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PIH 2021 Benefits Overview

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PIH 2021 Benefits Overview

2021 BENEFITS OVERVIEW

WHO IS ELIGIBLE? All full-time, non-union employees working at least 30 hours per week are eligible to participate in benefit plans on the first day of the month following 60 days of continuous active employment. HOW DO I ENROLL? Complete the 2021 Benefits Enrollment Form located in the employee self-service portal, Doculivery. Visit www.phillipsih.com/benefits to get started. WHEN CAN YOU MAKE CHANGES TO YOUR ENROLLMENT? Changes to your benefits may be made during open enrollment each year which typically occurs in the fourth quarter. Changes may be made outside of open enrollment for qualifying events including, but not limited to: marriage/divorce, birth/adoption, or change in job status. Other qualifying events may apply. When you have a qualifying event, you must immediately notify Human Resources and submit the appropriate form(s) within 30 days after the qualifying event. In the event that you experience a change in Medicaid/Children’s Health Insurance Program (CHIP) eligibility, appropriate form(s) must be submitted to Human Resources within 60 days after the eligibility change. QUESTIONS? If you have any questions about your PIH benefits, please contact Brandon Layne in Human Resources at [email protected] or (865) 567-7641. Medical Benefits ������������������������������������������������������������������������������������������������������������������������������������������������������������2 Medical Benefits Comparison������������������������������������������������������������������������������������������������������������������������������������3 Health Savings Account�����������������������������������������������������������������������������������������������������������������������������������������������3 Dental Benefits��������������������������������������������������������������������������������������������������������������������������������������������������������������� 4 Vision Benefits���������������������������������������������������������������������������������������������������������������������������������������������������������������� 4 Telemedicine ��������������������������������������������������������������������������������������������������������������������������������������������������������������������5 Phillips Wellness������������������������������������������������������������������������������������������������������������������������������������������������������������� 6 Flexible Spending Accounts ��������������������������������������������������������������������������������������������������������������������������������������7 Disability Benefits ��������������������������������������������������������������������������������������������������������������������������������������������������������� 8 Paid Maternity Leave ��������������������������������������������������������������������������������������������������������������������������������������������������� 8 Basic and Supplemental Life Insurance���������������������������������������������������������������������������������������������������������������� 9 Supplemental Health Insurance������������������������������������������������������������������������������������������������������������������������������10 Employee Assistance Program��������������������������������������������������������������������������������������������������������������������������������� 11 401(k) Retirement Plan ���������������������������������������������������������������������������������������������������������������������������������������������� 12 Annual Notices��������������������������������������������������������������������������������������������������������������������������������������������������������� 13-16 Table of Contents

1

Medical Benefits CIGNA - OPEN ACCESS PLUS NETWORK 1-800-244-6224 | www.mycigna.com | Group Number: 3332287 PIH offers access to medical benefits through Cigna. You may choose between two different medical plans: High Deductible Health Plan (HDHP) and Preferred Provider Organization (PPO) Plan.

Option 1: HDHP with HSA The HDHP offers lower premiums and generally covers 100% of medical expenses after the annual deductible has been met. Due to the higher out-of- pocket costs associated with the HDHP, PIH offers employees a Health Savings Account (HSA), which we will explain in more detail on page 3.

Option 2: PPO Plan The PPO Plan offers higher premiums, but a lower deductible and out-of-pocket maximum. After reaching your annual deductible, medical expenses will be covered at 80%. By choosing the PPO Plan, you are eligible to set aside money in a Flexible Spending Account (FSA).

PPO Plan Weekly Premiums Employee Only EMP + Spouse EMP + Child(ren)

HDHP Weekly Premiums Employee Only

Non-Wellness Wellness

Non-Wellness Wellness

$62.81

$49.37

$77.34 $151.91

$64.84 $139.41

EMP + Spouse

$119.59 $106.16

EMP + Child(ren)

$104.78 $161.56

$91.34 $148.12

$132.46 $119.96 $207.02 $194.52

EMP + Family

EMP + Family

To receive the maximum benefit from your chosen plan, make sure your medical provider is a member of the network. • In-network providers will file your claims for you. • By using an out-of-network physician or facility, you will be subject to a higher deductible and responsible for a larger percentage of the charges. You may also have to pay for charges over the usual and customary rate. To find an in-network provider, download the MyCigna app or go to the online directory at www.cigna.com and click on the “Find a Doctor” button to begin your search. Please be sure to carefully review the online directory or call Cigna to confirm that your provider participates in the network.

2

Medical Benefits Comparison

MEDICAL BENEFITS¹

Option 1: HDHP with HSA $3,000 / $6,000 (Shared) 2

Option 2: PPO Plan

Deductible: Individual / Family

$2,000 / $4,000 (Embedded) 3

Out-of-Pocket Maximum: Individual / Family

$3,000 / $6,000

$3,000 / $6,000

SERVICES RECEIVED AT A PRACTITIONER’S OFFICE Preventive Care

100%

100%

Office Visit For sick visits, please consider Teladoc first SERVICES RECEIVED AT A FACILITY Emergency Room

100% after deductible

80% after deductible

100% after deductible

80% after deductible

Most Other Services

100% after deductible

80% after deductible

PHARMACY Retail Preventive Generics Generics / Preferred Brand/Non-Preferred Brands Mail Order⁴ Preventive Generics Generics/Preferred Brand/Non-Preferred Brands

Plan pays 100% 100% after deductible

$10 / $35 / $60

Plan pays 100% 100% after deductible

3x Retail copay

Specialty Drugs

100% after deductible

N/A / $35 / $60

All benefits shown In-Network 1. See your Evidence of Coverage for Out-of-Network Benefits, prior authorization, visit limits and more. 2. Shared Family Deductible - entire family deductible must be met before the plan will pay. 3. Embedded Deductible - each individual is only responsible for the individual deductible amount before the plan will pay (maximum two deductibles).

Health Savings Account (HSA) HSA BANK 1-855-731-5225

If you are enrolled in the HDHP, you are eligible to participate in a Health Savings Account (HSA) through HSA Bank. A HSA is established to pay for future qualified medical, dental and vision expenses that are incurred by you or your dependents enrolled in the plan. PIH contributes to the HSA quarterly on your behalf, so it is to your advantage to make the most of your HSA.

You may make tax-free payroll contributions to the account to pay for subsequent future qualified medical expenses. Your contributions to the HSA will be payroll deducted and the funds deposited into your HSA. You may change the amount you contribute to your HSA at any time during the plan year. When a qualified expense is incurred, you simply use your HSA debit card or request reimbursement for the expense from the custodial account. Unused account dollars are yours to keep, even if you retire or leave the company. Also, if you are 55 years of age or older you may contribute an additional $1,000 catch-up contribution to your HSA.

Annual Maximum Contributions to your HSA

Total Amount You May Contribute

IRS Annual Maximum Contribution

PIH's Contribution

$2,700

Employee Only

$3,600 $225 Quarterly, $900 Annually

$5,600

Emp + Spouse

$7,200 $400 Quarterly. $1,600 Annually

$5,600

Emp + Child(ren)

$7,200 $400 Quarterly. $1,600 Annually

$5,200

Emp + Family

$7,200 $500 Quarterly, $2,000 Annually

3

Dental Benefits

CIGNA 1-800-244-6224 | www.mycigna.com | Group Number: 3332287

Your PIH dental benefits are administered by Cigna.

You can visit any dentist that you choose. However, if your provider is not in-network, he/she may charge more than the usual and customary rate, and you may be responsible for the additional charges. To find an in-network provider, go to the online directory at www.cigna.com. Please be sure to carefully review the online directory or call Cigna to confirm that your provider participates in the network. Dental Weekly Premiums Buy-Up Plan Employee Only $2.43 $3.71 EMP + Spouse $5.35 $8.16 EMP + Child(ren) $4.87 $7.43 EMP + Family $6.81 $10.39 Base Plan

DENTAL PLAN BENEFITS

Base Plan Buy-Up Plan $50 / $150 $25 / $75

Individual / Family Deductible Calendar Year Maximum (per enrolled person) Preventive Services (Deductible does not apply)

$1,500

$2,500

100%

100%

80% after deductible 60% after deductible

80% after deductible 70% after deductible

Basic Services

Major Restorative Services

Orthodontic Services (Deductible does not apply) Orthodontic Lifetime Maximum (Covers children up to age 19, lifetime max per child)

50%

50%

$1,500

$2,500

Vision Benefits

Your PIH vision benefits are administered by Cigna. When using in-network providers, this PPO plan covers most exams, eyeglasses, and medically necessary contacts in full. Discounts are available for upgrades on covered frames and lenses. Should you choose to see an out-of-network provider, Cigna will reimburse you up to a specified amount. The out-of-network reimbursement schedule is summarized in the Vision Plan Benefits table below. CIGNA 1-800-244-6224 | www.mycigna.com | Group Number: 3332287

Vision Weekly Premiums

Employee Only EMP + Spouse EMP + Child(ren)

$1.59 $3.20 $3.18 $5.05

EMP + Family

VISION BENEFITS

In-Network $10 Copay

Out-of-Network $45 Allowance Up to $80 Allowance depending on type $77 Allowance

Tofind anin-networkprovider or surgery center, review out-of-network benefits, and other plan details, go to the online directory at cigna.vsp. com and click on the “Find a Cigna Vision Network Eye Care Professional” button to begin your search. Please be sure to carefully review the online directory or call Cigna to confirm that your provider participates in the network.

Vision Exam

Lenses (once per year) Single / Bifocal / Trifocal / Lenticular Frames (once every 2 years) Contacts in lieu of eyeglasses (once per year) Medically Necessary Elective

$10 Copay / covered in full

$140 Allowance

$10 Copay

Covered in full Up to $150

$210 Allowance $120 Allowance

4

Telemedicine TELADOC 1-800-835-2362 | www.teladoc.com

No cost for you or your household to call! PIH is proud to offer Teladoc to all employees and dependents enrolled in the medical plan. Teladoc is a national network of board certified physicians providing telephonic consultations 24/7. Teladoc does not replace your primary care physician. Teladoc should be used when you need immediate care for non-emergency medical issues. It is an affordable, convenient alternative to Urgent Care and ER visits. You can talk with a Teladoc doctor via a phone consult, video consult within the secure member portal, or video consult within the Teladoc mobile app. To request a consult, visit the Teladoc website, log into your account and click “Request a Consult”. You can also call Teladoc to request a consult by phone, or request a consult through the Teladoc mobile app. Teladoc doctors can prescribe short term medication for a wide range of conditions when medically appropriate. When you go to your pharmacy of choice to pick up the prescription, you may use your health/prescription insurance card to help pay for the medication. You will be responsible for the co-pay based on the type of medication and your plan benefits.

5

Phillips Wellness CIGNA 1-800-244-6224 | www.mycigna.com, click on Wellness The Phillips Wellness Program, administered by Cigna, offers employees best-in-class wellness services and a discount on weekly medical benefit premiums. You can save $50 per month! Through the Phillips Wellness Program, all your health and wellness benefits will be integrated into one place and provide you with easy access to your plans, programs, and wellness resources. Most wellness activities will automatically be tracked for you. When you elect to participate in the program, the weekly medical benefit premium discount is automatically applied to your paycheck. To stay in the program, you must earn at least 100 points by participating in wellness activities each year. Here’s how you earn points:

Wellness Activity

Points

Annual Physical

100 100 100 100 100 100

Well Woman Exam

Colon Cancer Screening Prostate Cancer Screening Cervical Cancer Screening

Mammogram

Complete the Cigna on-line Health assessment

50 25

Receive a flu shot

Complete an online coaching program • Nutrition • Exercise • Positive Mood • Weight • Stress • Tobacco one and six month programs

25 (maximum of 50)

Participate in Apps & Activities

25 (maximum of 50)

Self-reported goals: • I made smart and delicious food choices • I took part in physical activity • I’m managing my weight

25 (maximum of 50)

DID YOU KNOW? The preferred way to get the 100 points is to complete an annual physical.

NEW in 2021 - Healthy Pregnancies, Healthy Babies® Program If you're pregnant or become pregnant in 2021, be sure to sign up for the Cigna Healthy Pregnancies, Healthy Babies® program, designed to help you and your baby stay healthy during your pregnancy and in the days and weeks after your baby’s birth. When you enroll in Cigna Healthy Pregnancies, Healthy Babies and complete the program, including your postpartum check-in, you’ll be eligible to receive up to $225 in gift cards.

6

Flexible Spending Account BENEFITSASSIST 1-865-769-2800 | www.mywealthcareonline.com/benefitsassist

PIH offers employees the option to defer money on a pre-tax basis for use on approved medical and dependant care expenses. This is NOT insurance. This is simply a way for you to save on your healthcare or daycare expenses by setting money aside from your gross income, pre-tax for expenses that you anticipate for the plan year. Healthcare FSA With the healthcare FSA, the total dollar amount set aside for the plan year is eligible for withdrawal from the account on day one of your first payroll deduction towards the account. The maximum healthcare FSA annual contribution amount is $2,750. If you are a new hire and enroll in the plan midyear, your contributions will be prorated for the annual amount you select. Dependent Care Account (DCA) You may elect to set money aside to use for your approved childcare services, provided at a daycare facility, in your home, or in someone else’s residence through a DCA. Certain requirements must be satisfied for the services to be approved for reimbursement. The maximum DCA annual contribution amount is $5,000 per family (if you are head of household or married and file a joint tax return) or $2,500 (if you are married and file a separate tax return). Limited FSA If you enroll in the HDHP with HSA, you are only eligible for the Limited FSA. This account may be used on qualified dental and vision expense only, not medical expenses (you will use your HSA for medical expenses). The maximum annual contribution is $2,750. By setting aside money pre-tax into either a FSA or DCA, you save on taxes and take home more spendable income! Please contact BenefitsAssist for a list of eligible medical and dependent care expenses.

7

Disability Benefits GUARDIAN 1-800-268-2525 (STD) | 1-800-538-4583 (LTD) | www.guardiananytime.com Disability insurance can help support you and your family should you become disabled for a short period of time or for an extended period of time. Short-Term Disability (STD) STD provides you financial support in the event that you become temporarily disabled. STD coverage provides 60% of your weekly earnings up to a maximum of $1,000 per week. Benefit payments begin after an eight day waiting period if the disability is illness-related, or the first day if the disability is injury-related, and ends after 26 weeks of continuous disability. Long-Term Disability (LTD) LTD insurance protects your income in the event of a long-term illness or injury. LTD coverage provides 60% of your monthly earnings up to a maximum of $5,000 per month for hourly employees and a maximum of $10,000 per month for salaried employees. Benefit payments begin after you have been deemed to be disabled for 180 days, and ends when you are no longer disabled or reach Social Security Normal Retirement Age. Premium information for both benefits may be found on your enrollment form.

Paid Maternity Leave HUMAN RESOURCES 865-392-3093

PIH is proud to offer up to 8 weeks of paid maternity leave to its employees following the birth of a child. This benefit is eligible to employees that meet the following criteria: • Be a full-time, regular employee • Have been employed with the company for at least 12 months or • Have worked at least 1,250 hours during the 12 consecutive months immediately preceding the date the leave would begin.

8

Basic Life Insurance

GUARDIAN 1-800-600-1600 | www.guardiananytime.com

PIH provides you with Basic Life and Accidental Death & Dismemberment (AD&D) insurance at no cost through Guardian. All full-time hourly and salaried employees receive: • $50,000 of coverage for yourself, • $10,000 of coverage for your spouse, and • $2,000 of coverage for child(ren) ages 6 months to 26 years, or $1,000 of coverage for child(ren) live birth to 6 months. You will need a beneficiary for this policy. Contact Human Resources to update your beneficiaries anytime during the year. Salaried Employees Buy-Up Option Salaried employees may increase their Basic Life and AD&D coverage up to three times their annual salary (up to $300,000). Additional coverage premiums are based on your annual salary and only costs between $2.00 and $5.15 per week! PIH pays 65% of the cost, and you only pay 35% of the additional coverage amount.

Supplemental Life Insurance

GUARDIAN 1-800-600-1600 | www.guardiananytime.com

In addition to the Basic Life insurance provided by PIH, you have the option to purchase Supplemental Life/AD&D insurance through Guardian. You may purchase: • Employee coverage in increments of $20,000 up to a maximum of $500,000. Newly hired employees may purchase the first $200,000 without Evidence of Insurability. • Spousal coverage may be purchased in increments of $1,000 up to $100,000, but must not exceed 50% of the employee purchase amount. Newly hired employees may purchase the first $50,000 without Evidence of Insurability. • Child(ren) coverage: • $500 of coverage on child(ren) age birth to 6 months. • $10,000 of coverage on child(ren) age 6 months to 26 years (if a full-time student). • The full amount is available without Evidence of Insurability.

Employee and Spouse Rates - Monthly Cost per $1,000 of Coverage Age Rate Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20

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