2022 Comprehensive

1 2022 ComprehensiveBenefits GuideMecklenburg County Human Resources22022 Comprehensive Bene ts GuideHealth Coverage3 Holidays, Leave, and Time-off Accrual4 Medical Plan Options5 Medical Plan and Rates6 FSA vs. HSA7 Prescription Drugs8 Wellness Incentive Program9 Marathon Health10 Dental Plan and Rates11 Vision Plan and RatesVoluntary Benefits12 Voluntary Insurance 13 Pet InsuranceFinancial Resources14 401(k) and 457 Plans15 NC 529 College Savings PlanBenefits Resources16 County Insurance Perks17 Financial Wellness18 Discount Program19 Employee Assistance Program20 Disability Insurance21 Life Insurance22 Plan Terminology23 Contact Information32022 Comprehensive Bene ts GuideHolidays, Leave, and Time-off Accrual2022 Holiday Schedule*HolidayDate ObservedNew Year s DayDecember 31, 2021 MLK s BirthdayJanuary 17 Good FridayApril 15 Memorial DayMay 30 JuneteenthJune 20 Independence DayJuly 4 Labor DaySeptember 5 Veterans DayNovember 11 ThanksgivingNovember 24 & 25 ChristmasDecember 23, 26, 27* regular full-time employeesVacation LeaveFor regular full-time and part-time employees, vacation leave begins accruing on the first day of employment.

2 The accrual rate is based upon years of service. Employees who do not use sick leave or leave without pay for 7 consecutive pay periods earn an additional 4 hours of of ServiceDays per Year0-1102-4125-91510-141815-192120+24At the end of each calendar year, employees may carry a maximum of 30 days vacation into the new year, and any excess leave over 30 days will be rolled into the employee s accumulated sick leave Leave - 12 Days AnnuallyFor regular full-time and part-time employees, sick leave is accrued on a bi-weekly basis at a rate of hours (12 days annually) for each regularly scheduled hour worked. There is no maximum accrual Leave Donation: In long-term medical situations, employees may donate sick leave to other employees subject to certain of AbsencesThere are specific types of absences which may be approved as periods of time away from work.

3 Mecklenburg County recognizes the following types of leave. Restrictions may Leave: unpaid up to 30 daysDisaster Response LeaveExtended Family Leave: unpaid up to 52 work weeksExtended Medical Leave: unpaid up to 52 work weeksFamily/Medical Leave: unpaid up to 12 work weeksMilitary Caregiver Leave: unpaid up to 26 work weeksMilitary LeavePaid Family Leave: paid to up 6 weeksTo be eligible for Paid Family Leave, an employee must bequalified under the Family Medical Leave Act (FMLA) and on approved FMLA LeaveMecklenburg County allows time away from work for the death of an immediate family member, as defined by policy. Regular full-time employees may take up to 24 consecutive work hours of paid Resources42022 Comprehensive Bene ts GuideHealth CoverageMedical Plan OptionsFor Plan Year 2022, you have the following options for medical coverage:PPO (Preferred Provider Organization) is a health plan that offers qualified medical services including preventativeservices and coverage, for in and out-of-network providers.

4 You pay more out of pocket when visiting an out of networkprovider. This plan also includes copays for covered services. Once you reach the deductible you are responsible for your portion of the coinsurance until maximum out-of-pocket is met. An optional tax advantaged health flexible spending account may be used to complement the PPO (High Deductible health Plan) is a health plan that offers qualified medical services including preventativeservices and coverage, for in and out-of-network provider. You pay more out of pocket when visiting an out of networkprovider. Members are subject to a higher deductible and lower premiums. There are no copays with this plan. Coveredservices apply to your deductible and then you will pay for your portion of the coinsurance, until your out-of-pocket maxis Savings account is a tax advantaged health account that compliments your High Deductible health Planand helps pay for eligible healthcare expenses.

5 It s an employer and employee contributed account managed by theemployee. Waived Medical (Opt Out/Waive) is an option for those who have other group coverage and do not want to participate in the County s medical plan for 2022. If you choose to opt out/waive you will receive a one-time cash benefit of $400 (grossed up to $540) added to your paycheck in January. You can still enroll in any of the three flexible spending accounts: health flexible spending account (FSA), Dependent care Reimbursement account (DCRA) and Commuter Reimbursement account (CRA).Dependent flexible account and Commuter Reimbursement account are not considered medical are listed in this chart to display what you can select depending on the plan you of AccountHSAFSA ( health )DCRACRABCBSNC PPOCHECKCHECKCHECKBCBSNC High Deductible health PlanCHECKCHECKCHECKW aived MedicalCHECKCHECKCHECKC overage for Eligible Family MembersMecklenburg County employees may cover family members by paying a bi-weekly payroll deducted premium.

6 Eligible family members include: your legally married spouse and/or your biological, foster, adopted or stepchild/ren up to age 26, a disabled dependent child over age comply with the Affordable care Act requirements, we require social security numbers for dependents covered byour insurance plans. Mecklenburg County participates in an ongoing dependent verification process. Employees covering dependents will be asked to provide proof of elections cannot be made unless you have a qualifying family status change: It is the employee s responsibility to advise the Employee Services Center within 31 days of a qualifying family status change (birth/adoption, marriage/ divorce, graduation of child, death, etc) if a dependent needs to be dropped or added. After the 31 day period, no dependents can be added or dropped.

7 Premium refunds will not be made and coverage will end as soon as the dependent becomes ineligible for Comprehensive Bene ts GuideMedical Plan and RatesThe County offers regular full-time employees group health insurance coverage. Employees hired after January 1, 2017, are limited to the High Deductible health Plan with the health Savings account . New employees will automatically be given the Wellness Rate for the remainder of the plan year. A wellness rate is the discount applied to your medical premiums. To continue to receive the wellness rate discount in 2023, you must complete the predetermined wellness activities mentioned on page 8 of the guide. health CoverageBi-weekly DeductionsHDHP (with HSA)PPO (available only to employees hired before 01/01/2017)Wellness RateWellness RateEmployee CostCounty CostEmployee CostCounty CostEmployee only$ $ $ $ + Child(ren)$ $ $ $ + Spouse$ $ $ $ + Family$ $1, $ $1, RateNon-Wellness RateEmployee CostCounty CostEmployee CostCounty CostEmployee only$ $ $ $ + Child(ren)$ $ $ $ + Spouse$ $ $ $ + Family$ $1, $ $ DeductibleHDHP (with HSA)PPOS ingleFamilySingleFamilyIn-network$1, $3, $ $1, $3, $6, $1, $3, Seed$ $1, CoinsuranceHDHP (with HSA)PPOIn-network30%30%Out-of-network40% 40%Out of pocket max (in network)$5, $10, $5, $10, of pocket max (out-of-network)$10, $20, $10, $21, Max BenefitsUnlimitedUnlimitedPhysician ServicesHDHP (with HSA)PPOO ffice visits (primary care )

8 30% after deductible$ visits (specialist)30% after deductible$ CareCovered at 100%Covered at 100%Allergy Injection30% after deductibleCovered at 100%Surgery30% after deductible30% after deductibleMarathon HealthHDHP (with HSA)PPOP reventative CareFreeFreeSick visit$ $ / FacilityHDHP (with HSA)PPOI npatient / Outpatient30% after deductible30% after deductibleEmergency Room30% after deductible30%, $ copayUrgent Care30% after deductible$ : Your new ID card will be mailed to your home Comprehensive Bene ts GuideHealth CoverageHealth Savings account vs. flexible spending AccountsHealth Savings account (HSA) is an account that youcan set aside pre-tax dollars to save for future medicalexpenses. In order to receive the County s HSA contribution(seed money), you must elect a HDHP even if you do notplan to contribute any of your own money.

9 All remainingfunds, including employee and employer contributions willrollover to the next plan care flexible spending account is a pre-tax account used to pay for eligible medical, dental, and vision care expenses that aren t covered by your insurance plan or elsewhere. The funds you contribute on a bi-weekly basis are front loaded at the beginning of the plan year. This means you may use the funds as soon as they are available. Once funds are exhausted, bi-weekly deductions will still occur until the end of the plan year. You must re-enroll each year during Open Enrollment if you want to participate the following year. The amount an employee can rollover to the year 2023 for plan year 2022 is $ care flexible spending account (DCA) is available to regular full-time employees and allows you to set aside pre-tax dollars for planned dependent care services (dependent children under the age of 13 or adult day care ).

10 You must re-enroll each year during Open Enrollment if you want to participate the following year. The funds in this account become available after each contribution. You will be unable to get reimbursed for a service if it is more than what you have available in your account . Unused funds will not roll over to the next plan year. The minimum you can contribute is $260 and the maximum is $5,000 for Reimbursement account (CRA) is available to regular full-time employee for transit reimbursement (bus, rail, vanpool) expenses. You can use this account to purchase CATS bus, rail or vanpool passes. You may contribute up to $280/month and you may withdraw up to $280/month. Remaining balance will roll over from month to month and year to year. Deductions may be started and stopped at any flexible spending account (FSA) health Savings account (HSA)