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2019 Employee Benefits Handbook

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2019 Employee Benefits Handbook 2019 Employee Benefits Handbook Attention! Taking care of yourself – body, mind and spirit – leads to INCREASED AWESOMENESS. 1-877-MyTHRLink (1-877-698-4754) MyTHR.org i About This Employee Benefits Handbook Texas Health Resources is committed continued employment, or benefits This Handbook is also available to providing employees with a choice of any kind. on the Texas Health employee of comprehensive, affordable, and • There are no guarantees that the portal MyTHR.org and on competitive benefits. Your benefits right to participate in benefits BeHealthyTHR.org. are an important part of your Total under the plans for employees or If you have questions concerning Rewards from Texas Health. And, other covered persons will exist or your benefits that are not answered as part of your total compensation, remain unchanged. in this Employee Benefits Handbook, Texas Health pays a substantial • Texas Health intends to continue please contact Human Resources. portion of the benefit costs for the plans indefinitely but reserves eligible employees and their families. the right to change them at any OUR TEXAS HEALTH time. This includes the right to Texas Health is pleased to provide SM change any amounts contributed PROMISE you with this Employee Benefits by Texas Health or employees SM Handbook. It is important for you to Our Texas Health Promise is toward the cost of benefits, the read this Handbook and reference “Individuals Caring for Individuals, level of benefits provided, and the ® it throughout the year. It describes Together. ” It is a recurring theme types of employees eligible for the main features of the benefit throughout this Benefits Handbook. benefits. plans, explains how to use these Whether you are a direct caregiver or benefits, and identifies resources • Texas Health reserves the sole support those who provide patient for help when you need it. You right to alter, amend, modify, or care, living Our Texas Health Promise should understand your Texas Health terminate the plans, any program enables everyone at Texas Health to benefits and how they work—so described in this Handbook, or any better serve those who entrust their you can select the benefits that best part thereof at its discretion at any medical care to us. protect the needs of you and your time, either in their entirety or with Our Texas Health PromiseSM is valued family. respect to any covered types of employees. From time to time, you throughout our organization—and Throughout this Handbook, the term may receive updated information that includes providing you and your “Texas Health” refers to Texas Health concerning benefit changes. family great benefits. Texas Health Resources and the other employers • In the event of a conflict between covers over 80% of the costs of that have adopted the benefits being the provisions of this Handbook medical coverage for all employees. described. A list of the employers that and the provisions contained in the have adopted each plan is available legal plan documents, the legal MISSION from the Benefits Department at plan documents will govern. To improve the health of the people Texas Health. • No employee of Texas Health is in the communities we serve. The following is important responsible for advising you on information about this Handbook: the tax effect of your participation VISION in any plan described in this • This Employee Benefits Handbook Handbook. Because tax laws Partnering with you for a lifetime of is the Summary Plan Description are complicated and constantly health and well-being. (SPD) for the Texas Health changing, it is recommended Flexible Benefits Plan, the Texas that you consult a tax advisor if VALUES Health Retirement Program, and you have any questions about Respect, Integrity, Compassion, other benefits sponsored by how participation in any of these Excellence (RICE). Texas Health. The provisions of plans will affect your personal tax this Handbook apply to eligible situation. We will provide and maintain a fair employees of Texas Health and • The plan administrator and in some and equitable environment for all their eligible family members. cases the claims administrator has by valuing and respecting individual • Nothing in this Handbook says the authority to interpret each plan. differences for our enrichment or implies that coverage under Any interpretation made by the and for the enrichment of the or participation in any plan plan administrator or the claims communities we serve. is a guarantee of continued administrator will be conclusive. employment with Texas Health TEXAS HEALTH POLICIES or other employers who have A glossary of terms begins on page AND PROCEDURES adopted the Texas Health benefits 216. It defines many important terms For more information on program. Neither this Handbook for understanding your benefits Texas Health’s policies, go to nor updated materials are contracts under the plans. MyTexasHealth.texashealth.org. or assurances of compensation, ii 1-877-MyTHRLink (1-877-698-4754) MyTHR.org Table of Contents Table of Contents Welcome to Total Health, Where Well-being is a Way of Life! ..........1 Understanding the Texas Health benefits philosophy will help you make the most of your valuable benefits. Overview ..................................................................................................... 2 These pages give you a snapshot of all the great Texas Health benefits, describe the choices, and tell you who can be covered. Participation ............................................................................................... 4 Learn who is eligible, how to enroll, and how you pay for benefits. Medical & Wellness ...................................................................................17 The Total Health Medical Plan and Be Healthy Wellness Programs offer so many great features. This section explains them. Dental & Vision .........................................................................................82 Dental and vision care are important to your overall health, and this section explains how your benefits work. Spending Accounts .................................................................................99 The Health Care and Day Care Flexible Spending Accounts can save you money. This section tells you how. Income Protection ................................................................................106 Learn how the disability, life insurance and AD&D coverages help you be financially prepared. Retirement ..............................................................................................130 Be sure to understand how the Retirement Plan works so you can get the most from it. Time Off ................................................................................................... 147 Everyone needs some time away from work. This section tells you about Texas Health’s time off benefits. Other Benefits ........................................................................................ 158 Tuition reimbursement, adoption assistance, supplemental benefits and employee discounts are available. Leaving Texas Health ............................................................................ 187 Your coverage will end when you terminate, so be sure to understand your options. This section also explains Texas Health’s separation pay plan when a position is eliminated. Claims and Administration .................................................................. 200 Texas Health has provided important information about claims, your legal rights, Medicare, and your privacy. Resources ................................................................................................ 215 Here you will find a glossary, summary of the rates for coverage, and list of important contacts. 1-877-MyTHRLink (1-877-698-4754) www.MyTHR.org iii More Information Where to Get More Information ONLINE • www.MyTHR.org: MyTHR is not only where you enroll in benefits each year, but also the location where you can view your paychecks, check your PTO balance, request a leave of absence, and much more. • www.BeHealthyTHR.org: Accessible anytime, anywhere. Pull up your online benefits guide for information about your benefits at home, at work, or even on your mobile device. BY PHONE • 1-877-MyTHRLink (1-877-698-4754): Calling this number gives you direct access to all of our benefits providers, including Texas Health Aetna, UnitedHealthcare, Caremark (prescription), Aetna (dental), EAP, Tuition Reimbursement, and more. Press To Hear About Then Choose from These Additional Options THR Benefits Support 9 For assistance with online enrollment, dependent verification, or None general benefit plan information 1 Texas Health Aetna Medical Benefits and Eligibility None 2 UnitedHealthcare (UHC) Medical Benefits and Eligibility None 3 Pharmacy Plan None Press 1: Real Appeal Press 2: Quit for Life tobacco cessation program Press 3: Be Healthy rewards 4 Wellness Benefits Press 4: Employee Assistance Program (EAP) Press 5: Diabetes Educators Press 6: To repeat these options 5 401(k) Retirement Plan None Press 1: Leaves of Absence, Workplace Injuries Press 2: Tuition Reimbursement Press 3: Dental Benefits Press 4: Vision Benefits 6 Other Total Health Questions Press 5: Employee Discounts Press 6: Spending Accounts Press 7: Disability Benefits Press 8: Life Insurance Benefits Press 9: To repeat these options 7 To Repeat All Options None Español 8 None Marque el 8 para ayuda en español. IN PERSON • Human Resources: Each entity has a Human Resources office
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