Common use of HEALTH CARE PLANS Clause in Contracts

HEALTH CARE PLANS. UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere. All of the plans are contributory for all levels of coverage. All three plans — Gold, Silver and Bronze — will pay higher benefits, and cost you less money out of pocket if you go to a physician or hospital in the UMMS Choice Network. The Gold Plan cost more out of your paycheck, and has the highest level of coverage with fewer out-of-pocket expenses at the time of service. The Silver Plan has a lower cost out of your paycheck but higher costs at the time of service. The Bronze Plan is a high-deductible option, meaning you will pay out of pocket for all of your expenses until your deductible is met. However, the premiums are lower. (Deductible does not apply to preventative care services.) Employees enrolled in the Bronze Plan also have the option of utilizing a Health Savings Account (HSA). HSAs are like personal savings accounts used specifically for health care expenses. Prescription Drug Benefits - All of the health care plans offer prescription benefits. DENTAL CARE PLAN There are two dental plans to choose from, a standard plan and an enhanced plan. Both plans are through Delta Dental and provide a variety of services up to a maximum of $1,250 for the basic plan and $2,000 for the enhanced plan per member each plan year. For some services there is a plan year deductible of $50 for individuals and $150 per family. The employee contributes toward the cost of the plan. VISION PLAN Vision plan benefits are provided through Group Vision Services (GVS). You may receive services and materials from any licensed optometrist, ophthalmologist, or dispensing optician, including those in retail locations. If you see a provider in the GVS network, you pay only copays (fixed-dollar amounts) for a vision exam and standard eyeglass lenses and get discounted pricing for other services and materials. Coverage Ends on the last day of the payroll period in which the termination/status change is effective. If you have been on a leave for a continuous 12 months, benefits will end on the last day of the payroll period in which the 12 month period is reached. Resident/Fellow Agreement

HEALTH CARE PLANS. UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere. All of the plans are contributory for all levels of coverage. All three plans — Gold, Silver and Bronze — will pay higher benefits, and cost you less money out of pocket if you go to a physician or hospital in the UMMS Choice Network. The Gold Plan cost more out of your paycheck, and has the highest level of coverage with fewer out-of-pocket expenses at the time of service. The Silver Plan has a lower cost out of your paycheck but higher costs at the time of service. The Bronze Plan is a high-deductible option, meaning you will pay out of pocket for all of your expenses until your deductible is met. However, the premiums are lower. (Deductible does not apply to preventative care services.) Employees enrolled in the Bronze Plan also have the option of utilizing a Health Savings Account (HSA). HSAs are like personal savings accounts used specifically for health care expenses. Prescription Drug Benefits - All of the health care plans offer prescription benefits. DENTAL CARE PLAN There are two dental plans to choose from, a standard plan and an enhanced plan. Both plans are through Delta Dental and provide a variety of services up to a maximum of $1,250 for the basic plan and $2,000 for the enhanced plan per member each plan year. For some services there is a plan year deductible of $50 for individuals and $150 per family. The employee contributes toward the cost of the plan. VISION PLAN Vision plan benefits are provided through Group Vision Services (GVS). You may receive services and materials from any licensed optometrist, ophthalmologist, or dispensing optician, including those in retail locations. If you see a provider in the GVS network, you pay only copays (fixed-dollar amounts) for a vision exam and standard eyeglass lenses and get discounted pricing for other services and materials. Coverage Ends on the last day of the payroll period in which the termination/status change is effective. If you have been on a leave for a continuous 12 months, benefits will end on the last day of the payroll period in which the 12 month period is reached. Resident/Fellow Agreement.

HEALTH CARE PLANS. UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere. All of the plans are contributory for all levels of coverage. All three plans — Gold, Silver and Bronze — will pay higher benefits, and cost you less money out of pocket if you go to a physician or hospital in the UMMS Choice Network. The Gold Plan cost more out of your paycheck, and has the highest level of coverage with fewer out-of-pocket expenses at the time of service. The Silver Plan has a lower cost out of your paycheck but higher costs at the time of service. The Bronze Plan is a high-deductible option, meaning you will pay out of pocket for all of your expenses until your deductible is met. However, the premiums are lower. (Deductible does not apply to preventative care services.) Employees enrolled in the Bronze Plan also have the option of utilizing a Health Savings Account (HSA). HSAs are like personal savings accounts used specifically for health care expenses. Prescription Drug Benefits - All of the health care plans offer prescription benefits. DENTAL CARE PLAN There are two dental plans to choose from, a standard plan and an enhanced plan. Both plans are through Delta Dental and provide a variety of services up to a maximum of $1,250 for the basic plan and $2,000 for the enhanced plan per member each plan year. For some services there is a plan year deductible of $50 for individuals and $150 per family. The employee contributes toward the cost of the plan. VISION PLAN Vision plan benefits are provided through Group Vision Services (GVS)EyeMed. You may receive services and materials from any licensed optometrist, ophthalmologist, or dispensing optician, including those in retail locations. If you see a provider in the GVS EyeMed network, you pay only copays (fixed-dollar amounts) for a vision exam and standard eyeglass lenses and get discounted pricing for other services and materials. Coverage Ends on the last day of the payroll period month in which the termination/termination or status change to a non-benefits eligible position is effective. If you have been on a leave for a continuous 12 months, benefits will end on the last day of the payroll period month in which the 12 12-month period is reached. Resident/Fellow Agreement.

HEALTH CARE PLANS. UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere. All of the plans are contributory for all levels of coverage. All three plans — Gold, Silver and Bronze — will pay higher benefits, and cost you less money out of pocket if you go to a physician or hospital in the UMMS Choice Network. – The Gold Plan cost more out of your paycheckhas the highest cost, and it has the highest level of coverage with fewer out-of-of- pocket expenses at the time of serviceyou use the services. – The Silver Plan has a lower cost out of your paycheck premium, but higher costs at the time of servicefor services. – The Bronze Plan is a high-deductible option, meaning you will pay out of pocket for all of your expenses until your deductible is met. However, the premiums are lower. (Deductible does not apply to preventative care services.) – Employees enrolled in the Bronze Plan also have the option of utilizing a Health Savings Account (HSA). HSAs are like personal savings accounts used specifically for health care expenses. Prescription Drug Benefits - All of the health care plans offer prescription benefits. DENTAL CARE PLAN There are two dental plans to choose from, a standard plan and an enhanced plan. Both plans are through Delta Dental and provide a variety of services up to a maximum of $1,250 for the basic plan and $2,000 for the enhanced plan per member each plan year. For some services there is a plan year deductible of $50 for individuals and $150 per family. The employee contributes toward the cost of the plan. VISION PLAN Vision plan benefits are provided through Group Vision Services (GVS). You may receive services and materials from any licensed optometrist, ophthalmologist, or dispensing optician, including those in retail locations. If you see a provider in the GVS network, you pay only copays (fixed-dollar amounts) for a vision exam and standard eyeglass lenses and get discounted pricing for other services and materials. Coverage Ends on the last day of the payroll period in which the termination/status change is effective. If you have been on a leave for a continuous 12 months, benefits will end on the last day of the payroll period in which the 12 month period is reached. Resident/Fellow Agreement.

HEALTH CARE PLANS. UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere. All of the plans are contributory for all levels of coverage. All three plans — Gold, Silver and Bronze — will pay higher benefits, and cost you less money out of pocket if you go to a physician or hospital in the UMMS Choice Network. The Gold Plan cost more out of your paycheck, and has the highest level of coverage with fewer out-of-pocket expenses at the time of service. The Silver Plan has a lower cost out of your paycheck but higher costs at the time of service. The Bronze Plan is a high-deductible option, meaning you will pay out of pocket for all of your expenses until your deductible is met. However, the premiums are lower. (Deductible does not apply to preventative care services.) Employees enrolled in the Bronze Plan also have the option of utilizing a Health Savings Account (HSA). HSAs are like personal savings accounts used specifically for health care expenses. Prescription Drug Benefits - All of the health care plans offer prescription benefits. DENTAL CARE PLAN There are two dental plans to choose from, a standard plan and an enhanced plan. Both plans are through Delta Dental and provide a variety of services up to a maximum of $1,250 for the basic plan and $2,000 for the enhanced plan per member each plan year. For some services there is a plan year deductible of $50 for individuals and $150 per family. The employee contributes toward the cost of the plan. VISION PLAN Vision plan benefits are provided through Group Vision Services (GVS). You may receive services and materials from any licensed optometrist, ophthalmologist, or dispensing optician, including those in retail locations. If you see a provider in the GVS network, you pay only copays (fixed-dollar amounts) for a vision exam and standard eyeglass lenses and get discounted pricing for other services and materials. Coverage Ends on the last day of the payroll period month in which the termination/termination or status change to a non-benefits eligible position is effective. If you have been on a leave for a continuous 12 months, benefits will end on the last day of the payroll period month in which the 12 12-month period is reached. Resident/Fellow Agreement.

HEALTH CARE PLANS. UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere. All of the plans are contributory for all levels of coverage. All three plans — Gold, Silver and Bronze — will pay higher benefits, and cost you less money out of pocket if you go to a physician or hospital in the UMMS Choice Network. – The Gold Plan cost more out of your paycheck, and has the highest level of coverage with fewer out-of-pocket expenses at the time of service. – The Silver Plan has a lower cost out of your paycheck but higher costs at the time of service. – The Bronze Plan is a high-deductible option, meaning you will pay out of pocket for all of your expenses until your deductible is met. However, the premiums are lower. (Deductible does not apply to preventative care services.) – Employees enrolled in the Bronze Plan also have the option of utilizing a Health Savings Account (HSA). HSAs are like personal savings accounts used specifically for health care expenses. Prescription Drug Benefits - All of the health care plans offer prescription benefits. DENTAL CARE PLAN There are two dental plans to choose from, a standard plan and an enhanced plan. Both plans are through Delta Dental and provide a variety of services up to a maximum of $1,250 for the basic plan and $2,000 for the enhanced plan per member each plan year. For some services there is a plan year deductible of $50 for individuals and $150 per family. The employee contributes toward the cost of the plan. VISION PLAN Vision plan benefits are provided through Group Vision Services (GVS). You may receive services and materials from any licensed optometrist, ophthalmologist, or dispensing optician, including those in retail locations. If you see a provider in the GVS network, you pay only copays (fixed-dollar amounts) for a vision exam and standard eyeglass lenses and get discounted pricing for other services and materials. Coverage Ends on the last day of the payroll period in which the termination/status change is effective. If you have been on a leave for a continuous 12 months, benefits will end on the last day of the payroll period in which the 12 month period is reached. Resident/Fellow Agreement.