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BSWHealth.com/BenefitsREMEMBER, YOU HAVE30 DAYS FROM YOURDATE OF HIRE OR DATE OFELIGIBILITY TO ENROLL.Whenlife ischanging,your benefitscan help you stayone step ahead.MARIA MEJIAMEDICAL ASSISTANTBAYLOR SCOTT & WHITECHARLES A. SAMMONSCANCER CENTERRead her story on page 17.
When you’re ready, we’re ready.We are committed to your health and safety. Our preventive measures and innovative offerings aredesigned to protect you and our patients across the state.Our Safe Care plan includes: COVID-19 testing of patients deemed appropriate through individual case reviewVirtual waiting rooms provide patients’ loved ones updates via calls and text messagingVirtual care optionsMasking of patients, approved visitors and staffEnhanced cleaning and touch-free protocols, including UV-light disinfection and paperless registrationCOVID-19 home monitoring digital care journey available through our MyBSWHealth app or websiteLearn more at BSWHealth.com/SafeCare.Healthcare in thepalm of your handOur same-day video visits are free for all* medicalplan enrollees!Download the MyBSWHealth app to: Book a virtual or in-person visit View your Scott and White Health Plan(SWHP) deductible, claims and more Access a digital copy of your SWHPinsurance card Refill and manage prescriptions atBSW pharmacies View test results Track your well-being goals Receive a free online COVID-19 screeningVideo visits and eVisits are available8 a.m. – 8 p.m. seven days a week.To be eligible, you must have aMyBSWHealth account.Google Play and the Google Play logo are trademarks ofGoogle LLC. The Apple logo is a trademark of Apple Inc.,registered in the U.S. and other countries and regions. AppStore is a service mark of Apple Inc.* Video visits are currently available to HSA participants at no cost,pre-deductible, due to a temporary regulatory change.SHELISA LEHMANNLABORATORY QUALITYPROGRAM MANAGER2021 Benefits 1
Welcome!Just like our people, our benefits are among the best in the industry.We’re so excited to have you join our BSW family, and we encourage youto read through this guide to get the most out of all we offer.Your benefitsbegin rightaway, withno waitingperiod!Your benefits begin right away, with no waiting period! Remember, youhave 30 days from your date of hire or date of eligibility to enroll.Get started now:-Review this guide for an overview of your benefits-Explore BSWHealth.com/benefits for more details-Visit MyPeoplePlace.com to enrollAs your needs continue to evolve, we’re making it easier than everconnect with the benefits that best support you—from dependentcare resources to expanded access to virtual care, emotional supportand more.You make it possible to achieve our Ambition, and we are proud to investin your health and well-being.Sincerely,Nakesha LopezSenior Vice PresidentHuman ResourcesNAKESHA LOPEZSENIOR VICE PRESIDENTHUMAN RESOURCESWITH HUSBAND TERRENCE MCALLISTER ANDCHILDREN GRACE AND JADEN2021 Benefits 2
Benefitsstart onday one!EligibilityWe offer a full menu of benefits to eligibleemployees and their families beginning onthe first day of employment. You have 30 daysfrom your hire date or the date you transition toa benefits-eligible position to enroll in plans—sobe sure to take a close look and make yourselections before the deadline.If you are A full-time employee regularly scheduled towork at least 60 hours per pay period, or A part-time employee regularly scheduledto work 40 hours but fewer than 60 hoursper pay period, you are eligible for these benefits:MedicalDentalVisionFlexible spendingaccounts Disability LifeAD&DCritical illnessAccidental injuryLegalYour spouse and children are also eligible withincertain guidelines.You’re eligibleto participate inour 401 (k) planright away!BENJAMIN LARSENPATIENT EXPERIENCE ADVISORAll employees (full-time,part-time and PRN) areeligible to participate in aretirement plan right away!Visit BSWHealth.com/benefitsto learn more.2021 Benefits 3
Benefits checklistUse this handy checklist to help keep track of your benefits decisions.Pick your health-related benefits (pg. 5-6, 10) Medical plans: SEQA/EQA, PPO or HSA Dental plans: MetLife PPO or MetLife PPO Plus Vision: EyeMedChoose your savings/spending account (pg. 5 – 6) Healthcare accounts: Learn more about how to use tax-free savingsaccounts to pay for eligible health expenses at BSWHealth.com/Benefits.SEQA/EQA and PPO PlansHSA PlanGeneral-purpose flexiblespending account (FSA)Health savings account (HSA) and/orLimited-purpose FSA* Dependent care FSA account: Pay for expenses related to child, elder and disabledadult day care.* The limited-purpose FSA can help pay for eligible dental and vision costs while you build a reserve inyour HSA.Supplement your health coverage withvoluntary benefits (pg. 11) Prepaid legal services Critical illness insurance Accidental injury insurancePrepare for the unexpected (pg. 16) Life and AD&D insurance: We provide basic coverage for you, and you can electadditional coverage for yourself, your spouse and your children. Short-term disability (STD) insurance: We automatically enroll you in coverage. If youdo not want STD, you must opt out during your enrollment window. Keep in mind, ifyou opt out when first eligible, future coverage may be subject to the pre-existingcondition provision. You can elect coverage for yourself that replaces a portion ofyour salary for a fixed period.Readyto enroll?1. Log intoMyPeoplePlace.com2. Click Benefit Details tile3. Click Benefit Enrollment4. Click Start to accessyour enrollment event5. Click each benefit tile toreview and make yourselections6. Click Submit Enrollmentto finalize your choicesKeep in mind: You must be enrolled in STD coverage to receive maternity,parental and adoption leave benefits. Turn to page 20 to learn more. Long-term disability (LTD) insurance: We provide basic coverage to you at nocost, and if you need additional income protection, a buy-up plan is availablefor purchase.Start saving for retirement today (pg. 9)You can enroll in your 401(k) immediately, and can make changes any time throughoutthe year at BSWHRetirement.com.Browse the benefits catalog (pg. 18 - 22)Check out the many benefits we offer to help with things like child or elder daycare, paid time off (PTO), travel insurance, tuition reimbursement and more.2021 Benefits 4
Staying in network—alwaysthe best valueTier 1BSWQA NetworkAvailable to all medical plans and the exclusive network forthe SEQA/EQA PlanThink of the Tier 1 Baylor Scott & White Quality Alliance(BSWQA) Network like family. It’s a complete network of8,000 primary care and specialty care physicians, 70 hospitals and ambulatory surgical centers, and 100 urgentcare clinics.Note: Tier 1 is the only network available for the SEQA/EQAPlan, except in cases of urgent/emergency care or raresituations when an in-network provider is not available andauthorization is provided.Tier 2Cigna National NetworkOnly available with the PPO and HSA plansIf you or a covered dependent live 40 or more miles fromthe nearest Tier 1 acute-care hospital, contact SWHPat 844-843-3229 to activate the out-of-area coverage(80% vs. 50% after Tier 2 deductible).Tier 3Out of NetworkOnly available with the PPO and HSA plansChoosing providers in Tier 3 will always be the mostexpensive option.Find a Tier 1BSWQAprovider today!STEPHANIE GALVANSCHEDULING COORDINATORFor a full list of providers in our Tier 1 and 2networks, there are two easy options:1. Visit BSWH.SWHP.org and search byyour medical plan2. Call the HealthAccess Line at844-279-7589 and get directassistance from a dedicated healthconcierge serviceYou can also tap into the MyBSWHealthapp for a quick search of all Tier 1 providerswithin our System.2021 Benefits 5
Medical plan highlightsYou have three plans to choose from, all administeredby Scott and White Health Plan.Quality Alliance Plan (SEQA or EQA)Only includesTier 1 BSWQA NetworkLive more than 40 milesfrom a Tier 1 acute-carehospital or have out-of-statedependents? Consider thePPO or HSA plans, as theyoffer an extended networkof providers through Tier 2and Tier 3 coverage.Select Exclusive Quality Alliance Plan (SEQA)Eligibility Available to benefits-eligible employees making 27 or less per hourNetwork Only includes providers in the Tier 1 BSWQA Network No out-of-network coverage, except in cases of urgent/emergency care or rare situations when an in-networkprovider is not available and authorization is providedCoverage 0 deductible, preventive visits, video visits and eVisits 0 for select diabetic medicine and supplies Low copays and 400 bundled maternity copay*Tax-free Pairs with a general-purpose FSA for eligiblesavings accounthealthcare expensesExclusive Quality Alliance Plan (EQA)Not sure whichplan is right for you?Ask Alex!Ask Alex is your friendlyvirtual benefits counselorwho will ask you a fewsimple questions andmake a recommendationbased on your needs.Find the link to Ask Alex atBSWHealth.com/Benefits.Eligibility Available to benefits-eligible employees making 27.01 or more per hourNetwork Only includes providers in the Tier 1 BSWQA Network No out-of-network coverage, except in cases of urgent/emergency care or rare situations when an in-networkprovider is not available and authorization is providedCoverage Low deductible 0 preventive visits, video visits and eVisits Low copays, including 400 bundled maternity copay*Tax-free Pairs with a general-purpose FSA for eligiblesavings accounthealthcare expenses* Copay applies to the facility claim. All other services billed with a maternity/delivery diagnosis codewill be paid at 100%, including prenatal services and well-baby charges. Deductible only applies to durable medical equipment, private duty nursing, hearing aids, skillednursing, home health and hospice care.2021 Benefits 6
Over 80% of employees are enrolled in a BSWmedical plan—of those, more than 60% are enrolledin our Quality Alliance plans!Preferred Provider Organization Plan (PPO)PredictableexpensesThis plan has a higherper-paycheck cost,copays, with extendednetwork options and alower deductible thanthe HSA Plan.Eligibility Available to all benefits-eligible employeesNetwork Includes providers in Tier 1, 2 and 3 networks—providersin the Tier 1 BSWQA Network are always the best value!Coverage 0 preventive visits, video visits and eVisits Copays for some services, including 1,200 maternitycopay (Tier 1 only)*Tax-free Pairs with a general-purpose FSA for eligiblesavings accounthealthcare expenses* Copay applies to the facility claim. All other services billed with a maternity/delivery diagnosis codewill be paid at 100%, including prenatal services and well-baby charges.Health Savings Account Plan (HSA)High-deductiblehealth planThis plan has a lowerper-paycheck cost,but you pay 100% ofnon-preventive costsuntil your deductibleis met, then you paycoinsurance until youreach the out-of-pocketmaximum.Employees with highpharmacy costs orwho are new to ahigh-deductibleplan should carefullyresearch this planbefore selecting.Eligibility Available to all benefits-eligible employeesNetwork Includes providers in Tier 1, 2 and 3 networks—providersin the Tier 1 BSWQA Network are always the best value!Coverage High deductible 0 preventive visits 0 video visits and eVisits (in response to COVID-19 anduntil further notice)Note: Not eligible for the bundled maternity copayTax-free Pairs with a health savings account (HSA) that lets yousavings accountsave tax-free dollars for current or future healthcareexpenses, including retirement Pairs with a limited-purpose FSA for eligible healthcareexpenses (only dental and vision until the deductible ismet) while you build your HSA balance2021 Benefits 7
Save money. Get better.Need a prescription? Choose from 30 BSW pharmacies, a dedicated specialtypharmacy, 24/7 kiosks or from our nationwide contracted network.Use the MyBSWHealth app to refill, transfer between locations and manage prescriptions.BSW pharmacies will save you money: Receive a 20% discount on over-the-counter medications with your badge Get a 90-day supply of medication for only two copays (either in-store or throughmail order) The cost of a 30-day supply of a preferred generic medication is 3 versus 10 ata contracted pharmacyExtra special deliveryAdding to your family is a major milestone, and we’re proudto be part of it.Our bundled maternity copay* is tied to your medical planand covers all prenatal visits prior to birth, labor and deliveryexpenses, and all postnatal expenses for your baby.**Medical plan coverage: SEQA/EQA Plan ( 400) PPO Plan ( 1,200 for Tier 1 only) HSA Plan (not eligible)* The copay applies to the facility claim.** In the event your newborn needs to stay in the hospital longer than you do,the inpatient benefit under the medical plan would apply.Note: Your baby would need to be added to the BSW plan within 30 days ofbirth for postnatal expenses to be covered.Expecting the Best maternity case management program(registration required)All medical plan participants can take part in the freeprogram for expecting moms. Get information, resourcesand support for every step of early motherhood, and extrain-app content if seeing a BSW provider.Call SWHP customer service at 844-843-3229 or emailHPMaternityCaseManagement@BSWHealth.org toenroll. Be sure to include your member number andcontact information.ASHLEIGH ALLEN AND SON ADAMCOMMUNICATIONS ANDMARKETING MANAGER2021 Benefits 8
Grow your retirementWhile you’re reviewing your benefits, it’s a good idea to checkon your retirement savings. Keep in mind you can start, stop ormake changes to your retirement savings account atany time during the year through Empower Retirement.Saving is as easy as 1-2-31. You choose a percentage of your salary to save.2. We subtract that amount each pay period and deposit thefunds in your 401(k) retirement account.3. Because we want your retirement savings to grow, wematch your contribution dollar-for-dollar up to the first 5%of eligible pay. You are always 100% vested in your owncontributions; matching contributions vest after threeyears of employment.Note: CTX physicians who contribute to a 403(b) willreceive matching contributions into their 401(k). Catch-upIf you participated in another company’s retirementaccount during the year: Consider rolling over your other 401(k) accountbalance(s). You may be able to carry overoutstanding loan(s) associated with thoseretirement accounts. Check with EmpowerRetirement to explore your options. Take your other retirement savings into accountwhen electing your contribution percentage. It’s upto you to ensure you don’t exceed the IRS limits.Annual IRS limitsThe annual before-tax and Roth (after-tax) contributionlimit for 2021 is 19,500. You can also make an additional 6,500 catch-up contribution if you turn 50 or olderanytime during the year.contributions are not eligible for our employer match.The IRS compensation limit is 290,000 for 2021.Get started todayVisit BSWHretirement.com or click Retirementin PeoplePlaceTalk with an Empower Retirement representative bycalling 844-722-2794Hours of operation:Weekdays, 7 a.m. – 9 p.m.Saturdays, 8 a.m. – 4:30 p.m.As you accrue your retirement savings, you have options as to how you can invest your money. Choosethe option that works best for you and reach your highest earning potential.Target date fundsManaged account programSet it and forget it with a diversified portfolio basedon when you plan to retire (typically age 65). Withthis option, your investment mix gradually shiftsfrom more aggressive to more conservative as youapproach retirement.Let someone help and manage your individualizedportfolio. With this option, you provide Financial Engineswith your personal information. They then create andmanage it on an ongoing basis for a fee.Individual fundsCreate your own portfolio to match your risktolerance and investment goals. This option lets youchoose your investment lineup from a wide varietyof core funds. Be sure to check out the free onlineinvestment advice provided by Financial Engines.Self-directed brokerage accountsAre you an investment pro? Brokerage accounts areintended for knowledgeable investors. For an annualfee, you can select numerous investment options(beyond those offered under the plan).2021 Benefits 9
DentalWe offer two dental plans:MetLife PPO and PPO PlusLUIS BANUELOSEDUCATION SERVICESCOORDINATORBoth plans: Allow you to visit any dentist you choose—but you’ll pay lessif the provider is part of MetLife’s network Have the same deductibles— 50 for you and a maximumof 150 for you and your family Cover 100% of preventive care costs (cleanings and X-rays)once every six months—with no deductible Pair well with any healthcare FSA or HSAPPO PlanPPO Plus PlanHighlights:Highlights: Plan pays 50% of the cost of basic and major care afterdeductible is met Maximum benefit the plan will pay in a year is 1,250 percovered family member No coverage for orthodontia or dental implants Plan pays 80% of the cost for basic care and 50% for thecost of major care after deductible is met Maximum benefit the plan will pay per covered familymember is 2,500 a year Orthodontia covered at 50% with a lifetime maximumbenefit of 2,000 per covered family member (available tochildren and adults) Dental implants covered at 50%, subject to annualmaximum of 2,500VisionEyeMed coordinates seamlessly with our FSAs, somost expenses are automatically substantiated—meaning you don’t have to submit as many receipts.Plan highlights: 10 copay for an eye exam 25 copay for a contact lens fittingCopay for lenses depending on selectionUp to 170 allowance for frames or contactsLaser vision correction discountsDiabetic care services2021 Benefits 10
Voluntary benefitsPrepaid legal servicesAccidental injury insuranceThe MetLife Legal Plan provides you, your spouse andyour dependents with fully covered legal services. Nodeductibles, copays, claim forms or usage limits whenyou use one of the 18,000 network attorneys. Receivelegal advice for a wide range of matters, such as:Cigna’s accidental injury insurance can provide you and yourfamily with coverage and additional financial protectionfor expenses associated with an unplanned covered accident. AdoptionBankruptcy/foreclosureBuying and selling houses or refinancingConsumer/creditor problemsCreating a will or living willDivorce (20 hours maximum)Important paperwork reviewManaging the estate when a spouse or parent diesCritical illness insuranceCigna’s critical illness insurance can provide you and yourfamily with coverage and additional financial protectionfor expenses associated with a covered critical illness, likecancer, heart attack, stroke and more. Cash benefit paid directly to you. No copays, deductibles,coinsurance or network requirements. Use the money however you want. Pay for medical copaysand deductibles, child care, help around the house,alternative treatments, travel to see a specialist and more.A H M ZUBERI ASHRAFMEDICAL TECHNOLOGIST ANDLABORATORY SCIENTIST Cash benefit paid directly to you. Lump-sum benefitsof 15,000 or 30,000 upon the first diagnosis of acovered condition, depending on the benefit amountyou elect. If you elect coverage for your spouse and/ordependents, their benefit amount is 100% of your electedbenefit amount. Use the money however you want. Pay for medical copaysand deductibles, child care, help around the house,alternative treatments, travel to see a specialist and more. Bonus: There’s a 50 wellness benefit if a covered healthscreening is performed (annual checkup, colonoscopy,mammogram, etc.).2021 Benefits 11
2021 Medical Plan Coverage and CostsMedical PlanSEQAEQATier 1 BSWQATier 1 BSWQATier 1BSWQATier 2CignaNationalTier 3Out ofNetworkTier 1BSWQATier 2CignaNationalTier 3Out ofNetworkEmployee only 0 500 1,000 2,000 5,000 1,500 3,000 5,000Employee family 0 1,000ˆ 2,000ˆ 4,
Think of the Tier 1 Baylor Scott & White Quality Alliance (BSWQA) Network like family. It’s a complete network of 8,000 primary care and specialty care physicians, 70 hospitals and ambulatory surgical centers, and 100 urgent care clinics. No
