2021 total rewards eguide - vmdcommunity.com

2021 Total Rewards eGuideVillageMD Providers

This publication contains important information about your benefits programs. Please read thoroughly and discuss with your family.

05/2021

TABLE OF CONTENTS

The information contained in this document is intended to summarize the benefits provided to you by VillageMD of Southeast Texas PA and VMD Primary Providers of Arizona. Every effort has been made to ensure the information in this document is accurate. Information in this document is intended to provide only a brief summary of your benefits and should not be relied upon as a definitive description of coverage. The formal legal plan documents and your summary plan descriptions contain additional details. If any of this information conflicts with the legal plan documents, the legal plan documents’ provisions will prevail. Nothing in this document constitutes a contract for, or guarantee of, any level of compensation or benefits or continued or future employment with Village Practice Management. Village Practice Management reserves the right to amend and/or terminate any of its plans at any time in its sole discretion.

ENROLL IN BENEFITS WITHIN 30 DAYS OF YOUR START DATEBE SURE TO:• Visit the VillageMD benefits website at

vmdcommunity.com

• Share and discuss the enrollment materials with your spouse or domestic partner, as it applies

• If you have questions, email [email protected]

• Decide and enroll in the coverage that is best for you and your family (or waive coverage)

2021 Benefits Highlights ................................................................................................. 4

Eligibility Guidelines ..........................................................................................................5

Action Required ..................................................................................................................6

Delivering a Patient-Centered Health Care Experience ........................................7

Medical ...................................................................................................................................8

Prescription Drugs ........................................................................................................... 12

Monthly Team Member Costs for Medical Coverage ...........................................14

Cigna Healthy Rewards .................................................................................................. 15

Employee Assistance Program (EAP) .................................................................... 16

Dental.................................................................................................................................... 17

Vision .................................................................................................................................... 18

Tax-Advantaged Accounts ............................................................................................ 19

Commuter Benefits Accounts ...................................................................................... 21

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance ...... 22

Voluntary Employee-Paid Life .................................................................................... 22

Disability ............................................................................................................................. 23

401(k) Retirement Plan.................................................................................................. 24

Allowed Time Off (ATO) and Holidays ..................................................................... 25

Parental Leave .................................................................................................................. 25

Continuing Medical Education (CME) ...................................................................... 26

Contact Information ....................................................................................................... 27

2vmdcommunity.com2021 Total Rewards eGuide — VillageMD ProvidersTABLE OF CONTENTS

https://vmdcommunity.com

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VILLAGEMD’S TOTAL REWARDS

Our Philosophy

As a health care employer of choice, we offer a market-competitive total rewards package to ensure VillageMD attracts, retains and supports the needs of top talent across our business.

VillageMD’s total rewards programs are designed to be innovative and flexible to meet the changing dynamics of our growing workforce and business.

As our Village grows, we will continue to invest in our team members by providing comprehensive benefits that are affordable, accessible and considerate of the diverse needs of our team members and their families during various career and life stages.

VillageMD is committed to delivering a quality team member experience to equip you with the tools and resources to succeed both in and outside of work.

Market-competitive package to attract, retain

and support top talent

Commitment to a quality experience to help you

succeed in and out of work

Innovative and flexible to meet the needs of a

growing workforce

Comprehensive benefits that are affordable,

accessible and considerate



2021 BENEFITS HIGHLIGHTS

Helping You and Your Family Be Your Best

• Medical and prescription drug plan options. VillageMD offers two medical plan options for 2021: the VillageMD Value-Based Plan and the HSA Medical Plan. Each plan includes prescription drug coverage.

• Access to high-quality, affordable health care. VillageMD pays the larger share of your medical plan premiums. When you enroll, your payroll deductions for your medical plan premiums will be determined by your annual base salary as of your start date and on the number of eligible dependents you cover.

• Dental and vision coverage. VillageMD offers comprehensive coverage for dental and vision. If you enroll in an HSA or FSA, you can use those tax-free dollars to pay for eligible dental and vision expenses.

• Tax-advantaged accounts. Set aside pre-tax dollars to pay for eligible health care and dependent day care expenses while lowering your taxable income. You can contribute up to annual IRS limits in 2021: – HSA: $3,600 individual/$7,200 family (NOTE: these maximums include any contributions you receive from VillageMD). The 2021 VillageMD HSA contribution: $500 individual/$1,000 family.

– Limited Purpose FSA: $2,750 – Health Care FSA: $2,750 – Dependent Care FSA: $2,500–$5,000 (depending on how you file your taxes)

• Commuter benefits accounts. You may contribute up to $270 per month on a pre-tax basis to pay for transit or parking expenses as part of your daily commute to work.

• Employee Assistance Program (EAP). At no cost to you, the EAP provides confidential, comprehensive support and resources for your emotional, legal, work-life and financial needs.

• Basic Life and Accidental Death & Dismemberment (AD&D) Insurance. At no cost to you, VillageMD provides coverage to protect the financial interests of your loved ones in the event of your death or serious injury.

• Voluntary employee-paid life insurance. You may purchase additional coverage to supplement your company-paid life and AD&D insurance.

• Short-Term Disability (STD) and Long-Term Disability (LTD). Disability coverage provides income protection if you are unable to work due to an accident or sickness. VillageMD provides disability coverage at no cost to you.

• 401(k). VillageMD will match your contributions, up to 3.5% of your base salary, to support you in preparing for a financially secure retirement.

• Allowed Time Off (ATO) and paid holidays. VillageMD provides the freedom and flexibility to take time off to support your personal well-being, health and life events.

• Parental leave. Take up to four weeks of paid parental leave within six months of a birth or adoption. An additional four weeks may be taken by women who give birth for recovery from pregnancy, childbirth or related medical conditions.

• Continuing Medical Education (CME). The CME supports your continuous work-related learning and certifications.

• Cigna Healthy Rewards. The Cigna Healthy Rewards® program includes discounts for various health and well-being programs.



ELIGIBILITY GUIDELINES

MEDICARE REMINDER/ALERT

If you and/or your dependents become eligible for Medicare now or during the coming year, please alert the VillageMD Benefits Center mmediately by email at [email protected]. Group health plans must follow Federal Medicare coordination rules, and you and the insurance carrier may need to take action to avoid a disruption in your coverage.

Who Is Eligible for Coverage?

• Team members actively working 30+ hours per week as required by VillageMD and our carriers.

• Your legal spouse, civil union partner or domestic partner, regardless of sex or gender.

• Your child(ren) under age 26, or those age 26 and older who are permanently and totally disabled.

For purposes of plan eligibility, your child(ren) means:

• Your birth child;

• Your legally adopted child or a child placed with you for adoption;

• A child for whom a court has appointed you legal guardian;

• Your stepchild;

• Your foster child; or

• Your domestic/civil union partner’s birth child or legally adopted child.

To be eligible for coverage, all dependents other than newborns must have a valid Social Security number.

Eligible dependent children who are disabled must have been disabled and covered by the plan before reaching age 26. You must submit an application to the VillageMD Benefits Center before the dependent turns age 26 to determine if they meet the criteria under the plan. If your dependent reaches age 26 before your application is approved, any claims will be denied until a determination is made.

If a dependent’s eligibility status changes and they no longer meet the definition of an eligible dependent, they must be removed from coverage. You must notify the VillageMD Benefits Center within 30 days by email at [email protected], so that COBRA (if applicable) and/or State Continuation coverage can be extended to the eligible dependent. Otherwise, your dependent may lose their right to COBRA (if applicable) and/or State Continuation coverage.





Resources to Help You With Your VillageMD Benefits

Visit vmdcommunity.com to explore your benefits and learn how to make the most of them — for yourself and your family.

Contact the VillageMD Benefits Center

The VillageMD Benefits Center supports you and your family in navigating your health care needs. They can help you to:

• Find an appropriate health care provider

• Understand your doctor’s recommendations for tests, medications, dietary plans and treatment options

• Prepare for your upcoming doctor’s visit, including questions to ask your doctor

Call 800-319-5598 (Monday–Friday, 8 a.m.–6 p.m. ET) or email [email protected].

ACTION REQUIRED

If You Don’t Enroll

You will not have VillageMD coverage for medical, dental, vision or employee-paid life insurance, nor may you participate in a Health Savings Account (HSA) or Flexible Spending Accounts (FSAs) through VillageMD in 2021.

Making Changes

You may only make changes to your elections during the plan year if you experience a qualifying life event, such as a birth, adoption, marriage, divorce, or your spouse/partner loses coverage through their employer.

If so, you must make changes within 30 days of the event. The change must align with the qualifying event (e.g., adding a dependent to the plan after the birth of a child). The change will take effect as of the event date.

When Will Coverage Become Effective?

Coverage elected during your initial benefits enrollment will become effective on the first of the month following your start date.

NOTE: If a mid-year benefit/plan change is made, the new benefits will begin immediately as of the effective date of the change. For example: If the deductible or out-of-pocket maximum increases, the new limit applies immediately and the member would be subject to that higher limit regardless of whether they had met the previous deductible or out-of-pocket maximum.

You must take action to enroll in 2021 coverage at workforcenow.adp.com within 30 days of your start date.




https://www.workforcenow.adp.com/


VillageMD aims to deliver a patient-centered health care experience to our team members and their families based on the VillageMD clinical care model. This includes:

• Establishing and building a strong relationship between the patient and primary care provider

• Focusing on preventive care

• Increasing coordination for collaborative care management

• Delivering access to high-quality, affordable health care

• Providing access to resources, tools and support

• Improving clinical results

• Reducing health care costs

DELIVERING A PATIENT-CENTERED HEALTH CARE EXPERIENCE

VillageMD Clinical Care Model

We know our physician-led, team-based care model gives patients and communities a better health care experience while lowering the overall cost of care. That’s the value of value-based care. Our 2021 medical plan options allow our own team members access to that same high-quality care at an affordable cost, extending the opportunity to experience the benefits of the VillageMD care model first-hand.



MEDICAL

HSA Medical

Plan

VillageMD Value-Based

Plan

Every day, we wake up to deliver the best primary care possible, centered on the physician-patient relationship. We know our physician-led, team-based model gives patients and communities a better health care experience while lowering the cost of care. That’s the value of value-based care. So it just stands to reason we’d want our own team members to enjoy this same high-quality, confidential care at an affordable cost.

Choose Between Two Medical Plans

Both plans:

• Offer comprehensive coverage and cover the same services

• Allow you to see any Cigna contracted in-network provider you like — but you’ll pay less when you use VillageMD and Affiliate providers

• Cover preventive care at 100% (including annual check-ups, vaccinations and wellness visits)

• Protect you from catastrophic expenses

• Include prescription drug, virtual care and mental health coverage

• Provide the opportunity to contribute to tax-advantaged health account(s)



Value-Based Plan: Confidential, Quality Care from VillageMD and Affiliate Providers

The VillageMD Value-Based Plan offers no-cost or low-cost care from VillageMD and Affiliate providers. You can be confident you’ll receive confidential, professional care.

We understand some team members will not have access to VillageMD providers, so the plan gives you access and flexibility to choose from a broad network of Cigna contracted providers. You will pay a bit more for care from Tier 2 (Cigna) and Tier 3 (out-of-network) providers, but your medical plan will cover the same services as it does for VillageMD and Affiliate providers.

VillageMD understands the importance of the physician-patient relationship. We believe every patient should feel comfortable and confident that they are receiving confidential, quality care and support.

MEDICAL (Continued)

GOOD TO KNOW

• Medical plans may require “prior authorization” or “pre-certification” for certain medical services. If you or your provider do not get prior authorization or pre-certification when required, benefits may be reduced or services not covered.

• Out-of-network benefits are paid based on Cigna’s Schedule of Maximum Allowances or what can be referred to as a “Usual and Customary” level. Out-of-network providers are not obligated to accept the SMA or Usual and Customary Level and may “balance bill” you for their actual charge above and beyond the SMA or Usual and Customary amount. These excess charges are not credited toward your deductible or out-of-pocket maximum.

Your Virtual Care Options

Both the VillageMD Value-Based Plan and HSA Medical Plan cover virtual visits, also known as tele-visits or telehealth. Virtual care is a convenient and cost-effective option for times when you need non-emergency care but can’t — or prefer not to — go to a health care facility.

Virtual care connects you or a family member with a physician or other provider who can assess your symptoms over web video or phone, provide a prescription if appropriate, and guide you on any follow-up care.

VillageMD Telehealth can connect you with your VillageMD primary care team for a wide range of everyday health concerns — from sore throats and back aches to follow-ups on chronic conditions.

If you need non-emergency care when your VillageMD provider is not available, MDLIVE is another virtual care option and is available 24/7/365 online at MDLIVE.com or by phone at 800-400-MDLIVE.

NOTE: Team members who live in Arizona and Texas have access to virtual visits through Village Medical at villagemedical.com/virtual-visits, or by calling 888-698-6727 (Arizona) or 713-461-2915 (Texas).


https://mdlnext.mdlive.com/home

https://www.villagemedical.com/virtual-visits


Plan Provision

Tier 1VillageMD &

Affiliate Providers (varies by market)

Tier 2Cigna Contracted

Providers (in-network)

Tier 3out-of-network

What You Pay

Deductible $0$750 individual/

$1,500 family$1,500 individual/

$3,000 family

Wellness/Preventive Care $0 (plan covers 100%)

$0 (plan covers 100%)

40% after deductible

Primary Care Office Visit $0(includes tele-visits)

$15 copay(includes tele-visits)

40% after deductible(tele-visits not covered)

Specialty Care $25 copay $40 copay40%

after deductible

• Hospital Services (inpatient/outpatient)

• Rehabilitative Services• Diagnostic Lab, X-Ray

10% coinsurance



Out-of-Pocket Maximum $3,000 individual/ $6,000 family

$3,000 individual/ $6,000 family


Prescription Drug Copays(30-day retail supply/ 90-day retail or mail-order supply)

• Generic: $10/$20• Preferred Brand: $30/$60• Non-Preferred Brand: $60/$120• Specialty Brand: $100/$200

90-day supply available through Walgreens retail locations or Express Scripts mail-order service.

No coverage for prescriptions filled at out-of-network

pharmacies

VillageMD Value-Based Plan

The VillageMD Value-Based Plan has three benefit tiers, based on the provider you choose at the time of care. You can use any tier at any time, and the benefit level will vary depending on the provider/tier used. Deductibles and out-of-pocket maximums apply when you move from Tier 1 to Tier 2 providers. The plan includes prescription drug coverage, as shown in the chart at right.

• Tier 1: Care from VillageMD and Affiliate Primary Care Providers with no deductible. As VillageMD adds new employed and partner providers, Tier 1 network accessibility will continue to grow.

• Tier 2: Cigna-contracted providers (in-network). Deductible applies.

• Tier 3: All other providers (out-of-network). Deductible applies. Lowest benefits and highest out-of-pocket costs compared with Tiers 1 and 2.

MEDICAL (Continued)

ABOUT THE FAMILY DEDUCTIBLE

With the VillageMD Value-Based Plan, each member is only responsible for their individual deductible — then coinsurance begins for that person.


To find an in-network provider, visit vmdcommunity.com. From there you can search for VillageMD and Affiliate Primary Care Providers (Tier 1) and connect to the Cigna provider search tool (Tier 2).



Plan ProvisionVillageMD and Affiliate Providers

Cigna Contracted Provider Network(in-network)

All Other Providers(out-of-network)

What You Pay

Deductible (combined deductible for medical and prescription drugs)



VillageMD’s HSA Contribution $500 individual/$1,000 family (pro-rated for new team members)

Wellness/Preventive Care $0 (plan covers 100%)

$0 (plan covers 100%)

• Primary Care + Tele-visits• Specialty Care• Hospital Services

(inpatient/outpatient)• Rehabilitative Services• Diagnostic Lab, X-Ray



Out-of-Pocket Maximum $3,000 individual/ $6,000 family


Prescription Drug(30-day retail supply/90-day retail or mail-order supply)

90-day supply available through Walgreens retail locations or Express Scripts mail-order service.

• Preventative Maintenance Generic: many are covered at 100% (no deductible)

• Generic: 10% after deductible• Preferred Brand:

20% after deductible• Non-Preferred Brand:

30% after deductible• Specialty Brand:


No coverage for prescriptions filled at out-of-network pharmacies

HSA Medical Plan

The HSA Medical Plan’s higher deductible makes you eligible to contribute to a Health Savings Account (HSA), per IRS regulations. An HSA will automatically be opened in your name if you enroll in this plan. Whether or not you contribute, VillageMD will make a contribution to your HSA in 2021. The plan includes prescription drug coverage, as shown in the chart at right.

The HSA Medical Plan has two tiers:

• In-network: VillageMD and Affiliate and Cigna network providers. Includes an automatic HSA employer contribution from VillageMD.

• Out-of-network: All other providers. Lower benefits and higher out-of-pocket costs than in-network.

MDLIVE service charges are $45 per medical visit, $65 per dermatology visit. Behavioral health service charges will vary.

MEDICAL (Continued)

ABOUT THE FAMILY DEDUCTIBLE

With the HSA Medical Plan, the family deductible amount must be met before coinsurance begins for any family member.


To find an in-network provider, visit vmdcommunity.com. From there you can search for VillageMD and Affiliate Primary Care Providers (Tier 1) and connect to the Cigna provider search tool (Tier 2).



Included with Your Medical PlanWhen you enroll in VillageMD medical coverage, you are automatically enrolled in prescription drug coverage through Express Scripts, with Walgreens as our preferred retail pharmacy.

• In both plans, your medical plan deductible includes prescription drug costs.

• Both plans include retail, mail-order and specialty prescription drug coverage.

• Your costs for prescriptions vary depending on the type of drug (generic vs. brand) and where you get it filled (in-network vs. out-of-network and retail pharmacy vs. mail order).

• You typically pay the least for a generic drug filled at an in-network pharmacy, so it’s always smart to check with your primary care physician to see if a generic alternative is available.

• Also, the Express Scripts drug formulary includes a comprehensive list of common brand name and specialty drugs. Check with your primary care physician or Express Scripts to see if your medication will be covered by the Express Scripts formulary.

VillageMD Value-Based Plan

Tier 1 Tier 2 Out-of-Network

What You Pay (copays for 30-day/90-day supply)

Generic: $10/$20 Preferred Brand: $30/$60

Non-Preferred Brand: $60/$120Specialty Brand: $100/$200

No coverage for prescriptions filled at out-of-network retail pharmacies

HSA Medical Plan

In-Network Out-of-Network

What You Pay

Most Preventive Maintenance Generic: many covered at 100% (no deductible)Generic: 10% after deductible

Preferred Brand: 20% after deductibleNon-Preferred Brand: 30% after deductible

Specialty Brand: 30% after deductible

You must meet combined medical and prescription plan deductible before coinsurance applies.

No coverage for prescriptions filled at out-of-network retail pharmacies

NOTE: CVS Pharmacy is not included in the VillageMD pharmacy network.

PRESCRIPTION DRUGS

PREFERRED RETAIL PHARMACY:

COVERAGE THROUGH:


https://www.express-scripts.com/art/open_enrollment/Preferred_Members_FormularyRxGuide.pdf

https://www.express-scripts.com/art/open_enrollment/SB_Members_Formulary.pdf


PRESCRIPTION DRUGS (Continued)

Partnering with Walgreens and Express Scripts for Savings

Walgreens Smart90 or Express Scripts mail-order? It’s up to you!

For maintenance medications (those you take on a regular basis), your VillageMD medical plan gives you two convenient ways to save time and money:

• Walgreens Smart 90: Pick up a 90-day supply at a Walgreens retail pharmacy.

• Express Scripts mail-order: Have a 90-day supply delivered right to your door.

You are free to choose whichever option works best for you. Either way, your cost for a 90-day supply is the same.

Prior Authorization/ Step Therapy Program

Before you can receive benefits for certain medications, your physician will need to get approval through Express Scripts, and you must meet certain criteria. Under the Step Therapy program, you may be required to first try a proven, cost-effective medication before progressing to a more costly treatment if necessary.

Express Scripts Specialty Pharmacy (Accredo) Mandatory Specialty Program

For complex medical conditions, you are required to purchase your specialty medications through the Prime Specialty Pharmacy. If you choose to use another pharmacy for specialty prescriptions, benefits will be paid at the out-of-network level.

Register with Express Scripts

to manage your medication anywhere, any time.

Register here, or download the Express Scripts mobile

app for free from your mobile device’s app store.


https://www.express-scripts.com/art/open_enrollment/GSHD.pdf

https://www.express-scripts.com/art/open_enrollment/SM90_AccredoYourJourneyBrochure.pdf



https://www.express-scripts.com/


VillageMD pays the larger share of your total health care premiums. To ensure affordability and fair distribution of costs, the amount you pay for medical coverage is based on your annual salary as of your start date, as well as the number of dependents you cover.

The 2021 monthly costs for benefits-eligible team members are as follows:

Coverage Tier VillageMD Value-Based Plan HSA Medical Plan

Under $49,999

Employee Only $71.82 $75.32

Employee + Spouse/Domestic Partner $166.62 $173.19

Employee + Child $155.51 $160.84

Employee + Family $258.35 $266.94

$50,000–$74,999





$75,000–$124,999





More than $125,000





MONTHLY TEAM MEMBER COSTS FOR MEDICAL COVERAGE



CIGNA HEALTHY REWARDS

If you enroll in VillageMD medical coverage, you can take advantage of the Cigna Healthy Rewards® program. Healthy Rewards offers discounts for the following health and well-being programs:

The program is separate from your medical, dental and vision benefits coverage, so the services don’t apply to your plan’s copays or coinsurance. No doctor’s referral is required — and no claim forms, either. Set the appointments yourself, show your ID card when you pay for services and enjoy the savings.

For the latest information, register and log in to myCigna.com. Click on “Wellness” on the upper right and select “Healthy Rewards — Discount Programs” or call 800-870-3470.

Fitness

Tobacco cessation

Mind/body programs

Vision and hearing

careAlternative medicine

Healthy lifestyle products


https://my.cigna.com


EMPLOYEE ASSISTANCE PROGRAM (EAP)

You have access to mental health resources — even if you are not enrolled in medical coverage — with our Employee Assistance Program (EAP) partner, ComPsych®:

NOTE: If you are enrolled in VillageMD medical coverage, you also have access to additional mental health and chemical dependency services under your plan’s deductible and coinsurance.

Caregiving Support

Your ComPsych GuidanceResources® program offers someone to talk to and resources to consult whenever and wherever you need them.

Confidential Emotional Support

ComPsych’s highly skilled clinicians are trained to support and listen to you and your family’s concerns about:

• Anxiety, depression and stress

• Grief, loss and life adjustments

• Relationship/marital conflicts

Legal Guidance

Talk to an attorney for practical assistance with legal matters like divorce, adoption, family law, wills and trusts.

You can also have a 30-minute consultation at no cost to you, and a 25% reduction in any representation fees.

Work-Life Solutions

Work with a specialist to get qualified referrals and resources for:

• Child, elder and pet care support

• Planning events

• Hiring movers or home repair contractors

Financial Resources

Financial experts can help you with:

• Retirement planning and taxes

• Relocation, mortgages and insurance

• Budgeting, debt, bankruptcy and student loans

CONTACT COMPSYCH

Online: guidanceresources.com (Registration ID: DLEAP)

App: GuidanceNowSM

Phone: 888-628-4844 (available 24/7)


https://www.guidanceresources.com


DENTAL

The Dental PPO plan allows you to see any provider of your choice. There are two levels of benefits depending upon whether your provider is in or out of the Cigna network. You pay less out of your pocket when you stay within the Cigna network.

In-Network and Out-of-Network

Deductible

Individual $50

Family $150

Waived for: Preventive and Orthodontia

Preventive Services

Cleanings, Exams 100%

Basic Services

Fillings, Endodontics, Periodontics 80%

Major Services

Crowns, Bridges, Implants 50%

Orthodontia Services

Adults and Children 50%

Annual Dental Maximum

Adults and Children $2,000

Orthodontia Lifetime Maximum

Adults and Children $2,000

Costs (Monthly)

Employee Only $9.66

Employee + Spouse/Domestic Partner $18.46

Employee + Child(ren) $22.98

Employee + Family $31.78

PROVIDER SEARCH

Go to: CignaDentalSA.com

Select the Cigna Dental PPO Shared

Administration network


http://www.CignaDentalSA.com


The Vision plan requires you to receive care from a VSP-affiliated provider. If you obtain services from a provider not affiliated with VSP, you may be eligible for a small allowance or reimbursement. To minimize your out-of-pocket expenses, use a VSP provider.

VSP Choice In-Network Out-of-Network

Exam

Vision $10 copay $45 allowance

Contacts $60 copay $45 allowance

Lenses

Single $25 copay $30 allowance

Lined Bi-focal $25 copay $50 allowance

Lined Tri-focal $25 copay $65 allowance

Frames

$130 allowance (+ 20% off balance)

$70 allowance

Frequency

Exam Every 12 months

Lenses Every 12 months

Frames Every 24 months

Costs (Monthly)

Employee Only $2.32

Employee + Spouse/Domestic Partner $3.73

Employee + Child(ren) $3.80

Employee + Family $6.11

VISION

PROVIDER SEARCH

Go to: vsp.com

Click “Find a Doctor”

Enter location

Select “Choice” as the Network


https://www.vsp.com/


When you enroll in a VillageMD medical plan, you may contribute to a tax-advantaged health account to help you pay for eligible out-of-pocket expenses. There are two types of accounts: Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). The type of account you can enroll in depends on the medical plan you choose (see chart below). There’s also an FSA to help you save on eligible dependent day care expenses. Here’s how the different accounts work, including the amount you can contribute annually and what the money can be used for.*

HSA Limited Purpose FSA Health Care FSA Dependent Care FSA

Compatibility with VillageMD Medical Plans Enroll in the HSA Medical Plan Enroll in the VillageMD

Value-Based Plan or HSAEnroll in the VillageMD

Value-Based Plan

Enroll in the VillageMD Value-Based Plan

or HSA Medical Plan

Eligible ExpensesQualifying health care expenses,

including medical, prescription drug, dental, orthodontia and vision care

Qualifying dental (including orthodontia)

and vision care

Qualifying health care expenses, including medical,

prescription drug, dental, orthodontia and vision care

Qualifying dependent day care for an eligible

child or adult

2021 IRS Maximum Annual Contribution

$3,600 individual/$7,200 family

Age 55+ may contribute an additional $1,000

IRS limits apply to team member and VillageMD contributions combined

$2,750 $2,750 $2,500 or $5,000, depending on tax filing status

Compatibility with VillageMD Medical Plans Enroll in the HSA Medical Plan

Enroll in the VillageMD Value-Based

Plan or HSA Medical Plan



or HSA Medical Plan

Funds roll over Yes Yes, up to $550 Yes, up to $550 No

PortabilityYes. If you leave or retire from

VillageMD, the entire balance in your HSA belongs to you.

No. You may only be reimbursed for costs incurred while you are employed by VillageMD.

Ability to change contributions during the year

Yes. You can start, change or stop contributions anytime throughout the year.

No. The contribution amount you elect during enrollment cannot be changed unless you experience a qualifying life event.

When funds are available to spend

Contributions are available upon deposit to your account, per IRS rules.

The annual amount you elect to contribute is available as soon as administratively possible after your start date.

Contributions are available upon deposit

to your account.

Earnings potential Yes. Your balance will earn interest in an account insured by the FDIC. No

Who the funds can be used for

You, your spouse and anyone you can claim as a dependent on your federal tax return.

You, your spouse and anyone you can claim as a dependent on your federal tax return.

Qualifying dependent day care expenses for a child up to age 13, elderly parent or disabled spouse who is not physically or mentally able to care for himself or herself.

* For important IRS guidelines on HSAs and FSAs, please visit: irs.gov/publications/p969/. Note that tax regulations are subject to change. Consult a qualified tax/financial advisor to determine the best approach for your situation.

TAX-ADVANTAGED ACCOUNTS


https://www.irs.gov/publications/p969/


About Your HSA Contributions

• You must remain HSA-eligible for all 12 months of the tax year to make the full annual HSA contribution. If you become ineligible for an HSA later in the year, you must prorate your maximum contribution.

• You are generally not eligible to open an HSA if any of the following apply: – You or your spouse are participating in a FSA (other than a Limited Purpose FSA) in the same tax year, or have a “rollover amount” or grace period from the prior year

– You are entitled to enroll in Medicare (Part A, B, C or D or Medigap) – You are enrolled in another health plan (i.e. spouse’s plan) that is not a qualified high-deductible health plan – You can be claimed as a dependent on someone else’s taxes – You are eligible for a Health Reimbursement Arrangement (HRA) or a Medical Expense Reimbursement Plan (MERP), which provides benefits prior to reaching the IRS required minimum qualified high-deductible health plan deductible

For a complete description of all IRS guidelines on HSAs, please visit: irs.gov/publications/p969/.

TAX-ADVANTAGED ACCOUNTS (continued)

LEARN MORE ABOUT

HSAs AND FSAs

Contact Asure 888-862-6272 asuresoftware.

wealthcareportal.com


https://www.irs.gov/publications/p969/

https://asuresoftware.wealthcareportal.com



If you commute to work by transit or personal vehicle, the Commuter Benefits Accounts are tax-advantaged accounts that allow you save money on related expenses each month, making your commute more convenient and affordable. For 2021, you may make pre-tax contributions up to $270 per month to pay for eligible expenses, which reduces your taxes with each paycheck.

A Commuter Transit Account is a pre-tax benefit account used to pay for public transit—including train, subway, light rail, bus, and ferry—as part of your daily commute to work.

A Commuter Parking Account is a pre-tax benefit account used to pay for parking as part of your daily commute to work, including parking at or near your place of work or at a location near where you take public transportation to get to work. Plus, you can opt to have your parking provider paid directly, taking one item off your to-do list.

Type of Account Expenses Used for Qualified, Work-Related Transit and Parking Expenses Include Monthly Limit

2021 Transit Bus, ferry, subway/train/streetcar, commercial vanpool, or commuter highway vehicles

$270

2021 Parking Parking at or near work, park and ride expenses, parking at or near transportation service sites

$270

NOTE: You may enroll in or change your Commuter Benefits Account contributions at any time during the year.

COMMUTER BENEFITS ACCOUNTS

LEARN MORE ABOUT

HSAs AND FSAs

Contact Asure 888-862-6272 asuresoftware.

wealthcareportal.com





BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE

To provide financial protection for you and those who depend on you, VillageMD provides basic life and AD&D coverage at no cost to you.

Basic Life and AD&D Amount Lesser of 2x annual salary or $150,000

Benefit Reductions 35% at age 70; 45% at age 75

To make sure your benefits are paid out the way you intend, keep your beneficiary designation updated. Contact Total Rewards at [email protected] for the appropriate form.

You are automatically

enrolled in this coverage at no

cost to you.

VOLUNTARY EMPLOYEE-PAID LIFETo supplement your Basic Life coverage, you may enroll in voluntary coverage at your own cost.

Team Member Coverage $10,000 to $500,000 in increments of $10,000

Team Member Guarantee Issue Amount

$50,000 (no medical questions for amounts requested up to this level when initially eligible)

Benefit Reductions 35% at age 70; 45% at age 75

Spouse Coverage Options $5,000 to $100,000 in increments of $5,000 (not to exceed team member amount)

Spouse Guarantee Issue Amount $20,000

Child Coverage • Birth to 14 days: $1,000• Age 15 days to 6 months: $1,000• Age 6 months to 26 years: $1,000–$10,000 in increments of $1,000

Reductions of your elected benefit amount may occur (and/or spouse coverage may terminate) at a certain age. Please see plan outline or carrier certificate for details.

NOTE:

Your coverage may not be effective until the first of the month following the date your enrollment form is signed and dated and/or approved.




DISABILITY

PROTECTING YOUR INCOME

VillageMD provides disability coverage to

replace part of your income if you become unable to

work due to an illness or injury.

NOTE:

• Pre-existing conditions clause: In general, no benefit will be paid if the claim occurs during the “Pre-existing condition trial period” and is the result of an illness or accident connected to a “pre-existing condition.”

• In general, any illness or injury that you have received treatment for including: being hospitalized for, had surgery for, received therapy for, consulted a medical practitioner for or taken medication for during the “pre-existing occurrence period” immediately prior to your coverage effective date.

Short-Term Disability (STD)

Enrollment As a benefits-eligible team member, you are automatically enrolled in coverage at no cost to you

Monthly Benefit 60% of base pay, up to $1,000 weekly (minus any income from other sources such as Social Security)

Benefit Payable After 7 days

Maximum Benefit Duration 13 weeks following the 7-day elimination period

Long-Term Disability (LTD)

Enrollment You are automatically enrolled in LTD coverage at no cost to you

Monthly Benefit Lesser of 60% of monthly base pay or $10,000

Benefit Payable After 90 days

“Own Occupation” Period Maximum benefit duration

Maximum Benefit Duration Until Social Security Normal Retirement Age (SSNRA)

Pre-Existing Condition Occurrence/Trial Period 3 months/12 months



VillageMD provides a 401(k) retirement plan for all team members after 90 days of service. The plan is administered by ADP Retirement Services.

• Unless you opt out, you will be automatically enrolled with a 3% team member contribution starting the month after you become eligible.

• You may contribute up to the IRS annual limit ($19,500 in 2021).

• If you are age 50 or older, you can make catch-up contributions (up to $6,500 in 2021).

VillageMD will provide matching contributions of up to 3.5% of your eligible pay, as follows:

• Match 100% of the first 1% of pay you contribute.

• Match 50% of the next 5% of pay you contribute.

• If you contribute a full 6% of pay, VillageMD will contribute 3.5% to your account.

Your own 401(k) contributions are always 100% vested. Contributions from VillageMD are subject to a vesting period based on your length of service:

Service Period Match Vesting

Less Than 1 0%

1 to 2 Years 50%

2+ Years 100%

NOTE: If you terminate employment, you will always keep the right to the vested portion of your 401(k) balance.

401(k) RETIREMENT PLAN

401(k) Savings Example

Team Member Contribution VillageMD Match

Gross Compensation: $50,000 First 1% at 100%: $500

Deferral Election: 6% 2% to 6% at 50%: $1,250

Team Member Deferral: $3,000 Total Match: $1,750

Total Match % of Pay: 3.5%

Total 401(k) Contribution: $4,750



VillageMD provides eligible team members the freedom and flexibility to take time off to support your personal well-being, health and life events.

• Allowed Time Off (ATO): 160 hours annually pro-rated against start date and FTE status – You must adhere to your department’s ATO approval policy. – Your accrued ATO balances will be available through ADP. – A maximum of 40 hours of accrued and unused ATO may be carried over from one calendar year to the next.

ALLOWED TIME OFF (ATO) AND HOLIDAYS

• Holidays: 8 paid company holidays*

– New Year’s Day – Memorial Day – Independence Day – Labor Day – Thanksgiving Day – Christmas Day

– 2 half days on Christmas Eve and New Year’s Eve (hours of 7:30 a.m.–1 p.m.)

– One additional floating holiday (to be decided annually by team member)

* VillageMD will announce each year the actual workdays that will be recognized as paid holidays.

PARENTAL LEAVE

Welcoming a new child to your family is a busy and joyful time. VillageMD offers parents time off to care for and bond with a child after giving birth or adoption.

All benefits-eligible team members at VillageMD are eligible for paid parental leave:

• Up to four weeks of paid parental leave, plus an additional four weeks may be taken by women who give birth for recovery from pregnancy, childbirth or related medical conditions. All paid parental leave must be taken continuously and within six months after the birth, adoption or placement of the child.

• If both parents are VillageMD team members, the two team members will be eligible for a combined eight weeks of paid leave within a rolling three-year period, with approval from their respective supervisors or the Human Resources Department. Parents may not take their leaves of absence simultaneously unless they obtain written approval from VillageMD.

• While a team member is on paid parental leave, VillageMD will continue their health insurance coverage under the same conditions that existed immediately prior to the beginning of the leave.*

• Paid parental leave runs concurrently with FMLA leave. Please note that VillageMD‘s Parental Leave policy does not interfere with, extend or expand your rights under FMLA. Parental leave provided beyond VillageMD’s policy will be unpaid and governed by the FMLA.

* If the team member does not return from leave, VillageMD will be entitled to reimbursement for its share of health insurance premium costs incurred during the team member’s leave. The sole exception will be if the team member does not return to work because of a situation that would otherwise entitle the team member to FMLA leave or because of circumstances beyond the team member’s control.



Physicians (M.D., D.O.)

• Up to $2,000 annually in CME benefits, earned exclusively via one of the below options. – Attending quarterly, 90-minute education sessions focused on key components of the VillageMD clinical model. As a provider, you will be paid $500 for completion of each session, up to $2,000 annually. You will receive the benefit payment within 60 days of completing the session with confirmed attendance. CME credit will be available for these sessions when possible. OR

– Self-selected CME will be reimbursed up to $2,000 annually. All reimbursable expenses will be submitted through Village Medical’s expense management system within 30 days of incurred expense.

• Five days allocated annually for CME completion, whether for the quarterly 90-minute sessions or a self-selected CME event.

• Access to UpToDate, a tech-enabled education and clinical decision-support platform that aligns continued clinical education with CME opportunities.

• Access to a simulation-based education environment focused on aligning continued clinical education with CME opportunities.

CONTINUING MEDICAL EDUCATION (CME)

Village Medical’s CME benefit aims to provide a comprehensive, diversified learning infrastructure with both internal and external opportunities to support focused, efficient, and effective learning.

Advanced Practice Professionals (N.P., P.A.)

• Up to $1,000 annually in CME benefits, earned exclusively via one of the below options. – Attending quarterly, 90-minute education sessions focused on key components of the VillageMD clinical model. As an APP, you will be paid $250 for completion of each session, up to $1,000 annually. You will receive the benefit payment within 60 days of completing the session with confirmed attendance. CME credit will be available for these sessions when possible. OR

– Self-selected CME will be reimbursed up to $1,000 annually. All reimbursable expenses will be submitted through Village Medical’s expense management system within 30 days of incurred expense.

• Three days allocated annually for CME completion, whether for the quarterly 90-minute sessions or a self-selected CME event.

• Access to UpToDate, a tech-enabled education and clinical decision-support platform that aligns continued clinical education with CME opportunities.

• Access to a simulation-based education environment focused on aligning continued clinical education with CME opportunities.



For Questions About VillageMD Partner Phone and Hours of Operation Website

Benefits Enrollment ADP Workforce Now 24/7 workforcenow.adp.com

Medical VillageMD Benefits Center800-319-5598

Monday–Friday8 a.m.–6 p.m. ET

Email: [email protected]

Prescription Drug Express Scripts/Walgreens877-620-6729

24/7express-scripts.com/NPF

Dental VillageMD Benefits Center800-319-5598

Monday–Friday8 a.m.–6 p.m. ET

Email: [email protected]

Vision VSP 800-877-7195 vsp.com

Health Savings Account (HSA)Asure

888-862-6272 Monday–Friday

7 a.m.–5 p.m. CTasuresoftware.wealthcareportal.comFlexible Spending Accounts (FSAs)

and Commuter Spending Account

Life Insurance and Accidental Death & Dismemberment (AD&D) Dearborn National 800-348-4512 dearbornnational.com Long- and Short-Term Disability

Employee Assistance Program (EAP) ComPsych888-628-4844

24/7guidanceresources.com (Registration ID: DLEAP)

Parental LeaveVillageMD Talent Operations Team NA Email: [email protected]

Continuing Medical Education (CME)

401(k) Plan ADP Retirement Services800-695-7526 Monday–Friday

9 a.m.–10 p.m. CT mykplan.adp.com

CONTACT INFORMATION


https://www.workforcenow.adp.com/

http://www.express-scripts.com/NPF

https://www.vsp.com


https://www.dearbornnational.com

https://www.guidanceresources.com


http://www.mykplan.adp.com


2021 total rewards eguide - vmdcommunity.com

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