Looking Ahead

2 BenefitsEnrollment

3 TotalRewards

3 What’sNewin2020

4 Who’sEligible

5 HowandWhentoEnroll

5 NewHires

6 MakingChangesDuringtheYear?

7 MedicalCoverage

8 WellnessProgram

10 TaxSavingsAccounts

12 HospitalIndemnity

12 AccidentInsurance

12 CriticalIllness

13 DentalCoverage

14 VisionCoverage

15 2020Bi-WeeklyHealthInsuranceRates

16 DisabilityIncomeProtection

17 LifeandAD&DInsurance

18 Retirement

19 LongTermCare

20TakeaBreakwithPaidTimeOff

21 Questions?AsktheExperts

22CentraMedicalBenefitsPlanNon-DiscriminationNotice

The information in this guide gives you a brief summary of the benefits you can currently choose through the Centra Choices Benefits Program. Centra may change benefits in whole or in part at any time.

All benefits are governed by legal documents and insurance contracts. If there is any discrepancy between this description and the official plan documents and contracts, the documents and contracts will determine the benefits. For purposes of ERISA, this brochure serves as a Summary of Material Modification for all the applicable Summary Plan Descriptions.

Need more information? Importantcontactinformationcanbefoundonpage21.

Also,don’tforgettolookovertheImportant Required Noticeonpage22.

1

Welcome to Your Benefits Enrollment

Yourbenefitsareamajorpartofyourtotalcompensation–addingmorethan25%toyoursalary!Recognizingthediversityofourpopulation,weprovideflexibleplans,soyoucanchoosebasedonyourindividualandfamilyneeds.

WiththeCentrabenefitsplan,youandyourfamilyhavetheopportunityto:

— Stayhealthywithmedical,dental,andvisioncoverage— Receivetaxsavingswithflexiblespendingaccountsorhealthsavingsaccounts— Boostyourhealthwiththewellnessprogram,WellPower— Enjoythesecurityandpeaceofmindwithdisability,lifeinsurance,andretirement

savingsplan

Thisguideisdesignedtohelpyoulearnabouttheoptionsavailabletoyouasyoumakeyourenrollmentchoices.Formoredetailedinformationaboutanyofthebenefitsinthisguide,visitLawsonBenefitsEmployeeSelfService.PleasereachouttoHumanResourcesifyouhaveanyquestions.Do you need to take action? Keepinmindthatyoumustenrollifyouwantto:

Your BENEFITS Our FOCUS

— Electmedical,dental,andvisioncoverage.— Addordropdependentsfromcoverage.— ContributetotheHealthCareand/or

DependentDayCareSpendingAccounts(evenifcurrentlyenrolled)andHealthSavingsAccount.

— ChangeyourVoluntaryLifeInsuranceordisabilityinsuranceelections.

— Electvoluntarybenefits,suchasHospitalIndemnity,AccidentInsurance,WholeLifeInsurance,andCriticalIllness.

Centraisproudtoofferyouandyourfamilyaquality,comprehensivebenefitsprogram.

2

Total Rewards

What’s New in 2020Togiveyoumorechoicesforfinancialprotectionandpeaceofmind,Centraoffersanewbenefit:HospitalIndemnityInsurance.

Hospital Indemnity Insurance

HospitalIndemnityInsurancehelpscoveredemployeesandtheirfamiliescopewiththefinancialimpactsofahospitalization.

Why is this coverage so valuable?

— Yougetaffordablerateswhenyoubuythiscoverageatwork.

— Thecostisconvenientlydeductedfromyourpaycheck.

— ThebenefitsinthisplanarecompatiblewithaHealthSavingsAccount(HSA).

Learnmoreonpage12.

3

WelcometoTotalRewards2020!WeareexcitedtoshareallCentrahastooffertokeepyouhealthy,happyandontherighttrack!WearealwayslookingforopportunitiestomakeyourCentraexperiencethebestexperience.Therefore,wehavecreatedTotalRewardsforYOU.First,wefocusonthe“total”you:— yourcompensation— yourbenefits— yourwork/liferesources

Then,wetargetwaysto“reward”youforajobwelldone.UnderourTotalRewardsprogram,youwillfindallyouneedtogetthemostoutofyourexperienceasaCentraCaregiver.

Everyday,weaskyoutobetheadvocateforyourpatients,tocreateasafeenvironmentwheretheyaretreatedwithcompassionandintegrity.WedependonyoutomaketheCentraexperiencememorable,andpleasant.ButtakingcareofothersrequiresahealthyYOU.TotalRewardsisourwayoftakingcareofyou,soyoucantakecareofothers.AtCentra,weunderstandthatYOUarewhatmakesourorganizationsuccessful,andwearecommittedtolettingyouknowthatyouarevalued.Itisourgoaltomeetyourexpectationsateveryturnandtobethereforyou,providingthebenefitsandtoolsthatwillallowyoutogrowandsucceed!

Who’s Eligible?

Employees

YouareeligibletoparticipateinCentra’sbenefitsplansifyouareafull-timeorregularpart-timeemployee.New hires must enroll within 31 days of their hire date to have coverage for the rest of the plan year. Ifyouareenrollingduetoastatuschangeorlifeevent,benefitswillbeginthefirstofthemonthfollowingthedatetheHRBenefitsTeamreceivesyourcompletedenrollmentformsandsupportingdocumentation.

Dependents

Yourdependentsareeligibleformanyoftheplansweoffer.Eligibledependentsinclude:

— Yourlegalspouse— Yourdependentchildrenuptoage26— Yourdisableddependentchildrenof

anyage

Theterm“children”shallincludenaturalchildren,stepchildren,adoptedchildren,andchildrenplacedwithacoveredemployeebyanauthorizedplacementagencyorbycourtorder.

Note: Ifyourspouseiseligibleformedicalcoveragethroughanotheremployer,youmaystillelecttocoverthemunderCentra’smedicalplan.Pleasenote,asurchargeof$50perbi-weeklypayperiodwillbeassessed.

Spouses Who Both Work for Centra

SpouseswhoareemployedbyCentraandeligibleforbenefitscanbecoveredeitherasanemployeeorasadependent,butnotboth.Also,yourdependentchildrenmayonlybecoveredbyoneofyou.

Important Note:Whenenrollingaspouseordependentforthefirsttime,youshouldprovidehisorherSocialSecuritynumberanddateofbirth.

Scheduled Hours Per Week to Qualify for Benefits

Full-Time Part-Time A Part-Time B

Centra 32-40 24-31 8-23

Long Term Care Division

30-40 22.5-29 7.5-22

4

Benefits Eligibility by Status

Medical Dental VisionFlexible

Spending Life DisabilityVoluntary

Plans** PTO

403b Match and

Base

Full Time * * * * * * * * *Part Time A * * * * * * *Part Time B * *

**Voluntary Accident, Critical Illness, Hospital Indemnity, Whole Life, and Long Term Care

How and When to Enroll

5

Helpful Tip:IfyouareenrollingduringtheOpenEnrollmentperiod,anychangesyoumakewillgointoeffectonJanuary1,2020.

1. ReadandreviewallbenefitsmaterialsprovidedandfoundinLawsonBenefitsEmployeeSelfService,2020BenefitsDocuments.

2. Makeyourbenefitchoices.

3. ACTION REQUIRED:DuringtheOpenEnrollmentperiod,allbenefiteligibleemployeesmustgoonlinetoenrollin2020benefits.Accesstotheenrollmentsitewillbeatyourconvenience,24hoursaday,sevendaysaweekduringAnnualEnrollment.

DuringOpenEnrollment,youhavetheopportunitytoreviewyourcurrentbenefitsandupdateyourcoverageforthenextplanyear.Enrollmentiseasyandconvenient.Thesetipswillassistyouinchoosingthebestoptionsforyourselfandyourfamily.

New HiresEnrollinbenefitsbycallingtheCentraHealthBenefitsEnrollmentCenterat888-659-1475,MondaythroughFriday,9a.m.–6p.m.EST.Yourbenefitsrepresentasignificantportionofyourtotalcompensation;forthisreason,Centrawantseveryemployeetohaveaclearunderstandingofthebenefitsoffered.AllnewlyhiredbenefitseligibleemployeesarerequiredtospeakwithaBenefitCounselor,whowillprovidebenefitseducation/enrollmentservices.Elections must be made within 31 days of your hire date. Benefits will be effective the first of the month on or after your hire date.

RETURNING USER:

BCIWebsiteLink:https://login.electbenefits.com/centra

— Enteremail(sameemailthatwasusedlastyearfortheOEprocess)

— EnterProvidedPassword:LawsonnumberandDOB(example:675807051989)

— Click“Signin”— Youwillthenreceivea“resetpassword”emailandwillclick

onthelinkprovidedtochangepasswordandlogin

NEW USER:

BCIWebsiteLink:https://login.electbenefits.com/centra

— Click“REGISTER”— EnterProvidedID:First4lettersoflastnameandLawson

number(example:Smit6758)— EnterProvidedPassword:LawsonnumberandDOB

(example:675807051989)— Youwillbepromptedtoenteryouremailaddressandcreate

anewpasswordtocompletetheregistrationprocess

4. ThebenefitchoicesyoumakeduringOpenEnrollmentwillremainineffectfromJanuary1,2020throughDecember31,2020,unlessyouhaveachangeinfamilystatusoraqualifiedlifechangeevent(seeMakingChangesDuringtheYearfordetails).

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Making Changes During the Year?Thebenefitchoicesyoumakeduringenrollmentwillremainineffectfortheentireplanyearunlessyouexperienceaqualifyinglifeevent.Examplesofqualifyinglifeeventsinclude,butarenotlimitedto:

— Changeinyourmaritalstatus— Birthoradoptionofachild

— Changeinemploymentstatus— QualifiedMedicalChildSupportOrder

(QMCSO)

It is your responsibility to notify Centra within 31 days after a qualifying life event.Youmayneedtoprovidedocumentationoftheevent,suchasamarriagelicenseorbirthcertificate.Anybenefitchangesmustbedirectlyrelatedtotheevent.Formoreinformation,visitCentraPeople->EmployeeMatters->HumanResources->LifeChanges.

Changing from Part-Time to Full-Time Status

Ifyouhadpreviouslybeenafull-timeemployeeandyouarenowchangingfromapart-timestatusbacktofull-time,specialrulesapply:

— Ifyouhavehadpart-timestatusformorethanoneyear,youcanmakenewlifeandlong-termdisabilityelectionswithoutanylimitations.

— Ifyouhavehadpart-timestatusforlessthanoneyear,youcanonlyelecttheleveloflifeandlong-termdisabilitycoverageyouhadineffectwhenyouwerepreviouslyafull-timeemployee.

Rehired at Centra

IfyouarerehiredatCentralessthan61daysfromyourterminationdate,thebenefitsyouwerepreviouslyenrolledinwillcontinue.YouwillbeunabletomakechangesuntilthenextannualOpenEnrollment.

IfyouarerehiredatCentra61ormoredaysfromyourterminationdate,youmustcompletethebenefitsenrollmentprocessfornewhires.

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AtCentra,weunderstandtheimportanceofgoodhealthasthefoundationforaproductivelifeathomeandatwork.Tokeepyouandyourfamilyhealthyallyearlong,Centraoffersyoutwocomprehensivemedicalplans:

1. TheBasic Care Planisatraditionalinsuranceplaninwhichyoumustmeetyourdeductiblebeforetheplanbeginstopaybenefits.Youpayco-paysforcertainservicesandprescriptiondrugsbeforeandaftermeetingyourdeductible,butoncethedeductibleismet,theplanpays80%ofthecostofmostotherin-networkservices.New for 2020:YoudonotneedtoobtainareferralornameaPrimaryCarePhysicianunderthisplan!

2. TheHigh Deductible Health Plan (HDHP) Advantagerequiresyoupaythefullcostofyourmedicalcareuntilyoumeettheannualdeductible(exceptforcertainmaintenancemedicationsandwellnessvisits).Onceyoumeetthedeductible,theplanpays100%ofthecostofmostotherin-networkservices.

Note: TheHDHPAdvantageistheplanyouneedtochooseifyouwantaHealthSavingsAccount(HSA).TheHSAisatax-favoredaccountthathelpsyoucoveryourout-of-pocketmedicalexpenses.CentrawillalsocontributetothisaccountforHDHPAdvantageparticipants–seetheHSAsectionfordetails.

Withbothplans,stayinthePCHPnetworkforcaretoreceivethehighestlevelofbenefits.Thechartbelowshowsyourcostforcertainservicesundereachplan.

Medical FeaturesBasic Care Plan

High Deductible Health Plan (HDHP) Advantage

In-Network Out-of-Network In-Network Out-of-Network

Annual Deductible

— Individual/Family$1,500/$3,000 $3,000/$6,000 $3,000/$6,000 $6,000/$12,000

Annual Out-of-Pocket Maximum (includes copays)

— Individual/Family

$4,000/$8,000 $8,000/$16,000 $3,000/$6,000 $8,000/$16,000

Coinsurance (portion you pay)

20% 40% 0% 40%

Preventive Care Services e.g.,annualphysicals,well-childexams,ageappropriatescreeningssuchasmammograms,etc.

Covered100%,nodeductible

40%afterdeductibleCovered100%,nodeductible

40%afterdeductible

Office Visits

— PrimaryCarePhysician

— Specialists

$25copay$50copay

40%afterdeductible 0%afterdeductible 40%afterdeductible

Diagnostic Lab & X-ray 20%afterdeductible 40%afterdeductible 0%afterdeductible 40%afterdeductible

Inpatient Hospital 20%afterdeductible

40%afterdeductible,plus

$500peradmissiondeductible

0%afterdeductible

40%afterdeductible,plus

$500peradmissiondeductible

Emergency Room(copay waived if admitted)

$100copay,20%afterdeductible

$100copay,40%afterdeductible

0%afterdeductible 40%afterdeductible

Takeadvantageofyourfreein-networkpreventivecareservices.Visitwww.hhs.govforalistofcoveredpreventiveservices.

Medical Coverage

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PRESCRIPTION DRUG COVERAGEYourCentramedicalplansalsoincludeprescriptiondrugcoverageatanin-networkpharmacyonly.

The chart below shows your cost for certain services under each plan.

Type of MedicationBasic Care Plan HDHP Advantage*In-Network Only In-Network Out-of-Network

Retail (30-day supply)— Generic— Formulary— Non-formulary— Specialty(andmailorder)

$10copay$35copay$60copay$75copay

0%afterdeductible 100%

Mail Order (90-day supply)— Generic— Formulary— Non-formulary

$25copay$80copay$150copay

0%afterdeductible 100%

*See Lawson Benefits Employee Self Service for a list of maintenance medications provided for a generic copay under the HDHP option.

Centra’sWellnessprogramisdesignedtokeepyouhealthyandhappywhilesupportingyoureffortsatlivinganactivelifestyle.TheWellnessprogram,WellPower,focusesonprovidingtoolsandresourcestohelpyoutakechargeofyourhealth.

FREE PROGRAMSCentraoffersmanyprogramsatnocosttoyou:

FormoreinformationontheWellPowerprogram,visitgo.hw4me.com. Wellness Program

— KnovaSolutions: Thisservicewillassistyouinachievingandmaintainingoptimumhealth.KnovaSolutionsisagreatbenefitforeligibleCentraemployeesanddependentsenrolledinCentra’smedicalplans.Theirknowledgeablestaffprovideindividualized,comprehensiveassessmentofhealthconditions,medications,family/socialsupportandworkcircumstances.Thisserviceisofferedtohelpyoumakethebestchoicesforyouandyourfamily.ParticipantsareidentifiedandinvitedbasedondatacollectedfromPiedmontCommunityHealthPlan(PCHP)andanalyzedforriskbyKnovaSolutions.Ifyouhavequestionsaboutenrollinginthisbenefit,emailKnovaSolutionsatcontactknova@hcmsgroup.com.

— Incentive Program:Ourprogramisstructuredtorewardyouformakingtherightchoicesthatenableyoutogetthemostoutoflifeathomeandatwork.Earnincentivesbysimplymakingbetterchoicesandtrackingthemthroughthewellnessportal.

— Flu Shots and Vaccines:ReceiveyourannualflushotandrequiredvaccinesthroughEmployeeHealthatnocosttoyou.

— Employee Assistance Program (EAP):Havingsupportthroughtheupsanddownsoflifeiscrucial.CentraautomaticallyprovidesyouandyourfamilywithanEAPatnocosttoyou.CalltheEAPat434-200-6000anytimeofthedayornightforconfidentialassistancewithissues,suchassubstanceabuse,legalproblems,grief,stressrelatedtomedicalproblems,financialstrain,ortheworkplace.

— Preventive Check-ups and Screenings*:Eachyear,Centramedicalplanparticipantsareallowedonewellnessvisitandhealthscreeningatnocost.

— Waived Copay for Disease Management*:Ifyouarediagnosedwithhighbloodpressure,highcholesterol,ordiabetes,visityourPrimaryCarePhysicianwithoutpayingacopay.

— Navigation Services through PCHP*:Qualifiedparticipantscanreceiveconfidentialandpersonalizedhealthcounselingatnocost.

— Work-life Services:Realtimesupportforreallifeisofferedtoclients,whichincludesuniqueandcomprehensiveservicestohelpbalancework/lifeobligations.Thegoalistoliveahappier,healthier,moreproductivelife!

*Services for Centra Medical Plan Participants only.

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DISCOUNTSAsaCentraemployee,youcantakeadvantageofthefollowingdiscounts:

— Weight Watchers:Enjoya50%subsidyonWeightWatchersmeetingsorOnlinePlustohelpyouimproveyouroverallhealthandreachyourweightlossgoals.

— N.E.W. Healthy Lifestyles Discount:Receivea50%discountoffthiseight-weekcourse,basedonvolumetricseating,whichcoversnutrition,exercise,andweightmanagement.

— YMCA:SignupataparticipatingYMCAandget25%offthemonthlymembership.Viewyourwellnessportalforacompletelistoflocations.

— Women & Children’s Services Education Discount:AttendclassesatCentra,suchasBabyBasics,BreastFeeding,InfantSafety,andFamilyNutrition.Call434-200-4537foronelowbundledfee.

— BounceBack:Relievelowerbackpainthroughthisprogram.Call434-200-2102fordetails.

— Central Virginia YMCA Diabetes Prevention Program:Completetheyear-longprogramatadiscountedratethatwillhelpreduceyourriskfortype2diabetes.Call434-582-1900.

— Tobacco Cessation Education:Centra’sPulmonaryRehabilitationProgramoffersfreeBeTobaccoFreeclassesandone-on-onecounselingfromaCertifiedTobaccoTreatmentSpecialist.Forinformation,call434-200-3812.

— Tobacco Replacement Therapy*:PrescriptionandOTCsmokingcessationproducts(e.g.,nicotineproducts,buproprion[genericonly],Chantix)arecoveredforadultsat$0copay.Quantitylimitof2cyclesperyearappliestoeachactiveingredient.

*Services for Centra Medical Plan Participants only.

GET FIT!InadditiontotheYMCAmembership,Centraalsoencouragesyoutotakeadvantageofthefollowing:

— Bowen Wellness Center at Lynchburg General Hospital:Takeafitnessclass,usethetreadmillorellipticalmachine,andreceivepersonaltrainingattheBowenWellnessCenter.Call434-200-7097forinformation.

— Fitness Challenges & Race Subsidies:BeapartoftheSpringandFallfitnesschallengesduringtheyear.CentraalsosubsidizesparticipationinracessuchastheVA10-Miler,IAmWoman5k,andotherlocalevents.

— Healthy Steps:WorkwithnursesandexercisephysiologistsfromCentra’sownStroobantsCardiovascularCentertocreateaspecializedexercisetherapycareplantomeetyourneedsandgoals.Centraemployeesreceiveadiscountedprice.

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FLEXIBLE SPENDING ACCOUNTS (FSAs)Centraofferstworegularspendingaccountchoicesasasmartandconvenientwaytostretchyourbenefitdollarsandreceiverealtaxsavings:

— The Health Care Account:Youcancontributeupto$2,700peryearonapre-taxbasistopayforeligibleout-of-pocketmedical,dental,andvisionexpenses.(HDHPAdvantageparticipantsarenoteligibleforthisaccount.)

— The Dependent Day Care Account:Youcancontributeupto$5,000perhouseholdperyear($2,500ifmarried,filingseparately)onapre-taxbasistocoveryourcostofchildcareforchildrenuptoage13.

FSA Enrollment

EachyearthatyouwouldliketoparticipateintheFSA,youmustelecttheamountyouwanttocontributetotheFSA.Evenifyouparticipatedthepreviousyear,yourelectiondoesnotcarryover;youmustactivelyenrolltocontributetotheFSA.

— Remember,youcannotstoporchangeyourcontributionamountduringtheyearunlessyouexperienceaqualifiedlifechangeevent.

— Youcannottransferfundsfromoneaccounttoanother.

Health Equity Debit Card

WhenyouenrollintheHealthCareAccount,HealthEquitysendsyouaMasterCarddebitcardtobestrictlyusedonlyforeligibleFSAexpenses.Thedebitcardisacceptedatdoctors’officesandqualifiedmerchants(suchaspharmacies)topayforeligibleexpenses.WhenyouuseyourHealthEquitydebitcardtopayforqualifiedpurchases,themoneyisinstantlydeductedfromyourHealthCareAccount(cannotbeusedfordependentdaycareaccount).

Reimbursement

Ifyoupaidforqualifiedexpensesout-of-pocketandwanttoreceivereimbursementfromyourFSA,youmaysubmitapaperclaimformorsubmitanonlineclaimforeligibleout-of-pocketdependentcareandhealthcareexpenses.Pleasesaveyourreceipts!TocomplywithIRSregulations,HealthEquitymonitorstheexpensespaidfromyourFSAbyverifyingyourreceipts.WhenyoureceivearequestfromHealthEquity,sendcopiesofyourreceiptsimmediately.

Tax Savings Accounts

How FSAs Work

Expensessuchasdeductiblesandcopayscanquicklyaddup,anddependentcarecostscanbeevenmoreexpensive.FSAsletyoupaytheseexpenseswithpre-taxdollars,soyousavemoney.Yourcontributionswillbedeductedfromyourpaychecksinequalinstallmentsthroughouttheyearanddepositedintoyouraccount(s).

— KeepinmindthattheIRShasa“useitorloseit”rule.Ifyoudonotusethefullamountinyourspendingaccountsbytheendofthecalendaryear,youwillloseanyremainingfunds.— YoumustincurexpensesbyMarch15of

thefollowingcalendaryear.— YoumustsubmitallclaimsbyApril30of

thefollowingyeartobereimbursed.— Whenestimatingyourhealthcareand

dependentcarecosts,itisbettertobeconservativeandunderestimateratherthanoverestimateyourexpenses.VisittheSavingsCalculatoratwww.HealthEquity.comtoestimateyourannualspendableincome.

Eligible Expenses

Belowareexamplesofeligibleexpenses.Foracomprehensivelist,visitwww.irs.gov.

FSA Type Eligible Expenses

Health Care Account

— Medical,dental,andvisiondeductibles,copays,andotherout-of-pocketcosts

— Visioncareincludingprescriptionglasses,contactlenses,andsolution

— Hearingcare

Dependent Day Care Account

— Daycarecenter,daytimesummercamp,nurseryschool,orafterschoolcare

— Adultdaycareoradultsitter

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LIMITED-PURPOSE FSA (LPFSA)CentraalsooffersanotherspendingaccountforthosewhochoosecoverageundertheHighDeductibleHealthPlan(HDHP)AdvantagewithaHealthSavingsAccount(HSA).

TheLimited-Purpose(LPFSA)Account:Youcancontributeupto$2,700peryearonapre-taxbasistopayforout-of-pocketdentalandvisionexpenses.

Alimited-purposeFSA(LPFSA)isrestrictedtopayingforonlydentalandvisionexpenses.IfyouhaveaHealthSavingsAccount(HSA),youcannothavearegularhealthcarespendingaccount(FSA)butyoucanhaveaLPFSA.ALPFSAoperatesthesamewayasregularFSAsforenrollment,debitcards,reimbursements,etc.

ItmaybeadvantageoustocontributetoaLPFSAifyouchoosetocontributetheentireallowableyearlymaximumtoyourHSA.YourHSAfundswillbeinvestedandyouraccountwillincreasewhileyouusetheLPFSAtopayfordentalandvisionexpenses.

HEALTH SAVINGS ACCOUNT (HSA)IfyouenrollintheHDHPAdvantagemedicalplan,youcancontributetoahealthsavingsaccount(HSA).AnHSAprovidesatripletaxadvantage:

1. Contributepre-taxfunds.2. Usetax-freedollarstopayforqualifiedmedicalexpenses.3. Investunusedfundstogrowtax-free.

FundscontributedtotheHSArolloverfromyeartoyear,soyouneverloseanymoneyyoucontribute.TherearenopenaltiesforwithdrawinginvestedHSAdollarstopayforqualifiedmedicalexpenses.

CentrahaspartneredwithHealthEquitytocreateHealthSavingsAccountsforallHDHPAdvantageparticipants.Youcancontributetoyouraccountperrequirementslistedbelow.Centrawillmakeanemployercontributiontoyouraccountevenifyoudon’tcontribute.

HSA Eligibility Requirements

YouareeligibletoopenanHSAifyoumeettherequirementsdefinedbytheIRSbelow:

— YouarecoveredbyanHSA-eligibleHighDeductibleHealthPlan(HDHP)andhavenootherhealthcoverage(unlessitisaHDHP).

— YouoryourcoveredspousedonotparticipateinaHealthCareSpendingAccountotherthanaLPFSA.

— YouarenotenrolledinMedicareorTRICAREforLife.

— Youarenotclaimedasadependentonsomeoneelse’staxreturn.

HDHP TierEmployee HSA Annual

Contribution (Optional)Employer HSA Annual

Contribution

Maximum Total Annual Contribution Limit

for 2020**

EEOnly $0-$2,800 $750 $3,550

EE+1Child $0-$6,100 $1,000 $7,100

EE+Children $0-$6,100 $1,000 $7,100

EE+Spouse $0-$6,100 $1,000 $7,100

EE+Family $0-$6,100 $1,000 $7,100

**NOTE: Employees age 55 and over can contribute an additional $1,000

Things to Consider

TheHSAhelpsyousaveformedicalexpensesnow—andthefuture.

— IfyouelecttoenrollinanHSA,yourcontributionsandinvestmentearningsarenottaxable.

— Youcanincreaseyoursavingsthroughseveralinvestmentoptions.

— Anyfundsyoudon’tusewillcontinuetoaccumulate,andyoucantakethemoneywithyouifyoudecidetoleaveCentra.

SeetheIRSbookletpostedinLawsonBenefitsEmployeeSelfServiceformoredetails.

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Accidentshappenwhenyouleastexpectit.WithAccidentInsurancethroughUnum,youcanstayaheadoftheout-of-pocketexpensesthatmayoccurduetoanon-workrelatedinjury.AccidentInsuranceprovidesalumpsumpaymentbasedontheaccidentorinjuriessustained,soyoucanbepreparedfinancially.Thebenefitispaiddirectlytoyou,andyoudecidethebestwaytospendit.It’sthatsimple.Whetherit’stopaymedicalexpenses,themortgage,carpayments,orevenutilitybills,youdecide.

OtheradvantagesofAccidentInsuranceincludethefollowing:

— You’llreceivecashbenefitsforexpensesthatmaynotbecoveredunderyourmedicalinsurance.— Therearenohealthquestionstoanswer.— Youcaninsureyourspouseandchildren.— Thereisnolimittotheamountofaccidentsyoucanclaimunderthepolicy(withexceptionto

policyrules).

Toseethebenefitforeachtypeofinjury,gotoLawsonBenefitsEmployeeSelfService.

Accident Insurance

Critical Illness

Ifyou’rediagnosedwithanillnessthatiscoveredbythisinsurance,suchasheartattack,stroke,andcancer,youcanreceiveabenefitpaymentinonelumpsum.Youcanusethemoneyhoweveryouchoosetocoverout-of-pocketexpenseslikeco-paysanddeductibles.Youcanusethecoveragemorethanonceifyouhaveadifferentconditionlater,andyoucancoveryourspouseandchildren.Formoredetails,seeLawsonBenefitsEmployeeSelfService.

Hospital Indemnity

HospitalIndemnityInsurancecanpaybenefitsthathelpyouwiththecostsofacoveredhospitalvisit.Ithelpscoveredemployeesandtheirfamiliescopewiththefinancialimpactsofahospitalization.Youcanreceivebenefitswhenyou’readmittedtothehospitalforacoveredaccident,illness,orchildbirth.Themoneyispaiddirectlytoyou–nottoahospitalorcareprovider.Themoneycanalsohelpyoupaytheout-of-pocketexpensesyourmedicalplanmaynotcover,suchascoinsurance,co-paysanddeductibles.

What’sincluded?

— $1,500foreachcoveredhospitaladmission-onceperyear— $100foreachdayofyourcoveredhospitalstay,upto60days-onceperyear— $200foreachdayyouspendinintensivecare,upto15days-onceperyear

Itisaffordableandthecostisconvenientlydeductedfromyourpaycheck.Youcaneventakethecoveragewithyouifyouleavethecompanyorretire,withouthavingtoanswernewhealthquestions.Youwillbebilleddirectly.Formoredetails,seeLawsonBenefitsEmployeeSelfService.

NEW!

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Dental Benefits Dental Plan

Deductible (per calendar year)

Individual $50

Family $150

CalendarYearMaximum(perperson) $1,000

Covered Services

Preventive&Diagnostic(Routineexams,cleanings,andX-rays) 100%covered,nodeductible

BasicServices 80%afterdeductible

MajorServices 50%afterdeductible

OrthodontiaforDependentChildren 50%afterdeductible,uptoa$1,500lifetimemaximum

RolloverBenefit* Upto$250

*The Rollover Benefit allows you to carry over a portion of your unused benefit to the following year. To qualify, you must have filed under $500 in claims during the benefit year. This benefit can be used in future years as well.

Dental Coverage

Yourteethandgumsdeservetheverybestcare.That’swhyCentraoffersdentalcoveragethroughAnthemBlueCrossandBlueShield.Thedentalplanoffersservicestokeepyourteethhealthyandfixanyproblemsassoonastheyoccur.Chooseanin-networkdentisttotakeadvantageoflowerout-of-pocketcosts.

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Thevisionplanincludesbenefitsforeyeexams,eyeglasses,andcontactlensesthroughEyeMed.YoumayvisitadoctorwithintheEyeMednetworkandtakeadvantageofhigherbenefitscoverage,orvisitanout-of-networkproviderofyourchoiceforareducedbenefit.Keepinmind,whenyouvisitanout-of-networkprovider,youwillpaymoreforservices.

Vision Service Level of Coverage

BenefitFrequency

Exam:OnceperplanyearLenses:OnceperplanyearFrames:OnceperplanyearContactLenses:Onceperplanyear

Plan Features In-Network Out-of-Network Benefit

Exam $10copay Planpaysupto$50

PrescriptionGlasses

Frames Planpaysupto$140 Planpaysupto$90

Lenses $25copay

SingleVision:Planpaysupto$35Bifocal:Planpaysupto$50Trifocal:Planpaysupto$65Progressive:Planpaysupto$70

Contacts(MedicallyNecessary) $0copay:paidinfull Planpaysupto$210

ExtraSavingsYourplanalsofeaturessavingsforsunglasses,KidsEyesbenefit,discountsoffreplacementglasses,hearingaids,anddiabeticeyecare.

Vision Coverage

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Medical Surcharges

— Spouses who are eligible for medical coverage through another employer can be covered under a Centra medical plan, for an additional $50.00 per bi-weekly pay period.

— Tobacco users will pay $24.92 more per bi-weekly pay period for medical coverage.

— Centraiscommittedtohelpingyouachieveyourbesthealthstatus.Ifyouthinkyoumightbeunabletomeetastandardforadiscount,youmightqualifyforanopportunitytoearnthesamediscountbydifferentmeans.Contactusat434-200-7993,andwewillworkwithyoutofindawellnessprogramwiththesamediscountthatisrightforyou.

Dental

Coverage LevelDental Plan

Full-Time Part-Time A

EmployeeOnly $3.22 $6.42

Employee+1Child $8.69 $16.28

Employee+Children

$8.69 $16.28

Employee+Spouse $8.80 $15.44

Employee+Family $10.65 $20.42

Vision

Coverage LevelVision Plan

Full-Time Part-Time A

EmployeeOnly $2.85 $2.85

Employee+1Child $4.62 $4.62

Employee+Children

$4.62 $4.62

Employee+Spouse $6.13 $6.13

Employee+Family $8.41 $8.41

Medical

Full-Time Employee OnlyEmployee + 1

ChildEmployee +

ChildrenEmployee +

SpouseEmployee +

Family

Basic Care Plan $42.18 $95.95 $125.78 $140.43 $209.07

HDHP Advantage

$36.60 $74.32 $96.13 $105.78 $162.07

Part-Time A Employee OnlyEmployee + 1

ChildEmployee +

ChildrenEmployee +

SpouseEmployee +

Family

Basic Care Plan $65.48 $117.24 $141.06 $160.68 $226.69

HDHP Advantage

$48.48 $89.72 $108.76 $120.29 $175.46

2020 Bi-Weekly Health Insurance Rates

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Centrarecognizestheimportanceofyourfinancialwell-beingintheeventofadisability.Mostofusinsureourhomes,automobiles,andotherassets,yetweoftenoverlookourmostvaluableasset–ourabilitytoearnanincome!Yourregularmonthlyobligationssuchasyourmortgageorrent,utilitybills,food,andothernecessities,continueevenifyouareunabletowork.Centraoffersshort-termandlong-termdisabilityoptionstofull-timeemployees.

VOLUNTARY SHORT-TERM DISABILITY (STD)Afteryouhavemetyourelectedwaitingperiod,theSTDplanprotectsyourincomeifashort-terminjuryorillnesspreventsyoufromworking.YourExtendedIllnessBank(EIB)canhelpcoverthedaysofyourwaitingperiod.YouhavetwoSTDoptionstoconsider,asshownbelow.

LONG-TERM DISABILITY (LTD)Long-termdisabilitycoveragetakesoverafter90daysofdisability.ToqualifyforLTD,youmustbeunabletoperformtheregulardutiesofyourjob.YouhavetwoLTDoptionstoconsider,asshownbelow.

Disability Insurance

Waiting Period

Coverage Duration

Benefit Amount Cost

Short-Term Disability

VS14 14daysFrom14daysto11weeks

60%ofbasesalary(upto$1,500perweek)

$.645per$10ofweeklybenefit

VS30 30daysFrom30days

to9weeks60%ofbasesalary

(upto$1,500perweek)$.438per$10ofweekly

benefit

Long-Term Disability

1 90daysUptonormal

retirementage

60%ofbasesalary(upto$10,000per

month)100%Company-Paid

2 90daysUptonormal

retirementage

662/3%ofbasepay(upto$10,000per

month)

Youpaytheadditionalcost.

Pre-Existing Condition Exclusion

Thepolicieswillnotcoverillnessorinjuriesforwhichyoureceivedtreatmentwithin3monthspriortoyourcoverageeffectivedateifyoufileaclaimforthatillnessorinjuryinthefirst6monthsafteryourcoverageeffectivedate.

Disability Income Protection

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BASIC LIFE AND AD&D INSURANCEProvidingeconomicsecurityforyourfamilyisamajorconsiderationinpersonalfinancialplanning.Intheeventofdeath,disability,seriousinjuryorillness,youwillwanttobeprepared.CentraprovidesyouwithBasicEmployeeLifeandAccidentalDeathandDismemberment(AD&D)InsurancecoveragethroughUnumatnocosttoyou.YouautomaticallyreceivelifeandAD&Dcoverageintheamountof1xyourbaseannualpay(atthetimeofyourdeath).

—Iftheamountisover$50,000,thebenefitistaxableandwillbereportedas“imputedincome”onyourpaycheck.

VOLUNTARY LIFE INSURANCEYoualsohavetheopportunitytopurchaseadditionallifeinsuranceforyourself,yourspouse,andyourchildrenatgrouprates.ThechartbelowdescribestheamountsofadditionalVoluntaryLifeInsuranceyoumaypurchase.

Voluntary Life Insurance

Employee Spouse Children

Amount Covered 1to4xbaseannualpay$5,000,$10,000,$15,000,

$20,000,or$50,000$2,500,$5,000,

$7,500,or$10,000

Age Reductions35%reductionatage6550%reductionatage70

Coverageisreducedto50%oftheoriginalamountwhentheSpouseattainsage70.

Coverageavailablefrombirthuntilage19,orage26,

ifafull-timestudent.

VOLUNTARY AD&D INSURANCECentraalsooffersyouachancetochooseVoluntaryAD&DInsuranceupto10xyourbaseannualearningstoamaximumof$500,000.Youcanpurchasecoverageforyourfamilymembers:

Coverage Option Benefit

Spouse Only 50%ofemployeebenefit

Spouse & ChildrenSpouse–40%ofemployeebenefit

EachChild–5%ofemployeebenefit

Children Only EachChild–10%ofemployeebenefit

Life and AD&D Insurance

WHOLE LIFE INSURANCEForadditionalfinancialprotection,youmaypurchaseWholeLifeInsurancethroughUnumforyourselfand/oryourchildrenorgrandchildren.WholeLifeInsuranceprovidesflexiblebenefits,andallowsyoutoadjustyourdeathbenefit,cashvalue,andpremiumsasyourfinancialneedschange.Youcanalsousethispolicy’sLivingBenefitsduringyourlifetime.

Applyingforcoverageissimple,andunderwritingiseasy.Individualpoliciesareavailabletoemployeesoverage18andforchildrenunder26yearsold.WholeLifeInsurancepremiumscanbepaidthroughpayrolldeductions.Keepinmindthatyoucantakethiscoveragewithyouifyouchangejobsorretire.

FormoreinformationabouttheWholeLifeInsuranceplan,visitwww.unum.com.

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Save for the Future with Matching Tax Deferred Savings Plan

Savingforthefutureisatoppriorityinsmartfinancialplanning.That’swhyCentrasponsorsMatchingTaxDeferredSavingsPlansforemployees:a401(k)planforPCHPemployeesanda403(b)forallotherCentraemployees.Employee Contributions

After30daysofemployment,eligibleemployeesareautomaticallyenrolledinthe403(b)planatacontributionrateof3%ofyourpay.ThereisnoautoenrollmentprovisioninthePCHP401(k)plan.EligibleemployeesshouldcallTransamericaorgotowww.trsretire.comtoenroll.

ParticipantsmaycontributeuptotheannualIRSlimitinpre-taxearningsunderbothplans,andthoseage50orolderareeligibletomakeanadditionalcatch-upcontributionuptotheIRSlimits.Youcanincrease,decrease,orstopyourcontributionsatanytimetoeitherplanbycontactingTransamerica.RemembertologontoLawsonBenefitsEmployeeSelfService(BESS)todesignateoneormorebeneficiaries.

Centra Contributions

Underbothplansandaftersixmonthsofemployment,Centrawillbeginmakingamatchingcontributionof100%ofthefirst3%ofpayyoucontribute.Youareimmediatelyvestedinthosecontributions.Dependingontheperformanceoftheorganization,Centramayalsomakeanannualdiscretionarycontributionofupto4%ofyourbasepayonyourbehalf.Employeeseligibleforthisbasecontributionbecomefullyvestedafterthreeyearsofemployment.

OTHER TAX DEFERRED SAVINGS PLANS

457b Deferred Compensation Plan

Aselectgroupofmanagementandhighlycompensatedemployeesareeligibleforthisnonqualifiedsavingsplan.Centradoesnotmakeemployercontributionstotheplan.RefertotheSummaryPlanDescription(SPD)postedinLawsonBenefitsEmployeeSelfServiceforcompletedetails,andvisitwww.trsretire.comforanyquestions.

Manageyourinvestmentsatwww.trsretire.com.Ifautomaticallyenrolled,yourcontributionsareinvestedinTRowePriceTargetDateFunds,butyoucanchangeinvestmentsatanytime.PortfolioXpressisalsoofferedasaninvestmentservicetoadjustyourinvestmentsasyougetclosertoyourretirementdate.

Retirement

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Centraoffersemployeesworkingatleast24hoursperweekachancetopurchaseLongTermCareInsurance.Ifyouenrolloutsideoftheinitialperiod,youwillberequiredtoprovideproofofgoodhealthtogetcoverage.EnrolldirectlythroughUnumbycalling800-227-4165orlogonto:www.unuminfo.com/centrahealth/enrollment.aspx.

Plans Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6

BenefitDuration 3Years 5Years 3Years 5Years 3Years 3Years

FacilityBenefitAmount

$3,000 $3,000 $6,000 $6,000 $3,000 $6,000

AssistedLivingFacility%

100% 100% 100% 100% 100% 100%

LifetimeMaximum $108,000 $180,000 $216,000 $360,000 $108,000 $216,000

ProfessionalHomeandCommunityCare

100% 100% 100% 100% 100% 100%

InflationProtection N/A N/A N/A N/A Compound Compound

*If you selected an inflation option, and you terminate that inflation option at a future date, you can purchase the inflated coverage amount at your original age.

Long Term Care

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Centraoffersavarietyofpaidprogramstoencourageyoutorestandrelaxawayfromyourjob.Youcanusethetimeaccruedafterthreemonthsofemploymentforvacation,holidays,illness,orpersonaltime.ThemaximumamountofPTOthatmaybeaccruedthroughouttheyearis300hours.AccrualratesforthemajorityofCentraemployeesarebasedonyearsofserviceperthefollowingschedule:

Years of Service Accrual RateHours Accrued

per 80 Hours Paid

PTO days per Year Based on 80 Hour Paid

Bi-Weekly

0-5 0.0923 7.3846 24

5-10 0.1115 8.9231 29

10-15 0.1231 9.8462 32

15-20 0.1308 10.4615 34

20-25 0.1346 10.7692 35

25+ 0.1385 11.0769 36

See the Paid Time Benefits Policy in the online Centra policy manual for more information.

Youcandonatehourstoco-workerswhoaregoingthroughacrisis,totheUnitedWayortheCentraFoundation.RefertotheEarnedTime/PaidTimeOffDonationPolicyintheCentrapolicymanualfortheprocedure.

Paid Time Off

Centra Recognized Holidays

PTOmustbesubmittedtobepaidforanyofthefollowingholidaysonwhichanemployeedoesnotwork:

— NewYear’sDay— Easter— MemorialDay— IndependenceDay(July4)— LaborDay— ThanksgivingDay— ChristmasDay

Extended Illness Bank (EIB)

Centraoffersavoluntaryprogramofpaidleavetimeforextendedillnesses.Employeescanconvertupto40hoursina12-monthperiodtotheaccount.Centrawillprovideanadditionalmatchday-for-day.EIBtimemayonlybeusedforanemployee’sownillnessafteranemployeeisabsent6ormoredays(maximumof40hours)ofregularscheduledwork.The5-daywaitbeforeEIBtimecanbeusediswaivediftheemployeeishospitalizedorhassurgery(in-patientorout-patient)andwillbeabsent6ormoredays.YoucanfindtheconversionformontheHRHomepageunderBenefits>EmployeeAdvantages.

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Benefit Provider Telephone Web Site

Medical PiedmontCommunity

HealthPlanGroup#5200701

888-674-3368 www.pchp.net

Prescription Drugs

CVS/CaremarkRxBIN:004336;

RxPCN:ADV;RxGRP:RX6925

844-460-8768 www.caremark.com/wps/portal

Spending Accounts HealthEquity 866-346-5800 www.healthequity.com

Accident Insurance Unum 800-635-5597 www.unum.com

Critical Illness Unum 800-635-5597 www.unum.com

Hospital Indemnity Unum 800-635-5597 www.unum.com

DentalAnthemBlueCross

andBlueShieldGroup#843294

866-956-8607 www.anthem.com/mydentalvision

VisionEyeMed

Group#1008295866-800-5457 www.eyemed.com

Life/AD&D Insurance Unum 888-556-3727 www.unum.com

Whole Life Insurance Unum 800-635-5597 www.unum.com

Voluntary Short Term Disability

Unum 888-673-9940 www.unum.com

Long-Term Disability Unum 888-673-9940 www.unum.com

Long Term Care Unum 800-227-4165www.unuminfo.com/centrahealth/

enrollment.aspx

403(b) Savings Plan & 401(k) Savings Plan

Transamerica 800-755-5801 www.trsretire.com

Questions? Ask the Experts

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Discrimination is Against the Law

TheCentraMedicalBenefitsPlancomplieswithapplicableFederalcivilrightslawsanddoesnotdiscriminateonthebasisofrace,color,nationalorigin,age,disability,orsex.TheCentraMedicalBenefitsPlandoesnotexcludepeopleortreatthemdifferentlybecauseofrace,color,nationalorigin,age,disability,orsex.

The Centra Medical Benefits Plan

— Providesfreeaidsandservicestopeoplewithdisabilitiestocommunicateeffectivelywithus,suchas:— Qualified sign language interpreters— Written information in other formats (large print, audio, accessible electronic formats, other

formats)— ProvidesfreelanguageservicestopeoplewhoseprimarylanguageisnotEnglish,suchas:

— Qualified interpreters— Information written in other languages

If You Need These Services, Contact Brenda Johnson.

IfyoubelievethattheCentraMedicalBenefitsPlanhasfailedtoprovidetheseservicesordiscriminatedinanotherwayonthebasisofrace,color,nationalorigin,age,disability,orsex,youcanfileagrievancewith:BrendaJohnson,BenefitsManager,1920AtherholtRoad,Lynchburg,VA24501;phone434-200-7668,fax434-200-7410,emailbrenda.johnson@centrahealth.com.Youcanfileagrievanceinpersonorbymail,fax,oremail.Ifyouneedhelpfilingagrievance,BrendaJohnsonisavailabletohelpyou.YoucanalsofileacivilrightscomplaintwiththeU.S.DepartmentofHealthandHumanServices,OfficeforCivilRightselectronicallythroughtheOfficeforCivilRightsComplaintPortal,availableathttps://ocrportal.hhs.gov/ocr/portal/lobby.jsf,orbymailorphoneat:U.S.DepartmentofHealthandHumanServices,200IndependenceAvenueSW.,Room509F,HHHBuilding,Washington,DC20201,800-868-1019,800-537-7697(TDD).

Complaintformsareavailableat:http://www.hhs.gov/ocr/office/file/index.html

Centra Medical Benefits Plan Non-Discrimination Notice

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