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EMPLOYEE BENEFITSGUIDE2023 - 2024An overview of the wide array of benefits provided byGastroenterology Associates of the Piedmont 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 GuideAs an employee of Gastroenterology Associates of the Piedmont, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2023 – 2024 plan year, Gastroenterology Associates of the Piedmont 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 Gastroenterology Associates of the Piedmont 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 Gastroenterology Associates of the Piedmont 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.2023 - 2024Gastroenterology Associates of the PiedmontINTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 1stof the month following 30 days of full-time employmentBenefits End Last day of employmentDependents Your legal spouse, dependent children up to age 26Domestic Partner N/A

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024Gastroenterology Associates of the PiedmontComparison of PlansCoverage Provided by the NCMS Employee Benefit Plan 7/1/2023 – 6/30/2024In-Network HDHP 6350-100 PPO 4000-70 PPO 3500-70Deductibles (Individual / Family)$6,350 / $12,700 (family member $6,550)$4,000/$8,000 $3,500/$7,500Preventive Care Covered in full Covered in full Covered in fullPrimary Care Visit 0% after deductible$50Register your PCP on www.BlueConnect.comand 1st three visits copay waived$35 Copay*Register your PCP in Blue Connect and copay is waived for 1st three visitsSpecialist Visit 0% after deductible $100 $70 CopayTelehealth via Teladoc 0% after deductible $50 $35 CopayUrgent Care 0% after deductible $100 $100 CopayEmergency Room 0% after deductible $1,000 $1,000 CopayOutpatient Procedure 0% after deductible 30% after deductible 30% after deductibleInpatient Visit 0% after deductible 30% after deductible 30% after deductiblePharmacy / RX (30 Day Supply)Essential FormularyEnhanced Preventive: 0% no deductibleAll Others: 0% after deductibleTiers 1-5:$15/$35/$45/$90/25% ($200 max)Tiers 1-5:$20/$35/$45/$90/25% ($100 max)Lens and Frames Coverage0% after deductibleCovered up to $130, then 10%Covered up to $130, then 10%Out-of-Pocket Max (Individual / Family)$6,350 / $12,700 (family member $6,550)$8,550/$17,100 $8,150/$16,300MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your NCMS Employee Benefit Plan documents for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024Gastroenterology Associates of the PiedmontWellness 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 Gastroenterology Associates of the Piedmont, 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 HDHP 6350-100 PPO 4000-70 PPO 3500-70Employee $31.07 $0.00 $113.44Employee + Spouse $377.28 $307.08 $540.89Employee + Child $141.99 $95.99 $250.39Employee + Children $289.89 $228.68 $432.99Employee + Family $629.39 $533.25 $852.14Your 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 GuideEmployees and dependents enrolled in our medical have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTH2023 - 2024Gastroenterology Associates of the PiedmontWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024Gastroenterology Associates of the PiedmontMAIL ORDER PHARMACY PROGRAMAmazon 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. ENHANCED HDHP PREVENTIVE DRUG LISTThe North Carolina Medical Society sponsors an Enhanced Preventive Drug List as a benefit of the HDHP 2700-100 plan and HDHP 6350-100 plan.A detailed list of these drugs can be found here:https://ncmsplan.com/wp-content/uploads/2022/11/2023-HSA-Preventive-List.pdf

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024Gastroenterology Associates of the PiedmontThrough 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: ASONCMSGAPGI. For questions, please contact Administrator@ESMMWeighLess.com.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 Guide2023 - 2024Gastroenterology Associates of the PiedmontEMPLOYEE ASSISTANCE PROGRAM (EAP)Call: 800.383.1908 Or visit: VITALWorkLife.com Username: ncmsplan Password: ncmsplanThe 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 more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024Gastroenterology Associates of the PiedmontA 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?HSA accounts benefit everyone who is 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:HEALTH SAVINGS ACCOUNT (HSA)2023 Tax Year 2024 Tax Year$3,850 Individual / $7,750 Family $4,150 Individual / $8,300 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024Gastroenterology Associates of the PiedmontThis 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 in administered by Savers Admin/Asure. You have 2.5-month grace to incur expenses after the plan year or you will forfeit any unused funds. 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 monitorsIf enrolled in a HDHP with HSA, then you can enroll in a limited purpose FSA. Limited Purpose Health FSA Eligible Expenses• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgeryRefer 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 Guide2023 - 2024 Gastroenterology Associates of the PiedmontSummary of CoverageCoverage Provided by MetLifeIn-Network Low Plan High PlanAnnual Deductibles(Individual / Family)$0/$0 $0/$0Preventive Care Covered in full Covered in fullBasic Procedures (extractions, fillings, etc.)Your responsibility:20%Your responsibility:20%Major Procedures(crowns, dentures, etc.)Your responsibility:50%Your responsibility:50%Calendar Year Maximum Benefit $1,000 $2,000Child Orthodontics up to age 19 N/AYour responsibility:50%Orthodontics Lifetime Maximum BenefitN/A $1,500DENTALBelow 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 Low Plan High PlanEmployee $6.61 $11.23Employee + Spouse $19.39 $29.12Employee + Children $27.30 $34.44Employee + Family $39.49 $56.61Your 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 Guide2023 - 2024Gastroenterology Associates of the PiedmontWorksite Benefits through Colonial Life are offered on a voluntary basis 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 BenefitsGroup Medical Bridge (GAP)We offer two group medical bridge plans:Plan 1 - HDHP HSA Compliant• Hospital Confinement benefit: $2,000• Observation Room: $100/day• Rehabilitation Unit Confinement: $100/day • Wellness/ Health screening benefit: $100Plan 2 - Traditional PPO (Non-HSA)• Hospital Confinement benefit: $1,500• Observation Room: $100/day• Rehabilitation Unit Confinement: $100/day• Wellness/ Health screening benefit: $100• Complex Diagnostic procedures: $250• Outpatient Surgical procedures: $750/$1,500• Medical Treatment PackageRefer to your plan documentation for more information.Pricing Per Pay PeriodGMB Plan 1 HDHP HSA CompliantGMB Plan 2Traditional PPOEmployee $12.15 $17.80Employee + Spouse $26.31 $38.97Employee + Children $15.86 $27.46Employee + Family $30.03 $48.63Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023 - 2024Gastroenterology Associates of the PiedmontCarrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedicalNCMS Employee Benefit Plan / BCBSNCGroup #14170840888-206-4697https://www.bluecrossnc.comTelehealth Teledoc 800-835-2362 www.teledochealth.comDentalMetLifeGroup # 05396270800-942-0854 www.mybenefits.metlife.comEAP Vital WorkLife 800-383-1908www.VITALWorkLife.comUsername & password: ncmsplanHSA Health Equity 866-346-5800www.healthequity.comFSA Savers Admin/Asure 800-282-7319 www.saversadmin.wealthcareportal.comWorksite BenefitsColonial Life 800-325-4368 www.coloniallife.comHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical NCMS/BCBSNCHard copy ID cards are issued and mailed to your home addressElectronic copies can be accessed via https://member.bcbsnc.com/blueconnect/web/registrationDental MetLifeID cards can be printed via the member portal:www.mybenefits.metlife.com

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2023 - 2024