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EMPLOYEE BENEFITSGUIDE2023 - 2024Haywood Pediatric & Adolescent Medicine Group, PAPhysicians Version

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 - 2024Haywood Pediatric & Adolescent Medicine Group, PAAs an employee of Haywood Pediatric & Adolescent Medicine Group, 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, Haywood Pediatric & Adolescent Medicine Group 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 Haywood Pediatric & Adolescent Medicine Group 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 Haywood Pediatric & Adolescent Medicine Group 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 60 daysBenefits End Last day of employmentDependentsMedical & Dental:Your legal spouse, dependent children up to age 26, regardless of student or marital statusLife Insurance:Your legal spouse, dependent children up to age 19 or to age 26 if full-time student (must be unmarried)

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 - 2024Haywood Pediatric & Adolescent Medicine Group, PAComparison of PlansCoverage Provided by NCMS through Blue Cross of NCIn-Network PPO 4000 - 70 HDHP 7000 - 100Benefit PeriodPlan Year: 8/1 – 7/31Plan Year: 8/1 – 7/31Deductibles (Individual / Family) $4,000 / $8,000 $7,000 / $14,000Preventive Care Covered at 100% Covered at 100%Primary Care Visit $50 Copay* 0% after deductibleSpecialist Visit $100 Copay 0% after deductibleTelehealth via Teladoc $50 Copay 0% after deductibleUrgent Care $100 Copay 0% after deductibleEmergency Room $1,000 Copay 0% after deductibleOutpatient Procedure 30% after deductible 0% after deductibleInpatient Visit 30% after deductible 0% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5$15/$35/$45/$90/25%**min $50 to max $2000% after deductibleLens and Frames Coverage $135 allowance, then 90%Enhanced Preventive: 0%0% after deductibleOut-of-Pocket Max (Individual / Family)$8,550 / $17,100 $7,000 / $14,000MEDICALThe 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.*Register PCP in BlueConnect and 1stthree PCP copays are waived

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 - 2024Haywood Pediatric & Adolescent Medicine Group, PAWellness 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 Haywood Pediatric & Adolescent Medicine Group, 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 PPO 4000 - 70 HDHP 7000 - 100Semi-monthly(24)Bi-weekly(26)Semi-monthly(24)Bi-weekly(26)Employee $119.20 $110.03 $72.45 $66.87Employee + Spouse $407.43 $376.09 $313.93 $289.79Employee + Child $163.53 $150.95 $96.35 $88.94Employee + Children $220.52 $203.55 $134.03 $123.72Employee + Family $538.55 $497.12 $393.62 $363.35Your 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 - 2024Haywood Pediatric & Adolescent Medicine Group, PAEmployees 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.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 Guide2023 - 2024Haywood Pediatric & Adolescent Medicine Group, PAThrough 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.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/. Employee Assistance ProgramVITAL WorkLife is available to assist you and your family with life issues which are confronting you., such as grief, anxiety, problems with your children, substance abuse and more. Unlimited phone consultation and website access to articles, assessments, seminars and much more. Face to face counseling is available. Legal, financial and identity theft services can also be accessed. Contact VITAL WorkLife at 800-383-1908 or visit www.vitalworklife.com username: ncmsplan; password: ncmsplan.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 - 2024Haywood Pediatric & Adolescent Medicine Group, PAA 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 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 AccountHSA Contribution LimitsYou can contribute to your Optum Bank HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. These maximums include employer contributions. Haywood Pediatric & Adolescent Medicine Group contributes $300 to your HSA on an annual basis. Additionally, they’ll match up to $300 of your contribution, for a total employer contribution of $600. The IRS has established the following maximum HSA contributions: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. 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 Guide2023 - 2024Haywood Pediatric & Adolescent Medicine Group, PASummary of CoverageCoverage Provided by Lincoln Financial In-NetworkCalendar Year Deductibles(Individual / Family)$50 / $150Preventive Care Covered at 100%Basic Procedures (extractions, fillings, etc.)Covered at 90% after deductibleMajor Procedures(crowns, dentures, etc.)Covered at 60% after deductibleCalendar Year Maximum Benefit $2,000 per covered memberChild Orthodontics Covered at 50%Child Orthodontics Lifetime Maximum $2,000DENTALBelow 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 Semi-monthly (24) Bi-weekly (26) Employee $6.88 $6.33Employee + Spouse $14.74 $13.60Employee + Child(ren) $15.17 $14.00Employee + Family $24.26 $22.39Your 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 - 2024Haywood Pediatric & Adolescent Medicine Group, PASummary of CoverageCoverage provided by HartfordPlan Features Short Term Long TermCoverage Paid By Employer EmployerTaxation Benefit is taxable Benefit is taxableEmployee Benefit Amount 60% of earnings 60% of earningsMaximum Benefit Amount $500 per week $2,500 per monthElimination Period0 Days for accident7 Days for illness90 DaysBenefit Duration 13 weeks including elimination period 2 yearsEvidence of Insurability Not Applicable Not ApplicableDisability 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 Guide2023 - 2024Haywood Pediatric & Adolescent Medicine Group, PASummary of CoverageCoverage provided by HartfordPlan FeaturesBenefit AmountEmployee: $50,000 Spouse: $5,000Child(ren): $5,000Maximum Benefit Amount $50,000AD&D BenefitEmployee: $25,000Not included for Spouse or Child(ren)Benefit Reductions begin at age 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 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 $10,000 increments $5,000 $10,000Minimum Amount $10,000 $5,000 $10,000Maximum AmountLesser of 5 x earnings or$500,000Lesser of 50% of employee coverage or $250,000$10,000Benefits Will Reduce By 75% at age 65 50% at age 70Reduced benefit if under 6 months of ageVOLUNTARY LIFE and AD&D INSURANCEAD&D is only available for employee coverageFor summary of rate sheet, please see carrier summary and enrollment form.

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 - 2024Haywood Pediatric & Adolescent Medicine Group, PAOur EAP through Ability Assist 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: 800.964.3577 Or visit: www.guidanceresources.comUsername: AbiliPassword: HLF902

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2023 - 2024Haywood Pediatric & Adolescent Medicine Group, PA