EMPLOYEE BENEFITS GUIDE 2021 - Baptist Health

1 Staff GuideEMPLOYEE BENEFITS GUIDE2021 STAFFOCTOBER 2020 Staff Guide2 Table of ContentsHelpful DefinitionsRequired Legal NoticesNotesCLOSING474857 Welcome Page Employer-Provided BenefitsHighlightsMy BENEFITS MentorWorkdayFrequently Asked QuestionsINTRODUCTION3457810 Medical BenefitsBaptist Health Outpatient PharmacyFlexible Spending Accounts (FSA) Health Savings Account (HSA) Preventive Health ServicesPreventive Prescription DrugsMedical Expense Reimbursement Program (MERP) Baptist Health EMPLOYEE AssistanceDental BenefitsVision BenefitsLife InsuranceLong-Term Disability (LTD)Short-Term Disability (STD)Critical Illness PlanAccident PlanHospital Indemnity Whole Life LTC Rider Pet InsuranceIdentity Theft ProtectionFiduciusRetirement PlansOptum Health BeginningsBENEFITS1116171820232425262830 3233353739404142444546 Staff Guide3 Welcome to Baptist HealthBaptist Health cares for its employees.

2 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. The focus of our BENEFITS offerings takes into account every EMPLOYEE s life cycle. It requires listening to our employees through surveys, focus groups and EMPLOYEE comments so that as we make changes, we are addressing relevant take time to review the benefit information provided in this GUIDE , as it offers an extensive overview of your Health and welfare benefit options. This includes details about eligibility, enrollment and the plans available to you. It also explains how life changes and changes in your employment status can affect your BENEFITS .

3 We recommend you keep this GUIDE for future to BEN> HR Portal, under the BENEFITS section, to find information on how to access Workday and more useful documents to help you IN YOUR 2021 BENEFITS PLAN IS EASY!Workday can be accessed through the Baptist EMPLOYEE Network (BEN) at and when you are on the go by using the Workday : Baptist Health has made every effort to accurately report the information in this GUIDE . If any information contained in this GUIDE conflicts with the applicable official plan documents and insurance agreements of Baptist Health , the official plan documents and insurance agreements will Guide4 Employer-Provided BenefitsThe following BENEFITS are included in your total compensation at no cost to you.

4 Time Away From Work Paid Time Off Family Medical Leave Personal Leave Maternity/Paternity LeaveEducation Tuition Reimbursement Student Loan Refinancing ToolsLife Insurance Basic EMPLOYEE Life and Accidental Death & Dismemberment (AD&D) insuranceDisability Insurance Long-Term Disability (LTD) (for full-time employees scheduled to work at least 32 hours per week)Retirement BENEFITS 403(b) Plan with company match Roth provision included with company matchA Century of Commitment to the Health of Our CommunitiesMISSIONB aptist Health demonstrates the love of Christ by providing and coordinating care and improving Health in our VALUESI ntegrity , Respect, Compassion, Excellence, Collaboration and TO PATIENT SAFETY Continuously improve patient outcomes through a culture of safety and clinical VISIONB aptist Health will lead in clinical excellence, compassionate care and growth to meet the needs of our Guide5 HighlightsThe Medical Plan is administered by Anthem Health Plans.

5 Anthem administers the Enhanced PPO, Core PPO, and HDHP using the Anthem BlueCross BlueShield Network. Please see page 12 for a summary of coverage options and premiums. Baptist Health continues to provide excellent healthcare services through the compassion and expertise of our employees. When our employees need care for themselves or their loved ones and use a Baptist Health facility, out-of-pocket costs are plans are available including a High Deductible Health Plan with a Health Savings Account (HSA). 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.

6 A Health Savings Account (HSA) is a tax-advantaged account that can be used to pay for current and future medical expenses. An HSA works with an HDHP, and allows you to use before-tax dollars to pay your provider or reimburse yourself for your eligible out-of-pocket medical expenses for you, your spouse, and your dependents, which in turn saves you tax dollars and increases your spendable MedicationsBaptist Health System has retail pharmacies located at each of our 9 hospitals. Effective January 1, 2021, maintenance medications must be filled at a Baptist Health Retail Pharmacy. Existing prescriptions for maintenance medications not filled at a Baptist Health Retail Pharmacy may continue to be filled up to a total of 2 refills.

7 Remaining refills for any maintenance medication must be transferred to a Baptist Health Retail Pharmacy. The Prescription Transfer Form can be found on HR Portal > Preventive Plan is offered to all employees, including PRN and temporary employees. This plan covers only minimum essential services as defined by the Affordable Care Act. These include screening and wellness services. This plan is not comparable to the Enhanced PPO, Core PPO, and HDHP. It does not cover conditions caused by illness or accident. For example, it does not cover a visit to the emergency room or an urgent care center for illness treatment. Please review and consider carefully before electing this Accident and Critical Illness coverage is offered through UNUM with guarantee issue for 2021 and a $100 wellness benefit.

8 Whole Life and LTC Rider will help protect your savings from being drained by this expensive care. Most important, this coverage allows you to use the benefit whether you receive care at home, or in a long-term care facility, an adult day care, or a nursing EMPLOYEE Assistance Program (EAP), is offered through Magellan Healthcare. Magellan has many features to offer including online self-guided therapy modules and legal counseling (800-327-7354).Identity Theft benefit through Allstate Identity Protection is offered to you. InfoArmor has joined the Allstate corporation and will now be called Allstate Identity Protection. This allows you to cover yourself or your entire family on a comprehensive plan that offers pre-existing coverage and full identity restoration.

9 Pet Insurance benefit is offered through Nationwide Insurance. You will be able to choose from 2 plans: My Pet Protection with Wellness My Pet Protection Premiums for benefit coverage will be deducted from each paycheck. Deductions for 2021 are spread evenly over each of the 26 pay BENEFITS Mentor Tool is a tool available to assist with making benefit enrollment decisions. The My BENEFITS Mentor Tool, powered by IBM Watson, will help to provide you with personalized, data-driven plan recommendations to assist you with making benefit elections. This tool is available during the enrollment process through Workday and on HR Portal > Guide6 Highlights continuedTobacco-use/Alternative Healthcare Rates: When you enroll, you will see questions about tobacco use, and if your spouse has medical plan coverage available through their employer.

10 Baptist Health implemented these rates to encourage tobacco users to quit and to offset the additional cost associated with providing healthcare to tobacco users. Tobacco use remains the single largest preventive cause of disease and premature death in the nation. It also contributes to chronic and serious diseases, leading to higher healthcare costs. It is good stewardship to promote choices where preventable illness can be reduced. It is especially valuable for the individual. Encouraging employees and their families to be tobacco-free is a proactive way to help manage healthcare rates apply to the Medical insurance plans only. The Affordable Care Act (ACA) defines tobacco use as the regular use of any tobacco product, including cigarettes, cigars, chewing tobacco, snuff and pipe tobacco, four or more times per week in the past six months.