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EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byWilmington Maternal-Fetal Medicine 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 - 2025 Wilmington Maternal-Fetal Medicine As an employee of Wilmington Maternal-Fetal Medicine, 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 2024-2025 plan year, Wilmington Maternal-Fetal Medicine 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 Wilmington Maternal-Fetal Medicine 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 Wilmington Maternal-Fetal Medicine 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 1st of the month following date of hireBenefits End Last day of employmentDependents Your legal spouse, and dependent children up to age 26Domestic Partner Same and opposite gender

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 - 2025 Wilmington Maternal-Fetal Medicine Comparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue Options Silver 3000 HSA Blue Options Gold 2500Benefit Period 07/01 – 06/30 07/01 – 06/30Deductibles (Individual / Family)$3,000/$6,000 (Family Member: $6,000)$2,500/$5,000Out-of-Pocket Max (Individual / Family)$8,050/$16,100 (Family Member: $8,050)$6,000/$12,000Preventive Care Covered in full Covered in fullPrimary Care Visit 30% after deductible$25 Copay (Register your PCP in Blue Connect and copay is waived for 1st three visits)Specialist Visit 30% after deductible $50 CopayTelehealth via Teladoc 30% after deductible $10 CopayUrgent Care 30% after deductible $50 CopayEmergency Room 30% after deductible $750 CopayOutpatient Procedure 30% after deductible 20% after deductibleInpatient Visit 30% after deductible 20% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-530% after deductible$4/$15/$35/$50/25%* *(min $50,max $100)MEDICALThe 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 - 2025 Wilmington Maternal-Fetal Medicine 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 Wilmington Maternal-Fetal Medicine, 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) Blue Options Silver 3000 HSA Blue Options Gold 2500Employee $0.00 $78.18Employee + Spouse $301.71 $458.07Employee + Child(ren) $256.45 $401.09Family $633.59 $875.94Your 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 - 2025 Wilmington Maternal-Fetal Medicine Employees 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 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 855-549-2214Refer 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 - 2025 Wilmington Maternal-Fetal Medicine Annual Deductible - The amount you must pay each year before the plan starts paying a portion of medical expenses. All family members’ expenses that count toward a health plan deductible accumulate together in the aggregate; however, each person also has a limit on their own individual accumulated expenses (the amount varies by plan).Copays and Coinsurance - These expenses are your share of cost paid for covered health care services. Copays are a fixed dollar amount and are usually due at the time you receive care. Coinsurance is your share of the allowed amount charged for a service and is generally billed to you after the health insurance company reconciles the bill with the provider.Out-of-Pocket Maximum - This is the total amount you can pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Most expenses that meet provider network requirements count toward the annual out-of-pocket maximum, including expenses paid to the annual deductible, copays and coinsurance. MEDICAL PLAN INFORMATION - Defined

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 - 2025 Wilmington Maternal-Fetal Medicine A health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP while saving 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. Wilmington Maternal-Fetal Medicine will contribute $500 to your HSA account – this goes towards your maximum contribution. The IRS has established the following maximum HSA contributions:2024 Tax Year 2025 Tax Year$4,150 Individual / $8,300 Family $4,300 Individual / $8,550 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 - 2025 Wilmington Maternal-Fetal Medicine Optional pages follow

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 - 2025 Wilmington Maternal-Fetal Medicine

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 - 2025 Wilmington Maternal-Fetal Medicine This Is How An FSA Works:• You set aside money for your FSA from your paycheck before taxes are taken out.• You then use your pre-tax FSA funds throughout the plan year to pay for eligible health care or dependent care expenses.• You save money on expenses you're already paying for. You have 2.5-month grace period to incurred expenses after the plan year or you will forfeit any unused funds. Refer to your FSA documentation for more details.(Please note: If you have an HSA, you cannot have a Health FSA, but you can have a Dependent Care FSA)Health FSA Eligible Expenses The annual maximum contribution for 2024 is $3,200. This can be used for eligible health care related expenses, including medical, dental and vision expenses.• Medical expenses: copays, coinsurance and deductibles• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgery• Professional services: physical therapy, chiropractic and acupuncture• Prescription drugs and insulin• Over-the-counter health care items such as bandages, pregnancy tests and blood pressure monitorsDependent Care FSA Eligible Expenses• Care for your child who is under the age of 13• Before-school and after-school care• Babysitting and nanny expenses• Day care, nursery school and preschool• Summer day camp• Care for a relative who is physically or mentally incapable of self-care and lives in your homeRefer to your FSA documentation for more information. FLEXIBLE SPENDING ACCOUNT (FSA) – Provided by Ameriflex

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 - 2025 Wilmington Maternal-Fetal Medicine Summary of CoverageCoverage Provided by Companion Life In-NetworkLifetime Deductible $100 per covered individualPreventive Care Covered in fullBasic Procedures (sealants, fillings, etc.)80%Major Procedures(crowns, dentures, etc.)50%Child Orthodontics (up to age 19) - $1,000 lifetime max50% Contract Year 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 Period (26)Employee$21.12Employee + Spouse$41.03Employee + Children$53.90Employee + Family$70.59Your 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 - 2025 Wilmington Maternal-Fetal Medicine Summary of CoverageCoverage provided by Companion Life In-NetworkVision Exam (Once per year) $15 CopayLenses/Frames (once per year) $120 Allowance / $15 CopayStandard Contact Lenses Fitting $15 CopayElective Contact Lenses $120 AllowanceVISIONOur vision coverage is provided by Companion Life. Please review your plan documents for additional details.Pricing Per Pay Period (26)Employee$3.72Employee + Spouse$7.42Employee + Children$7.81Employee + Family$11.61Your 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 - 2025 Wilmington Maternal-Fetal Medicine Summary of CoverageCoverage provided by Companion LifePlan FeaturesEmployee Benefit Amount $50,000Benefit Reduces by 35% at age 65, 50% at age 70, 75% at age 75Group 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 LIFE and AD&D INSURANCESummary of CoverageLife Benefit Employee Spouse DependentAmount $25,000 increments $12,500 increments $2,500 incrementsMinimum Amount $25,000 $12,500 $2,500Maximum Amount $250,000 (up to 7x salary)$125,000 (not to exceed 50% of employee amount)$10,000Guarantee Issue (Newly Eligible Employees)$100,000 $50,000 N/ABenefits Will Reduce By35% at age 65, 50% at age 70, 65% at age 75, 80% at age 8035% at age 65, 50% at age 70, 65% at age 75, 80% at age 80N/AVOLUNTARY LIFE and AD&D INSURANCEFor summary of rate sheet, please see carrier summary or Employee Navigator.Cost is age-banded and based on employee’s age.

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 - 2025 Wilmington Maternal-Fetal Medicine Summary of CoverageCoverage provided by Companion Life Coverage provided by PrincipalPlan Features Short Term Long TermCoverage Paid By Employee EmployeeTaxation Benefits are taxable Benefits are taxableEmployee Benefit Amount 60% of covered earnings 50% of covered earningsMaximum Benefit Amount $1,250 per week $8,000 per monthElimination Period (Accident) Day 8 After 180 daysElimination Period (Sickness) Day 8 After 180 daysBenefit Duration Up to 26 weeks SSNRADisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term, while Long-Term coverage is available for extended disabilities. 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 Guide2024 - 2025 Wilmington Maternal-Fetal Medicine Voluntary Benefits are offered to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.Worksite BenefitsProvided by AllstateAccident Insurance Pays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents. These accidents include the below - Benefit Amounts Cost Per Pay Period (26)

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 - 2025 Wilmington Maternal-Fetal Medicine Hospital Indemnity This plan with Allstate works as a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. Hospital Indemnity can help cover unplanned medical expenses such as hospital admission or an ICU visit for a covered sickness or injury. - Benefits Include - Hospital Admission (1 confinement per month) – $1,000 Hospital Confinement (per day / max of 1-10 days per covered illness) - $100 Cost Per Pay Period (26) Critical IllnessThis Allstate plan pays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses.Covered Illnesses Include: Invasive cancer Heart attack Stroke Paralysis End-stage kidney failure Major organ transplant See benefit summary for all covered conditions. This plan also features a $100 annual health screening benefit for each covered member. Pricing Per Pay Period (26)- see chart below

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 - 2025 Wilmington Maternal-Fetal Medicine Carrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedicalBlueCross BlueShield of NC888-206-4697 https://www.bluecrossnc.com/ Dental/Vision Companion Life (800) 753-0404 http://www.companionlife.com/ Long-Term DisabilityPrincipal (800) 986-3343 http://www.principal.com/ Basic Life AD&D- Vol Life AD&DCompanion Life (800) 753-0404 http://www.companionlife.com/ Short-Term DisabilityCompanion Life (800) 753-0404 http://www.companionlife.com/ FSA Ameriflex (844) 423-4636 http://www.myameriflex.com/ Critical Illness Accident Insurance Hospital IndemnityAllstate (800) 521-3535 http://www.allstatebenefits.com/

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Wilmington Maternal-Fetal Medicine