EMPLOYEE BENEFITS GUIDE 2020 - Baptist Health

EMPLOYEE . BENEFITS . GUIDE . 2020. STAFF. Staff GUIDE Table of Contents INTRODUCTION. 3 Welcome Page 4 Employer-Provided BENEFITS 5 Highlights 7 My BENEFITS Mentor 8 Workday 10 Frequently Asked Questions BENEFITS . 11 Medical BENEFITS 16 Baptist Health Outpatient Pharmacy 17 Flexible Spending Accounts (FSA). 18 Health Savings Account (HSA). 20 Preventive Health Services 23 Preventive Prescription Drugs 24 Medical Expense Reimbursement Program (MERP). 25 Baptist Health EMPLOYEE Assistance 26 Dental BENEFITS 28 Vision BENEFITS 30 Life Insurance 32 Long-Term Disability (LTD). 33 Short-Term Disability (STD). 35 Critical Illness Plan 37 Accident Plan 39 Whole Life LTC Rider 40 Pet Insurance 41 Identity Theft Protection 43 Fiducius 44 Retirement Plans CLOSING. 45 Helpful Definitions 46 Required Legal Notices 55 Notes 2. Staff GUIDE Welcome to Baptist Health Baptist Health cares for its employees. In fact, many say that at Baptist , we are like family. BENEFITS Centered On You means that we are intentional with our actions and initiatives.

• A High Deductible Health Plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. Being covered by an HDHP is a requirement for having a Health Savings Account. • A Health Savings Account (HSA) is a tax-advantaged account that can be used to pay for current and future medical expenses.

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