2017 PRMC Employee Benefits Booklet

B e n e f i t s At A G l a n c e
2 0 1 7
M i s s i o n : P r a t t R e g i o n al M e d i c a l C ent e r p r o vi d es e x c e ll e n t a n d c o m p as s io n a t e
h e a l t h c a r e s e rv i c es .
V i s i o n : P r a t t R e g io n a l M e d i c a l Cen t er wi l l b e e ss e n t ial t o t h e h e a l t h , we l l n e ss
a n d q u a li t y o f l if e in o u r r eg i on .
Va l u a b l e I n f o r m a t i o n a t y o u r f i n g e r t i p s . . .
In this “Benets at a Glance” you will nd an overview of each plan available during your enrollment. This is not intended to give you complete
knowledge of each policy, but to give you some informaon that might help you decide which opons may be of
interest to you. There are dierent levels of coverage available and opons to cover yourself, your spouse, and/or
your eligible dependents.
This year we are taking a team approach to the enrollment process using the folks from Star Robbins for the voluntary
benet enrollment and
Midwest Benet Resources (MBR) for health, dental and life insurance products.
Our desire is to educate employees on available benets and enroll our employees in the products that will work best for their personal needs.
MBR is available throughout the year to meet with newly hired employees to explain benets and enroll them in the products of their choice.
MBR is located in Pra, making it convenient for employees to stop by their oce and meet in a private seng to go over their benet needs.
Employees are also invited to stop by the MBR oce at their convenience.
Midwest Benet Resources
105 West Second St.
Brenda Johnston
620.508.6292
e-mail: Brenda-mbr@cox.net
Pra Regional Medical Center works to provide our employees with meaningful benet opons. Being Simply the Best
includes all facets of our organizaon including our benet programs.
In 2017 there will be a few changes and improvements in your employee benet plan opons. We enter our second
year with our partner Benets Management Inc., as third party administrator (TPA). With BMI employees have come
to appreciate the aenon to their personal needs .
Aetna will underwrite our life insurance program for employees as in 2016. There is no change of your PRMC life
insurance plan. Employees may also purchase addional coverage at very reasonable rates which also includes family
coverage. Aetna also will oer some products such as Short Term Disability which might be of interest to employees
so please take a look at their program oerings.
Trustmark will connue to provide coverage for Universal Life with Long Term Care Rider, Crical Illness, and Accident
Protecon. As we did last year, we are happy to connue with our enrollment partner, Star Robbins & Company. Star
Robbins benet educators will be on site the for enrollment during the rst week of December to provide guidance and
support during your enrollment.
A new feature to our benets line up for 2017 is a cancer insurance carrier, Allstate.
Midwest Benet Resources sta will assist each employee with enrollment to make sure the benet programs oered
meet your needs. Brenda Johnston of MBR has earned the reputaon of being a great employee advocate and making
sure your enrollment is exactly what you and your family desire.
This year, we have connued the voluntary opons to include: air ambulance transport coverage, Long Term Disability,
Vision Care (two opons) and Legal Shield.
As you will see, some of our new plans come with enhanced coverage and some with the same or similar protecon,
but at an aordable cost to you. We are happy to connue a benet for PRMC insured employees and families who
take advantage of services provided at PRMC. This Core benet oers a y percent (50%) reducon in the deducble
on both the single and family plans. You will want to review this plan change on page 6 of this booklet. Our benet
oerings are designed to be exible and aordable for your family’s needs.
P r at t R e g i o n a l M e d i c a l C e n t e r
V a l u e o f V o l un t a r y B e n e f i t s
Voluntary benets are available on a payroll deducon which provides excellent pricing. New employees
hired during the 2017 plan year will be oered benets “guaranteed issue”. This means, regardless of
previously diagnosed health condions, employees hired aer January 2017 will be able to parcipate.
Pre-exisng condions will have a 12/12 provision.
Voluntary benet opons include Accident Assistance, Crical Illness with Cancer Coverage, and a
Universal Life with Long Term Care Rider. More details about these new oerings will follow in the pages
of this guide. Be sure and review them carefully. Benet consultants from MBR and SRC will walk
through the changes you wish to make in your benet selecon and enroll you directly into the system.
Your benet educators will be able to make sure you understand your opons so you may make
informed decisions.
Trustmark will be the primary benet carrier oered through payroll deducon.
E le c t r o n ic E n r o l l m e n t S y s t em
PRMC uses an electronic benet enrollment system for some voluntary benet products. Benet consultants from SRC will walk
through the changes you wish to make in your benet selecon and enroll you directly into the system. We also have benet
educators to help walk you through the changes as well as help educate
everyone on the benets available.
E n r o l l m e n t P r o c e s s
Enrollment begins on November 30th (following our benet fair on
November 29th & 30th ), and will run through the week. Please make sure
you are aware of the dates our educators are on site and make every
eort to aend a session early in the process so we will have ample me
for everyone. The enrollment process is scheduled to begin at 12:00 Noon
on November 30th and connues through December 2nd, you need to
schedule your appointment by going to: hps://prmc.youcanbook.me/
The Password is: PRMC
Thanks in advance for your cooperaon during this important enrollment session.
I M P O R T A N T E N R O L L M E N T
I N F O R M A T I O N
Based on your schedule, you will be asked to
select a specic me to speak with an educator.
W e s t r o n g l y e n c o u ra g e y ou t o
r e v i e w t h i s b r o c h ur e i n a d v a n c e o f
m e e t in g w i t h yo u r b e n e f i t
e d u c at o r t o e xp l o re t h e b e s t
b e n e f i t s f or y o u a n d y o u r f a mi l y
i n 2 01 7 .
T o sc h e d u l e y o u r a p p o i n t m e n t y o u m u s t
l o g o n t o https://prmc.youcanbook.me/
P a s s w o r d i s : P R M C .
Benefits You Can Count on for You
and Your Family
“A Healthy Future” means having the right coverage when you need
it; giving you peace
of mind as you face life events that can impact your family and your
nancial security.”
B e n e f i t A d v i c e a n d G u i d a n c e a t Wo r k
P a r t n e r s h i p s b e t w e e n p e o p l e i n n e e d a n d p e o p l e w h o c a r e
A p e r s o n a l a p p r o a c h t o b e n e f i t s !
The Star Robbins TEAM Mission
We bring ongoing, simple instruction to the workplace in order to help make benefits easy to understand
so individuals can make good decisions. In major catastrophes, we offer a listening ear and we give
guidance about life-changing insurance plans to help protect a secure financial future.
PRMC is happy to once again have the assistance of Star Robbins & Company as the benet educators to help with this year's
enrollment process. Educators will work with each employee to provide one on one enrollment educaon and guidance, which will
make it easier to beer understand your benets. Enrollment begins aer the benet fair on November 30th at noon through
December 2nd .
We have worked closely with the Star Robbins team to provide individualized benet understanding we feel may be helpful during
this decision making process. Because there are changes in coverage and changes in process, PRMC thought having someone
explain the current benets and what the changes will be would be helpful to all employees.
A l l PR MC em p l oy ee s w i l l ne e d t o m e e t w i th an e du c a t o r w h il e th e y a r e a t o u r f ac i l i t i e s .
The team of educators working with PRMC are well trained on our benets and will be able to assist employees during this
important decision making process. The Star Robbins team are salaried benet educators who will be able to share with
employees the value of both EMPLOYER SUBSIDIZED and VOLUNTARY oerings through PRMC. They will help each person select
the coverage they need based on their individual circumstance.
T o s c h e d u l e y o u r a p p o i n t m e n t y o u m a y l o g o n t o https://prmc.youcanbook.me/ P a s s w o r d i s P R M C .
Importance of Guaranteed Issue if you were hired in 2016 and Simplied Issue if you were hired previously
condions can cause coverage to be
charged extra premium or be denied
altogether.
If you were hired in 2016, these special
PRMC products are being oered to you
on a guaranteed issue basis. New Hires
can obtain coverage without medical
quesons. A 12/12 does apply.
If you are not a new hire, these plans are
sll available on a simplied issue basis
with limited medical quesons. The
special plans and costs are a great deal
for PRMC employees.
What does guaranteed issue really mean?
Have you ever been turned down for
coverage or perhaps know someone who
could not qualify for the coverage they
wanted? Insurance companies go
through an underwring process to
determine who is and who is not eligible
for coverage based on your current
health. People who have been diagnosed
with a serious illness such as cancer,
heart aack, diabetes, or a stroke are
oen declined coverage. Even family
history, weight issues, blood pressure,
sleep apnea, and a host of other
Plans available on a guaranteed or
simplied issue basis include:
Universal Life with Long Term Care
Accident Assistance
Crical Illness with Cancer included
If you or your family have a
history of medical condions,
don’t miss this special
opportunity!
People oen think about their benets, especially during
enrollment. The rst thing that usually comes to mind is
Medical Coverage. Your core benets are the rst step in
securing a healthy and sound nancial future.
Voluntary benets are designed to help cover out of pocket
costs associated with medical care. These special plans are
designed to pay directly to you in order to help cover regular
bills such as mortgages, car payments and even groceries.
Careful consideraon and research was done to make sure the
PRMC voluntary opons would enhance Employer Subsidized
coverage and provide employees a way to gain valuable
protecon to wrap around your health coverage.
These special policies provide needed nancial support during
unexpected life events which impact the ability to earn a
paycheck. Voluntary benets are designed to help you stay
caught up with everyday bills during medical events so you can
W h y s h o u l d I c o n s i d e r Vo l u n t a r y B e n e f i t O p t i o n s ?
Va l u e o f B e n e f i t A d v i c e a n d G u i d a n c e a t Wo r k
focus on geng well. Ask yourself a simple queson,
“If you or your spouse were unable to earn a
paycheck, what impact would it have on your
nancial security and peace of mind?”
Today, many things are changing in the area of employee
benets. Trying to stay up with the mes can oen be a
daunng task. Having a full understanding of one’s employer
subsidized and voluntary benet package is more important
than ever.
Trained benet educators available to help you understand the
dierence between the many types of coverage available can
be very valuable in helping you protect what maers most,
your family and your nancial security and stability!
Our Midwest Benet Resources team will be able to help you
take a look at your overall coverage so you may make
informed decisions about what benets best meet your
individual needs.
W h o i s E l i g i b l e ?
You are eligible for all of the benet opons oered through the
PRMC plan if you are an acve, full-me employee of PRMC
regularly assigned to work at least 60 hours per pay period, or
are an acve part-me employee regularly assigned to work at
least 16 hours per pay period.
Dependent Eligibility
Several of the benet opons oer coverage for your eligible
dependents, which may include:
Your spouse. Refer to the plan documents for Noce of
Availability of Coverage For Civil Union Partners for more details
on the requirements.
Your children.
Your children under the age of 26 for medical, dental and vision
coverage, regardless of marital, residenal or full-me student
status.
Your unmarried children to age 26 for dependent life insurance.
Your unmarried children to age 26 for dependent AD&D
insurance.
In general, children include your natural children, legally
adopted children, children for whom you are the legal guardian,
step-children, and children who have been placed in your home
in ancipaon of adopon.
An unmarried Child who is a Dependent and who reaches the
Plan’s liming age for Dependent Children while covered under
this Plan will remain eligible for coverage to the extent he is at
that me incapable of self-sustaining employment and is
dependent upon you for support due to a mental or physical
illness or disability. He will remain eligible for coverage under
this provision to the extent you remain eligible for Dependent
coverage and he remains incapable of self-sustaining
employment and dependent upon you for support due to the
disability. Nocaon of incapacitaon must be provided within
thirty-one (31) days aer the Child aains age 26. Proof of
incapacitaon may be required to determine whether or not the
Child qualies as disabled and may be required on an annual
basis.
Children does not include grandchildren, however, the new
Universal Life may be elected for your grandchildren. Foster
children are only eligible for dependent life and AD&D coverage.
If both you and your spouse are eligible employees, only one of
you may cover a dependent child. In addion, you may not be
enrolled as both an employee and as a dependent at the same
This enrollment guide gives you a general descripon of your PRMC benets. Not all specic details are included. Instead, we have
tried to keep this guide short, simple, and easy to understand. If a conict arises between this summary and the actual plan docu-
ments (including insurance contracts), the plan documents will govern. Nothing in this guide may be construed as a contract of
employment. This guide constutes a Summary of Material Modicaons to the Summary Plan Descripons with respect to any
plan changes. Keep this booklet in a safe place for future reference.
G R A N D FAT H E R E D S TAT U S D I S C L O S U R E
This Pra Regional Medical Center Employee Healthcare Plan believes this Plan is a “grandfathered health plan” under the Paent
Protecon and Aordable Care Act (the Aordable Care Act). As permied by the Aordable Care Act, a grandfathered health
plan can preserve certain basic health coverage that was already in eect when that law was enacted. Being a grandfathered
health plan means that this Plan may not include certain consumer protecons of the Aordable Care Act that apply to other
plans; an example is the requirement for the provision of prevenve health services without any cost sharing. However, grandfa-
thered health plans must comply with certain other consumer protecons in the Aordable Care Act; an example is the elimina-
on of lifeme limits on essenal benets. Quesons regarding which protecons apply and which protecons 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: Pra Regional Medical Center; 200 Commodore; Pra, KS 67124. Phone: (620) 672-7451
You may also contact the Employee Benets Security Administraon, U.S. Department of Labor at 1-866-444-3272 or
www.dol.gov/ebsa/healthreform. This website has a table summarizing which protecons do and do not apply to
grandfathered health plans.
P R M C G r o u p H e a l t h P l a n
Calendar Year Deducble (Single/Family) Premium Standard Basic
Core PRMC Network $240/$720 $360/$900 $600/$1,800
In-Network $480/$1,440 $720/$1,800 $1,200/$3,600
Out-of-Network $960/$2,880 $1,200/$3,600 $1,440/$3,840
Out-of-Pocket Maximum In Network (Single/
Family)-Includes deducble, out-of-pocket maxi-
mums do not cross apply with out-of-network
charges.
Core PRMC Network $2,400/$7,200 $3,000/$9,000 $3,600/$10,800
In-Network $2,400/$7,200 $3,000/$9,000 $3,600/$10,800
Out-of-Network Unlimited Unlimited Unlimited
Co-Insurance Percentage
Core PRMC Network 80%/20% 80%/20% 70%/30%
In-Network 80%/20% 80%/20% 70%/30%
Out-of-Network 50%/50% 50%/50% 50%/50%
Physician Benets
(Includes Primary Care Oce Visits, Specialist
Oce Visits and Walk-in Retail Health Clinics)
Core PRMC Network
$20 member co-pay for the rst
$250 per visit, then plan pays 80%
aer deducble 80% aer deducble 70% aer deducble
In Network
$20 member co-pay for the rst
$250 per visit, then plan pays 80%
aer deducble 80% aer deducble 70% aer deducble
Out-of-Network 50% aer deducble 50% aer deducble 50% aer deducble
Outpaent Services
PRMC Core Network 80% aer deducble 80% aer deducble 70% aer deducble
In-Network 80% aer deducble 80% aer deducble 70% aer deducble
Out-of-Network 50% aer deducble 50% aer deducble 50% aer deducble
Inpaent Hospital Professional Services
PRMC Core Network 80% aer deducble 80% aer deducble 70% aer deducble
In-Network 80% aer deducble 80% aer deducble 70% aer deducble
Out-of-Network
Parcipant pays $1,000 co-pay and
50% aer deducble
Parcipant pays $1,000 co-pay
and 50% aer deducble
Parcipant pays $1,000 co-pay and
50% aer deducble
Emergency Room Visit
PRMC Core Network 80% aer PPO Network deducble
80% aer PPO Network de-
ducble 70% aer PPO Network deducble
In Network 80% aer PPO Network deducble
80% aer PPO Network de-
ducble 70% aer PPO Network deducble
Out-of-Network 80% aer PPO Network deducble
80% aer PPO Network de-
ducble 70% aer PPO Network deducble
Ambulance (when medically necessary) 80% aer PPO Network deducble
80% aer PPO Network de-
ducble 80% aer PPO Network deducble
Air Ambulance (when medically necessary) 80% aer PPO Network deducble
80% aer PPO Network de-
ducble 80% aer PPO Network deducble
Preventave Care Services (as dened by ACA)
Premium Standard Basic
Core PRMC Network (PRMC, PRMC Owned Clinics,
and Pra Family Pracce) 100% Deducble Waived 100% Deducble Waived 100% Deducble Waived
In Network
(Roune Annual Physicals - excludes school or work
physicals)
For the rst $300 per Benet Year
Parcipant pays $20 co-pay and plan
pays dierence. Services in excess
of $300 per Benet Year are subject
to deducble and co-insurance.
For the rst $300 per Benet Year
Parcipant pays $20 co-pay and
plan pays dierence. Services in
excess of $300 per Benet Year are
subject to deducble and co-
insurance.
For the rst $300 per Benet
Year Parcipant pays $20 co-pay
and plan pays dierence. Ser-
vices in excess of $300 per Bene-
t Year are subject to deducble
and co-insurance.
Out-of-Network
50% aer deducble 50% aer deducble 50% aer deducble
Well Newborn Nursery Care
PRMC Core Network
80% aer deducble 80% aer deducble 70% aer deducble
In Network
80% aer deducble 80% aer deducble 70% aer deducble
Out-of-Network
Parcipant pays $1,000 co-pay and
50% aer deducble
Parcipant pays $1,000 co-pay and
50% aer deducble
Parcipant pays $1,000 co-pay
and 50% aer deducble
Immunizaons
CORE PRMC Network
100% Deducble Waived 100% Deducble Waived 100% Deducble Waived
In Network (Roune Annual Physicals -
excludes school or work physicals)
100% Deducble Waived 100% Deducble Waived 100% Deducble Waived
Out-of-Network 50% aer deducble 50% aer deducble 50% aer deducble
Maternity
Prenatal and Postnatal Oce Visits (Co-pay covers only
the oce visit component. Co-pay excludes such ser-
vices as lab, sonograms, etc.)
PRMC Core Network
Parcipant pays $150 co-pay per
Pregnancy. Plan pays the dierence.
Based on type of service and place
of service
Based on type of service and
place of service
In Network
Parcipant pays $150 co-pay per
Pregnancy. Plan pays the dierence.
Based on type of service and place
of service
Based on type of service and
place of service
Out-of-Network
50% aer dedcble
Based on type of service and place
of service
Based on type of service and
place of service
Delivery and Inpaent Stays
PRMC Core Network
80% aer deducble
Based on type of service and place
of service
Based on type of service and
place of service
In Network
80% aer deducble
Based on type of service and place
of service
Based on type of service and
place of service
Out-of-Network
Parcipant pays $1,000 co-pay and
50% aer deducble
Based on type of service and place
of service
Based on type of service and
place of service
All other services related to Pregnancy (all Networks)
Based on type of service and place
of service
Based on type of service and place
of service
Based on type of service and
place of service
P R M C G r o u p H e a l t h P l a n
P r e s c r i p t i o n D r u g P l a n
Prescripon coverage will connue through MedTrak
MedTrak contracts with over 60,000 pharmacies across the naon to assist you with your prescripon needs. With our Preferred
and Performance 90 Pharmacy Networks, you can obtain acute and maintenance medicaons at any contracted retail pharmacy. To
nd out if a pharmacy is in our network, please visit our website at www.medtrakservices.com or call the MedTrak Help Desk
at 800.771.4648. Our Pharmacy Benet Advisors are available from 8 a.m. to 9 p.m. Monday through Friday and 9 a.m. to 6 p.m. on
Saturday to assist you with any quesons regarding our pharmacy network, your medicaons, plan coverage and more.
MedTrak also provides many online tools to help you understand and manage your prescripon benets. Upon registering on our
website, www.medtrakservices.com, you will have access to the following tools:
Rx Price Finder – Look up costs of current or future medicaons
Rx Claims History – View and print claims history
eScriptChoice– Search for lower-cosng alternaves with plan costs and copay amounts
Pharmacy Locator – Search among 60,000 pharmacies that parcipate in the Medtrak Preferred or Performance 90 Pharmacy
Networks
Access Important Documents – View summary informaon regarding your Plan’s prescripon benets, claim forms, preferred drug
lists, MedTrak’sHealthWise Member newsleer, temporary ID cards and more.
P ar t i c i p a t i n g P h ar m a c y : R e t ai l P er f or m a n c e 9 0
M a x i m u m D a y S u p p l y A l l o w e d : 30 90
G e n e r i c C o p a y : $10 $30
B r a n d C o pa y : $50 $150
S p e c i a l t y M e d i c a t i o n Co p a y :
1 0 % o f t h e c o s t u p t o a $ 1 , 5 0 0 a n n u a l i n d i v i d u a l Ou t - of- P o c k e t
M a x i m u m w i t h a m a x i m u m 3 0 d a y s u p p l y a l lo w e d p e r f i l l
Benefit Consultant
Midwest Benefit
Resources
1-620-508-6292
Brenda-mbr@cox.net
Health & Flex Spending Acct.
Benefit Management
Inc.
1-800-290-1368
P R M C G r o u p H e a l t h P l a n
We l l n e s s a n d P h y s i c a l F i t n e s s
Everyone needs at least some amount of physical acvity to stay healthy. Regular exercise can increase metabolism,
boost energy and improve sleep. For some people, physical acvity is already a part of daily life or work. For others, be-
ing acve requires extra eort. Personal tness can be approached in a myriad of ways, and there is no universal system
that works for everyone. To make things more challenging, the sheer amount of tness informaon and advice available
can be a discouraging barrier.
What exactly does “being t” mean anyway? How should you go about creang a workout roune, and what are some
of the best workout acvies? Should you join a gym or work out at home? Ready to get started? PRMC has partnered
with Blythe Family Fitness to make the choice to begin a tness regime a lile easier and for as lile as $19.99 a
month. For more informaon, stop by the Blythe Family Fitness table.
D e n t a l & V i s i o n
D e s c r i p t i o n P r e m i u m S t a n d a r d B a s i c
C a l e n d a r Y e a r D e d u c t i b l e
$25 Single $50 Single $50 Single
$75 Family $150 Family $150 Family
C a l e n d a r Y e a r M a x i m u m $1,500 $1,000 $500
P r e v e n t iv e S e r v i c e s O r a l e x a m ,
b i t e - w i n g x - r a y s , d e n t a l
p r o p h y l a x i s
100% 80% 50%
B a s i c S e r v i c e s 80% aer deducble 80% aer deducble 50% aer deducble
M a j o r S e r v i c e s 50% aer deducble 50% aer deducble No Coverage
O r t h o d on t i c s No coverage No coverage No coverage
B e n e f i t s
E x a m & M a t er i a l s C o p a y $25 Total Copay
F r e q u e n c y E x a m
Exam, Lenses & Frames Every 12 months
Contacts (in lieu of glasses) Every 12 months
P l a n F e a t u r e s
Exam Covered in full (less copay)
Lenses Covered in full (less copay)
Glass or Plasc, sv or mf
L e n s e O p t i o n s All cost controlled
Polycarbonate for children covered
F r a m e $125 allowance, 20% discount on overage
E l e c t i v e C o n t a c t L e n s e s $125 allowance
Addional Pairs of Glasses or Contacts Not Applicable
B e n e f i t s G o l d C o m p le t e
G o l d M a t e r ia l s
O n l y
E x a m O n l y
E x a m C o p ay $15 Total Copay N/A $15 Total Copay
M a t e r i a l s C o p a y $15 Total Copay $15 Total Copay N/A
(Lenses and Frame)
E x a m Every 12 months N/A Every 12 months
L e n s e s Every 12 months Every 12 months N/A
F r a m e s Every 12 months Every 12 months N/A
C o n t a c t s (in lieu of glasses) Every 12 months Every 12 months N/A
Exam Covered in full (less copay) Covered in full (less copay)
Covered in full (less
copay)
Lenses Covered in full (less copay) Covered in full (less copay) N/A
Glass or Plasc, CR-39 lens Glass or Plasc, CR-39 lens N/A
Lens Opon
Single vision, bifocal, trifo-
cal (FT25-28 or lencular)
Single vision, bifocal, trifocal
(FT25-28 or lencular)
N/A
Progressive Lens
Allowance equal to retail
price of standard trifocal
Allowance equal to retail
price of standard trifocal
N/A
Frame $130 allowance $130 allowance N/A
Elecve Contact Lenses
$130 allowance $130 allowance
Delta Dental
800-234-3375
www.deltadentalks.com
Vision Service Plan VSP
Vision Care Direct
of Kansas
Office: 620-325-3711
Cell: 316-650-6663
Fax: 1-800-399-9644
Email: railseye@yahoo.com
1-877-488-8900
www.visioncaredirect.com
Vision Care Direct of Kansas
D e l t a D e n t a l
Vision Service
Plan
1-800-877-7195
www.vsp.com
H e a l t h C a r e F S A - you can set aside up to $2,600 per year to pay for
qualied, out-of-pocket medical expenses
E x a m p l e s o f q u a l i f i e d e x p e ns e s include, but are not limited to:
Prescripon drugs, doctor’s oce co-pays, co-insurance, deducbles,
orthodonst & dental fees, prescripon glasses & contacts, etc.
D e p e n d e n t C a r e F S A - you can set aside up to $5,000 per calendar year to
pay for qualied dependent care expenses
E x a m p l e s o f q u a l i f i e d e x p e ns e s include, but are not limited to:
Babysier, before/aer school programs, licensed nursery care, day care, elderly
care, summer day camp, etc.
Y o u h a v e u n t i l M a r c h 3 1 s t , 2 0 1 8 to submit your 2017 FSA claim for
reimbursement. Any funds le over in your account will be forfeited; there are
no rollovers or refunds.
F S A - F l e x i b l e S p e n d i n g A c c o u n t s
S T D - S h o r t Te r m D i s a b i l i t y I n c o m e P r o t e c t i o n
LT D - L o n g Te r m D i s a b i l i t y I n c o m e P r o t e c t i o n
W h a t w ou l d h a p p e n i f y o u r i nc om e s to p p e d
t o d a y ?
Are you prepared to provide for yourself and those you love in
the event of a serious accident or illness? Unless you have
planned for such a loss, losing your income can produce tragic
results. If you are like most of us, your income is truly your most
valuable asset.
Voluntary STD is an important part of your nancial security. STD
is designed to help cover the immediate needs should someone
become disabled due to an accident or illness and be unable to
work for a period of me.
PRMC eligible employees may enroll during open enrollment. The
benet pays directly to you.
B e n e fi t s i n c l u d e :
O the job protecon.
Pregnancy is covered the same as any illness.
60% of your weekly earnings up to $1,400 per week
maximum.
Benets begin on the 8th consecuve day of disability if due
to an illness or accident.
12 week benet duraon.
STD is available to full-me and part-me employees during
annual enrollment.
L o n g T e rm D i s ab i l i t y I n c om e p r o t ec t i o n , L T D , helps replace a poron of your pay for “long term” disability
resulng from a covered injury or sickness. Benets begin at the end of the eliminaon period and connue while you are disabled
up to the maximum benet duraon.
B e n e fi t s i n c l u d e :
90 day eliminaon period and 60% of covered earnings up to a monthly maximum
Long Term Disability is available to full-me and part-me employees during annual enrollment.
Today, we need every dollar we get to help with family budgets.
Flexible Spending Accounts are one way of providing addional cash
ow. They are designed to allow you to take part of your taxable
“wage” dollars and turn them into non-taxable “benet” dollars.
Two major areas that qualify for FSAs are out-of-pocket medical
expenses and dependent care expenses. Medical expenses include
deducbles, co-payments, dental care, eye care, etc. Dependent care
expenses can be reimbursed for care of a child under age 13, or a
disabled dependent in your care, while you and your spouse work.
PRMC provides both of these accounts to our employees. If you incur
medical or child care/ dependent expenses, you should consider
taking advantage of this IRS benet. The FSA allows you to save state,
federal, and FICA taxes on out-of-pocket medical expenses.
Vo l u n t a r y B e n e f i t s
A N e w T w i s t t o L i f e I n s u r a n c e th a t h e l p s w h e n e v e r
y o u n e e d i t m o s t !
Universal Life is a “permanent” life plan that provides aordable
guaranteed protecon for your family. This life insurance goes with
you when you leave employment. It gives you death benets that
you can depend on. Policy payments remain the same throughout
the life of your policy. Universal Life also comes with an extra level
of protecon for long-term care services, combining two important
benets into one aordable product.
How are your benets paid? Your benets can be paid as a Death
Benet, as Living Benets for long-term care, or as a combinaon of
both.
Death Benet - Most people buy life insurance for the nancial
security of the death benet. A death benet puts money in your
family’s hands quickly when they need it most. It’s money they can
use as needed.
Living Benets - Long-term care can be expensive. Living Benets
make it easy to accelerate the death benet to help pay for home
healthcare, assisted living, adult day care or nursing home services,
should you ever need them.
Features you’ll appreciate
Lifelong protecon – Provides coverage that will last your lifeme.
Family coverage – Apply for your spouse, children and
grandchildren even if you choose not to parcipate.
Terminal Illness Benet – Accelerates up to 75 percent of your
death benet if your doctor determines your life expectancy is 24
months or less.
Waiver of premium – Waives policy payments if your doctor
determines you are totally disabled.
B a s i c L i f e , AD & D , D e p e n d e n t & S u p p l e m en ta l L i f e
We all want the best for our loved ones, especially if the
unexpected should happen. Life insurance provides protecon
for your family in the event you are no longer able to provide for
them.
PRMC pays for a $25,000 Basic Life and AD&D benet for full-
me employees.
There are opons to purchase addional coverage for
employees, spouse and children.
Employees must purchase coverage on themselves in order for
their other family members to parcipate.
Other features include:
Accelerated Life Benet. If your life expectancy is 12 months or
less, you can receive a percentage of the benet prior to your
death.
Benet Reducons
At age 70, the original benet is reduced to 65%.
At age 75, the original benet is reduced to 50%.
If you are requesng coverage for the rst me and you were
previously eligible, evidence of insurability will be required.
S u p p l e m e n t a l L i f e
You may also purchase addional term life insurance.
Dependent coverage is available if you purchase coverage for
yourself.
You may not exceed 50% of your coverage for a dependent.
Each year during annual re-enrollment you may increase your
coverage, subject to Evidence of Insurability EOI
You may increase your coverage by one level without proof of
insurability each year. More than this amount and Evidence of
Insurability, EOI, will be required.
If you are requesng supplemental coverage for the rst me,
and you were previously eligible but chose not to parcipate,
EOI will be required from the rst dollar of coverage.
U n i v e r s a l L i f e w i t h L o n g T e r m C a r e R i d e r
Vo l u n t a r y B e n e f i t s
If you choose accident coverage, you will be covered in the event of an accident o the job.
Medical fees up to $500 will be reimbursed in the event of an accident requiring medical care. These fees are limited up to $100
for physician fees, up to $200 for X-rays, and up to $200 for emergency room services.
There is a benet of $50 for each visit to a doctor, outside of the hospital, for any reason, not to exceed four mes per year. Even
regular check ups are included.
For each covered person, the policy will pay a one-me benet of $1,000 per event when the covered person is admied for an
overnight stay in the hospital as a result of an injury.
The policy pays a $200 per day benet for hospital connement with a maximum of 90 days per injury. This amount increases to
$400 per day if admied to intensive care.
C r i t i c a l I l l n e s s C o v e ra g e w i t h C a n c e r B e n e f i t s
How does it work? Crical illness can strike anyone, at anyme. Heart Aack. Stroke. There is so much to think about. From
deciding between treatment opons to managing every day needs to maintaining nancial stability, facing a medical challenge has
a great impact on us and our family. Crical Illness insurance can help. It can help you manage your illness, your way. Crical Illness
insurance pays a lump-sum cash benet, upon the diagnosis of a covered illness, to help ease not just your nancial worries, but
your emoonal ones too.
What’s covered?
Heart Aack Stroke Renal (kidney) failure Blindness
Occupaonal HIV Alzheimer’s Disease Transplant of a major organ
Paralysis of at least two limbs Invasive cancer (excludes most skin cancer)
Second event Crical Illness covers you when a condion is diagnosed a second me Pays a lump-sum cash payment when you
are diagnosed with any and every covered condion included in your policy. Benets are payable for recurrence of the same
covered condion previously paid under the contract, as long as there are twelve months between the events.
Health Screening Benet - To help you stay well, the Health Screening Benet pays you a wellness benet of $50 for one
screening test per calendar year.
B e n e f i t s Yo u W i l l A p p r e c i a t e
Single cash benet – Choose a benet of $10,000 to $20,000. Guaranteed Issue limits are up to $20,000 during inial oering
ONLY!
Guaranteed renewable – Guaranteed acve coverage for life, as long as premiums are paid on me. Your premium may change if
the premium for all policies in your class changes.
Level premiums – Enjoy rates that don’t increase because of age.
Hospitalizaon/treatment – Not required to collect benet. You receive benet payment aer diagnosis.
A c c i d e n t C o v e r a g e
Vo l u n t a r y B e n e f i t s
B a s i c I n f o r m a t i o n
Selling Back PTO Hours - If an employee elects to sell back PTO hours, it will be from the current year’s accrual and cannot be from any prior year(s)
accrued balance. The employee may make an annual irrevocable election no later than December 31 of the current year to sell back a minimum of 8
hours that will be earned in the next calendar year. The form to request to sell back PTO hours is available in the Human Resou rces Department
B E N EF I T S W H A T Y O U R E C E I V E
E L I G I B L E
E M P L O Y E E
W H EN
E F F E C T I V E
W H O
P A Y S
Paid Time O
(PTO) in lieu of
vacaon, holidays,
sick days,
personal me
Maximum accumulaon: 400 hours
Years of Service % of accrual
0 < 5 8.08
6< 10 9.23
11< 15 10.38
16&> 11.54
Full Time
Part Time
Immediately
PRMC
PTO Sell Back
Opon
Sell back of accrued PTO hours pro-rated at 97% of
base hourly rate.
Full Time
Part Time
Immediately
PRMC
Health
Insurance
Basic/Standard/Premium Plan Opons. Major medical
ulizes annual deducble and co-payment, policy
oers built-in cost saving incenves. Part-me
employees must pay enre premium amount. Refer to
insurance handbook for complete plan coverage.
Full Time
Part Time
(enrollment in plan
125 required)
Coverage begins on the rst of
the month following
compleon of 60 days of
employment
PRMC and
Eligible
Employees
Dental
Insurance
Basic/Standard/Premium Plan Opons. Insurance
ulizes deducble and co-payment. Refer to insurance
handbook for complete plan coverage.
Full Time
Part Time
Coverage begins on the rst of
the month following
compleon of 60 days of
employment
Eligible
Employees
Vision Insurance
Insurance ulizes co-payment and covers exams,
frames, lenses, and contacts. Refer to insurance
handbook for complete plan coverage.
Full Time
Part Time
Coverage begins on the rst of
the month following compleon
of 60 days of employment
Eligible
Employees
Group Life
Insurance
$25,000 (FT & PT) plus AD&D, $2,000 spouse, + various
levels for dependent child. Refer to insurance
handbook for complete plan coverage.
Full Time
Part Time
(Part me pays enre
premium)
Coverage begins on the rst of
the month following compleon
of 60 days of employment
Employee (for
dependent
coverage)
Flexible
Spending Account
Pre-tax deducon of insurance premium(s), dependent
childcare, unreimbursed medical expense. Means of
reducing tax liability.
Full Time
Part Time
Coverage begins on the rst of
the month following
compleon of 60 days of
employment
Employee
Crical Illness,
Accident, Short
Term Disability and
Universal Life
Cancer Insurance
Protecon for crical illness, cancer, accident, life and
short term disability expenses. Payroll deducon
available for all plans.
Full Time
Part Time
Coverage begins upon issue by
the carrier. You are eligible to
have coverage on the rst of
the month following 60 days of
employment.
Employee
PRMC 401(k) Prot
Sharing Plan
(Rerement
Benet)
Pre-tax deducon of employee contribuons up to
75%. Employer match on up to 6% of employee
contribuon: less than 10 years of service at
25 cents on the dollar; more than 10 years of service at
50 cents on the dollar.
All (if they meet plan
requirements for
hours worked and are
greater than 18 years
old.
Coverage begins on the rst of
the month following
compleon of 60 days of
employment.
PRMC and
Employee
Tax Deferred
Annuity Program
Opportunity to parcipate in tax deferred annuity
program.
All Upon compleon of enrollment. Employee
Social Security
Federal program that provides for rerement,
disability, Medicare and survivors benets.
All Immediately
PRMC and
Employee
L e g a l S e r v i c e s
IDShield provides Identy The protecon with COMPLETE Monitoring of ALL 5 major
forms of your identy with ALERTS PLUS FULL RESTORATION that includes Children’s
Idenes.
The LegalShield Comprehensive Legal Plan helps us deal with any other “STUFF” that
can disrupt our lives, and includes wring or updang a Last Will and Testament, Health Care Power of Aorney, Living Will and a
Minors Trust at Zero addional out of pocket cost. In addion the Legal Plan provides comprehensive with:
D i v o r c e T r a f f i c W i l l P r e p a r a t i o n C h i l d C u s t o d y
H o m e P u r c h a s e C o n s u m e r I s s u e s U n l i m i t e d C o n s u l t a t io n M u c h M u c h M o r e
Legal Shield
1-316-842-4848
Morgan_sharp@actserv.com
M i s c e l l a n e o u s E m p l o y e r B e n e f i t s
B a s i c I n f o r m a t i o n
B E N EF I T S W H A T Y O U R E C EI V E
E L I G I B L E
E M P L O Y E E
W H EN
E F F E C T I V E
W H O
P A Y S
Weekend Dierenal
$2.70 per hour compensaon for working weekend
shis – 6:00 p.m. on Friday to 10:00 p.m. on Sunday.
All Immediately
PRMC
Shi Dierenal
$2.00 per hour compensaon for working evening shi.
$2.50 per hour compensaon for working night shi.
Those employees
meeng eligibility
requirement
Immediately
PRMC
Holiday Pay
1 ½ mes hourly rate for hours worked - when
scheduled by supervisor
All hourly employees Immediately PRMC
Vong Time, Jury
Duty, Blood Donang
Regular wages for me spent serving on jury duty,
vong, donang blood. Refer to specic policy.
All Immediately
PRMC
Workers’
Compensaon
Medical expenses and income protecon when o duty
due to an on the job injury or job related illness subject
to Kansas law.
All Immediately
PRMC
Unemployment
Compensaon
Income assistance aer meeng state eligibility
requirements, while seeking employment.
All Immediately
PRMC
Tuion
Reimbursement
Percentage of tuion reimbursement for work related
courses undergraduate/graduate hours. Some
assistance available for correspondence course work.
Prior approval required.
Full Time
Part Time
Aer six months service
PRMC
Coee/Rest Period
Two 15 minute paid coee breaks per 8 hour shi.
Coee & Tea free
All Immediately
PRMC
Cafeteria Employee meals discounted All Immediately
Employee
Employee Assistance
Program
EMPAC EAP -Professional counseling services for
employees and family members. Condenality
ensured.
All Immediately PRMC
Credit Union
Savings/loan through convenient payroll deducon;
also Christmas Club, IRA, Checking accounts.
Full Time
Part Time
Designated by Medical
Community Credit Union
Employee
Direct Deposit
Automac deposit of payroll. Able to specify mulple
accounts.
All
Within 30 days of
authorizaon
PRMC
Service Awards
Recognion for 5, 10, 15, 20, 25, 30, 35 years of
connuous service at PRMC.
Full Time
Part Time
Employee Anniversary
Date
PRMC
Recreaon/Social
Acvies
Various recreaon/social acvies sponsored by PRMC
(i.e. picnics, athlec team sponsorships).
All Immediately
PRMC
Accounts Payable
Payroll Deducon
Through arrangement with the business oce, payroll
deducons to apply to PRMC hospital bill only.
All Immediately
Employee
Birthday Gi
One free meal in PRMC cafeteria by presenng free
meal card.
All On Birthday PRMC
UPS, Fed Ex and U.S.
Postal Service Pickup
and Receiving
Employee may receive or have parcel post picked up by
nofying Materials Management and paying postal/
shipping costs.
All Immediately
Employee
Wheat State Credit Union formerly Medical Community Credit Union and prior to that St. Joseph Medical Credit Union has been aligned
with Pra Regional Medical Center and its employees longer than any other PRMC benet. We are proud of our long standing partnership
and the relaonships we have built over the years.
Wheat State Credit Union is a full service nancial instuon oering PRMC employees:
Low interest loan rates
Various savings accounts (Regular savings, Christmas Club, etc.)
Free checking accounts
Second chance checking accounts
Cercates of Deposit (CD’s)
IRA Accounts
C r e d i t U n i o n m e m be rs h i p
M i s c e l l a n e o u s E m p l o y e r B e n e f i t s
2017 Supplemental Benets Designed To Pay Direct to
You!
In today’s ever-changing medical arena, it has become increasingly important to make
sure we, as consumers, understand our coverage opons. Plans are now being de-
signed to address a broader list of concerns and individual needs. Supplemental plans
are designed to pay direct to you and are fast becoming one of the most valued new opons in the insur-
ance industry.
This Supplemental Benets Guide provides a short summary of benets available. Our goal is to provide
a program that will give you an opportunity to have a clear understanding of benets oered, answer
any quesons you may have, and provide you with the tools to make informed decisions during this im-
Benet Highlights Plan 1 Plan2 Plan3
Inial Diagnosis $3,000 $5,000 $5,000
Hospital Connement $200/day $200/day $300/day
Radiaon/Chemotherapy (actual charges up
to)
$10,000 $15,000 $20,000
Intensive Care $200/day $400/day $600/day
Ambulance (per connement) $100 for Cancer Related Trips. Actual charges
for Ambulance where admied to ICU for any
reason
Surgery (Actual charges up to) $1,500 $3,000 $4,500
New or Experimental Treatment $5,000 $5,000 $5,000
Medical Imaging $500 $750 $1,000
Blood, Plasma, Platelets (Actual Charges up to) $10,000 $15,000 $20,000
Travel Costs $.40 per mile or actual cost of common carrier
Wellness (Yearly) $100 $100 $100
Bi-Weekly Cost Based On Plan Level Selected
Employee $10.82 $15.60 $20.12
Employee + child $15.14 $22.16 $28.72
Employee + Spouse $16.98 $24.50 $31.44
Family $21.30 $31.04 $40.06
C a n c e r I n s u ra n c e C o v e r a g e
A i r A m b u l a n c e S e r v i c e s
Membership with one of the air transportaons services, Eagle Med or Life Team can save you a lot of money. Air transportaon
in a life-saving emergency can cost thousands above the insurance plan coverage. Membership ensures you will not be billed for
the cost of the ight. Coverage can be for single or family plans which include all members of your household. Choose between
two coverage providers. Plan details vary so please visit with company representaves for you specic needs. Premiums for both
Air Ambulance services are annual premiums and cannot be payroll deducted for more than 2 pay periods.
AirMedCare
AirMedCare Network is an alliance among Med-Trans Air Medical Transport, Air Evac, EagleMed, and
REACH Air Medical Services, creang America’s largest air ambulance membership program. An AirMedCare
Network membership automacally enrolls you in all 4 company membership programs, giving you membership
coverage in over 220 locaons across 32 states. Take advantage of this great opportunity today!
LifeTeam
LIFETEAM
As a member of LifeTeam, you and your family will not experience any out-of-pocket expenses for a medically necessary air
transport provided by LifeTeam. Individual memberships can be purchased for just $35 dollars, or family memberships for only
$42.50. While no one ever expects to need air medical transport, it is comforng to know that LifeTeam is a short twenty-
ve minute ight away and available 24/7 if needed.
Assisng you with your savings for rerement is a benet that PRMC is proud to
oer our employees. The Pra Regional Medical Center 401(k) Prot Sharing
Plan is designed to help you meet your nancial goals in rerement. The plan is
easy to enroll in, oers eligible employees a way to make tax deducble
contribuons that are payroll deducted, and provides an addional employer
matching contribuon. An easy to use website is available to do many things
such as check your balance, make investment changes or increase your
contribuon rate. We hope you are taking advantage of this benet and
encourage you to visit the website at www.startright.bok.com or call the
Parcipant Services Group at 800-876-9557 to access your account or enroll in
the plan. The PRMC intranet has a very informave video about the PRMC 401
(k) Prot Sharing Plan: hp://intranet/enrollment/index.html
Rollovers into the 401(k) Plan - If you have a benet in the “PRMC Rerement
Benet Plan”, you may be eligible to rollover that amount into the PRMC 401(k)
Prot Sharing Plan. If you parcipated in a rerement plan with a prior
employer, your account may be eligible to rollover into your PRMC 401(k) plan as
well. Consolidang accounts is very common and provides many parcipants the
most convenient way to keep track of their rerement accounts. If you’d like to
learn more about this process and receive addional assistance, please contact
BOKF Financial at 800-876-9557 to speak with someone.
New 401(k) Plan Website - We are pleased to announce that BOK Financial has
created a new website for our 401(k) plan parcipants. The new website will
include several enhancements that we are condent will improve your online
experience. The website’s navigaon and layout have all been revamped. A
rerement planning tool has also been expanded and will be accessible from the
landing page to assist you in your rerement planning eorts.
4 0 1 ( k ) P l a n
PRMC 401K Profit Sharing Plan
Bank of Oklahoma
1-800-876-9557
https://startright.bokf.com/
Life Team
1-316-217-6254
EagleMed
1-800-764-3343
M i s c e l l a n e o u s E m p l o y e r B e n e f i t s
Sta r Robbins & Company
Benet Educaon & Support Team
We bring ongoing, simple instruction to the workplace in order to help make
benefits easy to understand so individuals can make good decisions. In major
catastrophes, we offer a listening ear and we give guidance about life-changing
insurance plans to help protect a secure financial future.
With a variety of vision plans to meet your specific
needs, Vision Care Direct offers you an unparalleled
freedom of choice. Whether your vision needs include
bifocals, trifocals, progressive lenses, safety wear or
AT THE TRUSTMARK COMPANIES we
help people thrive. We provide products and
personalized attention that engage and
inspire people to maximize their health
potential. We offer employee benefits
customized to fit each unique business need
or life circumstance. It all revolves around
our belief that better health and greater
financial security increase overall well-being.
And with well-being comes peace of mind.
Peace of mind to focus on work and family
and everything else that’s important in life.
Peace of mind to thrive.
M I D W E S T BE N E F IT R E S O U R C E S , L L C
G r o u p B e n e f i t P l a n s & A d m i n i s t r a t i o n
C o n s u l t i n g I n d i v i d u a l H e a l t h P l a n s
1 0 5 W e s t S e c o n d
P r a t t , K S 6 7 1 2 4
B r e n d a - m b r @ c o x. n e t
O f f i c e: 6 2 0 . 5 0 8 . 6 2 9 2 * C e l l : 6 2 0. 3 8 8 . 3 9 5 4 * F a x : 6 2 0 . 5 0 8 . 6 2 9 4
B r e n d a J oh ns t on
P R M C i s p ro u d t o p r e s e n t o u r p a r t n e rs a n d s p o n s o r s
fo r t h i s y e a r s a n n u a l e n r o l l m e n t .
Employee Assistance Program
(316) 265-9922or(800) 234-0630
www.http://empac-eap.com/
Life Insurance products for the employee
and family dependents
Pra Regional Medical Center does not exclude, deny
benets to, or otherwise discriminate against any person
on the basis of race, color, naonal origin,
disability, or age in admission to, parcipaon in, or re-
ceipt of the services and benets under any of its programs
and acvies, whether carried out by Pra Regional
Medical Center directly or through a contractor or any
other enty with which Pra Regional Medical Center
arranges to carry out its programs and acvies.
2 0 1 7 B e n e f i t S p o n s o r s