Christ Hospital Employee Benefits Guide 2024 PDF

AF T 2024 D R Employee Benefits Guide Full-Time Employees AF T R D 2 | 2024 BENEFITS GUIDE AF T R D 3 | 2024 BENEFITS GUIDE At The Christ Hospital Health Network we recognize our ultimate success depends on our talented and dedicated workforce. We understand the contribution each Team Memb...

AF T 2024 D R Employee Benefits Guide Full-Time Employees AF T R D 2 | 2024 BENEFITS GUIDE AF T R D 3 | 2024 BENEFITS GUIDE At The Christ Hospital Health Network we recognize our ultimate success depends on our talented and dedicated workforce. We understand the contribution each Team Member makes to our accomplishments and so our goal is to provide a comprehensive program of competitive benefits to attract and retain the best. Through our benefits programs we strive to support the needs of our Team Members and their dependents by providing a benefit package that is easy to understand, easy to access and affordable for all our Team Members. This brochure will help you choose the type of plan and level of coverage that is right for you. We have a number of new benefits being introduced for 2024. These include: Delta Dental of Ohio as new dental plan provider • Vision Buy-up Plan • ALEX Decision Support Tool • AMWINS Medicare Concierge Service • New eligibility update for Medicare-eligible team members • FSA auto-substantiation feeds for dental and vision claims AF T • You can also view overviews of our benefit plans by accessing our benefits website at mytchbenefits.com. Sincerely, R Your Total Value Team D We’re Here for You! Did you know you can reach out to the Total Value team and we can assist you with benefits-related questions? We’re available Monday through Friday from 8:00-5:00pm.You can leave a message outside of business hours and we will promptly return your call within two business days. 513-263-1500 [email protected] 4 | 2024 BENEFITS GUIDE Welcome Welcome Table of Contents Contents WELCOME 4 6-7 Eligibility & Enrollment VOLUNTARY BENEFITS 28-37 - Life Insurance - Pet Insurance - Auto & Home Insurance - Legal Shield - Norton LifeLock HEALTH BENEFITS 9 Medical Plan Overview 10 Network Tiers 11 Medical Plan Cost & Comparisons 12-13 Health Savings Account & Flexible Spending Accounts 16-17 Dental Vision CONTACTS AF T TCHHN PCP Plans Overview ENROLLMENT 18 19 FINANCIAL BENEFITS 20 R Wellness Plans 21 Group Disability - Short Term Disability - Long Term Disability 22 Retirement Savings 23 D Group Term Life & AD&D The information in this booklet reflects the terms of the benefit plans as in effect Jan. 1, 2024. Please note that this is a summary of your benefits only; additional requirements, limitations and exclusions may apply. Refer to applicable plan documents and regulations for details. The applicable policy issued by the carrier will take precedence if there is a difference between the provisions therein and those of this document. 5 | 2024 BENEFITS GUIDE If employment status changes to Part-time or Fulltime, benefit eligibility is re-evaluated at the time of the employment status change. When Coverage Begins: Annual enrollment lasts from October 1 through October 31. If you do not make changes to your coverage within the enrollment time period, your current coverage (if any) will continue. However, if you want to participate in any of the following benefits in 2024, you must actively enroll in them during annual enrollment: Healthcare Flexible Spending Account (FSA) Limited Purpose Healthcare FSA Dependent Daycare FSA Health Savings Account (HSA) R • • • • Eligible Dependents: In general, eligible dependents include your spouse, domestic partner* and children up to age 26, although some benefits may have different child age requirements. Children and spouses may only be covered once on TCHHN benefits (i.e. no dual coverage if both parents work at TCHHN). If your child is mentally or physically disabled, coverage may continue beyond age 26 once proof of the ongoing disability is provided. Children of you or your legal spouse can be covered as long as they are your biological or adopted children, or you have legal guardianship of them. AF T Who Can Enroll: Enrollment in The Christ Hospital Health Network Benefits Program is based on the following guidelines: • Full-time (0.75 - 1.0 FTE or 30+ hours/week) (.8 FT for Basic Life and Long Term Disability) • Part-time (0.5 FTE to 0.7499 or average 2029.99 hours/week) – Must average at least 20 to 29.99 hours/week • Supplemental Staffing Pool (SSP) - Eligible for medical, dental, vision and flexible spending account (FSA) • PRN team members (.01 to .4999 FTE) - Only eligible to participate in the 403b Retirement Savings Plan D The effective date for the benefits you elect during open enrollment is January 1, 2024. Newly hired team members must enroll in benefits within 30 days from your date of hire. If you don’t enroll within this time period, you will not have benefits coverage except for plans and programs that are fully paid by The Christ Hospital Health Network, such as Basic Life Insurance, Short Term Disability and Long Term Disability insurance. All elections are in effect for the entire plan year and can only be changed during Open Enrollment, unless you experience a qualifying life event. 6 | 2024 BENEFITS GUIDE If your spouse or domestic partner* has access to medical insurance through his or her employer, he or she is not eligible for coverage on the TCHHN medical plan. However, coverage is available to them on other benefit options, such as dental or vision. Beginning 1/1/2024, if a team member is Medicareeligible and would like to enroll in a Medicare benefit but still has spouse or children to provide coverage for, TCHHN will allow the spouse/ children to remain covered under the TCHHN medical plan until the spouse becomes Medicareeligible or the children age off the plan. Verify Your Dependents: If you’d like to enroll your spouse, domestic partner*, or children in coverage, you will need to provide verification documents before they can be added to any TCHHN coverage. Go to mytchbenefits.com/take-action/verifydependents for a list of the documents you’ll need to provide. After you complete your benefits elections go to pending actions in TCHpoint to upload your documents. *If your domestic partner is covered under your medical, dental, or vision plan provided by TCHHN, the value of the benefit must be included in your taxable income, known as Imputed Income. Eligibility Eligibility Enrolling in benefits is simple through TCHpoint – just follow the steps below: 1. 2. 3. 4. Watch the 2024 Benefits Overview video to hear more details about the options. Log into ALEX decision support tool to see which plans are best for you and your family. Enroll for your benefits in TCHpoint and voluntary benefits portals, and take advantage of the Guided Learning tools. Make sure everything is correct before you hit Submit. Review your pending actions in TCHpoint and upload any required dependent verification documentation. Contact Total Value if you need assistance. R 5. Review this guide to make sure you understand the options for the 2024 plan year Be on the lookout for any new ID cards for new plans you have enrolled in. If you are enrolled in the medical and/or dental plans, you will be receiving new cards for those plans regardless of whether you make any changes. D 6. ALEX Decision Support Tool TCHHN offers multiple plan options for many of the benefit offerings, which allows you customize the benefits package that works best for your needs. But it can be difficult to decide what the options are, so we’re always searching for opportunities to help you with your choices. ALEX is a decision support tool that explains the TCHHN benefits offerings and guides you to smart plan decisions at enrollment time. The tool walks you through a series of questions to learn more about your needs, and then makes recommendations for you to consider. The tool includes information and costs for all of our benefits including retirement and Health Savings Accounts, along with videos, smart tips, taxsavings guidance, and many other helpful resources. AF T Enrollment Enrollment Advantages of using ALEX include: • Understand the differences between the available medical plans • Discover tax savings that might be available for you through the HSA and FSA plans • Learn how to prepare for unexpected healthcare bills • Educate yourself on the financial implications of picking a high deductible health plan You will use TCHpoint to enroll in your benefits for 2024, but ALEX is a separate tool that you can choose to utilize to help you decide which plans fit you best. Scan the QR code below to connect to ALEX any time during open enrollment (beginning October 1), or click on the hyperlink or scan the QR code. ALEX is available on a computer or mobile device 24/7. myalex.com/tchhn/home 7 | 2024 BENEFITS GUIDE D R AF T Eligibility 8 | 2024 BENEFITS GUIDE Medical Quality health coverage is one of the most valuable benefits you enjoy as a team member of The Christ Hospital Health Network. Our benefits program offers plans to help keep you and your family healthy and also provide important protection in the event of illness or injury. Don’t have a primary care provider? You should. Here’s why. For 2024 you have a choice of medical plans giving you the flexibility to choose what’s best for your needs and budget. • • Basic HDHP and TCHHN PCP Network Basic HDHP, Standard HDHP and TCHHN PCP Network Standard HDHP, are all High Deductible Health Plans that provide a higher deductible than the PPO Plan but have lower premiums which means you pay more when you need care (up to the deductible) and less out of your paycheck. These plans are compatible with a Health Savings Account (HSA), which allows you to save for medical expenses by making voluntary tax-free contributions through payroll deductions. TCHHN PCP Network plans offer lower premiums with the same co-pays, deductibles, and out-of-pocket maximums. The only difference is you and your adult dependents must see a TCHHN PCP for preventive and general care in order for the service to be covered. R • Core PPO Plan and TCHHN PCP Network Core PPO Plans, both Preferred Provider Organization (PPO) plans that provide a lower deductible than the HDHPs but have higher premiums which means you pay less when you need care and more out of your paycheck. If you enroll in a PPO Plan, you are not eligible to participate in an HSA. • Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. And remember, preventive care doesn’t cost you anything. • A healthier wallet. A PCP can help you avoid costly trips to the emergency room. Your doctor will also help coordinate specialist care, if needed. AF T Health Coverage—Medical Health Coverage • Peace of mind. A trusted provider is valuable when you need it and even when you don’t. What to Consider TCHHN PCP Core PPO & Core PPO TCHHN PCP Standard & Standard HDHP TCHHN PCP Basic & Basic HDHP Comprehensive, affordable coverage for a wide range of healthcare services • • • In-network preventive care, with services covered at 100%, including annual physicals, recommended immunizations, well-woman and well-child exams, flu shots, and routine cancer screenings • • • Prescription drug coverage included • • • Financial protection through an annual out-of-pocket maximum that limits the amount you might have to pay each year • • • Choice of coverage levels: Team Member, Team Member+1, Team Member+2 or more • • • • • D Consider which plan features are most important to you. Do you want to: Open and contribute to a tax-free HSA, which has no ”use it or lose it” rule and offers the opportunity to invest money or future medical costs Pay the lowest premium cost, which may make it the least expensive option if you expect to have low healthcare usage • Balance your out-of-pocket and paycheck costs with a moderate deductible and premium cost Pay the highest premium cost in order to keep your out-of-pocket costs as low as possible when you need care • • 9 | 2024 BENEFITS GUIDE You’ll notice that there are only three (3) main plans, but there are six (6) actual plans you can choose from. What are those other plan differences? For each of the three (3) main plans (Basic HDHP, Standard HDHP, and Core PPO) there are actually two (2) options to select from. The TCHHN PCP option, and the Non-PCP option. You can switch between the plan options each year at Annual Enrollment. All deductibles and out of pocket maximums reset each year on January 1. The Medical section of this guide provides an overview of your medical plan options. You can find detailed information about each plan, including a breakdown of costs, in each plan’s Summary of Benefits and Coverage (SBC). The SBCs summarize important information about your health coverage options in a standard format to help you compare costs and features across plans. AF T Electing a TCHHN PCP plan option means you agree to utilize TCHHN primary care providers (Family Medicine, Internal Medicine) for yourself and any covered spouses/dependents other than services provided at Pediatricians. Members under the age of 26 can always go to any Pediatrician covered in the Anthem network. Summary of Benefits and Coverage If you don’t want to be limited to TCHHN primary care providers (other than Pediatricians), then you should elect the non-PCP options for one of the plan designs, but please note your paycheck contributions will be higher. Please make this choice carefully since it impacts your family financially during the year. Electing the TCHHN PCP option will always be the most affordable for you. The SBCs are available on www.mytchbenefits.com. A paper copy is also available by emailing [email protected]. One important thing to remember is that you will always be capped at the lower TCHHN network deductibles and out-of-pocket maximum any time you use services at TCHHN providers and facilities, regardless of which plan you elect. So it is always an affordable choice to use TCHHN providers whenever possible. R The annual savings for selecting one of the TCHHN PCP options instead of the Non-PCP options is hundreds of dollars per year based on the plan design, your election tier, and whether you qualify for Diamond or Bronze rates. TCHHN PCP Options Non-PCP Options Basic HDHP, Standard HDHP, and Core PPO Basic HDHP, Standard HDHP, and Core PPO Deductibles, Out-of-pocket maximums & Coinsurance  Lower premiums  Higher premiums Preventive & General Care Visits No Difference No Difference D Premiums ▪ ▪ Family Medicine & Internal Medicine visits covered only if in TCHHN network Pediatrician visits covered if in Anthem’s network Family Medicine & Internal Medicine visits outside TCHHN network and Pediatrician visits outside Anthem network not covered. ▪ ▪ All visits covered if using in-network providers Cost based on network tier Prescription drug coverage included ▪ Clinics & Urgent Care Visits ▪ ▪ No difference Cost based on network tier ▪ ▪ No difference Cost based on network tier Specialist Visits ▪ ▪ No difference Cost based on network tier ▪ ▪ No difference Cost based on network tier 10 | 2024 BENEFITS GUIDE Health Coverage—Medical Differences between the TCHHN Medical Plans Health Coverage—Medical Three Network Tiers You may be used to a medical plan that only has one network of providers, but all of TCHHN’s health plans have two networks, the TCHHN Network and the Anthem Network. So how do the deductibles and outof-pocket maximums (OOPM) work if you and/or your family receive services from providers in both networks? Here’s an example of how the cross-reduction works using the Standard HDHP: EVENT TCHHN Network (Tier 1) Anthem Network (Tier 2) Plan Start Date $2,000 Received service in TCHHN Network and paid $100 OUT-OF-POCKET-MAXIMUN Out-ofNetwork (Tier 3) TCHHN Network (Tier 1) Anthem Network (Tier 2) Out-ofNetwork (Tier 3) $4,500 $4,500 $3,500 $7,500 $7,500 $1,900 $4,400 $4,500 $3,400 $7,400 $7,500 Received service in Anthem network and paid $250 $1,650 $4,150 $4,500 $3,150 $7,150 $7,500 Filled a prescription and paid $30 $1,620 $4,120 $4,500 $3,120 $7,120 $7,500 AF T The deductibles and out-of-pocket maximums (OOPM) for the TCHHN Network and Anthem Network will cross-reduce regardless of which plan you select, but will not reduce balances for Out-of-Network services. Any prescription drugs costs apply to both the TCHHN Network and Anthem Network balances. Once you meet the TCHHN Network OOPM, you won’t have any more prescription drug costs for the year, provided the prescriptions are eligible to be covered. DEDUCTIBLE BALANCE Any costs associated with visiting out-of-network physicians and facilities do not cross-reduce Tier 1 and Tier 2 deductible or out of pocket amounts, and since there is not a network contract with set discounted prices with those providers you can be balance-billed for the amounts the plan does not cover, so your liability could be much greater. Follow these instructions to find a TCHHN Network provider. R Differences between PPO and HDHP Medical Plans Similarities for PPO and HDHP Plans Same Provider Network Plan pays 100% once you meet your OOPM Same Preventive Care coverage at 100% D ▪ ▪ ▪ ▪ ▪ Coinsurance applies after deductible is met until Same list of covered services and exclusions OOPM is reached PPO HIGHLIGHTS ▪ ▪ ▪ ▪ ▪ ▪ Doctor Visits have flat copays No prescription drug deductible Deductibles are lower than HDHP Out of Pocket Maximums are lower than HDHP Paycheck contributions are higher than HDHP Can be paired with a Healthcare Flexible Spending Account (FSA), which allows you to contribute pre-tax dollars into it to use for that calendar year only ▪ Does not include an employer contribution HDHP HIGHLIGHTS ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ Doctor visits are billed at full rate until deductible met Prescriptions are billed at full rate until deductible met Deductibles are higher than PPO Out of Pocket Maximums are higher than PPO Paycheck contributions are lower than PPO Can be paired with a Health Savings Account (HSA), which allows you to contribute pre-tax dollars into it to use throughout the year Includes an employer contribution if you enroll in the Standard HDHP or TCHHN PCP Standard HDHP and contribute to an HSA ($500 single coverage, $1,000 family coverage) It’s good to have choices, but you need to understand the options so you can make the right decision. This is an overview of the differences between the PPO and HDHP plans. It’s very important that you understand these differences as they impact your healthcare costs out of your paycheck as well as when you utilize services throughout the year. 11 | 2024 BENEFITS GUIDE The Chart below provides a comparison of key coverage features and costs. The coinsurance percentages shown are the percent of covered charges you pay after the deductible has been met. You will pay that percent of covered charges until you need the out of pocket maximum for the year, and then the plan will pay 100% for the remainder of the year. BASIC HDHP TCHHN Network (Tier 1) Out-ofNetwork (Tier 3) TCHHN Network (Tier 1) Anthem Network (Tier 2) Out-ofNetwork (Tier 3) TCHHN Network (Tier 1) Anthem Network (Tier 2) Out-ofNetwork (Tier 3) $3,000 $6,000 $6,000 $2,000 $4,500 $4,500 $500 $1,500 $1,500 Team Member + 1 $6,000 $12,000 $12,000 $4,000 $9,000 $9,000 $750 $2,250 $2,250 Team Member + 2 or More $6,000 $12,000 $12,000 $4,000 $9,000 $9,000 $1,000 $3,000 $3,000 Team Member Only $4,200 Team Member + 1 $8,400 Team Member + 2 or More $12,600 Prescription Drug $6,000 $6,000 $3,500 $7,500 $7,500 $3,000 $7,500 $7,500 $12,000 $12,000 $5,625 $11,250 $11,250 $5,625 $11,250 $11,250 $12,900 $12,900 $7,500 $15,000 $15,000 $7,500 $15,000 $15,000 Combined with TCHHN Network Out of Pocket Max TCHHN HSA Contribution Team Members Only Combined with TCHHN Network Out of Pocket Max AF T None Out of Pocket Max(1) $500 annually Not eligible for employer contributions Team Member + 1 or More Not eligible for employer contributions $1,000 annually R Medical Coverage Details TCHHN PCP Option Anthem Network (Tier 2) CORE PPO Team Member Only Prescription Drug Preventive Care No charge Not Covered** Not Covered No charge 20% Not Covered** Not Covered** 20% No charge No charge Not Covered No charge No charge Not Covered No charge No charge Not Covered 20% 35% 50% 20% 35% 50% $25 copay $50 copay 50% Specialist Visits 20% 30% 50% 20% 30% 50% $45 copay $65 copay 50% Telemedicine 20% 30%** 50%** 20% 30%** 50%** $15 copay $15 copay** 50% Mental Health Office Visits 0% 10% 30% 0% 10% 30% $0 copay $25 copay 50%** Outpatient Surgery 20% 30% 50% 20% 30% 50% 20% 30% 50% Inpatient Hospital (per stay) 20% 30% 50% 20% 30% 50% 20% 30% 50% Emergency Room 20% 20% 20% 20% 20% 20% 20% 20% 20% Labs and X-rays 20% 30% 50% 20% 30% 50% 20% 30% 50% Primary Care Preventive Care Primary Care D NON-PCP Option STANDARD HDHP Not Covered** Not Covered Not Covered** Not Covered** No charge Not Covered** $25 copay Not Covered** Not Covered** *Out of pocket Max includes deductible, coinsurance, medical and prescription drug copayments. No individual to exceed $8,150 Network out-of- pocket maximum. **Primary care visits outside the TCHHN network not covered under the TCHHN PCP network plans. Preventative care services provided by an Anthem Network Pediatrician or Specialist are covered at no cost. 12 | 2024 BENEFITS GUIDE Not Covered Health Coverage—Medical Medical Plan Comparison Health Coverage—Medical Prescription Drug Coverage Details Preventative* Generic Brand Formulary Non-Formulary Specialty Retail – 30-day supply No charge 25% coinsurance; $40 max copay 25% coinsurance; $75 max copay 50% coinsurance; $100 max copay 50% coinsurance; $225 max copay Retail – 90 day supply No charge 25% coinsurance; $120 max copay 25% coinsurance; $225 max copay 50% coinsurance; $300 max copay 50% coinsurance; $450 max copay Mail Order – 90 day supply No charge 25% coinsurance; $105 max copay 25% coinsurance; $205 max copay 25% coinsurance; $300 max copay Not Available *Preventative drugs, as defined under the Affordable Care Act (ACA), will be covered by this plan at 100% when received from a Network Pharmacy with a valid written Prescription. Medical Plan Costs TCHHN Primary Care Provider Basic HDHP Total Premium Team Member Only Team Member +1 Team Member + 2 or More Coverage Level Imputed Income for Domestic Partner AF T Coverage Level Full-Time Your Biweekly Cost Your Biweekly Cost Diamond Premium Bronze Premium $14.89 $46.98 $53.34 $135.09 $98.00 $184.35 Basic HDHP Team Member Only Team Member +1 Team Member + 2 or More $330.32 $624.42 $888.29 Total Premium $330.32 $624.42 $888.29 Full-Time Your Biweekly Cost Your Biweekly Cost Diamond Premium Bronze Premium $18.67 $64.06 $66.87 $169.37 $122.87 $231.13 $294.10 $294.10 Imputed Income for Domestic Partner $294.10 $294.10 TCHHN Primary Care Provider Standard HDHP Coverage Level $350.98 $662.77 $944.20 R Team Member Only Team Member +1 Team Member + 2 or More Total Premium Full-Time Your Biweekly Cost Your Biweekly Cost Diamond Premium Bronze Premium $33.49 $95.83 $88.07 $172.36 $138.93 $227.60 Standard HDHP Coverage Level $350.98 $662.77 $944.20 D Team Member Only Team Member +1 Team Member + 2 or More Total Premium Coverage Level Team Member Only Team Member +1 Team Member + 2 or More Coverage Level Team Member Only Team Member +1 Team Member + 2 or More Full-Time Your Biweekly Cost Your Biweekly Cost Diamond Premium Bronze Premium $41.99 $120.15 $110.42 $216.11 $174.19 $285.35 Imputed Income for Domestic Partner $311.79 $311.79 Imputed Income for Domestic Partner $311.79 $311.79 TCHHN Primary Care Provider Core PPO Total Premium $370.37 $698.27 $994.45 Total Premium $370.37 $698.27 $994.45 Full-Time Your Biweekly Cost Your Biweekly Cost Diamond Premium Bronze Premium $71.94 $135.76 $155.05 $244.23 $236.92 $332.08 Core PPO Full-Time Your Biweekly Cost Your Biweekly Cost Diamond Premium Bronze Premium $90.20 $170.21 $194.39 $306.21 $297.04 $416.35 Imputed Income for Domestic Partner $327.89 $327.89 Imputed Income for Domestic Partner $327.89 $327.89 13 | 2024 BENEFITS GUIDE The Christ Hospital Health Network wants to help you and your family make good choices about your health, and save money whenever possible. As part of the MedImpact pharmacy program, we’ve teamed up with Paydhealth to bring you their Select Drugs and Products program. This program helps lower your healthcare costs by seeking sources of alternate funding for select specialty drugs, which are very expensive. Here are a few things to know: Enrollment in the program provides an opportunity to substantially reduce your specialty drug out-ofpocket costs – in many cases to no cost at all. You must enroll in the program to receive these benefits. Otherwise, your specialty medications will not be covered. This means you would have to pay the full cost of the specialty drug. ◼ All specialty drugs on the Select Drugs and Products list require review. If you are taking a specialty drug, or need to take one in the future: A Paydhealth program case coordinator will contact you, and you may receive a text message from them. Your case coordinator will tell you what you need to know about the program and will walk you through the enrollment process and requirements. AF T ◼ ◼ AMWINS Medicare Concierge Services We want to provide our team members with the best insurance value available, factoring in coverage, service and price, while also offering the flexibility of selecting from a wide variety of plans available throughout the country. To ensure that you have the best healthcare options available, TCHHN is pleased to offer a voluntary service, which is available to you and your eligible dependents as you become Medicare -eligible. R Effective October 1, 2022 eligible Team Members will have access to a concierge-style service, dedicated to helping you understand Medicare and your healthcare options. This service is provided exclusively by AMWINS Group Benefits and can even help determine whether Medicare or the TCHHN health plan is best for your health insurance needs. D You can select from several group-sponsored healthcare packages, which provide comprehensive and competitive Medical and Prescription Drug Plan options. Your AMWINS Benefit Specialist will be able to help you understand and review these options, which include: Group Medical Plans starting at $84 per month Rx Plans with full coverage through the “Donut Hole” ◼ Broad prescription formularies not found on the individual marketplace ◼ Unique medical plan designs not available on the individual marketplace An AMWINS Benefit Specialist can also help you select from a vast array of individual medical and prescription drug plans to create your own package. Your Benefit Specialist will help you understand all your options and can assist you through the enrollment process. ◼ ◼ 14 | 2024 BENEFITS GUIDE The AMWINS Medicare Concierge Service is designed to make the enrollment process for quality health insurance easy and informative. You can contact a dedicated Medicare Benefit Specialist to customize a program for you at 855-448-6502 Monday through Friday from 8am to 8pm. Along with this new concierge service, we are also adding a new dependent eligibility rule. If you would like to enroll in Medicare but you still have nonMedicare eligible dependents to cover, you can keep them enrolled while you enroll in Medicare. Your premiums will still be based on your wellness tier, but the coverage level will be adjusted based on how many family members remain covered on the Christ Hospital plan. Health Coverage—Medical PaydHEALTH Specialty Drug Savings Program Your wages are very important to you, and TCHHN wants to help team members understand ways to save money on healthcare costs when possible. Sometimes things happen that are beyond your control, but sometimes, with a little forethought and education, your decisions can keep more money in your pocket. Below are some specific benefits or suggestions that can help you save money throughout the year. Enroll in the TCHHN PCP Plans Use In-Network Providers Enrolling in one of the TCHHN PCP plans saves you money by reducing your contributions for the medical plan. When you elect the TCHHN PCP plan option it means you agree to use a Christ Hospital primary care provider (PCP) for yourself and your adult dependents. If you cover children you can visit any pediatrician in the Anthem network. All services for specialists, clinics, urgent cares can be with any provider in the Anthem network. Seeking healthcare from an in-network provider is always the best choice you can make. In-network providers have a contracted billing rate and you cannot be balance billed for any amount over that rate. You should always visit the Contigo, Delta Dental and EyeMed provider finder tools prior to seeing a new provider. This helps you stretch your dollars much further. As a reminder, there are two (2) in-network tiers and using Tier 1 providers has the highest savings. AF T Health Coverage—Medical Money Saving Tips Use the ALEX Decision Support Tool Enrolling in one of the high deductible health plans saves you money by reducing your contributions for the medical plan. Many team members only use preventive care and don’t have high healthcare expenses, so they’re overinsuring themselves by selecting the Core PPO. Save that money and put it into the HSA for future healthcare expenses, which is also a pre-tax benefit that reduces your taxable income. If you enroll in the Standard HDHP and open an HSA account, then you will also receive TCHHN contributions into your HSA account each year! Using the new ALEX decision support tool will help you identify what plans might be the best for you and your family, based on how you utilize various healthcare services. The tool will walk you through some questions and make recommendations based on the plans and costs and what would provide the best coverage and costs for you. Utilize AMWINS for Medicare Coverage Analysis Work with Paydhealth for Certain Specialty Drugs Medicare coverage and costs can be hard to understand. If you and/or any of your dependents are Medicare-eligible, but you’re unsure whether the TCHHN plans are the best options for you, you can call AMWINS at 855.448.6502 and speak with one of their expert Medicare consultants. They will work with you to understand your healthcare needs and provide you with a free analysis of all Medicare options available on the market. They can also provide options for dental and vision coverage. If you decide to enroll they will assist you in doing that. This is a free benefit for you provided by TCHHN and there is no obligation to take any action. TCHHN has partnered with Paydhealth beginning 1/1/23. If you take a specialty drug, which is typically very expensive, Paydhealth may reach out to you via phone and text to ask you to go through a quick financial analysis to determine if they can find alternative funding for your drug, which could reduce your out-of-pocket cost to $0. It takes a few minutes of your time to work with them on the analysis, but the savings to you could be thousands of dollars per year. D R Combine an HDHP with an HSA If Paydhealth reaches out to you, you must participate in the analysis or your specialty medications will not be covered. Get Your Preventive Care Exams Utilize Telemedicine Annual preventive care exams are covered at 100% on all of the TCHHN medical plans. Making sure that you have a primary care relationship, and getting your annual exams and bloodwork is an important way to make sure you understand your current health status, and that you detect issues early so that you can seek treatment before they affect your life and family. Waiting until you need to visit the emergency room or hospital is expensive and possibly life- threatening. Using TCHHN's 24/7 Video Visit service (accessible through MyChart or the TCHHN Mobile App) allows you to seek medical care 24 hours a day, 7 days a week for minor illnesses and injuries. If you have PPO coverage then your copay will be $15 (instead of $25 for a regular doctor visit), or 20% coinsurance if you have HDHP coverage (but at a reduced billed amount compared to regular doctor visits). This service can also save you a great deal of time rather than waiting for an appointment, driving to the doctor’s office, waiting to see the doctor, and then driving home. 15 | 2024 BENEFITS GUIDE If you enroll in a High Deductible Health Plan, you are eligible to open a Health Savings Account. An HSA is a tax-free savings account you can use to pay for eligible health expenses anytime, even in retirement. HSA Eligibility In order to establish and contribute to an HSA through TCHHN, you: ◼ ◼ ◼ ◼ ◼ Must be enrolled in The Christ Hospital Health Network’s HDHPs. Cannot be covered by any other medical plan that is not a qualified high deductible plan. This includes a spouse’s medical coverage unless it’s an HSA- qualified plan. Cannot be enrolled in a traditional healthcare FSA in 2024. Cannot be enrolled in Medicare, including Parts A or B, Medicare, or TRICARE. Cannot be claimed as a dependent on another person’s tax return. Cannot be a veteran who has received treatment, other than preventive care, through the Department of Veterans Affairs within the past three months. ◼ Keep your money. Unlike an FSA, the money in your HSA is always yours to keep and can be rolled over from year to year. You can take your unused balance with you when you retire or leave The Christ Hospital Health Network. AF T ◼ Hospital Health Network’s HSA contribution to your account. Basic HDHP plans are not eligible for TCHHN HSA contributions. D R How does an HSA work? ◼ Build tax-free savings for healthcare. You can make before-tax deductions from your paycheck into your HSA, allowing you to save money by using tax-free dollars to pay for eligible medical, prescription, dental, and vision expenses. The total amount that can be contributed to your HSA each year is limited by the IRS. The following limits for 2024 include any company contributions you receive: ◼ Up to $3,850* for employee-only coverage. ◼ Up to $ 7,750 * for Employee +1 or More coverage. ◼ Add $1,000 to these limits if you’re age 55 or older. ◼ Receive Company contributions. For 2024, The Christ Hospital Health Network will make the following contributions to your account if enrolled in the Standard HDHP or the TCHHN PCP Standard HDHP: ◼ $19.23 bi-weekly for employee-only coverage ($500 annually). ◼ $38.46 bi-weekly for employee + 1 or more coverage ($1,000 annually). ◼ Important: During enrollment, you must actively select an HSA contribution amount of $5 per pay period for 2024 in order to receive The Christ 16 | 2024 BENEFITS GUIDE ◼ Use it like a bank account. Pay for eligible medical, prescription, dental, and vision expenses for yourself and your family by swiping your HSA debit card, or reimburse yourself for payments you’ve made (up to the available balance in your account). Keep in mind that you may only access money that is actually in your HSA when making a purchase or withdrawal. There’s no need to turn in receipts (but keep them for your records). ◼ Earn interest and invest for the future. Once your interest-bearing HSA reaches a minimum balance, you can invest in a variety of no-load mutual funds similar to 403(b) investments. You can learn more at https:// learninglounge.pncbenefitplus.com/ or call 844-356-9993. ◼ Never pay taxes. Contributions are made on a before-tax basis, and your withdrawals will never be subject to federal income taxes when used for eligible expenses. Any interest or earnings on your HSA balance build tax-free, too.* * Money in an HSA grows tax-free and can be withdrawn tax-free if it is used to pay for qualified healthcare expenses (for a list of eligible expenses, see IRS Publication 502, available at www.irs.gov). If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn plus a 20% penalty tax if you withdraw the money for ineligible expenses before age 65. After age 65, withdrawals for ineligible expenses are only subject to ordinary income tax. Please review your state regulations as you may have to pay state taxes depending on your residency. Health Coverage—HSA Savings Account Health Savings Account (HSA) Tax-advantaged flexible spending accounts are a great way to save money. The money you contribute to these accounts comes out of your paycheck without being taxed, and you withdraw it tax-free when you pay for eligible healthcare and dependent daycare expenses. The Christ Hospital Health Network offers the following pre-tax Flexible Spending Accounts: Healthcare FSA ◼ Pay for eligible healthcare expenses, such as plan deductibles, copays, and coinsurance. ◼ Contribute up to $3,050 in 2024 (subject to final IRS requirements) Limited Purpose Healthcare FSA Note: If you enroll in the HDHP and have an HSA, you are not eligible to open a Healthcare FSA, but you can open a Limited-Purpose Healthcare FSA. ◼ ◼ Dependent Care FSA – Child daycare, babysitters, home care for dependent elders, and related expenses. To learn more, see IRS Publication 503 at www.irs.gov. You can also visit www.chard-snyder.com for more information regarding Flexible Spending Accounts. How do I spend my FSA money? When you enroll in a Healthcare FSA, you will receive a debit card, which you can use to pay for eligible expenses. Depending on the transaction you may need to submit receipts or other documentation to Chard Snyder, the FSA administrator. AF T Health Coverage—Flexible Spending Account Flexible Spendng Account Account (FSA) Use it to pay for dental and vision expenses. Contribute up to $3,050 in 2024 (subject to final IRS requirements). Dependent Daycare FSA ◼ Pay for eligible dependent care expenses, such as day care for a child or adult dependent care, so you and/or your spouse can work, look for work, or attend school full-time. ◼ Contribute up to $5,000 in 2024 R What’s an FSA eligible expense? HealthCare FSA – Plan deductibles, copays, coinsurance, and other healthcare expenses. To learn more, see IRS Publication 502 at www.irs.gov. Continuing in 2024 TCHHN has established claims feeds for your Contigo medical, Delta Dental dental and EyeMed vision insurance so that you won’t have to submit substantiation for those claims going forward. Dependent daycare claims must be submitted using a Chard Snyder claim form, and must include a signature and Tax ID number or SSN from the daycare facility or sitter. D HSA VS. HEALTHCARE FSA: WHAT’S THE DIFFERENCE? HEALTH CARE FSA HSA Standard & TCHHN Standard HDHP Basic & TCHHN Basic HDHP PPO Plan Eligible for TCHHN contributions ✓   Change your contribution amount any time ✓ ✓  Estimate Carefully! Access your entire annual contribution amount from the beginning of the plan year   ✓ Access only funds that have been deposited ✓ ✓  “Use-it-or-lose-it” at year-end   ✓ Money is always yours to keep ✓ ✓  Keep in mind, FSAs are “use it or lose it” accounts. You will forfeit any amount if you do not submit for reimbursement by March 31 each year. Available if you enroll in a … *You are eligible to contribute to a Healthcare FSA if you waive medical coverage or you enroll in one of the HDHPs, but don't contribute to an HSA. 17 | 2024 BENEFITS GUIDE Healthy teeth and gums are important to your overall wellness. That’s why it’s important to have regular dental checkups and maintain good oral hygiene. Learn about the dental plans available (new through Delta Dental of Ohio for 2024) to help you maintain your oral health. Core Dental Plan Benefits shown are for PPO in-network, Premier innetwork, and out-of-network providers. In-network coverage is based on negotiated fees, and you will never be billed more than the negotiated fees. Out-ofnetwork coverage is based on reasonable and customary (R&C) charges. If you see an out-of-network dentist, you may be billed the difference between the R&C charges and the actual charged amount. The coinsurance percentages shown are the percent of covered charges you pay after the deductible has been met. AF T In 2024 there will still be a Core and Buy-up Plan offered, to allow you to best select the services that you need for the year, but within each plan there will be a different level of benefits depending on whether your services are provided from Delta Dental’s PPO network, their Premier network, or an Out of Network provider. The highest level of benefits will always be with a provider in the PPO network, which you can find by visiting www.deltadentaloh.com/findadentist. PPO Network Premier Network Annual deductible (per person/per family) Calendar-year maximum $50 single / $150 family $750 per person 90%, no ded. Out of Network Preventive/diagnostic services 100%, no ded. Basic services 90% after ded. 80% after ded. 80% after ded. 50% after ded. 50%, after ded. 50%, after ded. Major services Orthodontia (limited to eligible dependent children under age 19) Core Dental Plan 90% after ded. Not Covered PPO Network Premier Network Annual deductible (per person/per family) Out of Network Preventive/diagnostic services 100%, no ded. $50 single / $150 family $1,500 per person 90%, no ded. Basic services 90% after ded. 80% after ded. 80% after ded. Major services 60% after ded. 60%, after ded. 60%, after ded. R Calendar-year maximum D Orthodontia (limited to eligible dependent children under age 19) 90% after ded. 50% to a $1,500 lifetime , maximum per child 2024 Biweekly Premium Costs– Full Time Team Members Core Dental Plan Your Biweekly Premium $4.14 Imputed Income for Domestic Partner $18.40 $8.28 $9.19 $30.36 $13.66 $9.19 Total Premium $14.60 Your Biweekly Premium $6.57 Imputed Income for Domestic Partner Team Member +1 $29.22 $13.15 $14.61 Team Member + 2 or More $48.20 $21.69 $14.61 Coverage Level Team Member Only Team Member +1 Team Member + 2 or More Total Premium $9.20 Buy-Up Dental Plan Coverage Level Team Member Only 18 | 2024 BENEFITS GUIDE Health Coverage—Dental Dental Having vision coverage allows you to save money on eligible eye care expenses, such as periodic eye exams, eyeglasses, contact lenses, and more for you and your covered dependents. Vision coverage will still be offered by EyeMed in 2024. 2024 Plans include a Buy-Up Vision Plan option to allow you to best select the services that you need for the year. Both plans cover vision services by providers in EyeMed's Select network as well as out of network providers. You may pay more if you receive care from an out of network provider. You can locate in-network providers by visiting www.eyemed.com. Exams Lenses Frames Contact Lenses (instead of glasses) The 2024 plans also include a new Healthy Eyes benefit. This feature includes getting a retinal imaging exam with a $15 copay rather than a discount, a Diabetic benefit that allows an extra office visit and diagnostic testing once every 6 months for those with Type 1 or Type 2 diabetes, and an additional eye exams for all children under 19 years of age. InNetwork Member Cost shown below: Core Vision Plan Buy-Up Vision Plan In-Network Benefits In-Network Benefits $25 copay (once per 12 months) $0 copay (once per 12 months) $0 copay; $130 allowance then 20% off balance over $130 (once per 24 months) $10 copay (once per 12 months) $0 copay (once per 12 months) $0 copay; $150 allowance then 20% off balance over $150 (once per 12 months) $0 copay; $115 allowance $0 copay; $150 allowance AF T Health Coverage—Vision Vision R If you use your vision benefit to purchase frames, you can get any frame, at any price for $0 out of pocket from LensCrafters® or Target Optical®. Simply visit freedompass.eyemed.com and use the authentication code EMFP23 to get your offer code. 2024 Biweekly Premium Costs—Full-Time Team Members D Core Vision Plan Coverage Level Team Member Only Team Member +1 Team Member + 2 or More Total Premium $4.29 $8.15 $11.97 Your Biweekly Premium $4.29 $8.15 $11.97 Total Premium $7.29 $13.84 $20.34 Your Biweekly Premium $7.29 $13.84 $20.34 Imputed Income for Domestic Partner $3.86 $3.86 Buy-Up Vision Plan Coverage Level Team Member Only Team Member +1 Team Member + 2 or More Imputed Income for Domestic Partner $6.55 $6.55 19 | 2024 BENEFITS GUIDE Our wellness programming and employee support resources are designed to help you maintain or move toward a healthy lifestyle through preventive care and other assistance when you need it. The listed resources are accessible all year round, but there are also Wellness Sprints hosted throughout the year. Visit the ‘Wellness’ page on MyTCH to see current programming. Wellness Portal All Christ Hospital team members have access to The Christ Hospital Health Network’s wellness portal, Wellright. The Wellright portal has tools and resources you can use to learn about your personal health risks and support your progress toward your mental, spiritual, physical, nutritional, or financial goals. This portal is also where benefits eligible team members go to complete the requirements for Know Your Numbers. AF T To read through the guide and complete the steps to set up an account, go here: Wellright Guide (myTCHHNbenefits.com) primary care physician offices offer behavioral health services without charge for patients of those practices. The behavioral health consultants can be accessed through your TCHHN primary care office, with a quick turnaround time from referral to appointment. Additionally, for team members who may not have a primary care physician, please contact Scott Ries, LISW-S - Manager, Behavioral Health, The Christ Hospital Physicians Primary Care 513-585-1097* *Please note that Scott Ries specializes in CBT (Cognitive Behavioral Therapy) Employee Assistance Program This confidential service provides assistance for everyday issues, at no cost to you. It’s all part of our commitment to supporting your total well-being. Get help with work-life issues, referrals for clinical, legal, and financial services and more. Team members have access to Unlimited telephonic or video counseling sessions and 3 face-toface counseling sessions per issue for nearly any issue or concern in your life. To begin taking advantage of this valuable benefit, visit www.mylifematters.com (company password TCHHN1) or call 1-800-634-6433. D R Backup Care & Enhanced Family Support Through our partnership with Bright Horizons, all TCHHN team members receive free access to sitters, pet care and housekeepers; screened, trained and placement of nanny’s; affordable back-up care solutions and exclusive discounts on tutoring, test prep and enrichment courses. For more information and to register, visit https://clients.brighthorizons.com/ ChristHospital Employer Username: ChristHospital | Password: Benefits4You You can also call 877-BH-CARES (242-2737). Employee Emergency Assistance Fund The Employee Emergency Assistance Fund, designed to support employees during times of crisis for which the employee is unable to manage, and other financial resources are found to be inadequate. The Christ Hospital Foundation and our generous donors help to fund this program for you, our healthcare heroes. For additional information, please contact Rev. Doug Mitchell at 513-585-1247. Behavioral Health Consults In addition to the services team members have access to through the LifeMatters Employee Assistance Program and the mental health services covered by our medical plans, The Christ Hospital Health Network 20 | 2024 BENEFITS GUIDE Job & Life Coach TCHHN has partnered with Cincinnati Works to provide FREE coaching sessions with one of their team members. The Cincinnati Works coach assists with financial planning, transportation and housing resources, conflict resolution, and many more services. For additional information, please contact Ashley Clos, Director of Community and Social Relations at 513-5852245 or [email protected] Meal Options For TCHHN team members who may need assistance in supplementing their current food needs, the TCHHN food pantry, located on 3-North room #3153 in the main hospital in Mt Auburn, provides free frozen soup and dinners, milk, and other supplemental food items from our community partner, La Soupe. Dinners are available M-W-F from 1:30 p.m. – 3:30 p.m. In addition, TCHHN FANS and EVS staff with perfect attendance for a pay period will receive a $5 café meal credit for every 8 hours worked up to 10 meal credits per pay period ($50 value). Wellness Platform Wellbeing & Team Member Support Your benefits include programs to help ensure financial security for you and your family. We also provide access to voluntary benefits designed to help you save money on valuable supplemental insurance coverage. For additional income protection, you may also choose to purchase voluntary life and AD&D insurance and your family. For the bi-weekly rates, visit mytchbenefits.com/benefit-options/life-and-addinsurance. You automatically receive basic life insurance so that you can protect those you love from the unexpected. BASIC LIFE There is no cost to you for this coverage. Part-Time (.5.79999 FTE) Team Member Full-Time (.8 or greater FTE) Team Member Management & Medical Residents 1.5 times your annual earnings up to $1 million maximum 2 times your annual earnings up to $1 million maximum Team Member Supplemental Life Up to 5 times your annual earnings up to $1.5 million maximum Spouse/ Domestic Partner Supplemental Life $10,000 / $25,000 / $50,000 flat amounts Child Supplemental Life (ages 0 to 25) $5,000 / $10,000 flat amounts 3 times your annual earnings up to $1 million maximum R Vice Presidents & Physicians 1 times your annual earnings up to $1 million maximum SUPPLEMENTAL LIFE INSURANCE If you want added protection, you may purchase supplemental life protection that you will pay for through payroll deductions. AF T Financial Coverage—Life Insurance & AD&D Group Term Life & AD&D Insurance Supplemental AD&D Insurance D Accidental death & dismemberment (AD&D) insurance is available for you and your family. Should you lose your life, sight, hearing, speech, or use of your limb(s) in an accident, AD&D provides additional benefits to help keep your family financially secure. AD&D benefits are paid as a percentage of your coverage amount — from 50% to 100% — depending on the type of loss. SUPPLEMENTAL AD&D INSURANCE Team Member Supplemental AD&D $50,000 to $250,000 in $50,000 increments Spouse/ Domestic Partner Supplemental AD&D 50% of your amount (if no children covered) Child 15% of your amount for each child (if Supplemental no spouse/domestic partner covered) AD&D (ages 0 (may not exceed $37,500 per child) to 25) Family Supplemental AD&D (Spouse/ Domestic Partner/ Children combined) 40% of your amount for spouse 10% of your amount for each child (may not exceed $37,500 per child) 21 | 2024 BENEFITS GUIDE The loss of income due to illness or disability can cause serious financial hardship for your family. Our disability insurance programs work together to replace a portion of your income when you’re unable to work. The disability benefits you receive allow you to continue paying your bills and meeting your financial obligations during this difficult time. Short Term Disability Benefit Years of Continuous Service Completion of the initial new hire introductory period and 180 days of employment, but less than one year. At least 1 year but less than 5 years. Physicians Not Applicable First week “Time out of Office”. Up to 6 additional weeks at 60% of base pay. AF T Completion of the initial new hire introductory period and 90 days of employment, but less than one year. Non-Physicians First week PTO. Up to 6 additional weeks at 60% of base pay. First week PTO. Up to 6 additional weeks of 80% of base pay, then up to 6 additional weeks at 60% of base pay. 5 or more years First week sick bank hours or PTO. Up to 13 additional weeks of 80% of base pay, then up to 12 additional weeks at 60% of base pay. Long-Term Disability D Have you named a beneficiary? Be sure you’ve selected a beneficiary for all your life and accident insurance policies. The beneficiary will receive the benefit paid by a policy in the event of the policyholder’s death. It’s important to designate a beneficiary and keep that information up-to-date. Visit https://www.standard.com/bendes/ to add or change a beneficiary. 22 | 2024 BENEFITS GUIDE First week “Time out of Office”. Up to 6 additional weeks at 80% of base pay, then up to 6 additional weeks at 60% of base pay. First week “Time out of Office”. Up to 13 additional weeks at 80% of base pay, then up to 12 additional weeks at 60% of base pay. Long Term Disability Benefit R The Christ Hospital Health Network offers long-term income protection in the event you become unable to work due to a non-work-related illness or injury. See Certificate of Coverage for benefit duration. Please see the summary plan description for complete plan details. Not Applicable Monthly Benefit ◼ Elimination Period ◼ Benefit Duration ◼ 60% of your base monthly salary up to $10,000 180 days of disability Until you’re no longer considered disabled, or you reach Social Security Normal Retirement Age (SSNRA), whichever comes first Financial Coverage—Disability Coverage Disability Coverage Financial Coverage—Retirement Savings Retirement Savings 403(b) Retirement Savings Plan Your TCHHN 403(b) Savings Plan provides advantages you may not get with other types of savings plans and helps you meet one of life’s important goals — saving for a financially secure retirement. Eligibility All team members are eligible for TCHHN’s 403(b) Retirement Savings Plan. New hires are automatically enrolled in the Plan at a 3% of pay contribution level. Once enrolled, the initial 3% of pay contribution level automatically escalates by 2% each year in the future, up to a maximum of 7% of pay. You can, however, elect to opt out of the automatic enrollment or make changes to the amount you save – at any time. Enrolling in the Plan You should receive e-mail notification, along with an enrollment kit, once you become eligible to enroll. If you don’t receive notification within 30 days of your hire date, please contact Fidelity. Once you enroll, you can change your contribution elections at any point throughout the year by calling Fidelity or visiting logging into your NetBenefits account. AF T Your Contributions You can contribute up to 75% of your eligible pay in Pre- tax or Roth contributions to your account each year. The type of contributions you make will depend on your financial goals and circumstances. Vesting Vesting refers to your ownership of the money in your account. You are always 100% vested in your own contributions. You become fully vested in any TCHHN contributions after 3 years. Both before-tax and Roth post-tax contributions count toward the IRS maximum of $22,500. If you are age 50 or older, you may make additional catch- up contributions — up to $7,500. R TCHHN Matching Contributions To support your retirement saving efforts, The Christ Hospital Health Network matches 50% on up to 6% of your contributions of your eligible pay. Eligible pay includes taxable compensation excluding fringe benefits and severance pay. Physicians, residents, fellow, interns, and student and temporary team members are not eligible for the TCHHN matching contribution. D Investment Elections The plan offers you a variety of investment options to choose from. It’s important to carefully consider your investment goals, retirement timeframe, and risk tolerance when deciding how to invest your plan contributions. Login to your NetBenefits account at NetBenefits.com/AtWork to learn more about your investment options. Need help? Don’t know how much to contribute or how to invest your contributions to meet your retirement goals? Want help balancing saving for retirement with your other financial goals, like getting out of debt or creating a rainy day fund? Contact one of Fidelity’s Planning Consultants at 866811-6041 or visit the Planning page on NetBenefits for additional assistance. 23 | 2024 BENEFITS GUIDE After you’ve carefully considered your benefit options and anticipated needs, it’s time to make your benefit selections. Follow the instructions to enroll yourself and any eligible dependents in health and insurance benefits for 2024. How to Enroll New team members have 30 days from your hire date to make your medical, HSA/FSA, dental, vision, and supplemental life insurance elections in TCHpoint. Annual Enrollment is your opportunity to review and change your benefit elections for the upcoming year and enroll in additional benefits, like critical illness, hospital indemnity, whole life, and accident insurance. BENEFIT TELEPHONE NUMBER Medical Dental Vision Flexible Spending Accounts Health Savings Accounts ◼ ◼ ◼ ◼ Critical Illness Accident Hospital Indemnity Whole Life ◼ ◼ ◼ ◼ (513) 263-1500 TCHpoint transamerica.benselect.com/enroll (800) 922-1425 Login Instructions Username: EEID or SSN (either will work) PIN: Last 4 digits of SSN and last 2 digits of birth year Legal Plan Auto, Home and Renters insurance Pet insurance Identity Protection (800) 922-1425 TCHHNVoluntaryBenefits.com 403(b) Retirement Savings Plan (800) 343-0860 NetBenefits.com/AtWork R ◼ AF T ◼ ◼ ◼ ◼ ◼ WEBSITE D Visit mytchbenefits.com/take-action/make-benefit-elections for detailed new hire and annual enrollment instructions. Please see the following page for more information regarding mid-year qualifying event changes. Effective date of coverage For new team members, the effective date of coverage for most plans is the first of the month following your date of hire. The effective date of coverage for team members hired on the first of the month is your date of hire. For existing team members enrolling during Annual Enrollment, the effective date of most plans is January 1st annually. 24 | 2024 BENEFITS GUIDE Enrollment Enrollment Details Your coverage effective date will be the day of the event. Event Marriage Divorce Birth or adoption of a child Death of a spouse or dependent Spouse gains or loses employment that provides health benefits Results if Action Not Taken Your new spouse must be added to your elections within 30 days of the marriage date. A copy of the marriage certificate must be attached when submitting your marital status change in the TCHpoint portal. A completed Dependent Insurance Inquiry Form will also be required if adding your spouse to the plan. Your spouse is not eligible until the next Annual Enrollment. Benefits are not available for the divorced spouse and will be recouped if paid erroneously. The former spous