PDF Benefits Enrollment Looking Ahead

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Benefits Enrollment Looking Ahead

Centra is proud to offer you and your family a quality, comprehensive benefits program. Your benefits are a major part of your total compensation ? adding approximately 25% to your salary! Recognizing the diversity of our population, we provide flexible plans, so you can choose the right moves based on your individual and family needs.

With the Centra benefits plan, you and your family have the opportunity to:

-- Stay healthy with medical, dental, and vision coverage

-- Receive tax savings with the flexible spending accounts and health savings accounts

-- Boost your health with the wellness program, WellPower

-- Enjoy the security and peace of mind with disability, life insurance, and retirement savings plan

This guide is designed to help you learn about the options available to you and make your enrollment choices. For more detailed information about any of the benefits in this guide, visit Lawson Benefits Employee Self Service. Please reach out to Human Resources if you have any questions.

Do you need to take action?

Keep in mind that you must enroll if you want to:

1 Benefits Enrollment 1 Total Rewards 2 What's New in 2019 2 Who's Eligible 3 How and When to Enroll 3 New Hires 3 Making Changes During the Year? 4 Medical Coverage 6 Wellness Program 8 Tax Savings Accounts 10 Accident Insurance 10 Critical Illness 10 Keep Your Smile Bright with Dental Coverage 11 Take a Look at Vision Coverage 12 2019 Bi-Weekly Health Insurance Rates 13 Disability Income Protection 14 Life and AD&D Insurance 15 Retirement 16 Long Term Care 17 Take a Break with Paid Time Off 18 Questions? Ask the Experts 19 Centra Medical Benefits Plan Non-Discrimination Notice

-- Elect medical, dental, and vision coverage -- Add or drop dependents from coverage -- Contribute to the Health Care and/or

Dependent Day Care Spending Accounts (even if currently enrolled)

-- Change your Voluntary Life Insurance or disability insurance elections

-- Elect voluntary benefits, such as Accident Insurance, Long Term Care, Whole Life Insurance, and Critical Illness.

Total Rewards

Welcome to Total Rewards 2019! We are excited to share with you all Centra has to offer to keep you healthy, happy and on the right track! We are always looking for opportunities to make your employee experience the best experience. Therefore, we have created Total Rewards for YOU. Total Rewards is just that, "Total, Rewards". First, we focus on the "total" you:

-- your compensation -- your benefits -- your work/life resources

-- your recognition -- your professional development

Then, we target ways to "reward" you for a job well done. Under our Total Rewards program, you will find all you need to get the most out of your experience as part of the Centra team!

Every day, we ask you to be the advocate for your patients, to create a safe environment where they are treated with compassion and integrity. We depend on you to make the patient experience memorable, and pleasant. But taking care of others requires a healthy YOU. Total Rewards is our way of taking care of you, so you can take care of others. At Centra, we understand that YOU are what makes our organization successful, and we are committed to letting you know that you are valued. It is our goal to meet your expectations at every turn and to be there for you, providing the benefits and tools that will allow you to grow and succeed!

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Important

What's New in 2019

To give you more choices for financial protection and peace of mind, Centra offers two new benefits: Voluntary Critical Illness and Health Savings Accounts.

Critical Illness Insurance

If you are diagnosed with an illness covered by this insurance, you can receive a lump sum benefit payment to be used however you want. See page 10 for more information.

Health Savings Account (HSA)

If you elect the High Deductible Health Plan, Centra will create a Health Savings Account for you and contribute to your account even if you don't. Contributions are tax free, funds roll over from year to year, and all funds are invested and grow tax free. See page 9 for more information.

Who's Eligible?

Employees

You are eligible to participate in Centra's benefits plans if you are a full-time or regular part-time employee. New hires must enroll within 31 days of their hire date to have coverage for the rest of the plan year. If you are enrolling due to a status change or life event, benefits will begin the first of the month following the date the HR Benefits Team receives your completed enrollment forms and supporting documentation.

Dependents

Your dependents are eligible for many of the plans we offer. Eligible dependents include:

-- Your legal spouse -- Your dependent children up to age 26 -- Your disabled dependent children of

any age

The term "children" shall include natural children, stepchildren, adopted children, and children placed with a covered employee by an authorized placement agency or by court order.

Note: If your spouse is eligible for medical coverage through another employer but you choose to cover them under Centra's medical plan, you will pay an additional $50 per bi-weekly pay period.

Spouses Who Both Work for Centra

Spouses who are employed by Centra and eligible for benefits can be covered either as an employee or as a dependent, but not both. Also, your dependent children may only be covered by one of you.

Scheduled Hours Per Week to Qualify for Benefits

Centra

Long Term Care Division

Full-Time 32-40 30-40

Part-Time A 24-31

22.5-29

Part-Time B 8-23 7.5-22

Important Note: When enrolling a spouse or dependent for the first time, you should provide his or her Social Security number and date of birth.

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How and When to Enroll?

During Open Enrollment, you have the opportunity to review your current benefits and update your coverage for the next plan year. Enrollment is easy and convenient. These tips will assist you in choosing the best options for yourself and your family.

1. Read and review all benefits materials provided found in Lawson Benefits Employee Self Service, 2019 Benefits Documents.

2. Make your benefit choices.

Helpful Tip: If you are enrolling during an Open Enrollment period, any changes you make will go into effect on January 1, 2019.

3. ACTION REQUIRED: During the Open Enrollment period, all benefits eligible employees must go online to enroll in 2019 benefits. Access to the enrollment site will be at your convenience, 24 hours a day, seven days a week during Annual Enrollment.

-- Visit: -- Enter Provided ID: First 4 letters of last name and Lawson number (example: Smit6758) -- Enter Provided Password: Lawson number and DOB (example: 675807051989) -- You will be prompted to enter your email address and create a new password to complete the

registration process.

4. The benefit choices you make during Open Enrollment will remain in effect from January 1, 2019 through December 31, 2019, unless you have a change in family status or a qualified life change event (see Making Changes During the Year for details).

New Hires

Enroll in benefits by calling the Centra Health Benefits Enrollment Center at 888-659-1475, Monday through Friday, 9 a.m. ? 6 p.m. EST. Your benefits represent a significant portion of your total compensation; for this reason, Centra wants every employee to have a clear understanding of the benefits offered. All newly hired benefits eligible employees are required to speak with a Benefit Counselor who will provide benefits education and enrollment services. Elections must be made within 31 days of your hire date.

Making Changes During the Year?

The benefit choices you make during enrollment will remain in effect for the entire plan year unless you experience a qualifying life event. Examples of qualifying life events include, but are not limited to:

-- Change in your marital status -- Birth or adoption of a child

-- Change in employment status -- Qualified Medical Child Support Order (QMCSO)

It is your responsibility to notify Centra within 31 days after a qualifying life event. You may need to provide documentation of the event, such as a marriage license or birth certificate. Any benefit changes must be directly related to the event. For more information, click on Life Changes on the HR homepage.

Changing from Part-Time to Full-Time Status

Rehired at Centra

If you had previously been a full-time employee and you are now changing from a part-time status back to full-time, there's a special rule that applies.

-- If you have had part-time status for more than one year, you can make new life and long-term disability elections without any limitations.

-- If you have had part-time status for less than one year, you can only elect the level of life and long-term disability coverage you had in effect when you were previously a full-time employee.

If you are rehired at Centra less than 61 days from your termination date, the benefits you were previously enrolled in will continue. You will be unable to make changes until the next annual Open Enrollment.

If you are rehired at Centra 61 or more days from your termination date, you must complete the benefits enrollment process for new hires.

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Medical Coverage

At Centra, we understand the importance of good health as the foundation for a productive life at home and at work. To keep you and your family healthy all year long, Centra offers you three comprehensive medical plans:

1. The Basic Point of Service (POS) plan requires a referral from a Primary Care Physician (PCP) in order to see a specialist. You'll pay lower premiums for this plan, but the deductible is higher.

2. The Open Preferred Provider Organization (PPO) option offers you the flexibility to see any specialist or physician you want. Stay in the Piedmont Community Health Plan (PDHP) network for the lowest out-of-pocket costs. This plan has higher premiums, but lower deductibles.

3. The High Deductible Health Plan (HDHP) HDHP is the plan you need to choose if you want to have a Health Savings Account (HSA). With the HDHP, you pay the full cost of your medical care until you meet the annual deductible (except for certain maintenance medications). The HSA is a tax-favored account that helps you cover your out-of-pocket medical expenses. Centra will also contribute to this account for HDHP participants ? see the HSA section for details.

With all three plans, stay in the PCHP network for care to receive the highest level of benefits. The chart below shows your cost for certain services under each plan.

Take advantage of your free in-network preventive care services. Visit for a list of covered preventive services

Basic POS

Medical Features

In-Network

Annual Deductible -- Individual/Family

Annual Out-of-Pocket Maximum (includes copays) -- Individual/Family

Coinsurance (portion you pay)

Preventive Care Services E.g., annual physicals, well-child exams, age appropriate screenings such as mammograms, etc.

Office Visits -- Primary Care Physician

-- Specialists

Diagnostic Lab & X-ray

$1,500/ $3,000

$4,000/ $8,000

20%

Covered 100%, no deductible

$25 copay $50 copay 20% after deductible

Inpatient Hospital

20% after deductible

Emergency Room (copay waived if admitted)

$100 copay, 20% after deductible

Out-ofNetwork $3,000/ $6,000

$8,000/ $16,000

40%

40% after deductible

40% after deductible

40% after deductible 40% after deductible,

plus $500 per admission deductible $100 copay, 40% after deductible

Open PPO

In-Network

$1,000/ $2,000

Out-ofNetwork

$2,000/ $4,000

$5,000/ $10,000

$10,000/ $20,000

20%

40%

Covered 100%, no deductible

40% after deductible

$25 copay $50 copay

40% after deductible

20% after deductible

20% after deductible

$100 copay, 20% after deductible

40% after deductible

40% after deductible,

plus $500 per admission deductible

$100 copay, 40% after deductible

High Deductible Health Plan (HDHP)

In-Network

Out-ofNetwork

$3,000/ $6,000

$6,000/ $12,000

$3,000/ $6,000

$6,000/ $12,000

0%

40%

Covered 100%, no deductible

40% after deductible

0% after deductible

40% after deductible

0% after deductible

0% after deductible

0% after deductible

40% after deductible

40% after deductible,

plus $500 per admission deductible

40% after deductible

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