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Message EMPLOYEE BENEFITSGUIDE2025 - 2026An overview of the wide array of benefits provided byThe Family Health Centers 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 Guide2025 - 2026 The Family Health CentersAs an employee of The Family Health Centers, 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 2025 – 2026 plan year, The Family Health Centers 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 The Family Health Centers 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 The Family Health Centers 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 30 days of full-time employmentBenefits End End of the month following 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 Guide2025 - 2026 The Family Health CentersComparison of PlansCoverage Provided by the NCMS Employee Benefit PlanIn-Network PPO 1500-70 PPO 1-2-3 1500 HDHP 2700-80Benefit Period Plan Year: 9/1 – 8/30 Plan Year 9/1 – 8/30 Plan Year: 9/1 – 8/30Deductibles(Individual / Family)$1,500/$4,500 $1,500/$3,000$2,700/$5,450(Family member $5,450)Out-of-Pocket Max (Individual / Family)$5,000/$10,000 $4,500/$9,000$5,000/$10,000(Family member $6,550)Preventive Care No cost; covered at 100% No cost; covered at 100% No cost; covered at 100%Primary Care Visit $35 copay* $35 copay* 20% after deductible*Specialist Visit $70 copay 30% after deductible 20% after deductibleTelehealth via Teladoc $35 copay $35 copay 20% after deductibleUrgent Care $75 copay 30% after deductible 20% after deductibleEmergency Room $750 copay 30% after deductible 20% after deductibleInpatient Visit 30% after deductible$250 copay per admit, then 10% after deductible20% after deductibleOutpatient Procedure 30% after deductible 30% after deductible 20% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5$10/$25/$40/$80/25%**max $100$10/$25/$40/$80/25%**max $10020% after deductibleLens and Frames Coverage 100% to $130, then 10% 100% to $130, then 10% 20% after deductibleMEDICALThe 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. Benefits outlined here show the member responsibility.*Register your PCP in Blue Connect and copay is waived for 1st three visits

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 Guide2025 - 2026 The Family Health CentersPricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $142.44 $71.22 $0.00Employee + Spouse $289.15 $217.93 $146.71Employee + Child $189.44 $118.22 $47.00Employee + Children $252.12 $180.90 $109.68Employee + Family $395.98 $324.76 $253.54YOUR COSTPPO 1500-70PPO 1-2-3 1500HDHP 2700-80Pricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $132.72 $66.36 $0.00Employee + Spouse $269.42 $203.06 $136.70Employee + Child $176.52 $110.16 $43.80Employee + Children $234.91 $168.55 $102.19Employee + Family $368.96 $302.60 $236.24Pricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $40.00 $20.00 $0.00Employee + Spouse $144.37 $124.37 $104.37Employee + Child $73.44 $53.44 $33.44Employee + Children $118.02 $98.02 $78.02Employee + Family $220.92 $200.92 $180.92

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 Guide2025 - 2026 The Family Health CentersSeeking medical care when an acute situation arises can be stressful. Knowing your options can save you time and money. Know Where To GoThree ways to find a BCBSNC provider/facility:Visit: www.bluecrossnc.comCall: 877-275-9787 orDownload the Mobile AppThis grid offers a general guide for seeking care. If you believe you are experiencing a medical emergency, go to your nearest emergency room or call 911.Three ways to access Teladoc:Download the Teladoc mobile appRegister at: www.Teladoc.comCall: 855-549-2214Where When WhyPrimary Care$Routine check-ups and screenings, preventive care, non-urgent treatment, chronic disease managementEstablishing a PCP is important for your overall wellbeingVirtual Visits$Allergies, cold, cough, flu, fever, sore throat, ear problems, diarrhea, pink eye, sinus infections, insect bites, behavioral healthAvailable 24 hours 7 days a weekConvenience Care$$Ear infections, sore throat, bronchitis, pink eye, rashes, flu shots, vaccines, screeningsWhen you can’t get into your doctor's officeUrgent Care$$Sprains and strains, small cuts, common infections, flu, fever, vomiting, sports injuries, insect bitesAfter Hours CareEmergency Room$$$Uncontrolled bleeding, shortness of breath, chest pains, stroke symptoms, major burns, head injuries, unconsciousness, poisoning, broken bonesLife Threatening Emergency

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 Guide2025 - 2026 The Family Health CentersWellness 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 The Family Health Centers, 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 CARE

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 Guide2025 - 2026 The Family Health CentersEmployees 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 Guide2025 - 2026 The Family Health CentersThrough 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.To register visit: https://esmmweighless.com/howitwork/enroll-choose-a-class/ and enter the employer code: ASONCMSTheFHC. 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/. 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 Guide2025 - 2026 The Family Health CentersThe NCMS sponsored 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 800-383-1908Or visit www.VITAL.WORKLife.comUsername; 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 Guide2025 - 2026 The Family Health CentersA 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 Health Equity HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. The IRS has established the following maximum HSA contributions:2025 Tax Year 2026 Tax Year$4,300 Individual / $8,550 Family $4,400 Individual / $8,750 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 Guide2025 - 2026 The Family Health CentersThis 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.Our plan through TASC, offers a carry over up to $660 of unused funds to the following year. OR If you don’t use it, you lose it. Refer to your FSA documentation for more details.Health FSA Eligible 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)

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 Guide2025 - 2026 The Family Health CentersSummary of CoverageCoverage Provided by Delta DentalHigh Plan w/OrthoIn NetworkLow PlanIn NetworkAnnual Deductibles(Individual / Family)$50/150 $0/$0Preventive Care No cost; covered at 100% No cost; covered at 100%Basic Procedures (extractions, fillings, etc.)20% after deductible 20% after deductibleMajor Procedures(crowns, dentures, etc.)50% after deductible 50% after deductibleChild Orthodontics (through age 18)50%$1,500 lifetime max per childNot coveredCalendar Year Maximum Benefit$5,000 $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. Benefits shown below capture member responsibility.Late entrant penalties may apply; please see carrier certificate for 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 Guide2025 - 2026 The Family Health CentersPricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $5.99 $3.00 $0.00Employee + One $11.74 $8.75 $5.75Employee + Two or More $22.05 $19.06 $16.06YOUR COSTHigh Plan w/OrthoLow PlanPricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $3.86 $1.93 $0.00Employee + One $7.43 $5.50 $3.58Employee + Two or More $13.03 $11.10 $9.17

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 Guide2025 - 2026 The Family Health CentersSummary of CoverageCoverage provided by Delta Vision In-NetworkVision Exam (Once per 12 months) $10 copayLenses (Once per 12 months) $10 copayFrames (Once every 2 years) $ 150 allowanceElective Contact Lenses (in lieu of lenses and frames)$150 allowanceVISIONOur vision coverage is provided by Delta Vision using the VSP provider network. Please review your plan documents for additional details. Benefits captured below reflect member responsibility.Pricing Per Pay PeriodEmployee $2.88Employee + Spouse $5.76Employee + Child(ren) $6.18Employee + Family $9.86Your CostFor a detailed plan summary with an overview of benefits and allowances by lenses type, etc. please see carrier benefit summary.

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 Guide2025 - 2026 The Family Health CentersSummary of CoverageCoverage provided by USAblePlan Features Providers & Managers StaffEmployee Benefit Amount $75,000 $30,000Maximum Benefit Amount $75,000 $30,000AD&D Benefit $75,000 $30,000Benefit Reductions begin at age 65 65Group 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 your dependents in voluntary life insurance. GROUP LIFE and AD&D INSURANCESummary of CoverageLife Benefit SpouseChild(ren) 6 mos-26 yrsChild(ren) 14 days-6 mosLife Amount $10,000 $5,000 $500AD&D Amount $10,000 $5,000 $500Per pay period cost $0.69DEPENDENT VOLUNTARY 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 Guide2025 - 2026 The Family Health CentersCarrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedical NCMS/BCBSNC 888-206-4697 www.bcbsnc.com Dental & Vision Delta Dental 800-662-8856 www.deltadentalnc.com Life USAble 800-370-5856 www.usablelife.com EAP Vital WorkLife 800-383-1908www.VITALWorkLife.comUsername/Password:ncmsplanFSA TASC 800-422-4661 www.tasconline.com HSA Health Equity 866-346-5800 www.healthequity.com Telehealth Teledoc 800-835-2362 www.teladoc.com How to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical BCBSNCHard copy ID cards are issued and mailed to your home address.Electronic copies can be accessed here: https://member.BCBSNC.com/blueconnect/web/registrationDental Delta DentalNo ID card is issued. Electronic copies can be accessed here: www.memberportal.com Vision DeltaVision/ VSP No ID card is issued. Electronic copies can be accessed here: www.memberportal.com

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 Guide2025 - 2026 The Family Health CentersDeductible: 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 $100 deductible would be required to pay the first $100, in total, of any claims during a plan year.Copayment (Copay): A copay is a flat fee you pay upfront for doctor visits, prescriptions, and other healthcare services. It does not count toward your deductible. Coinsurance: On top of your deductible, coinsurance is a provision in your health plan that shows what percentage of a medical bill you pay 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 a plan. 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 and the 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 to provide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower than in a non-PPOplan.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.Medical Insurance 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 Guide2025 - 2026 The Family Health CentersDental 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 Delta Dental. Participating dentists agree to accept the fee approved by Delta Dental 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 Delta Dental’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 Delta Dental that a Delta Dental Premier dentist has agreed to charge for a service. For Premier dentists, Delta Dental will pay at the MPA or the actual billed amount-whichever is less.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 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 Guide2025 - 2026 The Family Health CentersVision Insurance InformationFrames Allowance: Your allowance is the amount DeltaVision/VSP 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 VSP 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.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2025 - 2026The Family Health Centers