Fairview: Your Benefits - EMPLOYEE SERVICE CENTER: 612-672-5050 - New Employee Welcome

New Employee Welcome

 Fairview: Your Benefits
Retirement   Medical   Spending   Dental   Life   Disability

 EMPLOYEE SERVICE CENTER: 612-672-5050

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Are you eligible You are eligible!
to participate in a Every person
 retirement plan?     employed at
                    Fairview is able
                    to participate in
                     our retirement
                        program.
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Retirement Savings Plans
Employee Contributions
• All employees, upon hire can contribute to a Fidelity retirement account: 403(b)
  (or 401(k) for BHP only).

• No authorized hours requirements for employee contributions.

• Automatic enrollment at 3% contribution level following 30 days of
  employment.
     Non-contract, Lakes MNA, Northland MNA, ADIT, Lakes Service Workers, AFSCME,
      Oxboro 113, PEPOM, and Local 113 LPN.

     Contact Fidelity to stop/change contribution amount.

• Contributions are pretax, earnings tax deferred.

• Manage deduction percentage, investment elections and beneficiary
  designations online: Fidelity.com/atwork or by phone; 1-800-343-0860

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Retirement Savings Plans
Fairview Employer Contributions
Initial eligibility:

• Must be age 21 and have worked 1,000 hours by first anniversary of
  employment (non-contract and some eligible contract groups).

Contribution eligibility:

• Must work at least 1,000 hours annually.

Employer base contribution:

• 4% of annual eligible compensation.

Employer match contribution:

• Contributions made up to 6% will be matched at 50% (i.e. 3% maximum
  match).
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Retirement Savings Plans
                   Vesting Schedule: Must work
                   1,000 hours per payroll calendar
                   year to earn 1 year of vesting credit.
                       1 year = 10%
                       2 years = 20%
                       3 years = 40%
                       4 years = 60%
                       5 years = 80%
                       6 years = 100%

                   Employees in Twin Cities MNA, Local
                   70 Engineers, or Local 113 Twin Cities
                   Service Workers should refer to their
                   union contract for their pension benefits.

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Retirement to-do:
Manage your account
                      • Auto-Enroll
                         Keep the 3% contribution
                      • Manage your account
                         Deduction percentage
                         Investments
Fidelity.com/atwork      Beneficiary designations
                      • Opt-out
                         No contribution at this time

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Do you know if     Generally those
    you are eligible     that work 48
      to receive        hours per pay
                          period are
      benefits?            eligible.

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Health & Welfare Benefits

Enrollment:
You will enroll online at the time of hire and each year during Open Enrollment.
Or during the year if you have a mid-year eligible status change.

    You have 31 days from date of hire to
    make your new hire benefit elections.

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Medical Insurance
Plan Options
Administered by PreferredOne

          Preferred Health                    Preferred Health                    Open Access
        Narrow Network plan                   Narrow Network                   High Deductible plan
                                            High Deductible plan

Twin Cities MNA members have additional plan options. Refer to My Fairview Benefits for other medical plan options.

Medical Premiums are based on:
     How many dependents you cover (10 different tiers)
     What plan you choose
     Your smoking status – your status remain in effect for the entire plan year (even if you have a
      status change mid-year)
     Your authorized hours – noncontract employees only (some exceptions apply)
     If your spouse works at Fairview you may be eligible for a lower ‘married rate’.

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Medical Insurance
Preferred Health Narrow Network Plan
• $500 individual ($1,000 family) deductible. Deductible is per person up to
  the family maximum. This is called an embedded deductible.
• Coverage is limited to the PreferredHealth network of providers.
• Out-of-network coverage within these plans is provided only for limited
  hospital and emergency services.
• Any expenses you pay for out of network services that are not eligible (a
  covered service) will not go toward your deductible or out of pocket max.

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Medical Insurance
PreferredHealth Narrow Network High Deductible Plan
• $1,500 individual ($3,000 family) deductible. If you cover any dependents,
  you will have to reach the family deductible before the plan will start paying.
  This is called a non-embedded deductible.
      $250 contribution ($500 family) provided by Fairview into a health savings account
       (HSA) if you enroll in an HSA.

• Coverage is limited to the PreferredHealth network of providers.
• Out-of-network coverage within these plans is provided only for limited
  hospital and emergency services
• Any expenses you pay for out of network services that are not eligible (a
  covered service) will not go toward your deductible or out of pocket max.

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Medical Insurance
Open Access High Deductible Plan
• $2,600 individual ($5,200 family) deductible. Deductible is per person up to
  the family maximum. This is called an embedded deductible.
      An option to contribute to a health savings account (no Fairview contribution).

• Networks
      Out of Network – most services are covered at 80% after the deductible, but you
       will pay any amounts over the allowed amount
• Provides a larger network and broad out-of-network coverage

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Medical Insurance
Medical Networks

Search provider directories online, www.preferredone.com/fairview
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Medical Insurance
Prescription Drug Coverage
        • ClearScript is our pharmacy benefit manager

        • You pay 100% of cost until deductible met (certain exceptions
          apply), then pay coinsurance.

        • You receive a better benefit if you use a Fairview Pharmacy

        • We have mail order options available through Fairview
          Pharmacy

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Medical Insurance to-do:
Choose Your Plan Option
                 • Option 1 - PreferredHealth Narrow
                   Network plan
                 • Option 2 - PreferredHealth Narrow
                   Network High Deductible plan
                 • Option 3 - Open Access High
                   Deductible plan
                 • Waive (do nothing)

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Have you ever     Fairview offers a
 participated in a  Health Savings
 Health Savings       Account and
    Account?       Medical/Dependent
                     Care spending
                       accounts.

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Medical Insurance
Health Savings Account (HSA)
Administered by Wells Fargo/Optum
• Set aside money to fund current and future health expenses
• Three tax advantages:
      1. pretax contribution
      2. tax-free interest
      3. tax-free distribution
• Roll over any unused balances year to year
• Portability—employee owns the account
• You direct account investments

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Medical Insurance
Health Savings Account (HSA)
Eligibility
• You are eligible to contribute to an HSA if you are enrolled in a qualified high
  deductible health plan ($1,500 and $2,600 deductible plans).
• You are not eligible to contribute if:
        You are enrolled in any part of Medicare (incl. Part A)
        You have medical coverage under another non-high deductible plan (e.g. your spouses
         insurance)
        You are a dependent on another person’s tax return
        You or your spouse is enrolled in a full medical spending account

Maximums
• The IRS maximum you can contribute in 2016 is $3,350 for single and
  $6,750 for family.
• An additional $1,000 catch up is allowed if you are age 55 or older.
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Spending Accounts
Medical Spending Account
Administered by WageWorks
• Set aside pretax money ($130-$2,550 per year) to pay for medical expenses
  for you and your eligible dependents.
• Use it or lose it account with ability to roll over up to $500 into next plan year
  of unused monies.
• IRS requires you to keep itemized receipts for all claims. WageWorks may
  ask you for substantiation (receipts). If substantiation is not provided, your
  card may be suspended.
• Employees in an HSA qualified high deductible health plan may enroll in a
  ‘limited’ use spending account that allows reimbursement for eligible dental
  and vision expenses (and medical expenses only after you have met your
  deductible).

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Spending Accounts
Daycare Spending Account
Administered by WageWorks

• Set aside pretax money, $130-$5,000 per year per household, to help
  pay for the care of your dependents under the age of 13.
• Use it or lose it account (by end of plan year).
• Account and claims management is online with WageWorks.

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Spending Account to-do:
What Works for You?
                 • Consider one or more:
                    Health Savings Account (HSA)
                    Medical Spending Account
                    Daycare Spending Account

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Dental Plans
Plan Options
Administered by Delta Dental
Delta Premier                                 Delta PPO
        Larger network of providers               Smaller network of providers
        Lower premiums                            Higher premiums
        Lower coverage on select services         Higher coverage on select services
        Calendar year deductible ($25/$75)        No deductible / No annual
        Annual maximum plan payment                maximum
         (amount varies by employee group)         Out of network services covered at
                                                    50%

 Orthodontic coverage available under both plans for children under age 19.
 Search for providers online at www.deltadentalmn.org

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Dental to-do:
Choose Your Plan Option
                 • Option 1 - Delta Premier
                 • Option 2 - Delta PPO
                 • Option 3 – Waive (do nothing)

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Dependent Verification
Fairview partners with third-party vendor Willis Towers Watson to
manage the dependent verification process.
• To cover dependents, you are required to provide documentation to
  show that the individual(s) you enrolled are eligible for coverage
  under the Fairview benefits plan.
• List of acceptable documentation available on the My Fairview
  Benefits website.
• You have 60 days to provide documentation or your dependent(s)
  coverage will be terminated.
• Documents can be uploaded to the website, mailed or faxed to Willis
  Towers Watson.

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A volunteer group of
     Good to   employees serve as
     know…      benefits tutors and
                  are available to
                  assist you with
                     language,
                   technology or
                 benefits barriers.
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Term Life Insurance
Administered by Prudential
Non Contract Employees:
• Basic & Optional Life*: $10,000, $50,000, or an amount equaling 1x to 7x
  your annual salary

Contract Employees:
• Basic Life: Refer to your union contract
• Optional Life*: 1x to 5x your annual salary

All Benefit eligible employees are eligible for:
• Spouse Life*: $10,000-$100,000 in increments of $10,000
• Child Life: $5,000 or $10,000
*Evidence of Insurability (EOI) will be required upon initial election of select coverage
amounts and upon desire to increase coverage amount

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Term Life Insurance to-do:
Elect Coverage Amounts
                 • Enroll in coverage
                    You
                    Spouse
                    Children

                 • Non-contract employees default to
                   $10,000

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Disability Coverage
Disability insurance provides salary continuance in the event that you become
disabled and are unable to work.

Administered by Prudential

Non Contract plans:
• Short-term disability
      Coverage options are 50% or buy up to 65% of your weekly earnings
      Medical and maternity leave

• Long-term disability
      Coverage options are 50% or buy up to 60% of your monthly earnings.

• All STD and LTD plan payments are tax free

Contract employees: Refer to your contract for disability plan specifics

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Disability Insurance to-do:
Choose Your Plan Option
                 • Short-term disability
                    Coverage options are 50% or 65% of your
                     weekly earnings
                 • Long-term disability
                    Coverage options are 50% or 60% of your
                     monthly earnings.
                 • Default coverage varies based on
                   your authorized hours

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Make Your Benefit Choices
• Enrollment guide will be mailed
• You may also begin online enrollment
  prior to receiving your guide in the mail.
• Access is typically available starting
  Thursday afternoon after first day of
  employment.
• You have 31 days from date of
  eligibility to enroll.
• Choose carefully; unless you have a
  qualified status change you cannot
  make changes until Open Enrollment.

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Let’s Review a few Important Facts!

     • Retirement
     • Benefits
     • Providers
     • Resources

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Resources

            • Employee Service Center
              representatives can answer your
              benefits and payroll questions.
               Call 612-672-5050 or 877-903-5050

               Monday-Friday, 7:30 a.m. - 5 p.m.

               E-mail esc@fairview.org

            • My Fairview Benefits website
            • New Employee Resource intranet page

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