• Two options are available, or employee may opt to waive out of medical coverage.
• Preferred Provider Option - PPO
  (Blue Cross/Blue Shield of Delaware)
• Aetna Health Advantage Plan with HSA

- A High Deductible Health Plan
Single: $1,150
Family: $2,300

Aetna Health Advantage Plan is provided to Full Time employees at no cost. Dependent coverage requires employee contribution. Medical Care is offered based on family status (see below).
- Employee
- Employee & Children
Employee & Family (with spouse)
Contribution for Part Time employees is pro-rated based on employee scheduled/budgeted hours.

• Express Scripts administers the prescription card program. The Rx benefit is offered as part of the following medical plan options:
• PPO
• Aetna Health Advantage Plan with HSA
• Formulary: The plan utilizes a listing of preferred drugs with lower copays.
• Generic and Branded drugs are covered. When a generic drug is available, it must be dispensed or there will be an additional employee cost.
• 90-day mail-order service is available for maintenance drugs, cost for a 90 day supply is 2.5 times the copay

Prescription Card Co-pays

- Formulary: Co-pays
Generic: $10
Brand Name: $30

- Non Formulary: Co-pays
Generic: n/a
Brand Name: $50

Administered by Delta Dental
No cost to employee for single coverage only. Requires contribution for dependent coverage.

• Plan covers the routine maintenance, diagnostic and preventative services: payment to provider is made at 100% with a Delta dentist based on the U.C.R. schedule for the service.
• Two routine checkups per year, covered at 100%.
• Payments for restorative work such as fillings, crowns and extractions are calculated at 75% of the U.C.R. scale for the service.
• $1,500 per person annual plan year maximum,
• Limited Orthodontic Services offered to dependents only up to age 19, Lifetime maximum $1,000.
• The difference between the plan's payment and the dentist's charges is your responsibility.

• Full-Time Employees provided benefit by Christiana Care at no cost to employee:
• 50% Salary Replacement - 90 day wait
• Maximum monthly benefit - $10,000/month (all source)
• Enhanced options available with additional employee contribution
• 65% Salary Replacement - 90 day wait
• 65% Salary Replacement - 180 day wait

• Employees and dependents covered.
• Annual fee paid by Christiana Care.
• Provides unlimited supply of blood anywhere in the U.S. at no cost to the employee.
• Blood is not covered by medical plans.

• Administered by Aetna
• Deposits set aside with before tax dollars for payment of health care and dependent care expenses.
• Health care account covers medical and/or dental expenses not paid by your insurance.
• Health care account $5,000 maximum deposit amount.
• Dependent care account covers child care expenses for children age 13 and under.
• Dependent care account $5,000 maximum deposit amount.

• Administered by Aetna
• Offered with Aetna Health Advantage Plan
• Aetna Health Advantage Deductible: Single: $1,150 or Family: $2,300
• CCHS Deductible Contributions: Single $550 or Family $1,100
• Employee deposits to fund deductible set aside with before tax dollars for payment of medical, dental, Rx and other Medical Care expenses.
• HSA covers medical, dental and Rx expenses up to deductible limit, including copays and expenses not paid by your insurance.
• Full Time Employees may contribute to their account up to: Single $2,450 or Family $4,850.
• Part Time Employees may contribute to their account up to: Single $2,725 or Family $5,400.
• HSA account is portable; you own the account and all funds in the account.

• Pooled time away from work for rest, relaxation, vacation, sickness and other personal reasons
• 26 to 36 days per year, based on position and length of service.
• Varies depending on vacation time allotted to specific positions and length of service.

• Paid time away from work for extended illness or leaves of absences
• 5 days per year with no maximum balance.

• Free, unlimited services offered through the Family & Workplace Connection®.
• Child Care, Elder Care and Adoption resource and referral.
• Support with Delaware's educational system.
• Self-help publications.

• Available for full and part-time employees.
• Provides reimbursement of $100 per calendar year.

• Covers Associate's, Bachelor's, or Master's degree
• 100% tuition reimbursed for grade of "C" or better.
• Maximum annual assistance of $5,000.
• On-line education covered.
• Pro-rated benefits for part-time employees.
• One year work obligation.

• Program covers tuition and text books for students in nursing and selected Allied Health programs. Employees may apply as well as others who qualify.

• No cost to employee, tuition paid directly to school.
• Employee must qualify to be accepted to program.
• MSN Degree offered through University of Delaware.
• BSN Degree offered through Immaculata University.
• Two year work obligation.

• Employee designates pre-taxed dollars for investment.
• Contributions made by payroll deduction.
• Contribution based on IRS limits
• Multiple investment options based on asset class, risk and reward, plus 5 LifeSpan Asset Allocation options
• Programs are administered by Lincoln Financial or Fidelity.

• Christiana Care matches $.50 for each $1.00 of employee contribution up to match maximum limit.
• Maximum match limit is based on 6% of annual salary, based on IRS salary maximum.
• 100% vested after 3 years of service of 1000 hours or more per year.

• Employer contribution (3% to 5% of earnings) based on length of service. 3 year vesting.
• Over 15 different investment options based on asset class, risk and reward, plus 5 LifeSpan Asset Allocation options
• 5 year vesting
• Lump Sum Benefit paid in addition to Social Security

• Provided 1 times base pay at no cost to employee or limit benefit to $50,000 available with no imputed income tax

(For individuals with annual salary greater than $50,000)

• Optional Coverage: employee may choose from 1, 2, or 3 times base pay at additional cost, premium is based age.
• Maximum insurance up to the lesser of 4 times base salary (includes optional) or $1 million dollars.
• An insurance amount in excess of $500,000 is subject to Evidence of Insurability (EOI).

Employee: 6 coverage options - contributory

• Employee Coverage: $25,000, $50,000, $100,000, $150,000, $200,000 & $250,000

Family Coverage: Based on Employee PAI Amount Selected

• Spouse only - 60% of employee amount
• Spouse with children - Spouse 50%, Children 15%
• Child/ren only 20% up to age 18
• Maximum family coverage $150,000

• Cash payments for referrals leading to new hires in selected job categories.

As part of the continuing commitment to the well-being of all employees, Christiana Care Health System is very pleased to offer our enhanced Employee Assistance Program (EAP).

To help with work/life balance and provide assistance whenever life gets challenging, the EAP is a confidential resource for assistance with a wide range of concerns and needs, including stress, relationship problems, family matters, financial concerns, emotional distress and many other issues. The benefits are prepaid by Christiana Care and offered at no cost to employees.

This free benefit is provided by CIGNA insurance company. Support is available 24 hours a day, 7 days a week, by phone or on the web. This program provides unlimited telephone consultations with life balance consultants, three free visits with a local EAP provider, web-based tools and online information for you, your family and/or your dependents.

Life balance professional staff consultants can provide one-on-one assistance for a variety of life issues including:

• Up to 3 face-to-face sessions per issue with a licensed professional EAP counselor close to work or home
• Coping with stress, anxiety and depression;
• Caring for an elderly relative or finding senior assistance;
• Communication difficulties with a manager or co-worker;
• Raising children and finding child care in your area;
• Dealing with a family member who has an addiction;
• Improving your health or controlling a chronic condition;
• Getting out of debt and managing your finances;
• Relationship issues, legal issues and much more.

• Financial services including loans.
• Savings accounts
• Payroll deductions.

• Available for full and part-time employees.
• To checking or saving account.

• Free parking at all locations