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EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byThe Family Health Centers 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 Guide2024 - 2025 The Family Health CentersAs an employee of The Family Health Centers, 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, The Family Health Centers 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 The Family Health Centers 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 The Family Health Center’s 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 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 Guide2024 - 2025 The Family Health CentersComparison of PlansCoverage Provided by the NCMS Employee Benefit Plan 9/1/2024 – 8/31/2025In-Network PPO 1500-70 PPO 1-2-3 1500 HDHP 2700-80Deductibles (Individual / Family)$1,500/$4,500 $1,500/$3,000$2,700/$5,450(family member $5,450)Preventive Care(includes routine eye exam)Covered in full Covered in full Covered in fullPrimary Care Visit$35 CopayRegister your PCP on www.BlueConnect.com and 1st three visits copay waived $35 CopayRegister your PCP on www.BlueConnect.com and 1st three visits copay waived 20% after deductibleSpecialist Visit $70 Copay 30% after deductible 20% after deductibleTelehealth via Teladoc $35 Copay $35 Copay 20% after deductibleUrgent Care $75 Copay 30% after deductible 20% after deductibleEmergency Room $750 Copay 30% after deductible 20% after deductibleOutpatient Procedure 30% after deductible 30% after deductible 20% after deductibleInpatient Visit 30% after deductible$250 Copay, then 10% after deductible20% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5$10/$25/$40/$80/25%**$100 max$10/$25/$40/$80/25%**$100 max20% after deductibleLens and Frames CoverageCovered up to $130, then 90% coinsuranceCovered up to $130, then 90% coinsuranceEnhanced Preventive: 0%, no deductibleAll Others: 20% after deductibleOut-of-Pocket Max (Individual / Family)$5,000/$10,000 $4,500/$9,000$5,000/$10,000(family member $6,550)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. The coinsurance listed below is the portion you pay.

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 - 2025 The Family Health CentersPricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $137.26 68.63 $0.00Employee + Spouse $278.64 $210.01 $141.38Employee + Child $182.56 $113.93 $45.30Employee + Children $242.96 174.32 $105.69Employee + Family $381.59 $312.96 $244.43YOUR COSTPPO 1500-70PPO 1-2-3 1500HDHP 2700-80Pricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $127.90 $63.95 $0.00Employee + Spouse $259.63 $195.67 $131.73Employee + Child $170.10 $106.15 $42.21Employee + Children $226.37 $162.43 $98.48Employee + Family $355.55 $291.60 $227.65Pricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $30.00 $15.00 $0.00Employee + Spouse $130.75 $115.75 $100.75Employee + Child $62.28 $47.28 $32.28Employee + Children $194.13 $90.31 $75.31Employee + Family $204.10 $189.10 $174.10

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 - 2025 The Family Health CentersPRESCRIPTION DRUGSManage Your PrescriptionsPrescription drug costs vary according to factors such as the drug type, the tier or drug cost level, and the formulary or the listed of covered drugs. There are three different drug categories: brand-name, generic, and specialty.• GENERIC - Generic drugs have the same active ingredients as brand-name drugs and have received FDA approval. They can have a different shape, size, and color than the brand name drug, but they are just as safe and effective. Generics also tend to cost less than brand-name drugs. • BRAND-NAME - Brand-name drugs are the original version of a medication made by the manufacturer. For example, Tylenol® is the brand-name for acetaminophen. Brand-name drugs tend to be more expensive than their generic alternatives. Brand-name drugs may not be fully covered by insurance if there is a generic version available.• SPECIALITY - Specialty drugs treat complex, rare, or chronic conditions. Many of these drugs are injectable medications or have special administration requirements. These medicines tend to cost more than others and are only sold at specialty pharmacies. You should check your plan for your in-network specialty pharmacy options.Click here to learn more about managing your prescriptions:https://www.brainshark.com/1/player/bcbsnc?fb=0&r3f1=f3c9b7e4e8e5bdafffb5d6b4befaf5e5f3bea18fa0fff5b9&custom=manageyourrxMail Order ResourceBlue 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. Weight Loss Prescription DrugsEffective November 1, 2023, coverage for anti-obesity “weight loss” drugs will be discontinued. These drugs will no longer be covered due to safety concerns, as well as the lack of data supporting long-term use of these drugs. The following products will be excluded as covered medications:Wegovy LomairaSaxenda PhendimetrazineAdipex-P ContraveBenzphetamine QsymiaDiethylpropion

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 - 2025 The Family Health CentersWellness 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 The Family Health Centers, 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 Eye Exam• 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 CAREEnhanced HDHP Preventive Drug ListThe North Carolina Medical Society sponsors an Enhanced Preventive Drug List as a benefit of the HDHP 2700-80 plan.A detailed list of these drugs can be found here:https://ncmsplan1.wpenginepowered.com/wp-content/uploads/2024/01/2024-HSA-Preventive-List-v1.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 Guide2024 - 2025 The Family Health CentersEmployees 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 www.teladochealth.com and click “Log in/Register”• Call 855-549-2214Refer 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 Guide2024 - 2025 The Family Health CentersThrough 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: ASONCMSTheFHC. 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 - 2024The Family Health CentersThe 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.com Username: 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 Guide2024 - 2025 The Family Health CentersA 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 Health 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)2024 Tax Year 2025 Tax Year$4,150 Individual / $8,300 Family $4,300 Individual / $8,550 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 Guide2024 - 2025 The Family Health CentersThis 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 through TASC, offers a carry over up to $500 of unused funds to the following year. 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 monitorsDependent Care FSA Eligible Expenses• Care for your child who is under the age of 13• Before-school and after-school care• Babysitting and nanny expenses• Day care, nursery school and preschool• Summer day camp• Care for a relative who is physically or mentally incapable of self-care and lives in your homeRefer 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 Guide2024 - 2025 The Family Health CentersSummary of CoverageCoverage Provided by MetLifeIn-Network High Plan w/ Ortho Low PlanAnnual Deductibles(Individual / Family)$50 / $150 $0 / $0Preventive Care Covered in full Covered in fullBasic Procedures (extractions, fillings, etc.)You pay 20% You pay 20%Major Procedures(crowns, dentures, etc.)You pay 50% You pay 50%Child OrthodonticsYou pay 50%$1,500 lifetime maximumN/ACalendar Year Maximum Benefit $5,000 $1,000DENTALBelow 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.MetLife VisionAccess ProgramVisit a participating provider to receive the following benefits: • Savings on eye exams• Discounts on glasses and frames• Lower costs for laser vision correction• A broad choice of quality providers• Availability of the program to your entire family• No enrollment or claim formsProvide the program code, MET2020, when making an appointment or visiting the provider. Log in to Employee Navigator for more 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 - 2025 The Family Health CentersPricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $8.10 $4.05 $0.00Employee + One $15.49 $11.44 $7.39Employee + Two $19.95 $15.90 $11.85Employee + Family $27.36 $23.31 $19.26YOUR COSTHigh Plan w/OrthoLow PlanPricing Per Pay Period Years 1-4 Years 5-9 Years 10+Employee $4.96 $2.48 $0.00Employee + One $9.48 $7.00 $4.52Employee + Two $12.23 $9.76 $7.28Employee + Family $16.60 $14.12 $11.64

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 - 2025 The Family Health CentersSummary of CoverageCoverage provided by USAblePlan Features Providers & Managers StaffEmployee Benefit Amount(Guaranteed Issue)$50,000 $30,000Maximum Benefit Amount $75,000 $30,000AD&D Benefit $50,000 / $75,000 $30,000Benefit Reductions begin at age 65 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 SpouseChild(ren) 6 months – 26yrsChild(ren) 14 days – 6 monthsLife Amount $10,000 $5,000 $500AD&D Amount $10,000 $5,000 $500Per pay period cost $0.69VOLUNTARY DEPENDENT LIFE and AD&D INSURANCE

Employee Navigator Enrollment InstructionsENROLL 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 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.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 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 summary pageto 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 in the 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 those details.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.Employee Navigator Enrollment Instructions

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 - 2025 The Family Health CentersCarrier ResourcesBENEFIT CARRIER & GROUP # PHONE NUMBER WEBSITEMedicalNCMS / BCBSNC14171123888-206-4697 www.bcbsnc.com DentalMetLife05397137800-942-0854 www.mybenefits.metlife.com Vision Discount ProgramMetLifeProgram Code: MET2020888-GET-MET8 www.metlife.com/mybenefits LifeUSAble50046132800-370-5856 www.usablelife.com FSA & Dependent Care FSA TASC 800-422-4661 www.tasconline.com EAPVital WorkLifeUsername & password: ncmsplan800-383-1908 www.VITALWorkLife.com Telehealth Teledoc 800-835-2362 www.teledochealth.com HSA Health Equity 866-346-5800 www.healthequity.com

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025The Family Health Centers