Benefits Enrollment Guide

1 2018 Benefits Enrollment Guide 2 | CENTRAL MAINE HEALTHCARE 2018 BENEFIT Guide WELCOME Healthy Decisions 2018 To make informed choices about your Benefits , you ll need facts and resources. That s why we created this Enrollment Guide , along with a wide range of other materials designed to help you understand your options, as well as your responsibilities. Be sure to read this Enrollment Guide carefully so you can make the best possible health care choices for you and your family. What follows: Employee Self Service will allow you to complete your re- Enrollment elections electronically!

2 Healthy Decisions 2018 Wellness Program Healthy Decisions Get Rewarded for Healthy Habits Medical Coverage Prescription Drug Coverage Dental Coverage Basic and Supplemental Life Insurance HARP insurance (Home, Auto, Renter, Pet Ins.) Spending Accounts Changing Your Elections During the Year Frequently Asked Questions (FAQs) Vision Insurance Four Voluntary Benefits Plan Year 2018 Dear Team Members, Central Maine Healthcare is proud to offer a comprehensive Benefits package specifically designed with your health and financial security in mind.

3 From plans to keep you healthy, to programs that help you plan for your future, we ve got you covered. Selecting Benefits that match your lifestyle, family needs and financial obligations is a very important task. Read this Benefits Guide for information to help you select the Benefits that best meet your needs and the needs of your family. SPECIAL ANNOUNCEMENTS Electronic Enrollment in Kronos will be open from October 23th to November 10th. You can access this by signing into Kronos Employee Self Service and making your selections under each insurance option.

4 NOTE: it is a requirement to view every page (even if waiving coverage). If you do not submit an electronic re- Enrollment your medical plan will default to the Advantage plan and any other current insurance coverage or spending account elections will duplicate for 2018. CMH is having a short plan year in 2018 to align future open enrollments with the fiscal year. All deductibles, out of pockets and spending account maximums will be cut in half to fit into the six month plan year. Re- Enrollment will be held next spring for July 2018.

5 NEW FOR 2018 We are adding two new Consumer Driven Health Plans. This means that you and your covered family members have more responsibility in determining when to receive care, which providers to use, and how to pay for your care. Both plans are High Deductible Healthcare Plans with Account Funding Options: Smart Saver Plan HSA with Limited Purpose FSA Advantage Plan HRA with Traditional FSA CMH Funding for HSA and HRA $1,200 individual / $2,000 family based on participation in the Healthy Decisions Program.

6 Pharmacy Adding a fourth tier of coverage for Specialty Drugs, Adding Step Therapy, Adding Optum Rx Prior Authorization, Adding Optum Rx Quantity Limit program Domestic Partner Coverage no longer available Healthy Decisions New relationship with Occupational Medical Consulting (OMC), Employed Nurse Practitioner, Employed Health Coaches , Participation Funds are contributed to your HSA or HRA accounts on a Quarterly basis. Dental deductibles increasing to $50/$150, major services now covered at 50% and Orthodontia Lifetime maximum increasing to $1,500.

7 Dependent Life Insurance Long-Term Disability Short Term Disability If you have any questions on the Re- Enrollment process, kindly email or give me a call at (207) 795-2391. Jerry Marstaller Director of HR Operations and Total Rewards CENTRAL MAINE HEALTHCARE 2018 BENEFIT Guide | 3 2018 Benefits Medical Coverage All CMH Medical Plans offer meaningful choices and options. You may choose one of two plans: Smart Saver Plan HSA or the Advantage Plan HRA. Both plans offer the same coverage for medical services and prescription drugs but differ in deductibles, maximum out-of-pocket, co-insurance and premiums.

8 It s important that you carefully review all your choices. Remember, when you enroll in one of the CMH Medical Plan options, you are also automatically enrolled in the Prescription Drug Program. No matter which medical option you select, you are responsible for deductibles, coinsurance, and copays at the time of service. The following chart shows your 2018 cost share. Medical Benefits Visit Type CMH PHO UHC Options PPO Outside both CHM PHO & UHC Options PPO Wellness Visits** Annual physical exams & associated lab tests and mammogram Plan Pays 100% Plan Pays 100% Plan Pays 100% Well child care (up to age 30 months) Plan Pays 100% Plan Pays 100% Plan Pays 100% Routine exams Plan Pays 100% Plan Pays 100% Plan Pays 100% Annual gynecological exams Plan Pays 100% Plan Pays 100% Plan Pays 100% Womens contraceptives (per PPACA)

9 Plan Pays 100% Plan Pays 100% Plan Pays 100% Wellness colonoscopy Plan Pays 100% Plan Pays 100% Plan Pays 100% Annual Pap smear Plan Pays 100% Plan Pays 100% Plan Pays 100% Immunizations (including Shingles vaccine if over age 50) Plan Pays 100% Plan Pays 100% Plan Pays 100% Prenatal physician (one co-pay with entire pregnancy) Plan Pays 100% Plan Pays 100% Plan Pays 100% Smoking Cessation counseling & nicotine replacement therapy Plan Pays 100% Plan Pays 100% Plan Pays 100% Other Visits Physician Office Visit Subject to deductible & co-insurance Subject to deductible & co-insurance Subject to deductible & co-insurance Specialist Office Visit Subject to deductible & co-insurance Subject to deductible & co-insurance Subject to deductible & co-insurance Emergency Room Visit (Co-pay waived if admitted)

10 Subject to deductible & co-insurance Subject to deductible & co-insurance Subject to deductible & co-insurance Urgent Care Subject to deductible & co-insurance Subject to deductible & co-insurance Subject to deductible & co-insurance Podiatry Office Visit (Surgery requires medical necessity & pre-approval) Subject to deductible &co-insurance Subject to deductible & co-insurance Subject to deductible & co-insurance Cardiac Rehab Series Subject to deductible & co-insurance Subject to deductible & co-insurance Subject to deductible & co-insurance Mental Health Services (outpatient) Subject to deductible & co-insurance Subject to deductible & co-insurance Subject to deductible & co-insurance Substance Abuse Services (outpatient)