Cheshire Medical Center 2019 Recruitment Guide

We love living in the Monadnock Region and we’re passionate about caring for those who live here too.

2019 | Recruitment Guide

Together, we grow stronger in our mission.

As the largest employer in the Monadnock Region, Cheshire Medical Center recognizes that we have great responsibilities―both to the communities we serve and to our employees who come together each day to provide patient-centered care. I am proud to share in Cheshire’s commitment to a meaningful and fulfilling work environment that values our employees’ contributions.

The vast majority of our employees live in this region—raising families and caring for loved ones here. When we speak of caring for our community, it is a deeply personal conversation for all of us.

For over 125 years, we have been working with local partners to advance the health and wellness of every member of our community.

Those partnerships, along with Cheshire’s membership in the Dartmouth-Hitchcock Health system, are helping our organization to be stronger than ever. Together, we are finding innovative ways to ensure sustainable, high quality healthcare into the future. For example, through the support of the health system, Cheshire has increased inpatient capacity and expanded our capabilities in critical care. We are also seeing the benefits of new business systems, including our electronic medical record system.

We have just completed the first year of a 3-Year Strategic Plan with 4 key areas of focus: Patient Experience, Community Health, Staff Resilience, and Organizational Sustainability. Central to each of these is our priority of quality and safety in all that we do. I am pleased to share that the progress of our strategic plan in this current fiscal year indicates that we are on the right path.

I hope you will consider joining our team at Cheshire Medical Center.

Together, we can continue to grow stronger in our mission of leading our community to optimal health and wellness through clinical service excellence, collaboration, and compassion for every patient, every time.

“

The core belief that the health and wellness of every member of our community matters fuels

our mission and

”

our goals.

Don Caruso, MD, MPH President and CEO/CMO, Cheshire Medical Center

Cheshire Medical Center 2019 Recruitment Guide

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A breadth and standard of care rarely found in community hospitals.

A licensed 169 bed, Joint Commission accredited regional medical center with a 59.3 average daily inpatient census, Cheshire Medical Center provides the communities in the Greater Monadnock Region a continuum of care spanning primary care and specialty medicine, to surgical services and acute inpatient care. For 125 years, the professionals employed at our nonprofit medical center have been caring for the health and wellness of our local community. Now, as a proud member of the only academic health system in New Hampshire, Dartmouth-Hitchcock Health, our partnership has resulted in an integrated health system with a clear focus and coordinated approach to providing high quality health care services using leading-edge healthcare practices.

We provide patients in our region access to complex services not found in traditional community hospitals through dedicated centers within Cheshire Medical Center — such as breast care, inpatient and outpatient physical rehabilitation, cancer care, women’s health, and population health improvement.

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Cheshire Medical Center 2019 Recruitment Guide

Our physicians and providers go through Dartmouth-Hitchcock Health system’s rigorous credentialing process, and our nursing staff represent professionals with specialized skills, degrees, and certifications.

Cheshire shares an integrated health information system with our Walk-In Clinic, satellite family medicine clinics in Walpole and Winchester, as well as with Dartmouth-Hitchcock Medical Center and Dartmouth-Hitchcock locations in Lebanon, Nashua, Manchester, and Concord, NH. Our membership also allows seamless expansion of care through partnerships like TeleICU, an advanced system allowing a team of critical care specialists to work in partnership with Cheshire ICU staff through state-of-the-art video conferencing and monitoring, and providing pre- and post-operative care close to home at Cheshire for our patients undergoing Thoracic Surgery at Dartmouth-Hitchcock Medical Center in Lebanon. Together, we are able to provide more efficient and effective care with a state-of-the-art, lower-cost, New Hampshirebased alternative to seeking care out-of-state.

DEPARTMENTS AND SERVICES:

Cheshire Medical Center’s extensive multidisciplinary Breast Care Center team provides patient-centered, comprehensive care through collaborative partnerships.

L to R; Arvind Randhawa, MD, Hematology Oncology; Paul Koutras, MD, Radiology; H.E. Guy Burman, MD, General Surgery review breast scans.

Accolades and Awards In addition to our high marks for hospital safety, Cheshire Medical Center is proud to have received the following recognition for excellence in health care: • Keene Sentinel Reader’s Choice Awards for over five years, Cheshire has been voted “best of” in multiple categories.

• New Hampshire Magazine 2018 Annual Top Doctors issue, Eight Cheshire physicians have been recognized as Top Doctors in NH by their peers.

• American College of Radiology, Cheshire has earned the designation of Breast Imaging Center of Excellence by the American College of Radiology.

• National Accreditation Program for Breast Centers, Cheshire has been awarded a three-year/Full Accreditation designation.

• Becker’s Hospital 2014 & 2015 Review, Cheshire was recognized as one of 100 Great Community Hospitals.

• Business NH Magazine 2014 Annual Business of the Year Awards, Cheshire was awarded 2014 Business of the Year in the Healthcare category.

• American Hospital Association’s Carolyn Boone Lewis—Living the Vision Award, Cheshire was recognized for our work to improve the health of its community through actions that go beyond traditional clinical care.

• U.S. Department of Health and Human Services’ Million Hearts® Hypertension Control 2013 Champion Award, Cheshire was recognized for excellence in using evidence-based strategies to help patients control blood pressure.

• Joint Commission National Quality Accreditation 2013 Gold Seal of Approval, Cheshire was a Top Performer on Key Quality Measures.

• Commission on Cancer Commendation for Excellence in Cancer Care 2012 was awarded to Norris Cotton Cancer Center at Kingsbury Pavilion.

• American Association of Critical-Care Nurses Silver Beacon Award was earned by Cheshire’s ICU/Telemetry Team 2012.

Allergy/Immunology Anesthesiology Audiology Cardiology Dermatology Dietitian Services Ear, Nose & Throat Emergency Medicine Endocrinology Family Medicine Gastroenterology Geriatrics Gynecology Hospital Medicine Internal Medicine Laboratory Lactation Mammography Nephrology Neurology Obstetrics & Nurse Midwifery Oncology Ophthalmology Optical Shop Orthopedics Pain Center Palliative Care Pathology Pediatrics Pharmacy Physical Therapy Podiatry Pulmonary Medicine Radiology Rehabilitation Services Research Rheumatology Sports Medicine Surgery Urology Walk-In Care

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Life, work, and play are exceptional in the Granite State.

Year after year, New Hampshire tops the lists published by independent national studies on quality of life among the 50 states. We boast advanced educational institutions, high quality health care, diverse cultural and recreational offerings, growing industries in technology, precision, and advanced manufacturing, low taxes (no state income tax), a low crime rate, and a high employment rate.

The Monadnock Region, nestled between Vermont, Massachusetts, and Mount Monadnock—the most climbed mountain in the U.S—is a jewel, even within our fair state. There are endless outdoor recreation opportunities, from hiking and mountain biking to boating and cross-country skiing right here, and we are just a one hour-drive from Okemo or Mount Snow, and an hour and a half to Lake Winnipesaukee.

Our region is home to a flourishing local food scene with several Farmers’ Markets, a Food Co-op, CSAs, and many farm-to-table restaurants. We also enjoy a thriving arts scene as the home of the MacDowell Colony for artists, The Colonial Theater, Redfern Arts Center at Keene State College, Peterborough Players, Apple Hill Center for Chamber Music, MoCo Arts, the Monadnock Art Tour, and countless museums, small performance venues, and festivals.

Keene—with its vibrant downtown, wide, tree-lined Main Street, and network of bike trails—is Cheshire County’s center for shopping, dining, culture, entertainment, business development, and human services. While home to 23,000 people and over 4,000 Keene State College and Antioch University New England students, an average of 79,000 people work, shop, and conduct business in Keene on a daily basis. With the supportive community of a small town, the cultural offerings of a small city, and easy access to Boston, New York, and even Montreal, we think you will fall in love with where we live.

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Cheshire Medical Center 2019 Recruitment Guide

Benefits Program at Cheshire Medical Center The following pages are excerpted from the 2019 Cheshire Medical Center Open Enrollment Benefits Guide.

This 2019 Guide provides a summary of CMC benefits plans effective January 1 – December 31, 2019. In the event of any inconsistency between the Guide and our Plan Document, the Plan Document and any applicable amendments will govern.

CMC reserves the right to change the levels and types of benefits offered, or otherwise terminate the Plans, in whole or in part, at any time at its sole discretion.

Open Enrollment 20 19 Benefit Guide

Benefits Eligibility Employees are eligible to participate in all benefits if hired to work at least 20 hours per week..

Benefits include: • Medical Insurance • Dental Insurance • Basic Life Insurance • Supplemental and Dependent Life Insurance • Short Term Disability Insurance • Long Term Disability Insurance • Flexible Spending Accounts (Medical and Dependent Care) • Earned Time There is no waiting period to contribute to the 403(b) and no minimum hours required to contribute.

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Medical and Prescription Drug Insurance Helpful Information The CMC medical and prescription drug program is designed to offer employees choice of quality health care options. We encourage employees and dependents to establish a relationship with a primary care provider (PCP) or practice to oversee their health and coordinate their care. To find a primary care provider visit the Health Plan’s, Inc. (HPI) webpage at HealthPlansInc.com or call Health Plans, Inc. at 866-471-5550.

Medical Insurance Premiums The three medical plans for 2019 have the same employee bi-weekly premium structure. Regardless of which medical plan you select, the biweekly premium will be the same. Please note: there is no increase to employee biweekly medical premiums for 2019.

Preventive Care Services As we focus on helping employees maintain good health, we continue to offer in-network medical preventive care services at 100%, with no deductibles, co-pays, or co-insurance. Examples of preventive covered services include routine: mammograms, colonoscopies, labs, immunizations, well-child care for babies and children, and physicals for adults. For a more complete list of covered preventive care services, please refer to the Summary Plan Description which will be mailed to your home. The list is available on the government site: www.irs.gov. or by contacting Health Plans, Inc. as referenced above.

Prescription Drugs You must enroll in a CMC medical plan to participate in the prescription drug coverage. The cost of prescription drugs continues to increase year-after-year, particularly the cost of specialty drugs. Employees may save money by purchasing a 90-day supply of maintenance drugs. The 90-day supply of drugs may only be purchased through the DHMC Pharmacy (in-person or mail-order).

If not available through DHMC, 90 day prescriptions may be obtained through Optum Rx mail order.

Employees may find additional savings by utilizing prescription coupons made available at various websites such as www.GoodRx.com, www.Target.com and www.Walmart.com.

Preventive Drug List Preventative drug coverage is an integral part of a comprehensive health care plan which includes preventive drug therapy. Preventive medications are those prescribed to prevent the occurrence of a disease or conditions for those individuals with risk factors, or to prevent the reoccurrence of a disease or condition for those who have recovered: conditions such as high blood pressure, high cholesterol, diabetes, asthma, osteoporosis, and heart attack. In our ElevateHealth HSA plan and our Choice Health Plan, drugs on the Preventive Drug List will by-pass the deductible and only require you to pay co-insurance. Optum Rx manages this program and the list of drugs included in the Preventive Drug Program.

Prescription Advantage The prescription Advantage Program provides discounted rates on certain approved prescription drugs (those on the Prescription Advantage Drug List) purchased at the DHMC Pharmacy, whether purchased in person or through the mail. The cost for 30 pills is $9.00 and the cost for 90 pills is $16.00. The DHMC Pharmacy will mail these prescriptions to you at no cost. This is a special program offered through the DHMC Pharmacy. Employees and dependents are eligible for this program, regardless of participation in a CMC Medical Plan.

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Cheshire Medical Center 2019 Recruitment Guide

Low Premium Medical/Prescription Drug Plans ElevateHealth is an insurance partnership of Dartmouth Hitchcock, Elliot Health System, and Harvard Pilgrim Health Care. Employees who enroll in one of the two ElevateHealth plans may expect care from a high quality, close-knit network of providers focused on keeping you healthy and well. ElevateHealth Providers and facilities are located where most CMC employees and their families are seeking care today; primarily in New Hampshire and Vermont. (Providers outside of the ElevateHealth Network are not covered, except in case of Emergency Care). Dependents living outside of the ElevateHealth Network have expanded in-network coverage using the Harvard Pilgrim National Network once the Out-of-Area Dependent Form is completed and submitted to Health Plans, Inc. Since we understand that the ElevateHealth Plans are not a “one size fits all�, we have the Choice Health Plan offering to provide a full network with national coverage for employees and their family members.

ElevateHealth HSA Plan

ElevateHealth HRA Plan

Choice Health Plan

Plan Features Preferred Providers Deductible* Co-Insurance

Out of Pocket Maximum

CMC Annual HSA or HRA Contribution per base annual salary:

$0 - $34,999 $35,000 - $74,999 $75,000 +

ElevateHealth Network

Single: $1,400 Family: $2,800 10% after deductible

Preferred Providers

ElevateHealth Network

Single: $1,400 Family: $2,800

30% after deductible

10% after deductible

30% after deductible

In-Network

Out-of-Network

Single: $2,000 Family: $4,000

Single: $4,000 Family: $8,000

30% after deductible

50% after deductible

Single: $3,400 Single: $5,600 Family: $6,800 Family: $11,200 (includes (includes prescription drugs) prescription drugs)

Single: $2,200 Family: $4,400 (includes prescription drugs)

HSA Single/HSA Family

HRA Single/HRA Family

HSA Single/HSA Family

$600/$900 $500/$800 $400/$700

$300/$450 $250/$400 $150/$300

$600/$900 $500/$800 $400/$700

In-Network Benefit Coverage Highlights Preventative Care

Plan Pays 100% of eligible services

Routine Eye Exam

Plan pays 100%, one routine eye exam per member, per year

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Low Premium Medical/Prescription Drug Plans continued Pharmacy Benefits

30-day

ElevateHealth HSA Plan

ElevateHealth HRA Plan

Choice Health Plan

CMC Pharmacy and DHMC Pharmacy

CMC Pharmacy and DHMC Pharmacy

CMC Pharmacy and DHMC Pharmacy

The Pharmacy in Bennington, VT & Manchester, VT

The Pharmacy in Bennington VT, & Manchester, VT

The Pharmacy in Bennington VT, & Manchester, VT

Colonial Pharmacy in New London, NH

Colonial Pharmacy in New London, NH

Colonial Pharmacy in New London, NH

Select CVS Retail Pharmacies

Select CVS Retail Pharmacies

Select CVS Retail Pharmacies

Subject to Deductible and 10% co-insurance

Generics: $10 Brand: 30% co-insurance up to $100 Specialty: 50% co-insurance up to $200

Subject to Deductible and 10% co-insurance

All Other Retail

90-day

All Other Retail

Subject to Deductible and 30% co-insurance

Generics: $15 Brand: 40% co-insurance up to $100 Specialty: 60% co-insurance up to $200

Subject to Deductible and 30% co-insurance

DHMC Pharmacy

DHMC Pharmacy

DHMC Pharmacy

or DHMC Pharmacy Mail Order

or DHMC Pharmacy Mail Order Generics: $30 Brand: 30% co-insurance up to $300 Specialty: 50% co-insurance up to $600

or DHMC Pharmacy Mail Order

Subject to Deductible and 10% co-insurance

Optum Rx Mail Order

Optum Rx Mail Order

Optum Rx Mail Order

The Pharmacy in Bennington VT, & Manchester, VT

The Pharmacy in Bennington VT, & Manchester, VT

The Pharmacy in Bennington, VT & Manchester, VT

Colonial Pharmacy in New London, NH

Colonial Pharmacy in New London, NH Generics: $45 Brand: 40% co-insurance up to $300 Specialty: 60% co-insurance up to $600

Colonial Pharmacy in New London, NH

All Other Retail

All Other Retail

Subject to Deductible and 30% co-insurance All Other Retail Not Available

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All Other Retail

Cheshire Medical Center 2019 Recruitment Guide

Not Available

Subject to Deductible and 10% co-insurance

Subject to Deductible and 30% co-insurance

Not Available

2019 Employee Medical Premium Contributions ElevateHealth HSA Plan, ElevateHealth HRA and Choice Health Plans: Bi-Weekly Premiums for Non-Tobacco Users Medical and Prescription Plan

ElevateHealth HSA Plan, ElevateHealth HRA and Choice Health Plan

Full Time: 30-40 Hours Coverage Level

Employee Premium Contributions

Employee

$49.78

Employee & Child(ren)

$74.67

Employee & Spouse

$104.54

Family

$137.59

Part-time: 20- 29 Hours Coverage Level

Employee Premium Contributions

Employee

$87.01

Employee & Child(ren)

$160.28

Employee & Spouse

$205.95

Family

$288.55

Additional Premium May Apply Tobacco Use Premium The Cheshire Medical Center medical plans require employees to affirm whether they, or any of their covered dependents, use tobacco.

Covered dependents include spouse or any children enrolled in the plan. Employees may be subject to a tobacco surcharge of $15.00 per bi-weekly pay period. It is important to note that the surcharge will be $15.00 per pay period regardless of the number of family members who use tobacco.

If, at any point throughout the year, the tobacco user(s) stops using tobacco products and are tobacco free for 30 calendar days, the covered employee will be required to sign an affidavit. If an employee or his/her covered dependents are unable to achieve tobacco-free status for medical reasons, physician documentation is required in order to waive the surcharge. Tobacco products include: cigarettes, pipes, cigars, snuff or chewing tobacco, and electronic cigarettes.

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Health Savings Account (HSA) The HSA is a tax-free savings account that can be used to pay for qualified out-of-pocket medical care expenses, as well as to save for future health care costs. CMC provides a base contribution to each eligible employee’s HSA account enrolling in the ElevateHealth HSA Plan or the Choice Health Plan. Employees may opt out of the HSA contribution. The Health Savings Account will be administered by HealthEquity, Inc. For a list of eligible expenses visit www.HealthEquity.com.

HSA Eligibility 1. Neither you or your spouse are enrolled in a Health Reimbursement Account (HRA) or full purpose Healthcare Flexible Spending Account (FSA) 2. Not claimed as a dependent on another’s tax return.

3. Not enrolled in Medicare.

4. Not insured under any other medical plan that is not a High Deductible Health Plan (HDHP).

5. Have not received VA benefits (Medical or Rx) during the past 3 months.

Upon turning age 65 and enrolling in Medicare A, or being in receipt of Medicare due to one of Medicare’s qualifying eligibility rules, an employee is not eligible to receive or contribute to the HSA. Any funds still in the account are accessible for qualified expenses. However, if a member defers his/her enrollment in Medicare s/he is able to participate in the HSA benefit. During the Open Enrollment period employees must attest that they meet eligibility requirements in order to receive an employer contribution.

Contributions to Your HSA Account CMC Contribution To help you pay for some of the expenses associated with the ElevateHealth HSA Plan or the Choice Health Plan, CMC will make a lumpsum contribution to each eligible employee’s HSA, based on the coverage level elected and the employee’s annual base salary. CMC will contribute the following tax-free contribution for 2019: Base Annual Salary HSA Single/HSA Family $0 - $34,999 $600/$900 $35,000 - $74,999 $500/$800 $75,000 + $400/$700 If you are a new hire or you are newly benefits eligible and eligible for an HSA contribution in 2019, you will receive a pro-rated lump-sum contribution.

Your Contributions In addition to CMC’s contribution, you may elect to make additional pre-tax contributions to your HSA through payroll deductions, subject to IRS annual limits. For 2019, the limit is $3,500 for employee only coverage and $7,000 for all other coverage levels. These amounts represent the total amount (your contributions plus CMC’s contribution) that can be deposited into your account in 2019.

Employees who are age 55 or older in 2019 may also make additional “catch-up” contributions of up to $1,000 to their HSA. Remember, the amount you contribute to your HSA is pre-tax and the dollars that are deposited in your HSA belong to you, whether deposited by you or CMC. The HSA does not have a “use it or lose it” rule, so you can carry-over your balance from year-to-year and you can take the account with you if you leave or retire from CMC. You may start, stop, or change your HSA payroll contribution amount at any time during the year through the benefit portal.

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Cheshire Medical Center 2019 Recruitment Guide

Penalties for Non-Eligible Health Care Expenses under an HSA The IRS governs the provisions of the HSA and provides guidelines on what is considered an eligible health care expense. If you use your HSA funds to pay for non-eligible health care expenses, you may be subject to a 20% penalty and your non-eligible expense will be treated as taxable income. In the event of an IRS audit, employees must show receipts of eligible health care expenses reimbursed. For more information, please refer to www.IRS.gov/pub969.

Remember: If elected, it is your responsibility to keep accurate records to prove to the IRS that distributions were for qualified medical, dental or vision expenses. Save all documentation for IRS auditing purposes.

IRS Form 8889 is required to be filed with your taxes. Forms are available online at www.irs.gov.

Limited Purpose Flexible Spending Account (LP-FSA) In addition to the HSA account, employees who elect the Elevate Health HSA Plan or the Choice Health Plan may also participate in the LP-FSA. The LP-FSA may be used to pay for eligible dental or vision care expenses for you and your eligible dependents. Medical expenses may not be applied towards the LP-FSA. The CMC 2019 maximum limit you may contribute to your account is $2,600.

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Health Reimbursement Account (HRA) The HRA is a savings account that can be used to pay for eligible out–of-pocket health care, dental, or vision expenses. Only CMC can contribute to an HRA and will provide a contribution for employees who enroll in ElevateHealth HRA Plan.

Once your HRA is activated through HealthEquity, you will receive a personalized debit card to use when paying for your eligible expenses.

You will also have access to Health Equity’s on-line system to help you manage your HRA. The balance in your HRA account accumulates and rolls-over each year if you continue to enroll in the ElevateHealth HRA Plan. HRAs are employer based accounts so you will not have access to the HRA if you enroll in a different plan, leave, or retire from CMC.

Contributions to Your HRA Account CMC Contributions: To help you pay for some of the expenses that will be subject to your health care plan deductible and co-insurance, if you enroll in the ElevateHealth HRA plan and are eligible for HRA contributions, CMC will make a contribution to your HRA based on the coverage level you elect and your annual base salary. CMC will contribute the following amounts for 2019: Base Annual Salary Single/All other coverage levels $0 - $34,999 $300/$450 $35,000 - $74,999 $250/$400 $75,000 + $150/$300 The CMC contribution will be deposited into your HRA account as a lump sum deposit.

Your Contributions: Employees cannot make contributions to an HRA, but can contribute to the Full Purpose Medical FSA which offers pre-tax savings.

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Cheshire Medical Center 2019 Recruitment Guide

Flexible Spending Account (FSA) Full Purpose Medical FSA (FP-Medical FSA) The FP-Medical FSA is a pre-tax savings account available to employees who waive health care coverage, are in either the Cheshire Medical Center PHO Plan or the ElevateHealth HRA Plan, or are ineligible to participate in the HSA contribution. The FP-Medical FSA can be used to pay for eligible health care, dental, or vision care expenses that are not covered by insurance for you and your eligible dependents.

The maximum amount you may contribute to your FSA is $2,600 for 2019.

The deadline for submitting medical and dependent care claims for reimbursement is March 31, 2020. You may reimburse yourself for expenses incurred between January 1 and December 31, 2019 as long as they are incurred when you are an active participant in the plan.

If you terminate employment from CMC during the year, you may only submit expenses incurred through your last day of employment, if you submit for reimbursement within 90 days of your termination date.

Limited Purpose Medical FSA (LP- Medical FSA) The LP-Medical FSA is a pre-tax savings account available to employees who are enrolled in the Elevate Health HSA or Choice Health Plans. The LP-Medical FSA can only be used to pay for eligible dental or vision care expenses but cannot be used to pay for eligible health care expenses. This allows for additional pre-tax savings for those who will be incurring eligible dental and vision expenses in the calendar year while allowing the HSA funds to be preserved for medical expenses only. The same annual limits and deadlines for submission that apply to the FP-Medical FSA apply to the LP-Medical FSA.

Dependent Care FSA (DC-FSA) The DC-FSA is a pre-tax savings account that may be used to pay for eligible elder and/or child care expenses so that you can be gainfully employed. You may only use this account if you utilize child care or elder care services so that you and your spouse can work, obtain gainful employment, or attend school full-time. It is important to note that your child care or elder care provider must furnish you with his/her Social Security Number (SSN) or Tax Identification Number (TIN) in order to receive reimbursement for your expenses. IRS regulations limit the amount you may contribute to a DC-FSA to $5,000 for your family (or $2,500 if married and filing separate tax returns) per calendar year.

In order to qualify for reimbursement, expenses must be incurred for the care of “eligible dependents” who the IRS defines as: • A child under the age of 13, or a child of any age who is physically or mentally incapable of self-care.

• Any other dependent (including your same sex spouse) who is physically or mentally incapable of self-care and who meets specific criteria.

For more details about who qualifies as eligible dependents under the DC-FSA, refer to IRS Publication 503, titled Child and Dependent Care Expenses, which is available by calling the IRS at 800-829-1040 or at IRS.gov.

Health Equity administers both the medical and dependent care Flexible Spending Accounts. Participants in the Medical FSA will receive a personalized debit card from Health Equity to use when paying for eligible health care expenses.

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Dental Insurance Cheshire Medical Center offers two Dental Plan options for you and your eligible dependents through Northeast Delta Dental: • Basic Dental • Enhanced Dental Dental hygiene can impact your overall physical health. Practicing good oral care, such as brushing and flossing daily and visiting your dentist on a regular basis, are important steps toward keeping your mouth free from the build-up of bacteria that can lead to oral infections.

Preventive screenings (dental check-ups and cleanings) can also help detect signs of other diseases.

2019 Dental Plan Summary Plan Features

Basic

Enhanced

Single: $50 Family: $150

Single: $25 Family: $75

100%. no deductible (2 annual cleanings)

100%. no deductible (2 annual cleanings)

Basic Restorative Services (Fillings, Extractions, Root Canals)

Plan pays 50%, after deductible

Plan pays 80%, after deductible

Major Restorative Services (Crowns, Dentures, Bridges)

Plan pays 50%, after deductible

Plan pays 50% after deductible

Orthodontia

Plan pays 50%, no deductible, lifetime maximum benefit of $2,000 per covered member

Plan pays 50%, no deductible, lifetime maximum benefit of $2,000 per covered member

Annual Maximum Benefit

$1,000 per covered member

$1,500 per covered member

Deductible Preventive Care

2019 Dental Plan Employee Contribution Bi-Weekly Contributions Dental

Basic

Enhanced

Employee

$2.46

$5.42

Employee & Child(ren)

$10.33

$20.65

Employee & Spouse

$10.33

$20.65

Family

$19.68

$38.86

FTE (0.5-1.0)

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Cheshire Medical Center 2019 Recruitment Guide

Enhanced Dental Carryover Benefit Northeast Delta Dental offers a “Double-Up Max” carry-over benefit feature on the High Option Dental Plan.

To Qualify • Members are enrolled in the Enhanced Dental Plan.

• Northeast Delta Dental must have paid a claim for either an oral exam or a cleaning during the 2019 calendar year. If enrollees don’t receive one of these services, they will be ineligible to accumulate dollars for future use.

• A member’s paid claims during the calendar year cannot exceed a threshold of $500.

• Accumulated amounts may only be used after the current annual maximum has been exhausted.

• Carryover benefit amounts cannot be used toward lifetime orthodontic benefits.

How it Works With this feature, enrollees may double their annual maximum by accumulating $250 a year in additional benefits for use in future coverage periods. When a dental procedure is needed that costs more than the allowable annual maximum, the accrued carryover benefit dollars can help make up the difference.

Health Through Oral Wellness (HOW) Program Northeast Delta Dental’s free HOW program works with your existing dental benefits to help you achieve and maintain better oral wellness.

You can visit HealthThroughOralWellness.com to find out more and take a free oral health risk assessment. Your dentist can discuss your results with you at your next visit and perform a clinical version of the assessment. Based on your risk, as shown on your clinical assessment, you may be eligible for additional preventative benefits at no cost.

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Cheshire Medical Center Tax Sheltered Annuity Plan - 403(b) Employee Contribution - 403(b) Eligible employees may save for retirement by making voluntary contributions to the Cheshire Medical Center Tax Sheltered Annuity Plan 403(b). You may save up to 100% of your income, subject to IRS annual maximums, which will be announced later this year for the 2019 calendar year. If you are age 50 or older in 2019, you may also make “catch-up” contributions, subject to IRS annual maximums. Your contributions and any associated investment earnings are vested immediately.

Important Information: If you are newly hired at Cheshire Medical Center and have made contributions to a 403(b) Plan at a previous employer, it is important that you ensure compliance with the annual IRS limit for the year.

Employer Contribution - 403(b) The 403(b) Plan includes two different types of employer contributions from Cheshire Medical Center for eligible employees, a Base Contribution and a Discretionary Matching Contribution. Cheshire Medical Center’s contributions to the 403(b) Plan and any associated investment earnings are vested after you complete three years of vesting service, turn age 55, become disabled, or upon death.

Base Contribution Eligibility

In order to receive the Base Contribution, you must meet the following requirements each year: • Scheduled to work at least 20 hours per week, as reflected in your personnel file. This will be re-calculated at the beginning of each subsequent Plan Year. Or, • If not scheduled 20 hours per week, work at least 1,000 hours in the Plan Year and remain employed on the last day of the Plan Year.

Eligible employees will receive a Base Contribution of up to 7% of your eligible pay based on points and pay in accordance with the following schedule: Points equal 2-times your age plus your years of vesting service as of January 1, 2019.

Points equal 2-times your age plus your years of vesting service

Eligible Compensation*

Less than 60 points

1% of Compensation

60 to 89 points

3% of Compensation

90 to 119 points

5% of Compensation

120 + points

7% of Compensation

*If you earn more than the Social Security Taxable Wage Base (SSTWB), you are eligible for an additional base contribution up to the IRS annual limit.

Discretionary Matching Contribution The amount of the Discretionary Matching Contribution each fiscal year is determined by Cheshire Medical Center’s Board of Trustees based on fiscal year performance. If you are not saving through the 403(b) Plan during the Plan Year, you will be ineligible to receive the Discretionary Matching Contribution, if approved. Cheshire Medical Center’s ability to contribute towards the Discretionary Matching Contribution program is communicated, each year, after the Board of Trustees renders a decision.

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Cheshire Medical Center 2019 Recruitment Guide

Disability Insurance Cheshire Medical Center offers voluntary purchase options for Short-Term Disability Insurance (STD). In addition, CMC provides, at no cost to you, Long-Term Disability (LTD) insurance. Both STD and LTD provide income protection for non-work related injuries or illness.

STD and LTD disability payments may be offset by Social Security Disability, Workers’ Compensation, pension payments, or any other group disability insurance payments that you are eligible to receive. Employees who are regularly scheduled to work 20 hours per week, as reflected in their personnel file, are eligible to participate in the STD and LTD benefits.

Voluntary Short-Term Disability Insurance • Two plan options are available: either 60% or 40% of your base salary, for a maximum of 17.2 weeks.

• Three elimination options are available: 7, 14, or 30 calendar-day elimination period.

• The eligibility waiting period is 30 days of active service.

• There is a 3 month pre-existing condition clause from the date of effective insurance.

• Any increase or decrease to your salary during the year may change your premiums.

You may change the elimination period during the calendar year but may not change the percentage of base salary. STD benefits begin following an elimination period. You must use your available earned time during your elimination period. Cigna Group determines eligibility and medical necessity for STD.

Long-Term Disability (LTD) Insurance The Long-Term Disability benefit is provided at no cost to you.

• If approved, Long-Term Disability begins immediately following the date Short-Term Disability payments end.

• If determined to be disabled, the Plan will pay you 60% of your base salary, to maximum of $10,000 per month.

• The duration of the benefit varies based on age at time of disability.

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Additional Benefits Life Insurance Cheshire Medical Center provides Basic Life and Accidental Death & Dismemberment (AD&D) insurance through Cigna Group Insurance. Life insurance and AD&D are designed to provide financial protection for you and your family upon your death or in the event that you become seriously injured while you are employed at Cheshire Medical Center. Employees who are regularly scheduled to work 20 hours per week, as reflected in their personnel file, are eligible to participate in the Life Insurance benefits.

The following Life and AD&D benefits are provided to you at no cost.

Basic Life Insurance • CMC provides life insurance based on one-times annual salary up to $50,000. When you are age 70 or older your life insurance benefit will reduce to 50%.

Accidental Death and Dismemberment (AD&D) Insurance • CMC provides AD&D Insurance based on one-times annual salary up to $50,000.

Voluntary Supplemental Life Insurance In addition to the Basic Life and AD&D insurance provided, Cheshire Medical Center offers you the opportunity to purchase additional Supplemental Life insurance for yourself. During the Open Enrollment period, you may increase your coverage without evidence of insurability.

Coverage Options: • Voluntary Benefit Option 1 for employees: One-times annual salary, up to $100,000 maximum.

• Voluntary Benefit Option 2: for employees: Two-times annual salary, up to $200,000 maximum.

Voluntary Dependent Life Insurance Coverage • Additionally, employees may purchase $2,000 of coverage, per dependent, with no evidence of insurability required. The maximum benefit for a dependent child who is less than 6 months old is $500.00.

Earned Time Employees who are scheduled to work 20 hours per week, as reflected in their personnel file, are eligible for the Earned Time benefit.

Earned time is used for vacation, holiday, and sick time. The amount of earned time an employee accrues is based on various factors including, but not limited to, length of service and hours paid. Earned time accrual can be carried over from year-to-year up to the allowable cap.

Advanced Care Planning Assistance Advance care planning (ACP) is simply planning in advance for your care. It is a process that helps you: •

Think about your health care values and goals

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Consider health care choices you may have to make in the future

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Talk about your choices with your doctor and loved ones

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Choose a health care agent

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Complete or update an advance directive

There are certified ACP facilitators available for interested CMC employees for group or one-on-one conversations.

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Cheshire Medical Center 2019 Recruitment Guide

Identity Theft Protection CMC now offers Identity Theft Protection through InfoArmor. You can enroll in the PrivacyArmor plan to help protect your identity, online reputation, and credit. InfoArmor offers industry-leading identity and credit monitoring solutions to alert you of concerns and assist in taking action. The protection includes fraud prevention, proactive monitoring, and real time alerts via email, text, or phone. In addition, InfoArmor will provide services to restore your identity.

Through the PrivacyArmor Plus plan, you will have the protection of: •

identity monitoring

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credit monitoring

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social media monitoring

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NPI monitoring

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wallet protection

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identity theft protection

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solicitation reduction

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internet surveillance Employee Bi-Weekly Contributions Employee only

$4.60

Family

$8.29

With family coverage, you can choose to cover anyone you support financially or that lives under your roof.

Pet Insurance We know how much you love your furry kids at home. We also know how expensive veterinary care can be. That’s why we are excited to announce the addition of Figo Pet Insurance to our benefits package!

What you get when you purchase one of Figo’s pet health insurance plans: • • • • • •

Reimbursement for your pet’s unexpected medical costs (routine visits are not covered) 10% discount on premiums Your premiums will be direct billed to your home so you can cancel or enroll at any time and not subject to normal benefit rules Figo’s Pet Cloud mobile app to manage your pet’s records, reminders and travel Figo’s pet tag with digital pet profile -allowing anyone who finds your pet to group text your family Figo travel water bowl

Various coverage options are available. Rates are dependent on coverage level selected, age/breed of pet and demographic location.

Coverage can be purchased with a credit/debit card ($2 per month fee) or set up with no monthly fee using a checking account.

To get a quote, visit the following link and click “Get a Quote”: http://go.pardot.com/1/173192/2018-09-10/2gcw16 You may also call 844-738-3446, text 844-262-8133, or email support@insurefigo.com for enrollment assistance. You will need to mention that you are a Cheshire Medical Center employee in order to receive the 10% discount.

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Employee Benefits At No Cost To You We all deserve to feel good about ourselves. By offering wellness programs and resources through the Employee Wellness Program, employees can take healthy steps to becoming their best self. In addition to our wellness programs, CMC offers a wide variety of benefits at no cost to you.

Employee Benefits Long-Term Disability

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Life Insurance ● Basic and AD&D

Wellness Program Annual Mammograms

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Earned Time ● Vacation, holiday, and sick ■

Tuition Reimbursement

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Retirement Plan ● Defined Contribution 403(b) Plan (Base and Discretionary Matching Contribution)

Employee Community Garden

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Ergonomic Assessment

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Group Wellness Coaching

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CMC Medical Plans Preventive Care ● CMC Medical Plan Gym Membership reimbursement up to allowable maximum ■

Dental Insurance Preventative Care

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Health and Wellness Challenges

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Monthly Blood Pressure Check

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On-site Walking Paths

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Physical Activity Classes and Programs

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Employee Assistance Program

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Discount Programs: ● Supply Chain (Materiel Management)

● Optical Shop

● Participating Community Vendors

● OTC Pharmacy products ■

Employee Activity Programs/Events

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Eligibility requirements apply to certain benefits.

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Cheshire Medical Center 2019 Recruitment Guide

Smoking Cessation Classes and Support

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Stress Management Classes

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Use of Farnum Gym

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Individual Wellness Activities

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2019 | Recruitment Guide