VPP-Benefits-2018-Preso-Final

BENEFITS PLAN INFORMATION 2018 - 2019

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

TABLE OF CONTENTS

Introduction

Page 2

Open Enrollment Items Medical Benefits

Page 6 Page 18 Page 22 Page 24 Page 26 Page 27

Dental Benefits Vision Benefits

Short-Term Disability

ALEX - Decision Support Tool - NEW for 2018-2019

Online Enrollment Instructions - Paycom

Other Benefits 401K

Page 36 Page 42 Page 44 Page 47

Vacation PTO

Employee Assistance Program

Guardian Worksite Benefits - Accident, Critical Illness and Hospital Indemnity

Contact Page

Page 49

2018-2019 BENEFITS

PAGE 1

INTRODUCTION As a member of your hospital team and an employee of VPP, enjoying your work and making valuable contributions to the business are equally vital. The health, satisfaction, and security of you and your family are important to your well-being and ultimately, achieving the goals and values of our organization. One of VPP’s core values is “to invest in our people - they are our best asset” and providing comprehensive benefits is a key part of that investment. For the 2018-2019 plan year, VPP has worked hard to offer a competitive total rewards package that includes valuable and competitive benefits plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and VPP is offering an overall benefits package with a number of possible choices - one that can be shaped and molded by you to fit your needs.

This enrollment booklet is a summary description of your VPP benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do no constitute a contract of employment. We hope this enrollment booklet, along with our additional communication and decision-making tools, will help you make the best health care, and overall benefit choices for you and your family.

2018-2019 BENEFITS

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BENEFITS AT A GLANCE VPP provides an array of benefits that can help you enjoy increased well-being, deal with an unexpected illness or accident, build and protect your financial security, balance your personal and professional life and meet every day needs. These benefits are comprehensive, competitive, and priced as affordably as possible given the ever rising cost of healthcare.

The table below summarizes the benefits available to eligible staff and their dependents. These benefits are described in greater detail in this booklet.

MEDICAL

DENTAL

VISION

SHORT-TERM DISABILITY

401(K)

VACATION/PTO

EMPLOYEE ASSISTANCE PROGRAM

GUARDIAN WORKSITE BENEFITS

UPDATE ON HEALTH CARE REFORM On January 1, 2014, a key component of the health reform law came into effect: Everyone in the US (with a few exceptions) is required to have health insurance. VPP is offering health insurance for eligible staff. This coverage meets all of the health reform law requirements to satisfy your “Individual Mandate” requirements under the law. We hope to keep offering these benefits as a valuable part of your total compensation in the future. Please note that, because we offer you coverage that satisfies all the health reform requirements, you will not qualify for any federal assistance to purchase an individual or family policy on the open market (the “marketplace”)

2018-2019 BENEFITS

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CHANGES & QUALIFYING EVENTS

WHEN COVERAGE BEGINS & ENDS Your coverage under the benefits plans will end if you no longer meet the eligibility requirements, your contributions are discontinued or the Group Insurance Policy is terminated.

QUALIFYING EVENTS Eligible employees may enroll or make changes to their benefits elections during the annual open enrollment period. As with most benefits, once you elect an option you are bound to that choice for the entire plan year unless you experience a “Qualifying Event”.

These “Qualifying Events” may include, but are not limited to: • Changes in employment status • Changes in legal marital status • Changes in number of dependents • Taking an unpaid leave of absence • Dependent satisfies or ceases to satisfy eligibility requirement • Family Medical Leave Act (FMLA) leave • A COBRA-qualifying event • Entitlement to Medicare or Medicaid • A change in the place of residence of the employee, resulting in the current carrier not being available

2018-2019 BENEFITS

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2018-2019 MEDICAL BENEFITS WITH UNITED HEALTHCARE

KEY HEALTH INSURANCE INFORMATION FOR STAFF

We wanted to share some key facts with you below for the 2018-2019 Plan Year starting on July 1, 2018:

• We decided to switch from Blue Cross to United Healthcare for 2018-2019 because of costs. We do not like to switch health insurers because it is a hassle for everyone but we need to keep the plans affordable. With United Healthcare, our cost increase is only 4.5% and is shared proportionately between your employee portion and VPP’s contribution. The Blue Cross rate went up between 15-16%, so we decided to switch. • Healthcare coverage is complex and we are making every effort to help educate you to make informed decisions. You will have access to the ALEX system, which is a decision-making tool that asks you a number of questions about your health and benefits needs - and then will make recommendations. Please see page 26 of this guide to learn how to access ALEX. ALEX will also help you understand dental and other benefits programs. • There is a 97%+ overlap between the doctors and hospitals that our team used for the past two years under Blue Cross and the United Healthcare network. You can go to the link below to look up providers in the United Healthcare network: • To find a medical provider and see if they are “in-network” with United: » » Go to www.uhc.com/find-a-physician » » Select “Find a Physician, Hospital or Health Care Facility” under the general directory box. Click the medical directory; then all UnitedHealthCare plans. Select “Choice Plus” from the list of options » » Search by location or name. You will need to select a provider type and enter a zip code or city/state

2018-2019 BENEFITS

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WHICH PREVENTATIVE CARE SERVICES ARE COVERED? Understanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered at VPP, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost: all copays, coinsurance, and deductibles are waived. The US Preventative Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e. Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year*:

• Routine physical exam • Well baby and child care • Well woman visits • Immunizations • Routine bone density tests • Routine breast exam • Routine gynecological exam

• Routine prostate test • Routine lab procedures • Routine mammograms

• Routine pap smear • Smoking cessation

• Health education/counseling services • Health counseling for STDs and HIV • Testing for HPV and HIV • Screening and counseling for domestic violence Please note there are age/sex limitations for the listed benefits. Please check https://www.healthcare.gov/coverage/preventive- care-benefits/ for more detail and a full list of covered services.

• Screening for gestational diabetes • Obesity screening and counseling • Routine digital rectal exam • Routine colonoscopy • Routine colorectal cancer screening

2018-2019 BENEFITS

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SUMMARY OF COVERAGE - UHC HSA BRONZE

COVERAGE

IN NETWORK

OUT OF NETWORK

Primary Copay

$40 after deductible

You pay 50% coinsurance after deductible

Specialist Copay

$60 after deductible

ER Copay

You pay $200 copay per visit after deductible

Hospital

You pay 10% coinsurance after deductible You pay 50% coinsurance after deductible

Surgery

You pay 10% coinsurance after deductible You pay 50% coinsurance after deductible

Laboratory / Radiology

You pay 10% coinsurance after deductible You pay 50% coinsurance after deductible

Complex Radiology

$200 per visit after deductible

You pay 50% coinsurance after deductible

Deductible

$4,000/$8,000

$6,000/$12,000

Deductible Term

Plan Year

Coinsurance

90%

50%

Max Out Of Pocket (with ded.)

$6,550/$13,100

$10,000/$20,000

RX Copays (retail, 30-day supply)

$10/$30/$50 after deductible

N/A

RX Copays (mail order, 90-day supply)

$25/$75/$125 after deductible

N/A

2018-2019 BENEFITS

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SUMMARY OF COVERAGE - UHC HSA SILVER

COVERAGE

IN NETWORK

OUT OF NETWORK

Primary Copay

$30 after deductible

You pay 50% coinsurance after deductible

Specialist Copay

$50 after deductible

ER Copay

You pay $200 copay per visit after deductible

Hospital

$500/day after deductible (5 day max.)

You pay 50% coinsurance after deductible

Surgery

$750 after deductible

You pay 50% coinsurance after deductible

Laboratory / Radiology

$0 after deductible

You pay 50% coinsurance after deductible

Complex Radiology

$200 per visit after deductible

You pay 50% coinsurance after deductible

Deductible

$3,000/$6,000

$5,000/$10,000

Deductible Term

Plan Year

Coinsurance

90%

50%

Max Out Of Pocket (with ded.)

$6,550/$13,100

$10,000/$20,000

RX Copays (retail, 30-day supply)

$10/$30/$50 after deductible

N/A

RX Copays (mail order, 90-day supply)

$25/$75/$125 after deductible

N/A

2018-2019 BENEFITS

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SUMMARY OF COVERAGE - UHC PPO GOLD

COVERAGE

IN NETWORK

OUT OF NETWORK

Primary Copay

$35

You pay 50% coinsurance after deductible

Specialist Copay

$60

ER Copay

You pay 10% coinsurance after deductible

Hospital

You pay 10% coinsurance after deductible You pay 50% coinsurance after deductible

Surgery

You pay 10% coinsurance after deductible You pay 50% coinsurance after deductible

Laboratory / Radiology

You pay 10% coinsurance after deductible You pay 50% coinsurance after deductible

Complex Radiology

$200 per visit

You pay 50% coinsurance after deductible

Deductible

$2,000/$4,000

$5,000/$10,000

Deductible Term

Plan Year

Coinsurance

90%

50%

Max Out Of Pocket (with ded.)

$7,150/$14,300

$10,000/$20,000

RX Copays (retail, 30-day supply)

$15/$35/$50

N/A

RX Copays (mail order, 90-day supply)

$38/$88/$125

N/A

2018-2019 BENEFITS

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MEDICAL BENEFITS MONTHLY PRICING

UHC HSA BRONZE*

Employee Contribution Per Pay Period

Total Monthly Benefit Amount

VPP Contribution

Employee Monthly Contribution

$48.07

Employee

$415.16

$311.00

$104.16

$297.36 $198.11 $418.65

Employee + Spouse

$955.28

$311.00 $311.00 $311.00

$644.28

Employee + Child(ren)

$740.23

$429.23

Employee + Family

$1,128.08

$907.08

UHC HSA SILVER*

Employee Contribution Per Pay Period

Total Monthly Benefit Amount

VPP Contribution

Employee Monthly Contribution

$64.96

Employee

$441.75

$301.00

$140.75

$330.22 $224.60 $459.28

Employee + Spouse

$1,016.47

$301.00 $301.00 $301.00

$715.47

Employee + Child(ren)

$787.64

$486.64

Employee + Family

$1,296.10

$995.10

UHC PPO GOLD VPP Contribution

Employee Contribution Per Pay Period

Total Monthly Benefit Amount

Employee Monthly Contribution

$135.78 $475.75 $340.31 $641.17

Employee

$566.19

$272.00

$294.19

Employee + Spouse

$1,302.80

$272.00 $272.00 $272.00

$1,030.80

Employee + Child(ren)

$1,009.51

$737.51

Employee + Family

$1,661.21

$1,389.21

*VPP contributes $550 in July 2018 and $550 in January 2019 for a total of $1,100 to your HSA to help with your high deductible.

KEY TERMS TO REMEMBER

ANNUAL DEDUCTIBLE The amount you have to pay each year before the plan starts paying a portion of medical expenses. All family members’ expenses that count toward a health plan deductible accumulate together in the aggregate; however, each person also has a limit on their own individual accumulated expenses (the amount varies by plan).

OUT-OF-POCKET MAXIMUM This is the total amount you can pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Most expenses that meet provider network requirements count toward the annual out-of- pocket maximum, including expenses paid to the annual deductible*, copays and coinsurance. *Except for Grandfathered medical plans

COPAYS & COINSURANCE These expenses are your share of cost paid for covered health care services. Copays are a fixed dollar amount, and are usually due at the time you receive care. Coinsurance is your share of the allowed amount charged for a services, and is generally billed to you after the health insurance company reconciles the bill with the provider.

PLAN TYPES • EPO/PPO - A network of doctors, hospitals, and other health care providers • HDHP - A plan that has higher annual deductibles in exchange for lower premiums. An HSA is part of a HDHP.

HEALTH SAVINGS ACCOUNT (HSA)

For 2018 - 2019 VPP is offering a Health Savings Account (HSA) for the low & mid HDHP plans. This is how an HSA works:

• A health savings account (HSA) is a health care account and savings account in one. The main purpose of this account is to offset the cost of a qualifying high deductible health plan (HDHP) and provide savings for your out-of-pocket eligible health care expenses - those you and your dependents may have now, in the future, and during your retirement.

• This is a “portable” account. You own your HSA! It’s included in your employee benefits package, but after you set up your account, it’s yours to keep, even if you change jobs or retire.

• Once your HSA is established, money is contributed to your account by you, VPP or friends and family, and you can then use your HSA dollars tax-free to pay for eligible health care expenses. You use pre-tax dollars to pay for medical expenses, like doctors’ office visits, prescription drugs, and much more. Best of all, you decide how and when to use your HSA dollars.

• If you take a High Deductible Health Plan, VPP will contribute $1,100 to your HSA: 50% in July 2018 and 50% in January 2019.

• If you already have an HSA and opt for the PPO plan, future pre-tax contributions are not available and new HSA accounts cannot be opened.

2018-2019 BENEFITS

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WHY IS IT A GOOD IDEA TO HAVE AN HSA?

HSAs benefit everyone who is eligible to have this account - single individuals, families, and soon-to-be retirees. You save money on taxes in three ways:

TAX-FREE DEPOSITS The money you contribute to your HSA isn’t taxed (up to the IRS annual limit)

TAX-FREE EARNINGS Your interest and any investment earnings grow tax-free

TAX-FREE WITHDRAWALS The money used toward eligible health care expenses isn’t taxed - now or in the

Setting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30 percent tax bracket, you can save $30 on every $100 spent on eligible health care expenses. HSA funds roll over from year-to-year and accumulate in your account. There is no “use-it-or-lose-it” rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. And when you do have a certain balance in your HSA, investment opportunities are available.

2018-2019 BENEFITS

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HSA ENROLLMENT INTO UMB

NEWLY ENROLLED If you have enrolled in an HSA plan a UMB bank account will automatically be opened for you. If you do not receive a Welcome package or a card in the mail within 15 business days you will need to contact UMB customer service at 866-520-4472. Our enrollment verification number is UMB0011-0044008460003

PREVIOUSLY ENROLLED If you were previously enrolled in an HSA plan and already have a UMB card there is nothing you will need to do.

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COMMON ELIGIBLE AND INELIGIBLE MEDICAL EXPENSES FOR AN HSA

ELIGIBLE • Acupuncture • Alcohol and drug addiction treatment • Breast reconstruction surgery • Dental treatment • Diagnostic tests and devices • Doctor’s visits • Prescriptions • Eyeglasses, contact lenses and exams • Fertility enhancements • Hearing aids and batteries • Operations/surgery (non-cosmetic)

INELIGIBLE • Cosmetic surgery • Diaper service • Electrolysis or hair removal

• Funeral expenses • Health club dues • Illegal operations and treatments • Maternity clothes • Nutritional supplements • Over-the-counter medicines for which you do not have a doctor’s prescription • Toiletries (e.g. toothbrush, toothpaste) • Teeth whitening • Weight loss programs (unless prescribed to treat a specific disease)

• Nursing services • Physical therapy • Psychiatric care • Smoking cessation

FOR THE MOST UP-TO-DATE LISTING, PLEASE CHECK THE IRS WEBSITE. A COMPLETE LIST CAN ALSO BE FOUND BY VISITING THE UMB OFFICIAL WEBSITE.

2018-2019 BENEFITS

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2018-2019 DENTAL BENEFITS WITH AETNA

KEY INFORMATION FOR ALL TEAM MEMBERS

• We are keeping the same dental plans with Aetna, both the DMO and the PPO.

• The DMO plan is very inexpensive however there is a much smaller network of dentists available while the PPO plan provides a much larger network of dentists.

• To find a dentist and see if they are “in-network”: » » Go to www.aetna.com » » Select “Find a Doctor”

» » In the box labeled “Not an Aetna Member?” click the search button » » Search by location or name. You will need to select a provider type and enter a zip code or city/state » » You will be required to select a plan: Aetna DMO or PPO/PDN with PPOII

2018-2019 BENEFITS

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SUMMARY OF COVERAGE - DENTAL DMO*

COVERAGE

IN NETWORK

OUT OF NETWORK

Annual Deductibles

$0

Office Copay Preventative

$5

Basic Major Ortho (Up to Age 19)

Based on Charge Schedule

In-Network Benefits Only

$2,300 Copay

Ortho Lifetime Max

N/A

Annual Benefit Maximum

Unlimited

MONTHLY PRICING Employee Monthly Contribution

Employee Contribution Per Pay Period

Employee

$12.88

$5.94

Employee + Spouse

$25.33

$11.69

Employee + Child(ren)

$35.72

$16.49

Employee + Family

$48.28

$22.28

*Plan not available in South Carolina

2018-2019 BENEFITS

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SUMMARY OF COVERAGE - DENTAL PPO

COVERAGE

IN NETWORK

OUT OF NETWORK

Annual Deductibles (Indiv/Family)

$50/$150

Office Copay Preventative

N/A

80th

100%

100%

Basic

80% 50% 50%

80% 50% 50%

Major

Ortho (Up to Age 19)

Ortho Lifetime Max

$1,500

Annual Benefit Maximum

$2,000

MONTHLY PRICING Employee Monthly Contribution

Employee Contribution Per Pay Period

Employee

$39.06

$18.03

Employee + Spouse

$77.65

$35.84

Employee + Child(ren)

$106.92

$49.35

Employee + Family

$145.51

$67.16

2018-2019 BENEFITS

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2018-2019 VISION BENEFITS WITH PRINCIPAL FINANCIAL GROUP

SUMMARY OF COVERAGE - VISION

COVERAGE

COPAY

TIME FRAME

Exam

$10

Every 12 Months Every 12 Months Every 24 Months

Lenses

$25 $25 $60

Frames

Contact Lenses (Fitting & Evaluation)

Every 12 Months

Contact Lenses (Material)

No Copay

Every 12 Months in Lieu of Frames/Lenses Every 12 Months in Lieu of Frames/Lenses

Necessary Contacts

$25

MONTHLY PRICING Employee Monthly Contribution

Employee Contribution Per Pay Period

Employee

$6.94

$3.20 $5.96 $6.23 $9.59

Employee + Spouse

$12.91

Employee + Child(ren)

$13.49

Employee + Family

$20.77

VISIT WWW.VSP.COM to find a participating provider, benefits information, eye care/eyewear information, and check rebates and offers

2018-2019 BENEFITS

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2018-2019 SHORT-TERM DISABILITY COVERAGE WITH PRINCIPAL FINANCIAL GROUP

SUMMARY OF COVERAGE - SHORT-TERM DISABILITY This chart provides you a brief summary of the key benefits of the short-term disability coverage available from Principal Life Insurance Company. Following the chart, you will find additional information to answer questions you may have. For a complete list of all your short-term disability coverage benefits and restrictions, please refer to your booklet or contact your employer.

ELIGIBILITY

Job Class

All Members

All active, full time employees (except seasonal, temporary, or contract workers) who work at least 30 hours per week BENEFITS PAYABLE

Eligible Members

Primary Weekly Benefit

50% of your predisability earnings up to $500

Benefit Amount

Primary Weekly Benefit less other income sources

Definition of Earnings

Base wage

BENEFIT QUALIFICATION

Elimination Period

Benefits begin on the 8th day for accident and 8th day for sickness

Benefit Payment Period

Up to 12 weeks after the elimination period is satisfied

Maternity

Up to 6 weeks after the elimination period is satisfied

ADDITIONAL BENEFITS

Rehabilitation Incentive Benefit

5% increase in the primary weekly benefit

LIMITATIONS & EXCLUSIONS

Other Limitations

There are a additional limitations to your coverage. A complete list is included in your booklet.

The cost of the Short-Term Disability insurance is paid entirely by VPP.

INTRODUCING ALEX

ALEX is a smart, funny benefits expert who explains your benefits options and helps you choose what’s best for you!

WHY USE ALEX? • Learn about your benefits in plain English instead of insurance jargon

• Get recommendations for which benefits options you should choose based on your personal situation • Review your benefits options at home (or anywhere else there’s an internet connection) so you can include your spouse and family members WHY CAN ALEX HELP? • He will ask you a few questions about your personal situation as well as how you expect to use your medical insurance benefit. Don’t worry - your answers are totally anonymous. • Then he’ll crunch some numbers... • And come up with a plan recommendation just for you! • Of course, he also explains why it’s better then your other options LAUNCH DATES - MAY 21, 2018 Visit ALEX by going to: https://www.myalex.com/Veterinary-Practice-Partners/2018

Once you have gone through Your Personal ALEX Experience, you will be able to go to the Paycom enrollment site where you make your benefit elections for July 2018.

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2018-2019 OPEN ENROLLMENT INSTRUCTIONS

OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS

1. Login to your Employee Self-Service portal using your individual Username and Password in addition to the last 4 of your social security number.

2. From the home screen, you will have a main menu on your dashboard and one of the options will be “Benefits.”

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OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS 3. Click on “2018 Benefits Enrollment” and you will then be brought to the following screen which provides you with tips for the enrollment process.

4. Click on “Start Enrollment” button. It will then populate your contact information in order for you to confirm everything is correct. If it is not, please update on this screen.

OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS 5. Click “Next.” This will then take you to the screen where you can add/edit your beneficiaries. Please take note that the right-side of the screen is your enrollment checklist and will update as each step is completed by placing a green checkmark next to the completed step(s).

6. Click “Save and Next.” It will ask for your Medical plan election.

OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS *** If electing a plan, the blue button will switch to “Enroll.” If declining coverage, the blue button will switch to “Decline” and ask you the reason you’re declining the benefit.

*** If electing an HSA plan, this will add the option to elect your annual contribution amount.

7. It will then take you to the next step which is to elect your dental plan.

*** If electing a plan, the blue button will switch to “Enroll.” If declining coverage, the blue button will switch to “Decline” and ask you the reason you’re declining the benefit.

OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS

8. It will then take you to the next step which is to elect your vision plan.

*** If electing a plan, the blue button will switch to “Enroll.” If declining coverage, the blue button will switch to “Decline” and ask you the reason you’re declining the benefit.

9. You will then be brought to the Review and Finalize screen. Please take the time to make sure your elections are correct. At the top of the checklist to the right-side, it will show you what your per paycheck cost will be based on what you’ve selected. Click “Finalize” once reviewed and confirmed.

OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS 10. If during your review, you decide you would like to make a change, all you need to do is click on which benefit category within the checklist.

or

This will bring you back to the original screen where you made your selection. You can now make the change you are wanting and then click the blue button on the bottom to save your change.

OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS

11. Once all your information and elections are correct, be sure to click the “Finalize” button on the bottom right of the checklist.

12. You will then have a pop-up box which will request you to “Sign and Submit” to complete your enrollment.

*** It is strongly recommended for you to print off your confirmation for your records.

OPEN ENROLLMENT IN PAYCOM INSTRUCTIONS

CONGRATULATIONS! YOUR BENEFITS ENROLLMENT IS NOW COMPLETE.

If you have any questions at all, please reach out via email to benefits@vetpartners.com.

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401(K) WITH PSC

401K A 401(k) plan encouraged you to accumulate savings for retirement through convenient pretax and Roth (after- tax) payroll deductions and generous company matching contributions. As a full time or part time employee, you are eligible to participate in the 401(k) plan the first day of a calendar quarter (Jan 1, April 1, July 1, Oct 1) after you have completed 90 days of service. The 401(k) plan offers a wide array of investment funds from which to choose, including stock, bonds, and blended (target date) funds.

You are allowed to allocate a portion of your pay (from 1% to 100%) into the plan, up to the maximum amounts set by the IRS. Those who are 50 years of age or older are also eligible to make “catch-up” contributions.

VPP will match the first 6% of your contributions to the plan. All of your contributions are immediately 100% vested. You are vested in VPP contributions according to the years of vesting services. This vesting schedule begins on the first day of your employment. See the Employer Match and Vesting Schedule below: EMPLOYER MATCH:

Your Contribution

1%

2%

3%

4%

5%

6%

Company Match

1%

1.5%

2%

2.5%

3%

3.5%

VESTING SCHEDULE*:

End of Year

1

2

*Please note: the hire date or vesting is based on the employee’s hire date with the hospital and not when they partnered with VPP

% Vested

0%

100%

401K ENROLLMENT GUIDE

TO START, LOG INTO WEBACCOUNTLINK.COM Access the website by clicking the link above. Your temporary User ID is your Social Security number and your temporary PIN is the last four digits of your Social Security number. Note: please exclude any dashes in your Social Security number when entering it to login. Rather than using “xxx-xx-xxxx”, use “xxxxxxxxx”.

AFTER LOGGING IN, FOLLOW THESE EASY STEPS TO SETUP YOUR ACCOUNT:

Step 1: Account Setup • Choose your User ID and Password. Please note that your User ID and Password are case sensitive.

» » Enter your User ID (6-12 alpha-numeric characters). » » Enter your PIN (6-8 alpha-numeric characters).

• Answer the security questions. The first time you log in, you will be asked to select four security questions and provide answers to each. These will be used as verification when retrieving a lost password or if you are logging on from an unfamiliar or public computer. The answers you provide are case sensitive.

Continued

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401K ENROLLMENT GUIDE

Step 2: Beneficiaries Your primary beneficiary is your first choice to receive retirement benefits in the event of your death. You can name more than one person or entity as your primary beneficiary. If you are married, your spouse must consent to any change. If your primary beneficiary doesn’t survive you or decides to decline the benefits, then your secondary (or “contingent”) beneficiaries will receive your benefits.

Step 3: Contribution Election Select your desired contribution amounts. Determine if you want it to be a percentage or dollar amount each pay period. Use the retirement savings calculator to determine the tax advantage of making contributions.

Step 4: Investment Election Choose your investments and your allocations. Make sure your allocation percentage totals 100% before proceeding. For information about available investments, see page 14 of this enrollment guide.

Step 5: Confirmation In this final step, you should review all the information you have entered for accuracy. You can edit any information here before you confirm. You will not be able to confirm until all other steps have been completed.

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401K - QUALIFIED PLAN INVESTOR PROFILE

Efficient Advisors portfolios provide a simplified approach to creating an asset allocation plan. This questionnaire will help you decide which portfolio allocation may best meet your risk and return preferences.

CONSIDERATIONS WHEN CHOOSING YOUR PORTFOLIO:

Time Horizon When will you begin withdrawing your money from your account, and at what rate? If that date is many years away, you may be comfortable with a portfolio that carries a greater potential for appreciation and higher level of risk. There’s more time to weather the inevitable ups and downs of the market.

Risk & Return How do you feel about risk (price or value volatility)? Some investments fluctuate more dramatically in value than others but may have the potential for higher returns. It’s important that you select investments that fit within your level of tolerance and understanding for the expected volatility or risk.

Continued

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401K - QUALIFIED PLAN INVESTOR PROFILE

CHOOSING YOUR PORTFOLIO:

1. Complete the Questionnaire Answer the questions by clicking on the title above and use your score to identify an Investor Profile that’s closest to your own. 2. Align your investment selection with your profile results With your Investor Profile in mind, look on page 3 to find the investment strategy that may be most appropriate for you. The total score will fall within a range of available model choices. 3. Implement your investment selection When you are finished filling out the profile, please review it with your Advisor. This profile is designed to help guide you toward which asset allocation has the risk and return characteristics that correspond most closely with your answers. You are not required to choose the portfolio which is indicative of your score. If you and your financial advisor believe that the portfolios suggested based on your total point score are not the appropriate choice, you may choose an entirely different portfolio. However, depending on which portfolio you select, this may result in exposing your assets to more risk and possibly greater volatility, including a greater potential of capital loss.

Select the portfolio that best meets your needs via your login on the Plan Participant web site. If you need help, contact PCS Participant Services at: 888-621-5791.

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VACATION/PAID TIME OFF

VACATION (PTO)

PAID TIME OFF (PTO): Employees who work at least 30 hours a week* are eligible for PTO. This time can be used for vacation, sick, or personal time with approval from your supervisor and is based on your length of employment at your hospital. PTO is accrued or earned each pay period based on the number of hours worked that pay period for hourly employees or a fixed amount per pay period for salaried employees.

YEARS OF SERVICE

HOURLY ACCRUAL RATE .028 hours/hour worked .044 hours/hour worked .056 hours/hour worked .072 hours/hour worked .088 hours/hour worked

40 HOURS/WEEK 7 days per year 11 days per year 14 days per year 18 days per year 22 days per year

Year 1

After 1 full year of service After 3 full years of service After 5 full years of service After 10 full years of service

HOLIDAYS:

VPP observes the following holidays each year: (please refer to your employee handbook for details)

• New Year’s Day • Memorial Day • Independence Day • Labor Day • Thanksgiving Day • Christmas Day

*Please refer to your hospital’s employee handbook for specific details regarding your PTO.

EMPLOYEE ASSISTANCE PROGRAMWITH C om P sych ®

EMPLOYEE ASSISTANCE PROGRAM

The Employee Assistance Program is provided by ComPsych® GuidanceResources and offers counseling, legal and financial consultation, work-life assistance and crisis intervention services to all our employees and their household family members. WHY PROVIDE AN EAP? Because we care about our employees and their dependents. The EAP can be used free of charge as needed when you or your dependents are facing emotional, financial, legal or other concerns.

ARE THE SERVICES CONFIDENTIAL? Yes, the EAP is strictly confidential. No information about your participation in the program is provided to your employer.

WHY MIGHT MY FAMILY OR I USE THE SERVICES? There are many reasons to use these services. You may wish to contact the EAP if you: • Are feeling overwhelmed by the demands of balancing work and family • Are experiencing stress, anxiety or depression • Are dealing with grief and loss • Need assistance with child or elder care concerns • Have legal or financial questions • Have concerns about substance abuse for yourself or a dependent

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EMPLOYEE ASSISTANCE PROGRAM

WHAT HAPPENS WHEN I CALL? When you call, you will speak with a GuidanceConsultant SM , a master’s- or PhD-level counselor who will collect some general information about you and will talk with you about your needs. The GuidanceConsultant will provide the name of a counselor who can assist you. You can then set up an appointment to speak with the counselor over the phone or schedule a face-to-face visit. WHAT COUNSELING SERVICES DOES THE EAP PROVIDE? The EAP provides free short-term counseling with counselors in your area who can help you with your emotional concerns. If the counselor determines that your issues can be resolved with short-term counseling, you will receive counseling through the EAP. However, if it is determined that the problem cannot be resolved in short-term counseling in the EAP and you will need longer-term treatment, you will be referred to a specialist early on and your insurance coverage will be activated. CAN MY CHILDREN USE THE EAP? Yes. The EAP is a confidential benefit for employees and their household family members. HERE WHEN YOU NEED US

Call: 800.272.7255 TDD: 800.697.0353

Online: guidanceresources.com App: GuidanceResources® Now Web ID: COM589

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GUARDIAN WORKSITE BENEFITS

GUARDIAN WORKSITE BENEFITS

Below are summaries of your Guardian Worksite Benefits. Please click on the titles of each type of insurance to find out more about that particular type of coverage. ACCIDENT INSURANCE Designed to supplement your employer sponsored health coverage, Accident Insurance pays specific benefit amounts for expenses resulting from covered non-work related injuries or accidents. Hospitalization, physical therapy, intensive care, transportation, and lodging are some of the out-of-pocket expenses covered by this plan. Coverage is available through Guardian for you, your spouse and/or your children. CRITICAL ILLNESS INSURANCE Critical Illness insurance can help supplement major medical coverage by helping you pay the direct and indirect costs associated with a critical illness or event. Coverage includes heart attack, stroke, major organ transplant (for recipient), and kidney failure. Cancer coverage may be available for an additional cost. The coverage also includes an annual preventive health screening benefit. Coverage is available for you, your spouse, or domestic partner. All children in the family are covered at 25% of the employee’s benefit at no additional cost. • Employee benefit amount is $10,000 increments to a max of $30,000. • Spouse benefit amount is $5,000 increments to a max of $15,000 (not to exceed 50% of employee amount). • Child benefit amount is 25% of employee’s amount. HOSPITAL INDEMNITY INSURANCE Hospital Indemnity is available to supplement your income in the event of a hospital stay due to illness or injury. Hospital Indemnity insurance benefit payments are made directly to you, no matter what other coverage you may have, and can be used however you choose. This benefit provides a lump sum payment for out-of-pocket healthcare costs or other household expenses that can occur during a hospital stay. You are eligible for this benefit up to age 70 and can elect it to cover you, your spouse and/or your children.

CONTACT INFORMATION

CARRIER NAME

WEBSITE

EMAIL

PHONE NUMBER

Aetna

www.aetna.com

help@aetna.com

800.872.3862

866.314.0335(HSA) 866.633.2446(PPO)

United Healthcare

www.myuhc.com

advocate4me@uhc.com

Principal Financial Group

www.principal.com investor-relations@principal.com 800.986.3343

866.520.4472 816.474.4472* (*For those in Kansas City area only)

UMB Bank

www.hsa.umb.com

Guardian

www.guardiananytime.com

1.888.600.1600

Have a benefits question directly for VPP? Email benefits@vetpartners.com

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