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EMPLOYEE BENEFITSGUIDE2024An overview of the wide array of benefits provided byTaylor Retina Center 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 Guide2024 Taylor Retina CenterAs an employee of Taylor Retina Center, 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 2024 plan year, Taylor Retina Center 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 Taylor Retina Center 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 Taylor Retina Center 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 91 days after date of hireBenefits End End of the contract monthDependents Your legal spouse, and 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 Guide2024 Taylor Retina CenterComparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue Options Bronze 8050 HSA Eligible Blue Options Silver 3000Benefit Period 1/1 – 12/31 1/1 – 12/31Deductibles (Individual / Family)$8,050/$16,100 (Family Member: $8,050)$3,000/$6,000Out-of-Pocket Max (Individual / Family)$8,050/$16,100 (Family Member: $8,050)$9,100/$18,200Preventive Care Covered in full Covered in fullPrimary Care Visit 0% after deductible$55 Copay**Register your PCP in Blue Connect and copay is waived for 1st three visitsSpecialist Visit 0% after deductible $110 CopayTelehealth via Teladoc 0% after deductible $10 CopayUrgent Care 0% after deductible $110 CopayEmergency Room 0% after deductible $1,500 CopayOutpatient Procedure 0% after deductible 30% after deductibleInpatient Visit 0% after deductible 30% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-50% after deductible$100 Pharmacy deductible$15/$35/$45/$90/25%**min. $90 max. $200MEDICALThe 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 Guide2024 Taylor Retina CenterWellness 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 Taylor Retina Center, all covered individuals and family members are eligible to receive routinewellness 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) Blue Options Bronze 8050 HSA Eligible Blue Options Silver 3000Employee$0.00 $0.00Employee + Spouse$193.03 $228.92Employee + Child(ren)$164.08 $194.58Employee + Family$405.37 $480.74Your 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 Guide2024 Taylor Retina CenterEmployees and dependents enrolled in our medical plan 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 specialists. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choicewhen 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 Guide2024 Taylor Retina CenterAmazon PharmacyBlue Cross NC now offers access to Amazon Pharmacy for your mail order needs. This includes Meds Your Way, a discount card that provides additional savings through Amazon Pharmacy. At check out you’ll see the lowest cost available for your prescription. Sign up and learn more at www.amazon.com/bluecrossnc. Mail Order Pharmacy ProgramsWeight Loss Prescription DrugsEffective November 1, 2023, coverage for anti-obesity “weight loss” drugs will be discontinued. These drugs will no longerbe covered due to safety concerns, as well as the lack of data supporting long-term use of these drugs.The following products will be excluded as covered medications:Wegovy LomairaSaxenda PhendimetrazineAdipex-P ContraveBenzphetamine QsymiaDiethylpropion

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 Guide2024 Taylor Retina CenterA 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 are eligible to have this account, including single individuals, families and soon-to-be retirees. You save 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:2024 Tax Year$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 Guide2024 Taylor Retina CenterSummary of CoverageCoverage Provided by Blue Cross of NC In-NetworkAnnual Deductibles(Individual / Family)$50/$150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)20% after deductibleMajor Procedures(crowns, dentures, etc.)50% after deductibleChild Orthodontics (covered through age 18) 50% with a lifetime max. of $1,000Calendar Year Maximum Benefit $1,000 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 $0.00Employee + Spouse$16.21Employee + Children$23.01Employee + Family$41.28Your 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 Guide2024 Taylor Retina CenterSummary of CoverageCoverage provided by Blue Cross of NC In-NetworkVision Exam (Once per plan year)$10 CopayLenses (once per plan year)$25 CopayFrames (Once every 2 years)$150 AllowanceElective Contact Lenses$150 AllowanceMedically Necessary Contact Lenses$0 CopayVISIONOur vision coverage is provided by Blue Cross of NC. Please review your plan documents for additional details.Pricing Per Pay Period (26)Employee $0.00Employee + Spouse $3.53Employee + Children $3.92Employee + Family $7.61Your Cost

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCMedical Insurance InformationDeductible: A deductible is the amount of money you or your dependents must pay toward a health claim before your organization’s health plan makes any payments for health care services rendered. For example, a plan participant with a $5,000deductible would be required to pay the first $5,000, in total, of any claims during a planyear.Coinsurance: On top of your deductible, coinsurance is a provision in your health plan that shows what percentage of a medical bill youpay and the percentage a health plan pays.Out-of-pocket Maximum (OOPM): An OOPM is the maximum amount (deductible and coinsurance) that you will have to pay for covered expenses under aplan. Once the OOPM is reached the plan will cover eligible expenses at 100 percent.Explanation of Benefits (EOB): An EOB is a description your insurance carrier sends to you explaining the health care benefits that you received andthe services for which your health care provider has requested payment.Preferred Provider Organization (PPO): A PPO is a group of hospitals and physicians that contract on a fee-for-service basis with insurance companies toprovide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower than in a non-PPO plan.High Deductible Health Plan (HDHP): An HDHP is a type of insurance plan that offers a low premium offset by a high deductible. Because of the low cost of the plan, the insurer will not cover most medical expenses until the deductible is met. As an exception, preventive care services are typically covered before the deductible is met. HDHPs are often designed to be compatible with heath savings accounts (HSAs), which are tax-advantaged accounts that can be used to pay for qualified out-of-pocket medical expenses before the HDHP’s deductible ismet.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCDental Insurance InformationAnnual Maximum: The total dollar amount that a plan will pay for dental care for an individual member or family member (under a family plan) for a specified benefit period, typically a calendar year.Assignment of Benefits: When a member authorizes the dental plan to forward payment for a covered procedure directly to a member’s dentist.Balance Billing: When a participating dentist bills a member for amounts indicated as not billable to the patient by BCBSNC. Participating dentists agree to accept the fee approved by BCBSNC as payment in full and cannot bill a member for any difference.Benefit Year: The 12-month period a member’s dental plan covers, which is not always a calendar year.Contracted Fee: The fee for each single procedure that a dentist has agreed to accept as payment in full for covered services provided to a member.Covered Service: A dental treatment for which payment is provided under the terms of a member’s dental plan.In-Network Dentist: A dentist who has agreed to be a part of BCBSNC’s network and accept pre-established fees for his or her professional dental services.Lifetime Maximum: The maximum amount a plan will pay over the course of a lifetime. It may apply to an individual or a family and typically applies to specific treatments such as orthodontic treatment.Maximum Plan Allowance (MPA): The amount set by BCBSNC that a BCBSNC dentist has agreed to charge for a service.Waiting Period: A period of time before a member is eligible to receive benefits for all or certain treatments. It typically applies to expensive services such as dentures or crowns.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCVision Insurance InformationFrames Allowance: Your allowance is the amount BCBSNC will cover for your frames or for lens enhancements. For frames, a typical allowance is $150. In that case if you choose frames that cost less than $150, you pay nothing. If you choose frames that cost more than $150, you’ll pay the difference. So, for frames that cost $170, you’ll pay $20 at the doctor’s office.Frequency: How often you can get an exam or eyewear with your BCBSNC network doctor.Lens Enhancement: A lens enhancement or lens option is an elective feature for your prescription lenses designed to improve your overall experience with your glasses. They often improve your vision and/or comfort. Here’s a list of some common lens enhancements:• Scratch-resistant coatings - Reduces normal scratching and pitting on plastic lenses.• Impact-resistant, also referred to as polycarbonate lenses - A lens material that is impact and scratch resistant, light, thin and gives UV protection.• Anti-glare coating, also referred to as anti-reflective coating - Combats eyestrain from glare, reflections and in some cases blue light from digital devices. Protects lenses from scratches.• No-line multifocal, also referred to as progressive lenses - Lenses with multiple prescription zones for near, mid and long-range vision and no visible line separating these zones as you would see on a bi-focal.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

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 Guide2024 Taylor Retina CenterThis page is intentionally blank

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024Taylor Retina Center