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EMPLOYEE BENEFITSGUIDE2023 - 2024An overview of the wide array of benefits provided byOrthopaedic Specialists of North Carolina 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 Orthopaedic Specialists of North Carolina, 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, Orthopaedic Specialists of North Carolina 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 Orthopaedic Specialists of North Carolina 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 Orthopaedic Specialists of North Carolina 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 - 2024Orthopaedic Specialists of North CarolinaINTRODUCTIONEligibility & 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 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 Guide2023 - 2024Orthopaedic Specialists of North CarolinaComparison of PlansCoverage Provided by the NCMS Employee Benefit Plan for 6/1/2023 – 5/31/2024BCBSNC Blue Options In-Network BenefitsCore PlanPPO 4000-70Buy-up PlanPPO 1500-70HSA Eligible PlanHDHP 2700-100 Deductibles (Individual / Family)$4,000/$8,000 $1,500/$4,500 $2,700/$5,450Preventive Care Covered in full Covered in full Covered in fullPrimary Care Visit$50Register your PCP on www.BlueConnect.comand 1st three visits copay waived$35Register your PCP on www.BlueConnect.comand 1st three visits copay waived0% after deductibleSpecialist Visit $100 $70 0% after deductibleTelehealth via Teladoc $50 $35 0% after deductibleUrgent Care $100 $75 0% after deductibleEmergency Room $1,000 $750 0% after deductibleOutpatient Hospital Procedure30% after deductible 30% after deductible 0% after deductibleInpatient Hospital Procedure30% after deductible 30% after deductible 0% after deductiblePreventive Eye Exam / Lens and Frames CoverageCovered in full / Covered up to $130, then 10%Covered in full / Covered up to $130, then 10%Covered in full / 0% after deductibleOut-of-Pocket Max (Individual / Family)$8,550/$17,100 $5,000/$10,000 $2,700/$5,450Pharmacy / RX (30 Day Supply)Tiers 1-5Tiers 1-5:$15/$35/$45/$90/25% (max $200)Tiers 1-5: $10/$25/$40/$80/25% (max $100)Tiers 1-5: 0% after deductible MEDICALThe 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 - 2024Orthopaedic Specialists of North CarolinaPricing Per Pay PeriodCore PlanPPO 4000-70Buy-up PlanPPO 1500-70HSA Eligible PlanHDHP 2700-100Employee$11.24 $105.68 $72.90Employee + Spouse$228.81 $420.54 $353.98Employee + Child$80.94 $206.56 $162.95Employee + Children$176.00 $344.12 $285.76Employee + Family$387.24 $649.81 $558.65YOUR COSTClass B Pricing Per Pay PeriodCore PlanPPO 4000-70Buy-up PlanPPO 1500-70HSA Eligible PlanHDHP 2700-100Employee$48.74 $143.18 $110.40Employee + Spouse$266.31 $458.04 $391.48Employee + Child$118.44 $244.06 $200.45Employee + Children$213.50 $381.62 $323.26Employee + Family$424.74 $687.31 $596.15Class 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 - 2024Orthopaedic Specialists of North CarolinaPREVENTIVE CAREWellness 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 Orthopaedic Specialists of North Carolina, 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 violence

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 www.Teledoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTH2023 - 2024Orthopaedic Specialists of North CarolinaWhat 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 GuideENHANCED HDHP PREVENTIVE DRUG LIST2023 - 2024Orthopaedic Specialists of North CarolinaThe North Carolina Medical Society sponsors an Enhanced Preventive Drug List as a benefit of the HDHP 2700-100 plan.A detailed list of these drugs can be found here:https://ncmsplan.com/wp-content/uploads/2022/11/2023-HSA-Preventive-List.pdfMAIL 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.

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 - 2024Orthopaedic Specialists of North CarolinaA 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 AccountRefer to your HSA documentation for more information.HSA Contribution LimitsYou can contribute to your Heath 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:HEALTH SAVINGS ACCOUNT (HSA)2022 Tax year 2023 Tax year$3,650 Individual / $7,300 Family $3,850 Individual / $7,750 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 - 2024Orthopaedic Specialists of North CarolinaThrough 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: ASONCMSOrthoNC. 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 - 2024Orthopaedic Specialists of North CarolinaThe 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: 800-383-1908 Or visit: www.VITALWorkLife.comUsername: ncmsplan Password: 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 Guide2023 - 2024Orthopaedic Specialists of North CarolinaVoluntary Benefits are offered to assist employee's personal insurance needs. These Colonial Life programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.VOLUNTARY BENEFITSGAPWe offer two group medical bridge plans. Both plans cover Accident, Illness, & Maternity.Plan 1 - HDHP HSA Compliant• Hospital Confinement benefit• Wellness/ Health screening benefitPlan 2 - Traditional PPO (Non-HSA)• Hospital Confinement benefit• Wellness/ Health screening benefit• Complex Diagnostic procedures• Outpatient Surgical procedures• Medical Treatment PackageShort-Term DisabilityColonial Life STD fills in the elimination gap in the Group LTD plan.• Covers up to 60% of gross monthly earnings to a max of $400 - $6,500• Elimination (waiting) period for Accident/Illness: 0/7, 0/14, or 14/14• 3-month benefit period• Covers Accident, Sickness, & MaternityIndividual Term Life Insurance10yr, 15yr, 20yr, & 30yr options available.Individual Whole Life InsuranceBenefit Levels of $5,000 to $500,000 available with two plan options: paid up to age 70 or paid up to age 100.• Paid up to age 70• Paid up to age 100Critical Illness and Accident InsuranceThese plans pay a lump sum or per-incident benefit should a covered family member experience a covered illness or accident.

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 – 2024Orthopaedic Specialists of North CarolinaCARRIER RESOURCESBENEFIT CARRIER GROUP # PHONE NUMBER WEBSITEMedical NCMS/BCBSNC 14174111 888-206-4697 https://www.bluecrossnc.comTelehealth Teledoc n/a 800-835-2362 www.teledochealth.comEAP Vital WorkLifeUsername & password: ncmsplan800-383-1908 www.VITALWorkLife.comHSA Health Equity n/a 866-346-5800 www.healthequity.comVoluntary BenefitsColonial Life n/a 800-325-4368 www.coloniallife.comHow to access copies of 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/registration

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 - 2024Orthopaedic Specialists of North CarolinaThis page intentionally left blank

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