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EMPLOYEE BENEFITSGUIDE2023 - 2024An overview of the wide array of benefits provided byNash OB-GYN Associates 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 Nash OB-GYN Associates As an employee of Nash OB-GYN Associates, 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, Nash OB-GYN Associates 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 Nash OB-GYN Associates 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 Nash OB-GYN Associates 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 60 days after hireBenefits End End of the contract month following employment terminationDependents 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 Nash OB-GYN Associates Comparison of PlansCoverage Provided by NCMS through Blue Cross of NCIn-Network PPO 3500-80 HDHP 2700-80Benefit Period Plan Year: 6/1- 5/31 Plan Year: 6/1- 5/31Deductibles (Individual / Family) $3,500/$10,500Individual $2,700/ Family member-$5,450/Family $5,450Preventive Care Covered in full Covered in fullPrimary Care Visit$35 Copay *Register your PCP on BlueConnectNC.com and 1stthree visits’ copay waived.20% after deductibleSpecialist Visit $70 Copay 20% after deductibleTelehealth via Teladoc $35 Copay 20% after deductibleUrgent Care $100 Copay 20% after deductibleEmergency Room $1,000 Copay 20% after deductibleOutpatient Procedure 20% after deductible 20% after deductibleInpatient Visit 20% after deductible 20% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5$10/$25/$40/$80/25% (max$100)20% after deductibleLens and Frames Coverage Covered up to $130, then 90% 20% after deductibleOut-of-Pocket Max (Individual / Family)$8,150/$16,300Individual $5,000/ Family member-$6,550/Family $10,000MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your NCMS 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 Nash OB-GYN Associates Wellness 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 Nash OB-GYN Associates, 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) PPO 3500-80 HDHP 2700-80Employee$20.00 $20.00Employee + Spouse$347.04 $304.44Employee + Child$123.73 $110.09Employee + Children$264.10 $232.25Employee + Family$586.31 $512.68Your Medical Cost: Per Pay Period

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 Nash OB-GYN Associates Employees 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 Nash OB-GYN Associates Through our partnership with NCMS, enrolled members have access to several additional programs to help support you in achieving a healthy balanced life.Nurse Support Program Condition CareManaging a chronic condition can be complicated. This BCBSNC program connects you to additional tools, resources and care if you have a condition such as:• Asthma• Chronic Obstructive Pulmonary Disease• Congestive Heart Failure• Coronary Artery Disease• Diabetes• HypertensionA Nurse Advocate may call you to provide one-on-one support. If you have not already been contacted by the Nurse Advocate, you can call 1-888-229-8510, Monday through Friday, between 9:00 a.m. and 7:00 p.m.Eat Smart, Move More, Weigh LessEat Smart, Move More, Weigh Less is an online weight management program that uses strategies proven to work for weight loss and maintenance. Each lesson informs, empowers and motivates participants to live mindfully as they make choices about eating and physical activity.Nutrition Counseling Total Nutrition Technology provides members with a custom-built nutrition plan and exercise guidelines to fit each member’s lifestyle and dietary objectives. To get started on your wellness journey, complete and submit this form: https://www.totalnutritiontechnologycharlotte.com/curi-member-form/. Employee Assistance ProgramVITAL WorkLife is available to assist you and your family with life issues which are confronting you., such as grief, anxiety, problems with your children, substance abuse and more. Unlimited phone consultation and website access to articles, assessments, seminars and much more. Face to face counseling is available. Legal, financial and identity theft services can also be accessed. Contact VITAL WorkLife at 800-383-1908 or visit www.vitalworklife.com username: ncmsplan; password: ncmsplan.MEDICAL SUPPORT PROGRAMS

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 Nash OB-GYN Associates Our EAP through VITAL WorkLife offers free, confidential assistance at no cost to you.• Unlimited phone support 24/7• Face-to-Face or Virtual Counseling sessions• Coaching Sessions• Online Resources• Articles• Website• Online Seminars• Guided Education ModulesOur EAP Provides Support For:• Grief• Anxiety/Stress• Problems with your children• Substance Abuse• Financial Counseling• Legal advice and referrals• And moreEMPLOYEE ASSISTANCE PROGRAM (EAP)Call: 800.383.1908 Or visit: VITALWorkLife.com Username: ncmsplanPassword: ncmsplan

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 Nash OB-GYN Associates A 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 HealthEquity HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. 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 Nash OB-GYN Associates Summary of CoverageCoverage Provided by Delta Dental In-NetworkAnnual Deductibles(Individual / Family)$50/$150Preventive Care Covered in fullBasic Procedures (simple extractions, fillings, etc.)20% after deductible Major Procedures(crowns, dentures, etc.)50% after deductibleCalendar Year Maximum Benefit $1,250 per covered memberChild Orthodontics/Age Limit 50% after deductible/ through age 18 & underChild Orthodontics Lifetime Maximum $1,000DENTALBelow 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 PeriodEmployee $18.12Employee + Spouse $36.23Employee + Children $50.56Employee + Family $75.23Your 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 Nash OB-GYN Associates Summary of CoverageCoverage provided by NCMS through USAblePlan Features100% Employer PaidEmployee Benefit Amount $25,000Benefit Reductions begin by35% at age 65, 50% at age 70, 75% at age 75, and terminates at retirement.Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. If you believe you need additional coverage, you may wish to enroll in voluntary life insurance as well. Employees must fill out an EOI form if they exceed the guaranteed issue amount.GROUP TERM LIFE and AD&D INSURANCE

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 Nash OB-GYN Associates Colonial 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:1. Group Medical Bridge - Hospital indemnity insurance- 100% covered for all employees by employer2. Short –Term Disability insurance3. Accident insurance4. Cancer insurance5. Critical illness insurance6. Term life insurance7. Whole life insuranceIf guaranteed-issue coverage is available, you won’t have to answer health questions. For more details and rates, talk with yourColonial Life benefits counselor. Benefits may be subject to a pre-existing condition provision.Group Medical Bridge (Hospital Indemnity Insurance) -100% covered for all employees by employer- GET HELP WITH RISING HEALTH CARE COSTSIf 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 packageWITH 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.Short-Term Disability Insurance - HELP PROTECT YOUR INCOMELosing 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 othereveryday 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.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 Nash OB-GYN Associates Accident Insurance – YES … ACCIDENTS CAN HAPPEN TO ANYONEYou never know when you or someone you love could get hurt in an accident. And accidents come with costs, such as emergency roomfees, 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.Critical Illness - YOU CAN’T PREDICT AN ILLNESS, BUT YOU CAN BE PREPAREDNo 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.

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 Nash OB-GYN Associates Whole Life insurance - LIFE INSURANCE THAT COMES WITH GUARANTEES — BECAUSE LIFE DOESN’TYou 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 MOSTLife insurance needs change as life circumstances change. You may need different coverage if you’re getting married, buying ahome, 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 coverageduring life stages when obligations are higher, such as while children are younger. It’s also a good option for families on atight 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 Nash OB-GYN Associates Summary of CoverageCoverage provided by UnumPlan Features Long Term DisabilityCoverage Paid By EmployerEmployee Benefit Amount 60% of monthly earningsMaximum Benefit Amount $15,000Elimination Period (Accident) 90 daysElimination Period (Sickness) 90 daysBenefit Duration SSNRALong-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 Nash OB-GYN Associates This page intentionally left blank

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2023 - 2024Nash OB-GYN Associates