We’ve got you covered

2016 PART-TIME WITH MEDICAL BENEFIT OVERVIEW American Health Network aspires to be the best healthcare organization, period. Our mission is to improve the health of our patients and when unable to do so, provide comfort. We rely on the employees of American Health Network to help us achieve our goal and we’re glad you decided to join our team.

It is important that you understand the benefits that are available to you. This Benefit Overviewis to provide basic coverage information. Summary benefit information can be accessed by clicking on the "Employee Benefits - Quick Links" button on my.ahni.com (no log on required).

More detailed information including audio training modules can be found when logging into the website under Human Resources and Employee Benefits. Before you begin your online enrollment, you should print and follow the Monthly Open Enrollment Guide exactly.

Contact the HumanResources Department via telephone at1-888-255-2246 extension 6375 or 317-580-6375,or via e-mail at Benefits@ahni.com

HHig h De du ctib le Health Plan (HDH P) – AH N Base Plan

The HDHP; also referred to as Consumer Driven Health Plan (CDHP) has a higher deductible ($2,600 for an individual and $5,000 for a family). Except for preventative care services, which are paid at

are available from the HDHP. If enrolled in the HDHP, you will still have access to negotiated rates for services by in-network providers, but you must pay your expenses out of pocket to satisfy the deductible before the plan begins to pay. Services from out-of-network providers are covered at a lower percentage.

PPO Plan – AHN Plus Plan

If you enroll in the PPO Plan, you will receive medical care at discounts through a network of preferred

Services from out-of-network providers are covered at a lower percentage.

ELIGIBILITY:

Medical Coverage (HDHP or PPO)

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To search for a provider or find out if your provider or facility is in the Anthem network, go to www.anthem.com and select Find a Doctor. Choose the Blue Access for HSA for the Base HDHP and Blue Access (PPO) for the Plus PPO plans.

Out-of-network providers can charge any amount and you will be responsible for paying amounts over the amount paid to in-network providers.

18 and older have access to complimentary health and well-being programs provided by Anthem.

Lifestyles is a well-being program that provides online trackers and coaching, as well as a

By enrolling in medical benefits through American Health Network, you and your enrolled dependents

The 360 Health Program provides a 24/7 NurseLine and care management programs. The Healthyo

wellbeingGo app. Participation is 100% voluntary.

100%, all medical and prescription expenses are charged against the deductible first, before benefits

providers. You pay a co-pay for most office visits and prescriptions. Other services are applied towarda deductible first, and then the PPO Plan and you pay a coinsurance to share the cost of your expenses.

Part time employees working 30-31 hours per week are eligible first of the month following 60 daysof new hire employment OR beginning of the month following an employment status change toworking 30-31 hours per week, if employed longer than 60 days. (Medical Plans)

HD HP and PPO P lan H ighlights Side-by-S ide Comparison

Features HDHP Base Plan PPO Plus Plan

HSA Eligible? YES NO

What you Pay What you Pay

In-Network In-NetworkOut-of-Network Out-of-Network

Annual Deduc

Individual

Family

$2,600

$5,000

$5,000

$10,000

$1,000

$3,000

$2,000

$6,000

Annual Out-of-Pocket Limit Individual

Family

$5,000

$10,000

$8,000

$16,000

$2,000

$6,000

$4,000

$12,000(includes deducand copays)

Preven ve Services(Coded as prev ve) $0 40%* $0 40%*

Allergy 20%* 40%*Injections: $5 copay

Testing: 20%* 40%*

MRAs, MRIs, PETS, C-Scans, Nuclear Cardiology Imaging Studies

20%* 40%* 20%* 40%*

Primary Care Physician 20%* 40%* $20 copay 40%*Specialist PhysicianOffice Visit 40%* $20 copay 40%*20%*

Inpa nt Hospital Services and F 20%* 40%* 20%* 40%*

Outpa ent Surgery Hospital/Alternative Care Facility 20%* 40%* 20%* 40%*

Outpa ent Therapy Services(limits apply to number of visits)

$20 copay for services

20%* for outpatient therapies

20%* 40%* 40%*

Behavioral Health Services (Mental Illness and Substance Abuse)

$20 copay for services

20%* for outpatient services

20%* 40%* 40%*

Hospice Care 20%* 20%* $0$0

Emergency Room 20% + $250 copay (copay waived if admitted)

20%* 20%* 20% + $250 copay (copay waived if admitted)

Urgent Care Centers 20%* 20%* 40%*$75 copay

Ambulance Service 20%* 20%* 20%*20%*

*After deductible is met

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Enrolling Dependents?are eligible until the end of the month they turn 26 regardless of marital and student status.

A spouse is considered a dependent for benefit purposes. Dependent children

*After medical deductible is met**Note: Obtain specialty medications from the Anthem Specialty Drug Pharmacy.

You may be responsible for paying the additional cost if a generic is not used when it’s available for a brand-name drug.

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2016 per bi- weekly Medical pay-premium amounts are:

Coverage Category

HDHP Medical Base Plan

PPO Medical Plus Plan

EmployeeOnly

$23.79

$111.09

$170.25$98.45

$269.54 $228.27 $414.67

Features HDHP Base Plan PPO Plus Plan

Deductibles and Out-of-Pocket Maximums

• Your prescription drug expensescount toward the medical plan’sdeductible and out-of-pocket limit

Retail(30-day supply)

Generic $10 copay

Preferred Brand Name Drugs

Non-Preferred Brand Name Drugs

Specialty Drugs** 20%*

• No deductible

Prescription Tier Home Delivery(90-day supply)

Retail(30-day supply)

Home Delivery(90-day supply)

20%*

20%* 20%*

20%* 20%*

20%* 20%* $10 copay

$30 copay $75 copay

$60 copay $180 copay

25% up to $200 per Rx

25% up to $200 per Rx

• Your prescription drug copayscount toward the medical plan’sout-of-pocket limit

Employee and Spouse

Employee and Child(ren)

Employee and Family

$68.19

during the calendar year (excluding Open Enrollment) unless the employee has a change in family status or employment status. Family status changes include but are not limited to marriage, divorce, birth or death of a dependent, loss of spouse’s coverage or ineligibility of a dependent. Any change to benefit elections must be in keeping with the type of family status change that has occurred. An employee

American Health Network’s Human Resources Department immediately of any qualifying status change. All necessary paperwork must be completed and reach the insurance carrier(s) within 30 days of the status change date. If coverage changes have not been completed within the 30 day window of opportunity, the employee must wait until the annual Open Enrollment Period. Contact management for more information.

Enrollment

Benefit elections for Medical insurance are made online in UltiPro. An Enrollment Guide is posted on

Once an employee makes their benefit enrollment decisions, regulations prevent changes being made

may also be allowed to change benefit elections if a change in employment status impacts their benefiteligibility. Benefit change options are limited for an employment status change. Employees must notify

the https://my.ahni.com website.

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ELIGIBILITY:

First of the quarter following 6 months of employment.

401(k) Retirement Savings Plan

Vest ingBeginning January 1, 2004, employees are 100% vested in the contributions they choose to defer and the matching contributions made by American Health Network. These contributions cannot be forfeited.

Contributions

tax (Roth) 401(k), or both. The Company may match 100% of first 3%, plus 50% of next 2% of employee deferrals. The IRS 2016 maximum contribution amount is $18,000. Employee contributions are payroll deducted. Employees that are 50 years of age or older may make Catch Up Contributions into their 401(k) account (up to $6,000) if certain conditions are met. Contact Human Resources or your office manager for additional information.

InvestmentsEmployees may choose from a variety of investment options, which range from conservative to aggressive, depending on risk and return of the investment choice.

DistributionWhile employed, employees may borrow against their 401(k) or Roth 401 (k) account and repay via payroll deduction, subject to Plan restrictions. Hardship withdrawals may be allowed prior to age 59 1/2 (if actively employed), but are limited to one per year, subject to penalty and require suspension of participation in the Plan for a 6-month period.

EnrollmentMassMutual will be notified the month prior to your eligibility date. They will mail you an enrollment kit that includes plan information and enrollment instructions. Employees may elect to participate any time once eligible.

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Additional Benefits

regarding this program can be found on the my.ahni.com website under

Employee Assistance Program (EAP)American Health Network provides the WorkLifeMatters EAP to ALL employees and their immediate family members. The program is provided at no cost to you and offers 3 face-to-face sessions with local counselors. The program includes online information on a variety of topics - from stress management, dependent/elder care, nutrition and fitness - to legal and financial matters.

Company Holidays Employees are eligible date of hire. Your Practice Manager will

notify you upon hire and at the beginning of each calendar year what, (if any) holidays the practice intends to recognize

following hours can only be used fordays when the office plans to closeThese hours are not eligible for cash out or rollover at the end of the year. Refer to the Employee Handbook for any exceptions and additional information.

Scheduled

Hours

20-31

Hours Per Day

5.0and close the office. The in recognition of a holiday.

Paid Time Off (PTO)

CSO Employees can rollover up to 40 hours of accrued but unused PTO to the following calendar year. CSO Employees are not allowed to cash out unused PTO. Refer to the Employee Handbook for additional information.

ScheduledWeekly Hours

0 – 4 Years of Service Monthly Accrual Hours

5 – 9 Years of ServiceMonthly Accrual Hours

10+ Years of Service Monthly Accrual Hours

2.50 2.50 2.5020-31

Accrual begins on the first day of the month following three months of employment. Employeesaccrue PTO benefits each month on the first day of the month, according to the following schedule.

Weekly

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DISC LAIM ER

American Health Network, Inc. (the “Company”) has prepared the Benefit Overview solely for the purpose of providing you with the general information regarding Company benefits. The Benefit Overview is not a complete or all-inclusive representation of Company benefits.It is not intended to be, and shall not be construed to be, a contract or to create any contractual obligation. The Company determines your eligibility for Company benefits and available benefits in accordance with each benefit plan and not the Benefit Overview. If you have specific questions regarding benefits, contact your Manager.

The Benefit Overview merely reflects noteworthy Company policies and benefits at the time of publication. Due to variations in applicable law, location of Company operations, and the passage of time, employee benefits may differ across Company operations and locations. Accordingly, American Health Network reserves the right to modify, add or delete at any time any benefit whether contained in the Benefit Overview or established through employment practices.

Employment is at-will and you or the Company may at any time terminate the employment relationship with or without cause consistent with applicable state or federal law. Employment

shall be interpreted in any way as altering the employment-at-will relationship or deemed to be an employment contract between the employee and the Company. Consequently, the Benefit Overview procedures are merely advisory for general information and are not binding on the Company and may be modified at any time at the Company’s discretion.