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Message EMPLOYEE BENEFITSGUIDE2025An overview of the wide array of benefits provided byWake Radiology 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.2025 Employee Benefits GuideWake RadiologyAs an employee of Wake Radiology, 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 plan year, Wake Radiology 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 Wake Radiology 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 Wake Radiology 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 Wake Radiology Consultant working 20+ 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 First of the month following (or coinciding with) date of hireBenefits EndLife and Disability: date of termAll others: last day of the month following terminationSpouse/Domestic Partners Please note: Spouse/Domestic Partners are not eligible to participate in the Wake Radiology medical plan if they have access to their own employer’s medical plan)Dependent Children Up to age 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.2025 Employee Benefits GuideWake RadiologyComparison of PlansCoverage Provided by Blue Cross of NCIn-Network HDHP with HSA PPO Copay PlanBenefit Period Calendar Year: 1/1 – 12/31 Calendar Year: 1/1 – 12/31Deductibles (Individual / Family)$3,500/$7,000(Family Member: $3,500)$1,500/$3,000Out-of-Pocket Max (Individual / Family)$3,500/$7,000(Family Member: $3,500)$3,500/$7,000Preventive Care No cost; covered at 100% No cost; covered at 100%Primary Care Visit 0% after deductible $25 Copay*Specialist Visit 0% after deductible $50 CopayTelehealth via Teladoc 0% after deductible $10 CopayUrgent Care 0% after deductible $50 CopayEmergency Room 0% after deductible $500 CopayOutpatient Procedure 0% after deductible 20% after deductibleInpatient Visit 0% after deductible$1,000 Copay, then 20% after deductiblePharmacy / RX (30 Day Supply)NetResults FormularyEnhanced Preventive: 0% no deductibleAll Other: 0% after deductibleRetail: $10/$15/$35/$50/25% ($100 max per 30 day supply)Lens and Frames Coverage 0% after deductible 20% after deductibleMedical: Blue Cross of NCThe 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.*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.2025 Employee Benefits GuideWake RadiologyWake Radiology has partnered with Wellworks For You to create a user friendly Wellness Portal and Wellness Assessment Tool. 1. Go to www.wellworksforyoulogin.com2. Click the register link and create an account3. Enter your Company ID: 134644. Select Yes to confirm the company name listed is correct5. Create a username and password, and6. Enter the required personal information7. Select Create Account at the bottom8. Accept the terms of the Consent Form9. Select the Know Your Number Assessment Tab on the Homepage to complete your assessment.Members may self-report their lab values within the assessment.Visit the Webpage often for wellness articles, tips and ongoing programs.Wellbeing Program: Wellworks for YouNon Wellness Rates HDHP PPO Copay PlanEmployee$35.32 $85.41Employee + Spouse$225.71 $335.90Employee + Child$79.45 $164.59Employee + Children$141.61 $246.78Employee + Family$309.28 $464.54Your Cost Semi-monthly Participants who complete their Wellworks for You Wellness Assessment Tool between November 5, 2024, through December 5, 2024, will receive a $20.00 per month healthcare reduction beginning January 1, 2025.

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.2025 Employee Benefits GuideWake RadiologyAnnual 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 InformationWellness 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 your employer, 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.2025 Employee Benefits GuideWake RadiologyEmployees 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.Telehealth: BCBSNC TeladocWhat 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 moreDermatology & Nutrition Counseling

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.2025 Employee Benefits GuideWake RadiologyA 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. These maximums include the Wake Radiology contribution of up to $5,000. The IRS has established the following maximum HSA contributions:2025 Tax Year$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): Health Equity

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.2025 Employee Benefits GuideWake RadiologySummary of CoverageCoverage Provided by Delta Dental Base Plan Buy-Up PlanAnnual Deductibles(Individual / Family)$50/$150 $50/$150Preventive Care No cost; covered at 100% No cost; covered at 100%Basic Procedures (extractions, fillings, etc.)80% after deductible 80% after deductibleMajor Procedures(crowns, dentures, etc.)50% after deductible 50% after deductibleChild & Adult Orthodontics Not covered50% $1,500 lifetime maxCalendar Year Maximum Benefit $1,500 $1,500Dental: Delta DentalBelow 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.Your Cost Semi-monthlyBase Plan Buy-Up PlanEmployee $0$0.75Employee + Spouse $0$1.57Employee + Child(ren) $0$6.58Employee + Family $0$7.79

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.2025 Employee Benefits GuideWake RadiologySummary of CoverageCoverage provided by Delta Vision In-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year) $10 CopayFrames (Once per plan year) Up to $150 allowanceContact Lenses in leu of lenses and frames Up to $150 allowanceVision: Delta VisionOur vision coverage is provided by Delta Vision through the VSP network. Please review your plan documents for additional details.Employee$4.08Employee + Spouse$8.15Employee + Child(ren)$8.73Employee + Family$13.94Your Cost Semi-monthly

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.2025 Employee Benefits GuideWake RadiologySummary of CoverageCoverage provided by Sun LifePlan FeaturesEmployee Benefit Amount 2 x Salary up to $50,000AD&D Benefit $50,000Benefit Reductions begin at age 70Group 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: Sun LifeSummary of CoverageLife Benefit Employee Spouse DependentAmount $10,000 increments $5,000 increments $1,000 incrementsAD&D Matches life amountMaximum Amount5 x earnings to a maximum of $500,000$150,000, not to exceed 50% of employee amount$10,000 not to exceed 50% of employee amountGuarantee Issue (Newly Eligible Employees)$100,000 $25,000 $10,000Benefits Will Reduce By33% at Age 65, 50% at Age 70EligibilityUnmarried birth to age 26Voluntary Life and AD&D: Sun LifeFor summary of rate sheet, please see carrier summary or Employee Navigator.

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.2025 Employee Benefits GuideWake RadiologySummary of CoverageCoverage provided by Sun LifePlan Features Long TermCoverage Paid By EmployeeTaxation Benefit is not taxedEmployee Benefit Amount 60% of monthly earningsMaximum Benefit Amount $20,000Elimination Period 90 daysPre-Ex3 months look back; 12 monthsafter exclusionBenefit Duration SSNRAOwn Occupation DefinitionPhysicians: Actual ProceduresPAs: Extended Own OccupationDisability 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. Long-Term coverage is available for extended disabilities. Disability: Sun LifePlease 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.2025 Employee Benefits GuideWake RadiologyOur EAP through Sun Life and ComPsych Guidance Resources offers free, confidential assistance at no cost to you.• Unlimited phone support 24/7• 3 Virtual Counseling sessionsOur EAP Provides Support For:• Grief• Anxiety/Stress• Problems with your children• Substance Abuse• Financial Resources• Legal Guidance• And moreEmployee Assistance Program (EAP): Sun Life ComPyschCall: 800-460-4374 Online: guidanceresources.comApp: GuidanceNowWeb ID: EAPEssentialWith your Sun Life coverage, you receive an emergency travel assistance program and ID-theft protection services provided by Assist America. To activate identity protection services, visit:www.assistamerica.com/sunlifeThis travel emergency assistance program immediately connects you to doctors, hospitals, pharmacies and other services if you experience a medical or non-medical emergency while traveling 100 miles away from your permanent residence, or in another country. One simple phone call to Assist America will connect you to:• A state-of-the-art 24/7 Operations Center• Experienced, multilingual crisis management professionals• Worldwide emergency response capabilities• Air and ground ambulance service providersTravel Emergency Assist: Sun Life Assist America

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.2025 Employee Benefits GuideWake RadiologyVoluntary 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 Benefits: GuardianAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage includes a $100 per year wellness benefit for completing certain wellness screenings. Critical IllnessPays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses. Coverage includes a $50 per year wellness benefit for completing certain wellness screenings. Coverage through Guardian can be purchased for employee and dependents.

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.2025 Employee Benefits GuideWake RadiologyCarrier ResourcesBENEFIT CARRIER GROUP # PHONE NUMBER WEBSITEMedical BCBSNC 14176659 877-275-9787 www.bluecrossnc.comTeladoc through BCBSNCBCBSN/Teladoc 14176659 855-549-2214 www.Teladoc.comHealth Reimbursement AccountFlores & Associates NA 800-532-3327 www.flores247.comHealth Savings AccountHealthEquity NA 866-346-5800 www.healthequity.comDental Delta Dental 10820 800-662-8856 www.deltadentalnc.comVision Delta Vision 10820 800-877-7195 www.vsp.comLife Sun Life 972174 800-247-6875 www.sunlife.com/usDisability Sun Life 972174 800-247-6875 www.sunlife.com/usEAPSun Life and ComPsych Guidance Resources Web ID: EAPEssential800-460-4374 www.guidanceresources.comWellbeing Wellworks For YouCompany ID: 13464www.wellworksforyoulogin.comWorksite Guardian 00544593 866-427-3096 www.guardiananytime.comHow 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 via www.bluecrossnc.com Dental Delta DentalElectronically through the Delta Dental mobile app or member portal www.memberportal.comVision Delta VisionProviders will confirm benefits based on name, date of birth and social

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.2025 Employee Benefits GuideWake RadiologyENROLL IN YOUR BENEFITS: One step at atimeStep 1: Log InGo to www.employeenavigator.com and click Login• Returning users: Log in with the username and password you selected. Click Reset a forgotten password.• First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account and create your own username and password.Step 2: Welcome!After you login click Let’s Begin to complete your required tasks.Step 3: Onboarding (For first time users, if applicable) Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.T I Pif you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”Step 4: Start EnrollmentsAfter clicking Start Enrollment, you’ll need to complete some personal& dependent information before moving to your benefit elections.T I PHave dependent details handy. To enroll a dependent in coverage you willneed their date of birth and Social Securitynumber.

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.2025 Employee Benefits GuideWake RadiologyStep 8: HR Tasks (if applicable)To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!You can login to review your benefits 24/7Step 7: Review & Confirm ElectionsReview the benefits you selected on the enrollment summarypageto make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.T I PIf you miss a step, you’ll see Enrollment Not Complete inthe progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.Click Save & Continue at the bottom of each screen to save yourelections.If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.Step 6: FormsIf you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in thosedetails.Step 5: Benefit ElectionsTo enroll dependents in a benefit, click the checkbox next to the dependent’sname under Who am I enrolling?Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan 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.2025 Employee Benefits GuideWake RadiologyThis page is intentionally blank

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2025Wake Radiology