New Fellows: Benefits Presentation for International Employees

1. Welcome! NewFellows BenefitsPresentation

2. Before We Begin 1.) Completed I-9 form through HireRight? • Completed I-9 online • Presenting documentation confirming identity and eligibility to work • Must be completed before or on your hire date 2.) First job in the United States? • Complete the Foreign National Information form and send to Payroll Office • You may be able to waive taxes for as long as 2 years, depending on if there is a treaty between your country and the U.S. • The Payroll Office can assist with determining if you are eligible.

3. Summary of Benefits See your 2017 Enrollment Guide for detailed information • Health Plans • Medical Plans • Dental Plan • Vision Plan • Flex Spending Account • Health Care Account • Dependent Care Account • Income Protection • Life (Basic & Optional) • Long Term Disability • Accidental Death & Dismemberment • Retirement • Traditional 403(b) • Roth 403(b)

4. MGH POLICY • All eligible employees MUST maintain health insurance through MGH or another source. • You may decline health insurance ONLY if you have medical coverage through another source (e.g. employer, spouse, home country, etc.,). • If you do not select coverage, you will be automatically enrolled into Partners Value (employee only) coverage retroactive to start date. • Benefits department conducts audits regularly.

5. When can I enroll? • As a New Hire or if you become eligible – Immediately • You have 30 days to make your elections, failure to do so will automatically default you to Partners Value (individual). Coverage would be effective on that day. • When can I make changes? • Annual Open Enrollment Period** • In November 2017 (benefit changes elected during this period will go into effect as of January 1, 2018) Qualifying Events • Marriage/Divorce • Birth/Adoption • Spouse gains/loses benefits

6. Other Important Questions If I already have medical insurance, what should I do? What happens if I forget to enroll or to “opt out”? Who can I cover under my plans? How much will this cost? If you already have medical insurance through another source, you must log in to PeopleSoft and opt out of medical insurance within 30 days of your hire date. If you do not enroll or opt out of medical insurance through PeopleSoft, you will be automatically enrolled in Partners Value (Individual). • You can cover the following eligible dependents: • Spouse • Eligible Children (until age 26)

8. Medical: Partners Plus & Partners Value • Flexible • Receive care • Partners Preferred network -lowest out of pocket cost • Plan Network (BCBS PPO) - low cost sharing • Out-of-Network care - highest out of pocket costs • Partners Plus and Partners Value are BCBS Plans • You Should Know • No waiting periods • No exclusions for pre-existing conditions • PCP not required • Do not need insurance referrals to get specialty care • Recommend you use PCP to guide your care

10. Finding a Partners Preferred or Plan Specialist Visit www.partners.org/FindPrimaryCare on your desktop or mobile device to find a Partners-affiliated primary care physician (PCP) who is accepting new patients.  Find a Partners-affiliated specialist at: www.partners.org/FindSpecialists You can also look in your medical plan’s online directory. Blue Cross Blue Shield (Partners Plus, Partners Value) http://www.bluecrossma.com/partners-- select “Find a Doctor”

11. CVS/caremark Side by Side Short-Term Medications Retail at a CVS/caremark network pharmacy (CVS, Rite Aid, Walgreens, etc.) 30-day supply 60-day supply $10 – Generic $20 -- Generic $35 – Preferred brand $70 – Preferred $60 – Other approved brandbrands $120 – Other approved brands Long-Term Medications Maintenance Choice (CVS Caremark Mail Service or CVS/pharmacy) 90-day supply $20 – Generic $70 – Preferred brand $120 – Other approved brands More than 67,000 pharmacies participate in the CVS/caremark retail pharmacy network. See www.caremark.com for a list.

12. Prescription Drug ProgramOut-of-Pocket Maximum • Out-of-pocket maximum is determined by your salary • Out-of-pocket maximum limits the amount of your co-pay expenses * Maximum Out-of-Pocket Values double for those with the Partners Value Plan

13. Dental Plans (pgs. 16-17) You will receive a separateID card. Basic Dental $1,000 per person annual maximum 100% Diagnostic & Preventive (No Deductible) 50% Minor Restorative ($50/$100 Deductible) 50% Major Restorative ($50/$100 Deductible) No Orthodontia Major Dental $2,000 per person annual maximum 100% Diagnostic & Preventive (No Deductible) 80% Minor Restorative ($25/$50 Deductible) 50% Major Restorative ($25/$50 Deductible) Orthodontia (50% covered up to $2K lifetime maximum)

14. Vision Plan(pgs. 18-19) You will not receive a card. Davis Vision Providers will access your coverage using your name and employee ID number. • Once every 12 months (see brochure) • -Eye exam w/ participating optometrist ($10 co-pay) • -1 pair of Davis Vision eye glasses or contact lenses (Need to go to in-network Providers; Co-payment may apply to contact lenses) • Out-of-network care available at a higher cost • Note:BCBS Partners Plus/Value covers one routine eye exam every 24 months at no cost

15. Life Insurance (pgs. 20-21) MGH provides coverage of 1x annual salary (at no cost to employee) • Need more Life Insurance? • Optional Supplemental Life Insurance • Employee • Up to 3x annual salary without health questions • Coverage of 4x and 5x salary is available with Insurer’s approval • Spouse and Child • Coverage amounts: various levels available Accidental Death & Dismemberment (AD&D) Insurance also available

16. Long Term Disability (LTD)(pg.22) You areautomatically enrolled in this plan at no cost. If you become disabled for any reason, this benefit will provide you a portion of income until you are able to return to work or reach age 65. • Continues 60% of base pay after 90 days of disability • Benefits continue for as long as you remain disabled or until you reach age-65

17. Flexible Spending Accounts (FSA) “TAX FREE” Reimbursement For eligible expenses incurred from Hire Date to March 15, 2018 CALENDAR YEAR BENEFIT – RE-ELECT EVERY YEAR! • Health Care(pg. 23) • $2,600 pre-tax (max) • Out-of-pocket medical, dental, vision and hearing expenses (eg. Deductibles, co-pays, coinsurance) • Out-of-pocket medical, dental, vision and hearing expenses (eg. Deductibles, co-pays, coinsurance) • Dependent Care(pg. 24) • $5,000 pre-tax (max) • Child care expenses for dependent child while both parents are working ( eg for children through age 12) • Disabled dependents, adult dependents • Compare to Dependent Care Tax Credit Use it or lose it benefit

18. Retirement Savings Programs(pgs. 26-30) Traditional 403(b) Program Contributions are deducted from paycheck before taxes are calculated Will reduce your taxable income every paycheck Contributions and investment earnings will be taxed when distributed. Roth 403(b) Program Contributions are deducted after taxes are calculated Will not reduce your taxable income every paycheck Contributions and investment earnings will be tax free when distributed. You can start/stop/adjust your contributions at any time of the year. Combined maximum contribution $18,000 (CY2017) Investment Options: Easy Choice, Guided Choice, Open Choice, Annuity

19. MBTA Program Enroll via PeopleSoft: PeopleSoft HRMS Production>Payroll and Compensation>Tasks>MBTA Pass Enrollment • You must enroll or select a pass by the 14thof the current month to receive a pass for the following month. • All T-Passes are distributed on the last Thursday of the month for the following month. Typically department secretaries will obtain the passes for each department and distribute to enrolled employees. Unsure of which pass to select? Go to mbta.com for more information.

20. You need a Partners User Name & Password https://myprofile.partners.org/

21. Partners User Name & Password • Once you obtain your Partners User ID and create your Partners Password, you will be able to: • Access Partners e-mail • From a Partners PC: Click on the Start Menu>Partners Applications>Microsoft Outlook • From any computer: go to www.partners.org/e-mail and enter your Partners User ID & Password • Access PeopleSoft • Access all Partners Applications

22. What is ?? • Human Resources Information System which allows employees to perform transactions • View (anytime!) • Benefits Summary • Insurance Plans • Health Plans • Flexible Spending Account Activity • Enroll in Benefits • Annual Open Enrollment • New Hires • Family Status Changes • Change & Update (anytime!) • Tax Sheltered Annuity Plan • (enroll, modify $ or %)

23. Important Tips: • Check your mailing address for accuracy. Your first paycheck will be mailed to your home address. • Enter your direct deposit information by the 15th of the month.

24. . . Direct Deposit Suppress DDP Advice Print • View pay advice before the 26th. • Protect your identity! No more worries about pay advice being lost or misplaced. • PRINT ON DEMAND- A complete history of your pay advices are printable at anytime.

25. How Do I Select My Benefits? • Login to PeopleSoft • Select HRMS Production • Click on Main Menu • Select Self Service

26. eBenefits – Home Page

27. Time to Enroll!

28. Employee Name To elect, edit each plan!

29. Remember... • Submit your benefit elections online as soon as possible ! • Elections received after 30 days will NOT be processed and you will be automatically enrolled in BCBS Partners Value (individual coverage) • Benefits as well as DEDUCTIONS & CREDITS are effective on your date of hire or eligibility date • Annual Benefits Open Enrollment period (November 2017) Benefit changes made during this period will go into effect as of January 1, 2018.

30. Other Important Information • Please refer to your Enrollment Guide • Details on all benefits • Helpful websites • Eligibility requirements • Tuition Assistance • COBRA • HIPAA

31. Questions? Professional Staff Benefits Office Mass General Hospital Bulfinch Building, Room 126 Last Name Starts with Contact A-L Susan Frain (617) 726-9264 M-Z Virginia Rosales (617) 724-9356

32. Thank you for your participation Welcome to MGH

33. Medical: Partners Plus & Partners Value • Flexible • Receive care • In Partners Preferred network -lowest out of pocket cost • Plan Network (BCBS PPO) - low cost sharing • Out-of-Network care - highest out of pocket costs • Partners Plus and Partners Value are BCBS Plans PCP not required – you do not need insurance referrals to get specialty care. Recommend you use a PCP to guide your care.