Represented Employees Johns Hopkins Hospital 2015 GUIDE TO BENEFITS IMPORTANT INFORMATION Phone Numbers 410-729-8905 www.aflac.com Johns Hopkins Family Day Care Center 410-614-4111 www.jhbrighthorizons.org Care Management Program Claims or Coverage Questions 410-762-5213 410-424-4450 www.ehp.org Employee Labor Relations 410-955-6783 www.hopkinsmedicine.org/jhhr Faculty & Staff Assistance Program (FASAP) 443-997-7000 www.fasap.org Benefits Office 443-997-5400 www.hopkinsmedicine.org/jhhr 800-821-6400 www.legalplans.com Johns Hopkins Federal Credit Union 410-955-6116 www.jhfcu.org Linclon Financial Group 410-955-5828 www.hopkinsmedicine.org/jhhr/pension 800-GET-MET8 www.metlife.com/mybenefits 410-955-6211 www.hopkinsmedicine.org/hse/occupationalhealth Back Up Child & Adult Care 855-781-1303 www.care.com/backupcare Retirement Questions 443-997-3789 www.hopkinsmedicine.org/jhhr Dental Customer Service 800-516-0646 www.ucci.com Long Term Care Long Term Disability Life Insurance 800-227-4165 800-858-6843 800-445-0402 http://unuminfo.com/hopkinsmedicine www.unum.com Wellnet 410-955-9538 www.hopkinsmedicine.org/jhhr/wellnet Workers’ Compensation 410-955-6433 www.hopkinsmedicine.org/hse/workerscompensation WORKLife Programs 443-997-7000 www.hopkinsworklife.org Aflac Bright Horizons EHP Hyatt Legal Plans MetLife Prepaid Legal Auto & Homeowners Insurance Pet Insurance Occupational Health Care.com BackupCare Pension Office United Concordia Unum Memorandum To: JHH New Hires (Represented) From: Office of Benefits Administration Date: 01/01/2015 Re: Summary Plan Description & Summary of Benefits and Coverage The Johns Hopkins Summary Plan Description of Benefit Plans (SPD) gives detailed information about the plan provided under Employment Retirement Income Security Act of 1974 (ERISA). It contains the identity of the plan administrator, the requirements for eligibility and participation in the plan, circumstances that may result in disqualification or denial of benefits, and the identity of any insurers. In addition, the Summary of Benefits and Coverage (SBC) is provided as a supplement to help you understand the healthcare plan in a consistent and simplified format. The SPD and SBC can be retrieved from the Benefits section of the Human Resources website www.hopkinsmedicine.org. Click on the Benefits tab at the top of the page and then “Benefits Guides and Summary Plan Descriptions” along with the Summary of Benefits and Coverage. Next, click on the Summary Plan Description for Represented (Union) employees. The SPD displays specific information in reference to: • Pension & 403 (b) Plans • Medical & Dental Plans • Short Term Disability Insurance • Basic Life Insurance • Accidental Death and Dismemberment Insurance • Long Term Disability Insurance If you would like a free hardcopy of any of the resources listed above, contact [email protected] or 443-997-5400. Introduction The Johns Hopkins Hospital is proud of the collection of benefits made available to you. Since the benefits provided to you are an important part of your total compensation package as a Hopkins employee, you are encouraged to take some time to read this guide and become familiar with its contents. This guide gives you a brief overview of the benefits offered and is not intended to be a complete source of information on the plans. 2 2015 Guide to Benefits Eligibility EMPLOYEES All employees regularly scheduled to work 20 hours or more per week and weekend option nurses are eligible for most benefits. For all benefits except Vacation, Short-Term Disability and Tuition Assistance, coverage for new hires or newly eligible employees is effective the first day of the month following date of hire or eligibility with completion of the enrollment process. All newly hired employees have 30 days from date of hire to complete their enrollment. For Vacation and Short Term Disability beneftis, full-time employees are eligible after completion of a 90-day probationary period and part-time employees are eligible after a six-month probationary period. DEPENDENTS When you enroll in a medical, dental, and vision you may also elect coverage for: • Your children (with submission of birth certificate & social security number) up to age 26 regardless of student or marital status • Your legal spouse (with submission of marriage certificate & social security number) or your same-sex domestic partner (with completion of an Affidavit of Domestic Partnership form, if residing in a state that does not recognize same-sex marriage) If your spouse works for JHH/JHHS, you cannot be covered as both an employee and a dependent. In addition, your eligible dependents may only be covered under one plan. FAMILY STATUS CHANGES Outside of the annual Open Enrollment period, the only time during the plan year that you can add or drop coverage for dependents is when you have a family status change. Qualifying events include: marriage or divorce, birth or adoption of a child, death of a dependent, gain or loss of a spouse/same-sex domestic partner’s coverage and change you or your spouse/same-sex domestic partner’s employment status. To make a mid-year change in benefits, you must provide written proof of your family status change to the benefits office within 30 days of the qualifying event. Wellness Benefits BEGIN > LEARN > ACT HEALTHY@HOPKINS CASH REWARDS Getting healthier can be as challenging as it is beneficial. And the Healthy@Hopkins rewards program has been improved to provide bigger rewards for the small steps we each can take along our individual path to good health. Click the Asset Health icon on the JHMI Staff page at my.johnshopkins.edu or just log in at https://login.johnshopkins.edu/jhhsclasses (with your JHED ID and password) and 1. BEGIN, by registering for and completing your Personal Wellness Profile (PWP). 2. LEARN, by completing one Asset Health course. 3. ACT, track eight out of twelve weeks of healthy activity. Once the above requirements are satisfied; • Employees scheduled to work 30+ hours per week and weekend option nurses can earn $20 bi-weekly ($520 maximum annually) • All employees scheduled to work 20-29 hours per week can earn $25 each quarter ($100 maximum annually) Non-Represented Employees 3 Studies show that people who keep records of their progress are more successful in achieving weight loss, exercise, and other health-improving goals. We won’t make you count your calories, but Healthy@Hopkins Rewards can help in more ways than just keeping track of your cash. It’s easy. It’s rewarding. And yes, it can be fun! If you don’t have access to a computer or need help enrolling, please contact Human Resources at (443) 997-5400 or [email protected]. HEALTHY BEVERAGES Johns Hopkins Medicine actively supports a healthy workforce. We believe that it is our responsibility as a health care organization to promote health not only to our staff members, but to our patients and visitors as well. To achieve this, participating members of Johns Hopkins Medicine are implementing the “Rethink Your Drink” Healthy Beverage Initiative to increase the offerings of healthy beverages, with the goal of making it easier for our employees and visitors to make healthier choices. WELLNET Wellnet offers a variety of free services such as exercise programs; smoking cessation courses; health screenings; personal health coaching; weight management; educational seminars and departmental in-services. Employees can also receive up to $50 per calendar year for purchasing cardiovascular home gym equipment, as well as participating in community based, or Wellnet sponsored fitness classes. Visit http://www.hopkinsmedicine.org/human_resources/benefits/healthy_at_hopkins/ for more detailed information. You may also contact Wellnet directly at 410-955-9538 or [email protected] “INNERGY” WEIGHT LOSS PROGRAM The program combines regular phone calls from health coaches and website support to help participants set realistic goals, eat healthfully and address issues such as stress that can trigger overeating. Employees with a body mass index (BMI) of 25 or greater are eligible to participate. Visit www.hopkinsmedicine.org and search “Innergy” for more information. Medical Benefits The Johns Hopkins Employer Health Program (EHP) is a flexible medical plan that offers treatment from innetwork, out-of network, and the Hopkins network providers. Each time you or a family member needs care, you can decide which doctor and which level of service to use. You also have the option to access services without the hassle of referrals from each provider. EHP offers a comprehensive package of office visits, preventive care, diagnostic services and treatment, prescription drugs (including birth control), and hospital care. Emergency care is also covered if you are admitted to the hospital or if your physician authorizes emergency room treatment. Visit the EHP Benefits interactive Explorer Tool online at http://benefits.ehp.org/ SPECIALTY APPOINTMENT LINE 1-866-206-7210 The Johns Hopkins EHP Specialty appointment line helps facilitate “new” timely appointments for specialty care with “Hopkins Preferred Providers”. It was designed to assist EHP members of Johns Hopkins Community Physicians, Johns Hopkins Healthcare, Johns Hopkins Hospital, Johns Hopkins Health System Corporation, and Johns Hopkins Medicine international. 4 2015 Guide to Benefits The following Schedule of Benefits highlights the Johns Hopkins EHP Medical Plan. EHP NETWORK PROVIDER OUT OF NETWORK PROVIDER HOPKINS* Individual Medical: $100 / Pharmacy $0 Medical: $750 / Pharmacy: $0 Medial: $0 / Pharmacy $0 Family Medical: $200 / Pharmacy $0 Medical: $1500 / Pharmacy $0 Medical: $0 / Pharmacy $0 Individual Medical: $2000 Pharmacy: $4600 Medical: $3500 Pharmacy: No Maximum Included in EHP Network Provider Medical & Pharmacy Maximums Family Medical: $4000 Pharmacy: $9200 Medical: $7000 Pharmacy: No Maximum Included in EHP Network Provider Medical & Pharmacy Maximums Individual Unlimited Unlimited Unlimited Family Unlimited Unlimited Unlimited EHP NETWORK PROVIDER OUT OF NETWORK PROVIDER HOPKINS* Medically necessary services for anesthesia, pain control, and therapeutic purposes $30 co-pay for office visit, then 100% of allowed amount; deductible applies ($1500 annual maximum for all networks combined) 70% of R&C; deductible applies ($1500 annual maximum for all networks combined) $30 co-pay for office visit, then 100$ of allowed amount ($1500 annual maximum for all networks combined) Allergy Tests 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Desensitization materials & serum 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Medically necessary transport 100% of allowed amount; deductible waived 100% of R&C; deductible waived 100% of allowed amount Biofeedback Biofeedback $10 co-pay per day, then 100% of allowed amount; deductible waived (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) $10 co-pay, then 100% of allowed amount (pre-authorization required) Chemo & Radiation Therapy Physician visit $30 co-pay for office visit; then 100% of allowed amount; deductible applies 70% of R&C; deductible applies $30 co-pay, then 100% of allowed amount Materials and treatment 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Chiropractor restricted to initial exam, x-rays, and spinal manipulations $15 co-pay for office visit, then 100% of allowed amount; deductible applies ($1500 annual maximum for all networks combined) 70% of R&C; deductible applies ($1500 annual maximum for all networks combined) $15 co-pay for office visit, then 100% of allowed amount ($1500 annual maximum for all networks combined) Chiropractor with PT privileges (physical therapy services) Refer to Therapy Section Refer to Therapy Section Refer to Therapy Section Medically necessary services 90% of allowed amount; deductible applies; 100% of Davita Dialysis Centers; deductible waived (pre-authorization required) Breast pumps (standard) and related supplies 100% of allowed amount; deductible waived 70% of R&C; deductible applies (pre-authorization required) 100% of allowed amount for Johns Hopkins Home Care Group/Pharmaquip Contraceptive devices 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Custom DME, including custom wheelchairs 100% of allowed amount; deductible waived (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) 100% of allowed amount (pre-authorization required) Custom-molded orthotics 90% of allowed amount; deductible applies (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) 100% of allowed amount (pre-authorization required) Insulin pumps and related insulin pump supplies 100% of allowed amount; deductible waived (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) 100% of allowed amount (pre-authorization required) Hearing aids 100% of allowed amount; deductible waived (for dependent children under age 26; pre-authorization required; replacement aids once every 36 months all networks combined) 70% of R&C; deductible applies (for dependent children under age 26; pre-authorization required; replacement aids once every 36 months all networks combined) 100% of allowed amount; (for dependent children under age 26; pre-authorization required; replacement aids once every 36 months all networks combined) Non-custom medical equipment and supplies 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount for Johns Hopkins Home Care Group/Pharmaquip Prosthetic devices 100% of allowed amount; deductible waived (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) 100% of allowed amount (pre-authorization required) Emergency care (facility fees) $150 co-pay, then 100% of allowed amount; deductible waived (if admitted, ER co-pay waived); see Inpatient Facility Care for coverage $150 co-pay, then 100% of R&C; deductible waived (if admitted, ER co-pay waived); see Inpatient Facility Care for coverage $150 co-pay, then 100% of allowed amount (if admitted, ER co-pay waived); see Inpatient Facility Care for coverage Emergency care (professional fees) 100% of allowed amount; deductible waived 100% of R&C; deductible waived 100% of allowed amount Plan Year Deductible Out-of- Pocket Maximum Lifetime Maximum SERVICES & SUPPLIES (IN ALPHABETICAL ORDER) Acupuncture Allergy Tests & Procedures Ambulance Transportation Chiropractic Care Dialysis Durable Medical Equipment Emergency Services Non-Represented Employees 100% of allowed amount; 70% of R&C; deductible applies includes Davita Dialysis Centers (pre-authorization required) (pre-authorization required) 5 SERVICES & SUPPLIES (IN ALPHABETICAL ORDER) Home Health Services Medically necessary services Home infusion therapy Hospice Care Inpatient and home hospice Inpatient Care including newborn nursery care; NICU (facility fees) Inpatient Care (professional fees) Skilled nursing/ rehabilitation facility Hospital Care Short-term acute rehabilitation Observation care (facility fees) Hyperbaric Oxygen Therapy Methadone Treatment Mental Health & Substance Abuse Services 90% of allowed amount; deductible applies (pre-authorization required) 100% of allowed amount for 70% of R&C; deductible applies services through Johns Hopkins Home Care Group (pre-authorization required) (pre-authorization required) 100% of allowed amount; 70% of R&C; deductible applies deductible waived (pre-authorization required) (pre-authorization required) $300 co-pay per admission, then 90% of allowed amount; $500 co-pay per admission, then deductible applies (semi-private, 70% of R&C; deductible applies unless private room is medically (semi-private, unless private room is medically necessary; necessary; pre-authorization pre-authorization required) required) 90% of allowed amount; deductible applies First 30 days annually covered at 100% of allowed amount, remaining days at 90% of allowed amount; deductible applies (120 days per year maximum all networks combined for medically necessary services; pre-authorization required) First 30 days annually covered at 100% of allowed amount, remaining days at 90% of allowed amount; deductible applies (120 days per year maximum all networks combined for medically necessary services; pre-authorization required) 100% of allowed amount (40 visits per year maximum for all networks combined; pre-authorization required) 100% of allowed amount (pre-authorization required) $150 co-pay per admission, then 100% of allowed amount (semi-private, unless private room is medically necessary; pre-authorization required) 70% of R&C; deductible applies 100% of allowed amount 70% of R&C; deductible applies (120 days per year maximum all networks combined for medically necessary services; pre-authorization required) 100% of allowed amount (120 days per year maximum all networks combined for medically necessary services; pre-authorization required) 70% of R&C; deductible applies (120 days per year maximum all networks combined for medically necessary services; pre-authorization required) 100% of allowed amount (120 days per year maximum all networks combined for medically necessary services; pre-authorization required) $150 co-pay, then 100% of $150 co-pay, then 100% of R&C; $150 co-pay, then 100% of allowed amount; deductible deductible waived (if admitted, allowed amount (if admitted, waived (if admitted, observation observation co-pay waived; see observation co-pay waived; see co-pay waived; see Inpatient Inpatient Facility Care for Inpatient Facility Care for Facility Care for coverage) coverage) coverage) 100% of allowed amount; deductible waived 100% of allowed amount Outpatient surgery & ambulatory surgical center (facility fees) 90% of allowed amount; deductible applies (includes freestanding surgical centers) 70% of R&C; deductible applies 100% of allowed amount Outpatient surgery & ambulatory surgical center (professional fees) 90% of allowed amount; deductible applies (includes outpatient testing prior to outpatient surgery) 70% of R&C; deductible applies (includes outpatient testing prior to outpatient surgery) 100% of allowed amount (includes outpatient testing prior to outpatient surgery) Medically necessary services 90% of allowed amount; deductible applies (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) 100% of allowed amount (pre-authorization required) Home infusion therapy 90% of allowed amount; deductible applies (pre-authorization required) 100% of allowed amount for 70% of R&C; deductible applies services through Johns Hopkins (pre-authorization required) Home Care Group (pre-authorization required) Outpatient infusion therapy 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Injections 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Material and serum 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Preventive immunizations for communicable diseases 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Travel immunizations 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Laboratory test including pathology Medically necessary outpatient care 90% of allowed amount; 70% of R&C; deductible applies deductible applies $10 co-pay, then 100% of allowed 70% of R&C; deductible applies amount; deductible waived (pre-authorization required) (pre-authorization required) $10 co-pay; then 100% of allowed amount (pre-authorization required) Outpatient mental health care (facility fees) $10 co-pay, then 100% of allowed 70% of R&C; deductible applies amount; deductible waived $10 co-pay, then 100% of allowed amount Outpatient mental health care (professional fees) $10 co-pay, then 100% of allowed 70% of R&C; deductible applies amount; deductible waived $10 co-pay, then 100% of allowed amount Inpatient mental health care (facility fees) Inpatient mental health care (professional fees) Outpatient substance abuse care (facility fees) Outpatient substance abuse care (professional fees) 6 100% of allowed amount; of R&C; deductible applies deductible waived (40 visits per 70% per year maximum for year maximum for all networks (40 visits all networks combined; combined; pre-authorization pre-authorization required) required) HOPKINS* 100% of allowed amount; deductible waived Immunizations Laboratory OUT OF NETWORK PROVIDER Observation care (professional fees) Infusion Therapy Injections EHP NETWORK PROVIDER 100% of allowed amount $150 co-pay per admission, co-pay per admission, then $150 co-pay per admission, then then 100% of allowed amount; $500 70% of R&C; deductible applies 100% of allowed amount deductible waived (pre-authorization required) (pre-authorization required) (pre-authorization required) 100% of allowed amount; deductible waived $10 co-pay, then 100% of allowed amount; deductible waived $10 co-pay, then 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount 70% of R&C; deductible applies $10 co-pay, then 100% of allowed amount 70% of R&C; deductible applies $10 co-pay, then 100% of allowed amount 2015 Guide to Benefits SERVICES & SUPPLIES (IN ALPHABETICAL ORDER) Inpatient substance abuse care (facility fees) Inpatient substance abuse care (professional fees) Mental Health & Substance Abuse Services Intensive outpatient program Partial hospital facility services Nutritional Counseling Office Visits for Treatment of Illness or Injury Preventive Services Private Duty Nursing Radiology Procedures EHP NETWORK PROVIDER OUT OF NETWORK PROVIDER $150 co-pay per admission, then $500 co-pay per admission, then 100% of allowed amount; 70% of R&C; deductible applies deductible waived (pre-authorization required) (pre-authorization required) 100% of allowed amount; deductible waived $10 co-pay per day, then 100% of allowed amount; deductible waived (pre-authorization required) $10 co-pay per day, then 100% of allowed amount; deductible waived (pre-authorization required) HOPKINS* $150 co-pay per admission, then 100% of allowed amount (pre-authorization required) 70% of R&C; deductible applies 100% of allowed amount 70% of R&C; deductible applies (pre-authorization required) $10 co-pay per day, then 100% of allowed amount (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) $10 co-pay per day, then 100% of allowed amount (pre-authorization required) Medication management $10 co-pay, then 100% of allowed 70% of R&C; deductible applies amount; deductible waived $10 co-pay, then 100% of allowed amount Mental health testing and procedures $10 co-pay, then 100% of allowed 70% of R&C; deductible applies amount; deductible waived (pre-authorization required) (pre-authorization required) $10 co-pay, then 100% of allowed amount (pre-authorization required) Medically necessary services $30 co-pay for office visit, then 70% of R&C; deductible applies 100% of allowed amount; deductible applies (limited to 6 (limited to 6 visits per plan year for all networks combined; visits per plan year for all additional visits must be networks combined; additional pre-authorized) visits must be pre-authorized) $15 co-pay, then 100% of allowed amount (limited to 6 visits per plan year for all networks combined; additional visits must be pre-authorized) Primary care office visit only (Adult) Designated Medical PCP: $10 co-pay; deductible waived; Non-Designated Medical PCP: $20 co-pay; deductible waived 70% of R&C; deductible applies Designated Medical PCP: $10 co-pay; Non-Designated Medical PCP: $20 co-pay Primary care office visit (Pediatric: Age 19 and under) Designated Medical PCP: $10 co-pay; deductible waived; Non-Designated Medical PCP: $20 co-pay; deductible waived 70% of R&C; deductible applies Designated Medical PCP: $10 co-pay; Non-Designated Medical PCP: $20 co-pay Primary care office visit only (GYN) GYN PCPs: $10 co-pay; deductible waived 70% of R&C; deductible applies GYN PCPs: $10 co-pay Specialty care office visit only (Adult & Pediatric) $30 co-pay for office visit; deductible applies 70% of R&C; deductible applies $30 co-pay, then 100% of allowed amount Treatment and diagnostic services in the office 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Preventive exam (PCP, GYN, and Well Child care) 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Diagnostic services for preventive exam Routine preventive screening: mammogram, colonoscopy, PAP test, etc. 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Routine hearing exams 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Private Duty Nursing Not Covered Not Covered Not Covered Advance imaging including MRI, CT and PET scans 90% of allowed amount; deductible applies 70% of R&C; deductible applies $50 co-pay, then 100% of allowed amount All other imaging studies; including X-Ray and Ultrasound 90% of allowed amount; deductible applies 70% of R&C; deductible applies $10 co-pay, then 100% of allowed amount Physician office visits (prenatal care only) 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Covered at Johns Hopkins Fertility Center only; 100% of allowed amount after separate $1000 lifetime deductible (deductible applies to services attached to the IVF authorization for treatment; deductible does not apply to testing; (pre-authorization required for all services and prescriptions; all criteria must be met; $30,000 lifetime maximum combined including prescription drugs, lab work and X-rays, in vitro fertilization attempts limited to a maximum of three per lifetime within the $30,000 lifetime maximum, all services provided at Johns Hopkins Fertility Center only; member must be enrolled in the EHP Plan for one year before beginning infertility treatment) Infertility treatment Covered at Johns Hopkins Fertility Center only Covered at Johns Hopkins Fertility Center only Birthing center (facility fees) 100% of allowed amount; deductible applies 70% of R&C; deductible applies Not Available Birthing centers (professional fees) 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% Reproductive Health $300 co-pay per admission, then $500 co-pay per admission, then Inpatient maternity care and $150 co-pay per admission, then 90% of allowed amount; delivery; newborn nursery care; 70% of R&C; deductible applies 100% of allowed amount deductible applies NICU (facility fees) (pre-authorization required) (pre-authorization required) (pre-authorization required) Non-Represented Employees Inpatient maternity care and delivery; newborn nursery care; NICU (professional fees) 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Interruption of pregnancy 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount 7 EHP NETWORK PROVIDER OUT OF NETWORK PROVIDER HOPKINS* Female sterilization (professional services for surgery, anesthesia and related pathology) 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Male sterilization (professional services for surgery, anesthesia and related pathology) 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount Surgical treatment for morbid obesity Covered at Johns Hopkins Bayview Medical Center only Covered at Johns Hopkins Bayview Medical Center only Covered at Johns Hopkins Bayview Medical Center only; $150 inpatient facility co-pay, then 100% of allowed amount for professional fees (pre-authorization required) Primary care office surgical procedures 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Specialist care office surgical procedures 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount SERVICES & SUPPLIES (IN ALPHABETICAL ORDER) Reproductive Health Surgical Procedures Outpatient surgery (including freestanding surgical centers) (facility fees) Outpatient surgery (including freestanding surgical centers) (professional fees) Inpatient surgery (facility fees) Therapy Urgent Care Center $300 co-pay per admission, then $500 co-pay per admission, then $150 co-pay per admission, then 90% of allowed amount; 70% of R&C; deductible applies 100% of allowed amount deductible applies (pre-authorization required) (pre-authorization required) (pre-authorization required) Inpatient surgery (professional fees) 90% of allowed amount; deductible applies 70% of R&C; deductible applies 100% of allowed amount Habilitative services for children under the age of 19 90% of allowed amount; deductible applies (pre-authorization required) 70% of R&C; deductible applies (pre-authorization required) $10 co-pay, then 100% of allowed amount (pre-authorization required) Physical therapy/occupational therapy medically necessary services 90% of allowed amount; $10 co-pay, then 100% of allowed deductible applies (60 visits per 70% of R&C; deductible applies amount (60 visits per year year maximum for all networks (60 visits per year maximum for maximum for all networks all networks combined; PT/OT combined; PT/OT combined; PT/OT pre-authorization required for pre-authorization required for pre-authorization required for visits 13-60) visits 13-60) visits 13-60) Speech therapy (non-developmental medically necessary services) 90% of allowed amount; of R&C; deductible applies $10 co-pay, then 100% of allowed deductible applies (30 visits per 70% amount (30 visits per year per year maximum for year maximum for all networks (30 visits maximum for all networks all networks combined; combined; pre-authorization combined; pre-authorization pre-authorization required) required) required) $10 co-pay, then 100% of allowed amount (pre-authorization required) $10 co-pay, then 100% of allowed 70% of R&C; deductible applies amount (pre-authorization required) Pulmonary rehabilitation 90% of allowed amount; deductible applies Cardiac rehabilitation 90% of allowed amount; deductible applies Vision Therapy Not Covered Not Covered Not Covered Physician visit $25 co-pay; deductible waived 70% of R&C; deductible applies $25 co-pay; deductible waived Diagnostic services and treatment 100% of allowed amount; deductible waived 70% of R&C; deductible applies 100% of allowed amount 70% of R&C; deductible applies PHARMACY When you enroll in the Johns Hopkins EHP medical plan, you receive a prescription drug benefits. This fourtier benefit structure offers savings for using EHP’s approved drug formulary listing. There is a mail order option for most maintenance medications. Visit www.ehp.org and search “pharmacy” for details. OVER-THE-COUNTER (OTC) MEDICATIONS Over the counter (OTC) drugs or medication can typically be obtained without a prescription, regardless of whether or not your doctor gives you a prescription for it. However, prescription drug benefits are provided for Prilosec OTC, Claritin OTC and Claritin-D OTC, but only if your doctor prescribes these drugs and you show the pharmacist your prescription at time of purchase. A $10 co-pay applies when you obtain a prescription for Prilosec OTC, Claritin OTC and Claritin-D OTC. The following chart highlights the Johns Hopkins EHP Pharmacy Plan. PRESCRIPTION DRUGS Oral Contraceptives Prescription Drugs 8 Generic Preferred Brand Non-Preferred Brand Specialty Medications Generic Preferred Brand Non-Preferred Brand Brand with Generic Equivalent Specialty Medications IN NETWORK RETAIL PHARMACY (30-DAY SUPPLY) IN NETWORK RETAIL PHARMACY (90-DAY SUPPLY) MAIL ORDER (90-DAY SUPPLY) $0 $30 $50 $50 $10 $30 $50 $65 $50 $0 $90 $150 $0 $60 $100 Restricted to 30-day retail supply only Restricted to 30-day retail supply only $30 $90 $150 $195 $20 $60 $100 $130 Restricted to 30-day retail supply only Restricted to 30-day retail supply only 2015 Guide to Benefits VISION The Johns Hopkins routine vision care network provides a full range of optometry and ophthalmology vision care services, administered on an annual basis, from any in-network or out-of-network provider. If you receive care from a non-network provider, your benefits will be limited and you will pay more money for certain services. Visit www.ehp.org and search “Explore your Benefits”. Then select 2015 Vision for details. COST OF COVERAGE For 2015, bi-weekly, pre-tax medical contributions are as follows: Salary Tier 1: under $30,999 Tier 2: $31,000 to under $49,999 Tier 3: Over $50,000 FULL TIME Scheduled 30 or more hours per week or weekend option nurses Non Tobacco-User Tobacco-User Under $30,999 $31,000 $49,999 Over $50,000 Under $30,999 $31,000 $49,999 Over $50,000 Employee $25.02 $27.19 $27.74 $35.02 $37.19 $37.74 Employee & Children $65.68 $71.39 $72.82 $75.68 $81.39 $82.82 Employee & Spouse $93.46 $101.59 $103.62 $103.46 $111.59 $113.62 Family $100.96 $109.74 $111.93 $110.96 $119.74 $121.93 Salary PART TIME Non Tobacco-User Scheduled 20-29 hours per week Tobacco-User Under $30,999 $31,000 $49,999 Over $50,000 Under $30,999 $31,000 $49,999 Over $50,000 98.60 $99.63 $103.22 $108.60 $109.63 $113.22 Employee & Children $197.20 $199.26 $206.45 $207.20 $209.26 $216.45 Employee & Spouse $245.52 $248.08 $257.03 $255.52 $258.08 $267.03 Family $265.24 $268.01 $277.68 $275.24 $278.01 $287.68 Salary Employee DENTAL Johns Hopkins EHP offers two dental plans (Comprehensive & High Option), whose plan administrator is United Concordia. With each of the two plan options, you may receive care in-network or out-of-network. The following chart provides comparison of the two Johns Hopkins Dental plans. COVERED SERVICES COMPREHENSIVE In-Network HIGH OPTION In-Network In-Network In-Network Calendar Year Deductible Per individual None $50 None $50 Per family None $150 None $150 Exams Twice per year 100% 80% of R&C, after deductible 100% 80% of R&C, after deductible X-rays Twice per year 100% 80% of R&C, after deductible 100% 80% of R&C, after deductible Fillings 80% 60% of R&C, after deductible 80% 60% of R&C, after deductible Oral Surgery 80% 60% of R&C, after deductible 80% 60% of R&C, after deductible Crowns, inlays and overlays 50% 30% of R&C, after deductible 60% 40% of R&C, after deductible Bridges 50% 30% of R&C, after deductible 60% 40% of R&C, after deductible Not covered Not covered 50% up to lifetime maximum Not covered Combined Maximum Annual Benefit Preventive Services Basic Service Major Service Orthodontia Lifetime Maximum benefit of $1,500 Non-Represented Employees 9 COST OF COVERAGE For 2015, bi-weekly, pre-tax dental contributions are as follows: FULL TIME PART TIME Scheduled 30 or more hours per week or weekend option nurses Scheduled 20-29 hours per week Comprehensive High Option Comprehensive High Option Employee $4.83 $6.53 $7.32 $9.57 Employee & Children $9.65 $13.07 $14.66 $19.14 Employee & Spouse $13.27 $17.97 $20.15 $26.32 Family $14.48 $19.60 $21.99 $28.71 Insurance SHORT TERM DISABILITY Employees who are regularly scheduled to work 20 or more hours per week, except weekend option nurses, are automatically eligible to participate in Short Term Disability, effective the first day of the month following your date of hire. However, you must complete your probationary period to be eligible to receive STD benefits. Short Term Disability benefits replace 60 percent of your bi-weekly base pay for up to 24 weeks of disability, after a 14-day elimination period. Short Term Disability benefits are separate from Family Medical (FML) benefits. LONG TERM DISABILITY Long-Term Disability Insurance replaces 60 percent of your monthly base pay, to a maximum of $8,000 per month, after you have been continuously disabled for 26 weeks. Benefits may continue up to age 65 as long as you are certified disabled by the insurance carrier. If you are certified disabled due to a mental illness, alcoholism, substance abuse, or self reported symptoms, benefits are paid up to a maximum of 24 months. See below for more detailed information; Visit www.hopkinsmedicine.org and search “Disability” for more information. PROOF OF GOOD HEALTH When electing disability during initial hire, you are not required to provide proof of good health. However, if you are electing coverage any time after your first 30 days of employment, you will need to provide proof of good health. The insurance company must approve your coverage before your new benefit can become effective. Payroll deductions will not begin until coverage is approved. FAMILY AND MEDICAL LEAVE Up to 12 weeks of unpaid job-protected leave is given to employees for certain family and medical reasons under the Family and Medical Leave Act (FMLA) of 1993. You are eligible if you have worked for JHHSC/JHH for at least one year and for 1,250 hours over a period of 12 months. Family Medical Leave (FML) runs concurrently with any other paid or unpaid leave (i.e., short term disability, workers’ compensation, Vacation, or any unpaid absence that qualifies under FMLA). To download forms, visit http://intranet.insidehopkinsmedicine.org/human_resources/download_forms/ or call 443-997-5400. LONG TERM CARE INSURANCE (LTC) Long Term Care insurance is a voluntary program that can help you preserve your independence, as well as help relieve your families’ stress in the event that you need home care, nursing home care, or assisted living care. Premiums payments are made through convenient payroll deduction and coverage is also available for spouses in addition to parents of employees. Discounts are available for preferred health and spousal coverage. Visit http://unuminfo.com/hopkinsmedicine for more information. 10 2015 Guide to Benefits LIFE INSURANCE Basic Life & Accidental Death and Dismemberment All employees regularly scheduled to work 20-29 hours per week and have completed 12 months of service are eligible for $4,000 of Basic Life Insurance in the event of their death. All employees who are regularly scheduled to work 30-40 hours per week are eligible to receive $1,000 of Basic Life Insurance during the first 12 months of service. After 12 months, employees are eligible for one times their annual salary, up to $50,000. Your life insurance also includes basic accidental death & dismemberment (AD&D) insurance, which is equal to the amount of life insurance coverage to which you are entitled. AD&D may pay benefits if you die or suffer certain serious injuries as a result of an accident. Visit www.hopkinsmedicine.org and search “Health and Life” for more information. Education TUITION ASSISTANCE After 60 days of employment (Courses starting after 61 days after hire date and later), employees regularly scheduled to work 20 or more hours per week are eligible for education assistance for degree seeking studies. Assistance is provided only if you attend an accredited college/university for studies towards an approved degree. In this educational partnership, you agree to work for JHHSC/JHH for a predetermined period of time as detailed within the JHHSC/JHH Tuition Assistance Policy (HR332). As an employee hired following 1/1/2007, you are eligible for assistance as follows: • $10,000 per fiscal year (July 1st to June 30th) for degree seeking studies (AA/AS, BA/BS, Master’s, PhD, JD, etc.) with satisfactory completion of approved courses as detailed further within the full policy. • $15,000 per fiscal year (July 1st to June 30th) for degree seeking studies (AA/AS, BA/BS, Master’s, PhD, JD, etc.) at Johns Hopkins School of Nursing only with satisfactory completion of approved courses as detailed further within the JHHSC/JHH Tuition Assistance Policy (HR332). • $15,000 per fiscal year (July 1st to June 30th) for approved Accelerated MBA/MHS programs only with satisfactory completion of approved courses as detailed further within the JHHSC/JHH Tuition Assistance Policy (HR332). ***View the full Tuition Assistance Policy online at www.hopkinsmedicine.org/jhhr (Policy #HR332). ***Please direct tuition related inquiries to [email protected]. DEPENDENT CHILD TUITION Full time employees (regularly scheduled 40 or more hours per week) who have at least two years of continuous fulltime service are eligible to receive assistance towards their dependent child(ren)’s college tuition. The dependent must be enrolled in undergraduate studies taking a minimum of 12 credits per semester. Assistance is available for mini-sessions and summer courses only if the courses will count towards a degree and the dependent child is a full-time student already participating in the Dependent Tuition Assitance Program for a previous fall or spring semester, and the student has not received the maximum benefit allowance for the Fiscal year. Accredited institutions that do not offer degrees, but instead issue diplomas or certificates, are not eligible. Payment is for 50 percent of the tuition and eligible mandatory academic fees and combined with grants, scholarships, awards, employers benefits, etc. (excluding loans) cannot exceed 100 percent of the tuition and eligible mandatory fees. The benefit is available up to a maximum of 50 percent of The Johns Hopkins University’s freshman undergraduate tuition. Payment is limited to four years of full-time, undergraduate study per dependent child at any accredited, degree-granting institution. Room and board, books, part-time and graduate study are not eligible. View the full Dependent Child Tuition Assistance Policy online at www.hopkinsmedicine.org/jhhr (Policy #HR335). Non-Represented Employees 11 Time Off Benefits/Holidays VACATION If you are scheduled to work 20 hours or more per week, you are eligible for two weeks of vacation. After six months of employment, you are eligible to use one week (five days) of your vacation entitlement. The remaining week (five days) can be used after the completion of your first year of service. The qualifying date for receiving your annual vacation entitlement is your employment anniversary date. Part-time employees will receive vacation accumulations and vacation pay on a prorated basis, based on their regularly scheduled hours of work. The following vacation schedule is for full-time employees with one or more years of service: After 1 year 10 days per year, 80 hours per year After 2 years 12 days per year, 96 hours per year After 5 years 15 days per year, 120 hours per year After 10 years 21 days per year, 168 hours per year After 20 years 27 days per year, 216 hours per year FREE DAYS In addition to vacation time, you are eligible to receive up to three free days per year. During your first year of employment, the number of free days you receive is based on your hire date, as shown in the following chart. Free days can be used after the completion of the 90 day probationary period. All unused free days will expire at the end of the calendar year. December 1 - February 28 3 days March 1 - May 31 2 days June 1 - August 31 1 day HOLIDAYS JHH provides you with seven paid holidays each year. You are eligible for holidays immediately after employment. Part-time employees are paid for holidays on a pro-rated basis according to the number of hours they are scheduled to work. The seven observed holidays are: • New Year’s Day • Martin Luther King, Jr. Day • Memorial Day • Independence Day • Labor Day • Thanksgiving • Christmas Day OTHER PAID LEAVE JHH grants other paid leave to employees once they have completed the 90-day probationary period, as shown on the chart below: REASON FOR LEAVE BENEFIT Death of immediate family member Up to three days off within one week of death (prorated for part-time employees) Jury duty Employee receives regular pay Annual military leave The difference between regular pay and military pay up to 10 days per year For PTO Policies and information about additional paid leave benefits, visit www.hopkinsmedicine.org and search “PTO”. 12 2015 Guide to Benefits SICK TIME Full-time employees, regularly scheduled 40 hours per week, are eligible for paid sick time after the completion of their 90-day probationary period. During the first two years of service, sick time is accrued at the rate of fivesixths (5/6) of one day for each month of employment. After two years of service, employees are eligible for 10 days of sick time per year. Regular part-time employees, working 20 or more hours each week, will accrue sick time prorated, based on the number of hours they are scheduled to work. The maximum amount of sick time to may be accrued is 65 regular work days (520 hours). Employees may also use sick time for the illnesses of their children, spouse, or parent. Retirement Benefits PENSION PLAN You can participate in the Pension Plan after one year of employment during which you have worked 1,000 or more hours if you are over 21 years old; or, if you are under 21 and after completing three years of employment and 1,000 or more hours per year. JHH pays the full cost of this basic retirement benefit after you’ve met the five year vesting requirement. Your benefit is calculated using a formula based on your length of Hopkins service, earnings (final average). You may receive additional information by contacting the Pension Office at 443-997-3789. RETIREE MEDICAL/DENTAL Retiring employees who are at least age 62 with 25 years of service may elect to continue their EHP medical plan until they become eligible for Medicare or for a maximum of 36 months, under COBRA. This can help bridge the gap in medical insurance for employees and their spouses prior to Medicare eligibility at age 65. Retiree Dental is offered by MetLife who has two dental plans for retirees and dependents. Both plans include access to a comprehensive network of dentists across the country. RETIREMENT SAVINGS PLAN [403(b)] In addition to your Pension Plan benefit, you may participate in the 403(b) program. New employees will be automatically enrolled in the 403(b) program with an initial 2% pre-tax contribution level unless you elect not to participate. You may also elect to have a different percentage of your salary deposited into an account each pay period on a pre-tax and after-tax (“Roth”) basis. Contact the Lincoln Financial Office directly at 410-955-5828. You may receive additional information by contacting the Pension Office at 443-997-3789 or [email protected]. Visit www.hopkinsmedicine.org and search “Pension” for more information. Voluntary Benefits JOHNS HOPKINS FEDERAL CREDIT UNION As an employee of Johns Hopkins, you are eligible to join the Johns Hopkins Federal Credit Union (JHFCU) and take advantage of their competitive, high-quality financial services. JHFCU has a network of over 29,000 ATMs (including over 1,500 M&T and over 28,000 CO-OP Network ATM’s available to JHFCU members without surcharges). With a full range of savings and loan products and branches conveniently located at various locations, JHFCU is a smart and trusted banking option. To learn more about the benefits of JHFCU, please call 410-534-4500 or visit www.jhfcu.org. Non-Represented Employees 13 AFLAC Aflac provides income protection when you miss work because of an accident or injury. They offer cancer, accident, hospital and recovery protection policies, as well as protection if you have a stroke or heart attack. Benefits include services not covered under your medical plan that can be costly, such as travel expenses while seeking treatment, lost wages and home care. You can pay for these voluntary programs through payroll deductions on a pre-tax basis. For more information, email [email protected] or call 410-729-8905. ADOPTION ASSISTANCE A lump sum payment of up to $5,000 to help with adoption expenses is available for eligible employees who adopt a child. This lump sum payment can be used to assist with agency adoption fees, court costs, attorney fees, and round-trip transportation to bring the child home. Visit the web address below for more details: http://www.hopkinsmedicine.org/human_resources/benefits/health_life/voluntary.html#AdoptionCont EMPLOYEE ASSISTANCE The Johns Hopkins Faculty and Staff Assistance Program (FASAP) is a resource for all current Hopkins employees. FASAP is a professional counseling service offered at no cost to assist employees in managing the challenges of daily living. FASAP can help identify stresses and problems and support an employee in handling those issues. The program offers short-term counseling and provides suitable resources to assist employees. Visit the website at www.fasap.org or call 443-997-7000. LIVE NEAR YOUR WORK The Johns Hopkins Health System, in partnership with the City of Baltimore and the State of Maryland provides financial assistance for eligible employees to purchase homes in designated areas near their place of employment via two programs. “Live Near Your Work” and “House Keys for Employees.” Visit www.jhu.edu/lnyw or call 443-997-7000 BACK-UP CHILD AND ADULT CARE Care.com/BackupCare provides emergency child or elder care services on a seven-day-a-week availability. Backup child care providers have been screened, bonded and trained and will come to the employee’s home in those circumstances where this service will enable the employee to go to work. JHHSC/JHH shares in the cost of this service. Pre-registration is required. Visit http://www.hopkinsmedicine.org/human_resources/benefits/ “download forms” or call 443-997-5400. METLIFE (AUTO, HOME, LIFE AND PET DISCOUNT PROGRAMS MetLife offers special group rates and the opportunity to pay by payroll deduction. In addition to low group rates, receive discounts for paying by payroll deduction, your years of JHHSC/JHH service and your good student status. MetLife offers discounts in the amounts of 10% though 20%. Additionally, MetLife, through Veterinary Pet Insurance, provides a 5% discount for your pet, including dogs, cats, birds, etc. For more information call 1-800-GET-MET-8 or visit www.metlife.com/mybenefits. Identify yourself as a JHHSC/JHH employee and provide your employee badge I.D. number, as verification. PRE-PAID LEGAL Hyatt Legal Plans offers a special group rate to employees who participate in their pre-paid legal plan. For a deduction of just $15 per month you can receive legal advice for a wide range of legal matters, including: Identity theft, defense of civil lawsuits, will preparation, pre-marital agreements, real estate matters and more. Call 1800-821-6400 or visit www.legalplans.com for more information. 14 2015 Guide to Benefits Employee Discounts PRESCRIPTION DRUGS Hopkins employees receive a $5 co-pay discount at the Monument St. Outpatient Pharmacy, Bayview Outpatient Pharmacy, and Zayed Arcade Pharmacy when you present your badge at time of purchase. HOPKINS CORPORATE PERKS You can save up to 75% off hotels, airline tickets, brand name products, and more, by registering online. Visit http://hopkins.corporateperks.com and enter the company code “hopkins.” For more information contact the Benefits Office at 443-997-5400. New Hire Enrollment Instructions After attending benefits orientation, you’ll be able to log into the enrollment system to take the required wellness courses, make your benefit elections and complete your wellness profile. If you are unable to access any part of the site immediately after orientation, please wait until Wednesday and try again. Follow the steps outlined below to gain access to the enrollment site and to enroll in benefits. ❑ Visit the My Johns Hopkins Web site (https://my.johnshopkins.edu) to obtain your JHED ID and password. Instructions on obtaining your JHED ID and password are attached. ❑ Log into the My Johns Hopkins Web site with your JHED ID and password. Instructions on how to log in are attached. ❑ Once you’ve logged in, click the JHMI Staff tab button near the middle of the screen, scroll down the JHMI Staff page until you see the JHHS Resources box on the left. In the JHHS Resources Box ❑ Click the Asset Health button to complete the required courses. You must complete any one of the following courses before you can enroll in benefits. ❍ Fundamentals of My Employee Benefit Health Plan ❍ Understanding Health Care Flexible Spending Accounts ❍ My Primary Care Physician ❑ On the Resources tab, click the “Enrollment” button and follow the instructions on each screen to make your elections. Be sure to print a confirmation statement for your records. Once you’ve completed the on-line enrollment portion, be sure to visit the HR Web site to access and print all other forms, as applicable. All enrollment forms should be returned to the Human Resources Department front desk, Nelson 7. ❍ Care.comBackup care ❍ MTA Commuter Plus Program http://www.hopkinsmedicine.org/human_resources/benefits/index.html HAVE QUESTIONS ABOUT ENROLLING? Contact the Human Resources Department at 443-997-5400. Non-Represented Employees 15 How Do I Find My JHED ID? The first step in initiating your JHED account is to determine your JHED Login ID. You can find your Login ID by performing a lookup on yourself from any campus computer. This can be achieved by going to http://my.johnshopkins.edu, entering your name in the Search box at the top-right of the screen, and clicking Go. If you find your name in the JHED Search Results screen, you may click your name to view detailed information about yourself. If you are logging in from a campus computer, your JHED Login ID or LID will be displayed near the top of the detail screen. If you cannot conveniently get to a campus computer or have access but cannot find yourself in the directory you must call the HITS Help Desk at 410-516-HELP for assistance. If you are not able to access the site on your day of hire, wait a day or two and try again. Your initial log in must be from a campus computer. Once you have logged in from the campus computer, you’ll be able to access the site from your home computer. 16 2015 Guide to Benefits The benefits described in this booklet are for represented employees only. You may work for The Johns Hopkins Health System Corporation or for The Johns Hopkins Hospital. The Johns Hopkins Health System Corporation and The Johns Hopkins Hospital expect to continue these plans indefinitely but reserve the right to modify, amend, suspend or terminate any plan at any time and for any reason without prior notification. You will be notified of any changes to these plans and how they affect your benefits, if at all. The plans described in this booklet are governed by insurance contracts and self-insured plan documents, which are available for examination in the HR Service Center. We have attempted to make the explanation of the plans in this booklet as accurate as possible. However, should there be a discrepancy between this booklet and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions of the plans, since the written descriptions in the insurance contracts or plan documents will always govern. Fall 2014 for 2015 Plan Year The Johns Hopkins Hospital
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