January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment

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January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
January 1, 2019 to December 31, 2019

2019 Benefits Enrollment
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
MISSION STATEMENT:
To consistently      CONTENTS
deliver              2019 BENEFIT PLAN HIGHLIGHTS                     4
exceptional          ENROLL WITH EASE                                 5
health care by       HOW TO LOG IN - FIRST TIME USER                  5
demonstrating        ENROLLMENT HAS NEVER BEEN EASIER                 5
the values           WHEN CAN I ENROLL IN BENEFITS?                   6
of service,          HEALTH SAVINGS ACCOUNT (HSA)                     8
teamwork,            TELEMEDICINE BY RELYMD                           9
accountability,      DENTAL                                           11
respect and          BASIC LIFE, ACCIDENTAL DEATH AND DISMEMBERMENT
safe care.           AND SUPPLEMENTAL LIFE INSURANCE                  13
                     SHORT TERM AND LONG TERM DISABILITY              14
                     UNUM WHOLE LIFE                                  15
VISION STATEMENT:    401(K)                                           16
To be the best       ROTH 401K                                        18
community            EMPLOYEE ASSISTANCE PROGRAM                      18
hospital in the      EQUI-VEST 403(B) TSA                             19
nation, with         SUMMARY OF EMPLOYEE DISCOUNT PROGRAMS            20
service as our       PAID TIME OFF (PTO)                              21
guiding principle.   WHO TO CONTACT                                   22
                     LEGAL NOTICES                                    23
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
Dear Hugh Chatham Memorial Hospital Employee:                                     Life/AD&D, Disability
You are one of our most valuable assets and Hugh Chatham Memorial                 Life/AD&D and STD/LTD disability benefits continue to be available
Hospital is pleased to offer a competitive and comprehensive package of           through Cigna.
benefits for 2019. The enrollment period for benefits coverage effective
January 1, 2019, is scheduled for November 5 - November 19, 2018.                 Voluntary Offerings
You may enroll anytime during that period using the online website                Whole Life, Critical Illness, Hospital Indemnity and Accident products are
http://mybensite.com/hughchatham.                                                 available through Hugh Chatham Memorial Hospital Benefits.
As healthcare costs continue to rise due to inflation and increased               An HSA (Health Savings Account) will be offered with your election of the
government regulation, the cost to provide healthcare coverage has also           Medical Plan. As you may know premiums for traditional PPO plans are
increased. Additionally, Hugh Chatham Memorial Hospital has seen an               notably higher than those of a High Deductible Health Plan. With this in
increase in the occurrence as well as the severity of claims of healthcare        mind, you may consider setting aside some of the savings into your HSA
costs. This has been a common scenario across the market as costs                 account to assist with future medical costs.
increase in an effort to keep pace with healthcare trends. Hugh Chatham
Memorial Hospital is committed to providing a comprehensive benefits              Below are important dates to put on your calendar:
package to its employees for the following year and has made the                  Q&A Sessions:       October 29 MSCR at 2:30 p.m. and 8:30 p.m.
following changes to its 2019 offerings:
                                                                                  		                  October 30 MSCR at 10:00 a.m.
Health Insurance – Vendor Change                                                  PowerPoint slides with voiceover narration will be on Quick Click,
 2018            2019                                                             covering the benefit information on all plans for 2019, should you not be
                                                                                  able to attend the meetings.
 Cigna           Allegiance – with the same Cigna network
                                                                                  Annual Enrollment
Pharmacy Benefit – Vendor Change                                                  November 5 - November 19 (All employees must elect for 2019)

 2018            2019                                                             Benefits Fair
                                                                                  November 1 Cardiac & Lung Rehab Area 7:30 am – 4:00 p.m.
 Cigna           Express Scripts
                                                                                  Human Resources staff will be available in the Computer Classroom at
                                                                                  the following times should you need assistance with your enrollment.
Dental Insurance – Vendor Change
                                                                                  November 5th:       9AM - 10:30AM
 2018            2019                                                             November 9th:       9AM - 10:30AM
 MedCost         Delta Dental of NC                                               November 12th:      7:30AM - 9:30AM & 4PM - 5:30PM
Employee contributions for the medical plan will increase only for those          November 14th:      7:30AM - 9:30AM
members who did not complete the three required wellness activities.              November 16th:      11:30AM - 12:30PM & 2:30PM - 3:30PM
Employee contributions for the dental plan will be decreasing and will            November 19th:      7:30AM - 3:30PM
remain for both the 2019 and 2020 plan years. The tobacco surcharge for
employee and spouse will remain the same for the 2019 plan year. You              Please note enrollment deadlines so that you may select and use the
may attest to your current tobacco status via the on line enrollment site.        benefits that are right for you.
                                                                                  Thank you for your continued dedication to providing exceptional care
Vision Coverage:                                                                  and service to our patients, their loved ones, and for your efforts to
Vision coverage will continue to be available through Superior Vision             improve the overall quality of life for our entire community.
with no changes in the rates.
                                                                                  Sincerely,
Wellness Program                                                                  Hugh Chatham Executive Team
Hugh Chatham Memorial Hospital will be revealing an enhanced
wellness program for the 2019 plan year. Details for this program will be
available in January 2019.

           (3 3 6) 527-7 0 0 0      •    180 Parkwood Drive                  •   Elkin, NC 28621          •     w w w.HughChatham.or g
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
2019 BENEFIT PLAN HIGHLIGHTS
 Medical and Pharmacy/Rx Coverage                                                    Employee Eligibility
 • NEW!! HCMH will be transitioning our Medical Administrative Services to           Due to the Health Care Reform Act, Hugh Chatham has elected to allow
   Allegiance. Members will still have access to the same Cigna network and          employees who regularly work an average of 24 hours or more a week to
   there are no changes to our medical plan design.                                  be eligible for benefits. HCMH human resources will monitor, and will notify
 • NEW!! HCMH will be transitioning to a new HSA bank, Healthcare Bank.              employees who meet that criteria.

 Telemedicine                                                                        Dependent Eligibility
 • HCMH continues to offers the benefit of accessing a doctor 24/7/365 via           Your spouse, as defined by the State of North Carolina; unless you are
   mobile app, web browser or phone call. Please see page 9 for more details.        divorced or are legally separated with documentation.
 Wellness Program                                                                    Your dependent child(ren) up to the to the end of the month of which
 • For 2019 HCMH will be expanding the Wellness Program to encompass a               they turn 26 (regardless of marital status, financial dependence, residency,
   more holistic approach. Please keep on the lookout for detailed information       student status, employment status or access to employer sponsored health
   coming in January 2019!                                                           insurance) under the medical, dental, vision and child life.
 • The Tobacco Surcharge for Employee and Spouse will remain the same for the
   2019 plan year. This year you will attest to your tobacco status via the online   Required Documents
   enrollment system.
                                                                                     For Spouse:
 Working Spouse Provision                                                            • A copy of your marriage certificate
 • As a reminder, Hugh Chatham Memorial Hospital does not allow working              • Affidavit of Spousal Health Care Coverage must be completed during the
   spouses with access to other health coverage to be enrolled in the medical          enrollment process
   plan. Spouses that do not have access to other coverage may enroll.
                                                                                     And one of the following:
 You will need to complete an Affidavit concerning spousal coverage. This            • A copy of the front page of your most recent federal tax return confirming
 year you will complete this process via the online enrollment system.                 this dependent is your spouse
 Remember that you are required to notify HR if you have a dependent that is         • A document dated within the last 60 days showing current relationship status
 no longer eligible within 30 days or you waive your rights to COBRA.                  such as a recurring monthly household bill or statement of account. The
 Dental Coverage                                                                       document must list your spouse’s name, the date and your mailing address.

 HCMH will be transitioning the dental plan to Delta Dental of NC. Members           For Children up to age 26:
 will now have access to a tiered dental provider network. Accessing                 • A copy of the child’s birth certificate or adoption certificate naming you or
 providers in the network will result in lower out of pocket costs for you. The        your spouse as the child’s parent OR
 change to Delta Dental of NC will result in lower employee contributions as
                                                                                     • A copy of the court document naming you or your spouse as the child’s
 well. The dental contributions will remain the same for both the 2019 and
                                                                                       legal guardian
 2020 plan years.

 Vision Coverage                                                                     For disabled Children age 26 or older:
                                                                                     • Documentation indicating that your child is legally disabled
 There are no plan design changes or contribution changes for 2019.
                                                                                     • A copy of the child’s birth certificate or adoption certificate naming you or
 Life/AD&D, Disability                                                                 your spouse as the child’s parent OR
 • Life/AD&D and STD/LTD disability benefits continue to be available                • A copy of the court order naming you or your spouse as the child’s legal
   through Cigna, for eligible employees.                                              guardian AND
                                                                                     • A copy of the front page of your most recent federal tax return claiming this
 Voluntary Offerings                                                                   child as your dependent
 • Universal Whole Life will remain with Unum. You may enroll with a                 • Note for a stepchild: If you are covering a stepchild you must also
   counselor via the enrollment line. Please see page 15 for more details.             provide documentation of your current relationship to your spouse as
 • Specified Disease (Critical Illness), Hospital Indemnity and Accident products      requested above
   will be available through Voya. You may enroll or make changes to these
   benefits via the online enrollment system without the need to meet with an        Keep in mind employees will be required to provide the following information
   enroller.                                                                         by November 19th when adding/ enrolling new dependents on the medical
                                                                                     plan. (Spouse and/or Children). For new hires, and newly added dependents
 New Hires:                                                                          (through qualifying life event) employees must submit their documentation
                                                                                     within their 30 day enrollment deadline.
 New hires are effective the 1st of the month after 30 days of benefit eligible
 employment. However, dependent care FSA is effective immediately.

 Please review your beneficiary information.
 Beneficiary information recorded in the benefit enrollment system is for life
 insurance provided by HCMH and supplemental life at your choice. If you
 need to make 401K beneficiary changes, log into netbenefits.com and select
 “Profile” on the top right hand side of the home page. You will then click on
 beneficiaries and follow the prompts to make changes.

4                                                                                                                                 2019 Online Benefits Enrollment
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
ENROLL WITH EASE                                                                  ENROLLMENT HAS NEVER BEEN EASIER
Welcome to your employee benefits website!                                        Once Inside The Site, you will go through a series of screens, each screen
                                                                                  takes only a few moments to complete.
As you know, benefits are an important part of your overall compensation. We
are proud to offer our simple, convenient online benefits enrollment system       Personal Information
that will make enrollment faster and easier than ever before!                     Please verify that all the information is accurate. If you see any blank fields or
Please visit your employee benefits website:                                      need to make changes, please update the information on this screen.

www.mybensite.com/hughchatham                                                     Dependent Information
Inside the website you will find important information such as benefit            If you have a spouse or children that you wish to cover, please enter their
summaries, forms, summary plan descriptions, provider search directories,         information in this section. Remember that you will need correct names,
frequently asked questions, health and wellness resources and much more.          dates of birth and social security numbers for all covered individuals.
Please review this information thoroughly before entering the enrollment
                                                                                  You are now able to upload dependent information directly onto the
section of the website. It is important that you understand your benefit
                                                                                  enrollment site. Below is a screen shot of where on the enrollment you will
options BEFORE starting the enrollment process.
                                                                                  be directed to upload the required documentation for dependents.
If at any point during this process you have questions or
require technical support, please call Tiffany Sparks at
(336) 527-7660.

                                                                                  Benefit Selections
                                                                                  The next few screens will present benefit selections by product (medical,
                                                                                  dental, vision, life insurance, etc.). Each page will show you the benefits you
                                                                                  are eligible for along with a cost “per paycheck”. If at any point in time you
                                                                                  would like to see more information, simply click on one of the menu items to
                                                                                  the right to see expanded benefit summaries, forms, provider links and more.
                                                                                  After you’ve made your selection, click “continue” to go to the next benefit.
HOW TO LOG IN - First time User                                                   Review and Submit Benefits
Step 1                                                                            This is the final step. Please review your benefit choices and costs. If you wish
Visit www.mybensite.com/hughchatham                                               to make changes to your selections, click on the “edit” button to update your
                                                                                  information. Once you have completed your review, agree to the terms and
Step 2                                                                            hit “Continue”. Benefit Statement will be mailed to you.
You will be asked to register as a user on the system by clicking “create a new   Beneficiary Information
user account”. When creating a new user account, you must enter your last
name, date of birth (mm/dd/yyyy), and last 4 digits of the employee’s SSN.        It is important that you select a beneficiary for your life insurance benefits.
                                                                                  You may select a beneficiary from the dependents section, or you can
Step 3                                                                            designate any other person, organization or estate trust. We recommend
                                                                                  updating this information on an annual basis or after any major life event.
You will also be asked to enter an email address (this becomes your User
Name), along with your password. Once that has been completed, you will be        You must complete enrollment in one session.
logged into the website with access to the enrollment system.                     Confirmation statements will be distributed the first week of December.
Step 4
Once logged in, select the “Enroll Now” tab. You will be guided through a
series of screens, each taking only a few moments to complete. All of your
benefit elections will be displayed on a cost “per paycheck” basis, based on
your specific benefit options.

 January 1, 2019 to December 31, 2019                                                                                                                              5
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
WHEN CAN I ENROLL IN BENEFITS?
 New Hires
 You must enroll within 30 days of your benefit eligibility date. If you fail
 to enroll within your 30 day window, you will be required to wait until
 open enrollment to enroll or make changes. Please complete your online
 enrollment prior to your effective date.

 Open Enrollment
 You may enroll and make changes online during the open enrollment season.
 Once open enrollment is closed, you may not make any changes to your
 benefit elections unless you experience a qualifying event.

 Qualifying Events
 If you experience a “Qualifying Event,” during the plan year, you must             Qualifying Events Include:
 request the appropriate changes in the Online Enrollment system within 30          • Any change in your legal marital status which includes divorce, marriage
 days of the event. If you fail to do so, you will be required to wait until open     or annulment.
 enrollment to enroll or make changes.                                              • Any change in the number of dependents in your health insurance plan
                                                                                      including birth, death or adoption.
                                                                                    • Any change in your employment status or your spouse or any change in
                                                                                      the employment status of dependents will also trigger a qualifying event.
                                                                                      The change includes termination or commencement of a job. Change
                                                                                      or return from an unpaid leave of absence. Change in place of work or
                                                                                      situation (hourly or weekly salary changes). All this is also applicable to
                                                                                      your spouse’s employment or dependents employment conditions.
                                                                                    • Any dependent which does not satisfy eligibility requirements due to
                                                                                      attainment of age, student status or similar qualifying events.
                                                                                    • Significant changes in cost of coverage. FMLA
                                                                                      (Family Medical Leave Act) Leave.
                                                                                    • Judgments, orders and decree’s trigger a qualifying event for health
                                                                                      insurance changes.
                                                                                    • Any changes in the coverage of your spouse or dependent from another
                                                                                      employer plan.
                                                                                    • HIPAA (Health Insurance Portability and Accountability Act) special
                                                                                      qualifying events for dependents and due to loss of coverage in insurance.
                                                                                      We will discuss this in detail down below under qualifying events
                                                                                      under HIPPA.
                                                                                    • Qualifying events for health insurance under COBRA. Qualification under
                                                                                      Medicaid or Medicare.
                                                                                    • Loss of coverage under a group health plan of the federal government
                                                                                      like state sponsored health insurance programs, CHIP (Children Health
                                                                                      Insurance Program), state health risk pools etc.

6                                                                                                                               2019 Online Benefits Enrollment
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
MEDICAL & PRESCRIPTION
Medical Plan Highlights
HCMH Tier is defined as Hugh Chatham owned and associated providers. In-Network refers to Cigna contracted providers.

 Plan Features                                                                              HCMH                       Cigna                 Out-of-Network
 Deductibles
 Single Deductible                                                                          $1,500                     $3,000                     $5,000
 Family Deductible (includes single + spouse or children)                                   $3,000                     $6,000                    $15,000
 Out-of-Pocket Maximum
 Single                                                                                     $6,000                     $6,450                    $10,000
 Family (includes single + spouse or children)                                              $12,000                   $12,800                    $20,000
              HCMH Tier and In-Network deductibles and Out-of-Pocket maximums count towards each other, but not towards Out-of-Network.
 Coinsurance                                                                                 80%                        70%                        40%
 Lifetime Maximum                                                                                                    Unlimited
 Physician Office Visit
 Primary Care Provider                                                                80% after deductible      70% after deductible       40% after deductible
 Specialist                                                                           80% after deductible      70% after deductible       40% after deductible
 Preventive Care (including PPACA preventive drugs)                                          100%                      100%                40% after deductible
 Emergency Room                                                                       70% after deductible      70% after deductible       70% after deductible
 Urgent Care                                                                          80% after deductible      70% after deductible       40% after deductible
 Inpatient Hospital                                                                   80% after deductible      70% after deductible       40% after deductible
 Mental/Nervous                                                                       80% after deductible      70% after deductible       40% after deductible
 Outpatient Hospital                                                                  80% after deductible      70% after deductible       40% after deductible
 Basic Radiology / Lab Services (Facility only, Professional, Imaging Services)       80% after deductible      70% after deductible       40% after deductible
 Advanced Radiology (Facility only, MRI, CT Scan, PET Scan)                           80% after deductible      70% after deductible       40% after deductible
 Therapy Services                                                                     80% after deductible      70% after deductible       40% after deductible
 Mental/Nervous                                                                       80% after deductible      70% after deductible       40% after deductible
 Vision Care (Comprehensive Eye Exam Only)                                                   100%                      100%                    Not Available

                                                                                                            Preventive 85%, no deductible.
 Prescription                                                                          All other prescriptions are 80%, after the HCHM In Network deductible

Hugh Chatham Memorial Hospital offers employees an additional discount on outpatient services for Imaging Services and Laboratory, processed and
completed at Hugh Chatham Memorial Hospital. This discount will be only for outpatient services for Imaging Services and Labs performed at Hugh Chatham
Memorial Hospital. The discount will be applied to the member responsibility. Employees will need to contact Hugh Chatham’s business office within 30 days
of the claims processing date to request the additional 50% discount on outpatient Imaging Services services and an additional 75% discount on outpatient
Lab services preformed at HCMH. The discount will now be applied before the deductible is met. Example: If you have an imaging procedure at Hugh
Chatham and the amount billed to Allegiance is $1,500, then Allegiance will discount the bill based on their allowable amount making your
responsibility $900 (this is the amount applied to your deductible), then you get 50% off the $900, so your total cost is $450. This can be paid
by using your HSA account, payroll deduct, PTO or your own personal funds.
All employees working on average 24 or more hours per week are eligible for this coverage, under ACA guidelines. HCMH human resources will monitor, and
will notify employees who meet that criteria.

 Employee                                                                                                          Wellness Tobacco       Non- Wellness Tobacco
                               Wellness                                    Non-Wellness          Non-Wellness
 Contributions                                    Wellness Tobacco                                                 (if spouse is also        (if spouse is also
                              Non-Tobacco                                  Non-Tobacco             Tobacco
 (Bi-Weekly)                                                                                                         tobacco user)             tobacco user)
 Employee Only                   $37.54                 $77.54                    $45.05              $85.05               N/A                       N/A
 Employee & Spouse               $112.62                $152.62                   $135.14             $175.14           $192.62                    $215.14
 Employee & Child(ren)           $67.57                 $107.57                   $81.09              $121.09              N/A                       N/A
 Employee & Family               $135.14                $175.14                   $162.16             $202.16           $215.14                    $242.16
Please refer to your booklet/certificate for a full description of plan provisions, exclusions, conditions and limitations. If information in this guide deviates
from that information in any way, the terms in the booklet/certificate/master contract will govern.

January 1, 2019 to December 31, 2019                                                                                                                               7
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
HEALTH SAVINGS ACCOUNT (HSA)
 A Health Savings Account (HSA) is an individually-owned, portable savings            Account Holders aged 55 and older are eligible to make an additional catch-
 account that allows employees to save for qualified medical and retiree              up Contribution up to $1,000 in the calendar year. You will be able to make
 health expense.                                                                      contributions into an HSA if you meet the following criteria:
 Contributions that you make into this account are done pre-tax.                      • You are not covered by any other non-HC Choice Fund Plan, such as a
                                                                                        spouse’s plan;
 An HSA is designed to help you save and pay for your qualified healthcare
 expenses. Healthcare expenses include deductibles and coinsurances, your             • You are not enrolled in Medicare ;
 out of pocket cost.                                                                  • You do not receive health benefits under TRICARE;
 You can contribute to your HSA through payroll deductions, post-tax                  • You have not received Veterans Administration (VA) benefits within the
 deductions or a one-time lump sum contribution (post tax). Allegiance’s                past three months;
 current banking parter is Healthcare Bank. Once your HSA account is fully            • You cannot be claimed as a dependent on another person’s tax return;
 opened, you will be issued a debit card which can be used for qualified
 medical, pharmacy, dental or vision expenses. However be advised if using            • If your spouse is covered under Medicare:
 the funds from the Health Saving Account for dental or vision expenses your                •   You may still contribute to the HSA;
 health plan deductible or out-of-pocket expense will not be reduced. Only                  •   You may still use your HSA funds to pay for your spouse’s qualified
 Medical and Pharmacy expenses apply toward the health plan deductible                          medical expenses.
 and out-of-pocket maximum.
 There is a limit on how much may be contributed each year to these
 accounts; this includes both the amount Hugh Chatham Memorial Hospital
 contributes, and what the employee contributes for 2019.

 Hugh Chatham Memorial Hospital - HSA Funding Schedule
     Benefit Effective Date January 1        January 1, 2019        April 1, 2019         July 1, 2019       October 1, 2019       Total Annual HCMH Contribution
     Employee Only                       $               375    $               375       $         375      $              375           $          1,500
     Employee + Dependent(s)             $               750    $               750       $         750      $              750           $          3,000

 For new hires the HCMH HSA contribution will be pro-rated based on Benefit Start Date. Examples are illustrated below:
     Start Date                                     January 1, 2019     April 1, 2019         July 1, 2019       October 1, 2019   Total Annual HCMH Contribution
     April 1, 2019    Employee Only                      N/A            $           375       $       375    $               375           $          1,125
                      Employee + Dependent(s)            N/A            $           750       $       750    $               750           $          2,250

     July 1, 2019     Employee Only                      N/A                 N/A              $       375    $               375           $            750
                      Employee + Dependent(s)            N/A                 N/A              $       750    $               750           $          1,500
 New Hires who start October 1st or later will not receive a HCMH contribution into their HSA.

                                                        Maximum Allowed               HCMH will be transitioning to Healthcare Bank with Allegiance for the 2019
     Maximum Allowable                                                                plan year. For the 2019 plan year, the HCMH employer HSA contributions
                                         IRS              after HCMH
     HSA Contribution                                                                 will be deposited into this account for you to access. Your current account
                                                          Contribution
                                                                                      with HSA Bank will remain in place through March. You may access your HSA
     Employee Only                      $3,500                 $2,000                 Bank funds at any time until the transition date. Please note a new debit
     Employee + Dependent(s)            $7,000                 $4,000                 card will be issued by Healthcare Bank.

                                                                                      For new HSA holders, your account will be automatically opened by HCMH.
                                                                                      You may be contacted to validate your identification to complete setting up
                                                                                      this account. Funds will not be placed in to the HSA until the account has
     HCMH contribution will be deposited                                              been validated.
     within the first 15 days of the month
     that the quarter begins.                                                         For existing HCMH HSA Bank account holder, your account will remain open
                                                                                      through March 2019. During this time you will continue to use the same
                                                                                      HSA Debit card for any remaining balances (please do not throw away your
                                                                                      debit cards).

8                                                                                                                                   2019 Online Benefits Enrollment
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
TELEMEDICINE BY RELYMD

January 1, 2019 to December 31, 2019   9
January 1, 2019 to December 31, 2019 - 2019 Benefits Enrollment
DEPENDENT CARE
FLEXIBLE SPENDING ACCOUNT
Hugh Chatham’s Dependent Care Flexible Benefit Plan allows payroll               When are Dependent Care expenses reimbursed?
contribution to a “flexible spending account (FSA) to pay eligible dependent
care expenses with tax-free benefit dollars incurred during 2019.                Dependent care expenses are payable after your account balance can cover
                                                                                 the actual expense. Any FSA funds not used for the 2019 plan year will not
Who is eligible to participate in the Dependent Care                             rollover, and will be forfeited.
Spending Account?                                                                Dependent Care FSA
• Active Full Time / Part Time ( with a FTE of .5 or higher) employees who       If your spouse works or if you are a single parent, how much do you pay for
  have a dependent:                                                              dependent care or babysitting service for children under age 13?
• Child or children under the age of 13 who attend(s) a child care facility so   (Expenses must be incurred as a result of employment and may not be paid
  you and your spouse can maintain gainful employment; or                        to a dependent.)
• Child under the age of 13 for whom, due to a court order, you are              Total Dependent Care Expense       $______________ Maximum
  responsible for child care services; or                                        $416.67/month ($5,000/year/household)
• Child, parent or spouse who is physically or mentally incapable of caring
  for him/herself and requires day care services so you can maintain gainful
                                                                                 Qualified Dependent Care Expenses
  employment.                                                                    •   Day Camp
                                                                                 •   Nursery Schools
Dependent Care Spending Accounts                                                 •   Day Care Centers
For the Dependent Care Spending Account, you can submit expenses related         •   After-School Programs
to the care of your dependent child or children (up to age 13) toward those
pre-tax dollars. An eligible provider of Dependent Care expense is one that      Additional questions can be answered by Hugh Chatham’s benefit
can provide you with a Tax-ID number or a Social Security number for claim       administrator or the plan service provider, Flores and Associates
filing purposes. Also, both you and your spouse must be gainfully employed       1-800-532-3327.
or your spouse must be actively looking for employment. The annual limit
you can put into your dependent care FSA is $5,000. If you are married and       Please visit www.flores247.com for a complete listing.
filing separately, the annual limit would be $2,500.

10                                                                                                                           2019 Online Benefits Enrollment
DENTAL
Delta Dental of NC will be the dental carrier for Hugh Chatham Memorial Hospital for the 2019 plan year. Members will now have access to
network providers at a discounted rate. Please go to www.deltadental.com to search for providers. Employees with an FTE of .5 or higher
are eligible for this coverage.

 Network                                       PPO                              Premier                         Out-of-Network
                               Smaller Dental Provider Network       Larger Dental Provider Network       No Dental Provider Network
                                 Higher Provider Discounts              Lower Provider Discounts        Claims Reimbursed at 90th UCR
 Lifetime Deductible                                                             $100
 Annual Maximum
 Per Person                                                                     $1,300
 Services
 Preventive                                   100%                               100%                                100%
 Basic                                        100%                               100%                                100%
 Major                                        50%                                 50%                                50%
 Orthodontia                                                                      Yes
   Benefit Percentage                                                             50%
   Adult and/or Child(ren)                                                   Children Only
   Lifetime Maximum                                                             $1,200

 2019 Per Pay Period Rates
 Employee Only                                             $16.87
 Employee/Spouse                                           $33.75
 Employee/Child(ren)                                       $40.50
                                                                                                         Your current deductible will carry over
 Employee/Family                                           $50.62                                        to the new dental plan. If you have met
                                                                                                         your lifetime deductible your will not
 Procedure                     Benefit Frequency                                                         have to satisfy a new one.
 Bitewings X-Rays                             One (1) every 12 months
 Full X-Rays                                  One (1) every 60 months
 Fluoride                                    One (1) every year under 19
Note: These procedures follow ADA recommended guidelines

January 1, 2019 to December 31, 2019                                                                                                              11
VISION - MATERIALS ONLY (Frames, Lenses and Contacts)
 Remember: Routine eye exams are covered at 100% when using the                           Discount Features
 domestic or in-network providers, no co-pay, under Allegiance medical.
                                                                                          Look for providers in the Provider Directory who accept discounts, as some
 Your 2019 Vision Plan: Materials only                                                    do not; please verify their services and discounts (range from 10%-40%)
                                                                                          prior to service as they vary.
 Superior Vision will remain our vision provider for 2019. Superior offers
 cost savings to employees as well as deeper discounts. They have a network               Discounts on Covered Materials
 of providers that you can check at www.superiorvision.com. Superior’s
 customer service # is 1-800-507-3800.                                                    • Frames: 20% off amount over allowance
                                                                                          • Lens options: 20% off retail
 Eligibility                                                                              • Progressives: 20% off amount over retail lined trifocal lens, including
 Employees with an FTE of .5 or higher are eligible for this coverage.                      lens options
                                                                                          • The following options have out-of-pocket maximums4 on standard (not
  Services/Frequency
                                                                                            premium, brand, or progressive) lenses.
  Frames                                                       12 months
                                                                                          Discounts on Non-Covered Exam and Materials
  Contact Lens Fitting                                         12 months
                                                                                          • Exams, frames, and prescription lenses: 30% off retail
  Lenses                                                       12 months                  • Lens options, contacts, other prescription materials: 20% off retail
  Contact Lenses                                               12 months                  • Disposable contact lenses: 10% off retail

  Copays
              1
  Materials                                                        $10
                                                 2
  Contact Lens Fitting (standard & specialty)                      $10

  Maximum Member Out-of-Pocket (Single Vision)
  Scratch coat                                                     $13
  Ultraviolet coat                                                 $15
  Tints, solid or gradients                                        $25
  Anti-reflective coat                                             $50
  Polycarbonate                                                    $40
  High Index 1.6                                                   $55
  Photochromics                                                    $80                    Notes:
                                                                                          1. Materials co-pay applies to lenses and frames only, not contact lenses
  Per Pay Period Rates                                                                    2. See your benefits materials for definitions of standard and specialty
                                                                                             contact lens fittings
  Employee Only                                                    $2.89
                                                                                          3. Covered to provider’s in-office standard retail lined trifocal amount; member pays
  Employee/Spouse                                                  $4.84                     difference between progressive and standard retail lined trifocal,
  Employee/Child(ren)                                              $6.48                     plus applicable co-pay

  Employee/Family                                                  $7.85                  4. Discounts and maximums may vary by lens type. Please check with your provider.

  Benefits                                                                                                             In-Network                       Out-of-Network
  Frames                                                                                                         $100 retail allowance                  Up to $50 retail
  Contact Lens Fitting (standard)                                                                                    Covered in full                      Not covered
  Contact Lens Fitting (specialty)                                                                               $50 retail allowance                     Not covered
  Single Vision Lenses (standard) per pair                                                                           Covered in full                    Up to $34 retail
  Bifocal Lenses (standard) per pair                                                                                 Covered in full                    Up to $48 retail
  Trifocal Lenses (standard) per pair                                                                                Covered in full                    Up to $64 retail
  Progressive Lens Upgrade                                                                                          See description3                    Up to $64 retail
  Contact Lenses (Contact lenses are in lieu of eyeglass lenses and frames benefit)                              $130 retail allowance                 Up to $100 retail
 * Co-pays apply to in-network benefits; co-pays for out-of-network visits are deducted from reimbursements.

12                                                                                                                                           2019 Online Benefits Enrollment
BASIC LIFE,                                                                      Supplemental Life Insurance
ACCIDENTAL DEATH AND DISMEMBERMENT                                               In addition to the basic life insurance that Hugh Chatham Memorial Hospital
                                                                                 is providing to employees, eligible employees can purchase more coverage
AND SUPPLEMENTAL LIFE INSURANCE                                                  by enrolling in a Supplemental Group Term Life insurance program.

Program Basics:
As part of your benefits package, Hugh Chatham Memorial Hospital provides        To Enroll
full time employees with Term Life/Accidental Death and Dismemberment            Complete the online enrollment in the benefits enrollment system and then
(AD&D) Insurance at no cost to you.                                              complete Evidence of Insurability (EOI) when applicable within the benefit
You may purchase additional coverage by enrolling in Supplemental Life           election system. Premiums will be deducted from your paycheck (following
insurance for you and your family. These plans are underwritten by Cigna.        any required approvals).

Basic Life Insurance                                                             Life Insurance Rate Information
                  Basic Term Life and AD&D Employer Paid                         The rate is based on your age at the time of initial enrollment. Any future
                         - Full Time Employees Only                              rate changes due to age will be effective on your employer’s plan anniversary
                                                                                 date (each January 1st) following the date you enter a new age bracket.
                       1 times your base salary rounded to the next higher
 Benefit Amount                                                                  Children’s monthly rate is $.50 for $2,500, $1.00 for $5,000, $1.50 for
                       $1,000
                                                                                 $7,500, and $2.00 for $10,000 of coverage.
 Maximum               $250,000
                       by 35% at age 65                                          How To Use This Chart
 Age Reduction         by 60% at age 75                                          To determine your payroll deduction:
                       by 75% at age 70
                                                                                 • Select the amount of supplemental life coverage you would like to elect
Basic Life Coverage is convertible.                                                for you and your spouse
                                                                                 • Divide by 1,000
                 Supplemental Life Insurance Employee Paid                       • Multiply the rate shown on the chart for your age for amount elected on
                   - Employees with an FTE of .5 or higher                         yourself and your spouse’s age for amounts elected on your spouse
                                                                                 • Multiply this number by 12 (This is the yearly premium)
 Benefit Amount        $10,000 increments
                                                                                 • Divide the yearly premium by 26.(This is your payroll deduction)
                       the lesser of $500,000 or 5 times your basic annual
 Maximum Benefit                                                                 If you are enrolling Online, you will be able to click on the drop down arrow
                       earnings
                                                                                 and see your rate.
 Guarantee Issue       $100,000
                       by 35% at age 65                                                                    Voluntary Life Rate Chart
 Age Reduction         by 60% at age 75                                           Age of Employee        Premium         Age of Employee         Premium
                       by 75% at age 70                                              or Spouse             Rate             or Spouse              Rate
Employees who currently have Supplemental Life can increase their                   Less than 30           $0.11                50 – 54            $0.73
coverage by level of $10,000 up to the guarantee issue amount without                 30 – 34              $0.14                55 – 59            $1.27
having to submit EOI.
                                                                                      35 – 39              $0.20                60 – 64            $1.95
                                                                                      40 – 44              $0.29                65 – 69            $3.95
 Spouse Coverage
                                                                                      45 – 49              $0.45                 70+               $6.09
 Benefit Amount       $10,000 increments                                         This Supplemental Life coverage is portable.
                      the lesser of $250,000 (cannot exceed 100% of
 Maximum Benefit                                                                 Beginning on and after your 65th birthday, Cigna decreases the amount of
                      employee supplemental life election)
                                                                                 your Supplemental Life insurance. Cigna pays a percentage of the amount
 Guarantee Issue      $30,000                                                    otherwise payable as follows:
Newly eligible employees can elect up to the guarantee issue without             • From your 65th birthday to age 70, Cigna pays 65%
an EOI. Spouse must be at least 18 years old on the date of enrollment.          • From your 70th birthday to age 75, Cigna pays 40%
Employees who currently have Supplemental Life can increase their
coverage by level of $10,000 up to the guarantee issue amount without            • From your 75th birthday and after, Cigna pays 25%
having to submit EOI.
                                                                                 Example
                                                                                 Ann Smith is a 35-year-old and applies for $100,000 of Supplemental
 Child Coverage                                                                  Life coverage. She follows these steps to calculate her bi-weekly payroll
 Benefit Amount        $2,500 increments                                         deduction.
                       the lesser of $10,000 or 100% of the                      $100,000 divided by 1,000 = $100        100 x .20 = $20      $20 x 12 = $240
 Maximum Benefit
                       emplpoyee's benefit
                                                                                 $240 divided by 26 = $9.23 Her bi-weekly payroll deduction for $100,000 of
If you and your spouse are employees, only one of you may elect                  Supplemental Life coverage is $9.23
Supplemental Life Coverage for your children. Coverage for dependent
children ends at age 26.
You are eligible for Supplemental Life Insurance the first day of the month
on 30 days of continuous benefit eligible service. You may enroll during
your initial eligibility enrollment period, open enrollment, or if you have a
qualifying life event. Late entrants are not eligible for guaranteed issue and
must submit an EOI for approval. Supplemental Life coverage is portable

January 1, 2019 to December 31, 2019                                                                                                                            13
SHORT TERM AND LONG TERM DISABILITY
 Program Basics                                                                 Long Term Disability (Full Time Employees only)
                                                                                Long Term Disability (LTD) is a monthly income benefit to help you with
 As part of your benefits package, HCMH provides full time employees with
                                                                                financial support when an illness or injury occurs and prevents you from
 Long Term Disability at no cost to the employee. You may also purchase
                                                                                working for an extended period of disability.
 additional coverage by enrolling in Short Term Disability. These plans are
 underwritten by Cigna.
                                                                                    Long Term Disability Employer Paid
                                                                                    Elimination Period                                  180 Days
                                                                                    Benefit Percentage                                     60%
                                                                                    Maximum Weekly Benefit                      up to $7,000 per month
                                                                                                                          To age 65 0r SSNRA (Social Security
                                                                                    Maximum Period of Payment
                                                                                                                               Normal Retirement Age)
                                                                                    Minimum Benefit                                       $100

                                                                                You are eligible for LTD the first day of the month on 30 days of continuous
                                                                                benefit eligible service. Hospital provided but need to elect in benefit system

                                                                                 Age at Disability                   Maximum Benefit Period
                                                                                 Age 62 or under           The Employee’s 65th birthday or the date the
                                                                                                             42nd Monthly Benefit is payable, if later.
                                                                                 Age 63                    The date the 36th Monthly Benefit is payable.
 Short Term Disability                                                           Age 64                    The date the 30th Monthly Benefit is payable.
 (Employees with an FTE of .5 or higher)                                         Age 65                    The date the 24th Monthly Benefit is payable.
                                                                                 Age 66                    The date the 21st Monthly Benefit is payable.
 Short Term Disability (STD) is a weekly income benefit to help you with
 financial support when an illness or injury occurs and prevents you from        Age 67                    The date the 18th Monthly Benefit is payable.
 working for a period of weeks.                                                  Age 68                    The date the 15th Monthly Benefit is payable.
                         Short Term Disability Employee Paid                     Age 69 or older           The date the 12th Monthly Benefit is payable.
  Elimination Period
  Sickness                            14                                        Basic Short Term/Long Term Disability Earnings
  Accident                            14                                        The base rate earnings you received on the last day you worked for HCMH,
  Benefit Percentage                  60%                                       before becoming disabled. It does not include bonuses, commission,
                                                                                overtime pay, or shift differentials.
  Maximum Weekly Benefit              up to $1,000 per week

  Maximum Period of Payment
                                      26 weeks (includes two week               Value Added Benefits for all employees
                                      elimination period)                       •    Travel Assistance
      Rate Information                $.645 per $10 of Benefit                  •    ID Theft Protection
 You are eligible for STD the first day of the month on 30 days of continuous   •    Estate Guidance
 benefit eligible service. You may enroll during your initial eligibility       •    Will Preparations
 enrollment period, open enrollment, or if you have a qualifying life event.
 Late entrants are not eligible for guaranteed issue and must submit an EOI     •    Funeral Planning
 for approval.                                                                  •    Concierge Services
 How to determine what you will pay for                                         •    Concierge Services
 Weekly Income Benefits coverage:
                                                                                Beneficiary Assistances program
                    Per Pay Period Premium for an Employee
                                                                                Information about these services can be found at HC QuickClick.
  Employee Base Rate Salary           $2,000 Monthly
                                                                                This is a summary of benefits only. A complete description of benefits and
                                      60% of salary to a maximum benefit of     limitations will be provided in the certificate of coverage.
  Weekly Benefit
                                      $1,000. $2,000 x 12 months =
                                                                                Please note that “Other Income” will be subtracted from your basic monthly earnings
                                      $24,000/ 52 weeks x60%
                                                                                when calculating your monthly income benefit. “Any Other Assumed Income” includes
                                      = $277.00 weekly benefit
                                                                                unemployment benefits, workers’ compensation benefits, social security benefits,
  Monthly Rate                        $.645 per $10 of benefit                  and others. For a full list of income sources that reduce your monthly income benefit,
  Monthly Premium                     $277 / 10 = 27.7 x $.645 = $17.86         please reference your Life & Disability Summary Plan Description. You must be disabled
                                                                                for at least 180 days before you can receive a benefit payment.
  Bi-weekly premium                   $8.24
 When you are enrolling Online, you will be able to click on the drop down
 arrow and see your rate.

14                                                                                                                               2019 Online Benefits Enrollment
VOLUNTARY BENEFITS
Voya will continue to be our provider for our Specified Disease (Critical
Illness), accident and Hospital Indemnity Plans. Your coverage is guaranteed
when you enroll.

Voya Compass Specified Disease Insurance
Voya Compass Specified Disease Insurance pays a lump-sum benefit if you
are diagnosed with a covered disease or condition1. You can use this money
however you like, for example: to help pay for expenses not covered by your
medical plan, lost wages, child care, travel, home health care costs or any of
your regular household expenses. Voya Compass Specified Disease Insurance
is a limited benefit policy. This is not health insurance and does not satisfy the
requirement of minimum essential coverage under the Affordable Care Act.
During this open enrollment period you may elect up to $20,000 for yourself
and $10,000 for your spouse and children without having to answer any
medical questions.
If you enroll in Voya Compass Specified Disease Insurance coverage, you
and your covered dependents will have access to the Wellness Benefit.                           UNUM WHOLE LIFE
The Wellness Benefit provides an annual benefit if you complete a health
screening test, whether or not there were any out-of-pocket costs. This                         Why individual Whole Life Insurance coverage?
benefit is designed to encourage you to maintain a healthy lifestyle as the                     Whole Life Insurance is designed to provide a base of life insurance coverage
tests can help screen for a wide range of potential illnesses and diseases.                     for your lifetime. It offers you life insurance protection, tax-deferred cash
Rates for Specified Disease are based on age and amount of coverage                             accumulation (based on current tax laws), and cash value loan privileges – all
selected. This information is included within the benefit enrollment system.                    in one policy.
                                                                                                The premium you pay is based on the death benefit you select and the
Voya Compass Accident Insurance                                                                 optional riders you choose as well as your age and tobacco status. The
Accident insurance pays you benefits for specific injuries and events                           insurance coverage, premium amounts, and cash value are guaranteed as
resulting from a covered accident1. You can use this money however you                          long as you meet the required premium payments.
like, for example: deductibles, child care, housecleaning, groceries or
utilities. Compass Accident Insurance is a limited benefit policy. This is not                   Term Life Insurance                           Whole Life Insurance
health insurance and does not satisfy the requirement of minimum essential                       Only covered during the life of the policy    Coverage for entire life
coverage under the Affordable Care Act.
                                                                                                 Less expensive than whole life for            Acquire cash value
Rates per pay period:                                                                            comparable death benefit
Employee                      $6.15
                                                                                                You can only enroll in the Whole Life during open enrollment.
Employee & Spouse             $9.99
Employee & Children           $11.81                                                            You may elect by meeting with an enroller or calling the enrollment line at
Family                        $15.65
                                                                                                (877) 275-0016.
Voya Compass Hospital Confinement
Indemnity Insurance
Hospital Confinement Indemnity Insurance pays a daily benefit if you have
a covered stay in a hospital, critical care unit or rehabilitation facility1.
You can use this money for any purpose you like, for example: to help pay
for expenses not covered by your medical plan, lost wages, child care,
travel, home health care costs or any of your regular household expenses.
Compass Hospital Confinement Indemnity Insurance is a limited benefit
policy. This is not health insurance and does not satisfy the requirement of
minimum essential coverage under the Affordable Care Act. There are no
pre-existing condition restrictions.

Rates per pay period
Employee                      $8.35
Employee + Spouse             $16.97
Employee + Children           $12.80
Family                        $21.42
1 See the product brochure, certificate of coverage and any applicable riders for the
definition of covered facilities, along with complete provisions, exclusions and limitations.
Insurance products issued by ReliaStar Life Insurance Company, a member of the Voya®
family of companies. Home and Administrative Office: 20 Washington Avenue South,
Minneapolis, MN 55401. Policy provisions and product availability may vary by state.

January 1, 2019 to December 31, 2019                                                                                                                                         15
401(k)
 This Plan is intended to be a participant-directed Plan as described in Section 404(c) of the Employee Retirement Income Security Act of 1974 (ERISA),
 which means that fiduciaries of the Plan are ordinarily relieved of liability for any losses under ERISA that are the direct and necessary result of investment
 instructions given by a participant or beneficiary. What follows is an introduction to the investment options you can choose for your plan account. You
 can spread your investments among several options to take advantage of what each has to offer and help balance different types of risk. Reviewing this
 information can help you understand and compare your options.
                          Spectrum Category Fund Name
   More Conservative Money Market                 Prime Fund – Daily Money class
                          Stable Value            Putnam Stable Value Fund 75
   Potentially less                               Government           Diversified               Municipal Inflation High Yield                     International
   investment                                     ▪ JP Morgan          ▪ Fidelity Advisor                      Protected BlackRock High
   risk and more                                  ▪ Gov’t Bond             Strategic Income                                 Yield Bond
   inflation risk         Bond                        Fund Class A         Fund                                             Portfolio
                                                                           – Class A                                        Investor A
                                                                       PIMCO TotalReturn Fund                               Shares
                                                                                 Class A
                          Balanced / Hybrid
                                                                    Large Value                        Large Blend                           Large Growth
                                                          BlackRock Equity Dividend Fund             Dreyfus S&P 500                     Fidelity Advisor New
                                                                 Investor A Shares                     Index Fund                        Insights Fund Class A
                                                                     Mid Value                          Mid Blend                             Mid Growth
                                                         MFS Mid Cap Value Fund Class R3                                       Fidelity Advisor Mid Cap II Fund Class A
   More                                                             Small Value                       Small  Growth                          Small Growth
   Aggressive             Domestic Equity                                                          Fidelity dvisor Small
                                                       Invesco Small Cap Value Fund Class A
   Potentially                                                                                       Cap Fund Class A
   more                                          Diversified:
                          International /                                                                      Emerging Markets
   investment                                    AllianzGI NFJ International Value Fund Class A
                          Global Equity                                                                        Oppenheimer Developing Markets Fund Class A
   risk and less                                 Oppenheimer     International Growth   Class A
   inflation risk         Specialty
                          Company Stock
 Stock values fluctuate in response to the activities of individual companies and general market and economic conditions. In general, bond prices rise when
 interest rates fall and vice versa. This effect is usually more pronounced for longer-term securities LLC or an affiliate.
 This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the general investment categories and not on the
 actual investment options and their holdings., which can change frequently. Investment options in the Domestic Equity category are based on the options’
 Morningstar categories as of the most recent calendar quarter. Morningstar categories are based on a fund’s style as measured by its underlying portfolio
 holdings over the past three years and may change at any time. These style calculations do not represent the investment options’ objectives and do not
 predict the investment options’ future styles. Investment options are listed in alphabetical order within each investment category. Risk associated with the
 investment options may vary significantly within each category, and the relative risk of categories may change under certain conditions. For a complete
 discussion of risk associated with the mutual fund options, please read the prospectuses before making your investment choices. The spectrum does not
 represent actual or implied performance.
 The 401(k) Plan provides our employees with a simple, cost effective way to save for retirement. The Plan provides the convenience of automatic payroll
 deduction and the power of tax deferred savings. All contributions and earnings are tax-deferred until withdrawn from the Plan. The Hospital provides even
 more incentive for you to save for your retirement by making a matching contribution on a portion of your contributions.

Eligibility                                                                          Catch-up Contributions and Contributions Limits
All employees meet the following criteria: One (1) month of service                  Employees that are 50 or will be 50 by the end of the current calendar year
and age 21.                                                                          will be automatically enrolled in the “catch-up contribution that allows an
                                                                                     additional $6,000 each calendar year. (please refer to full plan information for
Entry Dates                                                                          maximum allowable contributions). The maximum contribution is $19,000
Monthly after fulfilling one month of eligibility.                                   a year, unless your income is $270,000 or greater. Once your income has
                                                                                     reached $275,000, contributions will need to cease.
Auto-Enrollment Feature
                                                                                     Company Matching Contribution
Eligible employees automatically enrolled at 4% when eligible.
                                                                                     $.50 on $1.00 up to 4% of Contribution. Employees must be employed 1 year,
Contribution Amount Changes Allowed                                                  and have worked 1000 hours within a year (on their anniversary date) to be
                                                                                     eligible for the Company Matching. Once you become eligible, you will not
Monthly                                                                              need to satisfy the 1,000 every year.
Employee Contributions
May range from 1 to 90% of Compensation (please refer to full plan
information for maximum allowable contributions). Your contribution will
automatically increase 1% each year up a maximum of 10% unless
you opt-out.

16                                                                                                                                  2019 Online Benefits Enrollment
Employer Matching & Profit Sharing Vesting Schedule                                          The Fidelity Advisor Freedom Funds are represented on a separate investment
                                                                                             spectrum because each fund (except the Fidelity Advisor Freedom Income
                                                                                             fund) will gradually adjust its asset allocation to be more conservative as the
   100%                                                                                      fund approaches its target retirement date. Approximately ten to fifteen years
                                                                                             after the target date, the asset allocation of each Freedom fund will match the
    75%                                                                                      allocation of the Freedom Income fund. The spectrum illustrates the relative
                                                                                             risk and return of each fund as compared with the other funds in the Freedom
                                                                                             family. This spectrum does not represent actual or implied performance.
    50%                                                                                      The Advisor Freedom Funds are subject to the risks of their underlying funds,
                                                                                             including the volatility of the financial markets in the U.S. and abroad, as well
                                                                                             as the additional risks associated with investing in high yield, small-cap, and
    25%
                                                                                             foreign securities. Principal invested is not guaranteed at any time, including
                   0%                                                                        at or after each fund’s target date.
      0%                                                                                     Strategic Advisers, Inc., a subsidiary of FMR LLC., manages the Fidelity Advisor
              < 2 years        Year 2         Year 3        Year 4         Year 5            Freedom Funds.
                                                                                             Important Information: This document provides only a summary of the main
Rollovers Permitted from Other Plans                                                         features of Hugh Chatham Memorial Hospital, Inc. 401(k) Plan, and the Plan
                                                                                             document will govern in the event of any discrepancy. This document is not a
Employees are eligible to rollover balances from previous retirement plans.                  Summary Plan Description.
Please refer to full plan information for rules regarding permitted rollovers.
Loan Provision: Plan permits you to take a loan from your account, which you                 Unless otherwise noted, transaction requests confirmed after the close of the
repay through payroll deductions.                                                            market, normally 4 p.m. Eastern time, or on weekends or holidays, will receive
                                                                                             the next available closing prices.
Distributions from the Plan:                                                                 The investment options available through the Plan reserve the right to modify
In-Service withdrawals available for Hardship reasons, and at age 59 1/2. At                 or withdraw the exchange privilege.
termination of employment or retirement, balances can be rolled to an IRA                    This Plan is intended to be a participant-directed Plan as described in Section
or another employer’s retirement plan. You will receive more detailed Plan                   404(c) of the Employee Retirement Income Security Act of 1974 (ERISA),
information when you become eligible to enroll in the Plan. For a Summary Plan               which means that fiduciaries of the Plan are ordinarily relieved of liability for
Description for the Plan, please contact the Human Resources Department.                     any losses under ERISA that are the direct and necessary result of investment
                                                                                             instructions given by a participant or beneficiary.
Contact Information
                                                                                             The Fidelity Advisor Freedom Funds offer a blend of stocks, bonds and short-
Fidelity website: www.netbenefits.com                                                        term investments within a single fund. The funds are designed for investors
Fidelity Retirement Benefits Line: 1.800.294.4015                                            expecting to retire around the year indicated in each fund’s name. Consider
                                                                                             an appropriate Fidelity Advisor Freedom Fund that matches your needs.
Financial Advisor Contact Information:
                                                                                             Non-Fidelity mutual funds are managed by non-Fidelity entities. Please
Scott Graham, Susan Eisenman                                                                 consult the prospectus for more information. Class of shares may vary.
AXA Advisors, LLC                                                                            Please consult your Summary Plan Description for the specific class of shares
4000 Piedmont Parkway, Suite 205                                                             available through your Plan.
High Point, NC 27265
336.812.8001                                                                                 Fidelity Management & Research Company manages Fidelity Advisor mutual funds.
                                                                                             All trademarks and service marks appearing herein are the property of FMR LLC or an
How do I access my account?                                                                  affiliate. Not NCUA or NCUSIF insured. May lose value. No credit union guarantee.
You can access your account virtually at any time through NetBenefits. Log in                Keep in mind that investing involves risk. The value of your investment will fluctuate over
to netbenefits.com and you will have access to your account information and                  time, and you may gain or lose money.
retirement planning tools. You also can call the Retirement Benefits Line at                 An investment in a money market fund is not insured or guaranteed by the Federal
1.800.294.4015 between 8:30 a.m. and 8:30 p.m. ET on any business day* for                   Deposit Insurance Corporation or any other government agency. Although the fund
more information on your account.                                                            seeks to preserve the value of your investment at $1.00 per share, it is possible to lose
                                                                                             money by investing in the fund. Interest rate increases can cause the price of money
How do I change my investment options?                                                       market securities to decrease.
You may request investment changes (exchanges) or redirect future
                                                                                             Before investing, consider the funds’ investment objectives, risks, charges, and expenses.
contributions among investment options available to you any business day*
                                                                                             Contact your investment professional for a prospectus or visit netbenefits.com for a
online through Fidelity at netbenefits.com or by calling the Retirements
                                                                                             Fidelity Advisor fund prospectus containing this information. Read it carefully before you
Benefits Line at 1.800.294.4015.
                                                                                             make your investment choices.
*Available on days when the NYSE is open. It is important that you elect your Beneficiary
                                                                                             NOT FDIC INSURED • MAY LOSE VALUE • NO BANK GUARANTEE
when you enroll in the 401(k) program. If you are currently enrolled, and have not elected
a beneficiary, you need to log into NetBenefits.com and provide that information.

 January 1, 2019 to December 31, 2019                                                                                                                                                   17
ROTH 401k
In 2018, a Roth 401k option was added to the Fidelity 401k Plan. Roth
deferrals are deducted on an after tax basis, any growth of value is tax
deferred, but distributions can be income tax free upon retirement.
It should be noted that employees can elect both pretax and Roth
contributions if they choose and are not limited to one or the other.
Changes to deferral amounts or types can be made online at Netbenefits.
com or by calling Fidelity directly.

EMPLOYEE ASSISTANCE PROGRAM
 REACH EAP & Workplace Solutions (REACH) is proud to partner with your
employer to provide integrated employee assistance program (EAP), Work-
life, and Wellness services to help you and your family with interests and
concerns ranging from significant life problems to everyday challenges.
These services are prepaid by your employer at no cost to you and are very
confidential. To help you gain and maintain balance in your home and work
life, prevent further problems, and enhance your quality of life, we can help.

REACH OFFERS:
•   24-hour access to services
•   Professional consultation in person or by phone
•   Work-life Services
•   Connections and referrals to additional supports and services as needed

REACH SERVICES ADDRESS:
•   job stress
•   family and parenting issues
•   depression
•   alcohol and drug abuse
•   financial worries
•   legal stressors
•   stress and anxiety
•   marital and relationship problems
•   grief and loss
•   other life stressors

To schedule an EAP appointment or to get more information about your
EAP benefits:
Call toll-free 24/7: 800-950-3434
Email: info@reach-eap.com
Visit our website: www.reach-eap.com

WEB-BASED SERVICES
To help you make the time for what matters most, your Work-life service
provides online access to a wide range of resources available by self-
search for work and life topics of interest to you and your family including
childcare, eldercare, and healthful living tips for all ages. Also available
are monthly online seminars and a comprehensive library of health and
wellness articles and self-assessments. Just log on with your company’s
username and password, and navigate through articles, links, interactive
content, financial calculators, and more.
To access, go to: http://reachworklife.powerflexweb.com
           Username: reach-hcmh         Password: reacheap

18                                                                              2019 Online Benefits Enrollment
EQUI-VEST 403(b) TSA                                        Guaranteed Interest Option (GIO)3,4
 A 403(b) Tax-Sheltered Annuity (TSA) is a                   Offers a guaranteed rate of interest and a guarantee of principal. The value of variable investment
 tax-deferred retirement plan. EQUI-VEST®, a                 options within annuities will fluctuate and is subject to market risk, including the possible loss of
 variable deferred annuity, offers you a way                 principal. Contribution limits are indexed to inflation.
 to help build and enhance your retirement                   You may incur higher costs with these portfolios than if you were to invest directly in the underlying
 savings. It also offers death benefit protection            portfolios. Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance
 and a number of payout options. Your 403(b)                 Company. The GIO is part of AXA Equitable’s general account. AXA Equitable reserves the right to limit
 TSA plan and EQUI-VEST® can be a lifelong                   allocations to the GIO. No more than 25% of any transfer request and contribution can be allocated
 resource as you save for retirement.                        to the Guaranteed Interest Option (GIO). Therefore, we will not process any transfer requests and
                                                             contribution that would result in more than 25% of your account value in the GIO. These transfer
 Market & Issue Ages                                         restrictions are currently waived in all states. We will notify you 45 days in advance if the transfer
 Eligible employees of public schools, colleges              restrictions are reimposed.
 and universities, hospitals and 501(c)(3)                   Features are subject to availability and your employer’s plan.
 nonprofit organizations:
 Ages 18 – 79                                                Important Considerations
                                                             Variable annuities are long-term financial products designed for retirement purposes. In essence, an
 Investment Amounts                                          annuity is a contractual agreement in which payment(s) are made to an insurance company, which
 Initial Minimum: $20                                        agrees to pay out an income or a lump sum amount at a later date. There are fees and charges associated
                                                             with variable annuities, which include, but are not limited to, mortality and expense risk charges, sales
 Contribution Limits1                                        and surrender charges, administrative fees, and charges for optional benefits. For costs and complete
 • Maximum: $18,000 in 2019 or 100% of                       details of coverage, speak to your financial professional. The variable investment portfolios offered in this
   compensation, whichever is less. There is a               contract will fluctuate in value and are subject to market risk, including loss of principal.
   salary cap of 265,000.                                    All guarantees described herein are subject to the claims paying ability of AXA Equitable Life Insurance
 • Catch-Up: $6,000 in 2019 if you are at least              Company. Guarantees do not apply to variable investment portfolios.
   age 50; this is in addition to the maximum                Because this EQUI-VEST® annuity contract would be used to fund a 403(b) TSA plan, you should be
   amount shown above.                                       aware that such annuities do not provide tax-deferral benefits beyond those already provided by the
                                                             Internal Revenue Code. Before purchasing, you should consider whether its features and benefits
 Investment Options                                          beyond tax deferral meet your needs and goals. You may also want to consider the relative features,
 An EQUI-VEST® account provides a wide variety               benefits and costs of this annuity with any other investment that you may use in connection with your
 of equity and guaranteed investment options,                retirement plan or arrangement.
 including options that offer one-step investing.            Certain types of contracts, features and benefits may not be available in all jurisdictions. This fact card
 Based on your retirement planning needs, you                does not cover all material provisions of the EQUI-VEST® contract. This fact card must be preceded
 can select:                                                 or accompanied by a current applicable EQUI-VEST® prospectus and any applicable supplements,
                                                             which contain detailed information about the EQUI-VEST® contract, including risks, charges, expenses,
 Asset Allocation Portfolios2                                investment objectives, limitations and restrictions. You should carefully read the prospectus, and any
 Invest according to your risk tolerance,                    prospectus supplements included in this kit, before purchasing a contract.
 with choices ranging from conservative to
 aggressive.                                                 Features5 at No Additional Charge: (See prospectus for details)
                                                               • Special Dollar Cost Averaging                                 • Loans
 Target Date Allocation Portfolios2
                                                               • Investment Simplifier                                         • Systematic Withdrawal Option (SWO)
 Select a portfolio closest to your retirement
 date. These portfolios offer a one-step                       • Asset Rebalancing                                             • Standard Death Benefit
 investment strategy that adjusts with you as                  • Transfers among Investment Options                            • Beneficiary Continuation Option
 you move through the phases of your life.                       (may be subject to restrictions)
 Your Own Asset Mix
 Choose from among all of our investment
 options.

                                                            1. Contribution limits are indexed to inflation.                      4. No more than 25% of any transfer request and contribution can
                                                                                                                                  be allocated to the Guaranteed Interest Option (GIO). Therefore,
                                                            2. You may incur higher costs with these portfolios than if you
                                                                                                                                  we will not process any transfer requests and contribution that
                                                            were to invest directly in the underlying portfolios.
                                                                                                                                  would result in more than 25% of your account value in the GIO.
                                                            3. Guarantees are based on the claims-paying ability of AXA           These transfer restrictions are currently waived in all states. We
                                                            Equitable Life Insurance Company. The GIO is part of AXA              will notify you 45 days in advance if the transfer restrictions are
                                                            Equitable’s general account. AXA Equitable reserves the right to      reimposed.
                                                            limit allocations to the GIO.
                                                                                                                                  5. Features are subject to availability and your employer’s

Please be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and
cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing
of the transaction(s) or matter(s) addressed, and you should seek advice based on your particular circumstances from an independent tax advisor. AXA Equitable Life Insurance
Company and AXA Advisors, LLC do not provide tax or legal advice. Guarantees described herein are subject to the claims-paying ability of AXA Equitable Life Insurance Company.
EQUI-VEST® is a registered service mark of AXA Equitable Life Insurance Company (AXA Equitable), New York, NY 10104. EQUI-VEST® is issued by AXA Equitable and distributed by
an affiliate, AXA Advisors, LLC, New York, NY 10104. Contract form #s: 2006BASE-A, 2006BASE-B, 2006BASE-1A, 2006BASE-1B and any state variations ©2009 AXA Equitable Life
Insurance Company. All rights reserved. 1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234 Visit our Web site at www.axa.com

 January 1, 2019 to December 31, 2019                                                                                                                                                           19
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