The Benefits described herein are for eligible Non-Bargaining employees only.  SVCMC offers similar benefits for employees in Collective Bargaining Units that are subject to the provision of the individual Collective Bargaining Units.  Therefore, benefits for Collective Bargaining Units are different than those described in these summaries.

Medical Plans	Vision Plan
SVCMC Medical PPO Plan with Empire Blue Cross/Blue Shield  Empire Blue Cross/Blue Shield Exclusive Provider Option (EPO) Plan	Spectera
Dental Plans	Flexible Spending Accounts
MetLife Dental PDP Plan Aetna DMO Plan	Health Care Account Dependent Care Account

Medical Plans
We understand that choice of healthcare is important for all of our employees. Therefore, we offer three medical plans that provide our employees with more flexibility and enables them to decide which coverage level is right when seeking medical treatment. All three options provide comprehensive hospitalization, medical, surgical and prescription drug benefits. In addition to having this great flexibility, when employees enroll in one of the three medical plans, they're automatically enrolled in the Vision Plan through Spectera, at no additional cost. While SVCMC subsidizes most of the cost to provide coverage, employees share in the cost of this coverage through pre-tax payroll deductions.

We offer three medical plans.  They are:

1. SVCMC Medical PPO Plan with Empire Blue Cross/Blue Shield
2. Empire Exclusive Provider Network (EPO)
3. US Family Plan
    

Saint Vincent's Medical PPO Plan with Empire Blue Cross/Blue Shield offers three levels of benefits.  This plan provides our employees with the option to visit any our SVCMC physicians or providers, use any provider participating in Empire Blue Cross/Blue Shield 's  network, or employees can seek care from any provider outside the two networks.  The Saint Vincent network (providers from Saint Vincent's) offers the lowest co-payments and deductibles of the three networks of benefits.  The Aetna Network requires modest co-payments for most services.  The Out-of-Network tier covers a percentage of services after a deductible is met.  However, employees can choose any of the three network providers they wish to use at the time they need to access medical care. 

Exclusive Provider Network (EPO) with Empire provides coverage using Empire's comprehensive EPO network of physicians and providers only.  There are no out-of-network benefits in this plan.  Employees share in the cost of this plan through modest payroll deductions and modest co-payments at the time a service is rendered. This plan is cost effective because of its plan design with low co-payments.  Prescription drug coverage at a retail pharmacy and through mail order is also available after under the EPO Plan.  There are no deductibles to meet in the EPO Plan so the employee's out-of-pocket expenses are greatly reduced. The EPO Plan does not have any out-of-network benefits available.

The US Family Health Plan is offered to military retirees and their families and the families of active duty personnel. Employees eligible for this coverage do not pay a contribution toward the cost of this coverage. This plan provides the uniform TRICARE Prime benefit, which covers doctor visits, hospitalizations, prescriptions, and medical emergencies anywhere.  The plan provides benefits above and beyond what TRICARE offers, at no extra cost to its members.  There are small co-payments for retiree members who do not have Medicare Part B.  SVCMC will pay the full cost of coverage for all employees and their eligible dependents under for the US Family Health Plan option.

Waiving Coverage
Employees also have the option of waiving medical coverage.  Documentation supporting other medical coverage is required so no one goes uncovered for medical care.

Vision Plan
SVCMC offers automatic coverage in the Spectera vision plan when an employee enrolls in one of our three medical plan options.  Spectera provides vision care benefits under both in-network and out-of-network utilization.  This coverage is provided at no additional cost to employees.  However, employees not enrolled in the Medical Plan are not eligible to enroll in this plan.

Dental Plans
SVCMC offers two dental plan options that provide maximum flexibility. They are:

Option One:
MetLife Preferred Dental Provider (PDP) Plan.  This plan offers employees the flexibility to select any network provider or select any licensed dentist outside the network.  The level of reimbursement on all covered dental services will depend upon the selection of either a provider in the network or out-of-network.  There is a deductible to meet whether the employee chooses in-network or out-of network benefits (except for preventative services).  MetLife covers a percentage of expenses based on whether services are rendered in-or out-of-network.  The MetLife network only covers in-network Orthodontia treatment for covered dependent children.  There is no orthodontia out-of-network benefit under MetLife. Contributions toward the cost of dental coverage vary dependent upon the employee's salary.  Employees share in the cost of dental coverage through payroll deductions on a pre-tax basis.

Option Two:
Aetna Dental Maintenance Organization (DMO) Plan.  This plan provides affordable, easy-to-use dental benefits utilizing only providers that participate in the Aetna DMO network.  Most services are covered after the employee pays modest copay.  Certain services are covered after a percentage of these benefits are paid.  The DMO plan offers Orthodontia coverage for employees and covered eligible dependents.  There are no out-of-network benefits available under this plan.  Members must use an Aetna Dental Provider.  There are no deductibles to meet.  All care under the DMO must be received by an Aetna participating DMO providers.  A primary care dentist (PCD) is required under the DMO Plan.  The PCD will coordinate all of the employee's dental care and will make referrals to specialty dentists as needed.  Employees can change their PCD during the plan year by contacting Aetna member services.  Employees can choose a different PDC for every covered member of the family.  Employees share in the cost of dental coverage through payroll deductions on a pre-tax basis.

Flexible Spending Accounts (FSA)

• Health Care Account
• Dependent Care Account

Health Care Savings Account
SVCMC offers Health Care Account which enables our employees to set aside pre-tax dollars from their paychecks for eligible health care expenses, which are not reimbursable by any other medical, vision or dental plan/s. The minimum an employee can elect to contribute is $50 per calendar year.  The maximum amount an employee can contribute is $5,000 per calendar year.

Dependent Care Account (DCA)
Dependent Care Account enables employees to set aside pre-tax dollars from their paychecks for eligible dependent care expenses, which are not reimbursable or paid by any other plans or persons. The maximum amount employees can contribute is $5,000 per calendar year.

The Benefits described herein are for eligible Non-Bargaining employees only.  SVCMC offers similar benefits for employees in Collective Bargaining Units that are subject to the provisions of the individual Collective Bargaining Units.  Therefore, benefits for Collective Bargaining Units are different than those described in these summaries.

The Benefits information provided is only a brief summary of the benefits available to eligible Non-Bargaining Employees. It is not intended to guarantee benefits.  SVCMC retains the right to modify or eliminate these or any other benefits at any time and for any reason.  If there is a discrepancy between this summary and the Plan Document, the Plan Document will prevail.