REMINDER: Your benefit enrollment forms are due to HR within 31 days of your hire date or benefit eligibility date

Table of Contents Welcome

3

Default Coverage

4

Making changes

4

Eligibility for benefits

5

Medical and Pharmacy Plans

6

Dental Plan

10

Medical and Dental Premiums for 2015

12

Flexible Spending Accounts

13

Disability Insurance

14

Paid Time Off (PTO)

15

Life Insurance

16

Retirement Plans

18

Additional Benefits

19

Where can I find help?

20

Electronic Access to Information

20

Required Notices HIPAA Notice of Privacy

21

Marketplace Notice

23

Welcome Dear Regions Hospital Employee: We are pleased that you have chosen to work at Regions Hospital. We know that benefits can make a difference in our health, wellness and lifestyle. Right now is your chance to review the benefits available to you as a benefits eligible employee of Regions Hospital. We hope that this guide will help you to become familiar with the benefits that are available to you. If you are looking for more detailed information you can visit myPartner/Life & Career/Pay & Benefits/Regions Benefits. If you have additional questions or want to talk to a benefits representative call the HR Service Center at 651-254-4700.

Selecting the right benefits for you and your family is one important step toward ensuring overall health and well-being. When we are at our best, we are better able to care for and provide an excellent experience to our patients and their families. Thank you for being a part of our Regions Hospital family. Sincerely,

Kim Egan, Executive Director, Human Resources Alicia Gilbert, Comp & Benefits Mgr.

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Your default coverage New employees and newly benefit eligible employees have 31 days from their date of hire or status change to enroll. If your benefits enrollment forms are not returned within 31 days, you may be defaulted to the following options: • Waive for: • Medical • Dental • Short Term Disability • Optional Life Insurance • Long Term Care • No contributions to the healthcare or dependent care FSA or the Health Savings Account (HSA) • No employer contribution to your HSA account • No PTO will be sold/traded

Levels of Coverage for Medical and Dental • • • •

Single – Coverage for yourself Family – Coverage for yourself and eligible dependents (spouse and child/ren) Domestic Partner Family – Coverage for yourself and eligible domestic partner and child/ren Waive – No Coverage

Changing Benefits Annual Enrollment, which occurs each year in the fall, is your one time per year opportunity to change your benefits. You can add or cancel coverage during the year only if you have a qualifying life event (such as marriage, birth of a child, divorce, etc.). You may enroll or cancel applicable coverage up to 31 days from the date of the qualifying life event. Note that your change must align with the qualifying life event you have experienced. Contact the HR Service Center for guidance at 651.254.4700.

Looking for more information? Visit myPartner/Life & Career/Pay and Benefits for more information on all of the benefits available to you as a Regions employee.

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Eligibility Regions Hospital regular employees scheduled or authorized to work at least 40 hours each pay period (0.5 FTE) are eligible for benefits. The following benefits are effective the first day of employment or the day you are newly eligible due to change in FTE: medical, dental, flexible spending accounts, health savings accounts and PTO. All other benefits are effective the first of the month following date of hire or FTE change.

Eligible Dependents • Your legal spouse • Domestic partner, opposite or same sex (Requires affidavit of domestic partner status) • Dependent children up to age 26 • Biological child • Stepchild • Legally adopted child or a child legally placed for adoption • A child under the employees legal guardianship as ordered by court • Child of a domestic partner You will be required to verify all newly added dependents (including spouse and domestic partner) in 2015. A package will be mailed to your home address from AON Hewitt, our Dependent Verification vendor. Unverified dependents will be removed from benefit coverage.

Affordable Care Act and Your Benefits The Affordable Care Act (ACA), or Health Care Reform law, is federal legislation passed in 2010. This new law is multi-faceted and has an impact on both employers and individuals. Various provisions of the ACA have been implemented since 2010. Beginning in 2015, a piece of this legislation will go into effect which expands the eligibility for medical coverage only to all employees working on average 30 hours or more per week (actual hours worked not just FTE) and temporary employees scheduled to work on average 30 hours or more per week for longer than 6 months. At Regions Hospital, we offer medical coverage to all regular employees working at least .5 FTE which is higher than the ACA requires as an employer requirement. The Human Resources Department will review average hours worked during specific periods as outlined by ACA requirements to determine eligibility for medical coverage based on actual average hours worked. Employees who are determined to be eligible for medical coverage under the ACA will receive a notification via email. Employees who are determined to be eligible will have the option to enroll in medical coverage only, although they are not required to take coverage through Regions Hospital. If you have questions regarding the ACA or benefit eligibility please contact the HR Service Center at 651-254-4700.

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Medical and Pharmacy Regions Hospital offers three medical plan options for 2015 (see the following pages for more information): • HealthPartners First Plan • HealthPartners Empower Health Reimbursement Account (HRA) Plan • HealthPartners Empower Health Savings Account (HSA) Plan All providers under the HealthPartners family of care network will offer you the highest level of coverage. Under all three plans preventive care is covered at 100 percent (in-network) including, preventive visits and screenings, well-child/baby, prenatal/postnatal and immunizations. For questions about your plan coverage, benefits, network and other issues, please contact Member Services, Monday – Friday, 7 a.m. – 7 p.m. CST at 952-883-5000 or log on to www.healthpartners.com to chat online with a Member Services team member. Below are some services through your health plan you may find beneficial: www.healthpartners.com: This online resource helps you find providers, prescription drug information, order ID cards, review benefits, identify procedures that may require pre-approval, access health improvement resources and get answers to FAQs. You can also create your own Personal Health Record to manage medical history, track your health, access the medical library and more. You can also download an app for your phone which provides access to the tools above from the convenience of your mobile device! virtuwell: Your 24/7 online clinic! virtuwell is a great option for simple medical conditions like cold and flu, ear pain and sinus infections. You’ll take a quick online assessment that checks your history and receive a treatment plan. The First and HRA Plans offer three free visits per family member. After the free visits you can continue to use virtuwell with your convenience care benefit. Visit www.virtuwell.com. Fitness club discounts: If you are a member at a participating fitness club, and work out 12 times per month, you and your spouse or domestic partner can receive a $20 discount, per person (2 max) for each qualifying month. HealthPartners nurse and pharmacy navigators: Great resources to help you understand your medical benefits and choose an appropriate treatment option. Contact Members Services 952-883-5000.

Summary of Benefits Coverage available on myPartner under 2015 Annual Enrollment 6

HealthPartners First Plan The First Plan is a deductible plan which means you must pay the deductible before the plan pays, however, prescriptions are not subject to the deductible. The physician services at your first three in-network office, urgent care or convenience care visits are not subject to the deductible! In addition, you receive three virtuwell visits at no cost to you. After your first three visits, the amount you pay depends on your deductible and coinsurance. Your co-insurance will be dependent on the network provider you choose.

HealthPartners Health Reimbursement Account (HRA) Plan The HealthPartners HRA Plan is a deductible plan. Regions Hospital funds the HRA on your behalf to help you offset medical costs. Think of your HRA as an account funded by Regions Hospital which you can use to pay for eligible medical expenses. Once your HRA dollars are exhausted, you are responsible for any additional costs. In addition, you receive three virtuwell visits at no cost to you. Regions funds $750 toward the HRA for single coverage and $1,000 for family coverage effective Jan. 1. Unused dollars will roll over from year to year as long as you are enrolled in the Regions Hospital HRA plan. HRA dollars are not portable and will be forfeited if you terminate employment or cancel coverage. If you change coverage to the HSA plan your dollars will move to a limited use account which may be used to offset eligible dental and/or vision expenses.

HealthPartners Health Savings Account (HSA) Plan You have the opportunity to save money all year long when you enroll in an HSA! Not only will you save with lower monthly premiums, but you’ll receive employer contributions to an HSA held at Wells Fargo. You are also able to contribute your own dollars to this plan. The dollars put into your HSA by you are through payroll deduction and are contributed pre-tax. Regions Hospital contributes $1,000 for single coverage and $1,750 for family coverage effective Jan. 1. When you enroll during annual enrollment Regions Hospital contribution is funded as a lump sum in January. After January employer contribution is pro-rated and deposited each pay period. Think of your HSA as a savings account for medical, dental and vision costs. Unlike the flexible spending account, an HSA allows you to “keep” unused dollars. In addition, your savings are always yours, even if you leave employment or switch plans. Your funds can be invested and grow like a retirement fund. Enrolled employees may contribute up to the limits established each year by the Federal government (limits listed below include contributions by Regions and the employee). Catch up contributions are available for employees age 55 and older. You can change your contribution amount monthly, if needed. You are personally responsible for keeping documentation showing that all HSA withdrawals are for qualified health, dental or vision plan expenses. 2015 HSA Limits

Single

Family

Contribution Limit

$3,350

$6,650

Catch Up (55 & over)

$1,000

$1,000

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Medical Plan Highlights

First Plan

Empower HRA

Empower HSA

Unlimited $250 per person / $750 family $1,500 per person / $3,000 family

Unlimited $1,500 individual / $3,000 family $2,500 individual / $5,000 family

Unlimited $3,000 individual / $6,000 family This amount is the same as the deductible amount.

Out of network – Deductible Out of pocket max.

$1,500 per person/$4,500 family $5,500 per person/$8,500 family

$3,000 individual/$6,000 family $6,000 individual/$9,000 family

$6,000 individual/$9,000 family $9,000 ind./$12,000 family

Regions Contribution

Three discounted office visits and 3 free Virtuwell visits

$750 single / $1000 family and 3 free Virtuwell visits

$1000 single / $1750 family

100% coverage

100% coverage

100% coverage

100% coverage

100% coverage

100% coverage

100% coverage

100% coverage

100% coverage

Illness or injury

Level 1 - 95% after deductible Level 2 - 75% after deductible

Level 1 - 90% after deductible Level 2 - 80% after deductible

Mental/chemical health care

95% coverage after deductible

90% coverage after deductible

Physical, occupational and speech therapy

Level 1 - 95% after deductible Level 2 - 75% after deductible

Level 1 - 90% after deductible Level 2 - 80% after deductible

100% coverage after deductible 100% coverage after deductible 100% coverage after deductible

Chiropractic care (neuromusculoskeletal conditions only)

75% coverage after deductible

80% coverage after deductible

Urgently needed care at an urgent care clinic or medical center

80% coverage after deductible

80% coverage after deductible

Emergency care at a hospital ER

80% coverage after deductible

80% coverage after deductible

Ambulance

80% coverage after deductible

80% coverage after deductible

Level 1 - 95% after deductible Level 2 - 75% after deductible

Level 1 - 90% after deductible Level 2 - 80% after deductible

100% coverage after deductible

Level 1 - 95% after deductible Level 2 - 75% after deductible

Level 1 - 90% after deductible Level 2 - 80% after deductible

100% coverage after deductible

80% coverage after deductible

80% coverage after deductible

100% coverage after deductible

Deductible and Out-of-Pocket Lifetime Maximum Annual deductible Annual out-of-pocket maximum

Preventive Health Care Routine physical and eye exams Prenatal, postnatal care and well child care Immunizations

Office Visits

100% coverage after deductible

Emergency Care 100% coverage after deductible 100% coverage after deductible 100% coverage after deductible

Inpatient Hospital Care Illness or injury

Outpatient Care Scheduled outpatient procedures

Durable Medical Equipment Durable Medical Equipment and prosthetic devices

Pharmacy Highlights (Partial listing of covered services) Retail Pharmacy - (31-day supply) $8 copay Regions Pharmacy $12 copay all other Generic formulary drug HealthPartners pharmacies $22 copay other network pharmacies $26 copay Regions Pharmacy $30 copay all other Brand formulary drug HealthPartners pharmacies $40 copay other network pharmacies Mail Order Pharmacy - (93-day supply) $16 copay Regions pharmacy Generic formulary drug $24 copay HealthPartners mail order $52 copay Regions pharmacy Brand formulary drug $60 copay HealthPartners mail order Total Monthly Cost of Insurance Single $617.75 (see page 16 for employee rates) Family $1,404.75

$8 copay Regions Pharmacy $12 copay all other HealthPartners pharmacies $22 copay other network pharmacies $26 copay Regions Pharmacy $30 copay all other HealthPartners pharmacies $40 copay other network pharmacies $16 copay Regions pharmacy $24 copay HealthPartners mail order $52 copay Regions pharmacy $60 copay HealthPartners mail order Single $530.89 Family $1,194.45

100% coverage after deductible

100% coverage after deductible

100% coverage after deductible 100% coverage after deductible Single $486.94 Family $1,088.14

Deductibles A deductible is the amount you pay for eligible services before the plan will begin to pay. Since you were hired after January 1, 2015 you have received a grandfathered status for 2015 and are automatically eligible for the lowest deductibles. In 2016, your Regions Hospital medical plan deductible level will depend on the medical plan you choose, coverage level, completion of the health assessment and a well-being program and tobacco status.

How can I meet the qualifications for lower deductibles in 2016? Simple! You have the opportunity each year to complete a well-being program. You have until Oct. 9, 2015 to complete the health assessment and participate in one well-being activity or program in order to have lower deductibles in 2016. If you are covering a spouse or domestic partner in your medical plan, they must also complete a well-being activity or program.

There are three simple steps to better health and cost savings! Step 1 Take the confidential online health assessment

Step 2 Complete one of many of our health and wellness programs annually

Step 3 Stay (or become) Tobacco Free

Each year, log on to healthpartners.com to take the health assessment. If you don’t have an account, you’ll need to take a few minutes to create a username and password. You’ll learn about your health strengths and weaknesses. You’ll also get ideas about which programs may be right for you.

Participate in 10,000 Steps, weight loss assistance, stress management or any other wellness program for free.

If you are currently a tobacco user or an enrolled family member is a tobacco user there are many tools available to you in order to change the habit. Many of the wellness programs sponsored by Employee Health count as your annual wellness activity. More information available on myPartner under Employee Health and Wellness.

*Employees hired after July 1, 2015 receive grandfathered deductible status for 2016 and are not required to complete the health assessment and well-being program in 2015. However, you must declare your tobacco status during the 2016 Annual Enrollment period. Question regarding your deductibles and well-being program? Visit www.healthpartners.com or call Member Services at 952-883-5000 9

Dental Plan Regions offers the HealthPartners Distinctions III Plan. This is a network plan with three benefit levels and an out of network option. Your benefits depend on the provider you choose. Benefit Level 1 (HealthPartners Dental Group) network providers have a higher level of benefits than Benefit Level 2 (Park Dental) or out of network providers.

How your plan works With this plan you can choose between three in-network benefit levels for dental care. You maximize your benefits based on the network provider you choose for care. Each family member can select their own dentist. You can also see non-network dentists but your out of pocket costs may be higher. Preventive care through network dentists is covered at 100 percent for things such as exams, cleanings, sealants and x-rays.

Dental Networks You have three in-network benefit levels to choose from with varying annual maximum benefits. Benefit Level 1 will remain at $2,000. Benefit Level 1: HealthPartners Dental Clinics Benefit Level 2: Park Dental Clinics Benefit Level 3: More then 58,000 dentists throughout Minnesota and across the country

Your dental plan includes the following • 100 percent coverage for most preventive dental services • Sealants on the permanent molars covered for all ages, every three years • Coverage for dental implants • Little Partners program which covers most services, done by a network dentist for children age 12 and younger, at 100 percent. No deductibles, coinsurance OR annual limit. • If you are pregnant or have diabetes and are at risk for gum disease, you will get 100 percent coverage for extra exams and cleanings and more services aimed at keeping you healthy.

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Call 952-883-5000 to find a provider

Benefit Level 1 HealthPartners Dental Group

Benefit Level 2 Park Dental

Benefit Level 3 Remaining PPO Network

Out of Network

Annual Deductible Single Family

None None

None None

$25 $75

$50 $150

Annual Maximum Benefit

$2,000

$1,500

$1,000

$1,000

100%

100%

100%

80%

Basic 1 Services (amalgam fillings, simple extractions)

100%

100%

80%

50%

Basic 2 Services (Periodontics, other oral surgery)

100%

100%

80%

50%

Prosthetics

50%

50%

50%

50%

Dental Plan

Preventive, diagnostic care (routine exams and cleanings, xrays, sealants and two fluoride treatments up to age 19)

Orthodontics (no deductible) For dependents up to age 19

100% with $1,000 lifetime max

Finding a dentist To locate a dentist in your area, visit healthpartners.com and select the Find a doctor or specialist option. You’ll be able to search for dentists by name, clinic, city or zip code. You can also contact HealthPartners Member Services at 952-883-5000.

Newborn enrollment for dental plans If you are already enrolled in dental benefits, your newborn infant, including a newly adopted child, may be enrolled at any time before age 3, regardless of when the enrollment form is received effective the first of the month following notification. After age 3, enrollment is by qualifying event or the next annual enrollment only. Contact the HR Service Center of any change in eligibility of an enrolled dependent.

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Premiums for 2015 Premiums are deducted from your biweekly paycheck (24 times per year – the first and second check of each month).

Semi-Monthly Medical Premiums for 2015 Total Premium

NonContract, Operating engineers and Residents

AFSCME Service Workers

AFSCME Business Office Clerical

Pharmacist (PEPOM)*

Teamsters ADAP

HealthPartners First Plan Single

$ 308.88

$ 48.50

$ 46.25

$ 46.25

$ 42.50

$ 42.50

Family

$ 702.24

$ 142.50

$ 115.00

$ 115.00

$ 110.00

$ 115.00

HealthPartners Empower HRA Plan Single

$ 265.45

$ 23.50

$ 23.50

$ 23.50

$ 23.50

$ 23.50

Family

$ 597.23

$ 77.50

$ 77.50

$ 77.50

$ 77.50

$ 77.50

HealthPartners Empower HSA Plan Single

$243.47

$ 0.00

$ 0.00

$ 0.00

$ 0.00

$ 0.00

Family

$ 544.07

$ 36.00

$ 36.00

$ 36.00

$ 36.00

$ 36.00

Semi-Monthly Dental Premiums for 2015 Total Premium

NonContract, Operating engineers and Residents

AFSCME Service Workers

AFSCME Business Office Clerical

Pharmacist (PEPOM)*

Teamsters ADAP

Single

$ 16.37

$ 7.25

$ 7.25

$ 7.25

$ 7.50

$ 7.25

Family

$ 50.83

$ 22.25

$ 22.25

$ 22.25

$ 22.50

$ 22.25

*PEPOM rate effective through March 31, 2015 according to collective bargaining agreement.

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Flexible Spending Accounts HealthPartners, our flexible spending account administrator, offers one stop for both medical claims and flexible spending account information at www.healthpartners.com. A flexible spending account (FSA) is an account you put money in from each paycheck before taxes are taken out. You decide how much to put into your FSA up to an annual maximum. When you have an eligible expense, you simply pay yourself from your FSA. If you use all your FSA dollars, you’re responsible for paying any remaining expenses. There are three types of FSA accounts available: • General use Health care which can be used to pay for deductible, coinsurance, prescriptions, etc. Annual maximum of $2,500 • Limited use Health care which is for use only if you are enrolled in the HSA and can be used for dental and vision expenses only. Annual maximum of $2,500 • Dependent care or daycare which can be used to pay for daycare expenses. Annual maximum of $5,000 per household or $2,500 for married couples filing taxes separately. It is important to estimate and plan your FSA funds carefully, as you will lose any remaining funds in the dependent care or anything above $500 in the health care FSA at the end of the calendar year. Visit healthpartners.com for a full list of eligible health care expenses.

Benefits of an FSA • • • • •

Lower your taxes, save money – money you put into your FSA is tax-free. Control – you decide how much money to put into your FSA and how it is used. You do not have to be enrolled in the Regions Hospital medical or dental plan to participate. Under the health care FSA account, up to $500 can be rolled over to the next year. You can use the health care FSA to pay for eligible expenses for your spouse and dependent children even if they are not covered by your medical/dental plan.

How do I get reimbursed? If you are enrolled in a Regions Hospital medical/dental plan and the FSA plan, you will automatically be reimbursed from your FSA account for your medical/dental claims. You do not need to submit a claim form for medical/dental claims through your HealthPartners insurance. Note: Orthodontia claims must be submitted manually and will be reimbursed according to the treatment plan, rather than based on your payments for service. For all other claims (i.e. vision, daycare, etc.), a claim form is required. This form is available on myPartner or at www.healthpartners.com. Completed claim forms may be faxed or mailed directly to HealthPartners (information is on the form). After your claim is processed you will be reimbursed by check or direct deposit based on your standard payroll preference. 13

Disability Insurance – Income protection Disability insurance provides you with income protection if you are unable to work for a period of time due to a covered illness or injury. The Standard is Regions Hospital partner for disability coverage.

Short Term Disability Insurance If you are sick or injured and unable to work for up to 180 days, short term disability (STD) coverage may help. Regions Hospital offers you the opportunity to purchase coverage under two options: • The 1/8 day plan takes effect on the first day of an accident or the eighth day of an illness • The 30 day plan takes effect on the 30th day of an accident or illness You may choose one of the two plans. You select a monthly benefit in $250 increments up to the lesser of 66 2/3 of your gross monthly income or $3,000. Benefits may continue until you recover or up to 180 days maximum from the date of disability. Premiums are paid after tax; therefore, any benefit you receive from an STD claim is not considered taxable income. Benefits will not be paid if the injury/illness is for a workers’ compensation claim. Note: If you do not elect coverage during your initial eligibility period and wait to elect at a later time a waiting period penalty may apply.

Per pay check STD Rates for both plans (24 checks per year) Annual Benefit

Monthly Benefit

1/8 Day Plan

30 Day Plan

$3,000

$250

$3.36

$.97

$6,000

$500

$6.72

$1.93

$9,000

$750

$10.08

$2.90

$12,000

$1,000

$13.44

$3.86

$15,000

$1,250

$16.80

$4.83

$18,000

$1,500

$20.16

$5.79

$21,000

$1,750

$23.52

$6.76

$24,000

$2,000

$26.88

$7.72

$27,000

$2,250

$30.24

$8.68

$30,000

$2,500

$33.60

$9.65

$33,000

$2,750

$36.96

$10.62

$36,000

$3,000

$40.32

$11.58

Long Term Disability Insurance Regions Hospital provides long term disability (LTD) coverage at no cost to you. If you are disabled and can’t work for more then 180 days (six months), your LTD benefit pays up to 50 percent of your income, to a maximum of $7,000 per month. See the Certificate of Coverage on myPartner for more information. 14

Your Paid Time Off (PTO) Time away from work is something everyone needs and enjoys. Regions Hospital offers you paid time off (PTO). Regions provides PTO to non-union regular employees who work at least 40 hours during every two week pay period. The amount of PTO hours an employee builds up each pay period is determined by job title, length of service and the number of hours paid. The PTO schedule varies for different employee groups. You can find the current PTO schedules on myPartner. Regions Hospital PTO hours are put into two separate banks, non-tradable and tradable PTO. Non-tradable PTO hours are used first, when those are exhausted tradable PTO hours will be used.

Non-tradable PTO The larger portion of your earned hours goes into a non-tradable PTO bank each pay period. Any PTO used is taken out of the non-tradable PTO bank first. The maximum number of non-tradable PTO hours you may bank can be found on the PTO schedules on myPartner.

Tradable PTO The second bank of hours is called tradable PTO which is up to 64 hours (eight days) of PTO depending on your FTE status. You can direct how you receive pay for these hours. Tradable PTO hours may be built up and used as time off after you exhaust other time off hours (such as nontradable PTO hours). Any unused tradable PTO hours you have remaining at the end of the year are paid to you in a lump sum (at your pay rate on Oct. 1 of the prior year). Or, during annual enrollment, you can choose to sell these hours back to Regions Hospital with payments to you on the first and second pay check of each month (also at your pay rate on Oct. 1 of the prior year). Note that tradable PTO cannot be carried over from year to year per IRS guidelines.

Regularly scheduled hours per two week pay period

Tradable hours (days) you can sell

80 hours

Up to 64 hours (8 days)

60-79 hours

Up to 48 hours (6 days)

40-59 hours

Up to 32 hours (4 days)

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Life Insurance Life insurance protects you and your family if you die or a covered family member dies. Regions offers the following which may differ by employee group or union: • Employee basic life insurance – paid by Regions Hospital • Additional optional coverage – paid by the employee: • Employee optional life insurance • Employee accidental death and dismemberment (AD&D) – if elected applies to both basic and optional life insurance • Spouse or domestic partner life insurance • Spouse or domestic partner AD&D – if elected for employee coverage applies for spouse • Child Life Insurance

Basic Life Insurance As a benefits-eligible employee, Regions Hospital provides you with basic group term life insurance at no cost to you. The benefit amount depends on which employee group or union you are a part of: • Non-contract employees are provided basic life equal to your annual salary rounded to the closest $1,000 up to a maximum of $400,000. • Operating engineers, ADAP and pharmacists are provided basic life equal to your annual salary rounded to the closest $1,000 up to a maximum of $100,000. • AFSCME Service Workers and Business office clerical union employees are provided a benefit equal to your annual salary rounded to the closest $1,000 up to a maximum of $50,000. • Residents are provided a benefit equal to your annual salary rounded to the closest $1,000 up to a maximum of $50,000.

Optional Life Insurance Coverage All benefits-eligible employees may choose optional life insurance and AD&D coverage for the employee and for his/her spouse or domestic partner and their dependent children. AD&D insurance provides a benefit if you have certain injuries or die because of a covered accident. The chart on the next page shows the coverage available and the rate chart will help you to calculate your cost.

Evidence of Insurability Evidence of insurability may apply for you or your family member for some amounts of life insurance. You will receive notification directly from Minnesota Life if you are required to complete this process.

Is your life insurance beneficiary up to date? To check log on to www.lifebenefits.com 16

Coverage

Choice

Cost

Employee Optional Life Insurance

Maximum is whichever is more of two options: 1. $300,000 in $20,000 increments or 2. Five times your annual salary to the nearest $20,000 up to $500,000.

Based on your age and amount of coverage chosen (See Rate Chart Below).

Spouse or Domestic Partner Life Insurance

In multiples of $10,000 up to $250,000.

Based on the employee’s age and the amount of spouse or domestic partner coverage chosen.

Accidental Death and Dismemberment (AD&D)

Can be added to the basic, optional and spouse coverage. If selected for one it is applied to all.

$.02 per $1,000 of coverage.

Child Life Insurance

$10,000 for each child from birth up to age 26.

$1 per month covers all eligible dependents.

Life Insurance Rates Monthly rates for each $1,000 of coverage for optional life insurance with and without AD&D are listed below. Rates for employee and spouse or domestic partner are based on the employee’s age as of Jan. 1, 2015 and the amount of coverage elected.

Rates per $1,000 coverage per month Employee Age

Life Only

Life with AD&D

Under 30

$.03

$.05

30-34

$.04

$.06

35-39

$.05

$.07

40-44

$.07

$.09

45-49

$.11

$.13

50-54

$.19

$.21

55-59

$.30

$.32

60-64

$.46

$.48

65-69

$.81

$.83

70+

$1.47

$1.49

Calculation Example: An employee who is 37 selects $50,000 in coverage for themselves and $10,000 for spouse and coverage for dependent children. Employee coverage = 50 * .05 = $2.50 Spouse coverage = 10 * .05 = $.50 Child coverage = $1 Monthly Life Insurance premium = $4.00

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Retirement Benefits The Principal Financial Group is our retirement plan service provider for Regions Hospital 403(b) and 401(a) Retirement Savings Plus Plan. The 403(b) account is for all employee contributions to the plan. The 401(a) account is for all employer contributions, Employer Match and the annual Retirement Savings Plus plan allocation (RSP).

Regions Hospital 403(b) Plan The Regions Hospital 403(b) plan is a pre-tax, tax deferred retirement savings program. All fulltime, part-time, casual and temporary employees are eligible to participate. You can enroll at any time. You set the amount (flat dollar or percentage) you want to contribute and can change this amount at any time. All employee contributions are vested immediately. 403(b) 2015 Contribution Limits Contribution Limit

$18,000

Catch Up (Age 50 and Older)

$6,000

How do I enroll?

Don’t forget to designate a beneficiary online at www.principal.com

You can enroll by: • Going online through The Principal at www.principal.com • Calling Principal at 1-800-547-7754 • Scheduling a one on one meeting with a Principal Retire Secure representative at Regions Hospital through myPartner

Regions Hospital 401(a) Retirement Savings Plus Plan You are automatically enrolled into the Retirement Savings Plus Plan after meeting the below requirements: • You finish one year of employment • You work at least 1,000 hours during one year of employment, and • You are at least 21 years of age You are enrolled in the plan on the first day of the month after meeting the above requirements if you meet these within your first year of service. If you do not meet the hours requirement in your first year, you will be enrolled Jan. 1 of the year following, once you meet the hours requirement.

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Employer Contributions There are two types of employer contributions to the plan: • Annual Retirement Savings Plus plan allocation: Regions will contribute 4 percent of your total pre-tax earnings every year that you work at least 1,000 hours. You are vested in these contributions once you have worked at least 1,000 for three (3) years. • Employer Matching Contribution: Once you have qualified for participation in the 401(a) plan, employees who participate in the 403(b) plan will receive a matching contribution of 50 percent up to the first 4 percent of deferral (maximum of 2 percent of your total compensation). You are 100 percent vested in all matching contributions.

Additional Benefits Benefit

Description

Employee Assistance Program

Free services such as referrals for daycare or elder care, financial calculators, legal and marital issues. Many online tools available. Call 1-866-326-7194 or go online at www.hpeap.com (User ID: HealthPartners Password: regions)

Fitness Center

Group exercise classes, cardio room, activity room with DVD player and exercise DVD’s and weights. Personal fitness coaching available for a fee.

Frequent Fitness Program

All Regions employees regardless of participation in the medical plans are eligible. If you are a member at a participating fitness club, and work out 12 times per month, you and your spouse or domestic partner can receive a $20 discount, per person (2 max) for each qualifying month.

Health and Wellness Clinic

Located in Regions Hospital. Treats minor illnesses and injuries as well as preventive screening and annual appointments/physicals. The clinic is free for employees except those on the HSA plan who have not met their deductible. The Health and Wellness clinic cost is comparable to a retail clinic. Call 952-967-7481 for an appointment.

Long Term Care

Long Term Care (LTC) is care that you need if you can no longer perform everyday tasks by yourself due to chronic illness, injury, disability or the aging process. LTC insurance provides coverage for LTC services provided in different settings. Many people elect to buy LTD so they will not need to deplete their savings if they need LTC services. This coverage is available to you, your spouse, parents, parents in law and grandparents. If you are interested contact the HR Service Center to request an LTC packet or go online to https://www.ltcbenefits.com password: munipool.

MERSC – Employee Discounts

As an employee of Regions Hospital, you have access to MERSC which offers discounts, coupons and tickets to many things including hotels, amusement parks, car rental, etc. For a full listing go to mersc.org.

Tuition Reimbursement

Benefits-eligible employees who have completed 6 months of service may be eligible to receive up to $2,000 a year for eligible tuition expenses. Refer to myPartner for more information.

Social Club

The Regions Hospital Social Club offers discounts on sporting events, theatrical performances, Valley Fair, museums, and much more. Cost is deducted from your paycheck annually. Refer to myPartner for more information.

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Where can I find help? For Question on…

Contact

Phone Number

Online

Medical, pharmacy, FSA

HealthPartners

952-883-5000

www.HealthPartners.com

HSA Account

Wells Fargo

1-866-884-7374

www.wellsfargo.com/hsa

Dental

HealthPartners

952-883-5000

www.HealthPartners.com

Life Insurance

Minnesota Life

1-877-282-1752

www.lifebenefits.com

Short or Long Term Disability

The Standard

General Information 1-800-368-2859 Disability Claims 1-800-378-2395

www.standard.com

Retirement Benefit Plans

The Principal Financial Group

1-800-547-7754

www.principal.com

General questions and HR

HR Service Center

651-254-4700

Email: RegionsHRDirect@ HealthPartners.com

Electronic Access to My Information myPartner myPartner is your comprehensive website for employee information. Click on the link to Employee Self Service (ESS) from the Quick Links tab. This is where you can find personal, work and pay information for yourself. You can also change your address, direct deposit and emergency contact. myInfo (Access to ESS and myTime offsite) Use the myInfo employee portal to access certain applications like Employee Self Service (ESS) or myTime when you are not at work. Here is how: Go to myPartner/Tools & Services/Computer & Systems/myInfo password set up.

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Your information. Your rights. Our Responsibilities Notice of Privacy Practices for Regions Hospital Group Health Plans This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully. Effective May 15, 2014

Summary Our mission is to improve health and well-being in partnership with our members, patients and community. We want you to feel supported and informed in your care and coverage. This includes explaining how we use and manage your information, and your rights and choices related to that information. This notice applies to self-insured group health plans sponsored by Regions Hospital as your employer and to administrative services provided for the plan by HealthPartners Administrators. Privacy is a complicated subject. We know it can be confusing, especially as different state and federal laws come into play. We honor the trust you place in us by choosing us for your treatment, care, and coverage. We hope this summary of your rights and choices, and our responsibilities for how we use and share your information, helps you understand how we follow the law and honor your trust. Your information In this notice, when we use “your information” we’re referring to information that identifies you, as a current or former health plan member, and relates to your health or condition, your health care services, payment, or coverage for those services. It includes claims and coverage information, and health information, like diagnosis and services you received. It includes demographic information like your name, address, phone number and date of birth. It includes information that comes from you or results from you doing business with us, our affiliates or others, such as enrollment, prior approvals, referrals, coverage determinations, claims and payment information.

Your rights as a health plan member When it comes to your information and privacy, you have important rights under state and federal law. This section explains those rights. Ask us about them and we’ll explain the process, including if you need to put your request in writing.

You have the right to: Get an electronic or paper copy of your information •

You can ask to see or get an electronic or paper copy of your information.

•

We’ll provide a copy or a summary of your information as quickly as possible.

•

If there are records that we can’t share or if we limit access, we’ll help you understand why.

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Ask us to correct your information •

You can ask us to correct your information if you tell us why you think it’s incorrect or incomplete.

•

We may say “no” to your request, but we’ll tell you why in writing as quickly as possible. In that case, you can ask us to keep a copy of your disagreement (a written statement you provide to us) with your records.

Ask us to limit what we use or share •

You can ask us not to use or share your information. We’ll always consider your request, but we may say no if it would affect our ability to provide care or service to you, or if we are unable to make the change in our systems.

Request confidential communications •

You can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address.

•

We’ll do our best to meet your needs. We must agree to your request, if you tell us you would be in danger if we do not.

Get a list of who has received your information •

You can ask for a list (an “accounting”) of the times we’ve shared your information with outside organizations or individuals, who we Shared it with, and why.

•

We’ll include all the times we’ve shared your information, except for when it was about your treatment, payment for your treatment or health care operations, and certain other times when we’ve released your information (such as if you asked us to share it and releases we’ve already told you about).

Get a copy of this notice •

You can ask for a paper copy of this notice at any time. We’ll provide it right away.

•

This notice is also available online at myPartner.

File a complaint if you feel your privacy rights have been violated •

You can complain directly to us if you feel we’ve violated your privacy rights by contacting us using the information on the last page of this notice.

•

You can also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights. Find contact information at www.hhs.gov/ocr/privacy/hipaa/complaints/.

•

We won’t act against you for making a complaint.

Your choices In some situations, you have additional choices about how we use and share your information. If you have a preference in the situations described below, let us know. Tell us what you want us to do, and we’ll follow your instructions while following the law. You can tell us not to: •

Share your information with your family, close friends, or others involved in your care or payment for your care.

•

Contact you to raise money to support our mission.

•

Share your information with others for health research. (We can still use your information for our own research as long as we follow the law.)

•

Share your information with market researchers that we contract with but are not affiliated with us. If you want to opt out, you can fill out the form on healthpartners.com, or by calling Member Services at 952-883-5000, or toll-free at 800-883-2177, or TTY at 952-8835127. You could still be contacted directly by HealthPartners or its affiliates for market research; or by others, if we are required by law or for accreditation purposes to conduct member satisfaction or quality surveys.

We must get your written permission before we: •

Use or share your information to market another organization’s products or services

•

Use or share your information to market our own products or services, if another organization is paying us to do it or if the products or services are not health-related.

•

Sell or rent your information to another organization.

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