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Looking Ahead
2 WelcometoYourBenefitsEnrollment
3 TotalRewards
3 What’sNewin2021
4 Who’sEligible?
5 HowandWhentoEnroll
6 MakingChangesDuringtheYear?
7 MedicalCoverage
10 WellnessProgram
12 TaxSavingsAccounts
14 HospitalIndemnity
14 AccidentInsurance
14 CriticalIllness
14 LegalPlan
15 DentalCoverage
16 VisionCoverage
17 2021HealthInsuranceRates
18 DisabilityIncomeProtection
19 LifeandAD&DInsurance
20Retirement
21 LongTermCare
22PaidTimeOff
23Questions?AsktheExperts
24CentraMedicalBenefitsPlanNon-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? Importantcontactinformationcanbefoundonpage23.
Also,don’tforgettolookovertheImportant Required Noticeonpage24.
1
Welcome to Your Benefits Enrollment
Yourbenefitsareamajorpartofyourtotalcompensation–addingmorethan25%toyoursalary!Recognizingthediversityofourpopulation,weprovideflexibleplans,soyoucanchoosebasedonyourindividualandfamilyneeds.
WithCentra’sbenefitsplan,youandyourfamilyhavetheopportunityto:
— Stayhealthywithmedical,dental,andvisioncoverage.— Receivetaxsavingswithflexiblespendingaccountsorhealthsavingsaccounts.— Boostyourhealthwiththewellnessincentive,WellPowerandourNEWDiabetesProgram.— Enjoysecurityandpeaceofmindwiththedisability,lifeinsurance,andretirement
savingsplans.
Thisguideisdesignedtohelpyoulearnabouttheoptionsavailabletoyouasyoumakeyourenrollmentchoices.Formoredetailedinformationaboutanyofthebenefitsinthisguide,visitCentraPeople>EmployeeMatters>Benefits.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,CriticalIllnessandMetLegal.
Centraisproudtoofferyouandyourfamilyaquality,comprehensivebenefitsprogram.
2
Total Rewards
What’s New in 2021Togiveyoumorechoicestokeepyouandyourfamilyhealthy,Centraisofferingthesenewbenefitsin2021:
Tiered Network Salary BandsLearnmoreonpage8.
Wellness DiscountsAsaCentraemployee,youhaveaccesstodiscountsforanumberofhealthandwellnessprogramsandourexcellentincentivecampaign.Earndollarstowardsyour2022benefitprogrambycompletinghealthyhabitsin2021.Learnmoreonpage11.
KnovaSolutions Diabetes ProgramThisnewdiabeteshealthandpharmacybenefitcanhelpyoumanageyourdiabetessoyoustayhappyandhealthy.Learnmoreonpage9.
Dedicated PCHP Customer Service LineCentracaregiverscanreachoutdirectlytoPCHPat434-947-4463opt.1ordialextension504tospeakwiththededicatedCentracustomerserviceteam
3
WelcometoTotalRewards2021!WeareexcitedtoshareallCentrahastooffertokeepyouhealthy,happy,andontherighttrack!WearealwayslookingforopportunitiestomakeyourCentraexperiencethebestexperience.Therefore,wehavecreatedTotalRewardsforYOU.First,wefocusonthe“total”you:— yourcompensation— yourbenefits— yourwork/liferesources
Then,wetargetwaysto“reward”youforajobwelldone.UnderourTotalRewardsprogram,youwillfindallyouneedtogetthemostoutofyourexperienceasaCentraCaregiver.
Everydayweaskyoutobetheadvocateforyourpatients,tocreateasafeenvironmentwheretheyaretreatedwithcompassionandintegrity.WedependonyoutomaketheCentraexperiencememorableandpleasant.ButtakingcareofothersrequiresahealthyYOU.TotalRewardsisourwayoftakingcareofyou,soyoucantakecareofothers.AtCentra,weunderstandthatYOUarewhatmakesourorganizationsuccessful,andwearecommittedtolettingyouknowthatyouarevalued.Itisourgoaltomeetyourexpectationsateveryturnandtobethereforyou,providingthebenefitsandtoolsthatwillallowyoutogrowandsucceed!
4
COVID-19
A letter from our Senior Vice President Chief People Officer, Rick Grooms
Thehealthandwell-beingofourcaregiversandtheirfamiliesisourhighest
priority.Youareourmostvaluableasset,andthisstatementhasneverbeen
moretruethanitisnow.Everyoneisundertremendousstressaswefeel
theimpactofCOVID-19onourcountryandourcommunities.Thisstressis
amplifiedforthosewhoareinthehealthcareindustrybecauseofthevital
roleyouplay.
Whileitisstillunclearhowlongthispandemicmaylast,wewantyoutoknowthatwearehere
everystepoftheway,lookingoutforyourwell-beingandsupportingyourheroicefforts.Itisour
goaltotakecareofyousoyoucantakecareofothers,includingyourownfamilyandlovedones.
Withinthepagesofthistoolkitaretipsandguidelinesaswellasimportantcontactinformation
andresourcesyoumightfindhelpfulaswenavigatetheseuncertaintimes.
Wewantyoutoknowthatweappreciateeverythingyoudo,everyday,totakecareofour
communities.Weunderstandthattheseeventshaveanimpactonyouandyourlovedones,
andweencourageyoutousetheseresourcesbothnowandforfutureneeds.Pleasetakeevery
opportunitytocareforyourmentalhealthandwell-beingaswefacethisfighttogether.
Thankyouforyourdedicationandcommitment.
Resources
How can EAP help you?
EAPallowsyoutohaveaconfidentialconversationwithalicensedprofessional.ThingsthatareoftendiscussedwithyourEAPteaminclude:
• Depression• Anxietyandstress• Griefandloss• Stressrelatedtofinancial,medical,orlegal
problems• Familyissues–marital,relationships,parenting• Careerorjobconcerns• Alcoholordrugabuse• Otherconcernsaboutemotionsorbehaviors
Employee COVID-19 Hotline ....................................................................................... 434-200-1897
Employee Assistance Program (EAP) ........................434-200-6000 (toll free: 833-200-6282)
TheEmployeeAssistanceProgramofferedbyHealthWorksprovidesservicestoemployeesandtheirfamilymemberswithworkandpersonalconcerns.EAPisavailabletoanyCentraemployee,theirspouse,andtheirdependents.
How do I make an appointment?
SimplycalltheEAPatHealthWorks.Itdoesnotmatterwhereyoulive,EAPstaffwillhelpyouscheduleanappointment.
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Throughthisresourceyouwillfindaccesstosupportincluding:• COVID-19resources• Legalandfinancialsupport• Resiliencysupportresources• Emotionalwell-beingresources• Caregiversupportlocatorsincluding
eldercareservices,newparentservices,educationalservices,etc.
WorkLife Phone ....................... 1-800-537-2153
Website .............................https://healthworks.personaladvantage.com
Someproblemsthatdon’tseemseriouscanaffectwork-lifebalance.Issuesliketransportation,childcare,orsleeplessnesscreateimbalancesthattakeatollovertime.Thinkofworklifeasapersonalassistantthatallowsyoutohavetheabilitytofindavailableresourcestosupportyou.
Wellness Portal ........................go.hw4me.com
DidyouknowthatyourWellnessPortalhasaccesstonutritionplans,exerciseplans,recipes,andaccesstoadatabaseofhealth-relatedarticles?Youwillalsofindworkshopsonsleep,financialwellness,andmuchmore!
Gotogo.hw4me.comtologin.Ifitisyourfirsttimeaccessingtheportal,enteryouremailinthe“Ineedanaccount”boxandfollowtheprompts.
Join “Centra Connect” on Facebook
Centrahasaprivate,internalFacebookpagecalledCentraConnect.Search“CentraConnect”onFacebookandrequesttojointhegroup.Thisgroupisaplacewherewecanconnectwithoneanother,celebrateandappreciateeachother,andstayinformedaboutwhat’sgoingonaroundCentra.
Centra 24/7 Virtual Visits ........centra247.com
Nomatterwhereyouareorwhattimeofdayitis,Centra24/7isafreeappthatprovidesimmediateaccesstoaboard-certifiedphysician.Connectusingaphone,tablet,orcomputer24hoursaday,sevendaysaweekandspeaktoaproviderthroughalivevideochat.Centra24/7canbeusedanytime,dayornight.It’sperfectwhenyourdoctor’sofficeisclosed,you’retoosickorbusytoseesomeoneinperson,orevenwhenyou’retraveling.
Centra 24/7 offers:
• Yourchoiceoftrusted,U.S.board-certifieddoctors
• Peaceofmindwithadoctor“oncall”24/7toprovidequalitycare
• Consultation,diagnosis,andprescriptions(whenappropriate)
Use Centra 24/7 for urgent care symptoms and conditions such as:
•Cold•Rash•Diarrhea•Cough•Pinkeye•Fever•Flu•Allergies•Urinarytractinfection•Sinusinfection•Vomiting•Sorethroat
Centra Employee COVID-19 Internal Resources
1. Gotowww.centrahealth.com2. Scrolldownto“Employees,Volunteers&
Providers”heading3. ClickonCOVID-19EmployeeLink
PCHP Group Plan Members Customer Service .........................................888.674.3368
.....................................................www.PCHP.net
Duringtheseuncertaintimes,wearetakingunprecedentedactionforcaregiversonourhealthplanwhomightfindthemselvesseekingcareandtreatmentforCOVID-19.Ourdesireisthatyoucancontinuetofocusonyourhealthandwell-being.OnewayCentrawillaidindoingsoisbycoveringthePCHPplanmembers’costsharingresponsibilitiesforCOVID-19services(testingandtreatment).
WeencourageyoutoseektreatmentviaCentra24/7.TheseservicesarefreetoallCentracaregiversonthePCHPhealthplan.Youcanaccessthesetelemedicineserviceshere:https://www.centrahealth.com/Centra247.
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,benefitswillbeginthefirstofthemonthfollowingthedatetheHRTotalRewardsTeamreceivesyourcompletedenrollmentformsandsupportingdocumentation.
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 Limbo
Centra 36-40 24-35 <24
6
Benefits Eligibility by Status
Medical Dental VisionFlexible
Spending Life DisabilityVoluntary
Plans** PTO
403b Match and
Base
Full Time * * * * * * * * *Part Time * * * * * * *
***Voluntary coverage options can only be added at Open Enrollment or as a new hire. If you are processing a mid-year status change, you can only add these coverage options during the Open Enrollment season.
How and When to Enroll
7
Enrollmentiseasyandconvenient.Thesetipswillassistyouinchoosingthebestoptionsforyourselfandyourfamily.
1. ReadandreviewallbenefitsmaterialsprovidedandfoundonCentraPeople->EmployeeMatters->Benefits,2021BenefitsDocuments.
2. Makeyourbenefitchoices.
3. ACTION REQUIRED:Electionsmustbemadewithin31daysofyourhiredate.Benefitswillbeeffectivethefirstofthemonthonorafteryourhiredate.
Centrawantseveryemployeetohaveaclearunderstandingofthebenefitsoffered.Allnewly-hiredbenefitseligibleemployeesarerequiredtospeakwithaBenefitCounselor,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.
CALL CENTEREnrollinbenefitsbycallingtheCentraHealthBenefitsEnrollmentCenterat888-659-1475,MondaythroughFriday,9a.m.–6p.m.EST.SpeakwithaBenefitCounselorforbenefitseducation/enrollmentservices.
4. ThebenefitchoicesyoumakeduringenrollmentwillremainineffectthroughDecember31,2021,unlessyouhaveachangeinfamilystatusoraqualifiedlifechangeevent(seeMakingChangesDuringtheYearonpage6fordetails).
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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.
IfyouarerehiredatCentraafter61daysormorefromyourterminationdate,youmustcompletethebenefitsenrollmentprocessfornewhires.
9
AtCentra,weunderstandtheimportanceofgoodhealthasthefoundationforaproductivelifeathomeandatwork.Tokeepyouandyourfamilyhealthyallyearlong,Centraoffersyoutwocomprehensivemedicalplans:
1. TheBasic Care Planisatraditionalinsuranceplaninwhichyoumustmeetyourdeductiblebeforetheplanbeginstopaybenefits.Youpaycopaysforcertainservicesandprescriptiondrugsbeforeandaftermeetingyourdeductible,butoncethedeductibleismet,theplanpays80%ofthecostofmostotherin-networkservices.YoudonotneedtoobtainareferralornameaPrimaryCarePhysicianunderthisplan!
2. TheHigh Deductible Health Plan (HDHP) Advantagerequiresyoupaythefullcostofyourmedicalcareuntilyoumeettheannualdeductible(exceptforcertainmaintenancemedicationsandwellnessvisits).Onceyoumeetthedeductible,theplanpays100%ofthecostofmostotherin-networkservices.
Note: TheHDHPAdvantageistheplanyouneedtochooseifyouwantaHealthSavingsAccount(HSA).TheHSAisatax-favoredaccountthathelpsyoucoveryourout-of-pocketmedicalexpenses.CentrawillalsocontributetothisaccountforHDHPAdvantageparticipants–seetheHSAsectionfordetails.
Withbothplans,stayinthePiedmontCommunityHealthPlan(PCHP)networkforcaretoreceivethehighestlevelofbenefits.Thechartbelowshowsyourcostforcertainservicesundereachplan.
Takeadvantageofyourfreein-networkpreventivecareservices.Visitwww.hhs.govforalistofcoveredpreventiveservices.
Medical Coverage
10
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 Only
Retail (30-day supply)— Generic— Formulary— Non-formulary— Specialty(andmailorder)
$10copay$35copay$60copay30%coinsurance(or$0copay*)
0%after$3,000individual/$6,000familydeductible
Mail Order (90-day supply)— Generic— Formulary— Non-formulary
$25copay$87.50copay$150copay
0%after$3,000individual/$6,000familydeductible
*Basic Plan Only-$0 copay for Specialty drugs if enrolled in the PrudentRx copay program**See Centra People > Employee Matters > Benefits for a list of maintenance medications provided for a generic copay under the HDHP option.
Medical FeaturesBasic Care Plan
High Deductible Health Plan (HDHP) Advantage
In-Network Out-of-Network In-Network Out-of-Network
Annual Deductible
— Individual/Family
Tier1:$1,250/$2,500Tier2:$1,500/$3,000Tier3:$1,750/$3,500
Tier4:$6,000/$12,000
Tier1:$2,750/$5,500Tier2:3,000/$6,000Tier3:$3,250/$6,500
Tier4:$5,000/$10,000
Annual Out-of-Pocket Maximum (includes copays)
— Individual/Family
Tier1:$3,500/$7,000Tier2:$4,000/$8,000Tier3:$5,000/$10,000
Tier4:$12,000/$24,000
Tier1:$2,750/$5,500Tier2:$3,000/$6,000Tier3:$4,500/$9,000
Tier4:$10,000/$20,000
Coinsurance (portion you pay)
20% 40%Tier1:0%Tier2:0%Tier3:10%
40%
Preventive Care Services e.g.,annualphysicals,well-childexams,ageappropriatescreeningssuchasmammograms,etc.
Covered100%,nodeductible
40%afterdeductible
Covered100%,nodeductible
40%afterdeductible
Office Visits
— PrimaryCarePhysician
Tier1:$10Tier2:$25Tier3:$50
40%afterdeductible
Tier1:0%afterdeductibleTier2:0%afterdeductibleTier3:10%afterdeductible
40%afterdeductible
Office Visits
— Specialists
Tier1:$25Tier2:$50Tier3:$75
40%afterdeductible
Tier1:0%afterdeductibleTier2:0%afterdeductibleTier3:10%afterdeductible
40%afterdeductible
Diagnostic Lab & X-ray 20%afterdeductible40%afterdeductible
Tier1:0%afterdeductibleTier2:0%afterdeductibleTier3:10%afterdeductible
40%afterdeductible
Inpatient Hospital 20%afterdeductible
40%afterdeductible,plus$500peradmissiondeductible
Tier1:0%afterdeductibleTier2:0%afterdeductibleTier3:10%afterdeductible
40%afterdeductible,plus$500peradmissiondeductible
Emergency Room(copay waived if admitted)
Centra:$100co-payment,20%afterTier1deductible
Non-Centra:$100co-payment,20%afterTier2deductible
$100copay,20%afterTier2deductible
Centra:0%afterTier1deductible
Non-Centra:0%afterTier2deductible
0%afterTier2deductible
*If you or your dependent live outside of the Central Virginia area, please contact PCHP regarding your tiered network coverage.*The deductible and copayment is dependent upon the Tier in which the Provider falls under*
Tier1:CentraHealthprovidersandfacilitiesTier2:PiedmontCommunityHealthPlanparticipatingprovidersandfacilitiesTier3:AetnaSignatureAdministrators(ASA)participatingprovidersandfacilitiesTier4:Out-of-Networkprovidersandfacilities
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DIABETES PROGRAM & ENHANCED PHARMACY BENEFIT Managingyourdiabetestakeswork.That’swhyCentraisofferinganewdiabeteshealthandpharmacybenefitthisyear.Ifyouand/oryourdependenthavebeendiagnosedwithdiabetes,youqualifyfortheKnovaSolutionsDiabetesProgram.Thereisnocosttoyouandenrollmentintheprogramisvoluntary.MemberswhoareActiveParticipantsintheDiabetesProgramwillreceivecertaindiabetesmedicationsatazero-dollarcopay.Adruglistwillbeprovided.Thislistwillbeupdatedovertime.
How do I enroll?Toenrollintheprogram,youmustcompletetheKnovaSolutionsDiabetesAssessmentTool.YoumayinitiateyourenrollmentintheprogramasearlyasOctober2020.ToaccesstheKnovaSolutionsDiabetesAssessmentToolcall1-800-355-0885ore-mailcontactknovasolutions@workpartners.com.KnovaSolutionsmayalsoreachouttoyouwithaletter/emailorphonecallnotifyingyouoftheprogramandhowtoenroll.Also,CentraEmployeescanfindinformationabouttheAssessmentToolviatheWellPowerWellnessPortalat:go.hw4me.com.
What’s Next?AfteryoucompleteyourAssessmentTool,aKnovaSolutionsclinicianwillcontactyoutodiscusstheresultsand/orscheduleafollowupappointmentwithacertifieddiabeteseducator(CDE)tocreateapersonaldiabetesplan.Thisplanisfocusedonyouandyourdiabetescare.Thegoalistohelpyoufeelandfunctionatyourbestwithdiabetes.
The RX BenefitThroughthehealthplan,youcanearna$0copayforcertaindiabetesmedicationsduringtheplanyear.Toreceivethisbenefit,youmustbeanActiveParticipantintheprogrambyeitherdemonstratingongoingmanagementofyourdiabetesorparticipatingintheKnovaSolutionsprogram.YoumustcompletetheassessmenttoolandspeakwiththeKnovaSolutionsclinicianbythe10thofthemonthtoreceivethe$0copaybenefitinthefollowingmonth.ParticipationintheprogramrequiresongoingcontactwithyourCDE.ThiscontactisbasedonthepersonaldiabetesplanyouandyourCDEestablishedwhenyouenrolledintheprogram.Anymemberreceivingthebenefitwhoeitherdoesn’trespondtoKnovaSolutionsoutreachorstopsparticipatingintheKnovaSolutionsDiabetesProgramwilllosethe$0copayforcertaindiabeticmedications.Thismeansyouwillpayforthecostofyourmedicationsaccordingtotheplanyouareenrolledinandthetypeofmedicationyouaretaking.
Inordertore-enrollintheprogramandqualifyforthe$0copayfordiabetesmedicationsyouwillneedtoretaketheKnovaSolutionsDiabetesAssessmentToolandstarttheprogramover.PleaseusethesameresourcesandlinksasabovetoaccesstheAssessmentTool.Centrareservestherighttocancelormodifythisprogramatanytime.
The PrudentRx Copay Program
Weallknowthatthecostofprescriptionmedicationsisrising.Thisisespeciallytrueofspecialtymedications.Aspartofyourprescriptionplan,ThePrudentRxCopayProgramallowsyoutogetselectspecialtymedicationsatnocosttoyou.Thatmeans$0out-of-pocket(OOP)foranymedicationsonyourplan’sexclusiveSpecialtyDruglistwhenyoufillbyCVSSpecialty.
WhatisthePrudentRxCopayProgram?ThePrudentRxCopayprogramcombinesaninnovativespecialtycopayplandesignstrategyandimprovedmemberexperiencetohelpoptimizesavingsfromnon-needsbasedmanufacturercopaycardsandreducemembercosts.Theprogramallowsmemberstopay$0OOPforallspecialtymedicationsontheplan’sexclusivespecialtydruglistdispensedbyCVSSpecialtyregardlessifacopaycardisavailable.
RefertotheCentraPeopleformoredetails.
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Centra’swellnessprogramisdesignedtokeepyouhealthyandhappywhilesupportingyoureffortsatlivinganactivelifestyle.Thewellnessprogram,WellPower,focusesonprovidingtoolsandresourcestohelpyoutakechargeofyourhealth.
FREE PROGRAMSCentraoffersmanyprogramsatnocosttoyou:
FormoreinformationontheWellPowerprogram,visitgo.hw4me.com. Wellness Program
— KnovaSolutions: Thisservicewillassistyouinachievingandmaintainingoptimumhealth.KnovaSolutionsisagreatbenefitforeligibleCentraemployeesanddependentsenrolledinCentra’smedicalplans.Theirknowledgeablestaffprovideindividualized,comprehensiveassessmentofhealthconditions,medications,family/socialsupport,andworkcircumstances.Thisserviceisofferedtohelpyoumakethebestchoicesforyouandyourfamily.ParticipantsareidentifiedandinvitedbasedondatacollectedfromPiedmontCommunityHealthPlan(PCHP)andanalyzedforriskbyKnovaSolutions.Ifyouhavequestionsaboutenrollinginthisbenefit,[email protected].
— 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:Real-timesupportforreallifeisofferedtoclients,whichincludesuniqueandcomprehensiveservicestohelpbalancework/lifeobligations.Thegoalistoliveahappier,healthier,moreproductivelife!
*Services for Centra Medical Plan Participants only.
13
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 Cessation Program: Joinour8-weektobaccocessationprogramfreeofcharge!FormoreinformationcalltheHealthWorksteamat434-200-2345
— 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.— YoumustincurexpensesbyMarch15th
ofthefollowingcalendaryear.— YoumustsubmitallclaimsbyApril30th
ofthefollowingyeartobereimbursed.— 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.LPFSAoperatesthesamewayasregularFSAsforenrollment,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 2021**
EEOnly $0-$2,850 $750 $3,600
EE+1Child $0-$6,200 $1,000 $7,200
EE+Children $0-$6,200 $1,000 $7,200
EE+Spouse $0-$6,200 $1,000 $7,200
EE+Family $0-$6,200 $1,000 $7,200
*Employer contributions are pro-rated and deposited over the course of the year each pay period.**NOTE: Employees age 55 and over can contribute an additional $1,000
Things to Consider
TheHSAhelpsyousaveformedicalexpensesnow—andthefuture.
— IfyouelecttoenrollinanHSA,yourcontributionsandinvestmentearningsarenottaxable.
— Youcanincreaseyoursavingsthroughseveralinvestmentoptions.
— Anyfundsyoudon’tusewillcontinuetoaccumulate,andyoucantakethemoneywithyouifyoudecidetoleaveCentra.
SeetheIRSbookletpostedonCentraPeople->EmployeeMatters->Benefitsformoredetails.
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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(withexceptiontopolicy
rules).
Toseethebenefitforeachtypeofinjury,gotoCentraPeople->EmployeeMatters->Benefits.
Accident Insurance
Critical IllnessIfyou’rediagnosedwithanillnessthatiscoveredbythisinsurance,suchasheartattack,stroke,andcancer,youcanreceiveabenefitpaymentinonelumpsum.Youcanusethemoneyhoweveryouchoosetocoverout-of-pocketexpenseslikecopaysanddeductibles.Youcanusethecoveragemorethanonceifyouhaveadifferentconditionlater,andyoucancoveryourspouseandchildren.Formoredetails,visitCentraPeople->EmployeeMatters->Benefits.
Hospital Indemnity
HospitalIndemnityInsurancecanpaybenefitsthathelpyouwiththecostsofacoveredhospitalvisit.Ithelpscoveredemployeesandtheirfamiliescopewiththefinancialimpactsofahospitalization.Youcanreceivebenefitswhenyou’readmittedtothehospitalforacoveredaccident,illness,orchildbirth.Themoneyispaiddirectlytoyou–nottoahospitalorcareprovider.Themoneycanalsohelpyoupaytheout-of-pocketexpensesyourmedicalplanmaynotcover,suchascoinsurance,copays,anddeductibles.
What’sincluded?— $1,500foreachcoveredhospitaladmission-onceperyear— $100foreachdayofyourcoveredhospitalstay,upto60days-onceperyear— $200foreachdayyouspendinintensivecare,upto15days-onceperyear
Itisaffordableandthecostisconvenientlydeductedfromyourpaycheck.Youcaneventakethecoveragewithyouifyouleavethecompanyorretire,withouthavingtoanswernewhealthquestions.Youwillbebilleddirectly.Formoredetails,visitCentraPeople->EmployeeMatters->Benefits.
MetLegalCentraisproudtoofferMetLifeLegalPlansin2021asaThirdPartyBenefit.MetLifecoversthecostofattorneyfeesforthemostfrequentlyneededpersonallegalmatters.Employeeswhoelecttheplanhaveaccesstoanattorney,asifonretainer,whocanprovidelegalassistancewithnowaitingperiods,nodeductibles,andnoclaimforms.Thesein-networkattorneyscanrepresentemployeesforawiderangeoflegalservices,suchasbuyingorsellingahome,startingafamily,dealingwithidentitytheft,caringforagingparents,andmore.Tolearnmore,visitinfo.legalplans.comandenteraccesscode9903637,orcall1-800-821-6400,MondaythroughFriday,8a.m.–8p.m.EST.
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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’swhyCentraoffersdentalcoveragethroughAnthemBlueCrossBlueShield.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$150 Planpaysupto$90
Lenses $25copay
SingleVision:Planpaysupto$35Bifocal:Planpaysupto$50Trifocal:Planpaysupto$65Progressive:Planpaysupto$70
Contacts(MedicallyNecessary) $0copay:paidinfull Planpaysupto$210
ExtraSavingsYourplanalsofeaturessavingsforsunglasses,KidsEyesbenefit,discountsoffreplacementglasses,hearingaids,anddiabeticeyecare.
* For more information regarding diabetic eye exams, please visit Centra People > Employee Matters > Benefits
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
FULL-TIME
Coverage Level Dental Plan
EmployeeOnly $3.47
Employee+Spouse $11.00
Employee+Child $10.47
Employee+Children $10.47
Employee+Family $12.47
PART-TIME
Coverage Level Dental Plan
EmployeeOnly $6.91
Employee+Spouse $19.30
Employee+Child $19.60
Employee+Children $19.60
Employee+Family $23.91
Medical
Basic Care Plan - PPO
FULL-TIME EMPLOYEE PREMIUMS
EmployeeEmployee
+ ChildEmployee + Children
Employee + Spouse
Employee + Family
Level1 $40.08 $93.56 $122.64 $136.92 $203.84
Level2 $42.18 $98.35 $128.93 $143.94 $214.30
Level3 $44.29 $103.15 $135.21 $150.96 $224.75
Level4 $48.51 $112.75 $147.79 $165.00 $245.66
Level5 $63.28 $143.93 $188.67 $210.64 $313.60
PART-TIME EMPLOYEE PREMIUMS
Level1 $52.10 $121.62 $159.43 $177.99 $265.00
Level2 $54.84 $127.86 $167.60 $187.12 $278.58
Level3 $57.58 $134.10 $175.78 $196.25 $292.17
Level4 $63.07 $146.57 $192.13 $214.50 $319.35
Level5 $82.26 $187.11 $245.27 $273.83 $407.69
HDHP Advantage
FULL-TIME EMPLOYEE PREMIUMS
EmployeeEmployee
+ ChildEmployee + Children
Employee + Spouse
Employee + Family
Level1 $32.02 $66.89 $86.52 $95.21 $145.86
Level2 $33.85 $70.60 $91.33 $100.50 $153.96
Level3 $35.68 $74.32 $96.13 $105.78 $162.07
Level4 $39.34 $81.75 $105.75 $116.36 $178.27
Level5 $51.23 $104.05 $134.59 $148.10 $226.89
PART-TIME EMPLOYEE PREMIUMS
Level1 $41.63 $86.96 $112.48 $123.77 $189.62
Level2 $44.01 $91.79 $118.73 $130.64 $200.15
Level3 $46.39 $96.62 $124.97 $137.52 $210.69
Level4 $51.14 $106.28 $137.47 $151.27 $231.76
Level5 $66.60 $135.26 $174.96 $192.53 $294.96
2021 Health Insurance Bi-Weekly Rates
Enrollment by SalaryLevel1-<$35KLevel2-$35K-$60KLevel3-$60K-$100KLevel4->$100KLevel5–PhysiciansandExecs
Vision
FULL-TIME
Coverage Level Vision Plan
EmployeeOnly $3.09
Employee+Spouse $6.65
Employee+Child $5.01
Employee+Children $5.01
Employee+Family $9.12
PART-TIME
Coverage Level Vision Plan
EmployeeOnly $3.09
Employee+Spouse $6.65
Employee+Child $5.01
Employee+Children $5.01
Employee+Family $9.12
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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.
*Disabilityperiodforpregnancyisdeterminedupondelivery.Normaldeliveryisconsidered6-weeksofdisabilitycoverageandc-sectionisconsidered8-weeksofdisabilitycoverage.
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,orseriousinjuryorillness,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.Thechartbelowdescribestheadditionalcoverageyoucanpurchaseforyourfamily.
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 Plans
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.RemembertologontoOracleEmployeeSelfServicetodesignateoneormorebeneficiaries.
Centra Contributions
Underbothplansandaftersixmonthsofemployment,Centrawillbeginmakingamatchingcontributionof100%ofthefirst3%ofpayyoucontribute.Youareimmediatelyvestedinthosecontributions.Dependingontheperformanceoftheorganization,Centramayalsomakeanannualdiscretionarycontributionofupto4%ofyourbasepayonyourbehalf.Employeeseligibleforthisbasecontributionbecomefullyvestedafterthreeyearsofemployment.
OTHER TAX DEFERRED SAVINGS PLANS
457b Deferred Compensation Plan
Aselectgroupofmanagementandhighlycompensatedemployeesareeligibleforthisnonqualifiedsavingsplan.Centradoesnotmakeemployercontributionstotheplan.RefertotheSummaryPlanDescription(SPD)postedonCentraPeople->EmployeeMatters->Benefitsforcompletedetails,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 Hours
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,totheUnitedWay,ortotheCentraFoundation.RefertotheEarnedTime/PaidTimeOffDonationPolicyintheCentrapolicymanualfortheprocedure.
Paid Time Off
Centra Recognized Holidays
PTOmustbesubmittedtobepaidforanyofthefollowingholidaysonwhichanemployeedoesnotwork:
— NewYear’sDay— Easter— MemorialDay— IndependenceDay(July4th)— 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
434-947-4463option1ordialextension504
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#DD7048
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 Aubrey Varraux.
IfyoubelievethattheCentraMedicalBenefitsPlanhasfailedtoprovidetheseservicesordiscriminatedinanotherwayonthebasisofrace,color,nationalorigin,age,disability,orsex,youcanfileagrievancewith:AubreyVarraux,TotalRewardsManager,1920AtherholtRoad,Lynchburg,VA24501;phone434-200-7993,fax434-200-7410,emailaubrey.varraux@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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