Enrollment Guide - Centra Health - Central Virginia's ...

[Pages:44]YOUR CENTRA REWARDS

2017 BENEFITS

Enrollment Guide

YOUR CENTRA REWARDS

Dear colleague,

I am pleased to provide you with the 2017 Centra Benefits Plan. Centra remains committed to providing a market-competitive benefits package that provides quality coverage for you and your family. Offering value and choices to employees is a guiding principle for the Centra Benefits Plan, and each year we listen carefully to your feedback in order to understand what's important to you in terms of your medical coverage options. We share a common goal - - to continually assesses our benefit programs and make enhancements and adjustments which allow us to provide competitive benefits at a sustainable level.

Health and wellness decisions are very personal and require careful consideration. I encourage you to review the Centra benefits guide in its entirety and make the choices that best fit your needs. As you review these materials, you will find several enhancements pertain to Urgent Care and "Virtual Physician Visits." You will also find details regarding enhanced vision and dental plans.

In 2017 you will again have the opportunity to participate in a variety of activities through the Human Resources' Wellpower initiative. Be sure to review discounts and resources available to you in the Wellpower section of the Centra benefits guide. It's all part of your Total Reward's package as we continue this journey toward an ever-healthier workforce.

Log into the Lawson Benefits Employee Self Service (BESS) to find additional tools and resources to help make those important decisions for you and your family. If you have any questions, please contact a benefits representative in our HR offices.

Wishing you and your family a healthy and productive year in 2017!

Sincerely,

Jan Walker Chief Administrative Officer & Senior Vice President Centra

TABLE OF CONTENTS

4 What's Changing for 2017 6 Your Centra Benefits and Their Value 7 Wellpower 11 How Your Choices Benefits Work -- An Overview 15 Making Benefit Changes During the Year 17 Medical Coverage 19 Employee Cost Comparison Chart 20 Medical Plan Coverage Chart 22 2017 Bi-Weekly Health Insurance Rates 23 Dental Coverage 25 Vision Coverage 26 Long Term Disability 27 Voluntary Short Term Disability 28 Life & Accidental Death & Dismemberment (AD&D) Insurance 30 Long Term Care 31 Flexible Spending Accounts 36 Paid Time Off 37 Matching Tax Deferred Savings Plan 39 Other Important Information 40 Do You Have Questions? 41 Non-Discrimination Notice

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What's Changing for 2017

Centra continuously reviews its employee benefits package for opportunities to increase benefits and decrease costs. The 2017 annual open enrollment period is here, and we are pleased to share with you great news about several benefit enhancements for eligible Centra employees! As you give careful consideration to what you and your family will need in the coming year, think about how to use your benefits wisely and still take advantage of their value.

One question you may ask is, "Can I really save money leveraging my medical benefits?" Yes! Here are a few ideas:

STAY LOCAL:

One of the easiest ways to save money is to take advantage of services already available in the Central Virginia area whenever possible. You can avoid paying additional coinsurance for an out-ofnetwork provider as well as save the medical plan expenses that are incurred at a more expensive

facility. Outlying facilities that do participate in the PCHP network can also result in increased costs as rates can be as much as 40-50% higher than Centra.

USE URGENT CARE FACILITIES:

Avoid the Emergency Department by going to an urgent care facility! Several urgent care facilities are now available in the PCHP network with extended hours for your convenience with no appointments necessary. For a $50 copay, you can shorten your wait time and avoid the added expense of an emergency room visit. Centra's new urgent care office is now available seven days a week, Monday through Thursday, 8 am ? 8 pm and Friday and Saturday 8 am ? 6 pm. X-ray services and treatment for a wide variety of conditions are available. Centra also offers urgent care at the Centra Danville and Centra Southside medical centers. Visit the "Find a Provider" list and search by type "Urgent Care" at for a full list of providers, locations, and hours.

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TRY VIRTUAL PHYSICIAN VISITS:

Need an appointment immediately? Don't want to miss time from work? Try using the new virtual visit service! For only a $20 co-pay, you can be treated for a variety of common illnesses and injuries through online access to a provider via a mobile device or computer, directly from the comfort of your own home or office. Providers of this convenient and time saving service can diagnose conditions, prescribe non-narcotic medications, and recommend further treatment when required. Watch for more information in January!

CHECK OUT CVS MINUTE CLINICS:

Traveling or living outside of Lynchburg? CVS Minute Clinics are now participating with PCHP! Members can be seen in any CVS Clinic, regardless of city or state location, for a PCP co-pay of $25. This is a convenient new option when care is needed outside the Centra Virginia area.

CHOOSE A CENTRA INFUSION CENTER:

The infusion centers at Virginia Baptist Hospital, Bedford Memorial Hospital, and Southside Community Hospital will be providing convenient infusion therapy at the lowest cost to Centra medical plan participants. As of 1-1-17, a visit to a Centra center will be available for a specialist co-pay of $50. All services at other non-Centra infusion centers/offices will be subject to deductible and co-insurance.

What other important changes are coming for 2017?

ENHANCED VISION PLAN:

Now's the time to check out the enhanced benefits available to Centra employees under our new vision provider: EyeMed! Enjoy a huge selection of lenses and frames, virtual "try on" technology, a 40% additional pair discount, and discounts at

Sunglass Hut! The KidsEyes benefit includes 2 annual eye exams, 40% off replacement glasses, and lens exchange if vision changes within the same year. Several enhanced diagnostic evaluation services are available for diabetic patients. There's even a discount benefit for hearing exams and hearing aids! All of these services are now available a premium increase of less than 20 cents per month!

ENHANCED DENTAL PLAN:

After careful review of market data for total member value for dental plan providers, Centra is now offering Anthem Dental. Advantages for participants thru this vendor change now include a $500 additional orthodontic benefit, a $250 "carryover" allowance for members who use less than half of their benefit in a calendar year.

NEW PHARMACY BENEFIT MANAGER:

Rising drug costs are a common trend in the U.S. In an effort to minimize increasing expenses, Centra reviewed several pharmacy benefit managers and will transition from Optum Rx to CVS Caremark (CVSC). Based on favorable financial results, there will be no change in co-pays for participants! Members will continue to enjoy the benefit of receiving a 90-day mail order discount at any participating pharmacy. Don't forget - you can pay the lowest co-pay and save money by taking generic medications whenever possible. The Pearson Cancer Center (PCC) pharmacy will also be added to the CVSC specialty pharmacy network, providing a more convenient and time saving option for PCC patients.

MEDICAL PLAN PREMIUMS:

Despite the many ways Centra has found to minimize increases in expense to the plan and its 11,000 employee and dependent members, overall costs are expected to rise in 2017. While there will be a modest increase to premiums, Centra continues to pay 75% of total plan expense.

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Your Centra Benefits and Their Value

Your benefits add a significant amount to your total pay--more than 25 percent of your salary! Centra works hard to provide a comprehensive benefits program at market competitive premiums. We offer you the flexibility to meet your changing needs. Centra pays a large percentage of the cost of many of your Choices benefits.

For those Choices benefits that are not subsidized, we negotiate reduced group rates with our vendors and pass the lower rates on to you. In most cases, you do not have to prove that you or your dependents are healthy to elect a benefit. We also provide you the opportunity to pay for a majority of your benefits with tax-free dollars so you get the most from your paycheck.

The Centra benefits program enables you to choose among a variety of options (including whether to even have the coverage) based on your needs.

The Centra "Choices" benefits package includes:

? Medical ? Dental ? Vision ? Voluntary Short Term Disability ? Long-Term Disability ? Basic Employee Life and Accidental Death

and Dismemberment (AD&D) Insurance ? Voluntary Employee Life Insurance ? Voluntary Accidental Death and

Dismemberment (AD&D) Insurance ? Dependent Life Insurance ? Long Term Care ? Health Care Spending Account ? Dependent Care Spending Account ? Retirement Savings Plan

Your work status (full time or part time) will determine your eligibility for each option in this package.

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Wellpower: A Wellness Program for Centra Employees

Whether managing a chronic disease, choosing a doctor or simply deciding what to eat, making smart choices about your health affects how you feel each and every day. Wellness is more than a choice, it's your will to make healthy decisions each day. We want to help you find your Wellpower! Our focus is to provide programs and tools to help you take charge of your health and improve your quality of life through healthy habits.

For more information on the Wellpower program, please visit the Wellness tab on the HR homepage of CentraPeople or contact Employee Wellness Program Manager, Corrin McCloskey.

Central Virginia YMCA Diabetes Prevention Program

If you're at risk for type 2 diabetes, you can make small, measurable changes that can reduce your risk and help you live a happier, healthier life. Through the employee wellness program, medical plan participants may be eligible for reimbursement once completing the program. The program features 25 sessions delivered over the course of one year led by a trained Lifestyle Coach in a group setting that offers motivation and support. For more information about the Y at 434.582.1900.

PROGRAM OFFERINGS AND DISCOUNTS

Weight Watchers Discount

Weight Watchers provides information, knowledge, tools and motivation to help you make the decisions that are right for you about nutrition and exercise. There are two options offered at a 50% discount for Centra employees: (1) Essentials Program On-Line or (2) Meetings Program with convenient meeting locations at work or in the community.

N.E.W. Healthy Lifestyles Discount

This eight week course teaches participants about nutrition, exercise and weight management. N.E.W. is based on the volumetrics eating plan. The program is offered to employees at a 50% discount. Employees are able to attend community classes or request their own class with eight participants.

YMCA Discount

The YMCA is a nonprofit organization focused on youth development, healthy living and social responsibility. Employees are eligible for a 25% discount at participating YMCA locations. View CentraPeople for a complete list. Contact your local branch for more information.

Bodymind App

The Bodymind App is designed to help you incorporate mindfulness and meditation into your daily life. Centra employees have access to hundreds of hours of guided meditation and mindfulness programs created to support you with stress, insomnia, pain, focus and much, much more. Sessions range from 3 minutes to 30 minutes. Each session is guided by expert teachers, psychologists, and doctors who talk you through each moment of the streaming meditations, as if you were in a private session. This resource is provided at no cost to you! Visit CentraPeople for more information.

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Bowen Wellness Center at Lynchburg General Hospital

The Bowen Wellness Center is operated by the YMCA of Central Virginia and serves Centra employees by offer a variety of group fitness classes, a cardio area outfitted with treadmills, ellipticals and bicycles as well as a functional fitness space for personal training. For more information, call (434) 200-7097.

Fitness Challenges & Race Subsidies

Twice annually Centra holds organization wide fitness challenges: the Strive for Five Challenge to complete 30 minutes of exercise five days a week beginning April 1 and the 100-Mile Challenge to run or walk 100 miles in 90 days beginning July 1. As part of the 100-Mile Challenge, Centra subsidizes race participation in several local races.

Women & Children's Services Education Discount

Centra holds a variety of classes to help mothers and families. Classes include Baby Basics, Breast Feeding, Infant Safety and Family Nutrition. Centra employees are provided a 20% discount for all classes. Please call (434) 200-4537 to receive the discount.

Employee Assistance Program

The EAP provides confidential, professional help to Centra employees and their families at no cost. EAP offers help with substance abuse, legal problems, grief and loss, as well as stress related to medical problems, financial strain or the work place. EAP is available 24 hours a day, seven days a week at (800) 645-1246.

Flu Shots and Vaccines

Centra provides annual flu shots and required vaccines to employees through Employee Health at no cost.

(800) 645-1246 (Nationally - Toll Free) (434) 845-1246 (Within the Central VA area)

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