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EMPLOYEE BENEFITSGUIDE2023 - 2024An overview of the wide array of benefits provided bySouth Charlotte Rheumatology to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyAs an employee of South Charlotte Rheumatology, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2023 – 2024 plan year, South Charlotte Rheumatology has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and South Charlotte Rheumatology is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your South Charlotte Rheumatology benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 1stof the month following 3o days after hireBenefits End Last day of employmentDependents Your legal spouse, dependent children up to age 26Domestic Partner Same and opposite sex

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyComparison of PlansCoverage Provided by Blue Cross of NCIn-Network Silver 3000 HSA Gold 3000Benefit Period Plan Year: 12/1 – 11/30 Plan Year: 12/1 – 11/30Deductibles (Individual / Family) $3,000/$6,000Individual: $3,000/ Family Member: $6,000/ Family Total: $6,000Preventive Care Covered in full Covered in fullPrimary Care Visit$55 Copay *Register your PCP on BlueConnectNC.com and 1st three visits’ copay waived.0% after deductibleSpecialist Visit $110 Copay 0% after deductibleTelehealth via Teladoc $10 Copay 0% after deductibleUrgent Care $110 Copay 0% after deductibleEmergency Room $1,500 Copay 0% after deductibleOutpatient Procedure 30% after deductible 0% after deductibleInpatient Visit 30% after deductible 0% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-6$15,$35,$45,$90,25% (max $200), 50% (max $300)0% after deductibleOut-of-Pocket Max (Individual / Family)$8,700/$17,400Individual: $3,000/ Family Member: $6,000/ Family Total: $6,000MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your BCBSNC plan documents for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by South Charlotte Rheumatology, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREPricing Per Pay Period (26) Silver 3000 HSA Gold 3000Employee $90.25 $116.24Employee + Spouse $348.10 $400.08Employee + Child(ren) $309.42 $357.50Employee + Family $631.74 $712.31Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyEmployees and dependents enrolled in our medical have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyA health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP whilesaving for your out-of-pocket eligible health care expenses. The HSA is your personal bank account and can be used for you and your dependents now and in the future.Why Is It A Good Idea To Have An HSA?HSAs benefit everyone who is eligible to have this account, including single individuals, families and soon-to-be retirees. Yousave money on taxes in three ways:• Tax-Free Deposits: The money you contribute to your HSA isn't taxed (up to the IRS annual limit)• Tax-Free Earnings: Your interest and any investment earnings grow tax-free• Tax-Free Withdrawals: The money used toward eligible health care expenses isn't taxed now or in the futureSetting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30% tax bracket, you can save $30 on every $100 spent on eligible health care expenses.HSA funds roll over from year to year and accumulate in your account. There is no "use-it-or-lose-it" rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. Also, when you have a certain balance in your HSA, investment opportunities are available.Who is Eligible?You are eligible to contribute to an HSA if:• You are enrolled in a qualified HDHP• You are not enrolled in a copay plan such as a spouse’s non-HDHP, Medicare, Medicaid or Tri-Care• You or your spouse is not enrolled in a full purpose Health Care Flexible Spending AccountRefer to your HSA documentation for more information.HSA Contribution LimitsYou can contribute to your Bank of America HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. South Charlotte Rheumatology will contribute $100 to start the account. The IRS has established the following maximum HSA contributions:2023 Tax Year 2024 Tax Year$3,850 Individual / $7,750 Family $4,150 Individual / $8,300 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. HEALTH SAVINGS ACCOUNT (HSA)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologySummary of CoverageCoverage Provided by Colonial Life In-NetworkAnnual Deductibles(Individual / Family)$50/$150 Preventive Care Covered in fullBasic Procedures (simple extractions, fillings, etc.)20% after deductibleMajor Procedures (12 month waiting period)(crowns, dentures, etc.)50% after deductibleChild Orthodontics Not coveredCalendar Year Maximum Benefit $2,000 per covered memberDENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay Period (26)Employee $18.56Employee + Spouse $35.22Employee + Children $44.44Employee + Family $65.90Your Cost- Dental Coverage only

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologySummary of CoverageCoverage provided by Colonial Life In-NetworkVision Exam (Once per 12 months)$10 CopayLenses (Once per 12 months)$25 CopaySingle Covered by CopayBifocal Covered by CopayTrifocal Covered by CopayFrames (Once per 12 months)$120 AllowanceStandard Contact Lenses Fit & Follow Up ExamIncluded in AllowanceElective Contact Lenses (Once per 12 months - in lieu of eyeglass lenses and frames)$120 AllowanceMedically Necessary Contact Lenses (Once per 12 months - in lieu of eyeglass lenses and frames)$210 AllowanceVISION- Available only as an addition to Dental coverageOur vision coverage is provided by Colonial Life. Vision coverage is only available as an add-on to Dental coverage. Please review your plan documents for additional details. Total cost for Vision and Dental coverage combined is shown on the bottom graph.Pricing Per Pay Period (26)Employee $21.55Employee + Spouse $41.13Employee + Children $50.66Employee + Family $75.64Your Cost- Includes Vision and Dental Coverage

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyColonial Life – Voluntary Benefits You never know when an unexpected illness or injury could leave you and your family with financial difficulties. Health insurance can help, but you can still have deductibles, co-payments, and other out-of-pocket expenses. That’s where voluntary benefits come in. Sometimes called supplemental insurance, voluntary benefits are designed to complement your health insurance and help provide extra financial protection. This year, your employer is helping you protect your way of life by giving you the opportunity to purchase the following voluntary benefits from Colonial Life: Disability insurance Accident insurance Medical Bridge – Hospital Indemnity insurance Cancer insurance Critical illness insurance Term life insurance Whole life insurance If guaranteed-issue coverage is available, you won’t have to answer health questions. For more details and rates, talk with your Colonial Life benefits counselor. Benefits may be subject to a pre-existing condition provision. Disability Insurance - HELP PROTECT YOUR INCOME Losing just one paycheck would be difficult, but a disability could have you out of work for weeks or even months. And while your paychecks might stop, your bills would continue coming. Without your income, how would you pay for housing, utilities, and other everyday living expenses? Disability insurance from Colonial Life helps protect your income, so you can have help paying the bills while you recover from a covered accidents, sickness, and maternity. FEATURES – Colonial Life – ISTD3000: • Employee may choose plan design and amount of disability benefits to meet their needs – subject to income requirements. • Benefits are payable for as long as the employee remains disabled up to the benefit period selected. • Monthly Benefit amounts: coverage maximum is up to 60% of gross monthly earnings from $400 - $6,500. • Premiums do not go up with your age; Age rated premium – Age brackets include: (17-49) (50-64) (65-74) • Coverage - Off-Job Only Accident and Off-Job Only Sickness • Benefit Period options: 3 Months or 6 Months; ask Rep for details. • Elimination Period: is the number of days following a Disability before benefits again. Various options include: o 0-day Accident & 7-day Sickness o 0-day Accident & 14-day Sickness o 14 -day Accident & 14-day Sickness • Maternity benefit, Complications due to pregnancy are viewed as a normal sickness. • First Day Hospital Benefit (Waiver of Elimination Period for 1st Day of Hospital Confinement Benefit. • Benefits are paid directly to the insured unless they specify otherwise. • Total and partial disability benefits. Pays partial benefits after total disability benefits are paid, if the insured returns to work less than 20 hours per week. • Guaranteed renewable. • Coverage is portable. An employee can take this coverage with him if he changes jobs or leaves your company. • Worldwide coverage. Unisex rates. Premiums are the same for males and females. • Waiver of premium after insured is disabled for 90 consecutive days. • No integration. WITH THIS COVERAGE: • You can choose the amount of your disability benefits, subject to income. • Benefits are payable regardless of any other insurance you may have with other companies. • Benefits are payable directly to you, and you can use these benefits however you choose.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyAccident Insurance – YES … ACCIDENTS CAN HAPPEN TO ANYONE You never know when you or someone you love could get hurt in an accident. And accidents come with costs, such as emergency room fees, doctor’s bills, and lost income from missing work. Even if you have good health insurance, deductibles and co-pays can really add up. With accident insurance from Colonial Life, you can receive benefits to help with the expenses of a covered accident. This financial protection can help you focus on what really matters: healing. WITH THIS COVERAGE: • A set amount is payable based on the injury you suffer and the treatment you receive. • You do not need to answer medical questions or have a physical exam to get basic coverage. • Unlike workers’ compensation, which only covers on-the-job injuries, accident insurance covers injuries that happen on the job or off the job. • Coverage is available for you, your spouse, and eligible dependent children. Cancer Insurance - WOULD YOU BE FINANCIALLY PREPARED FOR CANCER? If you were diagnosed with cancer, you could have expenses that medical insurance doesn’t cover. In addition to your regular, ongoing bills, you could have to pay for out-of-network treatment, childcare, home health care services, and other indirect treatment and recovery costs. Hopefully, you and your family will never face cancer. If you do, cancer insurance from Colonial Life can help protect the lifestyle you’ve worked to build. WITH THIS COVERAGE: • Coverage options are available for you and your eligible dependents. • Benefits are payable regardless of any other insurance you may have with other companies. • You can use benefits to help pay for travel to and from treatment centers, lodging and meals, deductibles – or any other way you choose. • You may have the option of purchasing additional riders for even more financial protection against cancer. Medical Bridge (Hospital Indemnity Insurance) – HELP COVER DEDUCTIBLE AND CO-INSURANCE COST If you’re admitted to the hospital because of a covered accidents, sickness, and maternity it’s important to focus on your recovery – not your finances. That’s easier said than done if you have costly co-payments, deductibles and other expenses coming your way. Hospital indemnity insurance from Colonial Life can help you pay for medical expenses that your health insurance may not cover for the following medical services: • Hospital confinement • Outpatient surgical procedures • Diagnostic procedures • Wellness screenings • Medical treatment package WITH THIS COVERAGE: • Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit. • Coverage is available for you, your spouse, and eligible dependent children. • Benefits are payable regardless of any other insurance you may have with other companies.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte RheumatologyCritical Illness - YOU CAN’T PREDICT AN ILLNESS, BUT YOU CAN BE PREPARED No matter where you are in life, you never know when you or a loved one could experience a critical illness, such as a heart attack or stroke. Medical advancements and early detection are helping many people survive critical illnesses. However, preventive tests and treatment can lead to increased medical expenses, and your health insurance may not cover these costs. Critical illness insurance from Colonial Life helps supplement your major medical coverage by providing a lump-sum benefit you can use to pay the direct and indirect costs related to a covered critical illness. WITH THIS COVERAGE: • Benefits are payable directly to you unless you specify otherwise. • You may receive additional benefits if you’re diagnosed with more than one critical illness. • Coverage options are available for you, your spouse, and eligible dependent children. Whole Life insurance - LIFE INSURANCE THAT COMES WITH GUARANTEES — BECAUSE LIFE DOESN’T You can’t predict the future, but you can rest easier knowing you have life insurance with lifelong guarantees. Whole life insurance provides features – cash value accumulation, premium rates, and a death benefit (minus any loans and loan interest) – that help ensure those benefits will be there to help protect your family’s way of life. WITH THIS COVERAGE: • Life insurance benefits for the beneficiary are typically free from income tax. • You have three opportunities to purchase additional coverage with no proof of good health required if you are 55 or younger when you initially purchase coverage. • The policy’s accelerated death benefit can pay a percentage of the death benefit if the covered individual is diagnosed with a terminal illness. Accelerated benefit payments will reduce the amount the policy pays upon the recipient’s death. • A $3,000 immediate claim payment can be paid to the designated beneficiary as an advance of the death benefit. Term Life insurance - LIFE INSURANCE PROTECTION WHEN YOU NEED IT MOST Life insurance needs change as life circumstances change. You may need different coverage if you’re getting married, buying a home, or having a child. Term life insurance from Colonial Life provides protection for a specified period of time, typically offering the greatest amount of coverage for the lowest initial premium. This fact makes term life insurance a good choice for supplementing cash value coverage during life stages when obligations are higher, such as while children are younger. It’s also a good option for families on a tight budget – especially since you can convert it to a whole life insurance plan later. WITH THIS COVERAGE: • A beneficiary can receive a benefit that is typically free from income tax. • The policy’s accelerated death benefit can pay a percentage of the death benefit if the covered person is diagnosed with a terminal illness. Accelerated benefit payments will reduce the amount the policy pays upon the recipient’s death. • You can convert it to a Colonial Life cash value insurance plan, with no proof of good health, to age 75.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte Rheumatology Summary of CoverageCoverage provided by MGISPlan Features Long Term DisabilityCoverage Paid By EmployerEmployee Benefit Amount 60% of monthly earningsMaximum Benefit Amount (Class 2) $5,000, (Class 3) $3,000Elimination Period (Accident) 90 daysElimination Period (Sickness) 90 daysBenefit Duration Typically until age 65; in some cases longerLong-Term Disability insurance is coverage that provides you with income protection should you be unable to work due to an extended injury or illness. With long–term disability coverage, you are compensated for a portion of your lost income. LONG-TERM DISABILITY INSURANCEPlease note, a pre-existing condition period may apply once you become covered. Please see policy for more information.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024 South Charlotte Rheumatology This page was intentionally left blank.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2023 - 2024South Charlotte Rheumatology