Employee Benefit Enrollment Guide 2014

Employee Benefit Enrollment Guide 2014 Touro Infirmary Message from the President........................................ 2 Benefit announcements.......
Author: Sybil Brown
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Employee Benefit Enrollment Guide 2014 Touro Infirmary

Message from the President........................................ 2 Benefit announcements..................................................... 3 2014 Benefit Changes .................................................................. 4 Be Smart About Your Benefits............................... 5 How to enroll.......................................................................................6 Frequently asked questions ................................... 7 Medical/Dental/Vision Rates .................................. 10 Summary of Benefits ..................................................................12 Employee assistance program ............................. 14 Notices.................................................................................................................... 15

President’s Message As a healthcare provider and leader in our community, Touro understands the importance of healthcare and health benefits. Thanks to the good stewardship of the employees who are using Touro healthcare services and the overall performance of our plan, Touro has been able to maintain our current level of benefits. This year, our entire country is presented with the challenges associated with the implementation of the Affordable Care Act (ACA), effective January 1, 2014. Although portions of the employer health insurance mandate of ACA have been deferred until 2015, significant new additional fees and costs associated with employer-sponsored coverage will take effect on January 1, 2014. As a result of the ACA implementation, Touro and employers nationally are dedicating their resources towards medical coverage. I am pleased to announce that Touro health benefit premium will remain unchanged for 2014. However, the dental and vision benefits will be changing and Touro will no longer subsidize the premiums. Employees electing dental and vision coverage will pay 100% of the premium. All other benefits and rates for life insurance, disability and cancer coverage will remain the same. At Touro, we have a strong desire for our employees to be healthy, happy and productive and we believe those simple principles are cornerstones of a successful organization. Taking care of our patients is what we do every day, but it’s equally important that you take good care of yourself and your family. Your health and well-being are critical to our success! Effective January 1, 2014, Touro’s health plan will include annual preventive service checkups at no cost to you. This means preventive office visits for you and your dependents and any related readings and interpretations will be covered at 100%. No out of pocket expense to you or your dependents for wellness related prevention services. Do your part to stay healthy and help keep our health plan costs affordable through preventative visits and services. Touro will continue to offer the Base and Enhanced medical plans. Remember to always think Touro and use Touro services when provided. Touro is committed to providing a high quality level of benefits to our employees at a cost that is competitive in the local healthcare market. Included in your open enrollment materials are the 2014 medical, dental, and vision rates.

James T. Montgomery President, Touro Infirmary

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Benefits announcement 2014 Open Enrollment is November 11-22, 2013 Each year eligible employees have the opportunity to elect or change their benefits during Touro’s annual open enrollment period. A series of educational meetings to discuss employee benefits and the enrollment process have been scheduled. We encourage you to take the opportunity during the open enrollment period to attend one of the meetings in order to make an informed decision regarding your benefits. Your benefit elections will be effective January 1, 2014.

Employee Open Enrollment Meetings Day

Date

Time

Location

Monday

11/11/2013

10:00 am & 1:00 pm

President’s Room

Tuesday

11/12/2013

11:30 am & 2:30 pm

President’s Room

Wednesday

11/13/2013

9:00 am & 1:30 pm

Coliseum Room

Thursday

11/14/2013

8:00 am & 2:30 pm

Coliseum Room

Friday

11/15/2013

8:30 am & 12:30 pm

Foucher Room

Saturday

11/16/2013

8:30 am

Foucher Room

For calendar year 2014, there will be various changes to your benefits plan. This will require action on your part.

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Benefit Changes 2014 Changes That Affect You. • • • • •

UMR will be issuing NEW medical cards to all participants. CHOICE PLUS Options Network has been added to our plan which will provide greater member discounts. The Medical Plans will include improved wellness benefits such as waived wellness office visit co-payments and related readings and interpretations covered at 100%. UMR will be the NEW administrator of the Flexible Spending Accounts (FSA) and will be issuing new FSA debit cards. AlwaysCare is our NEW fully insured vision provider and new vision cards will be issued. Assurant will remain the provider for our NEW fully insured dental benefit. Two dental options (low and high) will be offered.

ACTION REQUIRED 



PLEASE NOTE… 

Due to new dental and vision carriers, completion of enrollment forms will be  required to maintain coverage. Completion of an FSA enrollment form is required.

Refer to page 6 for enrollment details.

Your medical (Base & Enhanced Plans) coverage and rates will remain the same for plan year 2014. Under the medical plans, co-payments, deductibles and coinsurances are not changing.



Your dental and vision plan coverage(s) are changing and requires enrollment for plan year 2014.



Effective 1/1/2014, dental and vision rates will be the same for full and part time employees.

THINK TOURO!

Get to know your benefit plan options… Make wise use of your resources… Save time and money... Always use a Touro facility…

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be smart about your benefits And save money too…

1 2 3 4 5 6

Use a United Health Care (UHC) Urgent Care Facility. Urgent Care co-payment is $20.00 under Touro Plans. Visiting an Urgent Care Facility offers members a fixed co-payment of $20.00 and covers all other related expenses at 100%. Common conditions treated at an urgent care facility are sore throats, the flu, respiratory infections, ear aches, small cuts, sprains and minor broken bones.

NEW! Wellness prevention services are covered at 100%!

Be sure to get your annual preventive service check-ups. Don’t let attempts to save money harm your health in the long term. Wellness services performed at Touro are 100% covered. Effective 1/1/2014, wellness related office visits will be covered at 100%. This means the office visit co pay of $20.00 and any related readings and interpretations will be covered at 100%. No out of pocket expense to you or your dependents for wellness related prevention services.

Preventive check up pays you $$$. If you are enrolled in the ALLSTATE voluntary cancer coverage, Allstate will pay a $50.00 wellness incentive per employee/dependent that gets an annual preventive check up.

Consider a mail order pharmacy. If you take routine prescriptions, Caremark’s mail-order service can save you money. You could get a three-month supply of your medication but only pay for a two-month prescription. So, if your family spends $50 per month on prescriptions, you could save about $200 per year.

Go generic. Generic drugs cost significantly less – just $10 per prescription. If all of your prescriptions are generic, the $100 prescription annual deductible is waived per employee/dependent.

Take advantage of tax-free benefits. Money in a Flexible Spending account (FSA) is exempt from federal, most state, and payroll taxes, so your taxable income is reduced and you are able to use those pre-tax dollars for health care expenses. For example: A pre-tax $2,000 FSA contribution not only gives you money to spend on qualified health care expenses, but would result in a tax savings of more than $450 for an individual making $25,000 per year. For Medical and FSA benefit questions, contact UMR at 1-800-826-9781 or www.umr.com For prescription questions, contact Caremark at 1-800-334-8134 or www.caremark.com For further information regarding Employee Benefits log into Lawson Employee Self Service and click on the Employee Benefits Information link.

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How to Enroll During Open Enrollment, you have the opportunity to review and make changes to your current elections for all of the benefits offered by Touro Infirmary. During the Open Enrollment Period (Nov. 11-22, 2013) you can either ELECT or CHANGE your benefit choices. The following provides complete enrollment instructions. All enrollment changes are due to Human Resources no later than November 22, 2013. All benefits changes are effective January 1, 2014.

REVIEW BENEFITS

SELECT YOUR PLANS

UMR Medical

• •

Assurant Dental NEW! for 2014

Fully Insured Dental Plan • Low Option: $1,000 annual max • High Option: $1,500 annual max

AlwaysCare Vision NEW! for 2014

Fully Insured Vision Plan • In-Network and Out-of-Network benefits

UMR FSA Flexible Spending Accounts

• •

ALLSTATE Cancer Insurance

Optional Cancer Plan • Provides benefits for internal cancer and 29 other illnesses

The Hartford Supplemental Insurance

• • • •

EPO - Base Plan PPO - Enhanced Plan

Medical FSA (max $2,500) Dependent FSA (max $5,000)

Employee Life & AD&D Spouse & Dependent Life Short Term Disability Long Term Disability

ACTION REQUIRED ENROLLMENT REQUIRED if you are: • Changing plans • Enrolling for the first time • Adding or dropping dependent • Waiving coverage ENROLLMENT REQUIRED to participate.

ENROLLMENT REQUIRED to participate.

ENROLLMENT REQUIRED to participate. ENROLLMENT REQUIRED if you are: • Enrolling for the first time (personal health application is required)

• Adding or dropping dependent • Waiving coverage ENROLLMENT REQUIRED if you are: • Enrolling for the first time (personal health application is required)



Increasing life insurance coverage (personal health application is required)

• •

Adding or dropping dependent Waiving coverage

Plan documents and Summary of Benefits and Coverage can be accessed on inside.touro.com (Human Resources) or in the Human Resources department.

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THINK TOURO FOR ALL YOUR Health and wellness needs…

FAQ

1.

What is the difference between UMR and UHC CHOICE PLUS? United Medical Resources (UMR) is the third party claims administrator hired to review and process employee claims for Touro Infirmary in accordance with Touro’s Health Plans. UHC CHOICE PLUS is the network Touro employees are required to utilize when selecting a physician or provider.

2.

What is an Exclusive Provider Organization (EPO-Touro Facility Only)? An EPO directs your medical care to a specific hospital; in this case, Touro. The EPO requires you to utilize all services provided at Touro. For services that Touro does not provide, you will need to seek care at a facility that is in the United Healthcare UHC CHOICE PLUS network, excluding Ochsner and Tulane. Dependents residing outside of the service area will need to select a UHC CHOICE PLUS facility. Benefits are not covered out of the United Healthcare network.

3.

How does the BASE Plan (EPO-Touro Facility Only) work? The Base plan requires you to fully utilize all services provided at Touro. For example, if you are receiving diagnostic testing, lab work or scheduling an inpatient or outpatient procedure you are required to utilize the services provided at Touro, or subsidiary of Touro. Remember to inform your physician regarding the need to utilize Touro. Services performed outside of Touro (when available within Touro) are NOT COVERED.

4.

Will I be required to use Touro Infirmary for all services? Yes. Participants in the Base plan (EPO), are required to use all services provided by Touro.

5.

Are there any advantages of electing the Enhanced plan over the Base plan? Yes. By electing the Enhanced plan, you will have greater flexibility by choosing any provider, in the UHC network or outside of the network. This plan allows you the flexibility to use Touro services or another provider. Keep in mind that any time you choose a provider who is outside of the UHC network, your benefits will be covered at a reduced amount. Remember, services performed at Touro provide the highest level of benefits for you and your dependents.

6.

Does Touro have an arrangement with Children’s Hospital? Yes. Touro does have an arrangement with Children’s Hospital. Children’s Hospital will waive the coinsurance and deductible charges for covered children of employees enrolled in Touro’s health insurance plan. This is for hospital charges only and does not include charges for services that are contracted with an outside vendor. In addition, Children’s Hospital is a preferred hospital under Touro’s health insurance plan. Employees pay a lower co-insurance and lower out-of-pocket maximums for services at Children’s Hospital.

7.

How can I locate In-Network Providers? Check the United Healthcare website at www.umr.com and select United Healthcare Options CHOICE PLUS to find out if your physician is in the UHC CHOICE PLUS network.

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THINK TOURO FOR ALL YOUR Health and wellness needs…

FAQ

8.

What if my physician does not participate under the United Healthcare CHOICE PLUS network? You have two options: Choose a physician who does participate under the UHC network using the UHC website referenced above or ask your provider to consider becoming part of the network. Services performed by a physician who does not participate under the UHC CHOICE PLUS network are not covered.

9.

Do full-time and part-time employees pay the same monthly benefit premiums for health benefits? No. There are two separate monthly premium costs for full-time and part-time employees. The different premium costs are for medical coverage only.

10.

Do full-time and part-time employees pay the same monthly benefit premiums for voluntary benefits? Yes. All full-time and part-time benefits eligible employees will continue to pay the same premium cost for the voluntary benefits, such as dental, vision, life, short & long term disability and cancer coverage.

11.

Are the benefits offered to part-time employees different than full-time employees? No. The plan benefits available are the same. For example, the deductibles, co-pays, and co-insurance benefits are the same for medical, dental and vision.

12.

Will a change in work status affect my benefits? Yes. Touro has two benefit premium rates – one rate for full-time employees and a different rate for part-time employees. If you have a change in work status (i.e. full-time to part-time or vice versa), your medical monthly premiums will change the first of the month following the effective date of the change. You will automatically be enrolled in the same benefit plan; however, the monthly cost will change according to your new work status.

13.

Will I have the opportunity to change my benefit elections or cancel coverage in the event of a change in work status? Yes. You have 30 days from the effective date of the work status change to notify Human Resources of any changes you wish to make. The notification must be in writing and coordinated with the benefits department.

14.

How do I know if my physician has privileges at Touro Infirmary? The only way to address this question is to ask your physician. If your physician doesn’t have privileges at Touro, you will need to select another physician. Ultimately, you want to be sure that the services you are scheduling are covered under your plan.

15.

Are all Crescent City Physicians under the UHC CHOICE PLUS network? Yes.

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THINK TOURO FOR ALL YOUR Health and wellness needs…

FAQ

16.

Are all physicians with privileges at Touro under the UHC CHOICE PLUS network? Not necessarily. You should inquire with your physician or contact UMR customer service to verify if they are innetwork.

17.

Can I consult with someone at UMR regarding my decision? A customer service representative at UMR is available for questions regarding your medical benefits. Simply identify yourself as a Touro Infirmary employee at the beginning of your call. The number to call is 1-800-826-9781.

18.

Should I notify my pharmacy and physician of my benefits plan with Touro? Yes. On your next visit to the pharmacy or doctor, simply present your UMR ID card. This will allow the provider to correctly bill UMR for the services you have received. It’s important to inform your physician of the requirement to utilize Touro as a Base Plan participant.

19.

How do I find out more details regarding my medical benefit plan? You have several options: Contact UMR Customer Service at 1-800-826-9781 or visit www.umr.com. Contact the Human Resources Department at 897-8340, 897-8440 or 897-8428 or review the information provided on Lawson Employee Self Service, inside.touro.com.

The Importance of Updating your Other Insurance Touro’s group health plan requires that you notify UMR if you and/or your dependent(s) have medical coverage under another group health plan. This information is needed so UMR may coordinate coverage with that plan and avoid the delay in processing your medical claims. For example: • A person has health insurance coverage through two different employer plans. One person is the member and one is the spouse/dependent • Coordination of benefits makes sure the primary plan pays first on a claim • The secondary plan will then coordinate with the primary plan and may pay an additional amount

Updating Other Insurance Information Other insurance information is updated annually to ensure proper coordination of benefits. Even if you do not have other insurance, it is critical to let UMR know that you have no other coverage. Updating other insurance information is easy. You can visit www.umr.com and log into your member account. You may also speak to a customer service representative during regular business hours by calling 1-800-7839281.

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Insurance Rates Monthly Plan Rates – FULL TIME Employees MEDICAL Base Plan -Touro

Monthly Premium

EE Contribution

Touro's Contribution

Change

Employee

$400.70

$123.44

$277.26

$0.00

Employee & Spouse

$801.41

$272.38

$529.03

$0.00

Employee & Child

$641.13

$251.96

$389.17

$0.00

$1,146.01

$353.00

$793.01

$0.00

Monthly Premium

EE Contribution

Touro's Contribution

Change

$512.01

$190.33

$321.68

$0.00

$1,024.02

$413.30

$610.72

$0.00

$819.22

$365.45

$453.77

$0.00

$1,464.36

$591.03

$873.33

$0.00

Monthly Premium

EE Contribution

Change

Employee

$17.47

$17.47

($2.99)

Employee & Spouse

$34.17

$34.17

$0.85

Employee & Child

$39.65

$39.65

$4.29

Family

$59.45

$59.45

$6.57

Monthly Premium

EE Contribution

Change

Employee

$29.97

$29.97

$9.51

Employee & Spouse

$60.71

$60.71

$27.39

Employee & Child

$67.11

$67.11

$31.75

Family

$100.82

$100.82

$47.94

Monthly Premium

EE Contribution

Change

Employee

$5.47

$5.47

$0.82

Employee & Spouse

$10.48

$10.48

$1.22

Employee & Child

$10.96

$10.96

$1.27

Family

$16.80

$16.80

$4.45

Family Enhanced Plan Employee Employee & Spouse Employee & Child Family DENTAL Low Option

High Option

VISION

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Insurance Rates

Monthly Plan Rates – Part TIME Employees MEDICAL Base Plan -Touro

Monthly Premium

EE Contribution

Touro's Contribution

Change

Employee

$400.70

$183.00

$217.70

$0.00

Employee & Spouse

$801.41

$417.09

$384.32

$0.00

Employee & Child Family

$641.13

$374.54

$266.59

$0.00

$1,146.01

$535.58

$610.43

$0.00

Monthly Premium

Touro's Contribution $229.21

Change

$512.01

EE Contribution $282.80

$1,024.02

$619.96

$404.06

$0.00

$819.22

$548.17

$271.05

$0.00

$1,464.36

$871.00

$593.36

$0.00

Monthly Premium

EE Contribution

Employee

$17.47

$17.47

Change ($11.42)

Employee & Spouse

$34.17

$34.17

($16.40)

Employee & Child

$39.65

$39.65

($15.25)

Family

$59.45

$59.45

($21.46)

Monthly Premium

EE Contribution

Employee

$29.97

$29.97

Change $1.08

Employee & Spouse

$60.71

$60.71

$10.14

Employee & Child

$67.11

$67.11

$12.27

Family

$100.82

$100.82

$19.91

Monthly Premium

EE Contribution

Employee

$5.47

$5.47

Change ($3.30)

Employee & Spouse

$10.48

$10.48

($7.32)

Employee & Child

$10.96

$10.96

($7.68)

Family

$16.80

$16.80

($6.95)

Enhanced Plan Employee Employee & Spouse Employee & Child Family

$0.00

DENTAL Low Option

High Option

VISION

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2014 Benefits Summary Guide

Product & Premiums Medical Insurance: BASE Plan

Benefits [Exclusive Provider Organization - (EPO)] Office Visit Copay

TOURO FACILITY ONLY

$20

(waived for preventive visits) Touro & Children's

Total Monthly Premium: Employee

$400.70

Employee + Spouse Employee + Child(ren)

$801.41 $641.13

Family

$1,146.01 Full Time

Part Time

$123.44 $272.38 $251.96 $353.00

$183.00 $417.09 $374.54 $535.58

Monthly Contribution: Employee Employee + Spouse Employee + Child(ren) Family

Medical Insurance: ENHANCED Plan Total Monthly Premium: Employee

Family

$1,464.36

Employee Employee + Spouse Employee + Child(ren) Family

Single Family

Hospital Copay ER Copay Outpatient Copay

$75

$0 $0 $100 $100 $100, then Coinsurance

$500 $1,000 $150 $250 $150, then Coinsurance

Mail Order Generic Preferred Brand Non-Preferred Brand Specialty Drugs

Coinsurance 90% $20 OOP Max Single $3,000 $60 Family $6,000 $90 $75 (Limited to 30 day supply) * NPAT - Not Provided at Touro *Requires use of Touro Facilities

$500 N/A $1,000 N/A $150 Not Covered $250 $250 $150, then Not Covered Coinsurance

80% $4,000 $8,000

80% $4,000 $8,000

N/A No Limit No Limit

[Preferred Provider Organization - PPO]

Employee + Child(ren)

Full Time

Part Time

$190.33 $413.30 $365.45 $591.03

$282.80 $619.96 $548.17 $871.00

Monthly Contribution:

Specialty Drugs

Deductible

Office Visit Copay $20 (waived for preventive visits) $512.01 $1,024.02 $819.22

Employee + Spouse

Prescriptions $100 Deductible, then Generic (ded. waived) $10 Preferred Brand $30 Non-Preferred Brand $45

Services NPAT* Services NPAT* Excluding Including Ochsner and Ochsner and Tulane Tulane Non-Network

Dental Insurance Monthly Contribution

Low Option

High Option

Employee Employee + Spouse Employee + Child(ren) Family

$17.47 $34.17 $39.65 $59.45

$29.97 $60.71 $67.11 $100.82

Prescriptions $100 Deductible, then Generic (ded. waived) Preferred Brand Non-Preferred Brand Specialty Drugs

$10 $30 $45 $75

Mail Order Generic Preferred Brand Non-Preferred Brand Specialty Drugs

Coinsurance $20 OOP Max Single $60 Family $90 $75 (Limited to 30 day supply)

Deductible

Single Family

Hospital Copay ER Copay Outpatient Copay

Touro & Children's $0 $0 $100 $100 $100, then Coinsurance

In-Network Excluding Ochsner and Tulane $500 $1,000 $150 $250 $150, then Coinsurance

90% $3,000 $6,000

80% $4,000 $8,000

Deductible (waived for preventive) Annual Maximum

In-Network Including Ochsner and Tulane Non-Network $750 $750 $1,500 $1,500 $500 $500 $250 $250 $150, then $150, then Coinsurance Coinsurance 50% $80,000 $160,000

50% No Limit No Limit

Low Option $0

High Option $25

$1,000 85% 50% 30% N/A N/A

$1,500 100% 80% 50% 50% $1,000

Preventive (oral exam, cleaning, biteing x-rays) Basic (filings, simple extractions, gum treatment, root canals) Major (crowns, dentures, bridges, complex extractions) Orthodontia (Child Only) Lifetime Maximum on Orthodontia

Employees are encouraged to use Assurant Network to maximize plan benefits

Employer Paid Life Insurance and AD&D Enrollment in this plan is automatic upon attaining Full-time status.

Exempt Employees Directors and Above Hourly Employees Accelerated Benefit AD&D Eligiblity

1.5 x annual earnings to a maximum of $300,000 3 x annual earnings 1 x annual earnings to a maximum of $50,000 life benefit; subject to maximum Equals life insurance amount Effective Date - subject to employee status

Employer Paid Long Term Disability (LTD)

Benefit Benefit Monthly Maximum

60% of monthly earnings

For exempt employees, enrollment in this plan is automatic upon attaining one year of service.

Directors & Above All other Exempt Benefit Monthly Minimum Elimination Period Eligibility

$15,000 $7,000 $100 90 days Effective Date - subject to employee status

We are pleased to provide you with a brief outline of the benefits available to you as our employee. This is a brief summary and does not constitute a contract. Plan Documents can be access on Inside.touro.com or in Human Resources. Last updated:

November 6, 2013

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Product & Premiums

Benefits

Voluntary Life Insurance and AD&D

Increments of $10,000 to max of 5X annual earnings or $300,000

Benefit Guaranteed Issue

$100,000 Increments of $5,000 to lesser of 50% of employee amount or $150,000. Guarantee Issue of $30,000

Spouse

Voluntary Long Term Disability (LTD)

Voluntary Short Term Disability (STD)

Child

14 days to 6 months: $250 6 months to 21 years: $10,000; student extension to age 25

Benefit Benefit Monthly Maximum

60% of monthly earnings $5,000

Benefit Monthly Minimum Elimination Period Duration of Benefit

$100 90 days Up to 5 years or age 65

Benefit Benefit Weekly Maximum

66 2/3% of weekly earnings $1,500

Waiting Period

15th day injury / 15th day sickness

Duration of Benefit

11 Weeks (must exhaust EI & ETO prior to benefit beginning)

Voluntary Vision Benefits Monthly Contribution

Frequency

Co-Pays

Exam

12 Months

$10

Frames

24 Months

$25 - $130 Allowance

Employee

$5.47

Lenses

12 Months

$25

Employee + Spouse

$10.48

Contacts

12 Months

$25 - $130 Allowance

Employee + Child(ren)

$10.96

Family

$16.80

See your schedule of benefits for Non-Network rates

Voluntary Cancer Protection

• Includes 29 other covered illnesses.

Monthly Contribution

• $2,000 benefit payable for the first occurrence of internal cancer

Employee

$15.70

• Includes a daily benefit for hospitalizaiton

Family

$26.34

• Wellness reimbursement benefit of $50 per year

Flexible Spending Account

*Contacts in lieu of glasses

Medical Spending Account

Maximum contribution of $2,500

Dependent Care Spending Account

Maximum contribution of $5,000

Vacation / Sick Time

RN's Exempt CRNA's Directors

Days

Non - Exempt

0-5 22 24 26 30 30

Part-Time ETO

Years of Service 5-10 10-15 15-20 20+ 23 24.5 25.5 26.5 25 26 27 28 27 28 29 30 30 30 30 30 30 30 30 30

Extended Time Off (ETO) is available to Full-Time employees on an annual basis. ETO includes 7 holidays to be used in the year.

Non - Exempt

RN's Exempt

Days

Full-Time ETO

0-5 7.5 8.5 9.5

Years of Service 5-10 10-15 15-20 8 9 9 9 10 9.5 10 10.5 11

20+ 10 11 12

Extended Time Off (ETO) is available to Part-Time + 17.5 employees on an annual basis. ETO is available after 90 days of employment.

ETO accruals are based on actual hours worked.

Extended Illness (EI: Sick Time):

Other Benefits

All Full -Time employees earn 3.08 hours of sick time each pay period (80 hours per year). ETO Policy for further details. Sick time is available after 90 days of employment.

24 Hour On Call Employee Assistance Program (EAP) Touro Cash Balance Retirement Plan MetLife 403b Tax-Sheltered Annuity

Who to call

Carrier Name

Toll Free Number

Medical Pharmacy Benefit Manager Dental Vision Life Insurance / Disability Flex Plan Cancer Employee Assistance Program (EAP) Human Resources Emily McGaughey

UMR Caremark Assurant AlwaysCare Hartford UMR AllState EAP, Inc. Touro Infirmary Touro Infirmary

Chacava McKey Kisha Hughes Don Zimmerman

Touro Infirmary Touro Infirmary Touro Infirmary

800.826-9781 800.334.8134 800.442.7742 888.729.5433 800.303.9744 800.826-9781 800.648.4489 800.749.3277 504.897.8340 504.897.8428 504.897.8440 504.897.7851 504.897.7811

Benefit Summary Website

www.umr.com

www.caremark.com www.assurant.com www.alwayscarebenefits.com www.groupbenefits.thehartford.com www.umr.com

www.ahlcorp.com www.lifeworks.com [email protected] [email protected] [email protected] [email protected]

We are pleased to provide you with a brief outline of the benefits available to you as our employee. This is a brief summary and does not constitute a contract. Plan Documents can be accessed on Inside.touro.com or in Human Resources. Last updated:

November 6, 2013

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EAP Program The Employee Assistance Program (EAP) provides free confidential, professional assistance to help employees and their families resolve problems/issues that affect their personal lives or job performance. Besides being confidential, the program is voluntary – it is designed to allow the employee or family to seek help on their own. What kinds of problems will the EAP help with? The program deals with human problems – the kind that affect an employee’s personal well being and their ability to perform on the job. Who is eligible for this program? ALL Touro employees and their family are eligible. What is the cost? The first five visits are paid for by Touro. If further assistance is necessary, either your insurance will take care of it or if it is not covered under insurance, the counselor will work on a payment plan with you. Is it confidential? Yes, any issues discussed with your counselor are confidential. Neither your employer nor co-workers will have any knowledge of your request for help.

Call when you need help with:

 Parenting Skills/Children  Local Resources  Depression  Anxiety/Stress  Post-Trauma issues  Grief or Anger  Marital Relations  Work/Life issues  Drug/Alcohol  And other issues 1-800-749-3277

For more information on the program, visit www.lifeworks.com or visit the Human Resources department to pick up a brochure or call EAP directly at 1-800-749-3277. Touro Login: www.lifeworks.com ID: EAP123 Password: lifeworks

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Notices REMINDER: Benefit choices that Require Action   

Enrolling for the first time

    

Enrolling in new Dental and Vision plans



You must complete the proper enrollment forms and submit them to Human Resources for changes to take effect on January 1, 2014.

Adding or dropping dependent coverage Changing medical plans (Base to Enhanced or vice versa) Increasing life insurance coverage Participation in the Flexible Spending Account (FSA) Waiving coverage All forms are due in Human Resources no later than 11/22/2013.

REMINDER ~ NO ACTION IS REQUIRED: If you are currently enrolled in medical, cancer, or life and disability and are not changing your coverage, you and your dependents coverage(s) will remain the same for 2014.

CCPI Appointment Hotline Dedicated to Touro, Woldenberg Village, ILH and Children’s Hospital Employees.

(504)-210-4450 Call CCPI’s hotline to find the next available appointment with a CCPI Physician. Same-day appointments available in some CCPI offices.

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Notice that this Touro Infirmary Employee Health Plan is a Grandfathered Health Plan This group health plan believes this plan is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that your plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator at 897-8340 (Human Resources). You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at 1-866-444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans. Disclosure: This is a brief summary and does not constitute a contract. Plan Documents and Summary of Benefits and Coverage can be accessed on inside.touro.com (Human Resources) or in the Human Resources Department. Final last revised 11.8.2013

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