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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 “Benets 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 informaon that might help you decide which opons may be of interest to you. There are dierent levels of coverage available and opons 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 benet enrollment and Midwest Benet Resources (MBR) for health, dental and life insurance products. Our desire is to educate employees on available benets 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 benets and enroll them in the products of their choice. MBR is located in Pra, making it convenient for employees to stop by their oce and meet in a private seng to go over their benet needs. Employees are also invited to stop by the MBR oce at their convenience. Midwest Benet 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 benet opons. Being Simply the Best includes all facets of our organizaon including our benet programs. In 2017 there will be a few changes and improvements in your employee benet plan opons. We enter our second year with our partner Benets Management Inc., as third party administrator (TPA). With BMI employees have come to appreciate the aenon 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 addional coverage at very reasonable rates which also includes family coverage. Aetna also will oer some products such as Short Term Disability which might be of interest to employees so please take a look at their program oerings. Trustmark will connue to provide coverage for Universal Life with Long Term Care Rider, Crical Illness, and Accident Protecon. As we did last year, we are happy to connue with our enrollment partner, Star Robbins & Company. Star Robbins benet 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 benets line up for 2017 is a cancer insurance carrier, Allstate. Midwest Benet Resources sta will assist each employee with enrollment to make sure the benet programs oered meet your needs. Brenda Johnston of MBR has earned the reputaon of being a great employee advocate and making sure your enrollment is exactly what you and your family desire. This year, we have connued the voluntary opons to include: air ambulance transport coverage, Long Term Disability, Vision Care (two opons) and Legal Shield. As you will see, some of our new plans come with enhanced coverage and some with the same or similar protecon, but at an aordable cost to you. We are happy to connue a benet for PRMC insured employees and families who take advantage of services provided at PRMC. This Core benet oers a y percent (50%) reducon in the deducble on both the single and family plans. You will want to review this plan change on page 6 of this booklet. Our benet oerings are designed to be exible and aordable 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 benets are available on a payroll deducon which provides excellent pricing. New employees hired during the 2017 plan year will be oered benets “guaranteed issue”. This means, regardless of previously diagnosed health condions, employees hired aer January 2017 will be able to parcipate. Pre-exisng condions will have a 12/12 provision. Voluntary benet opons include Accident Assistance, Crical Illness with Cancer Coverage, and a Universal Life with Long Term Care Rider. More details about these new oerings will follow in the pages of this guide. Be sure and review them carefully. Benet consultants from MBR and SRC will walk through the changes you wish to make in your benet selecon and enroll you directly into the system. Your benet educators will be able to make sure you understand your opons so you may make informed decisions. Trustmark will be the primary benet carrier oered through payroll deducon. 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 benet enrollment system for some voluntary benet products. Benet consultants from SRC will walk through the changes you wish to make in your benet selecon and enroll you directly into the system. We also have benet educators to help walk you through the changes as well as help educate everyone on the benets 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 benet 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 eort to aend 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 connues through December 2nd, you need to schedule your appointment by going to: hps://prmc.youcanbook.me/ The Password is: PRMC Thanks in advance for your cooperaon 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 specic 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 benet educators to help with this year's enrollment process. Educators will work with each employee to provide one on one enrollment educaon and guidance, which will make it easier to beer understand your benets. Enrollment begins aer the benet fair on November 30th at noon through December 2nd . We have worked closely with the Star Robbins team to provide individualized benet 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 benets 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 benets and will be able to assist employees during this important decision making process. The Star Robbins team are salaried benet educators who will be able to share with employees the value of both EMPLOYER SUBSIDIZED and VOLUNTARY oerings 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 Simplied Issue if you were hired previously condions can cause coverage to be charged extra premium or be denied altogether. If you were hired in 2016, these special PRMC products are being oered to you on a guaranteed issue basis. New Hires can obtain coverage without medical quesons. A 12/12 does apply. If you are not a new hire, these plans are sll available on a simplied issue basis with limited medical quesons. 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 underwring 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 aack, diabetes, or a stroke are oen declined coverage. Even family history, weight issues, blood pressure, sleep apnea, and a host of other Plans available on a guaranteed or simplied issue basis include: Universal Life with Long Term Care Accident Assistance Crical Illness with Cancer included If you or your family have a history of medical condions, don’t miss this special opportunity! People oen think about their benets, especially during enrollment. The rst thing that usually comes to mind is Medical Coverage. Your core benets are the rst step in securing a healthy and sound nancial future. Voluntary benets 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 consideraon and research was done to make sure the PRMC voluntary opons would enhance Employer Subsidized coverage and provide employees a way to gain valuable protecon 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 benets 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 geng well. Ask yourself a simple queson, “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 benets. Trying to stay up with the mes can oen be a daunng task. Having a full understanding of one’s employer subsidized and voluntary benet package is more important than ever. Trained benet educators available to help you understand the dierence between the many types of coverage available can be very valuable in helping you protect what maers most, your family and your nancial security and stability! Our Midwest Benet Resources team will be able to help you take a look at your overall coverage so you may make informed decisions about what benets 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 benet opons oered through the PRMC plan if you are an acve, full-me employee of PRMC regularly assigned to work at least 60 hours per pay period, or are an acve part-me employee regularly assigned to work at least 16 hours per pay period. Dependent Eligibility Several of the benet opons oer coverage for your eligible dependents, which may include: Your spouse. Refer to the plan documents for Noce 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, residenal 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 ancipaon of adopon. An unmarried Child who is a Dependent and who reaches the Plan’s liming 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. Nocaon of incapacitaon must be provided within thirty-one (31) days aer the Child aains age 26. Proof of incapacitaon may be required to determine whether or not the Child qualies 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 addion, you may not be enrolled as both an employee and as a dependent at the same This enrollment guide gives you a general descripon of your PRMC benets. Not all specic details are included. Instead, we have tried to keep this guide short, simple, and easy to understand. If a conict 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 constutes a Summary of Material Modicaons to the Summary Plan Descripons 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 Paent Protecon and Aordable Care Act (the Aordable Care Act). As permied by the Aordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in eect when that law was enacted. Being a grandfathered health plan means that this Plan may not include certain consumer protecons of the Aordable Care Act that apply to other plans; an example is the requirement for the provision of prevenve health services without any cost sharing. However, grandfa-thered health plans must comply with certain other consumer protecons in the Aordable Care Act; an example is the elimina-on of lifeme limits on essenal benets. Quesons regarding which protecons apply and which protecons 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 Benets Security Administraon, U.S. Department of Labor at 1-866-444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protecons 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 Deducble (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 deducble, 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 Benets (Includes Primary Care Oce Visits, Specialist Oce Visits and Walk-in Retail Health Clinics) Core PRMC Network $20 member co-pay for the rst $250 per visit, then plan pays 80% aer deducble 80% aer deducble 70% aer deducble In Network $20 member co-pay for the rst $250 per visit, then plan pays 80% aer deducble 80% aer deducble 70% aer deducble Out-of-Network 50% aer deducble 50% aer deducble 50% aer deducble Outpaent Services PRMC Core Network 80% aer deducble 80% aer deducble 70% aer deducble In-Network 80% aer deducble 80% aer deducble 70% aer deducble Out-of-Network 50% aer deducble 50% aer deducble 50% aer deducble Inpaent Hospital Professional Services PRMC Core Network 80% aer deducble 80% aer deducble 70% aer deducble In-Network 80% aer deducble 80% aer deducble 70% aer deducble Out-of-Network Parcipant pays $1,000 co-pay and 50% aer deducble Parcipant pays $1,000 co-pay and 50% aer deducble Parcipant pays $1,000 co-pay and 50% aer deducble Emergency Room Visit PRMC Core Network 80% aer PPO Network deducble 80% aer PPO Network de-ducble 70% aer PPO Network deducble In Network 80% aer PPO Network deducble 80% aer PPO Network de-ducble 70% aer PPO Network deducble Out-of-Network 80% aer PPO Network deducble 80% aer PPO Network de-ducble 70% aer PPO Network deducble Ambulance (when medically necessary) 80% aer PPO Network deducble 80% aer PPO Network de-ducble 80% aer PPO Network deducble Air Ambulance (when medically necessary) 80% aer PPO Network deducble 80% aer PPO Network de-ducble 80% aer PPO Network deducble
Preventave Care Services (as dened by ACA) Premium Standard Basic Core PRMC Network (PRMC, PRMC Owned Clinics, and Pra Family Pracce) 100% Deducble Waived 100% Deducble Waived 100% Deducble Waived In Network (Roune Annual Physicals - excludes school or work physicals) For the rst $300 per Benet Year Parcipant pays $20 co-pay and plan pays dierence. Services in excess of $300 per Benet Year are subject to deducble and co-insurance. For the rst $300 per Benet Year Parcipant pays $20 co-pay and plan pays dierence. Services in excess of $300 per Benet Year are subject to deducble and co-insurance. For the rst $300 per Benet Year Parcipant pays $20 co-pay and plan pays dierence. Ser-vices in excess of $300 per Bene-t Year are subject to deducble and co-insurance. Out-of-Network 50% aer deducble 50% aer deducble 50% aer deducble Well Newborn Nursery Care PRMC Core Network 80% aer deducble 80% aer deducble 70% aer deducble In Network 80% aer deducble 80% aer deducble 70% aer deducble Out-of-Network Parcipant pays $1,000 co-pay and 50% aer deducble Parcipant pays $1,000 co-pay and 50% aer deducble Parcipant pays $1,000 co-pay and 50% aer deducble Immunizaons CORE PRMC Network 100% Deducble Waived 100% Deducble Waived 100% Deducble Waived In Network (Roune Annual Physicals - excludes school or work physicals) 100% Deducble Waived 100% Deducble Waived 100% Deducble Waived Out-of-Network 50% aer deducble 50% aer deducble 50% aer deducble Maternity Prenatal and Postnatal Oce Visits (Co-pay covers only the oce visit component. Co-pay excludes such ser-vices as lab, sonograms, etc.) PRMC Core Network Parcipant pays $150 co-pay per Pregnancy. Plan pays the dierence. Based on type of service and place of service Based on type of service and place of service In Network Parcipant pays $150 co-pay per Pregnancy. Plan pays the dierence. Based on type of service and place of service Based on type of service and place of service Out-of-Network 50% aer dedcble Based on type of service and place of service Based on type of service and place of service Delivery and Inpaent Stays PRMC Core Network 80% aer deducble Based on type of service and place of service Based on type of service and place of service In Network 80% aer deducble Based on type of service and place of service Based on type of service and place of service Out-of-Network Parcipant pays $1,000 co-pay and 50% aer deducble 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 Prescripon coverage will connue through MedTrak MedTrak contracts with over 60,000 pharmacies across the naon to assist you with your prescripon needs. With our Preferred and Performance 90 Pharmacy Networks, you can obtain acute and maintenance medicaons 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 Benet 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 quesons regarding our pharmacy network, your medicaons, plan coverage and more. MedTrak also provides many online tools to help you understand and manage your prescripon benets. 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 medicaons Rx Claims History – View and print claims history eScriptChoice– Search for lower-cosng alternaves with plan costs and copay amounts Pharmacy Locator – Search among 60,000 pharmacies that parcipate in the Medtrak Preferred or Performance 90 Pharmacy Networks Access Important Documents – View summary informaon regarding your Plan’s prescripon benets, claim forms, preferred drug lists, MedTrak’sHealthWise Member newsleer, 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 acvity to stay healthy. Regular exercise can increase metabolism, boost energy and improve sleep. For some people, physical acvity is already a part of daily life or work. For others, be-ing acve requires extra eort. 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 informaon and advice available can be a discouraging barrier. What exactly does “being t” mean anyway? How should you go about creang a workout roune, and what are some of the best workout acvies? 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 lile easier and for as lile as $19.99 a month. For more informaon, 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% aer deducble 80% aer deducble 50% aer deducble M a j o r S e r v i c e s 50% aer deducble 50% aer deducble 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 Plasc, 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 Addional 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 Plasc, CR-39 lens Glass or Plasc, CR-39 lens N/A Lens Opon Single vision, bifocal, trifo-cal (FT25-28 or lencular) Single vision, bifocal, trifocal (FT25-28 or lencular) 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 Elecve 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 qualied, 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: Prescripon drugs, doctor’s oce co-pays, co-insurance, deducbles, orthodonst & dental fees, prescripon 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 qualied 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: Babysier, before/aer 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 benet pays directly to you. B e n e fi t s i n c l u d e : O the job protecon. Pregnancy is covered the same as any illness. 60% of your weekly earnings up to $1,400 per week maximum. Benets begin on the 8th consecuve day of disability if due to an illness or accident. 12 week benet duraon. 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 poron of your pay for “long term” disability resulng from a covered injury or sickness. Benets begin at the end of the eliminaon period and connue while you are disabled up to the maximum benet duraon. B e n e fi t s i n c l u d e : 90 day eliminaon 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 addional cash ow. They are designed to allow you to take part of your taxable “wage” dollars and turn them into non-taxable “benet” dollars. Two major areas that qualify for FSAs are out-of-pocket medical expenses and dependent care expenses. Medical expenses include deducbles, 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 benet. 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 aordable guaranteed protecon for your family. This life insurance goes with you when you leave employment. It gives you death benets 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 protecon for long-term care services, combining two important benets into one aordable product. How are your benets paid? Your benets can be paid as a Death Benet, as Living Benets for long-term care, or as a combinaon of both. Death Benet - Most people buy life insurance for the nancial security of the death benet. A death benet puts money in your family’s hands quickly when they need it most. It’s money they can use as needed. Living Benets - Long-term care can be expensive. Living Benets make it easy to accelerate the death benet 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 protecon – Provides coverage that will last your lifeme. Family coverage – Apply for your spouse, children and grandchildren even if you choose not to parcipate. Terminal Illness Benet – Accelerates up to 75 percent of your death benet 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 protecon 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 benet for full-me employees. There are opons to purchase addional coverage for employees, spouse and children. Employees must purchase coverage on themselves in order for their other family members to parcipate. Other features include: Accelerated Life Benet. If your life expectancy is 12 months or less, you can receive a percentage of the benet prior to your death. Benet Reducons At age 70, the original benet is reduced to 65%. At age 75, the original benet is reduced to 50%. If you are requesng 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 addional 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 requesng supplemental coverage for the rst me, and you were previously eligible but chose not to parcipate, 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 benet 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 benet of $1,000 per event when the covered person is admied for an overnight stay in the hospital as a result of an injury. The policy pays a $200 per day benet for hospital connement with a maximum of 90 days per injury. This amount increases to $400 per day if admied 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? Crical illness can strike anyone, at any me. Heart Aack. Stroke. There is so much to think about. From deciding between treatment opons to managing every day needs to maintaining nancial stability, facing a medical challenge has a great impact on us and our family. Crical Illness insurance can help. It can help you manage your illness, your way. Crical Illness insurance pays a lump-sum cash benet, upon the diagnosis of a covered illness, to help ease not just your nancial worries, but your emoonal ones too. What’s covered? Heart Aack Stroke Renal (kidney) failure Blindness Occupaonal HIV Alzheimer’s Disease Transplant of a major organ Paralysis of at least two limbs Invasive cancer (excludes most skin cancer) Second event Crical Illness covers you when a condion is diagnosed a second me – Pays a lump-sum cash payment when you are diagnosed with any and every covered condion included in your policy. Benets are payable for recurrence of the same covered condion previously paid under the contract, as long as there are twelve months between the events. Health Screening Benet - To help you stay well, the Health Screening Benet pays you a wellness benet 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 benet – Choose a benet of $10,000 to $20,000. Guaranteed Issue limits are up to $20,000 during inial oering ONLY! Guaranteed renewable – Guaranteed acve 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. Hospitalizaon/treatment – Not required to collect benet. You receive benet payment aer 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 vacaon, holidays, sick days, personal me Maximum accumulaon: 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 Opon 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 Opons. Major medical ulizes annual deducble and co-payment, policy oers built-in cost saving incenves. Part-me employees must pay enre 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 compleon of 60 days of employment PRMC and Eligible Employees Dental Insurance Basic/Standard/Premium Plan Opons. Insurance ulizes deducble and co-payment. Refer to insurance handbook for complete plan coverage. Full Time Part Time Coverage begins on the rst of the month following compleon of 60 days of employment Eligible Employees Vision Insurance Insurance ulizes 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 compleon 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 enre premium) Coverage begins on the rst of the month following compleon of 60 days of employment Employee (for dependent coverage) Flexible Spending Account Pre-tax deducon 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 compleon of 60 days of employment Employee Crical Illness, Accident, Short Term Disability and Universal Life Cancer Insurance Protecon for crical illness, cancer, accident, life and short term disability expenses. Payroll deducon 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) Prot Sharing Plan (Rerement Benet) Pre-tax deducon of employee contribuons up to 75%. Employer match on up to 6% of employee contribuon: 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 compleon of 60 days of employment. PRMC and Employee Tax Deferred Annuity Program Opportunity to parcipate in tax deferred annuity program. All Upon compleon of enrollment. Employee Social Security Federal program that provides for rerement, disability, Medicare and survivors benets. All Immediately PRMC and Employee L e g a l S e r v i c e s IDShield provides Identy The protecon with COMPLETE Monitoring of ALL 5 major forms of your identy with ALERTS PLUS FULL RESTORATION that includes Children’s Idenes. The LegalShield Comprehensive Legal Plan helps us deal with any other “STUFF” that can disrupt our lives, and includes wring or updang a Last Will and Testament, Health Care Power of Aorney, Living Will and a Minors Trust at Zero addional out of pocket cost. In addion 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 Dierenal $2.70 per hour compensaon for working weekend shis – 6:00 p.m. on Friday to 10:00 p.m. on Sunday. All Immediately PRMC Shi Dierenal $2.00 per hour compensaon for working evening shi. $2.50 per hour compensaon for working night shi. Those employees meeng eligibility requirement Immediately PRMC Holiday Pay 1 ½ mes hourly rate for hours worked - when scheduled by supervisor All hourly employees Immediately PRMC Vong Time, Jury Duty, Blood Donang Regular wages for me spent serving on jury duty, vong, donang blood. Refer to specic policy. All Immediately PRMC Workers’ Compensaon Medical expenses and income protecon when o duty due to an on the job injury or job related illness subject to Kansas law. All Immediately PRMC Unemployment Compensaon Income assistance aer meeng state eligibility requirements, while seeking employment. All Immediately PRMC Tuion Reimbursement Percentage of tuion reimbursement for work related courses undergraduate/graduate hours. Some assistance available for correspondence course work. Prior approval required. Full Time Part Time Aer six months service PRMC Coee/Rest Period Two 15 minute paid coee breaks per 8 hour shi. Coee & 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. Condenality ensured. All Immediately PRMC Credit Union Savings/loan through convenient payroll deducon; also Christmas Club, IRA, Checking accounts. Full Time Part Time Designated by Medical Community Credit Union Employee Direct Deposit Automac deposit of payroll. Able to specify mulple accounts. All Within 30 days of authorizaon PRMC Service Awards Recognion for 5, 10, 15, 20, 25, 30, 35 years of connuous service at PRMC. Full Time Part Time Employee Anniversary Date PRMC Recreaon/Social Acvies Various recreaon/social acvies sponsored by PRMC (i.e. picnics, athlec team sponsorships). All Immediately PRMC Accounts Payable Payroll Deducon Through arrangement with the business oce, payroll deducons to apply to PRMC hospital bill only. All Immediately Employee Birthday Gi One free meal in PRMC cafeteria by presenng 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 nofying 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 benet. We are proud of our long standing partnership and the relaonships we have built over the years. Wheat State Credit Union is a full service nancial instuon oering PRMC employees: Low interest loan rates Various savings accounts (Regular savings, Christmas Club, etc.) Free checking accounts Second chance checking accounts Cercates 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 Benets 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 opons. 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 opons in the insur-ance industry. This Supplemental Benets Guide provides a short summary of benets available. Our goal is to provide a program that will give you an opportunity to have a clear understanding of benets oered, answer any quesons you may have, and provide you with the tools to make informed decisions during this im-Benet Highlights Plan 1 Plan2 Plan3 Inial Diagnosis $3,000 $5,000 $5,000 Hospital Connement $200/day $200/day $300/day Radiaon/Chemotherapy (actual charges up to) $10,000 $15,000 $20,000 Intensive Care $200/day $400/day $600/day Ambulance (per connement) $100 for Cancer Related Trips. Actual charges for Ambulance where admied 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 transportaons services, Eagle Med or Life Team can save you a lot of money. Air transportaon 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 representaves for you specic 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, creang America’s largest air ambulance membership program. An AirMedCare Network membership automacally enrolls you in all 4 company membership programs, giving you membership coverage in over 220 locaons 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 comforng to know that LifeTeam is a short twenty-ve minute ight away and available 24/7 if needed. Assisng you with your savings for rerement is a benet that PRMC is proud to oer our employees. The Pra Regional Medical Center 401(k) Prot Sharing Plan is designed to help you meet your nancial goals in rerement. The plan is easy to enroll in, oers eligible employees a way to make tax deducble contribuons that are payroll deducted, and provides an addional employer matching contribuon. An easy to use website is available to do many things such as check your balance, make investment changes or increase your contribuon rate. We hope you are taking advantage of this benet and encourage you to visit the website at www.startright.bok.com or call the Parcipant Services Group at 800-876-9557 to access your account or enroll in the plan. The PRMC intranet has a very informave video about the PRMC 401(k) Prot Sharing Plan: hp://intranet/enrollment/index.html Rollovers into the 401(k) Plan - If you have a benet in the “PRMC Rerement Benet Plan”, you may be eligible to rollover that amount into the PRMC 401(k)Prot Sharing Plan. If you parcipated in a rerement plan with a prior employer, your account may be eligible to rollover into your PRMC 401(k) plan as well. Consolidang accounts is very common and provides many parcipants the most convenient way to keep track of their rerement accounts. If you’d like to learn more about this process and receive addional 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 parcipants. The new website will include several enhancements that we are condent will improve your online experience. The website’s navigaon and layout have all been revamped. A rerement planning tool has also been expanded and will be accessible from the landing page to assist you in your rerement planning eorts. 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 Benet Educaon & 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 benets to, or otherwise discriminate against any person on the basis of race, color, naonal origin, disability, or age in admission to, parcipaon in, or re-ceipt of the services and benets under any of its programs and acvies, whether carried out by Pra Regional Medical Center directly or through a contractor or any other enty with which Pra Regional Medical Center arranges to carry out its programs and acvies. 2 0 1 7 B e n e f i t S p o n s o r s