benefitmatters - tufts medical center

BenefitMattersSTAFF 2018

TABLE OF CONTENTSBenefit Enrollment Information 5

Medical Plan Information 7

Fitness Plan Information 9

Vision & Dental Plan Information 12

Flexible Spending Accounts 16

Tuition Reimbursement 18

PTO/Disability Plans 20

Retirement/Other Information 22

Contribution Rate Sheet 26

Where to Go for Help 28

2 Tufts Medical Center

Every year we work to achieve our overall objective for employees – to offer value-added benefits that are competitive in the market and increase the value of employees’ total rewards (total rewards means salary/wages, plus all benefits). In turn, the benefits offered at Tufts Medical Center play a key role in the health and security of you and your family.

We encourage you to read the information contained in this booklet. Because the decisions that you make during Open Enrollment (November 6th through November 17th) are binding for all of 2018 (unless you experience a qualifying event), consider your options carefully. Ask questions. We’re here to help:

Employee Benefits Center: 617-636-6352, [email protected]

A MESSAGE FROM THE BENEFITS OFFICE

LOOKING AHEAD TO OUR 2018 BENEFITS PACKAGE

3BenefitMatters 2018

THINGS TO REMEMBER THIS PLAN YEAR:We encourage you to consider the Atrium 3 Pharmacy for your prescription needs when you see a physician at Tufts Medical Center, 800

Washington Street Campus.* It is convenient and offers the best service and the lowest co-pay for our employees and their families. Start saving money now! Ask your Tufts MC provider to have your prescriptions filled at our Atrium 3 pharmacy, or call 617-636-5381 to have scripts being filled elsewhere transferred to Atrium 3. Refer to page 10 of this booklet for more details.

Please remember that if you are enrolled in the Tufts Health Plan Staff Medical Plan, in order for you to receive a Tier 1 co-pay, the doctor must be a Tufts Medical Center doctor and must also be contracted with Tufts Health Plan. You can check to see if your doctor is contracted with Tufts Health Plan by contacting Tufts Health Plan directly at 800-462-0224 or login to www.tuftshealthplan.com/tuftsmedicalcenter.

Did you know Tufts MC has a YouDecide Discount Program? Tufts MC employees can receive corporate discounts on things like cell phone plans (Verizon, AT&T, TMobile), restaurants and retail shopping. Refer to page 25 of this booklet for more details.

* The following clinics on campus are not eligible to have their prescriptions filled through the Atrium 3 Pharmacy due to their ownership structure: Allergy Clinic, Adult and Pedi Rehab Medicine, Psychiatry, Pratt Diagnostic Clinic.

WHAT’S NEW IN 2018?There will be a 1.5% increase in medical insurance premiums across all plans and all levels of coverage. Tufts MC is

maintaining its current cost sharing structure and will continue to pay for 80% of the total cost of your medical plan.

We will be adding fitness center and weight loss reimbursement programs to Tufts Health Plan. You may receive up to $150 reimbursement on eligible fitness center/gym and/or weight loss membership expenses. Check out program details as well as our corporate membership discounted rates with Wang YMCA and Boston Sports Club on page 9 of this booklet.

We will be changing our Flexible Spending Account and Tuition Reimbursement third party administrator from Crosby Benefits to Benefits Strategies. Please carefully review pages 16-19 of this Benefits Matters booklet and check out the Q&A section to find out what this change means for you, as some of these changes will be implemented as early as November 2017.

We will be increasing the max Healthcare Flexible Spending Account amount to $2,600 per plan year from $2,500. Take advantage of pre-tax savings! FSAs give you the opportunity to set aside a portion of your salary before taxes to pay for certain health (medical, dental, prescription and vision) and/or dependent care expenses.

Minuteman medical insurance no longer will be offered 1/1/2018 due to the insurance company’s receivership and dissolution status. We want to assure you that you and your family will have medical insurance for 1/1/2018, although it will not be through Minuteman. The Tufts MC Benefits Department is researching the best insurance options for you and your family. As soon as we determine what these options will look like we will let you know.

2018

2018’s Open Enrollment will be from November 6 – November 17, 2017.

NOVEMBERSUN MON TUE WED THU FRI SAT

1 2 3 45 6 7 8 9 10 1112 13 14 15 16 17 1819 20 21 22 23 24 2526 27 28 29 30


Again in 2018, Tufts Medical Center will offer a Personal Health Assessment (PHA) and Biometric Screening Campaign to our employees, as well as offering a financial incentive (a preferential rate for health insurance in 2019) to complete the PHA and Biometric Screening. The PHA is a confidential online tool, offered through Tufts Health Plan, that helps you learn how your choices affect your health. It incorporates answers to several questions as well as your key health measures, otherwise known as biometrics.

IT’S COMPLETELY FREE AND TOTALLY CONFIDENTIAL. Benefits include:

Recognition of factors that contribute to chronic diseases such as heart disease, cancer, diabetes and other conditions

Interactive online health tools to help you reach your goals

Members will become aware of the key drivers that affect health, including the measures examined during the Biometric Screening

The PHA tool is available for all employees – even those who are not Tufts Health Plan members. Details will be provided before the campaign starts in late spring. At that time you will be given instructions on how to take advantage of the PHA and nurses will again be on-site to assist with the Biometric Screenings.

MANAGING THE HEALTH OF OUR POPULATION

Take the next step to achieving a healthier lifestyle and better overall well-being by taking the PHA and Biometric Screening in 2018.


To enroll for benefits, complete the enrollment form included in your new hire materials (or available from the Employee Benefits Center) indicating your choices for coverage and your beneficiary designations for life and AD&D insurance.

Sign and return the form to the Employee Benefits Center within 30 days of your date of hire. If you don’t enroll within 30 days, you will have to wait until the next Open Enrollment period to enroll in benefits at Tufts Medical Center unless you have a qualifying change in status as described below and on the back of your enrollment form.

You may enroll in the Silver Dollars Program only during the annual enrollment period for the next plan year.

To enroll or make changes in the Retirement Savings Plan (RSP-403(b)), contact Fidelity Investments at 800-343-0860 or www.fidelity.com/atwork. Changes can be made at any time to your Fidelity 403(b) benefit, not just during Open Enrollment.

MAKING CHANGES DURING THE YEAR* Your benefit elections will remain in effect through December 31, 2018 unless you have a qualifying change in status during the year, as defined by the Internal Revenue Service (IRS). Generally, a qualified status change includes marriage or divorce, birth or adoption of a child, death of a dependent, a change in your or your spouse’s employment status, or a change in your spouse’s benefits enrollment through his or her employer.

When you have a change in status, you may make a corresponding change in your coverage consistent with the status event. For example, for medical and dental coverage you may change from single to family coverage or vice versa, or drop or add coverage. You may not, however, change plans. If you have a change in status and wish to change your coverage, you must report it to the Employee Benefits Center within 30 days of the status change. If you do not report the change within 30 days, you must wait until the next annual enrollment period to change your coverage.

* This does not apply to the Silver Dollars Program, which does not allow changes during the year.

NEWLY ELIGIBLE EMPLOYEES IN 2018


PLAN DEDUCTIONS: Last pay period deductions for 2017 benefits will be in the 12/22/17 paycheck.

First deduction for 2018 benefits will begin in the 1/5/18 paycheck.

Refer to the Rate Sheet on pages 26 and 27 for new 2018 Plan Year Premium amounts.

HOW TO ENROLL

CURRENT EMPLOYEES NEW HIRES DURING THE YEAR

Open Enrollment Period for changes that are effective January 1, 2018:11/6/2017 – 11/17/2017

Enroll within 30 days of your date of hire for coverage to take effect on the first day of the month coincident with or following your date of hire.

To enroll, log on to the Tufts Medical Center intranet homepage to access the ONLINE Employee Self Service enrollment system (see “How to Enroll” flyer).

To enroll, complete the enrollment form included with your new hire materials and return to the Employee Benefits Center in Farnsworth 152 or scan a copy to [email protected].

Make sure your enrollment is completed by November 17. Upon completing the enrollment, please print the confirmation for your records.

Make sure your enrollment is complete within 30 days of your hire date.


If you use Tufts Medical Center providers, you’ll receive quality care and personal service from the providers affiliated with our hospital. It’s convenient, follow-up care is easy and accessible, you’ll have few (if any) out-of-pocket costs, and you can take advantage of our on-site pharmacy.

TUFTS HEALTH PLAN STAFF PPO

Want to know which coverage tier applies for your provider (physicians and hospitals)? Log on to: www.tuftshealthplan.com/tuftsmedicalcenter

Tier 1: Wellforce members and their affiliated physicians. When you seek medical treatment at Tufts Medical Center*, Lowell General Hospital and Hallmark Health System (Lawrence Memorial or Melrose-Wakefield Hospitals), you receive 100% coverage for inpatient services and can see our physicians for a $15 copay. Note the copay is waived for preventive care, for example routine physicals, OB/GYN exams and for well-child care. You can confirm the physician you choose is a Tier 1 provider by logging on to www.tuftshealthplan.com/tuftsmedicalcenter.

Remember, you can choose where to receive treatment each time you need medical services. Your share of the cost will depend on that choice. This means you are free to use local doctors for routine care and then come to Tufts Medical Center if your condition becomes more serious. Inpatient services received at Tufts Medical Center are covered in full.

Tier 2: Community hospitals and their affiliated physicians (not included in Tier 1) who are part of the Tufts Health Plan network. For some, it may not be easy to get into the city. Tier 2 coverage includes many local community hospitals contracted by Tufts Health Plan, such as South Shore Hospital, North Shore

Medical Center and Winchester Hospital. Inpatient care at these hospitals is covered at 100% after a $500 copay. You pay a $35 copay for physicians office visits and a $55 copay for specialists.

Tier 3: Academic teaching hospitals and their affiliated physicians (not included in Tier 1) who are part of the Tufts Health Plan network. You may receive treatment at the other academic teaching hospitals in the Boston area, such as Mass General, Brigham & Women’s and Boston Children’s Hospital. Recognizing the higher cost of these facilities, you pay a $1,500 copay for each inpatient hospitalization and a $75 copay for physician or specialist office visits. However, well-child care office visits will be covered at 100%.

Tier 4: Other facilities and providers, outside the Tufts Health Plan network. You may go to providers with no affiliation with Tufts Health Plan. For this level of coverage, you must first meet a deductible and then pay 20% coinsurance for your care, including physician office visits. Also, plan benefits are based on reasonable and customary fee levels in your local area; you pay any charges that are considered above reasonable and customary charges.

YOUR COVERAGE

* Note: Not all providers on the Tufts MC Boston Campus are Tier 1 Providers. In order for you to receive a Tier 1 co-pay, the doctor must be a Tufts Medical Center doctor and must also be contracted with Tufts Health Plan.

Tufts MC is a great choice for careTufts MC is highly respected as an industry-leading healthcare provider. Because of the increasing emphasis on healthcare consumerism, insurance companies and plan sponsors want to fill their high-efficiency networks with high quality care, low-cost providers, like Tufts Medical Center. We agree this is a smart move and have structured our employees’ benefit choices to also provide the greatest cost savings when using Tufts Medical Center and members of our physicians’ network to care for you.

But don’t just come to Tufts MC because it is cheaper in relation to the other tiers; come here because you are proud of what you – as an employee – have helped to build, the history of which you have become a part, and the level of care you are confident you will receive. And, in addition, coming to Tufts MC for care helps to keep valuable dollars in our system.

To find information regarding providers’ tiers, go to www.tuftshealthplan.com/tuftsmedicalcenter


* The lower copay amounts apply for medications prescribed by a Tufts Medical Center provider and filled at the on-site pharmacy. The higher copays apply for medications prescribed by other providers and filled at participating Caremark retail pharmacies. For mail-order prescriptions, you pay two times the higher copay amount for up to a 90-day supply.

** Deductible does NOT apply when using Atrium 3 Pharmacy.

Overview of the Tufts Medical Center Employee Medical Plans

SERVICETIER 1: WELLFORCE MEMBERS

TIER 2: LOCAL COMMUNITY HOSPITALS

TIER 3: ACADEMIC TEACHING HOSPITALS

TIER 4: OUT-OF-NETWORK PROVIDERS

Annual deductible N/A N/A N/A$2,000 per person,$4,000 per family

Annual out-of-pocket limit $4,000 per person, $8,000 per family$6,000 per person,$12,000 per family

Hospital inpatient care Covered in full $500 copay $1,500 copay20% coinsuranceafter deductible

Doctor office visits $15 copay $35 copay $75 copay20% coinsuranceafter deductible

Specialist visits $15 copay $55 copay $75 copay20% coinsuranceafter deductible

Routine physicals and OB/GYN visits

$0 copay $0 copay $75 copay20% coinsuranceafter deductible

Well-child care $0 copay $0 copay $0 copay20% coinsuranceafter deductible

Emergency care: ER Doctor office

$75 copay$15 copay

$125 copay$35 copay

$125 copay $125 copay

Imaging tests(x-rays and ultrasounds)

Covered in full $50 copay $75 copay20% coinsuranceafter deductible

Imaging tests (MRIs, CT/CAT scans, PET scans)

Covered in full $200 copay $350 copay20% coinsuranceafter deductible

Lab tests (diagnostic) Covered in full Covered in full Covered in full20% coinsuranceafter deductible

Allergy injections $15 copay $15 copay $50 copay20% coinsuranceafter deductible

Eye exams (once every 12 months)


Outpatient day surgery $15 copay $500 copay $1,500 copay20% coinsuranceafter deductible

Physical/speech therapy $15 copay $50 copay $50 copay20% coinsuranceafter deductible

Spinal manipulation by a chiropractor


Mental health care/substance abuse care: Inpatient

Outpatient

Covered in full

$15 copay

Covered in full

$15 copay

Covered in full

$15 copay

20% coinsuranceafter deductible20% coinsuranceafter deductible

Prescription drugs:Retail copay (30-day supply):Pharmacy Deductible** Generic Preferred brand Non-preferred brand

For all coverage tiers:

$5*/$15$10*/$25$25*/$40

Pharmacy out-of-pocket limit $2,600 per person, $5,200 per family N/A

PLEASE NOTE: Not all providers on the Tufts MC Boston campus are Tier 1 Providers. In order for you to receive a Tier 1 co-pay, the doctor must be a Tufts Medical Center doctor and also must be contracted with Tufts Health Plan.

Want to know which coverage tier applies for your provider (physicians and hospitals)? Log on to www.tuftshealthplan.com/tuftsmedicalcenter to check.

$150 - individual plan deductible/$300 - family plan deductible


FITNESS CENTER AND WEIGHT LOSS PROGRAM REIMBURSEMENT Q & ATUFTS HEALTH PLAN

1. What is the fitness center and weight loss reimbursement program? If you are a Tufts Medical Center employee enrolled in Tufts Health Plan insurance, the program includes a $150 fitness center membership reimbursement. As you may know, we offer and will continue to offer employees reimbursement for fees and costs associated with the completion of the Tufts Medical Center Weight & Wellness Center Program. Eligible reimbursements include $75 for the 6-week program, $125 for the 12-week program, and up to $20/week reimbursement (max $240 for food) for the Meal Replacement Program for up to 12 weeks per year. You may apply for both gym and weight loss reimbursements in the same calendar year. You can have a gym membership and take part in a weight loss program at the same time.

2. Who is eligible for the benefit?If you are a Tufts Medical Center employee enrolled in Tufts Health Plan, you must be enrolled for at least 4 months before submitting for reimbursement.

3. What types of fitness centers are eligible for the reimbursement programs?Gyms that include both cardiovascular and strength training machines are eligible for the program. Examples of eligible fitness centers are Planet Fitness, Equinox, YMCA, etc.

Ineligible programs are country clubs that include a workout room and exercise class or fitness center, martial arts classes, tanning salons, tennis clubs, personal training or dance classes.

4. What types of weight loss programs are eligible or ineligible for the reimbursement program?

(*Note, the following is not a change in our current program. The program will stay the same)

As you may know, we offer and will continue to offer employees reimbursement for fees and costs associated with the completion of the Tufts Medical Center Weight & Wellness Center Program. Eligible reimbursements include $75 for the 6-week program, $125 for the 12-week program, and up to $20/week reimbursement (max $240 for food) for the Meal Replacement Program for up to 12 weeks per year.

Excluded from the THP reimbursement program are external, non-Tufts MC weight loss programs, weight loss supplements such as vitamins, protein shakes and nutritional counseling elsewhere.

5. What is the deadline to send in my form?

If you are a Tufts Health Plan member you have 24 months from the date you paid your membership costs to submit for reimbursement. Proof of payment must be submitted with the forms.

6. What has to be submitted to get the reimbursement?

You must submit proof of payment with the applicable reimbursement claim form. Examples of payment can include receipts, cancelled checks or bank statements.

7. Where can I get more information on this program?

Tufts Health Plan800-462-0224

Tufts Medical Center Employee Benefits Office617-636-6352

Tufts Medical Center Weight and Wellness Center 617-636-8726

Need a gym? Check out our discounted corporate membership rates!

Boston Sports Club

Corporate Discounted Rate: $54.99/mo

Initial $99.99 enrollment fee is waived.

1st month of membership is free.

– That is $575 in savings the first year of membership.

Regular “BSC Passport” Rate: $89.99/mo

Discounted rates also apply to family members in the same household. We will have a BSC representative available to sign employees up for membership at our Open Enrollment Information Sessions or just bring your Tufts MC badge to the Downtown Crossing Location to sign up. You must go to the Downtown Crossing location for initial sign up, then you can visit any of Boston Sports Club’s 30 other locations in the Boston, North Shore and South Shore Area.

Wang YMCA of Chinatown

Discount includes 10% off membership fee and 50% off Joiner Fee. The regular joiner fee per adult is

$25.00, you pay a discounted fee of $12.50 per adult.

Applies only to Wang YMCA of Chinatown.

Individual (Ages 18-29)

Regular Discounted

Ages 18-29 $33.00 $29.70

Ages 30-64 $51.00 $45.90

Age 18+ $59.00 $53.10

Age 65+ $51.00 $45.90

Family (1 adult and children under 27)

Regular Discounted

1 adult and children under 27

$59.00 $53.10

2 adults and children under 27

$68.00 $61.20


* The following clinics on campus are not eligible to have their prescriptions filled through the Atrium 3 Pharmacy due to their ownership structure: Allergy Clinic, Adult and Pedi Rehab Medicine, Psychiatry, Pratt Diagnostic Clinic.

PLEASE NOTE: When a generic is available, but the pharmacy dispenses the brand-name medication for any reason other than doctor or other prescriber indicates “dispense as written,” you will pay the difference between the brand-name medication and the generic plus the brand copayment.

PRESCRIPTIONS FROM ATRIUM 3 PHARMACY

Your Tufts Medical Center health plan offers many convenient options for you to fill your prescriptions at a national network of pharmacies, including Tufts Medical Center’s Atrium 3 pharmacy. Savings on prescriptions can make a big difference. Tufts MC has made it extraordinarily affordable to fill Specialty Prescriptions at the Atrium 3 Pharmacy. Specialty prescriptions have a $0 co-pay at the Atrium 3 Pharmacy; speak to one of our Pharmacists in Atrium 3 for more info at extension 6-5381.

If your prescriber is a Tufts Medical Center physician on our 800 Washington Street campus, you can fill all medications at a reduced copay at the Atrium 3 pharmacy.*

YOUR OUT-OF-POCKET COSTS AT ATRIUM 3SHORT-TERM MEDICATIONS (UP TO A 30-DAY SUPPLY)

LONG-TERM MEDICATIONS (UP TO A 90-DAY SUPPLY)

Generic Medications $5 copay $10 copay

Preferred Brand-Name Medications $10 copay $20 copay

Non-Preferred Brand-Name Medications $25 copay $50 copay

The annual deductible does not apply to the Atrium 3 pharmacy.

You also have the option to fill your medications at any of CVS Caremark’s 68,000 network pharmacies, including chain pharmacies such as CVS Pharmacy and Walgreens, or many independent pharmacies. To find a list of network pharmacies, visit Caremark.com. Your costs for short-term and long-term medications at pharmacies outside of Atrium 3 are outlined below:

YOUR OUT-OF-POCKET COSTS AT CVS CAREMARK NETWORK PHARMACIESSHORT-TERM MEDICATIONS (UP TO A 30-DAY SUPPLY)

LONG-TERM MEDICATIONS (UP TO A 90-DAY SUPPLY)

Generic Medications $15 copay $25 copay

Preferred Brand-Name Medications $25 copay $45 copay

Non-Preferred Brand-Name Medications $40 copay $75 copay

The annual deductible for individual coverage is $150 and $300 for family coverage. The deductible applies to all Preferred Brand-Name and Non-Preferred Brand-Name prescriptions filled outside of the Tufts Medical Center onsite Atrium 3 pharmacy.

The annual out-of-pocket maximum for all prescriptions filled at any pharmacy are: Tufts MC Staff: $2,600 per individual and $5,200 per family (combined with medical)

For questions regarding your prescriptions being filled or transferred to Tufts MC’s Atrium 3 Pharmacy, please call 617-636-5381. For other questions regarding your prescription benefits, go to Caremark.com or call Customer Care at 800-386-9404.

QUESTIONS?


Care Here Versus Elsewhere

SPECIALTY PRESCRIPTIONS HAVE NO COPAYIt is extraordinarily affordable to fill specialty prescriptions at the Atrium 3 Pharmacy. In fact, to encourage the use of our Atrium 3 Pharmacy and maximize the therapeutic benefit from these complex medications, we have reduced the copay to $0!

Examples of these scripts include:

Harvoni Gilenya

Sovaldi Rebif

Humira Copaxone

Pulmozyme Avonex

Enbrel Cimzia

... and many more!

EMPLOYEE 1 – Receiving Care at Tufts MC3 office visits at Tufts Medical Center: $45

Inpatient stay at Tufts MC: $0

CT scan at Tufts MC: $0

Generic maintenance medication filled at The Atrium 3 Pharmacy (annual cost – $5 monthly): $60

Specialty medication filled monthly at The Atrium 3 Pharmacy (annual cost – $0 monthly): $0

Total Cost Out-of-Pocket: $105

EMPLOYEE 2 – Receiving Care Elsewhere3 office visits at a Tier III provider (other AMC): $225

Inpatient stay at a Tier II provider (community hospital): $500

Rx Deductible (individual): $150

CT scan at a Tier II provider: $200

Generic maintenance medication filled at CVS (annual cost – $15 monthly): $180

Specialty medication filled monthly at CVS Specialty Pharmacy (annual cost – $40 monthly): $600

Total Cost Out-of-Pocket: $1,855


VISION BENEFITS MADE EASY

As in years past, employees enrolled in one of Tufts Health Plan health insurance plans will enjoy a complimentary vision plan. This plan (also with EyeMed, subcontracted through Tufts Health Plan) offers an eye exam at a reduced rate and discounts for glasses and contacts. For more robust coverage, especially if you have a need for glasses/contacts, see above information on the Supplemental Vision Insurance Plan through EyeMed.

1. America’s biggest vision network – You’ll get access to 71,400 providers, including 44,982 independents and 26,418 retail partners. Plus, you can visit top retail providers such as LensCrafters®, Sears Optical®, Target OpticalSM, JCPenney Optical®, most Pearle VisionSM locations and Tufts MC (New England Eye Center & New England Eyewear). Enjoy the convenience and quality care at the New England Eye Center and Tufts Medical Center Optical Shop.

2. A more convenient experience – Eyemed.com and our iPhone mobile app give you on-the-go access to benefit details, claims, provider locations and more. And, since many providers offer extended evening and weekend hours, you can get care when it works for you.

3. Choices that will make you happy – We don’t restrict our members to limiting frame towers. Instead, you’ll get a choice of Armani, Coach, Ray-Ban, DKNY and many more. (All brands may not be available at all provider locations.)

4. Amazing savings – With EyeMed, you’ll get more “bang” for your benefit buck: 40% off additional complete pairs; 20% off non-prescription sunglasses; and 15% off laser vision correction or 5% off promotional price, whichever is less. (Discounts only available at participating providers. Does not apply to discount plans.)

For more information on Tufts MC New England Eye Center’s Lasik Eye Surgery discount please call 617-636-6769.

Need some new frames? Contact Tufts MC New England Eyewear at 617-338-9595.

5. Answers when you need them – Our welcome kit has answers to frequently asked questions, your ID card and more. Plus, visit eyemed.com or download the iPhone app for handy resources and quick tips.

Vision Policy for Tufts Health Plan Subscribers

SERVICE TUFTS HEALTH PLAN

Eye exam (every 12 months) $25 copay

Eyeglass lenses (single vision, bifocal, trifocal; every 12 months) Discounts available

Eyeglass frames (every 24 months) 35% discount off retail prices

Contact lenses (in lieu of eyeglasses; every 12 months) Mail order contact lens replacement program only

Vision benefits should enhance your life – not complicate it. That’s why more than 36 million members turn to EyeMed. Curious? Check out these 5 reasons to enroll!


Vision Care Services In-Network Member Cost Out-of-Network Reimbursement

Exam (with dilation as necessary) $0 copay Up to $50

Retinal Imaging Up to $39 N/A

Frames $0 copay; $130 allowance; 20% off retail price over $130 Up to $75

Standard Plastic Lenses

Single Vision $20 copay Up to $42

Bifocal $20 copay Up to $78

Trifocal $20 copay Up to $130

Standard Progressive Lens $85 copay Up to $140

Premium Progressive Lens $105 copay - $130 copay

Tier 1 $105 copay Up to $196



Tier 4 $85 copay, 80% of charge less $120 allowance Up to $196

Lenticular $20 copay Up to $130

Lens Options (paid by the member and added to the base price of the lens)

UV Treatment $0 Up to $12

Tint (Solid and Gradient) $15 N/A

Standard Plastic Scratch Coating $0 Up to $10

Standard Polycarbonate $0 Up to $26

Standard Polycarbonate - Kids under 19 $0 Up to $26

Standard Anti-Reflective Coating $45 N/A

Premium Anti-Reflective Coating N/A

Tier 1 $57 N/A

Tier 2 $68 N/A

Tier 3 80% of charge N/A

Photochromic/Transitions $0 N/A

Polarized 20% off retail price N/A

Other Add-Ons and Services 20% off retail price N/A

Contact Lens Fit and Follow-Up (contact lens fit and two follow-up visits are available once a comprehensive eye exam has been completed)

Standard Contact Lens Fit & Follow-Up Up to $55 N/A

Premium Contact Lens Fit & Follow-Up 10% off U&C N/A

Contact Lenses

Conventional $0 copay; $150 allowance; 15% off retail price over $150 Up to $150

Disposable $0 copay; $150 allowance; plus balance over $150 Up to $150

Medically Necessary $0 copay, Paid-in-Full Up to $200

Laser Vision Correction

Lasik or PRK from U.S. Laser Network 15% off the retail price or 5% off the promotional price N/A

Frequency

Examination Once every 12 months

Lenses or Contact Lenses Once every 12 months

Frame Once every 24 months

More discounts to enhance the benefits above!

Summary of EyeMed Benefits

40% OFF 20% OFF 20% OFFComplete pair of prescription eyeglasses Non-prescription sunglasses Remaining balance beyond plan coverage

These discounts are not insured benefits and are for in-network providers only.


To encourage regular care, we offer a dental plan through Delta Dental of Massachusetts: DeltaPreferred Option USA. The DeltaPreferred Option USA Plan combines two of Delta Dental’s national dental networks: DeltaPreferred Option network, with more than 42,000 participating dentists and DeltaPremier network, with more than 108,000 dentists. You may use a dentist in either network and receive the benefit of discounted fees. However, you will receive the greatest value when you visit a DeltaPreferred Option dentist, as they generally have agreed to deeper discounts for their services. (Our Dental Plan also offers coverage for services received from non-participating dentists, but your out-of-pocket costs may be much higher and you may need to submit claim forms to receive your plan benefits.)

Our Dental Plan covers preventive and diagnostic care, and basic and major restorative services. There is no coverage for orthodontia. Before you seek dental care, ask your dentist if he or she participates with the DeltaPreferred Option network or the DeltaPremier network. You may also log on to www.deltamass.com and click on the Find a Dentist section or call Delta Dental’s Customer Service at 800-872-0500 to check.

DENTALPLAN

ROLLOVER MAX Our Dental Plan includes a special feature: Rollover Max. With Rollover Max, a portion of your $1,500 annual benefit maximum that you do not use during a plan year may be rolled over to the next year. This rollover money is then added to your next year’s annual benefit maximum, making increased dental benefits available to you. This can help with the cost of major and more expensive dental services, such as crowns and bridges (but not orthodontia). No paperwork or action is required on the eligible employee’s part. The insurance will do this automatically if you qualify (see qualification criteria below). Here are the highlights.

If your yearly claims are $700 or less, you could roll over up to $500 to use in the next year or beyond, up to an overall capped rollover amount of $1,250.

To qualify, you must have at least one cleaning or oral exam in a calendar year, and you must be enrolled before the 4th quarter of a year.

If you leave Tufts Medical Center, you will lose your rollover amount.

For information about your rollover amount, contact Delta Dental at 800-872-0500.

There is no increase to the dental premium this year.


Overview of Dental Plan Covered ServicesCalendar Year Maximum: $1,500 per person. Co-insurance

Category/Procedure Qualifications In Network

Out of Network

Diagnostic

Comprehensive Evaluation Once every 60 months.

100% 100%

Periodic Oral Exam Twice per calendar year.

Full Mouth X- rays Once every 60 months.

Bitewing X-rays Twice per calendar year.

Single Tooth X-rays As needed.

Preventive

Teeth Cleaning Twice per calendar year.

100% 100%

Fluoride Treatments Twice per calendar year for members under age 19.

Space Maintainers Required due to the premature loss of teeth. For members under age 14 and not for the replacement of primary or permanent anterior teeth.

Sealants Unrestored permanent molars, every 4 years per tooth for members through age 15. Sealants are also covered for members aged 16 up to age 19 for those who had a recent cavity and are at risk for decay.

Chlorhexidine Mouthrinse This is a covered benefit only when administered and dispensed in the dentist’s office following scaling and root planing.

Fluoride Toothpaste This is a covered benefit only when administered and dispensed in the dentist’s office following periodontal surgery.

Restorative

Silver Fillings Once every 24 months per surface per tooth.

80% 80%

White Fillings (Front Teeth) Once every 24 months per surface per tooth.

White Fillings (Back Teeth) Covered only for single surfaces. Once every 24 months per surface, per tooth, multi-surfaces will be processed as a silver filling and the patient is responsible up to the submitted charge.

Temporary Fillings Once per tooth.

Stainless Steel Crowns Once per primary tooth per 24 months after a pulpotomy.

Oral Surgery

Simple Extractions Once per tooth.80% 80%

Surgical Extractions Once per tooth.

Periodontics

Periodontal Surgery One surgical procedure per quadrant in 36 months.80% 80%

Scaling and Root Planing Once in 24 months, per quadrant.

Periodontal Cleaning Once every 3 months following active periodontal treatment. Not to be combined with preventive cleanings. 100% 100%

Endodontics

Root Canal Treatment Once per tooth.80% 80%

Vital Pulpotomy Limited to deciduous teeth.

Prosthetic Maintenance

Bridge or Denture Repair Once within 12 months, same repair.

80% 80%Rebase or Reline of Dentures Once within 36 months.

Replacement of Crowns & Onlays Once per tooth.

Emergency Dental Care

Minor treatment for Pain Relief Three occurrences in 12 months.80% 80%

General Anesthesia General anesthesia and IV sedation are allowed with covered surgical impacted wisdom teeth only.

Prosthodontics

Dentures Once within 60 months.

50% 50%Fixed Bridges and Crowns When part of a bridge. Once within 60 months.

Implants – Only in lieu of a three-unit bridge

An endosteal implant is covered to replace one missing tooth, and when all adjacent teeth are healthy and do not require crowns. Once per 60 months per implant. Pre-estimates recommended.

Major Restorative

Crowns When teeth cannot be restored with regular fillings. Once within 60 months per tooth. 50% 50%

Dependent Eligibility: Eligible dependents up to age 26.


Flexible Spending Accounts (FSAs) give you the opportunity to set aside a portion of your salary before taxes to pay for certain health (medical, dental, prescription and vision) and/or dependent day care expenses. These accounts help you reduce your costs for health expenses not covered by your benefit plans, and the cost of child or elder care services for your eligible dependents.

MEDICAL FSAYou may elect to contribute from $250 up to $2,600 per calendar

year, on a pre-tax basis, to help pay for eligible health care expenses for you and your family.

Eligible expenses include (but are not limited to) deductibles, copays, coinsurance, doctor-prescribed weight loss and smoking cessation programs, medical equipment, eyeglasses and other out-of-pocket health care expenses that are deductible for federal income tax purposes.*

If you elect to contribute to a Medical FSA, you will be able to take advantage of a debit card. Just show it to your providers (physicians, facilities and pharmacies) and they can receive direct reimbursement from your account. It’s as easy as that and, in most cases, you will no longer have to submit receipts.

If you have any remaining funds at the end of the year, you can take advantage of our grace period which allows you to incur expenses from the prior plan year’s balance through the first 2½ months of the next year.

You must submit claims incurred during a plan year (including the 2½ month grace period noted above) by March 31 of the next plan year.

DEPENDENT FSAYou may elect to contribute to this account, on a pre-tax basis,

to help pay for eligible child and elder care services incurred. You may contribute from $250 up to $5,000 per calendar year if you are married and file a joint income tax return, or if you are single and file as head of household; up to $2,500 per calendar year if you are married and file a separate income tax return.

Eligible dependent care expenses include fees for babysitting services, nursery school, licensed daycare centers, summer day camps and in-home care for a dependent who is not capable of self-care. To qualify for reimbursement under the dependent care account, the expense must be for the care of a dependent:

Who is under the age of 13 and can be claimed as a dependent on your federal tax return, or

Who lives in your house at least one-half of the year, is fully dependent upon you, and is claimed as a dependent on your federal tax return. If expenses for this dependent are incurred outside your home, then the expenses are qualified only if this dependent regularly spends at least 8 hours a day in your home.

Under IRS regulations, you must file reimbursement requests by March 31 of the next plan year. You must have incurred the expenses during the calendar year in which the account was in effect. You forfeit all funds remaining in the account after March 31.

FLEXIBLESPENDING ACCOUNTS

* Please keep in mind that over-the-counter medication is generally not reimbursable through your FSA unless prescribed by a doctor.


FSA CHANGES FOR 2018We will be changing third party administrators this year, from Crosby Benefits to Benefit Strategies. Please carefully read the below FAQ’s and timeline so you will understand how this effects your FSA if you are already enrolled in one.

Please note that FSA deductions will not be affected. These will continue as usual via payroll deduction and will not change through the end of the year.

IMPORTANT DATES:11/30/17

Last day to submit all paper FSA claims and use your Crosby debit card. After 11/30/17 at 11:59 pm, all claims received (paper claims and debit card usage) will be denied.

12/1/17-12/13/17

Blackout period – employees will not be able to submit any claims, use debit cards, be reimbursed or view balances during this time.

12/1/17

Employees will receive new Benefit Strategies debit cards in the mail, but cannot use them until 12/14.

If employees want to be reimbursed via direct deposit they should go online and sign up for direct deposit through Benefit Strategies at www.benstrat.com.

12/14/17

1st day to submit FSA claims and use new Benefit Strategies debit card. Please note that it takes about 5 business days to be reimbursed for a claim. If you do not have direct deposit, please account for mailing time.

1st day employees will be able to view their balances as of 11/30/17, online at the new Benefit Strategies website. Please allow 5 business days for new claims to be posted online at the new Benefit Strategies website.

Employees should start calling Benefit Strategies at 888-401-3539 for questions such as balance inquiries, claim submission, eligible expense questions etc.

FSA FAQS:1. With the transition to Benefit Strategies, who should

I contact with questions about my claims, card balances or eligible expenses?

Until 11:59 pm on 11/30/2017, questions and claim submission should go to Crosby Benefits. During the blackout period (12/1-12/13), claim submission and questions regarding balances will need to put on hold until 12/14/2017, at which time, you would reach out to Benefit Strategies by visiting www.benstrat.com or calling the Customer Service number at 888-401-3539.

2. What happens during a Blackout Period?

During the blackout period from 12/1/17-12/13/17, you will not be able to check balances, submit claims, or inquire about the status of a reimbursement. After the blackout period ends on 12/14/2017, create an account on www.benstrat.com to view your balance (as of 11/30/2017). Set up a new direct deposit account on www.benstrat.com, if this is the method of reimbursement you prefer, as your direct deposit information will not carry over from Crosby to Benefit Strategies. If you incur expenses during the blackout period, please keep your receipts or proofs of purchase for submission via a paper claim to Benefit Strategies on 12/14/17 or after.

3. When will I get a new Medical FSA debit card?

New debit cards will be mailed to you from Benefit Strategies and should arrive on or around 12/1/2017; however, the cards will not be active until the blackout period ends on 12/14/2017. Your Crosby Benefits FSA debit card will be turned off at 11:59 pm on 11/30/17. As mentioned above, if you incur claims or expenses during the blackout period, please keep your receipts until you can submit a paper reimbursement form (for Medical or Dependent care expenses) to Benefit Strategies. This form can be found online at www.benstrat.com (Employee tab >FSA>Forms).

For questions about this transition please call the Tufts MC Benefits Department at x6-6352 or email [email protected]?


All eligible* regular full- and part-time (20 or more scheduled hours), non-union employees of Tufts Medical Center who have completed three months of continuous service are eligible to apply for tuition reimbursement. To be eligible for reimbursement, an employee must be in good standing with Tufts Medical Center for the duration of the course.

COURSE ELIGIBILITY To be eligible for reimbursement, the course must be taken for credit and a grade, and be offered at a two- or four-year college or university listed on Tufts Medical Center’s approved list of accredited institutions. This list is reviewed and updated annually. The course must be necessary to fulfill the curriculum requirements for a degree related to the employee’s current position or a course which provides education for another healthcare-related position within Tufts Medical Center. Degree candidates must submit evidence of acceptance into a degree program.

For more details please refer to the Tuition Reimbursement Policy located on the HR Intranet > HR Policy Manual.

Reimbursement for eligible courses is given according to the following schedule:

Eligible employees who have positions regularly scheduled for 30 or more hours per week may receive a tuition reimbursement benefit of 75% of tuition costs up to a maximum of $2,000 per calendar year.

Eligible employees who have positions regularly scheduled for at least 20 hours per week or more but less than 30 hours per week may receive a tuition reimbursement benefit of 75% of tuition costs up to a maximum of $1,000 per calendar year.

* Employees covered by a collective bargaining agreement (i.e., union), employees covered by a written employment contract, Research Fellows, and professional staff, including Residents, Interns and Fellows are not eligible for benefits under this policy.

TUITION REIMBURSEMENT


TUITION REIMBURSEMENT CHANGES FOR 2018

We will be changing third party administrators this year, from Crosby Benefits to Benefit Strategies. Please carefully read the below FAQ’s and timeline so you will understand the reimbursement process going forward with Benefit Strategies.

IMPORTANT DATES:11/15/17

Last day to submit all tuition claims with Crosby. After 11/15/17 at 11:59 pm, all claims received will be denied.

11/15/17-11/30/17

Blackout period – employees will not be able to submit any claims, be reimbursed or view balances during this time.

12/1/17

1st day to submit tuition claims with Benefit Strategies. It takes about 2 weeks for tuition claims to be processed and paid out.

1st day employees will be able to view their balances as of 11/15/17, online at the new Benefit Strategies website. Please allow 5 business days for new claims to be posted online at the new Benefit Strategies website.

Employees should start calling Benefit Strategies at 888-401-3539 for questions such as balance inquiries, late claim submission, policy questions, course requirements etc.

If employees want to be reimbursed via direct deposit they should go online and sign up for direct deposit through Benefit Strategies at www.benstrat.com.

TUITION REIMBURSEMENT FAQS:1. With the transition to Benefit Strategies, who should

I contact with questions about my tuition reimbursement or eligible courses?

Until 11/15/2017, questions and claim submission should go to Crosby Benefits. From 11/15/17-12/01/2017, questions and claim submission will be put on hold during the Blackout Period while we transition your information from Crosby Benefits to Benefit Strategies. Please note that any claim submitted to Crosby after 11/15/2017 will be denied, and should be resubmitted to Benefit Strategies after the end of the Blackout Period.

2. If I submitted a reimbursement claim with Crosby Benefits prior to 11/15/2017, will I still be paid?

Yes, reimbursements from Crosby Benefits for claims received before the 11/15/2017 deadline will be paid out either via direct deposit or paper check to you by 11/30/2017.

3. Is there a Blackout Period for the Tuition Reimbursement?

Yes, from 11/15/2017-12/1/2017 you will not be able to submit tuition reimbursement claims, inquire about eligible courses, or review your reimbursement status. Effective 12/01/2017, you should reach out to Benefits Strategies either via the www.benstrat.com website or by calling the Customer Service contact number at 888-401-3539 with questions. Please hold onto all reimbursement paperwork until after the Blackout Period and submit it to Benefit Strategies on 12/1/2017. Also on 12/1/2017 or after, you should create a new direct deposit account with Benefit Strategies and review your tuition reimbursement statuses online at www.benstrat.com.

4. How long will it take to see my Tuition Reimbursement process after the Blackout Period?

Once the Blackout Period ends on 12/1/2017, you can submit claims incurred during this time through Benefit Strategies. As mentioned above, please be sure to hold onto all application paperwork during the Blackout Period to submit to Benefit Strategies on or after 12/1/2017. Please note that your direct deposit information will not carry over from Crosby Benefits to Benefit Strategies, so please be sure to go online to www.benstrat.com to create your new profile.

For questions about this transition please call the Tufts MC Benefits Department at x6-6352 or email [email protected]?


PLEASE NOTE that temporary employees, medical interns, residents, clinical fellows, research fellows, post-doctoral fellows, members of the Special and Scientific Staff, MNA union members and per-diem employees are excluded from the PTO Policy. Please refer to departmental-specific policies.

PTO Accrual Rates (Full-Time Employees)*

* Prorated for part-time individuals, please see PTO Policy for more complete breakout of PTO accrual rates.1 Manager is defined as grade 13+ and EEO code of 10-14.2 Years of service in above chart is inclusive. Example: 5 weeks of PTO is granted at year 10.

NOTE: PTO accrued on paid hours (max 80), not scheduled hours

Non-Management1 Management1

1-9 years of service2 4 weeks per year, 160 hours max 1-19 years of service2 5 weeks per year, 200 hours max

10-19 years of service2 5 weeks per year, 200 hours max 20+ years of service2 6 weeks per year, 240 hours max

20+ years of service2 6 weeks per year, 240 hours max

PAID TIME OFF

THINGS TO REMEMBER

No Accruals Beyond Max: If you reach your PTO max (above), you will stop accruing more PTO time, until you bring your balance below the max.

1

Policies: All attendance policies and departmental call-off procedures remain in force.

Year-end: What will happen to my PTO on January 1? Nothing will happen - you will continue accruing until you hit your PTO max at any given

time during the year.

PTO Cashouts: At Open Enrollment, elect 1 or ½ week PTO cashouts to be paid out in April and October 2018. You can elect 2 cashouts per year. You must have at least one week in your PTO bank to receive any cashout. PTO Cashouts must be newly elected every open enrollment (if desired) for the following year. They do not roll over.

PLEASE NOTE: After December 31, 2017, cashouts elected for 2018 cannot be rescinded or changed.

2 3

4


If you are scheduled to work at least 20 hours per week (.5 FTE), you are eligible for employer-paid short-term disability at no cost to you. The income replacement benefit is 60%. The benefit will begin on the 15th calendar day following the start of your disability, following a 14-day waiting period, with transition to long-term disability after 180 days.

You will be responsible for electing and paying for long-term disability during Open Enrollment, and will have benefit options of 50% or 65% income replacement.

LEGACY SICK TIMEIf eligible and have this time available, you can use your frozen, otherwise known as legacy, sick bank when you have applied and been approved for a continuous medical leave.

OTHER RESOURCESContact the Employee Benefits Center, via phone Ext. 6-6352 or via email at: [email protected]

Intranet resources

Employee Self Service: https://lawpa.c12c.netaspx.com/lawson/portal/

– Check leave balances

Human Resources main intranet page: http://intra/hr/

Human Resources Policy Library: http://neintra/hr/nemchr/default1.asp

SHORT-TERM AND LONG-TERM DISABILITY


FOR YOUR RETIREMENT

RETIREMENT SAVINGS PLAN (RSP-403(b))This is a Defined Contribution plan that allows employees to build tax-deferred or after-tax income for retirement. Each eligible employee can contribute 1-75% of their eligible pay on a before-tax (403(b)) or an after-tax (ROTH) basis through payroll deductions. The maximum annual contribution is set each year by the IRS. Please refer to the HR Intranet for current year IRS contribution limits. The hospital offers eligible employees up to a 2% employer match after completing one year of service and working 1,000 hours.*

How to Sign Up/Change your Contribution:

1. Contact Fidelity by Phone – 800-343-0860

2. Fidelity Website – www.fidelity.com/atwork (Plan ID Code: 90107)

3. Make an appointment with our Fidelity Workplace Planning and Guidance Consultant by calling 800-642-713 or visit www.getguidance.fidelity.com

Other plan features include:

You are always 100% vested in your contributions and the Tufts Medical Center match.

You may change your contributions and investment choices any time by calling Fidelity at 800-343-0860.

Eligible participants may apply for loans, withdrawals in cases of financial hardship or “in-service” withdrawals after attaining age 59½.

When you terminate employment from Tufts Medical Center, you may leave your account balance in the plan and continue to manage your account; elect a direct rollover into another eligible retirement plan; or elect a lump sum payment (subject to income taxes and penalties if applicable).

All plan transactions are subject to the terms and conditions of the plan document and Employee Retirement Income Security Act (ERISA).

* Students, residents, interns, fellows, temporary and per diem employees and members of the Participant Contribution Plan (PCP) and the Defined Benefit (DB) Plan (plans closed to new members) may join the RSP-403(b) but are not eligible for the hospital match.

Tools to help guide you toward financial successWhether you are just getting started, preparing to retire or somewhere in between, Fidelity offers a number of convenient educational tools to help guide you to your next step. These resources can help simplify the planning process so you can focus on reaching your goals.

Most of these tools are easily accessible to you on the home page of your Fidelity NetBenefits® Web site via www.fidelity.com/atwork. If you don’t find an icon for a particular tool on the NetBenefits home page, you’ll find a link to it within the NetBenefits® Library.

SILVER DOLLARS PROGRAM – A RETIREE MEDICAL SAVINGS ACCOUNT PROGRAMFor employees age 50 and older:

During any annual enrollment period only, you may enroll for the first time or change your contributions. You may end your participation any time. Here are some highlights of the Silver Dollars Program:

This program helps you set aside money now to help pay for medical expenses in retirement.

You may contribute from $520 up to $4,500 per year, after-tax.

Tufts Medical Center will match 20% of the first $2,000 you contribute each year, or $400, up to an overall lifetime match of $6,000.

You will be 100% vested in the Tufts Medical Center contributions after five years of employment and attainment of age 55 or older.

When you retire or terminate employment, your contributions and your vested Tufts Medical Center contributions will be available for reimbursement of future medical expenses, subject to the program’s claims procedures.

All plan transactions are subject to the terms and conditions of the plan document and ERISA.

NOTE: Your only opportunity to enroll in this program will be during Open Enrollment.


IF YOU ARE…

“DO IT MYSELF” InvestorUse the Portfolio Review tool online at https://www.fidelity.com/calculators-tools/retirement/overview.

Stay on track by creating an investment strategy that’s aligned with your goals.

“DO IT MYSELF” Investor

Using an age-based strategy

If you’re not sure how to invest for retirement, J.P. Morgan Smart Retirement Funds® can help make it simple. Smart

Funds, a lifecycle fund, address key investing principles for you – so you don’t need to be an expert. Simply choose

the Smart Fund with the name that most closely matches the year in which you expect to retire – for example, the J.P.

Morgan Smart Retirement® 2040 Fund if you plan to retire in or around 2040. Each fund invests in a different proportion

of stocks, bonds, and short-term investments across multiple asset classes and investment styles. A team of J.P.

Morgan professionals makes ongoing decisions and adjustments to each fund’s mix of investments, so you don’t have

to wonder when to reallocate or rebalance.

“DO IT MYSELF” Investor

With help from a Workplace Planning and Guidance Consultant

To make an appointment with an on-site advisor, go to the Tufts MC Human Resources Retirement intranet page at

http://intra.nemc.org/hr/default_retirement_new.asp.

“DO IT FOR ME” Investor

If you lack the time or skill to manage your retirement plan investment strategy, Portfolio Advisory Services at Work

(PASW) might be right for you. PASW provides the opportunity for you to have Fidelity’s investment professionals

actively manage your portfolio. That means they monitor and rebalance your portfolio for you, as needed. PASW is

ideal for the participant who just wants someone else to manage their portfolio. With an initial information intake and an

annual re-assessment, Fidelity will get to know you and your goals and your asset allocation will be selected accordingly.

A team of dedicated Guidance Professionals is just a phone call away. They are available to answer any questions you

may have. Call 866-811-6041 to look further into having Fidelity manage your portfolio. Or visit Fidelity.com/actively managed for detailed information.

TOOLS AND RESOURCES FOR A HEALTHIER RETIREMENT

I WANT TO: Help me: The tool I need is:

Create a plan for saving and managing my debt

Decide what financial goal I should save for first Savings Planner

Create a budget and determine my monthly surplus or deficit Budget Snapshot

Get an overview of my Fidelity and non-Fidelity accounts Full View®

Determine where and how much to save

See how increasing my contributions may help my money grow over time Contribution Calculator

Learn about the differences between Roth 403(b)s and traditional 403(b)s Roth Modeler

Find out how my paycheck might change if I contribute more to my 403(b) Take-Home-Pay Calculator

Make sure I’m saving enough for retirement

See how my savings translate into monthly income in retirement, and get personalized and actionable next steps to help improve my outlook

Income Simulator

Plan for my savings goals

Create an income plan to help ensure I don’t outlive my savings Retirement Income Planner

Build a portfolio of income-producing investmentsFidelity Income Strategy Evaluator®

To use these resources, go to https://www.fidelity.com/calculators-tools/retirement/overview.

PLEASE NOTE: The maximum annual contribution is set each year by the IRS. Please refer to the HR Intranet for current year IRS contribution limits.


REMINDERS ON EVIDENCE OF INSURABILITY FOR LIFE AND DISABILITY PLANS

When you are first eligible, if your combined Basic and Supplemental Life Insurance equals $500,000 or more, evidence of insurability will be required before coverage above $500,000 takes effect.

At a later annual enrollment, if you increase your life insurance amount by more than one salary level (or if coverage exceeds $500,000), evidence of insurability will be required before the new coverage amount takes effect.

FOR YOUR FINANCIAL SECURITY

LIFE AND AD&D INSURANCEBasic Life Insurance: Your beneficiary would receive your annual salary, fully paid by Tufts Medical Center.

Supplemental Life Insurance: You may purchase an additional one to five times your annual salary.

The maximum amount of Basic and Supplemental Life Insurance combined is $1,500,000.

Spouse and Dependent Life Insurance: You may elect coverage for your spouse ($10,000); dependent children ($5,000 per child); or both ($10,000 spouse; $5,000 per child).

AD&D (Accidental Death & Dismemberment): You may elect from one to three times your annual salary, up to a maximum benefit of $1,000,000. AD&D pays a benefit if you die or suffer certain injuries as a result of an accident.

Note: Refer to the Contribution Rate Sheet on pages 26 and 27 for the 2017 cost of STD coverage, additional LTD coverage, Supplemental, Spouse and Dependent Life Insurance, and AD&D.

FOR DEPENDENT MEDICALEligibility. You are eligible to participate in the Tufts Medical Center Benefits Program if you are a regular employee scheduled to work 20 or more hours per week.

Your eligible dependents for medical, dental and vision coverage include:Your legal spouse

Dependent children, married or unmarried, up to age 26, whether or not they are eligible for their own employer-sponsored coverage.

FOR DEPENDENT LIFE Any unmarried dependent children under the age of 19.

Unmarried full-time student dependents to age 23. Please note: It is the responsibility of the employee not to enroll those dependents over the age of 23.

Coverage may extend beyond age 19, 23 or 26 for children with mental or physical disabilities; contact the Employee Benefits Center for details.


Employee Assistance Plan (EAP): The EAP offers short-term counseling to you and your family for problems such as stress, a death in the family, divorce, substance abuse, financial concerns and so much more! It’s confidential and available 24 hours a day, 7 days a week. Call 800-648-9557 to take advantage of this great benefit.

Bright Horizons Child Care Services: Enroll your child in the most convenient day care center in town – Bright Horizons at 185 Harrison Avenue! Call 617-636-9504 for tour or more information. Benefit from a Tufts MC tuition subsidy program.

Wang YMCA: Special Tufts Medical Center pricing for access to convenient fitness. Call 617-426-2237.

Enjoy 10% off your gym membership!

Weight and Wellness Center: The WWC is pleased to again offer access to its Meal Replacement and Weekly Group Support. If you have Tufts Health Plan insurance, meals are discounted and the program cost can be free! Contact 617-636-8726 for program details or how to enroll.

Employee Activities Committee Discounts: The EAC Desk is open on Fridays from Noon – 2 pm (Farnsworth, first floor). It is a great place to find discounts on movie tickets, the New England Aquarium, and a host of other entertainment options.

And more: Tuition Reimbursement, Supplemental HIV Occupational Insurance, subsidized MBTA or parking expenses, direct deposit of your paycheck and an on-site Credit Union! Call Employee Benefits Center at 617-636-6352.

OTHER PROGRAMS AND EMPLOYEE PERKS

YOU DECIDE DISCOUNT PROGRAM All Tufts MC employees are eligible to receive discounts on home/auto insurance, home shopping items, event tickets, services and so much more. Access is easy, just go online to (Client ID: TUFTS244): http://www.youdecide.com/pfs/company/members/index.html.

Voluntary Benefits Corporate Discountson hundreds of brands you love.

PET CARE PLANS

AUTO & HOME INSURANCE

IDENTITY THEFT INSURANCE

FLOOD INSURANCE


STAFF

2017

PLAN INDIVIDUAL INDIVIDUAL + 1 CHILD

INDIVIDUAL + SPOUSE

INDIVIDUAL + 2 OR MORE CHILDREN

INDIVIDUAL + SPOUSE AND CHILD(REN)

Medical Plan – for Employees earning less than $75,000* $64.67 $124.08 $137.93 $232.98 $246.82

Medical Plan – for Employees earning $75,000 or more* $64.67 $124.08 $151.77 $232.98 $260.67

Delta Dental $19.53 $38.38 $38.38 $58.92 $58.92

EyeMed Vision $2.22 $4.43 $4.43 $6.65 $6.65

PLAN INDIVIDUAL INDIVIDUAL + 1 CHILD

INDIVIDUAL + SPOUSE

INDIVIDUAL + 2 OR MORE CHILDREN

INDIVIDUAL + SPOUSE AND CHILD(REN)

Medical Plan $148.69 $297.38 $297.38 $569.87 $569.87

Delta Dental $19.53 $38.38 $38.38 $58.92 $58.92

EyeMed Vision $2.22 $4.43 $4.43 $6.65 $6.65

Medical, Dental and Vision Coverage: Biweekly RatesFull-Time (30 to 40 hours per week)

Part-Time (20 to 29.9 hours per week)

* Base pay only. Premium pay, overtime, differentials, etc. are not factored in earnings for purposes of determining medical plan contributions.

Employees who completed Biometric Screening and Personal Health Assessment before September 30, 2017 will pay $10 less per check for health insurance in 2018.

Contribution RATE SHEETfor Tufts Medical Center


January 1, 2018 through December 31, 2018Staff Members

Medical FSAfrom $9.62 to $100.00 biweekly ($250 to $2,600 per year)

Dependent Care FSA

from $9.62 to $192.31 biweekly ($250 to $5,000 per year)

Flexible Spending Accounts: Contribution Amounts for Full and Part-Time Employees (20 to 40 hours per week)

Retiree Medical Savings Plan for employees age 50 and older in 2018*

from $20 to $173.08 biweekly ($520 to $4,500 per year)

Silver Dollars

* You may enroll for the Silver Dollars Program only during Open Enrollment.

STAFF

2017

COVERAGE BIWEEKLY RATE PER $1,000 OF MONTHLY SALARY

CALCULATION*

50% benefit $0.98Annual Salary (limit $158,400) ÷ 12 ÷ 1000 × $0.98

65% benefit $1.89Annual Salary (limit $147,692) ÷ 12 ÷ 1000 × $1.87

Long-Term Disability: Biweekly Rates for Part-Time and Full Time (20 to 40 hours per week)

* Plan limits apply. Those earning over the salary limits are still eligible for benefits, however only on the specified covered salary. See plan details or contact the Employee Benefits Center (6-6352) for details.

Supplemental HIV Occupational Insurance: Biweekly Rate for Full and Part-Time Employees (20 to 40 hours per week)

COVERAGE BIWEEKLY RATE

$100,000 Hospital paid

Additional $50,000 $1.15





YOUR AGE BIWEEKLY RATE PER $1,000 OF COVERAGE

Under age 30 $0.023

Age 30 – 34 $0.032

Age 35 – 39 $0.042

Age 40 – 44 $0.046

Age 45 – 49 $0.069

Age 50 – 54 $0.106

Age 55 – 59 $0.198

Age 60 – 64 $0.305

Age 65 – 69 $0.586

Age 70 and older $0.951

Supplemental Life Insurance: Biweekly Rates for Full-Time Employees (30 to 40 hours per week)

COVERAGE BIWEEKLY RATE

Spouse only ($10,000)

$0.806

Dependents only ($5,000 per child)

$0.222

Spouse & dependents ($10,000 spouse; $5,000 per child)

$1.043

Spouse & Dependent Life Insurance: Biweekly Rates for Full-Time Employees (30 to 40 hours per week)

Per $1,000 of coverage $0.007

AD&D: Biweekly Rate for Full-Time Employees


Enroll for your Tufts Medical Center benefits by the deadline: November 17, 2017.Enroll online! Click on the link on the Tufts Medical Center intranet homepage.

We want to remind you of the importance of keeping your employee information current and up to date. If you have any personal information such as name changes, dependent name changes, social security number, address and beneficiary (both Retirement and Life Insurance) updates or changes, you should visit the Human Resources Intranet website where you can locate the applicable form and return to the Benefits Department. We will then update our system with your current information.

This is a summary only. Official plan documents govern plan provisions and payment of plan benefits. Tufts Medical Center reserves the right to amend, change or terminate its benefit plans at any time, in its sole discretion, subject to the terms of any collective bargaining agreement.

The Patient Protection and Affordable Care Act (PPACA) requires that employers provide a health benefit plan summary, called the Summary of Benefits Coverage (“SBC”), to all benefits-eligible employees. This summary will be posted on our HR intranet. It is important to keep in mind that the wording and layout of this document are pre-prescribed by law, so we were not able to modify it in any way. The SBC does not replace our summary plan descriptions or the summary of benefits included in this Open Enrollment guide. Instead, it is a secondary representation of some of the same coverage information, in compliance with federal requirements.

Tufts Health Plan800-462-0224 www.tuftshealthplan.comwww.tuftshealthplan.com/tuftsmedicalcenter to find out the coverage tier for your provider

Bright Horizons 617-636-9504

Caremark (prescription drug coverage) 800-386-9404 www.caremark.com

Delta Dental of Massachusetts 800-872-0500 www.deltamass.com

EyeMed Vision Plan 866-800-5457 www.eyemed.com

Benefit Strategies (FSA, Tuition Reimbursement) 888-401-3539 www.benstrat.com

Silver Dollars Program 603-232-8078 Benefit Strategies

Life Insurance; Disability (STD and LTD); HIV Occupational Insurance

617-636-6352 Tufts Medical Center Employee Benefits Center

Retirement Savings Plan (RSP-403(b)) Fidelity Investments 800-343-0860 www.fidelity.com/atwork

Employee Assistance Program 800-648-9557 www.kgreer.com

Tufts Medical Center Employee Benefits Center 617-636-6352 or email [email protected]

YouDecide Program 877-326-5224

For more information regarding Tufts Medical Center Benefits, go to the Tufts MC Human Resources intranet page. In the HR Pages section there are pages for “Benefits” and “Retirement.” You can find plan documents (complete descriptions of what is covered in each of the plans), plan pricing, contact information and so much more.

IMPORTANT NOTICE: It is mandatory that essentially all individuals in the US have health insurance. If you choose not to enroll in Tufts Medical Center’s employer-sponsored health plan (or are ineligible), go to the Human Resources intranet homepage and click on “Benefits.” There you will find information on how to enroll in the federally mandated exchanges. For additional information go to www.healthcare.gov.

WHERE TO GO FOR HELPIf you have questions or need more information, please contact any of our plan providers at the following numbers and/or web sites or call the Employee Benefits Center:

benefitmatters - tufts medical center

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