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EMPLOYEE BENEFITSGUIDE2024-2025An overview of the wide array of benefits provided bySpine & Scoliosis Specialists 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 Spine & Scoliosis Specialist, 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 2024 – 2025 plan year, Spine & Scoliosis Specialist 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 Spine & Scoliosis Specialist 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 Spine & Scoliosis Specialist 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.2024-2025Spine & Scoliosis Specialists INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for medical 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. If you are a full-time employee working 35 or more hours per week, you are eligible to enroll in the ancillary benefits described in this guide following 90 days of service.Benefits Begin 90th day of full-time employmentBenefits End Last day of employmentDependents Your legal spouse, dependent children up to age 26.Domestic 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 Guide2024-2025Spine & Scoliosis Specialists Comparison of PlansCoverage Provided by NCMSIn-Network PPO 4000-70 HDHP 3500-100Benefit Period Plan Year: 6/1 – 5/31 Plan Year: 6/1 – 5/31Deductibles (Individual / Family) $4,000/$8,000$3,500/$7,000 ($6,550 per family member)Preventive Care Covered in full Covered in fullPrimary Care Visit$50 Copay*Register your PCP on BlueConnectNC.com and 1st three visits’ copay waived.0% after deductibleSpecialist Visit $1000% after deductibleTelehealth via Teladoc $50 0% after deductibleUrgent Care $1000% after deductibleEmergency Room $1,0000% after deductibleOutpatient Procedure 30% coinsurance 0% coinsuranceInpatient Visit 30% coinsurance 0% coinsurancePharmacy / RX (30 Day Supply)Tiers 1-5$15/$35/$45/$90/25% w/min $50 & max $200Enhanced Preventative: 0%All others: 0% after deductibleLens and Frames Coverage 100% to $130, then 10%0% after deductibleOut-of-Pocket Max (Individual / Family)$8,550/$17,100$3,500/$7,000 ($6,550 per family member)MEDICALThe 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.

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 Guide2024-2025Spine & Scoliosis SpecialistsWellness 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 Spine & Scoliosis Specialist, 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 3500-100Employee $106.11 $165.45Employee + Spouse $380.20 $500.67Employee + Child $193.92 $272.85Employee + Children $311.00 $416.05Employee + Family $579.78 $744.76Your 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.TELEHEALTH2024-2025Spine & Scoliosis SpecialistsWhat 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 Guide2024-2025Spine & Scoliosis Specialists Through 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 Guide2024-2025Spine & Scoliosis SpecialistsSummary of CoverageCoverage Provided by Principal In-NetworkAnnual Deductibles(Individual / Family)$0/$0Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)80% coinsuranceMajor Procedures(crowns, dentures, etc.)50% coinsuranceCalendar Year Maximum Benefit $1,250DENTALBelow 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 PeriodEmployee $22.27Employee + Spouse $44.22Employee + Children $48.30Employee + Family $75.08Your 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 Guide2024-2025Spine & Scoliosis SpecialistsSummary of CoverageCoverage provided by Principal In-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year) $25 CopayFrames (Once every 2 years)$130 allowance for a wide selection of frames; 20% off amount over allowanceStandard Contact Lenses Fit & Follow Up Exam$130 + up to $60 for contact lenses (fitting and evaluation) instead of lens and frames benefitElective Contact Lenses (in lieu of glasses) $130 allowanceMedically Necessary Contact Lenses $25 copayVISIONOur vision coverage is provided by Principal. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $3.58Employee + Spouse $6.80Employee + Children $7.94Employee + Family $11.20Your 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 Guide2024-2025Spine & Scoliosis Specialists Summary of CoveragePlan FeaturesShort TermVoluntaryBy PrincipalLong TermBy MGISCoverage Paid By Employee EmployerEmployee Benefit Amount 60% of weekly earnings 60% of monthly incomeMaximum Benefit Amount $1,000 $5,000 monthlyElimination Period (Accident) 8 days 90 daysElimination Period (Sickness) 8 days 90 daysBenefit Duration 12 weeksSocial Security normal retirement ageDisability 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 Income Protection Please 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 Guide2024-2025Spine and Scoliosis SpecialistsSummary of CoverageCoverage provided by MGISPlan FeaturesEmployee Benefit Amount $20,000Maximum Benefit Amount $20,000AD&D Benefit $20,000Benefit Reductions begin at age Age 65: 65% of pre-65 benefitAge 70: 50% of pre-65 benefitGroup 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 INSURANCEFor summary of rate sheet, please see carrier summary or Employee Navigator.Cost is age-banded and based on employee’s age.

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 Guide2024-2025Spine & Scoliosis SpecialistsSummary of CoverageLife Benefit Employee Spouse DependentAmount $10,000 increments $5,000 increments $2,500, $5,000, or $10,000Minimum Amount $10,000 $5,000 $2,500Maximum Amount $300,000Lessor of $100,000 or 50% of employee amountCannot exceed 50% of the employee’s coverageGuarantee Issue (Newly Eligible Employees)$100,000 up to age 70$10,000 age 70+$25,000 up to age 70$10,000 age 70+$10,000Benefits Will Reduce By Begin at age 65 Begin at age 65 N/AVOLUNTARY LIFE and AD&D INSURANCECost is age-banded and based on employee’s age.

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 Guide2024-2025Spine & Scoliosis Specialists Voluntary 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.Voluntary BenefitsCritical Illness and Accident InsuranceThese plans pay a lump sum or per-incident benefit should a covered family member experience a covered illness or accident.Hospital IndemnitySupplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. The plan covers employees who are admitted to a hospital or ICU for a covered sickness or injury.

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 Guide2024- 2025Spine & Scoliosis SpecialistsThis page intentionally left blank

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024-2025Spine & Scoliosis Specialists