2015 United States Benefits Helping you live well across the continuum of Health + Care
CONTENTS
Overview & Welcome 02
Healthe at Cerner 04 Healthe Clinics & Pharmacies
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Healthe Fitness Centers 09 Health Care 11 Dental 13 Vision 14 Disability Plans & Leaves
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Life Insurance 16 Supplemental Benefits Personal Accident Critical Illness
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Legal Plan 18 Savings & Retirement
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Associate Assistance Program
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Time Off 21 Additional Benefits Long Term Care Dependent Care FSA Commuter Benefit Corporate Discounts Tuition Reimbursement
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Children’s Learning Centers 23 Cerner Maternity 23 Healthe Living with Rewards 24 Price Tags 25 Glossary 27 Contacts 29 This is a brief overview of Cerner Benefits and Policies. For complete Plan and Policy details, including eligibility requirements, see the Benefit Plan or Policy documents on the uCern Human Resources Knowledge Base.
Health & Wellness Savings & Retirement Time & Life To my fellow associates
At Cerner, our work is far more than just a job; it’s a passion that can have a meaningful and lasting input on the health and care that others receive every single day. We believe in offering benefits that align with our vision for the health care industry worldwide with options that meet your physical, financial and emotional needs while supporting a healthy lifestyle. As a consumer of health care, you have the right to information, quality care, expedited reimbursement and increased convenience. Our Healthe at Cerner programming offers holistic programs, services and tools that meet you wherever you are in your health + care journey. Healthe at Cerner is designed to empower you and your family to obtain your optimal level of health. Our progressive and competitively-priced benefits and strategic wellness offerings are attributable to your participation in programs designed to support healthier lifestyles. So keep participating, work toward your health and wellness goals, and live well! Julia M. Wilson, Exec. VP, Chief People Officer
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Simplicity, Choice & Flexibility Cerner offers a complete set of benefits to address your physical, financial and emotional health. At Cerner, we believe the foundation for a successful career starts with a variety of options that meet your needs while supporting a healthy lifestyle.
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Healthe at Cerner
Cerner supports and encourages healthy lifestyles through what we call Healthe at Cerner, our coordinated programs and services around health and wellness designed for you and your family members. Healthe at Cerner lets you take an active role in managing and achieving your health and wellness goals; it is our mission to empower associates and their families to obtain their optimal level of health.
Healthe at Cerner is comprised of health benefits, wellness programs and onsite services including: Cerner Health Plan Progressive benefits that give you more control over your health care expenses, including educational resources, decision making tools and easy access to financial information. Cerner’s Health Benefits are administered by Cerner HealthPlan Services. Healthe Living with Rewards Helps you achieve optimal health and wellness through wellness evaluations, preventive care, healthy activities and educational offerings while earning points toward premium reduction and your Health Reimbursement Account (HRA). Healthe Clinics Lets members establish a medical home and experience high-touch and high-tech primary care. Healthe Pharmacies Provides convenient, competitively priced pharmacy services. Healthe Fitness Centers Offers a variety of programs and services to help you keep on track with your exercise needs.
Health Care Powered by Technology
Cerner offers a variety of tools and applications to help you proactively manage your health. From wellness programs and health coaching services to an electronic personal health record, Cerner gives you all the resources you need to achieve the optimal health outcome. Upon enrollment, you will use your Cerner Health login to connect to these resources. Our personal health management tools, connected by Cerner Health, give you the power to manage your health using information from your providers and hospitals. Use these tools to communicate securely with your doctors about health care matters, request prescription refills, or schedule an appointment online. The personal health management tool also allows you to access your health benefits information online including health care expenses and easy to access financial information. 4
Health & Wellness About Healthe at Cerner
As a consumer of health care, you have the right to information, quality care, expedited reimbursement and increased convenience. You and your family should feel empowered and have the tools to actively manage all aspects of your health + care. Healthe at Cerner sets new standards for consumer-driven health care. By accessing Healthe at Cerner tools and services, such as Cerner HealthPlan Services, Health + Care GPS (powered by ConsumerMedical), Price Transparency (powered by Change Healthcare) and the Healthe Clinic, you will create and enhance the connections you need to make the best health care choices for you and your family.
Health Brief Learn more about Healthe at Cerner’s initiatives throughout the online Cerner Health Brief: cernerhealthbrief.com.
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CONTINUUM
HEALTH
STAY WELL
CARE
MANAGE WELL
GET WELL
Healthe at Cerner is designed to help you live well throughout the course of your life by offering programs and services that span across the entire continuum of health and care.
Stay Well
Become an educated health consumer by integrating fitness, good nutrition and fun into your work and life. • Access to the fitness centers at no cost to you and your dependents with options for fee-based personalized training • Wellness classes for associates and dependents • Ability to participate in personal and team challenges, such as steps and weight loss challenges • Sponsorship of entries to select runs and walks • Kansas City Corporate Challenge participation opportunities to form teams or compete individually • Access to healthy food options and nutritional labeling in our cafés
Manage Well
Achieve your health goals through Cerner’s progressive approach to health benefits and engagement with multi-disciplinary health coaching opportunities. Comprehensive health coaching with a multidisciplinary care team is designed to educate, motivate and support members with health conditions or concerns to help them manage and improve their health. Tools and resources, such as Brain Health, Health + Care GPS powered by ConsumerMedical and Price Transparency powered by Change Healthcare, can help you better manage your health and care. Healthe Living with Rewards is Cerner’s incentive-based wellness program for primary members and their spouses/partners. Eligible members have the opportunity to earn premium reductions and dollars toward their Health Reimbursement Account (HRA) through participation in a variety of wellness-based activities.
Get Well
Experience high quality preventive and sick care in a medical home environment with access to the Healthe Clinics, Healthe Pharmacies and preventive screenings. With Cerner’s health benefits, you are able to receive preventive care covered at 100% by the health plan, which includes annual visits, flu shots and a variety of other screenings based on your age and gender. Select a Primary Care Provider to help you navigate and become involved in the Team Care model. For those with a chronic condition and four or more prescriptions, Tria Health can help you manage your medications. 6
Healthe Clinics As a Cerner Associate, you and your family have a new way to experience health + care. The Healthe Clinics at Cerner’s World Headquarters (WHQ), Innovation Campus (IC) and Continuous Campus (CC) offer associates and their eligible dependents convenient, cost effective, patient-centered quality care, as well as a full-service pharmacy.
Patient Experience
The Healthe Clinic is changing the way primary care is being delivered. From the initial contact with clinic staff, to the collection and payment for services, the Healthe Clinic delivers a truly unique experience to associates and dependents. Emulating a service model that is often found in the high end retail industry, where the customer is at the center of activity, the Healthe Clinic space and workflow is designed with this patient centric approach. This is evident in the access members have to schedule online appointments to the transparency that is shown via display of electronic medical records during the visit. Cerner and our technology partners are creating a new delivery method to primary care that will bring value to the member and Cerner.
The Medical Home Model and Team Care
The Healthe Clinic can serve as your Medical Home, an approach for comprehensive and ongoing primary care that focuses on partnerships between patients and their providers. Since opening in 2006, the Healthe Clinic has provided Cerner associates and their fami-
lies patient-centered, integrated quality care in a nurturing environment. As your Medical Home, you will develop a mindful clinician-patient partnership built around trust, respect and shared decision-making. Your care team will coordinate care for both wellness and illness, a whole person care approach.
Eligibility and Service Pricing
Associates and dependents enrolled in a Cernersponsored health plan are eligible for professional services, in-house labs, and eVisits at no cost. Out-ofhouse labs, pharmacy services, chiropractor services and over the counter medications are the patient’s responsibility. If you are enrolled in a non-Cernersponsored health plan (other employer health plan) or private health plan you are not eligible for the Healthe Clinic Plan but may access the clinic services. The associate and dependent will be responsible for full clinic pricing, payment and submission of request for reimbursement from their own health plan. Associates and dependents not enrolled or covered by any health plan or those who are enrolled in Medicare Part B are not eligible for the Healthe Clinic.
Services include: • Annual physical exams Sports, pediatric and wellness exams for men & women
• Urgent Care (injury/illness) • Chiropractic care • Wellness planning & coaching • Dietitian consultation • Virtual telephone and secure messaging visits • Immunizations Pediatric and adult • Minor procedures
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• Behavioral health services
Healthe Pharmacies Located in the Healthe Clinics, the pharmacies offer quality affordable service at a convenient on-site location. The pharmacists at the Healthe Clinics are highly trained in asthma, diabetes, metabolic syndrome, over-the-counter (OTC) products and immunizations.
Quality Service
• Pharmacists provide drug and health information • Assist in selecting OTC products and medications
Convenience
• Share same hours as the Healthe Clinics • Friendly, efficient service • 90-day supplies of medication • Secure messaging through Cerner Health– available anytime
Competitive Price
• Savings passed to you based on our contracted costs • Available generic products stocked in place of the brand name products • Average discount 20-90% less than community pharmacies
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Healthe Fitness Centers Healthe Fitness Centers
There are three Healthe Fitness Centers, located at our main Kansas City campuses. The Healthe Fitness Centers are full-service, offering a robust group exercise curriculum, cardio equipment, weights and locker rooms. The WHQ Healthe Fitness Center houses a multi-purpose gymnasium, swimming pool with lap lanes and two racquetball courts. The IC and CC Healthe Fitness Centers feature Technogym equipment, which uses state-of-the-art cloud-based technology. Members use a Smartkey, which holds personalized workouts designed by the fitness center specialists to meet each member’s needs and goals. In addition, the Healthe Fitness Centers offer a variety of programs and services to help members keep on track with their exercise needs. Degreed exercise professionals use health and fitness goals to create personalized exercise programs for each member. Recreation leagues and group exercise classes are also offered throughout the year to enhance both your fitness and your network of fellow Cerner associates.
Health Club Reimbursement
Non KC-based associates are eligible for health club reimbursement up to 50% of monthly individual membership fees, up to a maximum per month at approved facilities.
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Other Programs & Tools Healthe at Cerner Portal
The Healthe at Cerner Portal is a place where you can track your food, log steps, track cardio and strength activity and enroll in wellness classes and workshops. The Healthe at Cerner Portal is also where you’ll participate in the Healthe Living with Rewards program and earn points towards premium reduction dollars and health reimbursement account dollars. Access the Healthe at Cerner Portal on https://healtheatcernerportal.cerner.com
Healthe Living with Rewards
Research indicates those who actively manage their health achieve better outcomes and lower costs. Eligible Cerner Health Benefits members and their spouses/partners have the opportunity to participate in the Healthe Living with Rewards Program and earn premium discounts and Health Reimbursement Account (HRA) points. See page 24 for additional information.
Health + Care GPS, powered by ConsumerMedical
Become a highly effective health care consumer and get the best possible care for you and your family. Health + Care GPS helps you get the best out of the health care system by answering the five most important questions in health care: • What do I have? Help confirming the diagnosis you’ve been given is correct. • What do I need? Help understanding your treatment options and confirming that the one being recommended is the best one. • Where do I go?
Help getting to the leading doctors and hospitals for your care.
• What does it cost? Help learning how to shop for your care so you get the best quality and price, and save money. • How do I connect? Help building a strong support network with your family, friends, and other patients through local and online communities. Surgical Decision Support incentive opportunity! Have you received a recommendation by a physician for any of the following surgeries: lower back, hip replacement, knee replacement or hysterectomy? If yes, you may be eligible for a $400 gift card! To see if you qualify, contact ConsumerMedical at 1-888-361-3944. Access Health + Care GPS on www.CernerHealth.com
Price Transparency, powered by Change Healthcare
After you’ve engaged with Health + Care GPS, now it’s time to shop. Shopping for the right physician, pharmacy or clinic can be a difficult task; that’s why Cerner has partnered with Change Healthcare to implement a tool that makes finding the right health care easy. Price Transparency is an online tool that lets you compare providers on a variety of health care services and prescriptions — based on your preferences for cost, quality and driving distance — so you can make the best choice for you. Access Price Transparency on www.CernerHealth.com
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Health Care 2015 Deductible
Cost Share Plan Pays 85%
Annual Maximum
Associate Only
$1,400
Up to $1,000
$2,400
Associate + Spouse/SGDP Associate + Child
$2,200 $2,000
Up to $1,600 Up to $1,400
$3,800 $3,400
Associate + 2 Children Associate + 3 Children Associate + 4 or more Children
$2,200 $2,300 $2,400
Up to $1,600 Up to $1,600 Up to $1,600
$3,800 $3,900 $4,000
Associate + Spouse/SGDP + 1 Child Associate + Spouse/SGDP + 2 Children Associate + Spouse/SGDP + 3 Children Associate + Spouse/SGDP + 4 or more Children
$2,600 $2,800 $2,900 $3,000
Up to $2,000 Up to $2,000 Up to $2,000 Up to $2,000
$4,600 $4,800 $4,900 $5,000
2015 Coverage Level
See Appendix IV for benefit premiums/price tags.
Consumer-Driven Health Plan with HRA*
The health plan, administered by Cerner HealthPlan Services, is a nationwide plan that combines the security of comprehensive coverage, with a focus on preventive care and the flexibility of an innovative, Cerner funded, Health Reimbursement Account (HRA) that members may use to pay health care expenses. This progressive approach offers members more control of health care expenses. The Plan also provides members with educational resources, decision-making tools and easy access to financial information. *Hawaii Associates are eligible for health care coverage through HMSA. For more information, contact the HR Service Center.
Providers
A Cerner Health Benefits member should use the providers in the network offered by Cerner to receive the highest level of benefits. These in-network providers are contracted at a savings for both plan and member. Generally, during the cost share portion of your health plan, the in-network allowable amount paid for services by the Plan are covered at 85%. When services are rendered by providers not in the network (out of network), the amount paid for covered services is 65% of the allowed amount and the member is responsible for any amount over the 65% and includes the difference between the total charge and the allowed amount. It is the Cerner Health Benefits member’s responsibility to confirm they are using an in-network provider by checking with the provider’s office prior to the first visit or service. 11
Provider Network
The Cerner Health Benefits Plan network, offered to an associate and his/her dependents, is determined by the primary subscriber’s home address (location). The “primary” member is the associate who has elected the benefit coverage and is responsible for the premium payment. Cerner leverages national and regional provider networks to offer expanded access with increased discounts for Cerner Health Benefits members. Find network information and learn more about your benefits by talking to ALEX®, the host of an online experience that uses humor and simple explanations to help you understand and make the best benefit decisions for you and your family. Network information is located under the “Medical” section within your Health Plan Summary page. Meet ALEX at: https://ALEXforCernerBenefits.com. Cerner Associates can access network information on www.CernerHPS.com (“Find a Doctor” page).
Health Care Health Reimbursement Account (HRA)
The Cerner Health Plan provides a $400 HRA that can be used to pay a member’s qualified medical expenses, including dental and vision. The HRA is funded by Cerner each year. • The HRA will be available as of your coverage begin date and may be pro-rated for mid-year enrollment • The HRA may be used for your eligible Dependents’ qualified expenses • Any unused amount at the end of the year is automatically carried forward into the next year if you are still enrolled in the health plan
Health Care Flexible Spending Account
A Flexible Spending Account (FSA) is provided to allow you to pay for eligible expenses with pre-tax dollars. The Health Care FSA may be used for reimbursement of eligible medical expenses incurred by you and/or your eligible dependents. • Your minimum annual deposit to the FSA is $250 • Your maximum annual deposit to the FSA is $2,500 You do not have to be enrolled in the health plan to enroll in the FSA. FSA dollars do not rollover from year to year and must be used by March 15 of the following Plan Year.
Preventive Care
The Plan covers preventive care at 100%, which means you and your covered dependents may be eligible for important preventive services which can help you avoid illness and improve your health. You will not have to pay towards your deductible to receive preventive health services received from an “in-network provider” such as recommended screenings, vaccinations and counseling. For a list of all covered services please go to https://www.healthcare.gov/what-are-my-preventive-care-benefits/
Prescription Drug Coverage
Our Cerner Health Plan integrates prescription coverage with medical coverage. This means that your prescriptions are treated the same as medical expenses. The nationwide network of pharmacies provides discounted medications to plan members as well as 90 day supplies at preferred providers and mail order prescriptions. MedTrak provides members with important pharmacy information, including your claims and benefits, medication education and prices and mail order services. Remember, the Healthe Pharmacies also offer discounted prescriptions at three convenient on-site locations.
Tria Health
Medication management is complex and can create potential health risks. That’s why Cerner has partnered with Tria Health to provide you with the tools and information to help you manage your medications. Tria Health is committed to improving the quality and affordability of health care through patient-focused consultations with clinically trained pharmacists. These pharmacists work with you and your physician to ensure medications are safe, effective and affordable. More information about Tria Health will be coming in 2015. 12
Dental Health The Dental Plan is administered by Delta Dental of Missouri, which covers four classes of treatment in our two-tiered national network including preventive services, basic services, major services and child orthodontics. Preventive care is covered with no deductibles, and basic and major dental are covered with a deductible and cost share. Cerner offers three dental plans: • Dental Basic Plan • Dental Plus Plan • Dental Premier Plan Major services are covered under the Plus and Premier plans, including crowns, veneers, prosthodontics, implants and oral surgery. Orthodontia is covered under the Premier plan for children 18 and under. The Dental plan provides both in and out of network benefits.
Delta Dental of Missouri Plan
Deductible
Annual Plan Maximum
Services Covered
% (PPO/Premier)
Basic
$50
$1,200
Preventive Basic
100% 85% / 80%
$1,200
Preventive Basic Major
100% 85% / 80% 55% / 50%
Plus
$50
Preventive 100% Basic 85% / 80% $75 $2,000 Premier Major 55% / 50% Orthodontia 50% Deductible per person enrolled, max of 2 per year. Annual max per person, per plan year. Orthodontia has a lifetime maximum of $2,000 per child. www.deltadentalmo.com
Did you know?
All three dental plans cover preventive services at 100%. This includes cleaning and oral examinations twice per year and X-rays. 13
Vision Health The Vision Plan, managed by Vision Service Plan (VSP), provides comprehensive coverage and services, including examinations, lenses and frames with providers in the Vision Choice Network. The Vision Plan covers a yearly examination and either lenses or contacts every 12 months. In addition to discounts on contacts and frames, VSP offers additional discounts through participating providers: • Non-Covered Glasses– 20% discount on usual and customary fees • Contact Lenses– 15% discount on participating doctor’s professional services • Lasik Surgery and PRK– Discounts averaging 15% off or 5% off promotional pricing
Vision Service Plan (VSP) Type of Service
Coverage
Examination
$15 co-pay
Frames - Every 24 months or every 12 months for children under the age of 18
Up to $175
Glasses (lenses)
$35 co-pay
Anti-reflective coating
$30 co-pay
Elective contacts
Up to $125
Necessary contacts
$35 co-pay
www.vsp.com
Did you know?
The vision plan also provides discounts on services and procedures through a VSP participating provider—including Lasik Surgery and PRK. 14
Leaves & Disability Plans Leaves
Occasionally associates experience situations that require them to be away from their work. Cerner provides a comprehensive set of absence and leave policies to allow associates to balance personal and work needs. For length of leave, eligibility and benefits contingency, please refer to the Cerner Absence and Leave Policy.
Short Term Disability
Short Term Disability (STD) may be requested when you are unable to work due to a serious medical condition. The policy may provide income to you while you are on a certified medical leave of absence. The policy has a one week waiting period, before paying 100% of your base salary for 7 weeks. After 7 weeks, the policy provides 60% of your base salary for an additional 5 weeks. Once STD has been exhausted you may be eligible for Long Term Disability benefits, if you have enrolled.
Long Term Disability
The Long Term Disability (LTD) plan provides you with income equal to 50% or 60% of your insured salary in the event you become disabled and are unable to work due to medical reasons. The premium is paid with after-tax dollars so that the benefit, if ever needed, is non-taxable. Long Term Disability will typically not run concurrent with a leave. Our benefit partner for this plan is The Standard.
Adoption Leave and Assistance
Cerner recognizes the costs associated with adopting children and supports adopting parents by offering financial assistance for adoption fees and a paid parental leave. You may receive reimbursement for expenses up to $5,000 per adoption.
Types of Leaves • Family and Medical Leave Act (FMLA) • Cerner Medical Leave • Maternity Leave • Paternity Leave • Adoption Leave • Personal Leave of Absence • Long Term Service Award
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If you will be away from the office on a planned basis, it is always your responsibility to discuss the situation, in advance, with your manager or group executive.
Life Insurance & Travel Plans Basic Life
Life coverage equal to your annual base salary (rounded to the next $1,000) to a maximum of $500,000 is provided at no cost to you.
Basic Accidental Death & Dismemberment
Accidental Death & Dismemberment (AD&D), equal to your annual base salary (rounded to the next $1000) to a maximum of $500,000, is provided at no cost to you. An additional schedule of benefits may apply.
Optional Associate Life and Dependent Life Insurance
Optional associate life insurance can be purchased in Evidence of insurability required if: increments of $10,000, up to a maximum of the lesser of $2,000,000 or five times your annual base salary. • You, or your spouse/partner request coverage over the Guaranteed Issue amount of $500,000 on yourself Rates are based on your age. or $50,000 for your spouse/partner during your new Spouse/partner coverage, also age-rated, can be pur- hire enrollment chased in increments of $10,000, up to a maximum of the lesser of $250,000 or the amount of the Optional • You request an increase greater than $10,000 during Associate Life coverage. a subsequent enrollment period, or Child life insurance can be purchased in increments of $5,000 up to $15,000 maximum for each eligible dependent child. Evidence of insurability is not required for children.
• You request an increase that will surpass, for the first time, the Guaranteed Issue amount of $500,000 for the associate or $50,000 for the spouse or same gender partner during a subsequent enrollment period.
Travel Plans
Cerner provides travel life, accident and emergency medical insurance plans for associates and their eligible dependents at no cost. All eligible associates are automatically enrolled. These benefits are insured by ACE American Insurance Company.
Travel Emergency Medical
Travel protection insurance is provided to Cerner associates traveling on international business. The plan provides the following types of coverage: • Secondary Medical Insurance for Accidents and Illness • Emergency Medical Evacuation and Repatriation • Medical assistance services
• Travel assistance • Personal assistance
This plan is secondary insurance and will pay covered claims after any other insurance or national healthcare payments are made. The maximum benefit per accident/illness is $100,000. Coverage begins when you leave your place of residence or employment, whichever occurs last, provided your destination is outside your country and continues until you return to your residence or place of employment, whichever occurs first.
Travel Life and Accident
This Plan ensures you up to a maximum benefit of $200,000 if you experience a loss while traveling on business for Cerner*, excluding normal commuting to and from work. Travel Accident Insurance pays the lesser of one times your Annual Salary or $200,000 for a loss incurred while on a business trip. • Eligible Dependent Spouse: $25,000 • Eligible Dependent Children: $10,000 *Includes Personal Deviation for up to ten days
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Supplemental Insurance: Aflac Aflac is different from major medical insurance. If you’re sick or injured, Aflac pays cash benefits directly to you to help address out-of-pocket medical costs and everyday expenses. Aflac voluntary insurance provides the added comfort of being better prepared for whatever life may bring.
Personal Accident
After an off-the-job accident, you may have expenses you’ve never thought about. It’s reassuring to know that an accident insurance plan can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow-up treatments or physical therapy. Personal Accident insurance (with the advantage of group rates) helps with out-of-pocket costs that arise when you have a covered accident such as a fracture, dislocation, or laceration.
Benefits: • More than 50 events that trigger benefits payments • Outpatient Medical Benefit • Hospital Admission Benefit • Hospital Confinement Benefit • Guaranteed-issue coverage with no underwriting required • Portable coverage that allows associates to retain coverage at the same rate if their employment status changes
Critical Illness
The Aflac Critical Illness Insurance plan can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack, or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical bills. With Critical Illness Insurance, you receive cash benefits directly (unless otherwise assigned)— giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses. 17
Benefits: • Lump-sum benefit for a covered critical illness such as: cancer, heart attack, stroke, major organ transplant, and end-stage renal failure • Benefit for a recurrence of the same critical illness if separated by at least 12 months • An additional occurrence of a different critical illness if separated by at least 6 months • A wellness benefit is provided if you complete at least one covered health screening
Legal Plan The Hyatt Legal Plan offered through MetLife gives you easy and low-cost access to a wide variety of personal legal services.
Access
The Legal Plan provides members with access to a nationwide network of more than 11,000 attorneys from which to choose. Using attorneys in this network will provide coverage for eligible legal services with no additional attorney fees. You also have the flexibility to use a non-plan attorney and get reimbursed for covered services according to a set fee schedule.
Services Covered
Attorney fees for the following personal legal services are fully paid for by the plan when you use a plan attorney. There are no limits on the number of times you may use the plan and there are no dollar limits on your use of a plan attorney for the following services: • • • • •
Consumer Protection Debt Matters Defense of Civil Lawsuits Document Preparation Family Law
• • • •
Real Estate Matters Traffic Matters Wills and Estate Planning Immigration
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Savings & Retirement Building a diverse financial portfolio is vital to the well-being of all our associates. Our investment plans include a 401(k), with a variety of investment options, and an Associate Stock Purchase Program. This enables our associates to build equity in the company and helps them establish long-term security.
401(k) Plan
The Cerner 401(k) Retirement Plan allows associates to set aside money for retirement on a pre-tax and/or Roth (post-tax) basis. • Elect between 1% and 80% of eligible compensation to be deferred into the plan annually • Change contribution elections at any time • 2015 IRS contribution limits: o 402(g) deferral limit is $18,000 o Catch-up limit is $6,000 Rollover contributions can be made from a former employer’s qualified 401(k) or 403(b) retirement plan or an IRA rollover.
Cerner Matching Contributions*
Cerner matches 33% of the first 6% of your deferral amount. A second tier match of up to 2% of your paid base compensation will be determined annually by Cerner, based on attainment of corporate goals. This match is subject to eligibility criteria. Contributions will remain nontransferable until 3 years of continuous service All Cerner contributions are automatically invested in Cerner stock and are subject to a 5 year graded vesting schedule. Years of Service <1 Year of Service 1 Year of Service 2 Years of Service 3 Years of Service 4 Years of Service 5 Years of Service *Matching is discretionary
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Vested Percentage 0% 20% 40% 60% 80% 100%
Associate Stock Purchase Plan
The Associate Stock Purchase Plan provides eligible participants with an affordable and convenient method to purchase stock and share in the success of the company. Contributions to the plan are deducted, on a posttax basis, from your paycheck. Participants may elect any whole percentage between 1% and 20% of your total compensation to purchase Cerner stock. The deferrals are accumulated and, at the end of the Option Period, are used to purchase shares of common stock. The purchase price will be 15% less than the Fair Market Value on the date of the purchase (the last business day of the quarter). The Plan operates on quarterly Option Periods, beginning on the 1st day of January, April, July and October of each year. You may participate in the plan by accessing Morgan Stanley Smith Barney’s website, www.benefitacccess.com, and submitting an election during a quarterly open enrollment period.
Cerner Stock • Publicly traded and quoted through NASDAQ under the ticker symbol CERN • Enables you to accumulate ownership in the company • Stock splits– 1992, 1993, 1995, 2006, 2011, 2013
Associate Assistance Program Cerner has contracted with New Directions Behavioral Health and Cerner HealthPlan Services to provide Cerner with an Associate Assistance Program (EAP). New Directions provides pre-paid counseling services by licensed counselors. Associates and/or their family may access this service via telephone. Service is available on a variety of topics (i.e. work, family, personal). New Directions’ specialists provide assistance 24 hours a day, 365 days per year to participants.
Confidential Counseling
• 6 visits per issue at no cost for associates and family members • Help addressing stress, depression, relationships, parenting, substance abuse and work related problems
Information Services
• Prenatal health/adoption • Childcare and eldercare referrals • Financial and legal referrals • Featured articles on healthy living
Tools and Applications
• Interactive guides to marriage, stress, money, etc. • Online will preparation • Crisis management • Work-Life programs • Interactive website services
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Time Off Cerner Personal Time Off (PTO)
Eligible associates accrue PTO on a weekly basis. PTO may be used for your time off needs as is relates to vacation, illness*, taking care of sick family members and other personal matters. Annually, associates accrue between 120 and 200 hours based on length of service. *In the event of illness time lasting longer than 3 days, you may be eligible for an extended leave (contact leaves@cerner.com to determine eligibility).
Long Term Service Award
Cerner recognizes that the commitment to your role required to be successful does not always leave enough time to pursue all of your outside interests and professional development opportunities to the degree you would like. However, we also know that creativity and enthusiasm are best fostered in an environment where people have time to enjoy a wide variety of experiences. The Long Term Service Award is designed to allow you time off to recharge and to spend time on personal and professional enrichment.
Holiday
Cerner recognizes eight paid holidays per year.
PTO Annual Accrual Rates (Hours) Years of Service
Annual Accrual Rate
Thru 3 years
120 hrs
>3 thru 7 years
160 hrs
>7 thru 10 years
184 hrs
>10
200 hrs
Holiday (Day Observed) New Yearâ&#x20AC;&#x2122;s Day (January 1) Memorial Day (May 25) Independence Day (July 3) Labor Day (September 7) Thanksgiving Day (November 26) The Day After Thanksgiving (November 27) Christmas Eve (December 24) Christmas Day (December 25) 21
Additional Benefits Long Term Care
Long Term Care insurance provides you with the financial protection against the costs associated with custodial care. Typically this is the care needed when a person requires assistance with the activities of daily living (such as eating, bathing, dressing, transferring, etc.) or care due to cognitive impairment (such as Alzheimer’s disease or dementia). Care can be received at home, in an assisted living facility or in a nursing home.
Benefit
Benefit Amount Nursing Home Assisted Living Home Care (daily) Lifetime maximum Inflation protection
Plan Options $1,000-$9,000/month ($1,000 increments) 3 years, 6 years or unlimited None or 5% compound
Your spouse or same gender domestic partner and extended family members (parents, grandparents, inlaws, adult siblings and adult children) are also eligible for the group rates. You may enroll an eligible dependent regardless of your own enrollment in this Plan. Long Term Care coverage is age-rated. The younger the individual is at the age of application the less expensive the rates. Your rates do not go up as you get older, unless you make changes. This coverage is portable at the same affordable group rates and is paid for with post-tax premiums.
Dependent Care FSA
The Dependent Care FSA (DCFSA) allows you to pay for eligible child care expenses with pre-tax dollars. The DCFSA provides you with a reimbursement for child care expenses for dependent children during the calendar year. • Your minimum annual deposit to the DCFSA is $250 • Your maximum annual deposit is $2,500 for associates who are married and file separate tax returns, or $5,000 for associates who file as head of household or are married filing jointly
Commuter Benefit
The commuter benefit program through WageWorks makes it easy to save on taxes and enjoy convenient automatic payment and delivery features. The more you spend, the more you save on your taxes. And all it takes is a quick online order to get your pass delivered to your home every month and/or set up direct, automatic monthly parking payments.
Corporate Discounts
Cerner offers associates a variety of discounts throughout the community, including restaurants, events, movie tickets, and more. For a full list of discounts, please check out the Cerner Special Discounts uCern group.
Tuition Reimbursement
Cerner encourages associates to continually develop and enhance their skills through ongoing education. Cerner may reimburse full-time associates for the expenses associated with educational and skill-building courses offered through approved institutions (generally meaning an established, accredited college or institution of higher learning, including technical schools) when the course of study followed is determined to be of direct benefit to the associate in his or her career at Cerner. These are courses that develop or enhance business, functional or technical skills relevant to the individual’s current or future position. Approved courses of study generally lead to the attainment of specialized knowledge in advanced areas or to an advanced degree. Additionally, Cerner offers many other benefits to meet the needs of our associates: • Professional certification • Specialty external training • Scholarships/grants 22
Children’s Learning Centers & Cerner Maternity Cerner Kids
At Cerner, we believe our associates are our most valuable asset, and we know your most valuable asset is your family. Cerner offers two childcare facilities, one at our WHQ campus (Cerner Kids) and the other at IC (Innovation Kids). Both facilities use the Montessori curriculum to cultivate children’s natural desire and ability to learn, while creating a nurturing and loving atmosphere. The facilities are designed for children ages 6 weeks to 6 years and offer a variety of special classes including Spanish, Cardio Kids and Music.
Did you know? Cerner sponsors a variety of events for associates and their children • Spooktacular • Cerner Kids Halloween Parade • Holiday Galleria • Scholastic Book Fairs • Take Your Child to Work Day
Cerner Maternity What is Cerner Maternity? There are two primary components to the Cerner Maternity programming – the Maternity Navigation Program (health coaching and education) and your delivery with a Cerner Certified Maternity Partner. What is the Maternity Navigation Program? Cerner Maternity Navigators within the Healthe Clinics will provide you with guidance spanning the preconception, prenatal, delivery, and postpartum phases of your maternity experience. Ultimately, the Maternity Navigator partners with you to achieve a healthy pregnancy, an optimal delivery experience, a healthy baby and a smooth return to work. Who are Cerner’s Certified Maternity Partners? Based on outstanding quality, experience and other benefits, Cerner selected Kansas City area hospitals, Shawnee Mission Medical Center and Truman Medical CenterLakewood, as our Cerner Certified Maternity Partners. What are the benefits of delivering at a partner hospital? • Enhanced services both in-hospital and at home after delivery. • High quality measures for the health of mom and baby. • Opportunity to provide feedback about your experience and receive a $500 bonus benefit in return. For more information go to the Cerner Maternity uCern group. 23
Healthe Living with Rewards Cerner offers coordinated health and wellness initiatives designed with you in mind. Healthe at Cerner provides you and your family with the right resources and tools to make your health care experience the best it can be. U.S.-based associates and their spouses/partners who elect Cerner’s 2015 Health Benefits can earn points to reduce their premiums and to receive funds for their Health Reimbursement Account (HRA). Healthe Living with Rewards (HLwR), Cerner’s incentive-based wellness program is for primary members who have elected Cerner’s Health Benefits, as well their spouse/partners, if enrolled. As a primary member, you will have opportunities to participate in wellness and preventive care activities to earn points/dollars to apply toward premium reductions and your Health Reimbursement Account (HRA). As a spouse/partner, you will have the opportunity to earn HRA incentive points. Through participation, you will earn points toward financial incentives, and more importantly, establish healthy behaviors that will enrich your life.
Premium Reductions
By participating in the 2015 Healthe Living with Rewards program, you can earn points to reduce your health premiums in 2016. Primary members can earn a maximum of 500 premium reduction points, 300 of which must come from completing the Wellness Evaluation, which includes an online Personal Health Assessment (PHA) and Screening (labs and biometrics).
Earn HRA Incentives
Primary members can earn up to 500 points to increase your HRA. If you have a spouse/partner on Cerner Health Benefits, you have the ability to earn up to 700 points, 200 of which the spouse/partner can earn by completing the Wellness Evaluation. If the spouse/partner chooses not to participate, the primary member can earn a maximum of 500 points. HRA dollars will be available for immediate use in 2015 and will roll over into 2016 if not used entirely and if the primary member remains enrolled in the Cerner Health Plan. Each point is equal to $1. Associates and spouses/partners earn points from Dec. 1, 2014, through Nov. 30, 2015.
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2015 Price Tags Health, Dental and Vision
Health: Full Time HRA Healthe 400
Health: Part Time Bi-weekly cost with discount
Associate Only
$32.40
Associate Plus One Spouse Associate Plus One Child Associate Plus 2 Children Associate Plus 3 Children Associate Plus 4 Children Associate Plus Spouse and Child Associate Plus Spouse and 2 Children Associate Plus Spouse and 3 Children Associate Plus Spouse and 4 Children
$78.23 $64.59 $86.13 $103.35 $120.58 $121.37 $145.64 $165.06 $184.48
Bi–Weekly Cost
Dental: Full Time Options Dental Basic Associate Only Associate Plus One Associate Plus Children Associate Plus Family
Dental Plus Associate Only Associate Plus One Associate Plus Children Associate Plus Family
Dental Premier Associate Only Associate Plus One Associate Plus Children Associate Plus Family
Vision: Full Time and Part Time Options Associate Only Associate Plus One Associate Plus Children Associate Plus Family
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HRA Healthe 400 Associate Only Associate Plus One Spouse Associate Plus One Child Associate Plus 2 Children Associate Plus 3 Children
$67.31 $155.84 $116.88 $161.72 $194.06
Associate Plus 4 Children Associate Plus Spouse and Child Associate Plus Spouse and 2 Children Associate Plus Spouse and 3 Children Associate Plus Spouse and 4 Children
$226.40 $217.63 $261.15 $295.97 $330.79
$8.27 $18.60 $23.77 $34.12
Associate Only Associate Plus One Associate Plus Children Associate Plus Family
$10.99 $24.05 $26.64 $39.71
Associate Only Associate Plus One Associate Plus Children Associate Plus Family
$13.48 $29.03 $41.34 $56.89
Associate Only Associate Plus One Associate Plus Children Associate Plus Family
$4.32 $6.18 $6.59 $11.48
Bi–Weekly Cost
Dental: Part Time Options Dental Basic
Bi–Weekly Cost
Bi-weekly cost with discount
Dental Plus
Dental Premier
$9.66 $20.76 $26.32 $37.44 $12.38 $26.21 $29.19 $43.03 $14.87 $31.19 $43.88 $60.21
2015 Price Tags Legal, Long Term Disability, Life Insurance, Critical Illness & Personal Accident Legal
Bi-Weekly Associate Cost
Annual Plan Cost
Associate Plus Family
$7.62
$198.00
Long Term Disability
Bi-Weekly Associate Cost
Annual Plan Cost
LTD-50%
Example: Insured Salary $80,000/100=800*.10=Annual $80.00 or Bi-Weekly $3.08
Insured Salary divided by $100 multiplied by $0.10
LTD-60%
Example: Insured Salary $80,000/100=800*.188=Annual $150.40 or Bi-Weekly $5.78
Insured Salary divided by $100 multiplied by $0.188
Bi-Weekly Associate Cost
Bi-Weekly Associate Cost
Associate: Per $1,000
Spouse/SGDP: Per $1,000 $0.014 $0.023 $0.025 $0.029 $0.042 $0.065 $0.122 $0.188 $0.361 $0.586
$5000-$15,000
$0.013 $0.021 $0.024 $0.026 $0.040 $0.060 $0.114 $0.174 $0.336 $0.544 Child Life Per $1,000: $0.059
Per $1,000: $0.059
Personal Accident
Bi-Weekly Associate Cost
Annual Plan Cost
Associate Only Associate Plus Spouse Associate Plus Child(ren) Associate Plus Family
$2.19 $3.75 $5.31 $6.87
$56.94 $97.50 $138.06 $178.62
Critical Illness*
Bi-Weekly Associate Cost
Annual Plan Cost
Associate and Spouse/SGDP Life Insurance Age as of 1/01/2015: Under 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Age as of 01/01/2015: 18-29 $6.16 $160.16 30-39 $10.13 $263.38 40-49 $20.56 $534.56 50-59 $37.46 $973.96 60-69 $68.75 $1,787.50 *Rates are for associate only. Can add a spouse for the same rate. Ex: Assoc. + Spouse Annual $160.16 + $160.16 = $320.32, $12.32 bi-weekly. Dependents are automatically covered on this product up to age 26.
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Glossary
This glossary has many commonly used terms in the health benefits plan and other medical terms. These are not contract terms. Allowed Amount
Maximum amount on which payment is based for covered health care services. This may be called “eligible expense,” “payment allowance” or “negotiated rate.” If your provider charges more than the allowed amount, you may have to pay the difference for services rendered out of network.
Annual Enrollment Period
Period designated by Cerner during which you may enroll for plan coverage.
Annual Maximum
The maximum dollar amount a participant is required to pay out of pocket during the plan year. Until this maximum is met, the plan and participant share in the cost of covered expenses.
Appeal
A request for your health insurer or plan to review a decision or grievance for denied services.
Balance Billing
When a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. A preferred provider may not balance bill you.
Cost Share
Once the deductible has been satisfied, the plan pays the majority of costs. Generally, the participant will be responsible for 15% of claims during cost share up to their annual maximum.
Coverage level
The scope of protection provided by your benefits plan based on the amount of dependents you cover.
Deductible
A fixed dollar amount during the plan year that a participant pays before the plan starts to make payments for covered services. This portion is referred to as the deductible.
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Dependent
As defined by the plan, a dependent may be someone who is eligible to be covered under the plan.
Durable Medical Equipment (DME)
Equipment and supplies ordered by a health care provider for everyday or extended use. Coverage for DME may include: oxygen equipment, wheelchairs, crutches or blood testing strips for diabetics.
Emergency Medical Condition
An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm.
Excluded Services
Health care services that your health insurance or plan doesn’t pay for or cover.
Health Account
A personal account established in the name of each associate who participates in the plan. Money in the account may be used to pay expenses for the deductible, the cost share portion of the plan, and IRS qualified medical expenses.
Home Health Care
Health care services a person receives at home.
Hospice Services
Services to provide comfort and support for persons in the last stages of a terminal illness and their families.
Medically Necessary
Health care services or supplies needed to prevent, diagnose or treat an illness, injury, disease or its symptoms and that meet accepted standards of medicine.
Glossary Network
The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services.
Non-Preferred Provider
A provider who doesn’t have a contract with your health insurer or plan to provide services to you.
Out-of-Pocket Limit
The most you pay during a policy period (usually a year) before your health insurance or plan begins to pay 100% of the allowed amount. This limit never includes your premium, balance-billed charges or health care your health insurance or plan doesn’t cover. Some health insurance or plans don’t count all of your co-payments, deductibles, co-insurance payments, out-of-network payments or other expenses toward the limit.
Prescription Drug Coverage
Health insurance or plan that helps pay for prescription drugs and medications.
Preventive Care
Routine physical exams and health screenings (like routine blood tests and age-appropriate health screenings). Preventive care is not subject to deductible or cost share, the plan covers 100 percent.
Prescription Drugs
Drugs and medications that by law require a prescription.
UCR (Usual, Customary and Reasonable)
The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. The UCR amount sometimes is used to determine the allowed amount.
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Contact
For more information, contact a benefits partner
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Plan
Partner
Contact Information
Associate Assistance Plan
New Directions
www.ndbh.com 800-624-5544
Cerner Healthe Clinic
Healthe Clinic
https://cernerclinic.com/ 816-201-CARE
Cerner 401(k) Plan
Fidelity
www.401k.com 800-835-5095
Commuter Benefit
WageWorks
www.wageworks.com 877-924-3967
Critical Illness
Aflac
www.aflacgroupinsurance.com 800-433-3036
Dental Plan
Delta Dental of Missouri
www.deltadentalmo.com 800-392-1167
Health Plan, Flexible Spending Accounts and COBRA
Cerner HealthPlan Services
https://cernerhealth.com/ 877-765-1033
Health Plan Provider Search
Regional and National Network based on primary residence
Cerner HealthPlan Services 1-877-765-1033
Legal Benefit
MetLife Legal Plans
www.legalplans.com 1-800-821-6400
Life Insurance and Long Term Disability
The Standard
http://www3.standard.com/net/public/Individuals 855-290-9474
Long Term Care
LTC Solutions (Unum)
http://w3.unum.com/enroll/cerner 877-286-2852
Personal Accident
Aflac
www.aflacgroupinsurance.com 800-433-3036
Vision Plan
Vision Service Plan (VSP)
www.vsp.com 800-877-7195
Travel Accident
ACE American Insurance Group
800-262-8028
Notes
Additional questions about your benefits? Talk to ALEX, your personal benefits counselor at ALEXforCernerBenefits.com If you need additional assistance, contact the HR Service Center at 816-982-7547 or 866-434-1543.
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Cerner Corporation / 2800 Rockcreek Parkway / North Kansas City, MO 64117 / 816.201.1024 / www.cerner.com
Cerner Confidential - Internal Use Only
Human Resources
Document Type: LIT / Document ID: 1293562044 / Version: 7
Š Cerner Corporation. All rights reserved. This document contains confidential and/or proprietary information belonging to Cerner Corporation and/or its related affiliates which may not be reproduced or transmitted in any form or by any means without the express written consent of Cerner.