pocket limitper calendar year

$500/person$1,500/family (Med + Rx combined)

$3,000/person $9,000/family (Med only)

$5,000/person$15,000/family(Med only)

$500/person$1,500/family(Med only)

$500/person$1,500/family(Med only)

Covered services All PCPs Co-payment

In-Network Co-insurance

Out-of-Network Co-insurance

CSMG or CSHA Co-payment

Other PCPs Co-payment

Office visit MD/professional

PCP: $20/visitSpecialist: $35/visit

25% 40% PCP: $20/visitSpecialist: $35/visit

PCP: $30/visitSpecialist: $45/visit

Preventive care $0 $0 40% $0 $0

Urgent care center $20/visit* 25%* 40% $20/visit* $30/visit

Emergency roomcopay waived if admitted

$75/visit* $100/visit* + 25%*

$100/visit + 25%

$75/visit* $75/visit

Diagnostic lab/X-ray $0 25%* 40% $10/test* $10/test

Advanced imaging $100/test* 25%* 40% $10/test* $10/test

Outpatient surgery $100/procedure* 25%* 40% $0 $0

Hospital facility

$150/day ($450/admit max)*

$375/admit + 25%*

$375/admit + 40%**

$150/day ($450/admit max)*

$150/day ($450/admit max)

Hospital visit MD/professional

$0 25% 40% $0 $0

*CSMC-billed facility charges waived, including deductibles **Plus allowed amount is reduced by 25% at non-contracting hospitals

Questions about what’s covered? Visit the website (all plans)

■ Anthem.com/CA

Call Vivity Premier HMO ■ 844-659-6878

Call Blue Cross PPO or Blue Cross HMO ■ 800-227-3641 (in CA) ■ 877-800-7339 (outside CA)

Comparing Your Medical Plan OptionsBelow is a high-level summary of each plan’s features and coverage. For a more detailed summary, see each plan’s Summary of Benefits and Coverage (SBCs). If you want even more information, review the plan’s booklet (Summary Plan Description). You can find these documents, and the Uniform Glossary (of health insurance terms), posted on the Benefits Portal at Cedars-Sinai.MyBenefitChoice.com. If you would like a paper copy mailed to your home, contact the MBC HR Benefits Help Desk at 888-302-3941 or [email protected].







Often a trip to urgent care instead of the ER might be better. Getting care in the most appropriate setting helps keep premiums down for everyone.

Common reasons to visit urgent care include: ■ Cold or flu ■ Diarrhea ■ Ear infections ■ Fever or chills ■ Muscle pain

■ Nausea and vomiting ■ Respiratory infections ■ Sore throat or cough ■ Sprains ■ Urinary tract infections

You must follow up with your primary care physician on all services provided through urgent care.

When to go to the ERIf you have a medical emergency, such as a sudden onset of severe pain, bleeding or chest pains, go immediately to the nearest emergency room for care.

If you’re in an HMO and you have a CSMG or CSHA PCP, you can seek care from the CSMG Urgent Care for the same costs as a PCP office visit*. PPO plan participants pay their office visit co-insurance (20%).*

*It’s possible they may waive your co-payment or co-insurance.

Cedars-Sinai Medical Group Urgent CareNo appointment necessary

Weekdays 12 – 9 PM | Weekends 9 AM – 6 PM

8501 Wilshire Blvd, Suite 150Beverly Hills, CA 90211Corner of Wilshire and La Cienega

■ Take the Le Doux shuttle ■ Validated parking from Le Doux Rd

310-248-7000

10100 Culver BlvdCulver City, CA 90232Corner of Culver and Madison

310-423-3333

If you’re in an HMO with a non-Cedars-Sinai PCP and you need urgent care, you must contact your PCP (or PCP’s medical group) and seek care from an urgent care center affiliated with their group practice. The HMO covers urgent care only from your PCP’s medical group or with PCP authorization. To find an urgent care center near home or anywhere in California go to Anthem.com/CA/health-insurance/quickcare/urgentcare.

Urgent Situation – But Not an Acute Emergency?

My CS-LinkYour secure online link to your personal health information

■ Access your personal health information: If you are a patient at Cedars-Sinai, My CS-Link allows you to communicate with your physician, request appointments and access test results.

■ Access employee health services information: Complete your employee health services annual clearance questionnaire in My CS-Link before visiting with the Employee Health Services nurse.

■ Manage your health by syncing data from your personal health device (Withings, Fitbit, etc.) to your My CS-Link account.

Find out more: Patients.MyCSlink.org

Identity Protection Through AnthemIf you’re covered by a Cedars-Sinai sponsored medical plan, your coverage includes identity protection benefits through a partnership between Anthem and AllClear ID, including:

■ Identity Repair – If you become a victim of identity theft, an AllClear ID investigator acts as your guide and advocate until the issue is resolved. Coverage is automatic – no enrollment required.

■ Credit and Identity Theft Monitoring – This extra layer of protection helps you stay informed of your credit activity. Enrollment is required. Once you sign up, AllClear ID sends alerts when banks and creditors open new accounts in your name. If something doesn’t sound right, you’ll be able to immediately contact AllClear ID to help resolve the issue.

Find out more or sign up:

■ Call AllClear ID at 855-227-9830

■ See Anthem’s Frequently Asked Questions http://image.messageinsite.com/lib/fefa107077630c/m/1/ABC_IDPS_Member_FAQ.pdf

Need A Healthcare Advocate?Health Advocate gives personalized assistance to help you:

■ Compare and choose between health plans options and identify network doctors and providers

■ Resolve benefit and claims issues

■ Find services that are not covered by the medical plan

Contact Health Advocate ■ Phone: 866-695-8622

■ Web: HealthAdvocate.com/Cedars-Sinai


https://www.anthem.com/ca/health-insurance/quickcare/urgentcare

https://patients.mycslink.org/mycslink/

http://image.messageinsite.com/lib/fefa107077630c/m/1/ABC_IDPS_Member_FAQ.pdf

http://image.messageinsite.com/lib/fefa107077630c/m/1/ABC_IDPS_Member_FAQ.pdf

https://members.healthadvocate.com/Login.aspx



Medical and Pharmacy Benefits Premiums Cedars-Sinai is keenly aware of the cost pressures in medicine – for hospitals, clinics, doctors and for patients. Rising premiums can place a burden on household budgets, especially for those who can least afford it. As a healthcare organization, it’s important to us that medical coverage remains accessible to all of our employees. The cost of medical benefits is shared between you and Cedars-Sinai; your share is based on your pay rate, the plan you enroll in and which family members you cover. The monthly amount under You Pay is divided in half and taken from 24 of your 26 annual paychecks (or the remaining paychecks until June 30, 2017).

MONTHLY MEDICAL BENEFIT PREMIUMS — JULY 1, 2016 – JUNE 30, 2017

Employee Employee + Spouse/Domestic Partner Employee + Children Employee + Family

You Pay Cedars-Sinai Pays




Pay Rate Under $20.00Vivity Premier HMO $0 $464.19 $0 $1,028.18 $0 $841.52 $0 $1,441.46

Blue Cross PPO $128.00 $685.73 $397.00 $1,393.22 $333.00 $1,131.72 $581.00 $1,941.58

Blue Cross HMO $40.00 $416.49 $76.00 $928.25 $65.00 $756.68 $111.00 $1,304.11

Pay Rate $20.00 – $34.99Vivity Premier HMO $0 $450.19 $0 $1,013.18 $0 $825.52 $0 $1,421.46

Blue Cross PPO $144.00 $669.73 $411.00 $1,379.22 $347.00 $1,117.72 $598.00 $1,924.58

Blue Cross HMO $54.00 $402.49 $92.00 $912.25 $81.00 $740.68 $133.00 $1,282.11

Pay Rate $35.00 – $59.99Vivity Premier HMO $0 $429.19 $0 $983.18 $0 $798.52 $0 $1,389.46

Blue Cross PPO $168.00 $645.73 $445.00 $1,345.22 $378.00 $1,086.72 $639.00 $1,883.58

Blue Cross HMO $76.00 $380.49 $123.00 $881.25 $110.00 $711.68 $166.00 $1,249.11

Pay Rate $60.00 or MoreVivity Premier HMO $0 $401.19 $0 $948.18 $0 $764.52 $0 $1,320.46

Blue Cross PPO $202.00 $611.73 $484.00 $1,306.22 $416.00 $1,048.72 $692.00 $1,830.58

Blue Cross HMO $106.00 $350.49 $160.00 $844.25 $146.00 $675.68 $239.00 $1,176.11

For medical benefit purposes, your pay rate is your hourly rate of pay in the Cedars-Sinai payroll system on April 1 each year, excluding shift differentials. For 12-hour shift employees, your rate is your 8-hour equivalent rate of pay. If you are full-time salaried, it’s your annual salary divided by 2080 (hours). Your hourly pay rate or 8-hour equivalent rate is shown on your personalized Current Benefit Summary or Enrollment Rate Sheet. Your pay rate in effect on April 1 each year (or hire date, if later) determines your monthly premium amount for the next benefit year starting July 1. Your monthly premium amount will not change during the year because of any increase or decrease in your pay rate.




Vivity Premier HMO Rx Benefit through AnthemThe Vivity Premier HMO plan pharmacy benefit is administered by Anthem. You will use your Vivity Premier HMO ID card at the pharmacy.

Vivity HMO Rx Benefit Questions? Contact Anthem (Vivity)Phone: 844-659-6878

Web: Anthem.com/CA

Pharmacy Anthem.com/CA Finder: (Find a Doctor: Vivity > Pharmacy)

* New! At network retail pharmacies 90-day supply for 3 x 30-day supply co-payments

Rx CO-PAYMENTS VIVITY PREMIER HMO ANTHEM Rx Network retail* Home Delivery

30-day supply 90-day supply

Tier 1 Typically genericincludes diabetic supplies

$10 $10

Tier 2 Typically brand formulary

$20 $40

Tier 3 Typically non-brand formulary includes compound drugs (retail only)

$40 $80

Tier 4 Typically specialty medications includes self-injectable (except insulin)

20%$150/max

20%

Out-of-pocket maximum $500/person $1,500/family(Medical + Rx combined)

PHARMACY BENEFITS

Blue Cross PPO + HMO Rx Benefit Questions?Contact MedImpact Phone: 800-788-2949

Web: MedImpact.com/members

PharmacyFinder: MedImpact.com

Rx CO-PAYMENTS BLUE CROSS PPO BLUE CROSS HMOMEDIMPACT Rx 30-day supply 90-day supply 30-day supply 90-day supply

Maintenance medications(Specified)

$0 $0 $0 $0

Generic** $5 $10 $5 $10

Brand formulary** 25%maximum $30

25%maximum $60

$20 $40

Brand non-formulary**

30% maximum $60

30% maximum $120

$35 $70

Specialty $50 Not covered $50 Not covered

Out-of-pocket maximum

$3,600/person $4,450/family $6,100/person $11,700/family(Rx only) (Rx only)

**The following 2 rules apply: ■ If the cost of the drug is less than the co-payment, you pay the cost instead. ■ If you request a brand drug when a generic is available, you pay the brand formulary or brand

non-formulary copayment (whichever the case may be), plus the difference between the brand drug cost and generic drug cost. (In this situation, the cost could be more than the maximum listed above.)

90-day supply available at retail pharmacies and through Walgreens Mail Service.

(Continued)

Blue Cross PPO + Blue Cross HMO Rx Benefit through MedImpact The Anthem Blue Cross PPO and HMO pharmacy benefit is administered by MedImpact. When you are getting prescriptions filled, you’ll need to use your MedImpact ID card and member numbers.

Keep in mind! Under the Blue Cross PPO and HMO, prescription medications are covered only at network pharmacies; specialty medications are covered only at Walgreens Specialty Pharmacy; see the next page for details.

Out-of-network purchases – Vivity/Anthem Rx covers medications purchased from non-network pharmacies; you pay the retail pharmacy co-payment plus 50% of the remaining prescription drug maximum allowed amount plus costs in excess of the prescription drug maximum allowed amount.

Specialty, compound and self-injectable medications are covered only through the specialty pharmacy and may not be available through home delivery. Call the phone number on your Anthem ID card for details.




https://mp.medimpact.com/mp/public/Login.jsp

https://mp.medimpact.com/pharmacyportal/public/Frameset.jsp?forwardUrl=/pharmacyportal/LaunchProduct.do?productcode=PL



Quantity, Age or Gender Restrictions and Step TherapyUnder pharmacy best practices, some types of medications have:

■ Quantity limits – to comply with FDA product label indications ■ Age restrictions – some drugs are approved for adults only ■ Gender restrictions – some drugs are approved for males only/

females only.

If your prescription is not consistent with FDA quantity, age or gender guidelines, MedImpact will not approve filling the prescription without their prior authorization.

Another best practice we use is step therapy – a pharmacy program that requires you to try a generic or preferred medication first (Step 1). If that medication is found to be ineffective or if your Rx history shows that the generic drug was previously dispensed, then the brand or higher cost medication can be dispensed (Step 2). Not all non-preferred or brand medications require step therapy. If your medication is covered under the step therapy program and there is no record of a generic drug previously being dispensed, then you must try the generic first or get prior authorization from MedImpact.

For prior authorization, your physician submits a medication request form stating how your prescription complies with FDA quantity, age or gender clinical guidelines or why you must have the brand name drug without trying the generic first. For a medication request form, your physician’s office should call MedImpact at 800-788-2949.

Walgreens Customer Care

Walgreens Mail Service

866-304-2846 (English)

800-573-1833 (TTY English)

800-778-5427 (En español)

877-220-6173 (TTY en español)

You can get a mail order form by calling Walgreens customer care or online from Walgreens.com/MailService. (When ordering online, be sure to choose the Tempe, AZ facility.)

Walgreens Specialty Pharmacy: 866-202-4014

Automatic Generic Substitution ■ To help contain the high cost of prescription

drugs, the pharmacy automatically substitutes a generic drug for the prescribed brand drug if a generic is available and can be safely and effectively substituted.

■ If there is no generic equivalent, you’ll receive the brand drug and pay the brand formulary or brand non-formulary co-payment.

■ If you tell the pharmacist you want the brand drug rather than the generic, you’ll pay the brand formulary or brand non-formulary co-payment PLUS the difference between the brand drug cost and the generic drug cost.

■ If your doctor writes the prescription for the brand medication and specifies “Do Not Substitute” on the Rx, you’ll pay only the brand formulary or brand non-formulary co-payment.

Maintenance MedicationsMaintenance medications for the following conditions are covered under the Blue Cross PPO and Blue Cross HMO for $0 co-payment:

TYPES OF MAINTENANCE MEDICATIONSGeneric Only Generic or Brand

AnginaAnticoagulantsAnticonvulsantsAntidepressantsAntipsychoticsArrhythmiasAsthmaChemical DependencyDiabetes

High CholesterolHypertensionImmunosuppressive drugsInfluenzaMalariaObesityOsteoporosisStroke Prevention

AspirinBowel PreparationsBreast Cancer preventionFluorideFolic AcidImmunizationsPrenatal VitaminsSmoking deterrentsWomen’s contraceptives

90-Day Supply for Ongoing MedicationsYou can obtain a 90-day supply of maintenance medication through a MedImpact network pharmacy or the mail service program with Walgreens. Remember to ask your doctor to write the prescription for a 90-day supply.

Walgreens Specialty PharmaciesYou can pick up your specialty medication at a Walgreens Specialty Pharmacy or you can receive your medications via delivery to your home, workplace, physician’s office or any other designated location. For additional information, contact Walgreens Specialty Pharmacy at 866-202-4014.

Blue Cross PPO + Blue Cross HMO Rx Benefit (continued)


https://www.walgreens.com/topic/s/mail-service-pharmacy.jsp?SL_ClientGroup=1



DENTAL PLAN OPTIONS

DELTACARE USA DELTA DENTAL PPO DELTA DENTAL PPO 50% CLOSED TO NEW ENROLLMENT

Type of Plan Dental Maintenance Organization Preferred Provider Organization Preferred Provider Organization

Where Available Only if you live in California Anywhere in the USA Anywhere in the USA

Dental Network DeltaCare USA Delta Preferred Option Delta Preferred Option

Is it Necessary to Select Your Primary Dentist?

Yes No No

Calendar Year Benefit Limit None $2,000/person $1,000/person

Calendar Year Deductible None $50/person $150/family No deductibles for preventive and diagnostic

$50/person $150/familyNo deductibles for preventive and diagnostic

Preventive & Diagnostic Servicescheck-ups, X-rays, cleanings, etc.

No co-payment No charge (up to UCR*) plus any charges over the UCR

20% co-insurance (up to UCR*)plus any charges over the UCR

Basic Servicesfillings, root canals, extractions, oral surgery and periodontal surgery, etc.

No co-payment for most services 10% co-insurance (up to UCR*)plus any charges over the UCR


Major Servicescrowns, bridges, surgery for implants

Co-payment for most major services; see benefit booklet for details



Orthodontiafor adults and children

$1,600 to $1,800 co-payment, plus $350 start-up fee

50% co-insurance (up to UCR*) to lifetime maximum of $1,800 plus any charges over the UCR

Not covered

*UCR means Usual, Customary and Reasonable – charges for services charged by most dentists in your geographic area.

MONTHLY DENTAL BENEFIT PREMIUMS — JULY 1, 2016 – JUNE 30, 2017Employee Only Employee + Spouse/

Domestic PartnerEmployee + Child(ren) Employee + Family

You Pay C-S Pays You Pay C-S Pays You Pay C-S Pays You Pay C-S Pays

DeltaCare USA (HMO) $5.00 $13.13 $10.00 $21.12 $7.00 $24.34 $12.00 $33.16

Delta Dental PPO $21.00 $44.51 $32.00 $83.59 $28.00 $101.98 $59.00 $125.16

Delta Dental PPO 50% (closed) $8.00 $29.23 $14.00 $52.04 $10.00 $56.49 $19.00 $78.19

DENTAL BENEFITSYour dental plan options are similar to your medical plan options: the DeltaCare USA Plan, which is an HMO-type plan or the Delta Dental PPO Plan. (The Delta Dental PPO 50% Plan is closed to new enrollment.) The table below shows your out-of-pocket charges for covered dental care.

DeltaCare USA: ■ When you enroll, you select a primary dentist from the DeltaCare

USA network.

■ You must see your primary dentist for all basic dental care. If you need specialty dental care, you must get a referral from your primary dentist. Otherwise, the dental care is not covered by the plan.

■ There is no annual deductible or annual plan limits (except for orthodontia). This plan pays 100% of preventive care and for most other services, you pay a co-payment.

Delta Dental PPO: ■ You can see any licensed dentist or dental specialist.

■ If you see a Delta PPO dentist, the amount the dentist charges the plan is lower, so you pay a percentage of a lower fee (compared to a non-PPO dentist).

■ You must pay the annual deductible and a percentage of the charge for covered dental services. The plan has an annual maximum amount it will pay.

Questions about what’s covered? ■ Delta Dental PPO & PPO 50%: 800-765-6003 ■ DeltaCare USA (HMO): 800-422-4234 ■ DeltaDentalIns.com


https://www.deltadentalins.com



SERVICE VSP DOCTOR OUT-OF-NETWORK REIMBURSEMENT

Eye ExamsCovered once every 12 months

Plan Pays100% of charge after the co-payment

Plan PaysUp to $50 reimbursement

You Pay$10 co-payment

You Pay$10 co-payment plus any charge over $50

Prescription Glasses or Contacts for Vision Correction

Lenses Covered once every 12 months (instead of contacts)

Plan Pays100% of charge after the co-payment (single vision, lined bifocal, lined trifocal and lenticular)

Plan PaysReimbursement up to:

■ $50 for single vision lenses ■ $75 for lined bifocal lenses ■ $100 for lined trifocal lenses ■ $125 for lenticular lenses

You Pay$10 co-payment*If you select lens options and frames that exceed the VSP allowance, you pay the difference

You Pay$10 co-payment plus any charge over the reimbursement amount above

FramesCovered once every 24 months

Plan PaysFrame of your choice covered up to $150 (plus you receive 20% off any out-of-pocket costs)


You PayIf you select lens options and frames that exceed the VSP allowance, you pay the difference

You PayAny charge over $70

OR

Contact LensesCovered once every 12 months (instead of lenses and frames)**

Plan PaysUp to $150 allowance




Fitting & Evaluation Plan PaysAmounts over $60

Plan Pays$0 (included in $105 above)

You PayUp to $60 co-payment

You PayAny charge over $105 above

*$10 co-payment applies to both lenses and frames.**You are eligible for frames 12 months from the date contacts were obtained.

VOLUNTARY VISION BENEFITSYou can purchase vision coverage for yourself and your eligible family members from VSP. You'll receive a higher benefit if you use VSP providers. Your VSP vision care co-payments and reimbursement amounts are listed below.

Using your vision plan – VSP ■ No ID cards necessary ■ Find a VSP doctor at VSP.com ■ Make an appointment with a VSP provider and tell

them you’re covered by VSP ■ Get your co-payments reimbursed using the

Health Care Reimbursement Account (see page 24).

Questions about what’s covered? ■ 800-877-7195 ■ VSP.com

MONTHLY VOLUNTARY VISION PREMIUMSYou Pay C-S Pays

Employee Only $8.01 $0.00

Employee + Spouse/DP $16.05 $0.00

Employee + Children $17.16 $0.00

Family $27.43 $0.00


https://vsp.com

https://vsp.com



WELLBEING PROGRAMMany people think about “wellness” in terms of physical health only. The word evokes thoughts of nutrition, exercise, blood pressure and sleep. But wellness is much more than just physical health. It’s a complex integration of factors that, when balanced, leads to higher quality of life. To encompass this more expansive approach, experts today speak of wellbeing rather than the more limited wellness

Our Wellbeing program’s objective is to help you cultivate broadbased wellbeing that springs from health across 7 dimensions:

■ Emotional wellbeing is the ability to freely feel and express the full range of human emotions, to love and be loved and to achieve a sense of fulfillment in life. Onsite programs: Mindful Meditation, Transforming Stress, Tai-Chi, Headspace (gym membership for the mind).

■ Environmental wellbeing means to protect the environments in which we live and work collectively, including the earth and our worksite. Onsite programs: Rideshare, Safety Net, Safety Competency Committee.

■ Intellectual wellbeing includes an openness to new ideas, motivation to master new skills and a sense of humor, creativity and curiosity. Onsite programs: Toastmasters Cedars-Sinai Club, training courses and workshops, Organization Development & Learning (ODL), Grand Rounds.

■ Occupational wellbeing means contributing your unique talents and skills to work that is meaningful and rewarding, as well as being responsible financially. Onsite programs: Cedars-Sinai Career Center, Career Development/Counseling, Cedars-Sinai retirement program and planning, pre-retirement coaching, tuition assistance program.

■ Physical wellbeing requires a commitment to healthy behaviors like being active, eating right and managing stress. Onsite programs: On-campus fitness classes, Bike to Work program, community gym/fitness discounts, weight management classes, smoking cessation program, healthy nutrition options at work (Mindful and healthy vending machines).

■ Social wellbeing is the ability to successfully interact with others by learning good communication skills, developing intimacy, and creating a support network of friends and family. Onsite programs: Friendship Project, Work & Life Matters, Recreation Connection.

■ Spiritual wellbeing is the commitment to a set of guiding values that give direction to your life and provide a sense of purpose – whether through nature, art, music, religion, meditation, good deeds or something else that’s meaningful to you. Onsite programs: Volunteer Services Program, Employee Giving Program, Spiritual Care Department, and Mindfulness Meditation.

Cedars-Sinai Support To help you on your path to wellbeing, we offer a number of programs, opportunities and financial incentives:

■ Onsite programs – each of the 7 dimensions descriptions has a brief list; you’ll find complete lists under Employee Wellness Program on the Cedars-Sinai Intranet

■ HealthFund – earn money to spend on healthcare expenses by completing certain, defined healthy activities (see next page for details)

■ Jiff app – use this fun mobile-based app to design your own wellbeing goals and earn points to spend on fitness trackers, gift cards and charity donations. Details coming this summer!

Wellbeing on the Cedars-Sinai IntranetFor details and more:

Cedars-Sinai Intranet: AdministrAtiVE > EmployEE wEllnEss progrAm

Contact Employee Wellness Program

Email: [email protected]

EMOTIONAL

SPIRITU

AL

ENVIRO

NMENTAL

PHYSICAL

SOCIAL

INTELLEC

TUAL

OCCUPA

TIONA

L

7DIMENSIONSof WELLBEING


mailto:Wellness%40cshs.org?subject=Wellbeing%20on%20the%20Cedars-Sinai%20Intranet



HEALTHFUNDTo encourage you on the path to wellbeing, Cedars-Sinai offers generous incentives. When you participate in certain healthy activities, you earn rewards!

Each year we re-evaluate the HealthFund program and the required activities to see what’s working, what’s not and identify changes to make the program even better. This summer we’ll be rolling out program changes. Keep an eye out for details.

HealthFund ContributionIf enrolled in a Cedars-Sinai medical plan, you can earn a HealthFund contribution by taking healthy actions. The required actions for 2016-2017 will be announced this summer.

The total contribution you can earn each year is determined by your pay rate. For 2016-2017, contribution maximums are:

Hourly Pay Rate Cedars-Sinai Contribution

Under $20.00 Up to $300

$20.00 – $34.99 Up to $300

$35.00 – $59.99 Up to $150

$60 or more Up to $150

The contribution is made to your HealthFund account the month after you complete the required activity.

Your account is with ConnectYourCare, our HealthFund administrator. (They also administer the FSAs.) You can access your account information by going to their website: ConnectYourCare.com or by using the ConnectYourCare mobile app.

Spending Your HealthFundThere are hundreds of expenses eligible to be paid from your HealthFund, including co-payments at your doctor or dentist’s office. (See page 26 for a short list of common expenses.)

To help you spend the funds, ConnectYourCare will send you a healthcare payment card.

Use your healthcare payment card at doctors’ offices, pharmacies, hospitals, labs or outpatient facilities and approved merchants (such as grocery store pharmacies).

Visit ConnectYourCare.com/tools/merchants/ to find merchants accepting the healthcare payment card.

Note – this is an opt-in system; not all healthcare providers accept healthcare payment cards.

Find out more about the Healthcare payment card on page 25.

No healthcare payment card?If you don’t have it with you when you need it or it hasn’t yet arrived – no problem. The card’s not required to spend the money in your account. You can:

■ Pay with a personal credit card or another form of payment

■ Submit a claim to ConnectYourCare − On their website at ConnectYourCare.com − Using the ConnectYourCare mobile app

■ And you’ll be reimbursed from your HealthFund.

Providing Proof It’s An Eligible Healthcare ExpenseBecause income taxes are waived on HealthFund contributions, ConnectYourCare must verify that every expense is eligible.

■ Sometimes when you use your healthcare payment card, the expense can be automatically verified.

■ Sometimes you will need to submit proof that the expense was eligible – even when using the healthcare payment card.

How Do You Know You Need To Submit Proof? ■ Email (or letter) from ConnectYourCare ■ Opt-in for text alert after using your healthcare payment card ■ Check your account at ConnectYourCare.com

The main benefit of the healthcare payment card is convenience: it allows you to pay the provider directly from your HealthFund instead of paying out of pocket, filing a claim and then waiting for reimbursement.

Whether you pay with your own money or use your healthcare payment card, always keep the itemized receipt in case additional documentation is requested later.

The itemized receipt must show: ■ Merchant or provider name and address ■ Name of person receiving the service ■ Item purchased or service received ■ Date of purchase or service ■ Amount of purchase or service

For prescription drugs you must also include the: ■ Prescription number (for medications) ■ Copy of the prescription

For over-the-counter medications you must also provide a copy of the prescription from your doctor.

You must submit any documentation that has all of the items listed above, for instance an Explanation of Benefits from the insurance company. Credit card receipts are NOT an accepted form of documentation!


http://www.connectyourcare.com

http://www.connectyourcare.com/tools/merchants/




BENEFIT YEAR MINIMUM + MAXIMUM CONTRIBUTIONS CLAIMS RUN-OUT PERIODJuly 1, 2015 – June 30, 2016

■ HCRA minimum: $120/year ■ HCRA maximum: $2,550/year

■ DCRA minimum: $120/year ■ DCRA maximum: $1,546/year

Sept. 28, 2016 You have 90 days following the end of the benefit year to submit claims for reimbursement to ConnectYourCare.

July 1, 2016 – June 30, 2017

■ HCRA minimum: $120/year ■ HCRA maximum: $2,550/year

■ DCRA minimum: $120/year ■ DCRA maximum: $1,500/year

Sept. 28, 2017

FLEX SPENDING ACCOUNTSFSAs allow you to take money you’d pay in taxes and spend it on eligible healthcare and dependent care expenses. You can participate in either or both the:

When You Can Enroll ■ Within 30 days of being hired or

becoming eligible for benefits

■ Within 30 days of a qualified life event making you eligible for the DCRA or HCRA

■ During Annual Enrollment, held each year during May, for participation from the next July 1 to the following June 30.

FSA Rules to NoteFSA participation ends every June 30 – FSA participation does not roll over from year to year. You must re-enroll in the accounts each May during Annual Enrollment to participate the next year.

Use-it-or-lose-it rule – Estimate conservatively; you must incur the expenses during the benefit year and submit the claim by the claims run-out deadline – 90 days after the end of the benefit year. You can carry over up to $500 in HCRA funds to the next year; unspent HCRA funds over $500 are forfeited. There is no DCRA rollover; any unspent DCRA money at the end of the benefits year is forfeited.

DCRA or federal tax credit – The IRS also provides a tax credit for deductible dependent care expenses. You need to determine which program saves you more money. See IRS Publication 503 for details about the federal tax credit.

DCRA contribution limits – Because the DCRA provides tax breaks, the IRS requires an annual nondiscrimination test to make sure higher-paid participants (those earning $120,000 or more a year) do not disproportionately benefit from the plan. Depending on test results, Cedars-Sinai might need to take corrective action to ensure the plan passes the test. This means the maximum annual contribution might be reduced mid-plan-year, and your contributions would stop when they reached the limit. For 2016-2017, the maximum DCRA contribution is currently set at $1,500 (which could potentially be reduced to ensure the plan passes the test).

HCRA contribution limits – The maximum HCRA contribution is set by law. Currently it’s $2,550 per benefit year.

HEALTH CARE REIMBURSEMENT ACCOUNT (HCRA)The HCRA offers you a way to potentially save up to 30% on eligible out-of-pocket healthcare expenses, such as medical, dental and voluntary vision co-insurance and co-payments, prescription drugs, glasses/contacts/LASIK and orthodontia. Many over-the-counter medications and supplies are reimbursable, but some OTC medications require a prescription from a doctor. To see a list of reimbursable expenses, go to: ConnectYourCare.com/Tools/Eligible-Expenses (FSA Eligible Expenses).

DEPENDENT CARE REIMBURSEMENT ACCOUNT (DCRA)The DCRA offers you a way to reduce your eligible dependent care expenses (childcare, adult daycare, elder care) on a pretax basis. You can participate if you pay someone to care for these dependents so you can work:

■ Child(ren) under age 13

■ Elder parent or disabled dependent incapable of self-care.

You can use the DCRA for daycare, in-home childcare and after-school care. It can include non-medical nursing or nurse’s aide services and/or home care. For more on eligible dependent care expenses, go to: ConnectYourCare.com/Tools/Eligible-Expenses. (Dependent Care Assistance Program (DCAP) Eligible Expenses).


http://www.connectyourcare.com/tools/eligible-expenses/




Healthcare Payment Card for HealthFund and HCRA ExpensesIf you receive a HealthFund contribution or enroll in the Health Care Reimbursement Account (HCRA), you’ll be issued a prepaid healthcare payment card.

A healthcare payment card works like a debit card. When you have qualified eligible expenses at a physician’s office, healthcare provider or merchant that accepts healthcare payment cards, simply use your card. The amount of your qualified purchases will be deducted – automatically – from your account, and electronically transferred to the provider/merchant for immediate payment.

Because both accounts use the same card, if you have both a HCRA and a HealthFund account, the funds will be taken from the HCRA first (because the HealthFund rolls over from year to year). Once your HCRA account balance is depleted, funds will be withdrawn from your HealthFund.

The healthcare payment card eliminates having to pay out-of-pocket and waiting for reimbursement. Instead you use the money in your account directly. If you don’t have your payment card with you, you can still pay with your own money (or personal credit card) and submit the receipts to ConnectYourCare for reimbursement.

Always save itemized receipts – even when you use your healthcare payment card. You may be asked to submit receipts to verify that your expenses comply with IRS guidelines. (If documentation is requested by ConnectYourCare, our administrator, and you aren’t able to provide it, you may have to repay your account.)

Keep Your Healthcare Payment Card When you use it up, don’t throw it out. Healthcare payment cards are reloaded each year.

Where You Can Use Your Healthcare Payment CardPhysicians’ offices ■ Dental offices ■ Medical facilities■ Hospitals ■ Opticians/optometrists

If your provider accepts healthcare payment cards (not all providers do), you can use your healthcare payment card for co-payments, co-insurance and provider invoices.

Merchants ■ Pharmacies ■ Grocery stores

You can use your healthcare payment card at merchandise stores/grocery stores that can identify eligible expenses at the checkout. For an up-to-date list of stores accepting healthcare payment cards, visit ConnectYourCare.com/stores.

Claims questions – FSAs + HealthFundAsk ConnectYourCare

■ 877-292-4040 ■ ConnectYourCare.com

How Our FSAs WorkAlthough each account is separate and money cannot be interchanged between the accounts, they generally work the same way:

1. Determine the amount you’d like to contribute for the benefit year. For help estimating your eligible expenses, use ConnectYourCare’s online tax savings calculator: ConnectYourCare.com/Tools/Calculators/Employee-FSA-Savings-Calculator.

For minimum and maximum contribution amounts, see the table on the previous page.

If you need assistance, contact:

■ MBC HR Benefits Help Desk at 888-302-3941 ■ ConnectYourCare at 877-292-4040

2. Enroll in one or both of the accounts on Cedars-Sinai.MyBenefitChoice.com.

3. Your annual contribution amount is divided by the number of pay periods with benefit deductions; 24 if you start on July 1, otherwise, the remaining number of pay periods in the benefit year.

The contributions are transferred from your paycheck before taxes are calculated and deposited tax-free into your HCRA and/or DCRA account(s) with ConnectYourCare, our FSA administrator. You never pay taxes on this money.

You can access your FSA accounts by going to their website: ConnectYourCare.com or by using the ConnectYourCare mobile app.

4. When you incur an eligible expense:

HCRA expenses – Use your healthcare payment card to pay the merchant or provider.

DCRA and HCRA expenses – Pay the expense and submit a claim to ConnectYourCare for reimbursement (via their smart phone app, website, fax or mail); ConnectYourCare will take the money from your account and direct-deposit it into your checking account or send you a check for the expense.


http://www.connectyourcare.com/tools/merchants/


http://www.connectyourcare.com/tools/calculators/employee-fsa-savings-calculator/

http://www.connectyourcare.com/tools/calculators/employee-fsa-savings-calculator/





HEALTHFUND AND HCRA COMPARISONYou may have noticed that the new HealthFund is similar to the HCRA – and you’re right, they are. Both accounts allow you to use un-taxed funds to pay for eligible healthcare expenses. But there are also some important differences. Here is a comparison:

Feature HealthFund Health Care Reimbursement Account (HCRA)

Who funds the account Cedars-Sinai Employee

Purpose Incentive for participating in the wellness program Reduce the cost of out-of-pocket healthcare expenses (by paying with untaxed earnings from your HCRA )

Eligible expenses Both plans cover nearly the same expenses: ■ Healthcare deductibles and co-payments/co-insurance ■ Prescription drugs ■ Dental and orthodontia ■ Vision – glasses, contact lenses, vision correction surgery ■ Acupuncture and chiropractic care ■ Public transportation to and from a healthcare facility to receive healthcare services

For a complete list, visit ConnectYourCare.com/cyc2/expenses.htmlClick on HRA Eligible Expenses Click on FSA Eligible Expenses

Use it or lose it No – There is no deadline for spending the funds in your account. However, if your account reaches $1,000, Cedars-Sinai will stop contributing until you spend some of your funds.

Yes – You must spend most of the money in your account by June 30 each year. You can roll over up to $500 to the next year, but unspent HCRA funds over $500 will be forfeited.

Claims due date NoneYou can be reimbursed for healthcare services you received during the time you were a HealthFund participant. If you leave, you have until the next Sept. 28 to submit claims for healthcare services you incurred while still a Cedars-Sinai employee.

Sept. 28You have 90 days after the end of the benefit year (June 30) to submit expenses for healthcare services you received between the previous July 1 and June 30.

Cedars-Sinai medical plan enrollment

Yes – You must be enrolled in the Cedars-Sinai sponsored Blue Cross PPO, Blue Cross HMO or Vivity HMO medical plan (in addition to completing the healthy actions) to receive the HealthFund contribution.

No – You do not have to be enrolled in a Cedars-Sinai medical plan to make HCRA contributions.

Whose expenses can be reimbursed

■ Before Jan. 1, 2017 – You, your children to age 27, anyone you can claim as a dependent on your tax returns, even dependents not eligible for Cedars-Sinai healthcare coverage.

■ Jan. 1, 2017 and after – You and your family members covered by a Cedars-Sinai medical plan.

You, your spouse (same or opposite sex), children to age 27, anyone you can claim as a dependent on your tax returns (even dependents not eligible for Cedars-Sinai healthcare coverage).

Opt-in for CYC mobile alertsDo you need to submit a receipt? Receive text messages immediately after any healthcare payment card swipe that will require receipts to verify the expense is eligible.

Log in to ConnectYourCare.com and update your mobile alert settings to opt-in.

Managing your HealthFund and FSA accountsManage your accounts online at ConnectYourCare.com or on your mobile device. Search for “ConnectYourCare” or “CYCMobile” at your mobile app store.







FINANCIAL PROTECTION BENEFITSWorking for a healthcare organization, you see first-hand when people’s lives are devastated because they didn’t plan for the unexpected – not only the loss or disability of their loved one, but the loss of income. That’s why Cedars-Sinai provides you with financial protection benefits. We provide you with a basic level of life insurance and disability insurance, and give you the opportunity to purchase additional coverage.

BASIC GROUP LIFE INSURANCECedars-Sinai-paid life insurance provides payment to your beneficiary if you die for any reason.

Employee coverage amount

$50,000

Life Insurance Special Features:

■ Accelerated death benefit

■ Emergency travel assistance

VOLUNTARY LIFE INSURANCEYou can purchase additional life insurance for you and your family.


Increments of your annual base pay 1 x annual base pay to 7 x annual base pay

up to $3 million maximum

Spouse coverage amount

Increments of $5,000 not to exceed 50% of employee’s

voluntary life insurance or $200,000

Child(ren) coverage amount

Increments of $2,500 up to $10,000

One premium covers all eligible children

Voluntary Life Insurance Special Features: Accelerated death benefit for you and your spouse/domestic partner.

Basic Group (Cedars-Sinai Paid) and Voluntary Life Insurance Q&AsWhat is an accelerated death benefit?A 1-time payment of up to 80% of your Cedars-Sinai paid or voluntary life insurance coverage (to $1 million) if you are diagnosed with a sickness or injury expected to result in death within 12 months; upon death the remainder would be paid to your beneficiary.

What is emergency travel assistance?Included with your Cedars-Sinai paid life insurance, ETA can be a lifesaver if you run into trouble while traveling – helping replace lost prescriptions or passports, providing referrals to English-speaking medical providers, and more. (Call the MBC HR Benefits Help Desk for details.)

When my pay changes, does my coverage change?If your annual base pay increases or decreases, your Cedars-Sinai paid coverage changes to mirror your new base pay automatically; increases occur the first day of the month, decreases take effect immediately. Your voluntary life insurance coverage and premiums are set each July 1 (based on your May 1 annual base pay and age on July 1) and remain the same through the next June 30.

Can my spouse and children name beneficiaries?No. Spouse and child life insurance proceeds are paid to the employee.

Are life insurance benefits taxed?Employer-paid coverage under $50,000 is tax-free.

Are life insurance proceeds taxed?No. The lump-sum payment your beneficiary would receive is not taxable income.

Protect your loved ones before it’s too late – Designate beneficiaries now!Your Cedars-Sinai life insurance and retirement benefits provide valuable financial support to your loved ones if you die, giving them a temporary or partial source of income while adjusting to their loss.

But if your beneficiaries are not up to date, you risk having this money go to an unintended person or tied up in legal or estate complications. By taking just a few minutes to designate or update your beneficiaries, you will ensure this protection goes to those you intend.

Designate insurance benefits beneficiaries online at Cedars-Sinai.MyBenefitChoice.com or by calling 888-302-3941.

You must be actively at work (and enrolled family members cannot be disabled or hospitalized) for coverage to start.





If I leave Cedars-Sinai, can I keep my life insurance coverage?Yes. Upon leaving Cedars-Sinai employment you will have the option to continue your coverage, directly paying the insurance company, or convert your coverage to a personal policy. For more information, see the What To Do When Leaving Cedars-Sinai brochure posted on the Benefits Portal at Cedars-Sinai.MyBenefitChoice.com (wHAt to do wHen).

Does coverage reduce when I get older?Yes. Under the Cedars-Sinai paid and voluntary life insurance (and AD&D insurances) coverage amounts and premiums are reduced starting the July 1 after turning age 70: at age 70 by 65%; at age 75 by 45%; at age 80 by 30%. (The reduction is on the original amount of coverage.)

Applying for Voluntary Life Insurance ■ You must purchase employee coverage to purchase spouse/

domestic partner coverage; if your employee coverage is denied, your spouse cannot be covered.

■ You don’t have to purchase employee coverage to purchase child coverage.

■ You (and your spouse/domestic partner) are required to complete a health questionnaire and receive insurer approval to purchase or to increase your coverage (see Q&As below for exceptions).

■ Child coverage does not require a health questionnaire.

■ Coverage starts the first day of the month after the insurance company approves your coverage.

■ You must be actively at work (and dependents must not be disabled or hospitalized) for coverage to start.

■ Suicide is not covered the first 24 months from:

− 7/1/2014 (if you were covered by the previous insurer) or the date your coverage starts

− The date you increase your coverage.

Do I have to fill out a health questionnaire for voluntary life insurance?Usually, but not always.

You can get up to the guaranteed issue amount of coverage (see the top of the next column) without completing a health questionnaire or receiving insurer approval:

■ If you apply the first time you’re eligible for benefits

■ During Annual Enrollment or within 30 days of most qualified life events you may increase your coverage from 1 x pay to 2 x pay (not to exceed $2 million).

GUARANTEED ISSUEEmployee 2 x annual base pay* up to $2 million

Spouse/Domestic Partner $25,000

Children $10,000

*Including shift differential

Does my spouse have to complete a health questionnaire?Again, it depends. When you’re first eligible for benefits, you can purchase up to $25,000 in coverage for your spouse/domestic partner without completing a health questionnaire. In all other cases, you must complete a questionnaire.

Can the insurer ask for a health exam or lab results?Yes. A health exam or tests may be required in some cases. The insurance company will cover all costs of any required tests.

How much does more insurance cost? Your premiums for different levels of coverage are calculated for

you on Cedars-Sinai.MyBenefitChoice.com. Log on to the Benefits

Enrollment Site to see how much coverage will cost.

Does my premium change as I get older?Yes. Your premium rate is based on your age (or your spouse’s/domestic partner’s age) on July 1 each year.

VOLUNTARY LIFE INSURANCE PREMIUMSAge Monthly Cost/$1,000 Coverage

< 30 $0.026

30 – 34 $0.037

35 – 39 $0.051

40 – 44 $0.066

45 – 49 $0.100

50 – 54 $0.152

55 – 59 $0.274

60 – 64 $0.380

65 – 69 $0.693

70 – 74 $1.123

75 – 79 $1.819

80 – 84 $2.947

85 + $4.772

Children cost $0.124






BASIC GROUP AD&D INSURANCECedars-Sinai-paid AD&D provides a payment to your beneficiary if you die as the result of an accident or partial payment to you if you lose a limb, sight, hearing, speech or become paralyzed due to an accident.


$50,000

VOLUNTARY AD&D INSURANCE

You can purchase additional AD&D insurance for you only or for you and your family. Your family’s coverage is a percentage of your coverage.

Employee only

Increments of your annual base pay 1 x annual base pay to 7 x annual base pay

up to $3 million maximum

Employee + Family

Family coverage amounts are a percentage of employee coverage:

Employee + Spouse/DP

Spouse/domestic partner coverage = 60% of employee coverage

Employee + Family

Spouse/domestic partner coverage = 50% of employee coverage

Child coverage = 10% of employee coverage

Employee + Child Child coverage = 20% of employee coverage

Purchasing Voluntary AD&DVOLUNTARY AD&D INSURANCE PREMIUMSEmployee only Employee and family

$0.016/$1,000 of coverage $0.029/$1,000 of coverage

■ You don’t have to complete a health statement or get insurance company approval for Voluntary AD&D insurance coverage.

■ You will need to designate beneficiaries for your AD&D death benefits.

■ If you enroll in family coverage, your family members are automatically covered. If your spouse/domestic partner or a child dies, the insurance company will require proof of their relationship to you at that time. Your spouse/domestic partner and children cannot name beneficiaries; their AD&D proceeds would be paid to you.

■ You must be actively at work (and enrolled family members cannot be disabled or hospitalized) for coverage to start.

Basic Group (Cedars-Sinai-Paid) and Voluntary AD&D Insurance Q&AsWhat is dismemberment?If an accident causes you to lose a limb, sight, hearing, speech or become paralyzed, the policy pays a percentage of the coverage amount to you; the amount depends on the type of injury.

AD&D does not cover self-inflicted injury or death, even if accidental. For details, see the insurer booklets posted on the Benefits Portal at Cedars-Sinai.MyBenefitChoice.com (Benefits Enrollment Site > ViEw your BEnEFits > long tErm disABility).

When my pay changes, does my coverage change?If your annual base pay increases or decreases, your Cedars-Sinai paid coverage changes to mirror your new base pay automatically. Your voluntary AD&D insurance coverage and premiums are set each July 1 (based on your May 1 annual base pay and age on July 1) and remain the same through the next June 30.

Are AD&D insurance benefits taxed?Employer-paid AD&D coverage is tax-free.

Are AD&D insurance proceeds taxed?No. The lump-sum payment your beneficiary would receive is not taxable income. If the AD&D proceeds are paid out over a period of time and include interest, the interest is taxable.

If I leave Cedars-Sinai, can I keep my AD&D insurance coverage?Yes. You may continue your Cedars-Sinai paid and voluntary AD&D insurance (with limits) on a self-pay basis.

Why does voluntary AD&D cost so much less than voluntary life insurance?Life insurance pays if you die for any reason; AD&D pays only if your death is due to an accident (or if you are dismembered). Death from disease is far more likely than death from an accident. AD&D insurance is not a substitute for life insurance. If your loved ones depend on you for support, consider purchasing voluntary life insurance.

Does coverage reduce when I get older?Yes. Under the Cedars-Sinai paid and voluntary life insurance (and AD&D insurances) coverage amounts and premiums are reduced starting the July 1 after turning age 70: at age 70 by 65%; at age 75 by 45%; at age 80 by 30%. (The reduction is on the original amount of coverage.)





STD INSURANCEAfter 30 days of disability, Cedars-Sinai paid short term disability insurance can provide partial income replacement if you’re cannot work due to an illness or injury.


70% of basic weekly pay up to maximum of $1,500/week

BASIC GROUP LTD INSURANCEAfter 6 months of disability (or the end of STD benefits, if later), Cedars-Sinai paid long term disability insurance can provide partial income replacement if you’re disabled and cannot work due to an illness or injury.


70% of basic monthly pay, up to maximum of $2,000/month

You must be actively at work for STD and LTD coverage to start.

STD and LTD Insurance Q&AsHow is disability defined?You are considered disabled and eligible for benefits when the insurance company determines that, because of injury or sickness you are unable to perform with reasonable continuity the substantial and material acts necessary to pursue your own occupation in the usual and customary way.

The loss of a professional or occupational license or certification does not, in itself, constitute disability.

In addition, under the LTD policy “regular occupation” for physicians means your specialty in the practice of medicine which you are routinely performing when your disability begins.

See the STD/LTD booklet for how the insurance company defines these terms and for more details; some disabilities may not be covered or have limited coverage under this plan. The STD/LTD booklet is posted on the Benefits Portal at Cedars-Sinai.MyBenefitChoice.com (Benefits Enrollment Site > gEt AnswErs > long tErm disABility).

Are pre-existing conditions covered? During your first 12 months of coverage, the LTD plan does not cover conditions you’ve had for 3 months before your coverage started, but it will cover new conditions. See the LTD booklet for more information.

How long are disability benefits paid?LTD benefits are paid as long as you meet the definition of disability, and:

■ STD – Up to a maximum of 25 weeks

■ LTD – Up to your Social Security retirement age. If you become disabled at or after age 60, benefits would be paid for up to a maximum of 5 years.

Are my STD/LTD income payments taxed?Yes. They are taxed like ordinary income.

What is the return to work incentive?Usually monthly LTD payments plus other sources of income equal 70% of your predisability basic monthly pay. If you are working during your first 12 months of receiving LTD payments, the LTD payment will equal the difference between your predisability basic monthly pay and the pay you are earning, so that you have 100% (or close to 100%) of your predisability basic monthly pay. If you are working after 12 months of LTD payments, the LTD payment is recalculated based on the percentage of income you are losing due to your disability.

If I leave Cedars-Sinai, can I keep my LTD coverage?LTD coverage ends on your last day of Cedars-Sinai employment. You may not continue or convert LTD insurance.

If you leave Cedars-Sinai because of your disability, but before the 6-month (180-day) LTD waiting period is over, you are still eligible to apply for LTD benefits. It takes several months for the insurance company to decide if you qualify for benefits– consequently you should apply for LTD right away. (Do not wait 6 months.)

To find out how to apply for LTD benefits, see Reporting Your Disability Claim, posted on the Benefits Portal at Cedars-Sinai.MyBenefitChoice.com (Benefits Enrollment Site > ViEw your BEnEFits > long tErm disABility).

How disability benefits work ■ If you become disabled, STD and LTD income payments do

not start automatically; you must apply for benefits. Only if the insurance company determines you meet the definition of disability, will benefits begin.

■ You must apply within 12 months of the date of disability.

■ STD and LTD benefits are integrated with other sources of disability income, for instance State Disability Insurance or Social Security disability benefits. This means that combined, the STD/LTD benefits plus any other disability income will equal 70% of your basic weekly or monthly pay at the time of disability.






LEGAL PLANMetLife and Hyatt Legal Plans have teamed up to offer a legal benefit plan. Through this plan, you can receive covered legal services from a Hyatt Plan attorney (more than 10,000 participating attorneys nationwide). You can also use a non-plan attorney, but you will be responsible for fees above the amount the plan covers.

LEGAL PLANEnrolling ■ New employee or benefit eligible enrollment

■ Annual Enrollment ■ Enroll at Cedars-Sinai.MyBenefitChoice.com ■ If you have questions call Hyatt at 800-821-6400

Types of services

■ Telephone and personal consultation with attorney

■ Document preparation and review – Mortgages, small claims, immigration

■ Debt collection defense – Identity theft, negotiation with creditors, tax audits

■ Wills, powers of attorney, trusts ■ Family matters – Premarital agreements,

adoptions, domestic violence protection ■ Real estate matters – Sale of primary residence,

eviction (if you’re the tenant) ■ Court appearances – Civil litigation,

administrative hearings

This plan doesn’t cover legal issues that are already in progress or for which you’ve already hired an attorney and some other matters. Please read the Hyatt brochure or call Hyatt before enrolling.

Premiums $8.25/pay period (or $16.50/month), paid through after-tax payroll deductions

AUTO & HOME INSURANCEMetLife Auto & Home provides you with access to insurance coverage for your personal insurance needs.

AUTO & HOME INSURANCE

Applying ■ Apply anytime (no set application period) ■ Apply directly with MetLife at 800-438-6388 ■ Have your current policies with you when

you call

Types of coverage

A variety of policies are available to you through the program, including:

■ Auto ■ Home (house/condo/mobile home) ■ Landlord’s rental dwelling ■ Renter’s ■ Recreational vehicle ■ Boat ■ Personal excess liability (“umbrella”)

Premiums These are individual insurance policies; rates are determined by MetLife; Auto & Home coverage are not guaranteed*; you can choose to pay through payroll deduction or another payment method.

*If you live in certain areas (high brush fire risk areas, for instance) or have a poor driving record, MetLife may decline to insure you.

PET INSURANCEMetLife’s veterinary pet coverage helps you pay for the cost of veterinary care. You can use any licensed veterinarian.

PET INSURANCE

Applying ■ Apply anytime (no set application period) ■ Apply directly with MetLife at 800-438-6388 or

MetLife.com/MyBenefits ■ Must enroll dogs and cats before age 10

Types of coverage

Plan covers a percentage of the cost for: ■ Office visits ■ Diagnostic tests, X-rays and lab fees ■ Emergencies ■ Hospitalizations and surgeries

Premiums These are personal insurance policies; rates are determined by MetLife; pay through payroll deduction or another payment method

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates with home offices in Warwick, RI. Coverage, rates and discounts are available in most states to those who qualify. L0309024959

HOME LIFE BENEFITS As an employer of choice, Cedars-Sinai provides access to 3 MetLife insurance programs so you can build a benefits package that meets your needs: Auto & Home Insurance, Pet Insurance and the Legal Plan. These are voluntary programs; if you enroll, your premiums can be deducted after tax from your paycheck.

Because you may apply for auto & home and pet insurance

anytime (not just during benefit enrollment periods), Cedars-Sinai

has authorized MetLife to send information about these policies to

you quarterly.

The legal plan is different: enrollment is permitted only during

benefit enrollment periods.



https://mybenefits.metlife.com/MyBenefits/public/ssi/cookieTest.do



WORKPLACE PERKS EMPLOYEE REFERRAL PROGRAMHelp us find talented, dedicated professionals

Reap the rewards when you help us hire for hard-to-fill positions – mostly nursing, information technology, healthcare IT, healthcare management and allied health jobs.

EMPLOYEE REFERRAL PROGRAMRegular Bonus Eligible Positions

$1,000 (day shift) | $1,500 (night shift) ■ Paid after hired-referral completes orientation

programs and 1 month of satisfactory employment

Super Bonus Eligible Positions

Up to $3,000 bonus ■ $1,000 paid after hired-referral completes

orientation programs and 1 month of satisfactory employment

■ $2,000 paid after hired-referral completes 1 year of continuous employment (excluding leaves)

Guidelines ■ Jobs eligible for bonuses based on hiring needs and may change at any time

■ Referring employee must submit referral form for candidate at least 30 days before date of hire

■ Bonus paid via separate paycheck; bonus is taxable income

■ Additional limits and rules apply

Contact HR Recruitment Office ■ Cedars-Sinai.edu

(new career website coming summer 2016) ■ 310-423-5521

Medical Network Positions

■ $200 for regular (non-per diem) referral hired who completes 90 days of MN employment

■ Contact Medical Network HR at 310-385-3550

Recreation Connection Enjoy entertainment and activities at discount pricesMovies, theme parks, concerts, plays, resorts and more!

Contact Recreation Connection ■ RecreationConnection.com ■ 310-423-5508 ■ Room 1604 South Tower ■ M-TH 9 AM - 4 PM, F: 7 AM - 4 PM

CREDIT UNIONEasy ways to save | Low-interest loans | And more!

A credit union is similar to a bank, but instead of earning profits for shareholders, any profits are used to pay higher dividends, lower fees, loan rates, etc.

CEDARS-SINAI FEDERAL CREDIT UNIONServices ■ Savings accounts – Save through payroll

deductions (limited withdrawals) ■ Certificates of deposit – Higher interest rates

than savings accounts ■ Low-interest loans – New and used cars,

RVs, home improvement, boats, jet skis, debt consolidation, vacations, etc.

■ Holiday club account ■ Vacation club account ■ Car-buying service ■ Sallie Mae Smart Option Loans ■ Limits and qualifications apply

Insured Deposits up to $250,000 are insured by the National Credit Union Administration.

Online ■ Check balances ■ Request checks ■ Apply for loans

Contact Cedars-Sinai Federal Credit Union ■ Cedars-SinaiFCU.org ■ 310-423-5549 ■ CSMC Campus

Ray Charles Cafeteria, Suite 1631 D ■ M, T, Th, F 7:30 AM - 3:30 PM

W 7:30 AM - 2 PM Closed holidays and the last business day of the month


http://cedars-sinai.edu

http://recreationconnection.com

http://cedars-sinaifcu.org



WORK & LIFE MATTERSStrictly confidential | Voluntary | No cost (to you)

To help you be your best at work and at home, Cedars-Sinai offers Work & Life Matters, an employee assistance program. It’s available to you, your spouse/partner and children.

Types of Services ■ Work concerns ■ Career development ■ Legal/financial concerns ■ Parenting guidance ■ Family leave planning

■ Psychological issues ■ Addictions ■ Eldercare needs ■ Back-up childcare planning ■ Relocation referrals

■ Relationships – personal, family, work ■ Childcare, school and camp referrals ■ Pre-retirement planning

Staffed by licensed mental health professionalsExperienced counselors provide support, insight and guidance when you’re facing a difficult situation. They can also help you explore your options and connect with the right resources.

Contact Work & Life Matters ■ Cedars-Sinai.edu or the Cedars-Sinai intranet

(Search Work and Life Matters) ■ 310-423-6447 ■ Email [email protected] ■ In person and virtual appointments available

Rideshare ProgramCut back on your commuting expenses and ”go green”

■ Carpooling – Drive to work and back home with 2 to 6 others and receive monthly parking fee refund

■ Ride-matching – Cedars-Sinai matches you with others seeking ride-matching, live in the same area and work the same hours

■ Vanpooling – Travel to and from the same work site with 8 to 11 people

■ Metro Transit Pass + MTA EZ Pass – Purchase discounted monthly passes

■ Ride$ to Riche$ – Bicycle, carpool or walk to work and earn 75 daily award points (enrollment required) Redeem gift certificates of your choice

Contact

Rideshare Office ■ 310-423-5789 ■ Room 1603 South Tower ■ Weekdays 7 AM - 3:30 PM

Parking Office ■ 310-423-5535 ■ Employee Parking Lot 8 Room 100 ■ Weekdays 6:30 AM – 4 PM

Cellular Account Discounts AT&T, Sprint and Verizon – services and purchases

■ Cedars-Sinai employee badge and Cedars-Sinai email address (ending in cshs.org, csmns.org or csmc.edu) may be required

■ Details are posted on the Cedars-Sinai Intranet (Search EIS cellular phone employee discounts)


mailto:WorkAndLifeMatters%40cshs.org?subject=Contact%20Work%20%26%20Life%20Matters



RETIREMENT BENEFITSAs a Cedars-Sinai employee, you have the opportunity to participate in a 403(b) Plan – a voluntary retirement savings plan.

403(b) PLAN

Funded by your pretax contributions + investment returns (from investments you choose through Voya Financial).

SOCIAL SECURITY & MEDICAREThese government programs are funded by FICA taxes

you and your employer pay (which fund current retirees’ benefits in general, not a personal retirement account for you).

You’ll also pay premiums for Medicare.

plus

AND

403(b) PlanYou Contribute

Your pretax contributions are transferred from your paycheck to your account

with Voya Financial.

When you leave, you can take your account

balance with you.

Social SecurityYou and Cedars-Sinai Contribute

You receive monthly payments starting at retirement (between

ages 62-70) and lasting for your lifetime.

MedicareYou and Cedars-Sinai Contribute

Provides medical and Rx coverage during retirement,

starting as early as age 65 and lasting for your lifetime. (Monthly

premiums required.)




403(b) PLAN403(b) PLAN

Benefit ■ Lump-sum payment

How the plan works

■ When you sign up for the 403(b) Plan, you choose to have a portion of your pay deposited, pretax, into your 403(b) Plan account; your contributions and investment earnings accumulate, tax deferred, until you take the money from the plan

Your contributions

■ Each year, you can contribute as little or as much as you want up to the IRS maximum ($18,000/year in 2016)

■ Starting the year you turn 50, you can make additional catch-up contributions: up to $6,000 in 2016

Investments ■ You invest your contributions in a core set of mutual funds, a fixed-rate account or other mutual funds through a brokerage window

■ Your account balance will increase or decrease based on investment results

Changing your contributions or investments

■ You can change how much is taken from your paycheck (contribution changes) or change your investments online at Cedars-Sinai.Prepare4MyFuture.com or by calling 800-584-6001

■ Contribution changes take effect the next paycheck or the paycheck after that; changes must be submitted by the Thursday one week before payday Friday to be included in that Friday’s paycheck

■ Investment changes usually take effect the next day, after the close of the New York Stock Exchange; exceptions are described in the investment prospectus

(Continued on the next page)

Enroll today!You can enroll in the 403(b) Plan anytime; there is no waiting period. But why wait?

Enroll online: Cedars-Sinai.Prepare4MyFuture.com or by calling 800-584-6001.

For assistance or if you have questions contact Voya Financial’s CSMC Campus Office CSMC Ray Charles Cafeteria, Suite 1631A Open weekdays, during regular office hours Phone: 310-423-0974






403(b) PLAN (continued)

Loans & withdrawals

■ You can take a loan from your 403(b) Plan account and pay yourself back through after-tax payroll deductions, subject to loan fees and interest; if you’re considering a loan, keep in mind the purpose of the 403(b) Plan is to help you save for retirement and provide a source of income when you are no longer working

■ Under limited situations a hardship withdrawal may be available ■ Contact Voya Financial at 800-584-6001 for more information

If you leave Cedars-Sinai before retirement

You may leave your account balance in the 403(b) Plan:** ■ And apply to have it distributed any time before age 70½ (you will be penalized if you

don't take a minimum required distribution by age 70½) ■ Until you request a distribution, you’ll continue receiving investment earnings

(or losses) and quarterly statements

You may take your account balance with you and either: ■ Roll it over to a rollover IRA or your new employer’s eligible retirement plan, if

available; this allows you to continue saving for retirement and deferring income taxes on this money

■ Have it paid to you in a lump sum (less 20% federal income tax withholding)**If you leave and your 403(b) account balance is less than $1,000, the plan may pay it out.

When benefits can be paid

■ The quarter after you leave Cedars-Sinai:***

− You may roll over your account to an IRA or your new employer’s retirement savings plan (if permitted by the other employer’s plan) and continue to defer taxes on the money

− You may have your account balance paid directly to you (it’s taxable; if you are under 59½, you’ll likely owe an additional 10% penalty tax)

■ If you are 59½ or older, you can have your 403(b) Plan account balance paid to you while still working at Cedars-Sinai

***Distributions are delayed one quarter so that any remaining contributions are made to your account and you get your entire vested account balance.

How benefits are paid

■ You may have your account paid in a lump sum (paid directly to you or rolled over to an IRA or new employer’s plan)

■ You may have your account paid to you as an annuity that can last for just a few years, for life or for life with a continuing benefit to your beneficiary

Manage your 403(b) Plan online and on-the-go at: Cedars-Sinai.Prepare4MyFuture.com

or

Download the app: Search “Voya Retire” at your mobile device store.





SICK TIME (SICA) Each calendar year you receive a sick time (SICA) allotment to use for:

■ Illness

■ Treatment of a medical condition (including injury)

■ Medical appointments (including preventive care)

■ Reasons associated with being the victim of violence.

You may take SICA for yourself or to care for your:

■ Spouse/domestic partner

■ Child

■ Parent

■ Grandparent

■ Grandchild

■ Sibling.

SICA may be taken in full-day increments.

Annual SICA Alloted on Jan. 1You receive your entire annual SICA allotment each year on Jan. 1.

ANNUAL SICA ALLOTMENTAnnual

AllotmentHours Per Pay

PeriodFTE Annual SICA

AllotmentFull time 70+ 0.875+ 40 hours

Part time 40 up to 70 0.5 to 0.875 36 hours

■ If you use up your annual SICA hours before the end of the year, you may opt to use your time-off bank to cover any additional time off needed.

■ New employees’ first-year SICA allotment is based on hire date:

− Jan. 1 to June 30 = 40 hour*

− July 1 to Dec. 31 = 20 hour*

■ No SICA payout – SICA time is not paid out upon leaving Cedars-Sinai employment.

*Prorated for part-time employees.




PAYROLL CALENDARSNormally each year, there are 26 pay periods of 14 days each. Each pay period begins on Sunday at 12:01 AM and ends Saturday at 12:00 midnight, 2 weeks later. Employees receive a paycheck on the Friday following each pay period during which they have worked. Check distribution may begin at 3:00 PM on Thursday as a convenience to night-shift employees. When 3 pay periods end in the same month, no monthly benefit premiums or parking expenses are deducted from the paychecks shown in magenta type below.

2016 PAYROLL CALENDARPay Period

National Holidays

Pay Period Payday

FridayBegins Sunday

Ends Saturday

1 Christmas Day 12/13/15 12/26/15 1/1/16

2 New Year’s Day 12/27/15 1/9/16 1/15/16

3 1/10/16 1/23/16 1/29/16

4 1/24/16 2/6/16 2/12/16

5 2/7/16 2/20/16 2/26/16

6 2/21/16 3/5/16 3/11/16

7 3/6/16 3/19/16 3/25/16

8 3/20/16 4/2/16 4/8/16

9 4/3/16 4/16/16 4/22/16

10 4/17/16 4/30/16 5/6/16

11 5/1/16 5/14/16 5/20/16

12 5/15/16 5/28/16 6/3/16

13 Memorial Day 5/29/16 6/11/16 6/17/16

14 6/12/16 6/25/16 7/1/16

15 Independence Day 6/26/16 7/9/16 7/15/16

16 7/10/16 7/23/16 7/29/16

17 7/24/16 8/6/16 8/12/16

18 8/7/16 8/20/16 8/26/16

19 8/21/16 9/3/16 9/9/16

20 Labor Day 9/4/16 9/17/16 9/23/16

21 9/18/16 10/1/16 10/7/16

22 10/2/16 10/15/16 10/21/16

23 10/16/16 10/29/16 11/4/16

24 10/30/16 11/12/16 11/18/16

25 Thanksgiving Day 11/13/16 11/26/16 12/2/16

26 11/27/16 12/10/16 12/16/16

27 12/11/16 12/24/16 12/30/16

2017 PAYROLL CALENDARPay Period

National Holidays

Pay Period Payday

FridayBegins Sunday

Ends Saturday

1 Christmas Day + New Year’s Day

12/25/16 1/7/17 1/13/17

2 1/8/17 1/21/17 1/27/17

3 1/22/17 2/4/17 2/10/17

4 2/5/17 2/18/17 2/24/17

5 2/19/17 3/4/17 3/10/17

6 3/5/17 3/18/17 3/24/17

7 3/19/17 4/1/17 4/7/17

8 4/2/17 4/15/17 4/21/17

9 4/16/17 4/29/17 5/5/17

10 4/30/17 5/13/17 5/19/17

11 5/14/17 5/27/17 6/2/17

12 Memorial Day 5/28/17 6/10/17 6/16/17

13 6/11/17 6/24/17 6/30/17

14 Independence Day 6/25/17 7/8/17 7/14/17

15 7/9/17 7/22/17 7/28/17

16 7/23/17 8/5/17 8/11/17

17 8/6/17 8/19/17 8/25/17

18 8/20/17 9/2/17 9/8/17

19 Labor Day 9/3/17 9/16/17 9/22/17

20 9/17/17 9/30/17 10/6/17

21 10/1/17 10/14/17 10/20/17

22 10/15/17 10/28/17 11/3/17

23 10/29/17 11/11/17 11/17/17

24 Thanksgiving Day 11/12/17 11/25/17 12/1/17

25 11/26/17 12/9/17 12/15/17

26 12/10/17 12/23/17 12/29/17

2018 PAYROLL CALENDAR1 Christmas Day +

New Year’s Day12/24/17 1/6/18 1/12/18

2 1/7/18 1/20/18 1/26/18




BENEFIT RESOURCESBENEFIT QUESTIONS

MBC HR Benefits Help DeskDon’t know who to ask? Start here.Phone: 888-302-3941 M-F 6 AM – 5 PM (PT) Closed major holidays

Email: [email protected]: 206-299-3158Web: Cedars-Sinai.MyBenefitChoice.com

Mailing MBC Service Center Address: PO Box 91109 Seattle, WA 98111

RETIREMENT PLANS

403(b) Plan Voya Financial National Customer ServiceWeb: Cedars-Sinai.Prepare4MyFuture.com

Phone: 800-584-6001 App: Search “Voya Retire”

Voya Financial CSMC Campus Office Phone: 310-423-0974 M-F 8:30 AM – 5 PM (PT)Location: CSMC Ray Charles Cafeteria, Suite 1631 A

HEALTHCARE ADVOCACY

Health AdvocatePhone: 866-695-8622

Web: HealthAdvocate.com/Cedars-Sinai

BENEFITS PORTAL

at Cedars-Sinai.MyBenefitChoice.com ■ Easy access to benefits information ■ Link to retirement plans from home page ■ Online total compensation + benefits statement ■ Enroll in benefits

Registration required on your first visit (use company key CSHS)

Cedars-Sinai Campus

Make sure you receive important announcementsUpdate your address today!

Change of address forms are posted on the Cedars-Sinai intranet

Home > AdministrAtive > HumAn resources > my Profile.

For questions call HR Records at 310-423-5526.

This brochure only highlights your benefits. The actual benefit descriptions and plan rules are in the benefit plan documents and insurance company contracts, and in the Cedars-Sinai Policy and Procedure Manager. If there is a conflict, the terms of the plan documents, insurance contracts and the Cedars-Sinai Policy and Procedure Manager will govern. Cedars-Sinai reserves the right to amend or terminate the benefit plans at any time for any reason with or without notice.





https://members.healthadvocate.com/Login.aspx



BENEFIT QUESTIONS?Find answers on the Benefits Portal at

This booklet summarizes your benefits through June 30, 2017. Please keep it handy to refer to it when you have benefit questions throughout the year.

Get personal assistance from the

MBC HR Benefits Help DeskPhone: 888-302-3941 Fax: 206-299-3158 Email: [email protected] Web: Cedars-Sinai.MyBenefitChoice.com Open: M-F 6 AM – 5 PM PT (Closed major holidays)

Si tiene preguntas de los beneficios que le ofrece Cedars-Sinai o de como enrolarse a ellos, el Centro de Ayuda MBC HR tiene representantes en Español para asistir con cualquier duda o pregunta. Favor de llamar al 888-302-3941 o mande un correo electrónico a [email protected].

Get answers on the go with our new app!

■ Link to benefit apps and vendor websites

■ Touch call phone numbers

■ Watch and learn benefit videos

■ Snap and save photo of benefit ID cards

■ Download from your mobile device store (Search “CS Benefits”)

CS Benefits

PIT 7/2016



mailto:MBC.cshs%40milliman.com?subject=


Documents

BENEFITS REFERENCE GUIDE JULY 1, 2016 – JUNE 30, 2017PIT – 7/2016 2 HOME LIFE BENEFITS Page ... *If you have any difficulty using the website, try logging in and enrolling from