benefits enrollment looking ahead - centra health · 2018-11-06 · — stay healthy with medical,...

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Looking Ahead1 BenefitsEnrollment

1 TotalRewards

2 What’sNewin2019

2 Who’sEligible

3 HowandWhentoEnroll

3 NewHires

3 MakingChangesDuringtheYear?

4 MedicalCoverage

6 WellnessProgram

8 TaxSavingsAccounts

10 AccidentInsurance

10 CriticalIllness

10 KeepYourSmileBrightwithDentalCoverage

11 TakeaLookatVisionCoverage

12 2019Bi-WeeklyHealthInsuranceRates

13 DisabilityIncomeProtection

14 LifeandAD&DInsurance

15 Retirement

16 LongTermCare

17 TakeaBreakwithPaidTimeOff

18 Questions?AsktheExperts

19 CentraMedicalBenefitsPlanNon-DiscriminationNotice

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Centraisproudtoofferyouandyourfamilyaquality,comprehensivebenefitsprogram.Yourbenefitsareamajorpartofyourtotalcompensation–addingapproximately25%toyoursalary!Recognizingthediversityofourpopulation,weprovideflexibleplans,soyoucanchoosetherightmovesbasedonyourindividualandfamilyneeds.

WiththeCentrabenefitsplan,youandyourfamilyhavetheopportunityto:

— Stayhealthywithmedical,dental,andvisioncoverage

— Receivetaxsavingswiththeflexiblespendingaccountsandhealthsavingsaccounts

— Boostyourhealthwiththewellnessprogram,WellPower

— Enjoythesecurityandpeaceofmindwithdisability,lifeinsurance,andretirementsavingsplan

Thisguideisdesignedtohelpyoulearnabouttheoptionsavailabletoyouandmakeyourenrollmentchoices.Formoredetailedinformationaboutanyofthebenefitsinthisguide,visitLawsonBenefitsEmployeeSelfService.PleasereachouttoHumanResourcesifyouhaveanyquestions.

Benefits Enrollment

Do you need to take action?

Keepinmindthatyoumustenrollifyouwantto:

— Electmedical,dental,andvisioncoverage— Addordropdependentsfromcoverage— ContributetotheHealthCareand/or

DependentDayCareSpendingAccounts(evenifcurrentlyenrolled)

Total Rewards WelcometoTotalRewards2019!WeareexcitedtosharewithyouallCentrahastooffertokeepyouhealthy,happyandontherighttrack!Wearealwayslookingforopportunitiestomakeyouremployeeexperiencethebestexperience.Therefore,wehavecreatedTotalRewardsforYOU.TotalRewardsisjustthat,“Total,Rewards”.First,wefocusonthe“total”you:

— yourcompensation— yourbenefits— yourwork/liferesources

Then,wetargetwaysto“reward”youforajobwelldone.UnderourTotalRewardsprogram,youwillfindallyouneedtogetthemostoutofyourexperienceaspartoftheCentrateam!

Everyday,weaskyoutobetheadvocateforyourpatients,tocreateasafeenvironmentwheretheyaretreatedwithcompassionandintegrity.Wedependonyoutomakethepatientexperiencememorable,andpleasant.ButtakingcareofothersrequiresahealthyYOU.TotalRewardsisourwayoftakingcareofyou,soyoucantakecareofothers.AtCentra,weunderstandthatYOUarewhatmakesourorganizationsuccessful,andwearecommittedtolettingyouknowthatyouarevalued.Itisourgoaltomeetyourexpectationsateveryturnandtobethereforyou,providingthebenefitsandtoolsthatwillallowyoutogrowandsucceed!

— ChangeyourVoluntaryLifeInsuranceordisabilityinsuranceelections

— Electvoluntarybenefits,suchasAccidentInsurance,LongTermCare,WholeLifeInsurance,andCriticalIllness.

— yourrecognition— yourprofessionaldevelopment

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Who’s Eligible?Employees

YouareeligibletoparticipateinCentra’sbenefitsplansifyouareafull-timeorregularpart-timeemployee.New hires must enroll within 31 days of their hire date to have coverage for the rest of the plan year.Ifyouareenrollingduetoastatuschangeorlifeevent,benefitswillbeginthefirstofthemonthfollowingthedatetheHRBenefitsTeamreceivesyourcompletedenrollmentformsandsupportingdocumentation.

Dependents

Yourdependentsareeligibleformanyoftheplansweoffer.Eligibledependentsinclude:

— Yourlegalspouse— Yourdependentchildrenuptoage26— Yourdisableddependentchildrenof

anyage

Theterm“children”shallincludenaturalchildren,stepchildren,adoptedchildren,andchildrenplacedwithacoveredemployeebyanauthorizedplacementagencyorbycourtorder.

Important What’s New in 2019Togiveyoumorechoicesforfinancialprotectionandpeaceofmind,Centraofferstwonewbenefits:VoluntaryCriticalIllnessandHealthSavingsAccounts.

Critical Illness Insurance

Ifyouarediagnosedwithanillnesscoveredbythisinsurance,youcanreceivealumpsumbenefitpaymenttobeusedhoweveryouwant.Seepage10formoreinformation.

Health Savings Account (HSA)

IfyouelecttheHighDeductibleHealthPlan,CentrawillcreateaHealthSavingsAccountforyouandcontributetoyouraccountevenifyoudon’t.Contributionsaretaxfree,fundsrolloverfromyeartoyear,andallfundsareinvestedandgrowtaxfree.Seepage9formoreinformation.

Important Note: Whenenrollingaspouseordependentforthefirsttime,youshouldprovidehisorherSocialSecuritynumberanddateofbirth.

Scheduled Hours Per Week to Qualify for Benefits

Full-Time Part-Time A Part-Time B

Centra 32-40 24-31 8-23

LongTermCareDivision

30-40 22.5-29 7.5-22

Note:IfyourspouseiseligibleformedicalcoveragethroughanotheremployerbutyouchoosetocoverthemunderCentra’smedicalplan,youwillpayanadditional$50perbi-weeklypayperiod.

Spouses Who Both Work for Centra

SpouseswhoareemployedbyCentraandeligibleforbenefitscanbecoveredeitherasanemployeeorasadependent,butnotboth.Also,yourdependentchildrenmayonlybecoveredbyoneofyou.

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How and When to Enroll?DuringOpenEnrollment,youhavetheopportunitytoreviewyourcurrentbenefitsandupdateyourcoverageforthenextplanyear.Enrollmentiseasyandconvenient.Thesetipswillassistyouinchoosingthebestoptionsforyourselfandyourfamily.

Helpful Tip:IfyouareenrollingduringanOpenEnrollmentperiod,anychangesyoumakewillgointoeffectonJanuary1,2019.

1. ReadandreviewallbenefitsmaterialsprovidedfoundinLawsonBenefitsEmployeeSelfService,2019BenefitsDocuments.

2. Makeyourbenefitchoices.

3. ACTION REQUIRED:DuringtheOpenEnrollmentperiod,allbenefitseligibleemployeesmustgoonlinetoenrollin2019benefits.Accesstotheenrollmentsitewillbeatyourconvenience,24hoursaday,sevendaysaweekduringAnnualEnrollment.

— Visit:https://bci365.com/centrahealth— EnterProvidedID:First4lettersoflastnameandLawsonnumber(example:Smit6758)— EnterProvidedPassword:LawsonnumberandDOB(example:675807051989)— Youwillbepromptedtoenteryouremailaddressandcreateanewpasswordtocompletethe

registrationprocess.

4. ThebenefitchoicesyoumakeduringOpenEnrollmentwillremainineffectfromJanuary1,2019throughDecember31,2019,unlessyouhaveachangeinfamilystatusoraqualifiedlifechangeevent(seeMakingChangesDuringtheYearfordetails).

New HiresEnrollinbenefitsbycallingtheCentraHealthBenefitsEnrollmentCenterat888-659-1475,MondaythroughFriday,9a.m.–6p.m.EST.Yourbenefitsrepresentasignificantportionofyourtotalcompensation;forthisreason,Centrawantseveryemployeetohaveaclearunderstandingofthebenefitsoffered.AllnewlyhiredbenefitseligibleemployeesarerequiredtospeakwithaBenefitCounselorwhowillprovidebenefitseducationandenrollmentservices.Elections must be made within 31 days of your hire date.

Making Changes During the Year?Thebenefitchoicesyoumakeduringenrollmentwillremainineffectfortheentireplanyearunlessyouexperienceaqualifyinglifeevent.Examplesofqualifyinglifeeventsinclude,butarenotlimitedto:

ItisyourresponsibilitytonotifyCentrawithin31daysafteraqualifyinglifeevent.Youmayneedtoprovidedocumentationoftheevent,suchasamarriagelicenseorbirthcertificate.Anybenefitchangesmustbedirectlyrelatedtotheevent.Formoreinformation,clickonLifeChangesontheHRhomepage.

Rehired at Centra

IfyouarerehiredatCentralessthan61daysfromyourterminationdate,thebenefitsyouwerepreviouslyenrolledinwillcontinue.YouwillbeunabletomakechangesuntilthenextannualOpenEnrollment.

IfyouarerehiredatCentra61ormoredaysfromyourterminationdate,youmustcompletethebenefitsenrollmentprocessfornewhires.

— Changeinemploymentstatus— QualifiedMedicalChildSupportOrder(QMCSO)

Changing from Part-Time to Full-Time Status

Ifyouhadpreviouslybeenafull-timeemployeeandyouarenowchangingfromapart-timestatusbacktofull-time,there’saspecialrulethatapplies.

— Ifyouhavehadpart-timestatusformorethanoneyear,youcanmakenewlifeandlong-termdisabilityelectionswithoutanylimitations.

— Ifyouhavehadpart-timestatusforlessthanoneyear,youcanonlyelecttheleveloflifeandlong-termdisabilitycoverageyouhadineffectwhenyouwerepreviouslyafull-timeemployee.

— Changeinyourmaritalstatus— Birthoradoptionofachild

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Medical CoverageAtCentra,weunderstandtheimportanceofgoodhealthasthefoundationforaproductivelifeathomeandatwork.Tokeepyouandyourfamilyhealthyallyearlong,Centraoffersyouthreecomprehensivemedicalplans:

1. TheBasic Point of Service (POS)planrequiresareferralfromaPrimaryCarePhysician(PCP)inordertoseeaspecialist.You’llpaylowerpremiumsforthisplan,butthedeductibleishigher.

2. TheOpen Preferred Provider Organization (PPO)optionoffersyoutheflexibilitytoseeanyspecialistorphysicianyouwant.StayinthePiedmontCommunityHealthPlan(PDHP)networkforthelowestout-of-pocketcosts.Thisplanhashigherpremiums,butlowerdeductibles.

3. TheHigh Deductible Health Plan (HDHP) HDHPistheplanyouneedtochooseifyouwanttohaveaHealthSavingsAccount(HSA).WiththeHDHP,youpaythefullcostofyourmedicalcareuntilyoumeettheannualdeductible(exceptforcertainmaintenancemedications).TheHSAisatax-favoredaccountthathelpsyoucoveryourout-of-pocketmedicalexpenses.CentrawillalsocontributetothisaccountforHDHPparticipants–seetheHSAsectionfordetails.

Withallthreeplans,stayinthePCHPnetworkforcaretoreceivethehighestlevelofbenefits.Thechartbelowshowsyourcostforcertainservicesundereachplan.

Medical Features

Basic POS Open PPO High Deductible Health Plan (HDHP)

In-NetworkOut-of-Network



Annual Deductible

— Individual/Family$1,500/$3,000

$3,000/$6,000

$1,000/$2,000

$2,000/$4,000

$3,000/$6,000

$6,000/$12,000

Annual Out-of-Pocket Maximum (includes copays)

— Individual/Family

$4,000/$8,000

$8,000/$16,000

$5,000/$10,000

$10,000/$20,000

$3,000/$6,000

$6,000/$12,000

Coinsurance (portion you pay)

20% 40% 20% 40% 0% 40%

Preventive Care Services E.g.,annualphysicals,well-childexams,ageappropriatescreeningssuchasmammograms,etc.

Covered100%,no

deductible

40%afterdeductible

Covered100%,no

deductible

40%afterdeductible

Covered100%,no

deductible

40%afterdeductible

Office Visits

— PrimaryCarePhysician

— Specialists

$25copay

$50copay

40%afterdeductible

$25copay

$50copay

40%afterdeductible

0%afterdeductible

40%afterdeductible

Diagnostic Lab & X-ray20%afterdeductible

40%afterdeductible

20%afterdeductible

40%afterdeductible

0%afterdeductible

40%afterdeductible

Inpatient Hospital20%afterdeductible

40%afterdeductible,

plus$500peradmissiondeductible

20%afterdeductible

40%afterdeductible,


0%afterdeductible

40%afterdeductible,


Emergency Room

(copay waived if admitted)

$100copay,20%afterdeductible




0%afterdeductible

40%afterdeductible

Takeadvantageofyourfreein-networkpreventivecareservices.Visitwww.hhs.govforalistofcoveredpreventiveservices

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Prescription Drug Coverage

YourCentramedicalplansalsoincludeprescriptiondrugcoverageatanin-networkpharmacyonly.

The chart below shows your cost for certain services under each plan.

Type of MedicationBasic POS Plan Open PPO HDHP*

In-Network Only In-Network Only In-Network Out-of-Network

Retail (30-day supply)

— Generic

— Formulary

— Non-formulary

— Specialty(andmailorder)

$10copay

$35copay

$60copay

$75copay

$10copay

$35copay

$60copay

$75copay

0%afterdeductible40%after

deductible

Mail Order (90-day supply)

— Generic

— Formulary

— Non-formulary

$25copay

$80copay

$150copay

$25copay

$80copay

$150copay

0%afterdeductible40%after

deductible

*See Lawson Benefits Employee Self Service for a list of maintenance medications provided for a generic copay under the HDHP option.

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Wellness ProgramCentra’sWellnessprogramisdesignedtokeepyouhealthyandhappyandsupportyoureffortsatlivinganactivelifestyle.TheWellnessprogram,WellPower,focusesonprovidingtoolsandresourcestohelpyoutakechargeofyourhealth.

Free Programs

Centraoffersmanyprogramsatnocosttoyou:

— Incentive Program: Ourprogramisstructuredtorewardyouformakingtherightchoicesthatenableyoutogetthemostoutoflifeathomeandatwork.Earnpointsbysimplymakingbetterchoicesandtrackingthemthroughthewellnessportal.

— Flu Shots and Vaccines: ReceiveyourannualflushotandrequiredvaccinesthroughEmployeeHealthatnocosttoyou.

— Employee Assistance Program (EAP): Havingsupportthroughtheupsanddownsoflifeiscrucial.CentraautomaticallyprovidesyouandyourfamilywithanEAPatnocosttoyou.CalltheEAPat434-200-6000anytimeofthedayornightforconfidentialassistancewithissues,suchassubstanceabuse,legalproblems,grief,stressrelatedtomedicalproblems,financialstrain,ortheworkplace.

— Preventive Check-ups and Screenings*: Eachyear,CentraMedicalPlanparticipantsareallowedonewellnessvisitandhealthscreeningatnocost.

— Waived Copay for Disease Management*: Ifyouarediagnosedwithhighbloodpressure,highcholesterol,ordiabetes,visityourPrimaryCarePhysicianwithoutpayingacopay.

— Navigation Services through PCHP*: Qualifiedparticipantscanreceiveconfidentialandpersonalizedhealthcounselingatnocost.

— Work-life Services: Realtimesupportforreallivingisofferedtoclientswhichincludesuniqueandcomprehensiveservicestohelpbalancework/lifeobligations.Thegoalistoliveahappier,healthier,moreproductivelife!

*Services for Centra Medical Plan Participants only.

FormoreinformationontheWellPowerprogram,visitgo.hw4me.com.

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DiscountsAsaCentraemployee,youcantakeadvantageofthefollowingdiscounts:

— Weight Watchers: Enjoya50%subsidyonWeightWatchersmeetingsorOnlinePlustohelpyouimproveyouroverallhealthandreachyourweightlossgoals.

— N.E.W. Healthy Lifestyles Discount: Receivea50%discountoffthiseight-weekcourse,basedonvolumetricseating,whichcoversnutrition,exercise,andweightmanagement.

— YMCA: SignupataparticipatingYMCAandget25%offthemonthlymembership.Viewyourwellnessportalforacompletelistoflocations.

— Women & Children’s Services Education Discount: AttendclassesatCentra,suchasBabyBasics,BreastFeeding,InfantSafety,andFamilyNutrition.Call434-200-4537foronelowbundledfee.

— BounceBack: Relievelowerbackpainthroughthisprogram.Call434-200-2102fordetails.

— Central Virginia YMCA Diabetes Prevention Program: Completetheyear-longprogramatadiscountedratethatwillhelpreduceyourriskfortype2diabetes.Call434-582-1900.

— Tobacco Cessation Education: Centra’sPulmonaryRehabilitationProgramoffersfreeBeTobaccoFreeclassesandone-on-onecounselingfromaCertifiedTobaccoTreatmentSpecialist.Forinformation,call434-200-3812.

— Tobacco Replacement Therapy*: PrescriptionandOTCsmokingcessationproducts(e.g.,nicotineproducts,buproprion[genericonly],Chantix)arecoveredforadultsat$0copay.Quantitylimitof2cyclesperyearappliestoeachactiveingredient.

*Services for Centra Medical Plan Participants only.

Get Fit!InadditiontotheYMCAmembership,Centraalsoencouragesyoutotakeadvantageofthefollowing:

— Bowen Wellness Center at Lynchburg General Hospital:Takeafitnessclass,usethetreadmillorellipticalmachine,andreceivepersonaltrainingattheBowenWellnessCenter.Call434-200-7097forinformation.

— Fitness Challenges & Race Subsidies:BeapartoftheSpringandFallfitnesschallengesduringtheyear.CentraalsosubsidizesparticipationinracessuchastheVA10-Miler,IAmWoman5k,andotherlocalevents.

— Healthy Steps:WorkwithnursesandexercisephysiologistsfromCentra’sownStroobantsCardiovascularCentertocreateaspecializedexercisetherapycareplantomeetyourneedsandgoals.Centraemployeesreceiveadiscountedprice.

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Tax Savings AccountsFlexible Spending Accounts (FSAs)

Centraofferstworegularspendingaccountchoicesasasmartandconvenientwaytostretchyourbenefitdollarsandreceiverealtaxsavings:

— The Health Care Account:Youcancontributeupto$2,650 per yearonapre-taxbasistopayforeligibleout-of-pocketmedical,dental,andvisionexpenses.(HDHPparticipantsarenoteligibleforthisaccount.)

— The Dependent Day Care Account:Youcancontributeupto$5,000 per household per year ($2,500 if married, filing separately)onapre-taxbasistocoveryourcostofchildcareforchildrenuptoage13.

How FSAs Work

Expensessuchasdeductiblesandcopayscanquicklyaddup,anddependentcarecostscanbeevenmoreexpensive.FSAsletyoupaytheseexpenseswithpre-taxdollars,soyousavemoney.Yourcontributionswillbedeductedfromyourpaychecksinequalinstallmentsthroughouttheyearanddepositedintoyouraccount(s).

— KeepinmindthattheIRShasa“useitorloseit”rule.Ifyoudonotusethefullamountinyourspendingaccountsbytheendofthecalendaryear,youwillloseanyremainingfunds.— You must incur expenses by March 15 of

the following calendar year.— You must submit all claims by April 30 of

the following year to be reimbursed.— Whenestimatingyourhealthcareand

dependentcarecosts,itisbettertobeconservativeandunderestimateratherthanoverestimateyourexpenses.VisittheSavingsCalculatoratwww.HealthEquity.comtoestimateyourannualspendableincome.

Eligible Expenses

Belowareexamplesofeligibleexpenses.Foracomprehensivelist,visitwww.irs.gov.

FSA Type Eligible Expenses

HealthCareAccount

— Medical,dental,andvision

deductibles,copays,andother

out-of-pocketcosts

— Visioncareincludingprescription

glasses,contactlenses,andsolution

— Hearingcare

DependentDayCareAccount

— Daycarecenter,daytimesummer

camp,nurseryschool,orafter

schoolcare

— Adultdaycareoradultsitter

FSA Enrollment

EachyearthatyouwouldliketoparticipateintheFSAs,youmustelecttheamountyouwanttocontributetotheFSAs.Evenifyouparticipatedthepreviousyear,yourelectiondoesnotcarryover;youmustactivelyenrolltocontributetotheFSAs.

— Remember,youcannotstoporchangeyourcontributionamountduringtheyearunlessyouexperienceaqualifiedlifechangeevent.

— Youcannottransferfundsfromoneaccounttoanother.

Health Equity Debit Card

WhenyouenrollintheHealthCareAccount,HealthEquitysendsyouaMasterCarddebitcardtobestrictlyusedonlyforeligibleFSAexpenses.Thedebitcardisacceptedatdoctors’officesandqualifiedmerchants(suchaspharmacies)topayforeligibleexpenses.WhenyouuseyourHealthEquitydebitcardtopayforqualifiedpurchases,themoneyisinstantlydeductedfromyourHealthCareAccount.

Reimbursement

Ifyoupaidforqualifiedexpensesout-of-pocketandwanttoreceivereimbursementfromyourFSA,youmaysubmitapaperclaimformorsubmitanonlineclaimforeligibleout-of-pocketdependentcareandhealthcareexpenses.Please save your receipts!TocomplywithIRSregulations,HealthEquitymonitorstheexpensespaidfromyourFSAbyverifyingyourreceipts.WhenyoureceivearequestfromHealthEquity,sendcopiesofyourreceiptsimmediately.

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Limited-purpose FSA (LPFSA)

CentraalsooffersanotherspendingaccountforthosewhochoosecoverageundertheHighDeductibleHealthPlan(HDHP)withaHealthSavingsAccount(HSA).

TheLimited-Purpose(LPFSA)Account:Youcancontributeupto$2,650peryearonapre-taxbasistopayforout-of-pocketdentalandvisionexpenses.

Alimited-purposeFSA(LPFSA)isrestrictedtopayingforonlydentalandvisionexpenses.IfyouhaveaHealthSavingsAccount(HSA),youcannothavearegularhealthcarespendingaccount(FSA)butyoucanhaveaLPFSA.ALPFSAoperatesthesamewayasregularFSAsforenrollment,debitcards,reimbursements,etc.

ItmaybeadvantageoustocontributetoaLPFSAifyouchoosetocontributetheentireallowableyearlymaximumtoyourHSA.YourHSAfundswillbeinvestedandyouraccountwillincreasewhileyouusetheLPFSAtopayfordentalandvisionexpenses.

Health Savings Account (HSA)

IfyouenrollintheHDHPmedicalplan,youcancontributetoahealthsavingsaccount(HSA).AnHSAprovidesatripletaxadvantage:

1. Contributepre-taxfunds.

2. Usetax-freedollarstopayforqualifiedmedicalexpenses.

3. Investunusedfundstogrowtax-free.

FundscontributedtotheHSArolloverfromyeartoyear,soyouneverloseanymoneyyoucontribute.TherearenopenaltiesforwithdrawinginvestedHSAdollarstopayforqualifiedmedicalexpenses.

CentrahaspartneredwithHealthEquitytocreateHealthSavingsAccountsforallHDHPparticipants.Youcancontributetoyouraccountperrequirementslistedbelow.Centrawillmakeanemployercontributiontoyouraccountevenifyoudon’tcontribute.

HSA Eligibility Requirements

YouareeligibletoopenanHSAifyoumeettherequirementsdefinedbytheIRSbelow:

— YouarecoveredbyanHSA-eligibleHighDeductibleHealthPlan(HDHP)andhavenootherhealthcoverage(unlessitisaHDHP).

— YouoryourcoveredspousedonotparticipateinaHealthCareSpendingAccountotherthanaLPFSA.

— YouarenotenrolledinMedicareorTRICAREforLife.

— Youarenotclaimedasadependentonsomeoneelse’staxreturn.

HDHP TierEmployee HSA Annual

Contribution (Optional)Employer HSA Annual

Contribution

Maximum Total Annual Contribution Limit

for 2019**

EEOnly 0-3,000 500 3500

EE+1Child 0-6,250 750 7000

EE+Children 0-6,250 750 7000

EE+Spouse 0-6,250 750 7000

EE+Family 0-6,250 750 7000

Things to Consider

TheHSAhelpsyousaveformedicalexpensesnow—andthefuture.

— IfyouelecttoenrollinanHSA,yourcontributionsandinvestmentearningsarenottaxable.

— Youcanincreaseyoursavingsthroughseveralinvestmentoptions.

— Anyfundsyoudon’tusewillcontinuetoaccumulate,andyoucantakethemoneywithyouifyoudecidetoleaveCentra.

SeetheIRSbookletpostedinLawsonBenefitsEmployeeSelfServiceformoredetails.

**NOTE: Employees age 55 and over can contribute an additional $1,000

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Accident InsuranceAccidentshappenwhenyouleastexpectit.WithAccidentInsurancethroughUnum,youcanstayaheadoftheout-of-pocketexpensesthatmayoccurduetoanon-workrelatedinjury.AccidentInsuranceprovidesalumpsumpaymentbasedontheaccidentorinjuriessustained,soyoucanbepreparedfinancially.Thebenefitispaiddirectlytoyou,andyoudecidethebestwaytospendit.It’sthatsimple.Whetherit’stopaymedicalexpenses,themortgage,carpayments,orevenutilitybills,youdecide.

OtheradvantagesofAccidentInsuranceincludethefollowing:

— You’llreceivecashbenefitsforexpensesthatmaynotbecoveredunderyourmedicalinsurance.

— Therearenohealthquestionstoanswer.

— Youcaninsureyourspouseandchildren.

— Thereisnolimittotheamountofaccidentsyoucanclaimunderthepolicy(withexceptiontopolicyrules).

Toseethebenefitforeachtypeofinjury,gotoLawsonBenefitsEmployeeSelfService.

Critical IllnessIfyou’rediagnosedwithanillnessthatiscoveredbythisinsurance,suchasheartattack,stroke,andcancer,youcanreceiveabenefitpaymentinonelumpsum.Youcanusethemoneyhoweveryouwant,forinstancetohelpcoverout-of-pocketexpenseslikeco-paysanddeductibles.Youcanusethecoveragemorethanonceifyouhaveadifferentconditionlater,andyoucancoveryourspouseandchildren.Formoredetails,seeLawsonBenefitsEmployeeSelfService.

Keep Your Smile Bright with Dental Coverage Yourteethandgumsdeservetheverybestcare.That’swhyCentraoffersdentalcoveragethroughAnthemBlueCrossandBlueShield.Thedentalplanoffersservicestokeepyourteethhealthyandcleanandfixanyproblemsassoonastheyoccur.Chooseanin-networkdentisttotakeadvantageoflowerout-of-pocketcosts.

Dental Benefits Dental Plan

Deductible(percalendaryear)

Individual $50

Family $150

CalendarYearMaximum(perperson) $1,000

CoveredServices

Preventive&Diagnostic(Routineexams,cleanings,andX-rays)

100%covered,nodeductible

BasicServices 80%afterdeductible

MajorServices 50%afterdeductible

OrthodontiaforDependentChildren 50%afterdeductible,uptoa$1,500lifetimemaximum

RolloverBenefit* Upto$250

*The Rollover Benefit allows you to carry over a portion of your unused benefit to the following year. To qualify, you must have filed under $500 in claims during the benefit year. This benefit can be used in future years as well.

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Take a Look at Vision CoverageThevisionplanincludesbenefitsforeyeexams,eyeglasses,andcontactlensesthroughEyeMed.YoumayvisitadoctorwithintheEyeMednetworkandtakeadvantageofhigherbenefitscoverage,orvisitanout-of-networkproviderofyourchoiceforareducedbenefit.Keepinmind,whenyouvisitanout-of-networkprovider,youwillpaymoreforservices.

Vision Service Level of Coverage

Benefit Frequency

Exam:Onceperplanyear

Lenses:Onceperplanyear

Frames:Onceperplanyear

Contact Lenses:Onceperplanyear

Plan Features In-Network Out-of-Network Benefit

Exam $10copay Planpaysupto$50

Prescription Glasses

Frames Planpaysupto$100 Planpaysupto$50

Lenses $25copay

Single Vision:Planpaysupto$35

Bifocal: Planpaysupto$50

Trifocal:Planpaysupto$65

Progressive:Planpaysupto$65

Contacts (Medically Necessary) $0copay:paidinfull Planpaysupto$210

Extra SavingsYourplanalsofeaturessavingsforsunglasses,KidsEyesbenefit,discountsoffreplacementglasses,hearingaids,anddiabeticeyecare.

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2019 Bi-Weekly Health Insurance Rates

Medical Surcharges

— If your spouse is eligible for medical coverage through another employer but you choose to cover them under Centra’s medical plan, you will pay an additional $50.00 per bi-weekly pay period.

— Tobacco users will pay $24.92 more per bi-weekly pay period for medical coverage.

— Centra is committed to helping you achieve your best health status. If you think you might be unable to meet a standard for a discount, you might qualify for an opportunity to earn the same discount by different means. Contact us at 434-200-7993, and we will work with you to find a wellness program with the same discount that is right for you.

Dental

Coverage LevelDental Plan

Full-Time Part-TimeA

EmployeeOnly $3.22 $6.42

Employee+1Child $8.69 $16.28

Employee+Children $8.69 $16.28

Employee+Spouse $8.80 $15.44

Employee+Family $10.65 $20.42

Vision

Coverage LevelVision Plan

Full-Time Part-TimeA

EmployeeOnly $2.85 $2.85

Employee+1Child $4.62 $4.62

Employee+Children $4.62 $4.62

Employee+Spouse $6.13 $6.13

Employee+Family $8.41 $8.41

Medical

Full-Time Employee OnlyEmployee + 1

ChildEmployee +

ChildrenEmployee +

SpouseEmployee +

Family

Basic $40.18 $91.39 $119.79 $133.74 $199.11

Open $112.11 $192.26 $234.77 $266.83 $374.60

HDHP $34.85 $70.78 $91.56 $100.75 $154.35

Part-Time A Employee OnlyEmployee + 1

ChildEmployee +

ChildrenEmployee +

SpouseEmployee +

Family

Basic $62.36 $111.66 $134.34 $153.03 $215.89

Open $141.09 $219.16 $260.16 $291.63 $396.20

HDHP $46.18 $85.45 $103.58 $114.57 $167.11

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Disability Income ProtectionCentrarecognizestheimportanceofyourfinancialwell-beingintheeventofadisability.Mostofusinsureourhomes,automobiles,andotherassets,yetweoftenoverlookourmostvaluableasset–ourabilitytoearnanincome!Yourregularmonthlyobligationssuchasyourmortgageorrent,utilitybills,food,andothernecessities,continueevenifyouareunabletowork.Centraoffersshort-termandlong-termdisabilityoptionstofull-timeemployees.

Voluntary Short-Term Disability (STD)

Afteryouhavemetyourelectedwaitingperiod,theSTDplanprotectsyourincomeifashort-terminjuryorillnesspreventsyoufromworking.YourExtendedIllnessBank(EIB)canhelpcoverthedaysofyourwaitingperiod.YouhavetwoSTDoptionstoconsider,asshownbelow.

Long-Term Disability (LTD)

Long-termdisabilitycoveragetakesoverafter90daysofdisability.ToqualifyforLTD,youmustbeunabletoperformtheregulardutiesofyourjob.YouhavetwoLTDoptionstoconsider,asshownbelow.

Disability Insurance

Waiting Period

Coverage Duration

Benefit Amount Cost

Short-TermDisability

VS14 14daysFrom14daysto11weeks

60%ofbasesalary(upto$1,500perweek)

$.713per$10ofweeklybenefit

VS30 30daysFrom30days

to9weeks60%ofbasesalary

(upto$1,500perweek)$.485per$10ofweekly

benefit

Long-TermDisability

1 90daysUptonormal

retirementage

60%ofbasesalary(upto$10,000per

month)100%Company-Paid

2 90daysUptonormal

retirementage

662/3%ofbasepay(upto$10,000per

month)Youpaytheadditionalcost.

Pre-Existing Condition Exclusion

Thepolicieswillnotcoverillnessorinjuriesforwhichyoureceivedtreatmentwithin3monthspriortoyourcoverageeffectivedateifyoufileaclaimforthatillnessorinjuryinthefirst6monthsafteryourcoverageeffectivedate.

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Basic Life and AD&D Insurance

Providingeconomicsecurityforyourfamilyisamajorconsiderationinpersonalfinancialplanning.Intheeventthatyoubecomedisabled,seriouslyinjuredorill,ordie,youwillwanttobeprepared.CentraprovidesyouwithBasicEmployeeLifeandAccidentalDeathandDismemberment(AD&D)InsurancecoveragethroughUnumatnocosttoyou.YouautomaticallyreceivelifeandAD&Dcoverageintheamountof1xyourbaseannualpay(atthetimeofyourdeath).—Iftheamountisover$50,000,thebenefitistaxableandwillbereportedas“imputedincome”onyourpaycheck.

Voluntary Life Insurance

Youalsohavetheopportunitytopurchaseadditionallifeinsuranceforyourself,yourspouse,andyourchildrenatgrouprates.ThechartbelowdescribestheamountsofadditionalVoluntaryLifeInsuranceyoumaypurchase.

Voluntary Life Insurance

Employee Spouse Children

AmountCovered 1to4xbaseannualpay$5,000,$10,000,$15,000,

$20,000,or$50,000$2,500,$5,000,

$7,500,or$10,000

AgeReductions35%reductionatage6550%reductionatage70

Coverageisreducedto50%oftheoriginalamountwhenthe

Spouseattainsage70.

Coverageavailablefrombirthuntilage19,orage25,

ifafull-timestudent.

Voluntary AD&D Insurance

CentraalsooffersyouachancetochooseVoluntaryAD&DInsuranceintheamountofupto10xyourbaseannualearningstoamaximumof$500,000.Youcanpurchasecoverageforyourfamilymembers:

Coverage Option Benefit

SpouseOnly 50%ofemployeebenefit

Spouse&ChildrenSpouse–40%ofemployeebenefit

EachChild–5%ofemployeebenefit

ChildrenOnly EachChild–10%ofemployeebenefit

Life and AD&D Insurance

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RetirementWhole Life Insurance

Foradditionalfinancialprotection,youmaypurchaseWholeLifeInsurancethroughUnumforyourselfand/oryourchildrenorgrandchildren.WholeLifeInsuranceprovidesflexiblebenefits,andallowsyoutoadjustyourdeathbenefit,cashvalue,andpremiumsasyourfinancialneedschange.Youcanalsousethispolicy’sLivingBenefitsduringyourlifetime.

Applyingforcoverageissimple,andunderwritingiseasy.Individualpoliciesareavailabletoemployeesoverage18andforchildrenunder25yearsold.WholeLifeInsurancepremiumscanbepaidthroughpayrolldeductions.Keepinmindthatyoucantakethiscoveragewithyouifyouchangejobsorretire.

FormoreinformationabouttheWholeLifeInsuranceplan,visitwww.unum.com.Save for the Future with Matching Tax Deferred Savings Plan

Savingforthefutureisatoppriorityinsmartfinancialplanning.That’swhyCentrasponsorsMatchingTaxDeferredSavingsPlansforemployees:a401(k)planforPCHPemployeesanda403(b)forallotherCentraemployees.Employee Contributions

After30daysofemployment,eligibleemployeesareautomaticallyenrolledinthe403(b)planatacontributionrateof3%ofyourpay.ThereisnoautoenrollmentprovisioninthePCHP401(k)plan.EligibleemployeesshouldcallTransamericaorgotowww.trsretire.comtoenroll.

ParticipantsmaycontributeuptotheannualIRSlimitinpre-taxearningsunderbothplans,andthoseage50orolderareeligibletomakeanadditionalcatch-upcontributionuptotheIRSlimits.Youcanincrease,decrease,orstopyourcontributionsatanytimetoeitherplanbycontactingTransamerica.RemembertologontoLawsonBenefitsEmployeeSelfService(BESS)todesignateoneormorebeneficiaries.

Centra Contributions

Underbothplansandaftersixmonthsofemployment,Centrawillbeginmakingamatchingcontributionof100%ofthefirst3%ofpayyoucontribute.Youareimmediatelyvestedinthosecontributions.Dependingontheperformanceoftheorganization,Centramayalsomakeanannualdiscretionarycontributionofupto4%ofyourbasepayonyourbehalf.Employeeseligibleforthisbasecontributionbecomefullyvestedafterthreeyearsofemployment.

Other Tax Deferred Savings Plans

457b Deferred Compensation Plan

Aselectgroupofmanagementandhighlycompensatedemployeesareeligibleforthisnonqualifiedsavingsplan.Centradoesnotmakeemployercontributionstotheplan.RefertotheSummaryPlanDescription(SPD)postedinLawsonBenefitsEmployeeSelfServiceforcompletedetails,andvisitwww.trsretire.comforanyquestions.

Manageyourinvestmentsatwww.trsretire.com.Ifautomaticallyenrolled,yourcontributionsareinvestedinTRowePriceTargetDateFunds,butyoucanchangeinvestmentsatanytime.PortfolioXpressisalsoofferedasaninvestmentservicetoadjustyourinvestmentsasyougetclosertoyourretirementdate.

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Long Term CareCentraoffersemployeesworkingatleast24hoursperweekachancetopurchaseLongTermCareInsurance.Ifyouenrolloutsideoftheinitialperiod,youwillberequiredtoprovideproofofgoodhealthtogetcoverage.EnrolldirectlythroughUnumbycalling800-227-4165orlogonto:www.unuminfo.com/centrahealth/enrollment.aspx.

Plans Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6

BenefitDuration 3Years 5Years 3Years 5Years 3Years 3Years

FacilityBenefitAmount $3,000 $3,000 $6,000 $6,000 $3,000 $6,000

AssistedLivingFacility% 100% 100% 100% 100% 100% 100%

LifetimeMaximum $108,000 $180,000 $216,000 $360,000 $108,000 $216,000

ProfessionalHomeandCommunityCare

100% 100% 100% 100% 100% 100%

InflationProtection N/A N/A N/A N/A Compound Compound

*Ifyouselectedaninflationoption,andyouterminatethatinflationoptionatafuturedate,youcanpurchasetheinflatedcoverageamountatyouroriginalage.

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Take a Break with Paid Time Off Centraoffersavarietyofpaidprogramstoencourageyoutorestandrelaxawayfromyourjob.Youcanusethetimeaccruedafterthreemonthsofemploymentforvacation,holidays,illness,orpersonaltime.ThemaximumamountofPTOthatmaybeaccruedthroughouttheyearis300hours.AccrualratesforthemajorityofCentraemployeesarebasedonyearsofserviceperthefollowingschedule:

Years of Service Accrual RateHours Accrued

per 80 Hours Paid

PTO days per Year Based on 80 Hour Paid

Bi-Weekly

0-5 0.0923 7.3846 24

5-10 0.1115 8.9231 29

10-15 0.1231 9.8462 32

15-20 0.1308 10.4615 34

20-25 0.1346 10.7692 35

25+ 0.1385 11.0769 36

See the Paid Time Benefits Policy in the online Centra policy manual for more information.

Youcandonatehourstoco-workerswhoaregoingthroughacrisisortotheUnitedWayandtheCentraFoundation.RefertotheEarnedTime/PaidTimeOffDonationPolicyintheCentrapolicymanualfortheprocedure.

Centra Recognized Holidays

PTOmustbesubmittedtobepaidforanyofthefollowingholidaysonwhichanemployeedoesnotwork:

— NewYear’sDay— Easter— MemorialDay— IndependenceDay(July4)— LaborDay— ThanksgivingDay— ChristmasDay

Extended Illness Bank (EIB)

Centraoffersavoluntaryprogramofpaidleavetimeforextendedillnesses.Employeescanconvertupto40hoursina12-monthperiodtotheaccount.Centrawillprovideanadditionalmatchday-for-day.EIBtimemayonlybeusedforanemployee’sownillnessafteranemployeeisabsent6ormoredays(maximumof40hours)ofregularscheduledwork.The5daywaitbeforeEIBtimecanbeusediswaivediftheemployeeishospitalizedorhassurgery(in-patientorout-patient)andwillbeabsent6ormoredays.YoucanfindtheconversionformontheHRHomepageunderBenefits>EmployeeAdvantages.

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Questions? Ask the ExpertsBenefit Provider Telephone Web Site

Medical

PiedmontCommunityHealthPlan

Group#5200701

888-674-3368 www.pchp.net

PrescriptionDrugs

CVS/Caremark

RxBIN:004336;RxPCN:ADV;RxGRP:RX6925

844-460-8768 www.caremark.com/wps/portal

SpendingAccounts HealthEquity 866.346.5800 www.healthequity.com

AccidentInsurance Unum 800-635-5597 www.unum.com

CriticalIllness Unum 800-635-5597 www.unum.com

Dental

AnthemBlueCrossandBlueShield

Group#843294

866-956-8607 www.anthem.com/mydentalvision

VisionEyeMed

Group#1008295866-800-5457 www.eyemed.com

Life/AD&DInsurance Unum 866-679-3054 www.unum.com

WholeLifeInsurance Unum 800-635-5597 www.unum.com

VoluntaryShortTermDisability

Unum 888-673-9940 www.unum.com

Long-TermDisability Unum 888-673-9940 www.unum.com

LongTermCare Unum 800-227-4165www.unuminfo.com/centrahealth/enrollment.

aspx

403(b)SavingsPlan&401(k)SavingsPlan

Transamerica 800-755-5801 www.trsretire.com

The information in this guide gives you a brief summary of the benefits you can currently choose through the Centra Choices Benefits Program. Centra may change benefits in whole or in part at any time.

All benefits are governed by legal documents and insurance contracts. If there is any discrepancy between this description and the official plan documents and contracts, the documents and contracts will determine the benefits. For purposes of ERISA, this brochure serves as a Summary of Material Modification for all the applicable Summary Plan Descriptions.

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Centra Medical Benefits Plan Non-Discrimination Notice Discrimination is Against the Law

TheCentraMedicalBenefitsPlancomplieswithapplicableFederalcivilrightslawsanddoesnotdiscriminateonthebasisofrace,color,nationalorigin,age,disability,orsex.TheCentraMedicalBenefitsPlandoesnotexcludepeopleortreatthemdifferentlybecauseofrace,color,nationalorigin,age,disability,orsex.

The Centra Medical Benefits Plan

— Providesfreeaidsandservicestopeoplewithdisabilitiestocommunicateeffectivelywithus,suchas:

— Qualified sign language interpreters— Written information in other formats (large print, audio, accessible electronic formats, other

formats)— ProvidesfreelanguageservicestopeoplewhoseprimarylanguageisnotEnglish,suchas:

— Qualified interpreters— Information written in other languages

If You Need These Services, Contact Brenda Johnson.

IfyoubelievethattheCentraMedicalBenefitsPlanhasfailedtoprovidetheseservicesordiscriminatedinanotherwayonthebasisofrace,color,nationalorigin,age,disability,orsex,youcanfileagrievancewith:BrendaJohnson,BenefitsManager,1920AtherholtRoad,Lynchburg,VA24501;phone434-200-7668,fax434-200-7410,emailbrenda.johnson@centrahealth.com.Youcanfileagrievanceinpersonorbymail,fax,oremail.Ifyouneedhelpfilingagrievance,BrendaJohnsonisavailabletohelpyou.YoucanalsofileacivilrightscomplaintwiththeU.S.DepartmentofHealthandHumanServices,OfficeforCivilRightselectronicallythroughtheOfficeforCivilRightsComplaintPortal,availableathttps://ocrportal.hhs.gov/ocr/portal/lobby.jsf,orbymailorphoneat:U.S.DepartmentofHealthandHumanServices,200IndependenceAvenueSW.,Room509F,HHHBuilding,Washington,DC20201,800-868-1019,800-537-7697(TDD).

Complaint forms are available at: http://www.hhs.gov/ocr/office/file/index.html

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NOTESNOTES

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NOTES

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NOTESNOTES