The first step in starting your coverage is to officially enroll. This must be done within the first 30 days of employment. It is very important to enroll on or before this date. The necessary forms are provided when you complete your "New Hire" processing.

As you make your decisions, think carefully about the needs for yourself and your family. If you decline enrollment for yourself or your family, you are only able to add coverage later during an "Open Enrollment" period.

Feel free to come to the Human Resources Office for help in making these important personal decisions.

In order to ensure you receive all important benefits information, please keep your address updated. You must submit a change form to the HR office to change your name, address, or phone number. You can also do this on-line through our Employee Self Service website.

You are eligible to participate in the IMH benefit plans if you work at least 32 hours per two week pay period. Your dependent children are eligible until their 19th birthday. Full-time students may be covered until age 23, provided proof of student status is submitted as required from the office of the registrar.

As a new employee, you have 30 days from your date of hire to enroll in the health benefit plan. Your coverage becomes effective the first day of the month following 90 days of continuous employment. If you do not make your changes within the required 30 days, you must wait until the open enrollment period to elect coverage unless you have a qualified change in status.

Eligibility for participation in IMH’s Long Term Disability and Retirement plans shall be the first of the month following one year of continuous employment as long as the employee works at least 64 hours per two week pay period.

Eligibility for participation in IMH’s Life Insurance plan shall be the first of the month following 90 days of continuous employment.

Generally, your benefit choices will stay in effect for a full calendar year. However, if you have a change in lifestyle status, you may be able to make changes to some of your benefit elections.

If you experience one of the lifestyle status changes listed above during the plan year, you may qualify to make changes to your elections. However, you must notify HR in writing within 30 days of the date the change in your lifestyle occurs and attach proper documentation. Please contact the HR office if you have any questions about allowable changes.

Some of your benefits are cost sharing arrangements with IMH. IMH pays for the largest portion and the employee shares in the cost. Generally, the cost depends on the following factors:

Ivinson Memorial Hospital is committed to providing you and your family with cost effective Health/Dental insurance that offers quality, choice, and value to both you and Ivinson.

You’ll notice our plans are built for both choice and cost. As you make your selection, you will have the opportunity to choose the plan which best suits you and/or your family’s needs.

Our health plans are based upon a tier system, the standard plan has three tiers and the value plan has one. It is designed to reimburse at higher amounts for care provided in our community. As our plan receives more favorable pricing, the savings are passed along in the form of greater reimbursement to you.

All benefit eligible employees with a status of 32-63 hrs/pp or above are eligible for Health/Dental Insurance. Your benefits will become effective the 1st of the month following 90 days of employment or enrollment. You may elect the Single or Family coverage in either the Standard or Value Plan. If you have a life changing event such as those listed above, you will have the opportunity to elect coverage.

One of the first decisions will be to choose between the Value and Standard plans for your health, dental, and vision insurance. The overwhelming majority of our employees opt for the Standard plan because of its comprehensive coverage. This section of the booklet provides basic information for the Standard Plan. Additional information on the Value Plan can be obtained from the Benefits Office.

As previously mentioned, our plan is based upon 3 tiers. The tiers are designed to provide incentives for using the most cost-effective quality services.

This tier is designed to work in tandem with our excellent local staff of medical professionals and, therefore, is reimbursed at 80% once the deductible has been met. It is comprised of services received at IMH, Gem City Bone and Joint, and all LPO Physicians. A current list of LPO Physicians can be obtained from our intranet site, CNIC website, Medical Staff Office, or the Human Resources Department.

For employees on the Value Plan, this is the only level of coverage. The remaining tiers do not apply.

This tier is designed for those services not available locally, or for situations where our employees or dependents are out of the primary network when they need services. IMH has partnered with the PHCS network to provide an impressive coast to coast network of medical providers and specialists. To locate a provider or specialist call (800) 678-7427 or access the website http://www.phcs.com/customers/services_healthy.html. Eligible benefits are paid at 70% until the Out-of-Pocket Maximum is reached. PHCS providers offer our plan and you substantial savings!

This tier is designed for all other covered services that do not fall within Tier 1 or Tier 2. Benefits will be paid at 60% until the Out of Pocket Maximum is reached.

Deductibles are the first dollars of eligible expenses which must be paid for by the employee before the plan begins to reimburse.

Pharmacy, Dental, and Vision claims are separate plans which do not include deductibles or out-of-pocket maximums, thus the expenses do not apply to the medical plan deductible.

IMH offers a Wellness Benefit for Standard Plan participants. As a healthcare organization committed to community health, we realize the powerful nature of preventive medicine and early detection. You will find a wide variety of preventive and detection services are included for you and your eligible dependents.

The first $300 per person per year (effective 1-1-2007) for wellness related diagnostic tests, health fairs, physicals etc. will be paid 100%. The deductible does not apply for these services. Amounts over $300 per year will be subject to the deductible and out-of-pocket maximums. Wellness benefits are only available through Tier 1 providers.

All local Laramie dentists are covered under this plan. The plan provides 2 cleanings per person per year for you and all of your eligible dependents. This plan also includes Preventative and Restorative procedures (x-rays, fluoride treatments, extractions, fillings, etc.), which are paid at 80%. Prosthodontic treatments (crowns, bridges, dentures, etc.) are paid at 50%. Orthodontic treatment is also covered at 50% up to a generous lifetime amount of $1,000.

The plan also allows maximum benefits for covered services for each enrolled participant up to $1,000 per calendar year.

Our vision plan is bundled with the Standard Plan. There is no deductible for vision benefits.

Employees and dependents enrolled in the Standard Plan are eligible for one eye exam per year at an In-Network provider. Plus they receive $100 per year per participant towards Rx glasses, frames, or contacts at an In-Network provider. To locate an In-Network provider, you can go on-line or come by the Human Resources Office.

The Ivinson Memorial Hospital Health/Dental/Vision Insurance Plan is self-funded. This means that IMH pays all the plan expenses (all eligible claims) directly from funds generated by operations. Our premiums, deductibles, discounts, and co-pays are used to cover Plan costs. We urge wise utilization when obtaining services. We all benefit from prudent consumerism.

The plan is administered by:

CNIC Health Solutions

PO Box 3559

Englewood, CO 80155-3559

They can be reached at 1-800-426-7453 or at their secure website at https://secure.healthx.com/ivinsonmem.asp or click on the "CNIC" link on our intranet site.

You will need to "sign-in" when you first access the site. To do this you will need to enter your user name which is (Firstname.Lastname) then click on the "sign-in" link. You will be asked for a key code, which is 22204005-01 and then proceed through the series of questions.

Did you know that most injuries – nearly 60% - happen off the job? This means they are not covered by Worker’s Compensation, leaving a serious gap in your income protection. What’s more, health insurance covers only your medical bills; it does not offer any financial security for your everyday expenses. Finally, Social Security disability benefits cover "severe" disabilities only – those expected to last a year or more. To help close this gap, IMH provides full time employees with Long Term Disability insurance.

Long Term Disability (LTD) coverage is a form of financial insurance that Ivinson Memorial Hospital provides for its full-time benefited employees. This type of insurance provides monthly income benefits (66% of your regular monthly wage) should you become unable to work because of sickness or accidental injury.

If your employment status is 64 hours per pay period or more, you are eligible to receive LTD insurance benefits. You must enroll with Human Resources within 30 days from your date of hire or status change date. There is no cost to you; all costs are paid by Ivinson Memorial Hospital. Your disability insurance benefits become effective the 1st of the month following one year of employment for new employees, or the 1st of the month following enrollment for a status change if you have already met your one year anniversary.

To qualify for LTD, you must be disabled and unable to perform your duties for a minimum of 3 months. Our generous Paid Days Off program is designed to provide coverage for this 3-month period. You have the opportunity to receive up to 100% of your regular pay during this time.

Disability coverage will cover accidental injuries and illness that prevents you from working for a period of 90 days or more. However, some exclusions apply. Intentionally self-inflicted injuries or attempted suicide, injuries obtained during an act of war or a disability that arises during the first year of your LTD coverage and is due to a pre-existing condition will not be covered. Work related injuries should be filed with the Worker’s Compensation Division and will not be covered by disability insurance.

The Long Term Disability benefits for Ivinson Memorial Hospital are administered by National Benefits Partners, 303 East South Temple, Salt Lake City, Utah 84111. You can reach them at 1(800)583-1571 or www.nationalbenefits.com. This is the same company that handles our Life and Accidental Death and Dismemberment insurance.

An important component of our comprehensive benefit plan is Life Insurance. Life Insurance provides a significant income to your family and loved ones should you die.

All benefited employees are eligible for this benefit. There is no cost to you. All costs are paid by Ivinson Memorial Hospital. Your Life Insurance benefits become effective the 1st of the month following 90 days of employment for new employees, or the 1st of the month following enrollment for a qualified status change. You must enroll within 30 days from your date of hire or date of qualifying status change.

Part-time employees (32-63 hrs/pp) have a flat coverage amount of $20,000. Minimum coverage for full-time employees is $30,000.

Eligible employees are those whose status is 64 hrs/pp or more and have eligible dependents. Eligible dependents are:

Should you become disabled, the premium is waived for the duration of the disability.

The Life Insurance and Accidental Death and Dismemberment (AD&D) benefits for Ivinson Memorial Hospital are administered by National Benefits Partners, 303 East South Temple, Salt Lake City, Utah 84111. You can reach them at 1(800)583-1571 or www.nationalbenefits.com.

Portability and Conversion

Under the terms of the Life Insurance policy, you may be eligible to continue your life insurance coverage upon termination or if you are working less than the minimum number of hours. Please call National Benefits Partners at the above number for rates and more details.

IMH offers three benefits that provide you with a way to save on taxes. You can choose to contribute to one or all of these accounts, or you may choose to not participate at all. This is the one benefit you must reenroll every year. You pay money into these accounts on pre-tax basis, so you can pay these qualified expenses tax free. These expenses are exempt from both Federal Income Tax (FIT) and Federal Insurance Contributions Act (FICA). This can be up to 42% of your income..

Health plan premiums are processed tax-free through this account.

You are eligible to enroll in the Healthcare Flexible Spending Account. This account is funded based on your pre-tax payroll contributions and is totally voluntary. You can elect this benefit either upon employment or during the annual open enrollment period. Your benefit will become effective the first of the calendar year, or upon employment..

You are eligible to enroll in the Dependent Day Care Account either upon employment or during the annual open enrollment period. This account is funded based on your pre-tax payroll contributions and is completely voluntary. The Internal Revenue Service will not allow you to choose this option and also apply for the child tax credit on your income tax return. We encourage you to seek the advice of a tax consultant before you make your decision to enroll in this benefit..

The accounts are designed to reimburse you for eligible expenses. Here’s how the process works:

You’ll want to carefully estimate the amount you put into your accounts because the IRS requires that you forfeit any money left in your accounts after all eligible expenses have been reimbursed for the plan year (use it or lose it). You’ll have three months after the end of the year to submit claims for that year. You may not switch money between accounts.

You can use the dependent day care account to reimburse yourself for child care for children under age 13 who qualify as dependents on your federal income tax return AND for child care for children of any age who are physically or mentally unable to care for themselves and who qualify as dependents.

Dependent care expenses that are eligible for reimbursement are also eligible for a Federal Income Tax credit. You can apply only one of these two favorable tax treatments, but not both, for the same expenses. So you must decide which will give you the greater advantage::

Generally the dependent day care flex spending account approach is more advantageous if your household annual income is $24,000 or more. However, you may want to consult a tax accountant to determine if this approach would be more advantageous in your situation.

• Are your expenses fairly predictable?

• Do you have regular healthcare expenses that aren’t covered by any other benefit plan?

• Would the Dependent Day Care Spending Account be more advantageous to you than the Earned Income Credit?

IMH offers a very generous amount of paid days off for you to enjoy time with your family, friends, travel, or to just enjoy the immense outdoor recreational activities in our area. Our Paid Days Off program gives you flexibility to take off from your professional responsibilities and be paid.

Paid Days Off, or PDO, provides you with paid time away from work for vacations, holidays, personal emergencies, illnesses, or other approved absences from work. The purpose of PDO is to provide you with enough time away from work to enjoy a period of relaxation and return to work rested and refreshed. Scheduling of PDO is subject to the needs of the department and is the responsibility of the department manager. While department requirements will be given priority when determining your PDO, as much consideration as possible will be given to your preference for time off. You’ll need to schedule your PDO in accordance with your departmental guidelines as required by your department manager.

You will accrue PDO beginning the first pay period after your 90th day of employment if you are in a benefited employment status. It is important to maintain a balance in your PDO bank to provide continuous income should you become sick or injured.

If you want to request particular days off, make your request in writing or through our automated HR-Online system to your supervisor in advance and in accordance with the specific policies of your department. Requests for time off will be reviewed and approved or denied by your supervisor or department manager. Please be sure you have a response from your manager prior to making your time off arrangements. PDO is limited to a maximum accrual of 480 hours. Once your balance reaches this limit, no further accrual will occur.

While your PDO is designed to allow you to take time off to rest, relax, and enjoy yourself, IMH allows employees to cash-in PDO hours four times per year. Employees may cash-in up to 100 hours in each of the four authorized periods. When cashing in PDO hours, you must maintain a minimum balance of 40 hours in your account. The four cash-in periods are:

To use this benefit, inform your department manager of your desire during the appropriate pay period. All accrued PDO is paid upon termination.

IMH wants every employee to be financially independent at retirement. You’ll find we have designed a very generous and rewarding retirement package. Our retirement plan is available to all employees on a contribution basis and benefited employees have the option to receive a generous match.

IMH has partnered with Principal Financial Group to provide investment and account services. You will find a wide selection of account choices and investment vehicles to match your needs and tolerance for risk. Additionally, we have local professional support to help you plan for retirement as well as choose your specific accounts.

You may begin to make personal contributions into the plan as soon as you are hired. Benefited employees are eligible to receive a 2% contribution from IMH upon completing one year of employment. This amount can increase significantly (up to 12%) based upon your years of service. You must sign up for this benefit as it will not start automatically.

You may make personal, before tax contributions up to 100% of your pay, subject to the current IRS annual limit, which for 2006 is $15,000. If you are age 50, or will be age 50 anytime during the year, you may contribute an additional $5,000 for a maximum of $20,000. If you are eligible and wish to take advantage of this, please contact the Human Resources Department at extension 6509.

You can change the percentage of your contribution at any time during the calendar year. You can also stop your contribution at any time.

When you sign up for your retirement benefit, you will have the option to receive your statements on paper via the mail, or electronically through the Principal Financial Group website at https://secure05.principal.com/signon/initial/.

One of the more unique features of our approach to retirement is the integration of educational seminars throughout the year. You’ll find a wide array of offerings available to you and your family. Topics from retirement planning to investment strategies are offered several times each year.

IMH provides additional protection for all employees through coverage in the State of Wyoming Worker’s Compensation Program. This benefit provides protection for employees who incur on-the-job injuries and illnesses. This program also attempts to prevent workplace injuries and illnesses and encourages employees to return to work as soon as they are able. You must report all job-related injuries and/or illnesses and fill out the Incident Report Form as soon as possible.

Here are the steps:

IMH has a wellness program designed to encourage health awareness and engagement in all aspects of your life. From nutrition, exercise, psychological, family, to financial wellness, our program incorporates all aspects. This program also injects a healthy dose of fun.

Throughout the year you’ll find a wide variety of both team and individual events designed to raise awareness, provide education, and increase physical activity. If you have a great idea on a new event, please contact the Human Resources Office and share your thoughts.

IMH also sponsors a variety of community sports teams. We have bowling, softball, running, walking, trap shooting, and many other teams. We hope you take advantage of these activities and the many excellent recreational facilities in our community.

From time to time, everyone has problems. Although some problems can be solved alone, others require help. The Employee Assistance Program (EAP) at IMH is a completely confidential and objective short-term counseling service offered to all employees and their immediate family members. Up to six counseling sessions are completely paid for by IMH. Even though IMH pays for these sessions, complete confidentiality is maintained. Counseling on nearly any issue or difficulty is available, from family or drug and alcohol counseling to counseling on work-related problems.

To access this program, just call Peak Wellness Center at 745-8761. Tell them you’re an IMH employee and you would like to speak with a counselor. If your counseling continues longer than six sessions, the charges are eligible under our health plan (if coverage applies to you).

IMH has negotiated with a variety of local and national vendors to provide services at a substantial discount. Stop by the Human Resources Office for more details on any of the following programs.

(307) 742-2142 Ext 6509

(Section 125 Plan)

Po Box 3559

Englewood, CO 80155-3559

800 426-7453

(800) 678-7427

www.phcs.com/customers/services_healthy.html

7472 South Tucson Way, Suite 100

Centennial, CO 80112

888 479-2000

www.rxwest.com

(800) 538-1571

www.nationalbenefits.com

(800) 986-3343

121 Grand Ave, Suite 200

755-5521

www.principal.com

(800) 538-1571

www.nationalbenefits.com