Group Dental Plan No. 301016: Personal & Dependent Dental Care
The benefits described below apply separately to you and each of your covered dependents for expenses incurred for necessary dental services.
Deductible
Type I (A and B) Procedures -Once per Lifetime
$50
Type II Procedures -Each Benefit Period
$50
Benefit Percentage
Type I(A and B) Procedures:
Step 1
70%
Step 2
80%
Step 3
90%
Step 4
100%
Subject to the following exception, Step 1 applies during the first Benefit Period the person is covered.
If the person visits a dentist during each Benefit Peripd and has one covered Type I procedure performed, Steps 2 and 3 will apply during the second and third Benefit Periods respectively, and Step 4 will apply during each Benefit Period after.
If during any Benefit Period the person fails to visit a dentist or fails to have one covered Type I Procedures performed, Step 1 will automatically reapply during the following Benefit Period and the person must advance to Steps 2, 3, and 4 as if he or she were newly covered.
Exception: If during any Benefit Period, the person has a break in continuous coverage of more than one month, Step 1 will reapply for the balance of that Benefit Period and the person must advance to Steps 2, 3, and 4 as if he or she were newly covered.
Type I(A and B) Procedures:
50%
Maximum Amount Per Benefit Period
$1,500
Limitations
For Late Entrants, as defined, during the first twelve months the employee is covered under this section except for exams, cleanings and fluoride applications.
Late Entrant means any person
Whose Effective date of insurance is more than 31 days from the date the person qualifies for insurance or
Who has elected to become insured again after canceling a premium contribution agreement
FirstHealth of the Carolinas
Flexible Spending Account Claim Procedures
Medical Spending Account Claimsare processed through PayFlex. (www.payflex.com) Dependent Care Spending Account Claimsare processed through Human Resources. You must submit a Dependent Care Spending Account Claim Form with documentation (listed below) to Human Resources. Checks are prepared on non-payroll Thursdays for claims received by Monday of that week.
Documentation required for a Dependent Care Spending Account Claim:
Name of the provider and recipient of the service.
The tax identification or social security number of the organization or individual providing the dependent care services.
The date(s) the care was received.
The total charge.
Eligible claims are paid in full when they are received, up to the maximum amount you have elected to deposit in your account for the calendar year. Remember, expenses reimbursed for health and dependent care can not be claimed on your tax return.
Time Limits for Filing Claims: To be eligible for reimbursement, claims must be received by March 31st of the year following the calendar year the expenses are incurred. If you leave FirstHealth employment, you have 90 days to submit claims for expenses incurred prior to your last day of employment.
REMEMBER THE "USE IT OR LOSE IT" RULE Any balances remaining after expenses have been filed for the year are forfeited. These funds can not be paid to you, nor can they be carried over to the next year.
Matching Savings Plan The Matching Savings Plan is another means to accumulate savings for retirement. In this plan, employees voluntarily contribute to their account with Fidelity Investments,Inc., on a tax-deferred,payroll deduction basis. At year end, if the employee meets eligibility requirements, FirstHealth will match portions oft heir contributions based on their salary and length of service.
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The Matching Savings Plan uses tax-deferred contributions as a means for employees toaccumulate additional savings for retirement.
How the Plan Works
Employees are eligible to contribute to the plan as soon as they receive their first pay check. As a participant in the plan, employees may save up to 20% of their annual income (or less if IRS maximum contributions apply) on a pretax basis. Pretax means that the money contributed will come out of the paycheck before income taxes are deducted. This actually reduces income taxes while saving for retirement.
When the employee contributes to the plan, FirstHealth will also contribute to the plan at the end of each year. FirstHealth will match up to 4% of annual compensation. This matching contribution will depend on the employee’s contribution amount and eligible years of service. The chart above shows the matching percentages contributed by FirstHealth based on eligible years of service.
In order to have FirstHealth match employee savings in any given year, the employee must:
Have completed at least one calendar year of service with FirstHealth;
Have received pay for at least 1,000 hours of service during that calendar year; &
Be actively employed by FirstHealth for the entire calendar year.
If the employee retires, becomes disabled or dies before the end of the year, the contribution will still be made to the employee’s account for that year.
Investments
When an employee participates in the plan, they choose how their savings are invested. FirstHealth offers several investment options from which to select. Savings earn tax-deferred income, providing additional growth and tax savings. No taxes are due on the money saved or earned until that money is paid to the employee.
Access to Plan Benefits
The employee is always fully vested in the amount in the plan account. Because contributions are made on a pretax basis, there are certain IRS regulations, restrictions and tax implications regarding loans or withdrawals.
When you add up the benefits of the FirstHealth retirement program, you will see that the bottom line is valuable retirement income.
The Retirement Growth Plan provides FirstHealth paid retirement benefits through annual and discretionary contributions.
The Matching Savings Plan allows employees the opportunity to save for their own future and enjoy tax savings and FirstHealth contributions at the same time.
Social Security provides regular income in retirement.
Years of Service 1 to 4
5 to 9
10 to 14
15 to 24
20 to 24
25 or more
Matching
50% of your contribution
60% of your contribution
70% of your contribution
80% of your contribution
90% of your contribution
100% of your contribution
Retirement Growth Plan The Retirement Growth Plan allows you to accumulate contributions in a special account administered by Fidelity Investments, Inc..
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The Retirement Growth Plan provides retirement income for eligible employees.
How the Plan Works
The Retirement Growth Plan allows eligible employees to accumulate FirstHealth contributionsin a special account to be used for retirement. FirstHealth contributes to the employee’s account,an amount based on the employee’s pay and FirstHealth’s performance. There are two parts tothe FirstHealth contribution:
Annual plan contribution, and
Discretionary contribution
The annual plan contribution is an amount equal to 1% of the employee’s annual earnings. Thiswill be added to the employee’s Retirement Growth Plan account at the end of each year. Inaddition, the employee may receive a discretionary contribution from FirstHealth based on theorganization’s performance for that year.
In order to be eligible for the annual and the discretionary FirstHealth contributions in anygiven year, an employee must:
Have completed at least one calendar year of service with FirstHealth;
Have received pay for at least 1,000 hours of service during that calendar year; &
Be actively employed by FirstHealth for the entire calendar year.
If the employee retires, becomes disabled or dies before the end of the year, the contribution willstill be made to their account for that year.
Investments Eligible employees have several options for investing the contributions in their RetirementGrowth Plan account. Investment earnings are tax-deferred, so that no taxes are paid on themoney in the account until that money is paid to the employee.
Access to Plan Benefits
Because the Retirement Growth Plan is designed to provide retirement income, there are certainrestrictions on receiving plan benefits. The employee (or their beneficiary) will receive thebenefit when the employee retires, becomes disabled or dies. If employment is terminated for anyother reason, the employee will receive only the vestedportion of their plan account. Vesting is earned in theRetirement Growth Plan based on eligible years of servicewith FirstHealth.
Years of Service >2
3
4
5
Vesting
25%
50%
75%
100%
Social Security FirstHealth will match the federal government’s mandatory employee Social Security contribution.
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The Social Security program is an important part of every employee’s total retirement income.During their working career, every employee will contribute to Social Security benefits throughthe FICAtax deducted automatically from their pay. In addition, FirstHealth pays an equalamount toward Social Security benefits each year on behalf of each employee.
Social Security not only provides a regular monthly income during retirement, it also providesfor disability benefits, survivor benefits and health care benefits through Medicare.
The following is a summary of the voluntary Short Term Disability Plan offered to FirstHealth employees through pre-tax payroll deduction. Employees applying for coverage during the initial eligibility may apply for coverage without being subject to pre-existing conditions. Employees applying for coverage beyond their initial eligibility date must complete an Evidence of Insurability form in addition to their application.
Definitions of Disability
In order for an employee to be considered disabled, he/she must not be able to perform his/her job, nor be doing any work for payment, as a result of an injury or sickness. The employee must be under the regular care of a Physician
Exclusions Weekly Income Benefits are not paid for any period of disability caused by:
An intentionally self-inflicted injury
An act of war, declared or undeclared
The Insured's commission of a felony
Sickness or injury which is covered by a Workers' Compensation Act or other workers' disability law
Benefits Summary
Benefit Amount
60% of weekly base salary
Maximum Benefit
$1,000 per week
Waiting Period
8th day of disability
Benefit Duration
16 Weeks
Note: This Summary of Benefits is provided for general information purposes only. Please refer to the Certificate of Insurance for a complete explanation of plan benefits and eligibility requirements
The FirstHealth Outpatient Pharmacy also offers dozens of over-the-counter medications such as Tylenol, Motrin and Claritin for less than you will pay in most area drug stores and supermarkets!
The Outpatient Pharmacy offers delivery services available at RMH & MMH as well as convenient payment options:
Cash
Check
Mastercard/Visa
Flexible Spending Account Card
Payroll deductions -
Must present badge for payroll deductions
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