BenefitMatters

Staff 2016 VISION BENEFIT ENHANCEMENTS FOR 2016

A Message from the Benefits Office We will be moving to EyeMed Vision as our vision insurance carrier

LOOKING FORWARD TO . You can receive benefits for framesand contacts/lenses in the same plan year* (with UHC it was either/or) 2016 BENEFIT ENHANCEMENT . Enjoy EyeMed’s extensive network of retail and independent service providers . Benefits are as good or better compared to the existing vision plan

Every year we attempt to emphasize our overall objective to . Slightly lower employee contributions (per paycheck premiums) employees – to offer value-added benefits, which are competitive in . For more details about the enhanced EyeMed benefit, see pages 10-11

the market, to increase the value of employees’ total rewards (total *Subject to frequency limits. rewards means salary/wages, plus all benefits). In turn, the benefits offered at Tufts Medical Center play a key role in you and your family’s health and security.

This year we are pleased to announce an enhancement to our benefits package. In 2016, EyeMed will be the voluntary vision carrier for our employees, replacing UHC. For those of you who aren’t aware of our current vision benefit offering, voluntary vision offers an opportunity for employees to purchase a policy that will allow SU MO TU WE TH FR SA for substantial savings, particularly if you wear eyeglasses and/or contacts. Some of the advantages of the EyeMed product are listed on the next page; but we believe that a better vision policy will help 1 2 3 4 5 6 7 round out our existing competitive benefit plans.

We encourage you to read the information contained in this booklet. 8 9 10 11 12 13 14 Because the decisions that you make during Open Enrollment (November 9th through November 20th) are binding for all of 2016 15 16 17 18 19 20 21 (unless you experience a qualifying event), consider your options carefully. Ask questions. We’re here to help: 22 23 24 25 26 27 28 TABLE OF CONTENTS Employee Service Center: 617-636-6352, Benefit Updates and Reminders 4 [email protected] Benefit Plan Information 5-19 29 30 PTO/Disability Plans 16-17 Retirement 20-21 Where to Go for Help 24

For enrollment instructions, see the “How to Enroll” flyer included in this mailing. 2016’s Open Enrollment will be from November 9 – November 20, 2015.

Tufts Medical Center 2 3 Benefit Matters 2016 TUFTS HEALTH PLAN STAFF PPO MINUTEMAN HEALTH

If you use Tufts Medical Center providers, you’ll receive quality care and personal service from the providers affiliated with our One Network. No Tiers. hospital. It’s convenient, follow-up care is easy and accessible, you’ll have few (if any) out-of-pocket costs, and you can take THE RESULT: SELECT PROVIDERS EQUAL advantage of our on-site pharmacy. Co-founded by Tufts Medical Center, Minuteman Health is LOWER PREMIUMS AND HIGH QUALITY CARE a non-profit, member-governed health insurance company offering a fresh and innovative approach to health care YOUR COVERAGE Tiers remain the same as in 2015: consumers. Here’s how they’re different: FIND A MINUTEMAN HEALTH They offer affordability: Creative benefit designs, competitive pricing, and their select network allow them IN-PLAN PROVIDER Tier 1: Tufts Medical Center and affiliated physicians care at these hospitals is covered at 100% after a $250 copay. to deliver value to members. When you seek medical treatment at Tufts Medical Center, You pay a $35 copay for physicians office visits and a $55 There is no coverage outside of the Network! you receive 100% coverage for inpatient services and can see copay for specialists. They work in cooperation, not competition, with health To find a provider or see the most recent list our physicians, including NEQCA and Lowell General physicians care providers: Their select network comprises top hospitals Tier 3: Academic teaching hospitals and their affiliated of Minuteman In-Plan providers, please visit and specialists, for a $15 copay. Note the copay is waived for and physicians that share their commitment to improving care physicians (not included in Tier 1) who are part of the Tufts Minuteman’s Doctor and Pharmacy Search tool. preventive care, for example routine physicals, OB/GYN exams and reducing inefficiencies. Health Plan network. You may receive treatment at the other and for well-child care. You can confirm the physician you academic teaching hospitals in the Boston area, such as Mass They stand accountable to their members: Their unique Simply: choose is a Tier 1 provider by logging on to General, Brigham & Women’s and Boston Children’s Hospital. member-governance structure gives members a voice Go to their website: www.minutemanhealth.org www.tuftshealthplan.com/tuftsmedicalcenter. . Recognizing the higher cost of these facilities, you pay a $1,500 in how their health plan is run. Click on the “Members” tab Remember, you can choose where to receive treatment each copay for each inpatient hospitalization and a $75 copay for . For more information on Minuteman Health, please visit time you need medical services. Your share of the cost will physician or specialist office visits. However, well-child care Then select “Doctor and Pharmacy Search” them at: www.minutemanhealth.org . depend on that choice. This means you are free to use local office visits will be covered at 100%. Get great health care at an affordable price with their doctors for routine care and then come to Tufts Medical Center Minuteman Health will offer Tufts MC Employees quality care Tier 4: Other facilities and providers, outside the Tufts In-Network providers. If your provider is currently if your condition becomes more serious. Remember – inpatient at an affordable cost. They use the medical management Health Plan network. You may go to providers with no out-of-network, please consider a change. services received at Tufts Medical Center are covered in full. capabilities of their carefully selected Network to lower costs. affiliation with Tufts Health Plan. For this level of coverage, you Tier 2: Community hospitals and their affiliated physicians must first meet a deductible and then pay 20% coinsurance for (not included in Tier 1) who are part of the Tufts Health your care, including physician office visits. Also, plan benefits Plan network. For some, it may not be easy to get into the are based on reasonable and customary fee levels in your THERE IS NO COVERAGE OUTSIDE OF NETWORK, SO FOR QUESTIONS ABOUT ENROLLMENT city. Tier 2 coverage includes many local community hospitals local area; you pay any charges that are considered above PLEASE USE ONE OF OUR IN-PLAN PROVIDER HOSPITALS AND THE MINUTEMAN PLAN contracted by Tufts Health Plan, such as South Shore Hospital, reasonable and customary charges. North Shore Medical Center and Winchester Hospital. Inpatient . Addison Gilbert Hospital . Morton Hospital For all inquiries call: (Lahey Health) . Nashoba Valley . Beth Israel Deaconess Medical Center 855-MHI-1776 (855-644-1776) To find information regarding providers’ tiers, go to www.tuftshealthplan.com/tuftsmedicalcenter Hospital – Plymouth . New England or email: . Beverly Hospital (Lahey Health) Sinai Hospital [email protected] . Brockton Hospital . Norwood Hospital . Carney Hospital . St. Anne’s Hospital Fax: Tufts MC is a great choice for care . Charlton Memorial Hospital . St. Elizabeth’s 413-747-2612 Medical Center Tufts MC is highly respected as an industry-leading health care provider. Because of the increasing emphasis on health . Floating Hospital for Children . St. Luke’s Hospital For more information on Minuteman Health, care consumerism, insurance companies and plan sponsors want to fill their high efficiency networks with high quality . Good Samaritan Medical Center St. Vincent Hospital please visit: care, low-cost providers, like Tufts Medical Center. We agree this is a smart move and have structured our employees’ . Heywood Hospital . www.minutemanhealth.org benefit choices to also provide the greatest cost savings when using Tufts Medical Center and members of our physicians’ . Holy Family Hospital . Tobey Hospital . Tufts Medical Center network to care for you. . Lahey Hospital and Medical (All inquiries will be answered within one business day) Center (Burlington) . Winchester Hospital But don’t just come to Tufts MC because it is cheaper in relation to the other Tiers; come here because you are proud of Lawrence General Hospital (Lahey Health) what you – as an employee – have helped to build, the history of which you have become a part, and the level of care you .

are confident you will receive. And, in addition, coming to Tufts MC for care helps to keep valuable dollars in our system. . Merrimack Valley Hospital . Metro West Medical Center – Framingham Union Hospital

Tufts Medical Center 4 5 Benefit Matters 2016 Prescriptions from Atrium 3 Pharmacy Overview of the Tufts Medical Center Employee Medical Plans

PLEASE NOTE: Not all providers on the Tufts MC Boston Campus are Tier 1 providers. Want to know which coverage tier For many reasons, Tufts Medical Center remains the high value option in health care today. One example of this is employees applies for your provider (physicians and hospitals)?Log on to www.tuftshealthplan.com/tuftsmedicalcenter to check. in the Tufts Health Plan Staff PPO or Minuteman Health EPO plans who experience the convenience and reduced cost at the TIER 1: TUFTS TIER 2: LOCAL TIER 3: ACADEMIC TIER 4: OUT-OF Atrium 3 Pharmacy. Try it today! SERVICE MEDICAL COMMUNITY TEACHING NETWORK MINUTEMAN HEALTH CENTER HOSPITALS HOSPITALS PROVIDERS $2,000 per person, Other advantages of using the Atrium 3 Pharmacy: Annual deductible N/A N/A N/A N/A SPECIALTY PRESCRIPTIONS HAVE NO COPAY $4,000 per family New for 2016 – you will pay $15 less for all brand $6,000 per person, $2,500 per person, Beginning in 2013, we made it extraordinarily affordable to fill . Annual out-of-pocket limit $4,000 per person, $8,000 per family $12,000 per family $5,000 per family specialty prescriptions at the Atrium 3 Pharmacy. In fact, to medications compared to other retail pharmacies. 20% coinsurance See prescription copays on page 6. Similar to 2015, Hospital inpatient care Covered in full $250 copay $1,500 copay $250 copay encourage the use of our Atrium 3 Pharmacy and maximize after deductible the therapeutic benefit from these complex medications, we you’ll save $10 on generic medications, compared 20% coinsurance to other retail pharmacies. See prescription copays Doctor office visits $15 copay $35 copay $75 copay $15 copay have reduced the co-pay to $0! after deductible on page 6. 20% coinsurance Examples of these scripts include: Specialist visits $15 copay $55 copay $75 copay $20 copay . Convenience – go on your lunch break! Also, the after deductible Harvoni Gilenya Atrium 3 Pharmacy now offers Saturday hours. Routine physicals and 20% coinsurance $0 copay $0 copay $75 copay $0 copay OB/GYN visits after deductible Sovaldi Rebif . Confidentiality – know that your rights as a patient 20% coinsurance are protected when purchasing your medication at Well-child care $0 copay $0 copay $0 copay $0 copay Humira Copaxone after deductible the Atrium 3 Pharmacy. Pulmozyme Avonex Emergency care: . ER $75 copay $75 copay $75 copay $75 copay $100 copay – ER Enbrel Cimzia . Doctor office $15 copay $35 copay $15 copay – Urgent Care Start saving money now! Ask your Tufts Imaging tests 20% coinsurance ... and many more! Covered in full $50 copay $75 copay $20 copay MC provider to have your prescriptions (x-rays and ultrasounds) after deductible Speak to one of our RPh’s in Atrium 3 at extension 6-5381 for Imaging tests (MRIs, CT/ 20% coinsurance filled at our Atrium 3 pharmacy, or call Covered in full $200 copay $350 copay $200 copay more info. CAT scans, PET scans) after deductible 617-636-5381 to have scripts being filled 20% coinsurance Lab tests (diagnostic) Covered in full Covered in full Covered in full Covered in full elsewhere transferred to Atrium 3. after deductible 20% coinsurance Allergy injections $15 copay $15 copay $50 copay $20 copay after deductible $20 copay Eye exams 20% coinsurance $25 copay $25 copay $25 copay Adults – 1/24 months (once every 12 months) after deductible Care Here versus Elsewhere Children – 1/12 months 20% coinsurance Employee 1 – Receiving Care Elsewhere Employee 2 – Receiving Care at Tufts MC Outpatient day surgery $15 copay $250 copay $1,500 copay $250 copay after deductible 3 office visits at a Tier III provider (other AMC): $225 3 office visits at Tufts Medical Center: $45 20% coinsurance $15 copay – Physical Physical/speech therapy $15 copay $50 copay $50 copay Inpatient stay at a Tier II provider (community hospital): $250 Inpatient stay at Tufts MC: $0 after deductible $20 copay – Speech Spinal manipulation 20% coinsurance CT scan at a Tier II provider: $200 CT scan at Tufts MC: $0 $15 copay $15 copay $15 copay $20 copay by a chiropractor after deductible Generic maintenance medication filled at CVS Generic maintenance medication filled at Mental health care/ (annual cost – $15 monthly): $180 The Atrium 3 Pharmacy (annual cost – $5 monthly): $60 substance abuse care: . Inpatient Covered in full Covered in full Covered in full 20% coinsurance $250 copay Specialty medication filled monthly at CVS Specialty medication filled monthly at after deductible Specialty Pharmacy (annual cost – $40 monthly): $600 The Atrium 3 Pharmacy (annual cost – $0 monthly): $0 . Outpatient $15 copay $15 copay $15 copay 20% coinsurance $15 copay after deductible Total Cost Out-of-Pocket: $1455 Total Cost Out-of-Pocket: $105 Prescription drugs: Retail copay (30-day supply): For all coverage tiers: For all coverage tiers: . Generic $5*/$15 $5*/$15 . Preferred brand $10*/$25 $10*/$25 Note: Your prescription must be written by a Tufts MC or Floating Hospital provider to use the Atrium 3 Pharmacy. . Non-preferred brand $25*/$40 $25*/$40 $4,000 per person, Pharmacy out-of-pocket limit $2,600 per person, $5,200 per family N/A $8,000 per family

*The lower copay amounts apply for medications prescribed by a Tufts Medical Center provider and filled at the on-site pharmacy. The higher copays apply for medications prescribed by other providers and filled at participating Caremark retail pharmacies. For mail-order prescriptions, you pay two times the higher copay amount for up to a 90-day supply.

Tufts Medical Center 6 7 Benefit Matters 2016 Managing the Health of Our Population

The Dovetail Health My Personal Health Advisor registered nurse at home or at a location of your choice. Program is a confidential, enhanced health benefit The goal is to allow you to gain a better understanding of designed for your individualized needs. The program is your chronic health conditions and medications, develop managed by Dovetail Health, an independent vendor of strategies to avoid complications with your chronic Tufts Medical Center. conditions, and to keep you well. Once you have agreed Managing your health issues can be complicated, even to participate, Dovetail Health works collaboratively with when you work in the health care industry. The Dovetail your health care providers to improve your chronic health Health nurses are experts at helping you and/or your family condition at no additional cost to you. manage your health care, giving you the tools you need to To speak with a Dovetail Health/My Personal Health live a healthier life. Advisor coordinator, or for more information, please call This unique health management program is designed 855-451-6889. to bring you the benefit of consulting with a personal

“The pharmacist was wonderful. “The nurse was generous with My mother was on 15 medications, her time and provided thorough and he identified that one drug was explanations to all sorts of counteracting another. Of all the questions. Her warmth and services we were offered, this one attention were great gifts. was the most helpful.” Pat her on the back!”

“Once I was home from the hospital, I needed help figuring out “I really appreciated the visit my post-op medications. It’s clear and follow-up. I was surprised by to me now, thanks to my face-to- Proven in more than the good service and they even Again in 2016, Tufts Medical Center will offer a Personal Health Assessment (PHA) and Biometric Screening Campaign to our face meeting with the nurse.” communicated with my cardiologist.” employees, and again will be offering a financial incentive (a preferential rate for health insurance in 2017) to complete the 30,000 patients’ lives. PHA and Biometric Screening. The (PHA) is a confidential online tool, offered through Tufts Health Plan, that helps you learn how your choices affect your health. It incorporates answers to several questions as well as your key health measures, otherwise known as Biometrics. It’s completely free and totally confidential. The PHA tool is available for all employees – even those who are not Tufts Health Plan Members. Details will be provided in early Benefits include: 2016 and the campaign will again begin in or around May. At that 360° support revolves around you. . Recognition of factors that contribute to chronic time you will be given instructions on how to take advantage Your physician, pharmacist and nurse work as a team to diseases such as heart disease, cancer, diabetes of the PHA and nurses will again be on-site to assist with the Physician provide support and personalized care. First, a pharmacist and other conditions Biometric Screenings. consults with you to make sure your medication regimen Pharmacist Nurse is working as effectively as possible. Then a nurse educator

. Interactive online health tools to help you reach your goals Take the next step to achieving a healthier provides guidance and education about your health . Members will become aware of the key drivers that lifestyle and better overall well-being by taking concerns. Throughout your care, your team will stay in YO U close communication about your progress. affect health, including the measures examined the PHA and Biometric Screening in 2016. during the Biometric Screening Hospital Health Plan Enrollment is free. Pharmacy Just call 855-451-6889 or email [email protected]

Tufts Medical Center 8 9 Benefit Matters 2016 VISION BENEFITS MADE EASY

As mentioned earlier in this booklet, we will be enhancing our benefits package by moving our voluntary vision coverage to EyeMed. Summary of Benefits Besides EyeMed’s robust network and world-class customer support, we are also pleased to offer improvements in benefits (like Service In-Network Benefits Frequency the ability to have coverage for frames and contact lenses in the same plan year) at a slightly lower cost to employees. Exam $0 Copay 12 months Vision benefits should enhance your life – not complicate it. Frame $130 allowance and 20% discount off remaining balance 24 months That’s why more than 36 million members turn to EyeMed. Lenses Curious? Check out these 5 reasons to enroll! Single $20 Copay 1. America’s biggest vision network1 – You’ll get access Bi-focal/Trifocal $20 Copay to 71,400 providers, including 44,982 independents Standard Progressives $85 Copay 12 Months 2 and 26,418 retail partners . Plus, you can visit top retail Premium Progressives (Tier1-3)* $105-$130 Copay ® ® providers such as LensCrafters , Sears Optical , Contacts* $150 allowance Target OpticalSM, JCPenney Optical® and most Pearle Extras VisionSM locations. Plus enjoy the convenience and quality care at the New England Eye Center and Standard AR Coatings $45 Tufts Medical Center Optical Shop. Premium AR Coatings (Tier 1-2) $57-$68 2. A more convenient experience – Eyemed.com and our Other lens options* $0-$15 iPhone mobile app give you on-the-go access to benefit *See detailed benefit summary (included in this Open Enrollment mailing) for complete list of benefits and discounts. details, claims, provider locations and more. And, since many providers offer extended evening and weekend hours, you can get care when it works for you. 3. Choices that will make you happy – We don’t restrict our members to limiting frame towers. Instead, you’ll get a How to use your EyeMed benefit once enrolled! 3 choice of Armani, Coach, Ray-Ban, DKNY and many more . Step 1 Step 2 Step 3 4. Amazing savings – With EyeMed, you’ll get more “bang” Register & log in Review your benefits summary Find a provider near you for your benefit buck: 40% off additional complete pairs; To access your benefit details A. Eye exams To locate a provider near you chose 20% off non-prescription sunglasses; and 15% off laser choose one of the following. B. Lenses one of the following: vision correction4. 1. Log into the member portal at C. Frames 1. Select “Locate a Provider” on 5. Answers when you need them – Our welcome kit has eyemed.com D. Lens options eyemed.com 1 At a location in our Insight network. answers to frequently asked questions, your ID card and 2 0n the Insight network. 2. Refer to your Member Brochure E. Contacts – Choose the “Insight” network more. Plus, visit eyemed.com or download the iPhone 3 All brands may not be available at all provider locations. and Welcome Packet sent to F. Non-scheduled items shown on your ID card 4 Discounts only available at participating providers. Does not apply app for handy resources and quick tips. to discount plans. your home – Enter your home address 3. Contact the Customer Care 2. Contact 1 of the 8 closest Ready to experience all the benefits of EyeMed? Enroll in an Center at: 866-939-3633 providers listed in your Member EyeMed vision plan today. Brochure and Welcome Packet 3. Contact the Customer Care Vision Policy for Tufts Health Plan Subscribers Center at: 866-939-3633 with additional questions As in years past, employees enrolled in one of Tufts Health Plan health insurance plans will enjoy a complimentary vision plan at no cost. This plan (also with EyeMed, subcontracted through Tufts Health Plan) offers an eye exam at a reduced rate and discounts for glasses and contacts. For more robust coverage, especially if you have a need for glasses/contacts, see the buy-up policy above: Additional discounts to compliment the benefits above!

SERVICE TUFTS HEALTH PLAN Eye exam (every 12 months) Copay: $25 40% OFF 20% OFF 20% OFF Eyeglass lenses (single vision, bifocal, trifocal; every 12 months) Discounts available Complete pair of prescription eyeglasses Non-prescription sunglasses Remaining balance beyond plan coverage Eyeglass frames (every 24 months) 35% discount off retail prices Contact lenses (in lieu of eyeglasses; every 12 months) Mail order contact lens replacement program only $20 offor $50 off $200 or more Premium non-prescription sunglasses at Sunglass Hut

Tufts Medical Center These discounts are not insured benefits and are for in-network providers only. 10 11 Benefit Matters 2016 Newly Eligible Employees in 2016

To enroll for benefits, complete the enrollment form included in your new hire materials (or available from the Employee Service Center) indicating your choices for coverage and your beneficiary designations for life and AD&D insurance. Sign and return the form to the Employee Service Center within 30 days of your date of hire. If you don’t enroll within 30 days, you will have to wait until the next Open Enrollment period to enroll in benefits at Tufts Medical Center unless you have a qualifying change in status as described below and on the back of your enrollment form. DENTAL PLAN

To encourage regular care, we offer a dental plan through Our Dental Plan covers preventive and diagnostic care, and You may enroll in the Silver Dollars Program only during Delta Dental of Massachusetts: DeltaPreferred Option USA. basic and major restorative services. There is no coverage the annual enrollment period for the next plan year. The DeltaPreferred Option USA Plan combines two of Delta for orthodontia. Before you seek dental care, ask your Dental’s national dental networks: DeltaPreferred Option dentist if he or she participates with the DeltaPreferred To enroll or make changes in the Retirement Savings Plan (RSP-403(b)), contact Fidelity Investments at network, with more than 42,000 participating dentists and Option network or the DeltaPremier network. You may How to Enroll DeltaPremier network, with more than 108,000 dentists. also log on to www.deltamass.com and click on the Find a 800-343-0860 or www.fidelity.com/atwork. Changes can You may use a dentist in either network and receive the Dentist section or call Delta Dental’s Customer Service at be made at any time to your Fidelity 403(b) benefit, not just CURRENT EMPLOYEES NEW HIRES DURING THE YEAR benefit of discounted fees. However, you will receive the 800-872-0500 to check. Our Dental Plan includes a special during Open Enrollment. Annual enrollment for Enroll within 30 days of your greatest value when you visit a DeltaPreferred Option feature: Rollover Max. With Rollover Max, a portion of your benefits that take effect on date of hire for coverage to dentist, as they generally have agreed to deeper discounts $1,500 annual benefit maximum that you do not use during Making Changes During the Year* January 1, 2016: take effect on the first day of for their services. (Our Dental Plan also offers coverage for a plan year may be rolled over to the next year. This rollover Your benefit elections will remain in effect through December 31, Monday, November 9 to the month coincident with or services received from non-participating dentists, but your money is then added to your next year’s annual benefit 2016 unless you have a qualifying change in status during the Friday, November 20, 2015. following your date of hire. out-of-pocket costs may be much higher, and you may need maximum, making increased dental benefits available year, as defined by the Internal Revenue Service (IRS). Generally, to submit claim forms to receive your plan benefits.) to you. This can help with the cost of major and more a qualified status change includes marriage or divorce, birth or To enroll, log on to the Tufts expensive dental services, such as crowns and bridges (but adoption of a child, death of a dependent, a change in your or Medical Center intranet To enroll, complete the Overview of Dental Plan Covered Services not orthodontia). Here are the highlights. your spouse’s employment status, or a change in your spouse’s homepage to access the enrollment form included benefits enrollment through his or her employer. ONLINE enrollment system with your new hire materials. COVERED SERVICES DELTA DENTAL PLAN . If your yearly claims are $700 or less, you could roll over (see “How to Enroll” flyer). up to $500 to use in the next year or beyond, up to an When you have a change in status, you may make a Preventive/Diagnostic overall capped rollover amount of $1,250. corresponding change in your coverage consistent with the Make sure your enrollment Care to prevent or detect 100% coverage status event. For example, for medical and dental coverage is completed by November Make sure your enrollment is tooth decay and other To qualify, you must have at least one cleaning or oral . you may change from single to family coverage or vice versa, 20. Upon completing the complete within 30 days of forms of oral disease exam in a calendar year, and you must be enrolled before or drop or add coverage. You may not, however, change enrollment, please print the your hire date. the 4th quarter of a year. Basic Restorative Services plans. If you have a change in status and wish to change your confirmation for your records. to repair or remove teeth 80% coverage . If you leave Tufts Medical Center, you will lose your coverage, you must report it to the Employee Service Center PLAN DEDUCTIONS: The last pay period deductions for 2015 or treat oral disease rollover amount. within 30 days of the status change. If you do not report the benefits will be in the December 24th paycheck. Deductions for change within 30 days, you must wait until the next annual Major Restorative Services . For information about your rollover amount, contact 2016 benefits will begin with the first paycheck of the new year: enrollment period to change your coverage. to replace missing natural Delta Dental at 800-872-0500. January 8, 2016. Refer to the Rate Sheet on pages 22 and 23. teeth with artificial ones 50% coverage and restore severely Employee contributions for Delta Dental coverage will decayed or fractured teeth not be increasing and are the same as in 2015. $1,500 per person, Maximum Benefit per calendar year Refer to the Contribution Rate Sheet on pages 22 and 23 for *This does not apply to the Silver Dollars Program, which does not allow changes during the year. 2016 Dental Plan costs.

Tufts Medical Center 12 13 Benefit Matters 2016 FLEXIBLE SPENDING ACCOUNTS

Dependent Care FSA: You may elect to contribute to Dependent care expenses typically not reimbursable this account, on a pre-tax basis, to help pay for eligible include housekeeping, food, clothing, transportation, child and elder care services incurred so you (or you overnight camps, educational programs and education for and your spouse, if you are married) can work. You may children in kindergarten or higher. contribute from $250 up to $5,000 per calendar year if Under IRS regulations, you must file reimbursement you are married and file a joint income tax return, or if you requests by March 31 of the next plan year. You must are single and file as head of household; up to $2,500 per have incurred the expenses during the calendar year calendar year if you are married and file a separate income in which the account was in effect. You forfeit all funds tax return. remaining in the account after March 31. Eligible dependent care expenses include fees for babysitting services during working hours, nursery school, Dependent Care Tax Considerations: Before you sign up licensed daycare centers, summer day camps and in-home for the Dependent Care FSA, be sure to look at the federal care for a dependent who is not capable of self-care. To dependent tax credit. This credit covers the same expenses qualify for reimbursement under the dependent care that qualify for reimbursement through the Dependent account, the expense must be for the care of a dependent: Care FSA. You may use both the Dependent Care FSA and . Who is under the age of 13 and can be claimed as a federal child care tax credit to pay for your dependent care dependent on your federal tax return, or expenses. However, the IRS will deduct any amount you deposit to the dependent care account from the maximum Who lives in your house at least one-half of the year, is . you are allowed to take as a tax credit. You may want to fully dependent upon you, and is claimed as a dependent Flexible Spending Accounts (FSAs) give you the opportunity For information on the debit card program and access to consult a tax specialist for more information. to set aside a portion of your salary before taxes to pay for tools that can help you calculate your estimated expenses on your federal tax return. If expenses for this dependent certain health (medical, dental, prescription and vision) and/or and potential tax savings, go to www.crosbybenefits.com. are incurred outside your home, then the expenses are dependent day care expenses. These accounts help you reduce You can also link to complete lists of expenses eligible for qualified only if this dependent regularly spends at least your costs for health expenses not covered by your benefit reimbursement under both accounts. 8 hours a day in your home. REMINDER: Due to IRS regulations, new Medical and Dependent plans, and the cost of child or elder care services for your Due to the tax advantages offered by FSAs, there is a use-it-or- Care Flexible Spending Account (FSA) elections must be made eligible dependents. lose-it rule which requires any money left in an account at the every year. Medical FSA: You may elect to contribute from $250 up to end of a year to be forfeited. Don’t let the use-it-or-lose-it rule $2,500 per calendar year, on a pre-tax basis, to help pay for stop you from enrolling in a Medical FSA. Here’s why: eligible health care expenses for you and your family. . If you have a balance in your account at the end of the year, Eligible expenses include (but are not limited to) deductibles, you can purchase that extra pair of glasses or prescription copays, coinsurance, doctor-prescribed weight loss and sunglasses. Empowering You to Save

smoking cessation programs, medical equipment, eyeglasses 1 You can use expenses incurred during the first 2 ⁄2 months EMPLOYEE A – NO FSA EMPLOYEE B – FSA ($2,000) and other out-of-pocket health care expenses that are . of the next year to use up your account balance from the deductible for federal income tax purposes.* $50,000 Annual Salary $50,000 Annual Salary previous year. -$12,500 Taxes (25%) -$2,000 FSA Contribution If you elect to contribute to a Medical FSA, you will be able to You must submit claims incurred during a plan year (including take advantage of a debit card. Just show it to your providers 1 $37,500 $48,000 the 2 ⁄2 month grace period noted above) (physicians, facilities and pharmacies) and they can receive by March 31 of the next plan year. -$2,000 Medical Expense -$12,000 Taxes (25%) direct reimbursement from your account. It’s as easy as that

and, in most cases, you will no longer have to submit receipts. $35,500 – DISPOSABLE INCOME $36,000 – DISPOSABLE INCOME Have a question about your benefits? Call the *Please keep in mind that over-the-counter medication is generally not Employee Service Center at 617-636-6352. reimbursable through your FSA unless prescribed by a doctor. A SIZABLE $500 DIFFERENCE! YOU CAN TAKE THAT TO THE BANK.

Tufts Medical Center 14 15 Benefit Matters 2016 PAID TIME OFF SHORT-TERM AND LONG-TERM DISABILITY

As a reminder, in 2015 we migrated from a separate vacation, sick and personal time accrual to a Paid Time Off (PTO) bank, which is one combined, comprehensive time-off bank. PTO is to be used for vacation, incidental sick occurrences, Tufts MC offers employer-paid short-term disability (STD). If you intermittent leaves and personal needs (previously personal time). are scheduled to work at least 20 hours per week (.5 FTE), you will be PTO Accrual Rates (Full-Time Employees)* eligible for STD at no cost. The income replacement benefit is 60%. The benefit will begin on the 15th calendar day following the start of Non-Management/Management up to grade 12 Management, grade 13 or above your disability, following a 14 day waiting period, with transition to long-term disability after 180 days. 1-10 years of service 4 weeks per year, 160 hours max 1-19 years of service 5 weeks per year, 200 hours max You will be responsible for electing and paying for long-term disability during Open Enrollment, and will have benefit options of 50% or 65% 11-19 years of service 5 weeks per year, 200 hours max 20+ years of service 6 weeks per year, 240 hours max income replacement. 20+ years of service 6 weeks per year, 240 hours max

* Prorated for part time individuals, please see PTO Policy for more complete breakout of PTO accrual rates. PLEASE NOTE: If you do not have long-term disability (LTD) Note: PTO accrued on paid hours (max 80), not scheduled hours in 2015 and fail to elect it during Open Enrollment, no LTD coverage will be available for you in 2016. In other words, it does roll forward (as with most benefits plans), but must be elected at some point. Keep in mind there is a cost Things to Remember associated with LTD coverage.

Legacy Sick Time: You can use your frozen, otherwise known as legacy, sick bank when Policies: All attendance you have applied and been approved for a continuous medical leave. policies and departmental No Accruals Beyond Max: If you reach call-off procedures remain your PTO limit (above), you will not in force. accrue more PTO time until you bring down your balance below the maximum. Other resources: . Contact the Employee Service Center, via phone 6-6352 or via email at: [email protected] PTO Cashouts: At Open Enrollment, . Intranet resources elect 1 or ½ week PTO cashouts to be paid out Year End: Beginning in 2015, in April and October 2016. You must have at – Employee Self Service: the end of the year is no longer least one week in your PTO bank to receive any https://lawpa.c12c.netaspx.com/lawson/portal/ significant (like it was at the end cashout. PTO Cashouts must be newly elected • Check leave balances of 2014). You will always accrue your every open enrollment (if desired) for the per-pay period PTO accrual until following year. They do not roll over. – Human Resources main intranet page: http://intra/hr/ you hit your maximum. You will not Please note: After December 31, 2015, cashouts elected • Brainshark presentation lose PTO at year end. Your balance for 2016 cannot be rescinded or changed. at year end will be your starting – Human Resources Policy Library: balance on January 1, 2016. http://neintra/hr/nemchr/default1.asp

Tufts Medical Center 16 17 Benefit Matters 2016 LIFE AND AD&D INSURANCE Basic Life Insurance: Your beneficiary would receive your annual salary, fully paid by Tufts Medical Center. Supplemental Life Insurance: You may purchase an additional one to five times your annual salary. The maximum amount of Basic and Supplemental Life Insurance combined is $1,500,000. Spouse and Dependent Life Insurance: You may elect coverage for your spouse ($10,000); dependent children ($5,000 per child); or both ($10,000 spouse; $5,000 per child). AD&D (Accidental Death & Dismemberment): You may elect from one to three times your annual salary, up to a maximum benefit of $1,000,000. AD&D pays a benefit if you die or suffer certain injuries as a result of an accident. Note: Refer to the Contribution Rate Sheet on pages 22 and 23 for the 2016 cost of STD coverage, additional LTD coverage, Supplemental, Spouse and Dependent Life Insurance, and AD&D. FOR YOUR FINANCIAL SECURITY OTHER PROGRAMS

Employee Assistance Plan (EAP): The EAP offers Wang YMCA: Special Tufts Medical Center pricing for access REMINDERS ON EVIDENCE OF INSURABILITY short-term counseling to you and your family for problems to convenient fitness. Call 617-426-2237. such as stress, a death in the family, divorce, substance abuse, FOR DEPENDENT MEDICAL FOR LIFE AND DISABILITY PLANS Weight and Wellness Center: The WWC is pleased to again financial concerns and so much more! It’s confidential and offer access to its Meal Replacement and Weekly Group Eligibility. You are eligible to participate in the Tufts Medical . When you are first eligible, if your combined available 24 hours a day, 7 days a week. Call 800-648-9557 Support. If you have Tufts Health Plan insurance, meals Center Benefits Program if you are a regular employee scheduled Basic and Supplemental Life Insurance equals to take advantage of this great benefit. to work 20 or more hours per week. $500,000 or more, evidence of insurability will are discounted and the program cost can be free! Contact be required before coverage above $500,000 You Decide Discount Program: All Tufts MC employees 617-636-8726 for program details or how to enroll. Your eligible dependents for medical, takes effect. are eligible to receive discounts on home/auto insurance, Employee Activities Committee Discounts: The EAC Desk is dental and vision coverage include: home shopping items, event tickets, services and so much . At a later annual enrollment, if you increase open on Fridays from 12 noon – 2 p.m. (Farnsworth, first floor). Your legal spouse more. Access is easy, just go online to (password TUFTS244): . your life insurance amount by more than one It is a great place to find discounts on movie tickets, the New http://www.youdecide.com/pfs/company/members/ . Dependent children, married or unmarried, up to age 26, whether salary level (or if coverage exceeds $500,000), England Aquarium, and a host other entertainment options. index.html. or not they are eligible for their own employer-sponsored evidence of insurability will be required before And more: Tuition Reimbursement, HIV Occupational coverage. the new coverage amount takes effect. Bright Horizons Child Care Services: Enroll your child in the Insurance, subsidized MBTA or parking expenses, direct most convenient day care center in town – Bright Horizons at FOR DEPENDENT LIFE deposit of your paycheck and an on-site Credit Union! 185 Harrison Avenue! Call 617-636-9504 for Call Employee Service Center at 617-636-6352. . Any unmarried dependent children under the age of 19. tour or more information. . Unmarried full-time student dependents to age 23. Please note: It is the responsibility of the employee not to enroll those dependents over the age of 23. FOR YOUR CONVENIENCE – IMPORTANT NOTICE: You can enroll via any web-enabled computer. To login, go to Coverage may extend beyond age 19, 23 or 26 for children with https://www.tuftsmedicalcenter.org/Employee-Tools.aspx, or go to the Tufts Medical Center homepage and click mental or physical disabilities; contact the Employee Service “Employee Tools” in the bottom right corner of the page (login instructions can be found in the enclosed “Enroll Now” flyer). Center for details.

Tufts Medical Center 18 19 Benefit Matters 2016 TOOLS AND RESOURCES FOR A FOR YOUR RETIREMENT HEALTHIER RETIREMENT

RETIREMENT SAVINGS PLAN (RSP-403(b)) ROTH IRA I WANT TO: Help me: The tool I need is: This plan gives you the opportunity to save money for retirement on a tax-deferred Starting in 2015, Tufts Medical Center Decide what financial goal I should save for first Savings Planner basis, through regular payroll deductions. You can contribute up to 75% of your began offering a new Roth contribution Create a plan for saving annual salary (up to annual IRS limits), pre-tax. After one year (1,000 hours) of Create a budget and determine my monthly surplus or deficit Budget Snapshot provision in your existing 403(b) and managing my debt service, for eligible participants, Tufts Medical Center will match 100% of retirement savings plan. With the addition Get an overview of my Fidelity and non-Fidelity accounts Full View® the first 2% you contribute to the plan.* You can invest your savings and the of this new Roth 403(b) feature, you will hospital match among a broad range of investment options. have another choice on how to save for See how increasing my contributions may help my money grow over time Contribution Calculator Determine where and Other plan features include: your retirement. Roth 403(b) contributions Learn about the differences between Roth 403(b)s and traditional 403(b)s Roth Modeler and withdrawals are taxed differently than how much to save You are always 100% vested in your contributions and the Tufts Medical . your current pre-tax plan contributions. Find out how my paycheck might change if I contribute more to my 403(b) Take-Home-Pay Calculator Center match. Make sure I’m saving See how my savings translate into monthly income in retirement, and get For more information on the benefits of Income Simulator . You may change your contributions and investment choices any time enough for retirement personalized and actionable next steps to help improve my outlook by calling Fidelity at 800-343-0860. Roth 403(b), go to the Retirement intranet page at http://intra/hr/default_ Create an income plan to help ensure I don’t outlive my savings Retirement Income Planner Plan for my savings . Eligible participants may apply for loans, withdrawals in cases of financial retirement_new.asp. goals Fidelity Income Strategy hardship or “in-service” withdrawals after attaining age 59½. Build a portfolio of income-producing investments ® You should consult with your tax or Evaluator When you terminate employment from Tufts Medical Center, you may leave . financial advisor to determine if Roth your account balance in the plan and continue to manage your account; elect To utilize these resources go to https://www.fidelity.com/calculators-tools/retirement/overview. contributions are appropriate for you. a direct rollover into another eligible retirement plan; or elect a lump sum You may also contact a Fidelity Retirement payment (subject to income taxes). Specialist for more information at IF YOU ARE… All plan transactions are subject to the terms and conditions of the plan document 800-343-0860, Monday through Friday 8:00 a.m. to midnight ET. Utilize the Portfolio Review tool online at https://www.fidelity.com/calculators-tools/retirement/overview. and Employee Retirement Income Security Act (ERISA). “DO IT MYSELF” Investor Stay on track by creating an investment strategy that’s aligned with your goals. *Students, residents, interns, fellows, temporary and per diem employees and members of the Participant

Contribution Plan (PCP) and the Defined Benefit (DB) Plan (plans closed to new members) may join the ® RSP-403(b) but are not eligible for the hospital match. If you’re not sure how to invest for retirement, J.P. Morgan Smart Retirement Funds can help make it simple. Smart Funds, a lifecycle fund, address key investing principles for you – so you don’t need to be an expert. Simply choose Tools to help guide you toward financial success “DO IT MYSELF” Investor the Smart Fund with the name that most closely matches the year in which you expect to retire – for example, the J.P. Morgan Smart Retirement® 2040 Fund if you plan to retire in or around 2040. Each fund invests in a different Whether you are just getting started, preparing to retire, or somewhere in between, Fidelity offers a number of convenient Using an age based strategy proportion of stocks, bonds, and short-term investments across multiple asset classes and investment styles. A team educational tools to help guide you to your next step. These resources can help simplify the planning process so you can of J.P. Morgan professionals makes ongoing decisions and adjustments to each fund’s mix of investments, so you focus on reaching your goals. don’t have to wonder when to reallocate or rebalance. Most of these tools are easily accessible to you on the home page of your Fidelity NetBenefits® Web site via www.fidelity. “DO IT MYSELF” Investor com/atwork. If you don’t find an icon for a particular tool on the NetBenefits home page, you’ll find a link to it within the To make an appointment with an on-site advisor, go to the Tufts MC Human Resources Retirement intranet page at NetBenefits® Library. With help from a Workplace Planning and http://intra.nemc.org/hr/default_retirement_new.asp. Guidance Consultant

SILVER DOLLARS PROGRAM – A RETIREE MEDICAL SAVINGS ACCOUNT PROGRAM If you lack the time or skill to manage your retirement plan investment strategy, Portfolio Advisory Services at Work For employees age 50 and older: (PASW) might be right for you. PASW provides the opportunity for you to have Fidelity’s investment professionals During any annual enrollment period only, you may . You will be 100% vested in the Tufts Medical NOTE: actively manage your portfolio. That means they monitor and rebalance your portfolio for you, as needed. PASW is ideal for the participant who just wants someone else to manage their portfolio. With an initial information intake enroll for the first time or change your contributions. Center contributions after five years of Your only “DO IT FOR ME” Investor You may end your participation any time. Here are employment and attainment of age 55 or older. and an annual re-assessment, Fidelity will get to know you and your goals and your asset allocation will be selected opportunity accordingly. A team of dedicated Guidance Professionals is just a phone call away. They are available to answer any some highlights of the Silver Dollars Program: When you retire or terminate employment, your . to enroll in this questions you may have. Call 866-811-6041 to look further into having Fidelity manage your portfolio. Or visit Fidelity. . This program helps you set aside money now to contributions and your vested Tufts Medical program will com/actively managed for detailed information. help pay for medical expenses Center contributions will be available for in retirement. reimbursement of future medical expenses, be during Open . You may contribute from $520 up to $4,500 per subject to the program’s claims procedures. Enrollment. Please note, the IRS limits on deferrals for 2015 are $18,000 ($24,000 for those over 50). There is still time left in 2015 year, after-tax. All plan transactions are subject to the terms and if you’d like to contribute more to reach your retirement goals. . Tufts Medical Center will match 20% of the first conditions of the plan document and ERISA. $2,000 you contribute each year, or $400, up to an overall lifetime match of $6,000.

Tufts Medical Center 20 21 Benefit Matters 2016 Contribution Rate Sheet January 1, 2016 through December 31, 2016 for Tufts Medical Center Employees who completed Biometric Staff Members Screening and Personal Health Assessment before September 30, 2015 will pay $10 less per check for health insurance in 2016. Medical, Dental and Vision Coverage: Biweekly Rates Full-Time (30 to 40 hours per week) Long-Term Disability: Biweekly Rates Flexible Spending Accounts: Contribution Amounts for INDIVIDUAL INDIVIDUAL BIWEEKLY RATE INDIVIDUAL INDIVIDUAL PLAN INDIVIDUAL + 2 OR MORE + SPOUSE AND COVERAGE PER $1,000 OF CALCULATION* Full- and Part-Time Employees + 1 CHILD + SPOUSE CHILDREN CHILD(REN) MONTHLY SALARY from $9.62 to $96.15 biweekly Medical FSA Medical Plan – for Employees Annual Salary ($250 to $2,500 per year) $61.57 $118.13 $131.98 $221.80 $235.65 earning less than $75,000* 50% benefit $0.98 (limit $158,400) Dependent from $9.62 to $192.31 biweekly ÷ 12 ÷ 1000 × $0.98 Medical Plan – for Employees Care FSA ($250 to $5,000 per year) $61.57 $118.13 $145.82 $221.80 $249.49 earning $75,000 or more* Annual Salary 65% benefit $1.89 (limit $147,692) Minuteman Health $41.54 $83.08 $96.92 $159.20 $173.04 ÷ 12 ÷ 1000 × $1.87 Delta Dental $19.53 $38.38 $38.38 $58.92 $58.92 Silver Dollars *Plan limits apply. Those earning over the salary limits are still eligible EyeMed Vision $2.22 $4.43 $4.43 $6.65 $6.65 for benefits, however only on the specified covered salary. See plan Retiree Medical Savings from $20.00 to details or contact the Employee Service Center (6-6352) for details. Plan for employees age $173.08 biweekly *Base pay only. Premium pay, overtime, differentials, etc. are not factored in earnings for purposes of determining medical plan contributions. 50 and older in 2016* ($520 to $4,500 per year) Supplemental HIV Occupational Insurance: Part-Time (20 to 29.9 hours per week) *You may enroll for the Silver Dollars Program only during Biweekly Rate for Full- and Part-Time Employees Open Enrollment. INDIVIDUAL INDIVIDUAL INDIVIDUAL INDIVIDUAL PLAN INDIVIDUAL + 2 OR MORE + SPOUSE AND + 1 CHILD + SPOUSE COVERAGE BIWEEKLY RATE CHILDREN CHILD(REN) $100,000 Hospital paid Medical Plan $141.56 $283.11 $283.11 $542.53 $542.53 Additional $50,000 $1.15 Minuteman Health $121.61 $243.23 $243.23 $466.09 $466.09 Additional $100,000 $2.30 Delta Dental $19.53 $38.38 $38.38 $58.92 $58.92 Additional $150,000 $3.45 EyeMed Vision $2.22 $4.43 $4.43 $6.65 $6.65 Additional $200,000 $4.60 Supplemental Life Insurance: Spouse & Dependent Life Insurance: Additional $250,000 $5.75 Biweekly Rates for Full-Time Employees Biweekly Rates for Full-Time Employees BIWEEKLY RATE PER YOUR AGE COVERAGE BIWEEKLY RATE $1,000 OF COVERAGE Spouse only Under age 30 $0.023 $0.806 ($10,000) Age 30 – 34 $0.032 Dependents only $0.222 Age 35 – 39 $0.042 ($5,000 per child) Age 40 – 44 $0.046 Spouse & dependents $1.043 ($10,000 spouse; $5,000 per child) Age 45 – 49 $0.069 Age 50 – 54 $0.106 Age 55 – 59 $0.198 Age 60 – 64 $0.305 AD&D: Biweekly Rate for Full-Time Employees Age 65 – 69 $0.586 Age 70 and older $0.951 Per $1,000 of coverage $0.007

Tufts Medical Center 22 23 Benefit Matters 2016 WHERE TO GO FOR HELP If you have questions or need more information, please contact any of our plan providers at the following numbers and/or web sites or call the Employee Service Center:

800-462-0224 www.tuftshealthplan.com Tufts Health Plan www.tuftshealthplan.com/tuftsmedicalcenter to find out the coverage tier for your provider

Minuteman Health 855-MHI-1776 (855-644-1776) or email [email protected]

Caremark (prescription drug coverage) 800-386-9404 www.caremark.com

Delta Dental of Massachusetts 800-872-0500 www.deltamass.com

EyeMed Vision Plan 866-800-5457 www.eyemed.com

Flexible Spending Accounts and 800-462-2235 www.crosbybenefits.com Tuition Reimbursement

Silver Dollars Program 603-232-8078 Benefit Strategies

Life Insurance; Disability (STD and LTD); 617-636-6352 Tufts Medical Center Employee Service Center HIV Occupational Insurance

Retirement Savings Plan (RSP-403(b)) 800-343-0860 www.fidelity.com/atwork Fidelity Investments

Employee Assistance Program 800-648-9557 www.kgreer.com

Tufts Medical Center 617-636-6352 or email [email protected] Employee Service Center

For more information regarding Tufts Medical Center Benefits, go to the Tufts MC Human Resources intranet page. In the HR Pages section there are pages for “Benefits” and “Retirement”. You can find plan documents (complete descriptions of what is covered in each of the plans), plan pricing, contact information and so much more.

We want to assure every patient and employee that your health information is protected. It’s important all employees who are patients—and those who want to be patients—feel comfortable sharing sensitive health information without fearing someone will snoop in your records. This fear was cited as one of the top three areas for improvement in an employee survey last year about getting health care at Tufts MC and Floating Hospital. To help increase privacy compliance and to enhance our culture of privacy and security, our Compliance and Privacy Department now uses a monitoring solution called FairWarning® to reassure all patients, including employees, that health information is protected. Your trust and confidence in seeking care in our facilities helps keep benefits costs down, keeping more dollars in your paycheck. Please call the Privacy Officer at ext. 6-7299 with questions or for more information about FairWarning.

Enroll for your Tufts Medical Center benefits by the deadline: November 20, 2015. Enroll online! Click on the link on the Tufts Medical Center intranet homepage.

This is a summary only. Official plan documents govern plan provisions and payment of plan benefits. Tufts Medical Center reserves the right to amend, change or terminate its benefit plans at any time, in its sole discretion, subject to the terms of any collective bargaining agreement. The Patient Protection and Affordable Care Act (PPACA) requires that employers provide a health benefit plan summary, called the Summary of Benefits Coverage (“SBC”), to all benefits-eligible employees. This summary will be posted on our HR intranet. It is important to keep in mind that the wording and layout of this document are pre-prescribed by law, so we were not able to modify it in any way. The SBC does not replace our summary plan descriptions or the summary of benefits included in this Open Enrollment guide. Instead, it is a secondary representation of some of the same coverage information, in compliance with federal requirements.

IMPORTANT NOTICE: It is mandatory that essentially all individuals in the US have health insurance. If you choose not to enroll in Tufts Medical Center’s employer-sponsored health plan (or are ineligible), go to the Human Resources intranet homepage and click on “Benefits.” There you will find information on how to enroll in the federally mandated exchanges. For additional information got to www.healthcare.gov.

Tufts Medical Center 24 Benefit Matters 2016