Calibr Postdoctoral Associates - Scripps Research€¦ · Voluntary Options MetLife Voluntary Benefits Additional Benefits Dependent Care Flexible Spending Accounts (FSA) Health Savings

Calibr Postdoctoral Associates

2019 BENEFITS GUIDE

GETTING STARTED 4 4 Benefits Bird’s Eye View 6 Welcome to Open Enrollment

YOUR HEALTH 10 10 Medical 12 Comprehensive Plan PPO 14 Anthem Blue Cross Select HMO 17 HDHP Aetna Choice POS II 20 Health Savings Account (HSA) 22 Health Reimbursement Arrangement (HRA) 23 Dental Plan 24 Vision Plan

LIFE & DISABILITY 25 25 Basic Life and AD&D 26 Voluntary Life and AD&D 27 Short & Long Term Disability

WORK/LIFE 28 28 Dependent Care Flexible Spending Accounts (FSA) 29 Employee Assistance Program (EAP) 30 Perks from Work 31 Even More Coverage Options 32 Retirement Program

COSTS & DIRECTORY 33 33 Cost Breakdown 34 Directory & Resources

REQUIRED NOTICES 35 35 Plan Guidelines and Evidence of Coverage

Scripps Research 2019 Benefits Information Guide 3.

HELLO!Dear Calibr Postdoctoral Associate:

We welcome you to Scripps Research! We are thrilled to have you aboard, and you’re coming to Scripps Research just in time for Open Enrollment. Benefit elections you make during this timeframe will be effective January 1, 2019. The annual Open Enrollment period is October 29, 2018 through November 9, 2018. This booklet is provided as a summary of your benefit options for the 2019 plan year. A quick review found on the following pages highlights information regarding each benefit plan. Information regarding 2019 healthcare benefits is also available through bSwift as well as Scripps Research website under Human Resources, Benefits.

Preventive care is covered at 100% on the HMO plan and when using in-network providers on the PPO plans. Essentially, this means you will not have to pay any copay, coinsurance or meet a deductible when obtaining care considered and submitted for payment as preventive. Therefore, we encourage you take advantage of free annual exams to maintain your health. The key to keeping health expenses to a minimum is by staying healthy!

It is important to note, if you do not log into bSwift and make your elections during this Open Enrollment period, your benefits with Calibr will end and you will not have coverage through Scripps Research. After the Open Enrollment period ends, changes to your coverage may only be made if you experience a qualified status change during the plan year.

Your 2018 Flexible Spending Account claims will need to be submitted to Calibr’s prior administrator, Igoe. For all claims incurred in the 2019 FSA plan year, please submit to PayFlex. For your convenience, PayFlex will issue debit cards to participants who enroll in the FSA account(s) for 2019. Additionally, the Dependent Care Spending Account limit is $5,000. For Health Saving Account limits, please refer to page 19.

Finally, the bSwift benefit administration system is accessible from any computer with internet access. If you are traveling during Open Enrollment and will NOT have internet access, please contact Human Resources to make arrangements to complete a paper enrollment by the November 9, 2018 deadline. Benefits Administration is available for questions and if you wish to request hard copy applications, contact us at 858.784.8487 or [email protected].

Sincerely,

Paige Gearhart Director, Benefits

4. Scripps Research 2019 Benefits Information Guide

BENEFITS BIRD’S EYE VIEW

At Scripps Research, we offer a range of options to fit your lifestyle.

BENEFITS PLAN OPTIONS

Medical

Anthem Blue Cross Select HMO

Aetna Comprehensive Choice POS II

Aetna HDHP Choice POS II

Dental Delta Dental PPO

Vision MES Vision

Life & Disability

Prudential Basic Life and AD&D

Prudential Supplemental Life and AD&D

Prudential Short Term Disability

Prudential Long Term Disability

Voluntary Options MetLife Voluntary Benefits

Additional Benefits

Dependent Care Flexible Spending Accounts (FSA)

Health Savings Account (HSA)

Health Reimbursement Arrangement (HRA)

GETTING STARTED


ENROLLMENT

Who can Enroll?

If you are a Postdoctoral Associate regularly working a minimum of 20 hours per week, you are eligible to participate in the benefits program. Eligible Postdoctoral Associates may also choose to enroll family members, including a legal spouse/ registered domestic partner (as legally defined under state and local law) and/or eligible children.

Premiums for state registered domestic partners who do not meet the tax dependent definition of IRC section 152 for the employee, may be considered taxable income (unregistered domestic partners will not meet the relationship test under IRC section 152). Premiums for children / registered Domestic Partners step-children under age 26 are not taxable.

When Does Coverage Begin?

Your enrollment choices remain in effect through the end of the benefits plan year, (January 1, 2019 – December 31, 2019). Benefits for eligible new hires will commence as outlined below:

ELIGIBILITY DATE BENEFIT PLAN Your benefits will be effective January 1, 2019. Anthem Blue Cross Select HMO

Aetna Comprehensive Choice POS II

Aetna HDHP Choice POS II

PayFlex HSA/HRA

Delta Dental PPO

MES Vision

Prudential Basic Life/AD&D

Prudential Supplemental Life/AD&D

Prudential Short & Long Term Disability

MetLife Voluntary Benefits

PayFlex Dependent Care Spending Accounts

If you miss the enrollment deadline, you may not enroll in a benefit plan unless you have a change in status during the plan year. Please review details on IRS qualified change in status events for more information.

HOW DO I ENROLL?

bSwift

To enroll, follow these simple steps:

Go to http://scripps.bswift.com Username: first initial and last name (e.g. John Doe would be jdoe) Password: last 4 digits of Social Security Number Click on “Start Your Enrollment” to begin making elections. Click “Complete Enrollment” once finished. You can print or email your final confirmation statement once finished.

You will be prompted to verify your personal and family information before selecting your benefits. A helpful tool to walk you through the process is “Ask Emma.” Emma will guide you through your enrollment and help you decide which plans to enroll in if you are unsure. NOTE: An enrollment guide and instructions will be posted on the Benefits Administration webpages.

TIP

GETTING STARTED GETTING STARTED


WELCOME TO OPEN ENROLLMENT Open Enrollment for Scripps Research benefits program is officially underway. You have from now until October 29, when the online Open Enrollment system opens, to:

Assess your personal coverage needs, including those of your dependents;

Learn about your plans;

Make your decisions for the upcoming plan year; and

Decide whether to enroll in the Dependent Care Flexible Spending Account or Health Savings Account, if you are eligible.

The online Open Enrollment system closes at 5:00 p.m. Pacific time on Friday, November 9, 2018.

This booklet highlights your benefit plan options, outlines steps to change your coverage elections for 2019, and informs you of where you can receive more information if you have questions.

MEETINGS & EVENTS The choices you make during Open Enrollment must remain in effect for the full plan year, January 1 through December 31, 2019. Please take this opportunity to review your options and make your decisions with care. If you have questions, please contact Benefits Administration at 858.784.8487 or [email protected].

DATE MEETING / EVENT LOCATION & TIME

October 26th Benefits Informational Meeting Calibr Boardroom

11:30am – 12:30pm

October 31st Benefits Fair Immunology Galleria / Breezeway

10:00am – 1:00pm

November 2nd Benefits Informational Meeting Calibr Boardroom 2:00pm – 3:00pm

GETTING STARTED


WHAT IF MY NEEDS CHANGE DURING THE YEAR? You are permitted to make changes to your benefits outside of the open enrollment period if you have a qualified change in status as defined by the IRS. Generally, you may add or remove dependents from your benefits, as well as add, drop, or change coverage if you submit your request for change within 30 days of the qualified event. Change in status examples include:

Marriage, divorce or legal separation. Birth or adoption of a child. Death of a dependent. You or your spouse’s/registered domestic partner’s loss or gain of coverage through our organization or another

employer. Change in employment status where you have a reduction in hours to an average below 20 hours of service per week,

but continue to be eligible for benefits, and you intend to enroll in another plan. The plan must provide Minimum Essential Coverage that is effective no later than the first day of the second month following the date of revocation of your employer sponsored coverage.

You enroll, or intend to enroll, in a Qualified Health Plan (QHP) through the State Marketplace or Federal Exchange and it is effective no later than the day immediately following the revocation of your employer sponsored coverage.

Dependents entering or leaving the country.

If your change during the year is a result of the loss of eligibility or enrollment in Medicaid, Medicare or state health insurance programs, you must submit the request for change within 60 days. For a complete explanation of qualified status changes, please refer to the “Legal Information Regarding Your Plans” contents.

DO I HAVE TO ENROLL? Most U.S. citizens and legal residents are subject to a federal tax penalty if they do not have minimum essential health coverage. To avoid paying the penalty, you can obtain health insurance through our benefits program or purchase coverage elsewhere, such as a State or Federal Health Insurance Exchange. However, the Individual Mandate penalty after December 31, 2018 will be $0.

All Scripps Research medical plans meeting the minimum essential coverage under the Health Care Reform standards, and therefore, you may not be eligible for any Federal subsidies. The State Health Exchange Notice is available for employees through Scripps Research’s Benefits website at www.scripps.edu/hr/benefits.

For information regarding Health Care Reform and the Individual Mandate, please contact Benefits Administration at 858.784.8487 or [email protected] or visit www.cciio.cms.gov. You can also visit www.coveredca.com to review information specific to the Covered California State Health Insurance Exchange.

You may elect to “waive” medical/dental if you have access to coverage through another plan. To waive coverage, you must log into bSwift, waive your medical and/or dental benefits, and provide Human Resources with your proof of other coverage. It is important to note that if you waive our medical coverage, you must maintain minimum essential health insurance through another source. It is also important to note that if coverage is waived, the next opportunity to enroll in our group benefit plans would be for January 1, 2020, or if a qualifying status change occurs.

GETTING STARTED


BENEFITS INFORMATION ON THE GO

Aetna

With Aetna’s mobile app, you can:

Search for a doctor, hospital, or pharmacy. Use the “Urgent Care Finder” tool to quickly find urgent care centers and walk-in clinics. Register for your secure member site to view claims, coverage details, your ID card and

your personal Health record. Contact Aetna by phone or email.

Search for Aetna’s mobile app in the App Store or Google Play to get started!

Anthem – On the Go!

With Anthem’s mobile app, you can:

Find a doctor, hospital or urgent care facility. Login to view your personal benefits information. Fax or email your Mobile ID card from your smartphone or device directly to your doctor. Contact Anthem Customer Support directly from the app.

Search for Anthem’s mobile app in the App Store or Google Play to get started!

Anthem LiveHealth Online!

With Anthem LiveHealth Online, you can:

Access an online doctor visit using two-way video and secure instant messaging. Receive care for colds, the flu, allergies, and minor infections. Avoid scheduling an appointment or sitting in waiting rooms. Save yourself time and money. Access registered physicians 24/7/365.

Get started now at ivehealthonline.com!

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GETTING STARTED GETTING STARTED


MEDICAL

What are my Options?

Use the chart below to help compare medical plan options and determine which would be the best for you and your family.

HMO PPO HDHP Anthem Aetna Aetna

Required to select and use a Primary Care Physician (PCP)

Yes No No

Seeing a Specialist PCP referral required in most cases

No referral required No referral required

Deductible Required Yes Yes Yes

Finding a Provider

(*remember to disable your pop-up blocker)

Go to www.anthem.com/ca. Click on “Search by Selecting a Plan or Network,” select “Medical,” select “CA,” and select “Select HMO

Go to www.aetna.com/docfind.

1. Search for a physician by name, provider type, specialty, or location. Once you have made your selections, click on Search. Please remember to turn off pop-up blockers.

2. This will prompt you to select a plan. Under “Aetna Open Access” plans, select Aetna Choice POS II (Open Access) for PPO and Aetna Choice POS II (Aetna Health Fund) for HDHP. Click Continue.

Compatible with your Health Savings Account (HSA) or your Health Reimbursement Arrangement (HRA)

No No Yes

Other Important Tips This plan requires that you see a doctor in a specific network to receive coverage.

Out-of-Network services without proper PCP referral will not be covered.

Emergencies covered worldwide.

You may choose in or out of network care, however in-network care provides you a higher level of benefit.


Out of network providers will bill the balance to the member for amounts not covered by Aetna

Although this plan has a higher deductible than most plans, it requires lower payroll deductions.

The HSA account provides a tax-favored vehicle to help you manage your out-of-pocket expenses.


Please note the above examples are used for general illustrative purposes only. Please consult with your Human Resources Department for more specific information as it relates to your specific plan. For a detailed view of your medical plan summaries, visit http://scripps.bswift.com or visit the Benefits Administration webpage at www.scripps.edu.

YOUR HEALTH


WHY PAY MORE? There are a few ways you can save money when using the Prescription Drug Plan:

YOUR HEALTH


COMPREHENSIVE PPO PLAN The Comprehensive Choice POS II Plan is a Preferred Provider Organization(PPO) Plan that utilizes the Aetna Choice POS II (Open Access) Network. It allows you to choose Aetna network or non-network providers each time you need care. Network providers have contracted with the plan to provide services at lower rates, so using these providers will save you money.

With network providers, your annual deductible is $900 per person ($2,700 maximum per family), and the plan then pays 80% of the cost for most covered services. With non-network providers, your deductible is $1,800 per person ($5,400 maximum per family), and the plan then pays 60% of the cost for most covered services. Preventive care through network providers is covered at 100% and not subject to deductible. Claims are administered by Aetna.

Is this plan for you?

The Comprehensive Choice POS II Plan offers comprehensive coverage, provider choice and complete flexibility. If these features are high on your priority list and you do not mind paying higher out-of-pocket expenses, this option may be worth considering. To receive the highest level of benefits with the Comprehensive Plan, you must always use Aetna network providers. Please note that providers include doctors, hospitals, urgent care clinics, laboratory and x-ray facilities. It is important to check that your doctor has referred you to a network facility in order for lab or x-ray services to be considered in-network. Often, doctors will utilize several lab services and you can request to be sent to an in-network facility.

OPTUM RX PRESCRIPTION DRUG COVERAGE The prescription benefit for the Comprehensive Choice POS II plan is administered through OptumRx. There is a $100 (Individual) / $200 (Family) Annual Deductible applied to brand name drugs before the copay applies. There is also a separate Out-of-Pocket Maximum of $2,000 (Individual) / $4,000 (Family) for prescription drugs.

The following retail copays apply:

Tier 1 is a $10 copay Tier 2 is a $35 copay Tier 3 is a $60 copay

A preferred drug list or formulary provides access to quality, affordable prescription drug benefits. Drugs chosen for the formulary have gone through an extensive review process. The drugs listed on the preferred drug list either represent an important therapeutic advance, or are clinically equivalent and possibly more cost-effective than other drugs not on the preferred drug list. The formulary is typically updated every three months to provide a clinically appropriate list of medicines to meet participants’ needs. To determine if your brand name prescriptions are considered formulary or non-formulary and subject to the third tier copay, log onto www.optumrx.com or call OptumRx at 855.395.2022.

What if I want a brand when a generic is available?

In the event that a generic is available but the pharmacy dispenses the brand per the member’s request, the Plan Member will pay the generic copay plus the difference in cost between the brand and the generic. If a physician writes “dispense as written” or “do not substitute” on the prescription, then the applicable brand copay should apply in that instance

For a current version of the prescription drug list(s), please log into your OptumRx online account at www.optumrx.com.

YOUR HEALTH YOUR HEALTH


PLAN HIGHLIGHTS AETNA COMPREHENSIVE CHOICE POS II (PPO)

In-network Out-of-network Annual Calendar Year Deductible

Individual $900 $1,800 Family $2,700 $5,400

Maximum Calendar Year Out-of-Pocket (1) Individual $2,250 $4,500 Family $4,500 $9,000

Lifetime Maximum Individual Unlimited Unlimited

Professional Services Primary Care Physician (PCP) 20% after deductible 40% after deductible Specialist 20% after deductible 40% after deductible Preventive Care Exam No charge Cancer screenings only Well-baby Care No charge Cancer screenings only Diagnostic X-ray and Lab 20% after deductible 40% after deductible Complex Diagnostics (MRI/CT Scan) 20% after deductible 40% after deductible Therapy, including Physical, Occupational and Speech (up to 39 visits per calendar year) 20% after deductible 40% after deductible

Hospital Services

Inpatient 20% after deductible 40% after deductible

Additional $200 Copay applies if not pre-authorized

Outpatient Surgery 20% after deductible 40% after deductible Emergency Room 20% after deductible 20% after deductible Urgent Care 20% after deductible 40% after deductible

Maternity Care Physician Services (prenatal or postnatal) No Charge 40% after deductible Hospital Services 20% after deductible 40% after deductible

Mental Health & Substance Abuse Mental Health/Substance Abuse through OptumHealth



Outpatient 20% after deductible 40% after deductible Prescription Drugs Prescription Coverage through OptumRx

Prescription Drug Calendar Year Deductible $100/person $200/family

Prescription Calendar Year Out-of-Pocket Maximum $2,000/person $4,000/family

Retail Prescription Drugs (30-day supply) Generic $10 Copay Formulary Brand $35 Copay after Rx deductible Non-Formulary Brand $60 Copay after Rx deductible

Mail Order Prescription Drugs (90-day supply) Generic $20 Copay Formulary Brand $70 Copay after Rx deductible Non-Formulary Brand $120 Copay after Rx deductible

(1) Out-of-pocket maximum is based on the maximum allowable charge the carrier allows. This does not include any balance billing that may occur when using an out-of-network provider.

The above information is a summary only. Please refer to your Evidence of Coverage for complete details of Plan benefits, limitations and exclusions.

YOUR HEALTH


ANTHEM BLUE CROSS SELECT HMO The Anthem Blue Cross Select HMO provides comprehensive coverage, including wellness and preventive care, for services provided by Anthem Blue Cross Select HMO physicians and hospitals. This means when you enroll, you agree to use ONLY Anthem Blue Cross Select HMO doctors, facilities and medical groups for ALL of your medical are. You must complete the appropriate information in the online system to select a Primary Care Physician (PCP) for each covered family member in order to manage each person’s care and for referrals to specialists as needed. Primary Care specialties include Family Practice, General Practice, Pediatrics, and Internal Medicine. The PCP will only refer a patient to specialists who are members of the PCP’s Participating Medical Group (PMG). However, each family member may change to another Anthem Blue Cross Select HMO PCP or PMG in your service area. If the member requests the change between the 1st through the 15th of the month, then the change is effective 1st of the following month. If the member requests the change on the 16th through the 31st, then the change is effective the 1st of the subsequent month. Any care you receive from physicians, hospitals, facilities or medical groups not affiliated with the HMO (or that is not referred by your PCP) is not covered.

The HMO features the Anthem Blue Cross Select HMO network. Anthem is also the plan administrator. To find a network provider, visit www.anthem.com/ca. Next, “Search by Selecting a Plan or Network,” select “Medical,” select “CA,” and select “Select HMO.” You may also call Anthem member services at 800.227.3771.

Some medical groups and Individual Practice Associations (IPA) that are in the Anthem Blue Cross Select HMO are:

Rady Children’s Health Network Scripps Physicians Medical Group Sharp Community Medical Groups IPA Sharp Rees-Stealy Medical Group UCSD Medical Group

This is subject to change at any time. Please check with your provider before scheduling your appointment or receiving services to confirm he or she is participating in Anthem’s network. Please note, Scripps Clinics, Scripps Coastal, and Mercy Physicians Medical Group IPA are not members of the Select HMO network. If your current provider is part of the Mercy Physicians Medical Group IPA, please see if your provider belongs to another Select HMO medical group or enroll in another medical plan. However, most physicians affiliated with the other hospitals in San Diego County are members of a Participating Medical Group that contracts with the Select HMO network.

The HMO plan has a $100 (Individual) / $200 (Family) Annual Deductible. The deductible must be met before the coinsurance benefits apply. Benefits with a coinsurance will be subject to the deductible unless otherwise noted. Preventive care and many wellness resources are included in your coverage and are covered at 100%.

Is the HMO for you?

To help you decide, first consider location. Is the HMO convenient to where you live and/or work? Are providers available for dependents attending school out of the area? If you have a chronic condition that requires frequent medical attention, you might appreciate the HMO’s broad coverage and small copays. You may have to change doctors if your current physician is not affiliated with the HMO. Keep in mind that the HMO requires that your Primary Care Physician act as “gatekeeper” to manage your care. If you value provider choice and flexibility more than you value lower out of pocket costs, the HMO may not be the best choice for you.

YOUR HEALTH


HMO FAQS

How do I access a specialist under the HMO plan?

You must get a referral from your Primary Care Physician (PCP) to see a specialist. In addition, your PCP will only refer to you specialists who are members of the PCP’s Participating Medical Group (PMG). However, some medical groups like Sharp Rees-Stealy allow direct access to some specialties. For mental health and substance abuse treatment, you do not need a referral from your PCP. Contact Anthem directly for a referral to a therapist who has contracted with Anthem. The telephone number is 800.227.3771. It will also be on your ID card.

For chiropractic treatment, you do not need a referral form your PCP. Go to Anthem’s website for the name of participating chiropractors (www.anthem.com/ca). You may also contact Anthem members services at 800.227.3771.

Can I self refer to an OB-GYN of my choice for my annual well woman exam?

You do not need a referral from your PCP for your annual well-woman exam or for any obstetrical or gynecological care; however, the OB-GYN must be a member of the same Participating Medical Group as your PCP.

I currently see a private practice therapist for my mental health. Will I be able to continue to see this provider if I switch to the HMO?

Anthem has Transition of Care Request forms which you should submit directly to Anthem to apply for continuation of treatment with you existing therapist. The forms will be available at the Open Enrollment meetings and from Human Resources. Anthem commonly approves a temporary continuation of treatment with your existing therapist, provided the therapist agrees to accept Anthem’s normal level of reimbursement. Transition of Care is also available for completion of covered services for pregnancy, acute conditions, and terminal illnesses.

What is the prescription drug formulary?

A preferred drug list or formulary is a list of prescription medications generally covered under the pharmacy benefit plans subject to applicable limits and conditions. Anthem’s formulary includes brand name and generic drugs that have been approved by the FDA as safe and effective.

A preferred drug list or formulary helps provide access to quality, affordable prescription drug benefits. Drugs chosen for the formulary have gone through an extensive review process. The formulary selection process is structured so that there are internal and external physicians and pharmacists offering clinical input about the medications under consideration. The drugs listed on the preferred drug list either represent an important therapeutic advance, or are clinically equivalent and possibly more cost effective than other drugs not on the preferred drug list.

How do I determine under what tier copay my prescriptions will be covered?

You may look up your particular medications to see what copay will apply by going to www.anthem.com/ca/pharmacy information. Click on National Drug List 3 Tier (searchable). Either enter your medication name or search via alpha order.

The search will provide information on your particular medication. Your copay will be based on the tier your medication falls. Brand-Formulary and Non-Formulary drugs are subject to the prescription deductible before copays apply. This screen will also tell you if your particular medication requires precertification, step therapy or quantity limits. It will also provide generic alternatives if the medication is a brand name.

The following retail copays apply:


For a current version of the prescription drug list(s), please log into your Anthem online account at www.anthem.com/ca.

YOUR HEALTH


PLAN HIGHLIGHTS ANTHEM SELECT HMO

In-Network Only Annual Calendar Year Deductible Waived for office visits

Individual $100 Family $200

Maximum Calendar Year Out-of-pocket (1) Individual $2,500 Family $5,000

Lifetime Maximum Individual Unlimited

Professional Services Primary Care Physician (PCP) $30 Copay Specialist $40 Copay Preventive Care Exam No charge Well-baby Care No charge Diagnostic Lab No charge Diagnostic X-ray $40 Copay Complex Diagnostics (MRI/CT Scan) $150 Copay Therapy, including Physical, Occupational and Speech $40 Copay

Hospital Services Inpatient 10% after deductible

Outpatient Surgery Hospital: 10%, after deductible

Freestanding: $250 Copay Emergency Room $100 Copay after deductible Urgent Care $50 Copay

Maternity Care Physician Services (prenatal or postnatal) $30 Copay Hospital Services 10% after deductible

Mental Health & Substance Abuse Inpatient 10% after deductible Outpatient No charge

Prescription Drugs

Prescription Calendar Year Deductible $100/person $200/family

Retail Prescription Drugs (30-day supply) Generic $10 Copay Brand Formulary $35 Copay after Rx deductible Non-Formulary Brand $60 Copay after Rx deductible

Mail Order Prescription Drugs (90-day supply) Generic $20 Copay Brand Formulary $70 Copay after Rx deductible Non-Formulary Brand $120 Copay after Rx deductible



YOUR HEALTH


HDHP AETNA CHOICE POS II PLAN

Using the HDHP Aetna Choice POS II Plan

The HDHP Aetna Choice POS II Plan allows you to take control of your health plan and how you spend your health care dollars. The savings in premium can help offset the cost of your healthcare. While this High Deductible Health Plan (HDHP) enforces a relatively larger deductible than traditional health plans, it has a lower payroll deduction. These medical plans encourage members to closely evaluate their health care decisions and the type of care utilized. The HDHP Aetna Choice POS II Plan operates as follows:

You are financially responsible for all eligible expenses, such as doctor’s or specialist’s visits, prescriptions and lab charges, until the deductible has been met.

Regardless if you have satisfied the deductible, several types of screenings, immunizations, and other forms of in-network preventive care will be covered at 100%.

Once the deductible is met, the plan pays a large percentage of eligible expenses until the out-of-pocket maximum is reached.

Similar to a traditional PPO plan, you may use the provider of your choice, but the plan will pay more if you see in-network physicians or facilities.

After reaching the out-of-pocket maximum, covered expenses are paid at 100% for the remainder of the plan year. This can be paired with a Health Savings Account (HSA) to help pay for qualified health care expenses. The Annual Medical Deductible accrues toward the Out-of-Pocket Maximum. If you are enrolled under Employee + 1 or more Dependents, the Family Deductible must be met before the

coinsurance applies. If you enroll in an HSA, you cannot participate in the regular Health Care Flexible Spending Account (this includes

having any money in your FSA account from the previous year). Scripps Research will contribute towards your HSA with an annual amount of $1,000 for Employee Only and $3,000 for

Employee & Dependent(s). Employer contributions will be made on a quarterly basis.

Claims are administered by Aetna and the plan utilizes the Aetna Choice POS II (Aetna HealthFund) network. PayFlex will administer your HSA account through convenient payroll deductions. Please be aware that if you choose to open an HSA, you are not eligible to participate in a Health Care Flexible Spending Account.

PLEASE NOTE: J Visas are not eligible for this plan.

OPTUM RX PRESCRIPTION DRUG COVERAGE The prescription benefit for the HDHP Aetna Choice POS II Medical plan is administered through OptumRx. Under the HDHP Aetna Choice POS II Plan, prescriptions (other than preventive medications) are subject to the medical plan deductible before the copays apply. The following retail copays apply:


A preferred drug list or formulary provides access to quality, affordable prescription drug benefits. Drugs chosen for the formulary have gone through an extensive review process. The drugs listed on the preferred drug list either represent an important therapeutic advance, or are clinically equivalent and possibly more cost-effective than other drugs not on the preferred drug list. The formulary is typically updated every three months to provide a clinically appropriate list of medicines to meet participants’ needs. To determine if your brand name prescriptions are considered formulary or non-formulary and subject to the third tier copay, log onto www.optumrx.com or call OptumRx at 855.395.2022.

What if I want a brand when a generic is available?

In the event that a generic is available but the pharmacy dispenses the brand per the member’s request, the Plan Member will pay the generic copay plus the difference in cost between the brand and the generic. If a physician writes “dispense as written” or “do not substitute” on the prescription, then the applicable brand copay should apply in that instance.

For a current version of the prescription drug list(s), please log into your OptumRx online account at www.optumrx.com.



PLAN HIGHLIGHTS HDHP AETNA CHOICE POS II (HSA/HRA)

In-network Out-of-network Annual Calendar Year Deductible Family Deductible applies to all members

Employee Only $2,000 $2,000 Employee & Dependent(s) $6,000 $6,000

Maximum Calendar Year Out-of-Pocket (1) Family OOP applies to all members Employee Only $4,500 $6,750 Employee & Dependent(s) $6,750 $10,125

Lifetime Maximum Individual Unlimited Unlimited

Professional Services Primary Care Physician (PCP) 20% after deductible 40% after deductible Specialist 20% after deductible 40% after deductible Preventive Care Exam No charge Cancer Screenings Only Well-baby Care No charge Cancer Screenings Only Diagnostic X-ray and Lab 20% after deductible 40% after deductible Complex Diagnostics (MRI/CT Scan) 20% after deductible 40% after deductible Therapy, including Physical, Occupational and Speech (Physical therapy up to 39 visits per calendar year; Speech and Occupational up to combined 39 visits per calendar year)

20% after deductible 40% after deductible

Hospital Services



Outpatient Surgery 20% after deductible 40% after deductible Emergency Room 20% after deductible 20% after deductible Urgent Care 20% after deductible 40% after deductible

Maternity Care Physician Services (prenatal or postnatal) No Charge 40% after deductible Hospital Services 20% after deductible 40% after deductible

Mental Health & Substance Abuse Mental Health/Substance Abuse through OptumHealth



Outpatient 20% after deductible 40% after deductible Prescription Drugs Prescription Coverage through OptumRx Retail Prescription Drugs (30-day supply)

Generic $10 Copay

Subject to Medical Plan Deductible (except for Preventive Medications) Formulary Brand $35 Copay after deductible Non-Formulary Brand $60 Copay after deductible

Mail Order Prescription Drugs (90-day supply)

Generic $20 Copay

Subject to Medical Plan Deductible (except for Preventive Medications) Formulary Brand $70 Copay after deductible Non-Formulary Brand $120 Copay after deductible



YOUR HEALTH YOUR HEALTH YOUR HEALTH


COMPASS PROFESSIONAL HEALTH SERVICES

Compass PHS is a patient advocacy firm providing a personal concierge (a Health Pro) to Aetna HDHP plan members. Services include:

Unlimited access to a health care expert Researching generic or clinical alternative prescription options Unbiased doctor recommendations based on quality and cost Coordinating care, scheduling doctor appointments Coordinating transfer of medical records Reviewing bills and charges Resolving billing issues with Aetna, hospitals, and provider billing offices Explanation of insurance processes and Scripps Research benefit plans Comparing service costs, cost estimates

COMPASS HEALTH PRO SERVICES ARE AVAILABLE TO YOU AT NO COST

You can get in touch with Scripps Research’s dedicated Health Pro today via:

Phone: 800.513.1667

Email: [email protected]

Website: www.compassphs.com

YOUR HEALTH


HEALTH SAVINGS ACCOUNT (HSA)

What is it?

By enrolling in the Aetna HDHP Choice POS II plan, you will have access to a Health Savings Account (HSA), which provides tax advantages and can be used to pay for qualified health care expenses, such as your deductible, copayments, and other out-of-pocket expenses.

What are the benefits?

Administered by PayFlex, an HSA accumulates funds that can be used to pay current and future health care costs.

You can contribute to your HSA on a pre-tax basis, for federal tax purposes, or you can contribute on a post-tax basis and take the deduction on your tax return.

HSA funds can grow on a tax-free basis, subject to state law.(1) An HSA reduces your taxable income and may allow you to make tax-free withdrawals from the account when paying for

qualified health care expenses (tax regulations vary by state). Because you own the HSA, there are no “Use it or Lose it” provisions, so unused HSA funds roll over from year-to-year,

and can be used to reimburse future eligible out-of-pocket expenses. You may enjoy lower monthly premium payments as compared to traditional PPO medical plans. Because you own the HSA, the money in your account is yours to keep if you leave the company. Scripps Research contributes towards your HSA with an annual amount of $1,000 for Postdoctoral Associate-only

coverage, and $3,000 for Postdoctoral Associate & Dependent(s). Employer contributions will be made on a quarterly basis.

How do I qualify for an HSA?

The IRS has guidelines regarding who qualifies for an HSA. You are considered eligible if:

You are covered under a qualified medical plan. You are not enrolled in non-qualified health insurance outside of Scripps Research’s Aetna HDHP Choice POS II plan. You are not enrolled in Medicare. You are not claimed as a dependent on someone else’s tax return (excluding a spouse). You are not enrolled in a general Health Care Flexible Spending Account (Health FSA) or general Health Reimbursement

Arrangement (HRA).

How do I get started?

If you’re ready to activate your HSA through PayFlex, you can do so by:

Go to www.PayFlex.com. Click on Create Profile and enter your Member ID # (or SSN) and Zip Code. Follow the prompts to verify your Tax ID or SSN and review and accept the listed terms and conditions.

Once the HSA is activated, you can manage and access your account at any time by visiting www.PayFlex.com. If questions arise regarding account activation, contact PayFlex by calling 888.678.8242 or visit www.PayFlex.com. Consult your tax advisor for taxation information or advice.

(1) For residents of CA, AL and NJ, both contributions (and interest earnings) are considered taxable for state tax purposes. Please consult your tax advisor for taxation information or advice.



A few rules you need to know: In 2019, the maximum contribution limit for Postdoctoral Associate and employer contributions in a Postdoctoral

Associate’s HSA account is $3,500 if you are enrolled in the HSA-PPO for Postdoctoral Associate-only coverage, and $7,000 for Postdoctoral Associate with dependent coverage. You can contribute an additional $1,000 as a catch-up contribution if you are 55+ years of age.

It’s important to monitor your contributions to avoid going over the IRS limit, as contributions in excess of the IRS limit are subject to standard income tax rates, plus a 6% excise tax.

There is a 20% penalty for using HSA funds on non-qualified health care expenses if you are under age 65. For more details about what are considered qualified health care expenses, visit www.PayFlex.com.

You may not be able to contribute to your HSA if you are entitled to Medicare. However, funds accumulated before Medicare entitlement may be used to reimburse your qualified medical expenses.

You may not contribute to your HSA if you are covered under any medical benefits plan which is not an HSA-qualified high deductible medical plan (e.g., a spouse’s non-HDHP medical plan, a general purpose Health Care FSA, or Medicare). However, you may be covered by an FSA which can be used after your HDHP deductible is met.

Typically, the maximum amount a Postdoctoral Associate is eligible to contribute to an HSA per calendar year is based upon a pro-rata portion of the number of months a Postdoctoral Associate is eligible to contribute to an HSA. For example, a Postdoctoral Associate would normally be able to contribute 4/12 of the maximum annual limit in his/her first year of enrollment into the HSA plan, if the employee first joins the HSA plan on September 1. However, an employee is allowed to contribute the maximum annual amount, regardless of the number of months he/she was eligible to contribute to an HSA in the first year, if he/she is eligible to contribute to an HSA on December 1 of the first year and continues to be eligible to contribute to an HSA until December 31 of the following year (i.e., for the entire subsequent year).

How do I manage my HSA?

The most convenient way to pay for qualified expenses is to utilize the debit card You can also use your own cash or a personal credit card and reimburse yourself

through your online HSA account It is recommended that you keep receipts of HSA purchases,

should you ever be audited by the IRS View the status of your claims and check your HSA balance at

www.PayFlex.com

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YOUR HEALTH


HEALTH REIMBURSEMENT ARRANGEMENT (HRA)

What is it?

Your Health Reimbursement Arrangement (HRA) is an employer provided fund, tax advantaged health fund to help reimburse you for your eligible out-of-pocket medical expenses. Our benefits program offers an HRA fund to pay for qualified health costs, up to a specified dollar amount for those employees ineligible for Health Savings Account (HSA) contributions.

HRA Overview

Our Health Reimbursement Arrangement (HRA) is administered by PayFlex and works in conjunction with the Aetna HDHP Choice POS II medical plan, OptumRx prescription plan, and Optum Behavioral Health, which provide coverage for in-network and out-of-network services.

You can use HRA dollars for eligible health care expenses such as your deductible, copayments, and other qualitied out-of-pocket expenses until your HRA balance is depleted.

HRA Contributions

Scripps Research makes contributions to your HRA based on your coverage tier (individual or family) on a quarterly basis.

If you have individual (Postdoctoral Associate-only) coverage, the annual contribution maximum to your HRA is $1,000. If you have Postdoctoral Associate & Dependent(s) coverage, the annual contribution maximum to your HRA is $3,000. In order to qualify for the higher family HRA contribution, your dependent(s) must meet the Health Plan’s definition of

an eligible dependent and be enrolled in the Aetna HDHP Choice POS II medical plan. Your HRA fund amount is pro-rated if your coverage level (Individual or Family) changes during the plan year. Per IRS regulations, employees may not contribute to an HRA, as an HRA must be solely funded by an employer.

If you enroll after the beginning of the plan year, the annual HRA contribution is pro-rated based on the number of quarters you are enrolled in the HRA during the plan year. Your pro-rated HRA contribution will be ¼ for each quarter enrolled in the plan.

Using the HRA

HRAs encourage individuals to purchase health care more wisely, which allows your HRA fund to go further!

Your HRA can help you to offset your medical costs. If covered expenses exceed the funds available in your HRA, you will be responsible for paying any additional remaining

costs. Your employer HRA contributions are not included in your gross income, so the contributions made are offered to you

on a tax-free basis. There is no additional cost to you to participate in the HRA program. Unused dollars can roll over to next year for future medical cost reimbursement. Because the HRA is owned by Scripps Research, HRA funds are forfeited if you leave the company or terminate the HRA

plan. However, you may be eligible to continue using your HRA funds if you enroll in COBRA.

Receiving HRA Funds

PayFlex is the administrator of our Health Reimbursement Arrangement. The HRA will be set up automatically upon enrollment. You will receive a debit card to use for paying for qualified health care expenses. Once your funds are available in your account, you may register and log on at www.PayFlex.com to track your claims, check balance, or access forms.

YOUR HEALTH

How to Use Your Health Reimbursement Arrangement


DENTAL PLAN

Your Dental PPO Plan

This year, you and your eligible dependents have the opportunity to enroll in a Dental Preferred Provider Organization (PPO) plan offered by Delta Dental.

Using the Plan

The Dental PPO plan is designed to give you the freedom to receive dental care from any licensed dentist of your choice. Keep in mind, you’ll receive the highest level of benefit from the plan if you select an in-network PPO dentist versus an out-of-network dentist who has not agreed to provide services at the negotiated rate. Additionally, no claim forms are required when using in-network PPO dentists.

To view a complete plan summary, log on to your bSwift account at http://scripps.bswift.com.

PLAN HIGHLIGHTS DELTA DENTAL PPO

PPO Dentist Delta Premier

Provider All Other Providers

Calendar Year Deductible Individual

----------------------$50 / person*---------------------- Family

Annual Maximum Individual ---------------$2,000 / Calendar Year---------------

Dental Services Preventive 100%

Deductible waived 80% 80%

Basic Services 90% 80% 80% Major Services 60% 50% 50%

Orthodontia Services Child up to age 19 50% 50% 50% Adult 50% 50% 50% Lifetime Maximum ---------------$1,500 / Person / Lifetime---------------

*Deductible does not apply to Orthodontia services.

The above information is a summary only. Please refer to your Evidence of Coverage for complete details of Plan benefits, limitations and exclusions. Delta Premier Dentist and All Other Provider network charges are based off of reasonable and customary rates.

Choose your Primary Care Dentist

When using a Dental PPO plan, you can receive services from dental providers both in and out of your insurance network. However, you’ll receive better coverage when you use an in-network dentist. To determine whether your dentist is in or out of your insurance network, go to www.deltadentalins.com.

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YOUR HEALTH


VISION PLAN

Your Vision Plan

If you are enrolled in a Scripps Research medical plan (Comprehensive Choice POS II, Select HMO, or HDHP Aetna Choice POS II plans), you receive vision benefits through MESVision.

Using the Plan

As with a traditional PPO, you may take advantage of the highest level of benefit by receiving services from in-network vision providers and doctors. You would be responsible for a copayment at the time of your service. However, if you receive services from an out-of-network doctor, you pay all expenses at the time of service and submit a claim for reimbursement up to the allowed amount.

To view a complete plan summary, log on to your bSwift account at http://scripps.bswift.com. To locate an in-network vision provider, visit www.mesvision.com.

PLAN HIGHLIGHTS MES VISION PPO

In-Network Out-of-Network Copay $10 Copay / Person $10 Copay / Person Exam – Every 12 months Plan pays 100% Up to $40 allowance Lenses – Every 12 months

Single Plan pays 100% Up to $30 Bifocal Plan pays 100% Up to $50 Trifocal Plan pays 100% Up to $65

Frames – Every 24 months Plan pays 100% up to a $150 frame allowance Up to $75

Contacts – Every 12 months, in lieu of lenses & frames Medically Necessary Plan pays 100% Up to $250

Cosmetic Plan pays 100% up to $150,

plus up to $40 for a contact lens fitting fee

Up to $150 allowance, plus up to $40 for a contact lens fitting

fee


Five Tips for Superior Vision

Don’t take your eyes for granted! The following pointers can help you keep your vision strong:

Eat lots of leafy greens and dark berries. Get regular eye exams. Give your eyes a rest from staring into the computer screen. Wear sunglasses to protect your eyes from bright light. Wear safety eyewear whenever necessary.

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YOUR HEALTH


BASIC LIFE AND AD&D

Protect your loved ones

In the event of your death, Life Insurance will provide your family members or other beneficiaries with financial protection and security. Additionally, if your death is a result of an accident or if you become dismembered, your Accidental Death & Dismemberment (AD&D) coverage may apply.

Basic Life and AD&D Insurance

The benefit outlined below is provided by Prudential. Scripps Research provides you with the following for your Basic Life and Accidental Death & Dismemberment (AD&D) insurance coverage:

$50,000

IRS Regulation: Employees can receive employer paid life insurance up to $50,000 on a tax-free basis and do not have to report the payment as income. However, an amount in excess of $50,000 will trigger taxable income for the “economic value” of the coverage provided to you.

Required! Update Your Beneficiary Information in bSwift.

Beneficiaries are individuals or entities that you select to receive benefits from your policy.

Scripps Research allows beneficiary information be housed online. Scripps Research encourages you to enter your beneficiary information in the bSwift system for ease of tracking.

You can change your beneficiary designation at any time. You may designate a sole beneficiary or multiple beneficiaries to receive payment in the percent

allocated.

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LIFE AND DISABILITY


VOLUNTARY LIFE AND AD&D If you would like to supplement your employer paid insurance, additional Life and AD&D coverage for you and your dependents is available for purchase on a payroll deduction basis through Prudential.

Voluntary Life Insurance

For Postdoctoral Associates: Increments of $10,000 up to a $500,000 maximum with a guarantee issue benefit of $100,000 if you enroll in the plan upon your initial eligibility.

For your spouse: Increments of $10,000 up to a $500,000 maximum with a guarantee issue benefit of $50,000 if you enroll in the plan upon your initial eligibility.

For your child(ren): increments of $2,500, up to $10,000 with a guarantee issue benefit of $10,000

Any amounts of insurance over the guarantee issue benefit are subject to review of good health by the insurance company. Insurance amounts subject to review will not be effective until the insurance company approves.

If you do not enroll in the plan within the initial enrollment period, any amount of supplemental life insurance will require proof of good health, which is subject to approval by the insurance company before the insurance is effective. For more information regarding this plan, review the plan summary detail.

Rates and detailed plan summaries are available for download via bSwift.

Voluntary AD&D Insurance For Postdoctoral Associates: Increments of $50,000 up to a $500,000 maximum with a guarantee issue benefit of

$500,000. For spouse: Coverage amount equal to 50% of Postdoctoral Associate amount For your child(ren): Coverage amount equal to 15% of Postdoctoral Associate amount Family: Coverage amount for your spouse/domestic partner equal to 40% of Postdoctoral Associate amount. Coverage

amount for child(ren) equal to 10% of Postdoctoral Associate amount.

You are eligible for this benefit if you are under the age of 70, and work at least 20 hours per week in a benefit eligible position.

Rates and detailed plan summaries are available for download via bSwift.

LIFE AND DISABILITY


SHORT & LONG TERM DISABILITY

Added protection

Should you experience a non-work related illness or injury that prevents you from working, disability coverage acts as income replacement to protect important assets and help you continue with some level of earnings. Benefits eligibility may be based on disability for your occupation.

YOUR PLANS COVERAGE DETAILS Short Term Disability Coverage (STD) Administered by Prudential, STD coverage provides a benefit equal to

60% of your earnings, up to $1,216 per week up to 12 weeks.

The plan begins paying these benefits after you have been absent from work for 7 consecutive days.

Long Term Disability Coverage (LTD) If your disability extends beyond 90 days, the LTD coverage through Prudential can replace 60% of your earnings, up to maximum of $20,000 per month.

Your benefits may continue to be paid until you reach social security normal retirement age as long as you meet the definition of disability.

Disability Facts and Figures

One in every 7 people will become disabled for five years or more in their lifetime. 30% of people use disability coverage. Nearly half (46%) of all foreclosures are caused by financial hardship due to a disability.

Source: www.affordableinsuranceprotection.com/disability_facts

Tax considerations

Normally, disability payments made to you are taxable when the disability coverage is employer-paid benefit and is available for Postdoctoral Associates/Fellows at no cost. However, you have the option to pay taxes on your LTD benefits in order to receive non-taxable disability payments.

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LIFE AND DISABILITY


DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (DCFSA) A flexible spending account lets you use pre-tax dollars to cover eligible dependent care expenses. Dependent Care FSA allows you to reduce your taxable income when paying for eligible expenses.

FSA TYPE DETAIL

Dependent Care FSA

Can be used to pay for qualified child care and/or caregivers for a disabled family member in the household, who is unable to care for themselves.

Maximum contribution for 2019 is $5,000 ($2,500 if married and file separate tax returns).

What are the benefits?

Your taxable income is reduced and your spendable income increases! Save money while keeping you and your family healthy.

How do I use it?

You must enroll in the FSA program within 30 days of your hire date or during annual open enrollment. At this time, you must establish an annual contribution amount within the maximum limit. Once enrolled, you will have online access to view your FSA balance, check on a reimbursement status, and more. Visit www.PayFlex.com to access PayFlex’s online portal.

A few rules you need to know:

PayFlex will issue debit cards. You must earn a taxable paycheck in order to participate in the Dependent Care Spending Account. The Dependent Care Spending Account allows you to seek reimbursement for any expenses incurred during the plan

year January 1, 2019, through December 31, 2019. You have until June 30, 2020 to submit receipts for reimbursement.

The IRS has a “use it or lose it” rule that applies to FSAs. Any funds set aside but not used for eligible expenses by the dates noted above will be forfeited.

You must re-enroll each plan year if you wish to participate.

For more details about using an FSA, contact PayFlex or Benefits Administration.

WORK/LIFE


EMPLOYEE ASSISTANCE PROGRAM (EAP) Scripps Research understands that you and your family members might experience a variety of personal or work-related challenges. Through the EAP, you have access to resources, information, and counseling that are fully confidential and no cost to you.

PROGRAM COMPONENT COVERAGE DETAILS Who Can Utilize All Postdoctoral Associates, dependents of employees, and members of your

household

Topics May Include Childcare. Eldercare. Legal services. Marital, relationship or family problems. Bereavement or grief counseling. Substance abuse and recovery. Educational materials.

Number of Sessions About 10 face-to-face sessions per year per member

How to Access onsite Counseling and Psychological Services Department:

By Phone: 858.784.7297. By Email: [email protected].

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WORK/LIFE


PERKS FROM WORK For information regarding personal time off, sick days, and leaves of absence, please refer to Scripps Research’s Postdoc Policy, found at http://intranet.scripps.edu/adminguide/postdoc.html. Paid Time Off accruals will begin with your first paycheck on January 4, 2019. Your current Paid Time Off balances with Calibr will be transferred to your new Paid Personal Leave and Extended Sick Leave banks with Scripps Research.

WORK/LIFE


EVEN MORE COVERAGE OPTIONS

Critical Illness Coverage

Offered by MetLife, critical illness coverage is generally paid in the form of a one-time, lump sum payment, dependent on the illness. This will help reduce expenses associated with life-threatening diseases. Some of the covered medical conditions include:

Cancer. Heart attack. Stroke.

Kidney failure. Organ transplant.

Employees may elect either $10,000, $20,000, or $30,000 for themselves and 50% of employee’s amount for spouse and/or child(ren). Guaranteed issue will be available up to $30,000. This means you will be permitted to enroll and provided this coverage amount regardless of health status, age, gender or other factors. If you’re considering this type of coverage, you must enroll when you first become eligible or during the annual open enrollment period.

Hospital Protection

Although medical insurance may pay for a portion of hospital expenses, deductibles, copayments, and out-of-network costs; the expenses can still add up. Having Hospital Protection through MetLife may help by paying cash to you or your family to offset both medical and non-medical bills when you’re sick, injured, or on maternity leave. The cash benefits can be used to help pay for services or expenses your other medical plan might not cover, such as:

Copayments. Deductibles. Transportation expenses.

Child care. Prescriptions. Lost income.

Coverage is guaranteed issue. This means you will be permitted to enroll and provided this coverage amount regardless of health status, age, gender, or other factors. If you’re considering this type of coverage, you must enroll when you first become eligible or during the annual open enrollment period.

Accident Plan

Accidents happen when you least expect them and can include motor vehicle accidents, sports injuries, slips, falls or just every day mishaps! MetLife’s policy may pay cash to help families offset the expenses associated with accidents or injuries. Benefits may be paid for:

Emergency room and doctor visit. Follow up and physical therapy visits. Hospital admission and confinement.

Ambulance. Medical Equipment (crutches, leg braces, etc.).

If you’re considering this type of coverage, you must enroll when you first become eligible or during the annual open enrollment period.

WORK/LIFE WORK/LIFE


RETIREMENT OPTIONS

Your 403(b) Plan Option

Administered by Fidelity Investments, the 403(b) plan allows you to plan for your future by investing a portion of each paycheck. Once you become eligible, you may elect to have a percentage of your paycheck withheld and invested in your 403(b) account, subject to federal law and plan guidelines. See Human Resources to confirm eligibility.

Enrollment & Account Access To enroll in the 403(b) plan, please visit www.fidelity.com/atwork to enroll online. Check your 403(b) account balance, view/change your contributions, change your investments and more by visiting

www.fidelity.com/atwork. For login or password assistance please contact Fidelity Investments at 800.343.0860.

Additional 403(b) Information

Contribution Limits: For 2019 the IRS annual contribution limits are $19,000 for everyone under age 50 or $25,000 for anyone that is age 50 or over prior to December 31, 2019. If you have multiple employers during the year, these limits are combined for all plans that you contribute to during the year. Restrictions may apply to these limits based on plan documents and annual testing requirements.

Contribution Changes: Check with Human Resources for frequency and the process for changing your contributions. You may also stop your contribution entirely at any time. Requests to change or stop your contributions must be made through the provider website.

Employer Contributions: Check with Human Resources for current status of any employer contributions to the plan.

Loans & Hardship Withdrawals: If allowed by the plan document, please see Human Resources for information and requirements for either option.

Rollover Contributions: If you have an outside qualified retirement plan or account such as a 401(k), 403(b), 457(b) or IRA, you may be able to transfer that account into your new plan. Please contact Fidelity Investments or Human Resources for additional information.

Termination of Employment: Upon termination of employment from our organization, regardless of reason, you will be entitled to request a full distribution of your vested account balance. This may be done as a rollover to another plan or IRA. You may also request a lump-sum cash payment to yourself. Please be aware of possible taxes and penalties which may apply to any payment other than a rollover.

401(a) Plan Option

You are eligible for either the Employee Retirement Plan or Faculty and Management 401(a) Plan. Your eligibility is dependent upon your job classification. Therefore, please contact Human Resources for your current status within these plans.

More information regarding your new retirement plans with Scripps Research will be forthcoming during transition meetings which will be held in mid-November 2018.

Your Target Retirement

Are you wondering how much you should save for retirement? Learn more by accessing a free retirement planning calculator at www.fidelity.com/atwork.

Marsh & McLennan Insurance Agency LLC does not serve as advisor, broker-dealer or registered investment advisor for this plan. All of the terms and conditions of your plan are subject to applicable laws, regulations and policies. In case of a conflict between your plan document and this information, the plan documents will always govern.

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WORK/LIFE


2019 BENEFIT PREMIUMS

The monthly rates below are effective January 1, 2019 – December 31, 2019.

COVERAGE LEVEL POSTDOCTORAL CONTRIBUTION

SCRIPPS RESEARCH CONTRIBUTION

TOTAL MONTHLY PREMIUM

Comprehensive Choice POS II Plan Postdoctoral Associate Only $75 $559 $634 Postdoctoral Associate and Spouse / DP $260 $1,007 $1,267 Postdoctoral Associate and Child(ren) $200 $858 $1,058 Postdoctoral Associate and Family $390 $1,302 $1,692 Anthem Blue Cross Select HMO Plan Postdoctoral Associate Only $50 $430 $480 Postdoctoral Associate and Spouse / DP $250 $804 $1,054 Postdoctoral Associate and Child(ren) $180 $683 $863 Postdoctoral Associate and Family $390 $1,095 $1,485 HDHP Aetna Choice POS II Plan Postdoctoral Associate Only $0 $540 $540 Postdoctoral Associate and Spouse / DP $0 $1,163 $1,163 Postdoctoral Associate and Child(ren) $0 $1,014 $1,014 Postdoctoral Associate and Family $20 $1,446 $1,466

Delta Dental PPO Plan Postdoctoral Associate Only $0 $45 $45 Postdoctoral Associate and Spouse / DP $20 $69 $89 Postdoctoral Associate and Child(ren) $15 $60 $75 Postdoctoral Associate and Family $35 $84 $119

Voluntary Benefits (Critical Illness, Hospital, Accident)

Rates and elections are available in bSwift.

Voluntary Life Insurance Premiums


Voluntary Accidental Death & Dismemberment Insurance Premiums


COSTS & DIRECTORY


DIRECTORY & RESOURCES

Below, please find important contact information and resources for Scripps Research.

INFORMATION REGARDING GROUP /

POLICY # CONTACT INFORMATION Enrollment & Eligibility Human Resources: • Benefits Administration Online Enrollment Vendor: • bSwift

858.784.8487

contact HR for bSwift

support

[email protected] http://scripps.bswift.com

Medical Coverage Aetna • Comprehensive Choice POS II • HDHP Choice POS II (HSA/HRA) • OptumRx Carve-Out • Optum Behavioral Health Carve-Out • Compass Pro Health (HDHP members) Anthem Blue Cross • Select HMO

805400 805400 SRISCRIP

10730

281366

877.204.9186 877.204.9186 855.395.2022 800.888.2998 800.513.1667

800.227.3771

www.aetna.com www.aetna.com www.optumrx.com www.liveandworkwell.com www.compassphs.com www.anthem.com/ca

Voluntary Benefits Coverage MetLife • Critical Illness • Accident • Hospital

216332 216332 216332

800.GET.MET8 800.GET.MET8 800.GET.MET8

www.mybenefits.metlife.com www.mybenefits.metlife.com www.mybenefits.metlife.com

Dental Coverage Delta Dental • Dental PPO

8593

888.335.8227

www.deltadentalins.com

Vision Coverage MES Vision • Vision PPO

97-005

800.877.6372

www.mesvision.com

Life, AD&D and Disability Prudential • Basic & Supplemental Life/AD&D • Short Term Disability • Long Term Disability

00179 00179 00179

800.842.1718 800.842.1718 800.842.1718

www.prudential.com www.prudential.com www.prudential.com

Dependent Care Flexible Spending Accounts PayFlex 132012 888.678.8242 www.payflex.com HSA/HRA PayFlex 132012 888.678.8242 www.payflex.com 403(b) Retirement Plan Adviser Fidelity Investments 800.343.0860 www.fidelity.com/atwork Employee Assistance Plan Onsite Scripps Research Counseling Department 858.784.7297 [email protected] Business Travel Accident Prudential 800.842.1718 www.prudential.com

COSTS & DIRECTORY


PLAN GUIDELINES AND EVIDENCE OF COVERAGE

The benefit summaries listed on the previous pages are brief summaries only. They do not fully describe the benefits coverage for your health and welfare plans. For details on the benefits coverage, please refer to the plan’s Evidence of Coverage. The Evidence of Coverage or Summary Plan Description is the binding document between the elected health plan and the member.

A health plan physician must determine that the services and supplies are medically necessary to prevent, diagnose, or treat the members’ medical condition. These services and supplies must be provided, prescribed, authorized, or directed by the health plan’s network physician unless the member enrolls in the PPO plan where the member can use a non-network physician.

The HMO member must receive the services and supplies at a health plan facility or skilled nursing facility inside the service area except where specifically noted to the contrary in the Evidence of Coverage.

For details on the benefit and claims review and adjudication procedures for each plan, please refer to the plan’s Evidence of Coverage. If there are any discrepancies between benefits included in this summary and the Evidence of Coverage or Summary Plan Description, the Evidence of Coverage or Summary Plan Description will prevail.

REQUIRED NOTICES


Prepared by: Marsh & McLennan Insurance Agency LLC www.MarshMMA.com | CA Insurance Lic: 0H18131

Documents

Calibr Postdoctoral Associates - Scripps Research€¦ · Voluntary Options MetLife Voluntary Benefits Additional Benefits Dependent Care Flexible Spending Accounts (FSA) Health Savings