2020 United States Benefits Helping you live well across the continuum of health and care
Hawaii
Benefits questions? Visit Workday!
CONTENTS Overview & Welcome 2 Health Care 5 Dental 7 Vision 8 Leaves & Disability Plans
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Life Insurance & Travel Plans
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Supplemental Insurance 11 Personal Accident Critical Illness
Legal Plan 12 Savings & Retirement
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My Life Resources (Associate Assistance Program) 14 Time Off 15 Long Term Care 16 Additional Benefits 17 Dependent Care FSA Commuter Benefit Corporate Discounts Tuition Reimbursement
Price Tags 19 Glossary 21 Contacts 23 This is a brief overview of Cerner Benefits and Policies. For complete plan and Policy details, including eligibility requirements, see the Benefit Plan or Policy documents on the Cerner wiki HR Knowledge Base.
Health & Well-being Savings & Retirement Time & Life At Cerner, our work is far more than just a job; it’s a passion that can have a meaningful and lasting input on the health and care that others receive every single day. We believe in offering benefits that align with our vision for the health care industry worldwide with options that meet your physical, financial and emotional needs while supporting a healthy lifestyle. As a consumer of health care, you have the right to information, quality care, expedited reimbursement and increased convenience. Our Healthe at Cerner programming offers holistic programs, services and tools that meet you wherever you are in your health and care journey. Healthe at Cerner is designed to empower you and your family to obtain your optimal level of health.
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Simplicity, choice and flexibility Cerner offers a complete set of benefits to address your physical, financial and emotional health. At Cerner, we believe the foundation for a successful career starts with a variety of options that meet your needs while supporting a healthy lifestyle.
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Benefits questions? Visit Workday! Visit the Workday Benefits worklet to access additional information on your Cerner benefits. https://workday.cerner.com/
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Health Care HMSA Preferred Provider Organization
HMSA’s Preferred Provider Organization (PPO) health plan is a cornerstone to our approach to health. The HMSA PPO Plan provides the security of comprehensive coverage with a focus on preventive care. As a member of the HMSA health plan, you can take an active role in your health care decisions, by choosing HMSA Participating Providers. This approach gives you more control of your health care expenses. The HMSA health plan also provides you with educational resources, decision-making tools and easy access to information. See page 19 for benefit premiums/price tags.
Providers
You should use the providers in the network offered by HMSA to receive the highest level of benefits. These in-network providers are contracted at a savings for both plan and member. Your benefits may be different depending on the category of provider that you receive care from. In general, you will get the maximum benefit possible when you receive services from an HMSA participating provider. HMSA also provides national access to a comprehensive network of providers, including on the mainland through BlueCard PPO. It is the member’s responsibility to confirm they are using an in-network provider prior to the first visit or service.
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Health Care Prescription Drug Coverage
HMSA provides you with comprehensive prescription coverage, as part of your HMSA benefits. The national network of pharmacies provides 30-day supplies to plan members as well as 90day supplies at preferred providers and mail-order prescriptions. HMSA provides members with important pharmacy information, including your claims and benefits, medication education and prices, and mail-order services.
Preventive Care
The HMSA PPO health plan covers preventive care at 100%. This means you and your covered dependents are eligible for important preventive services, which can help you avoid illness and improve your health. You will not have to pay towards your deductible and cost-share to receive preventive health services from an in-network provider. These services include recommended screenings, vaccinations and counseling.
Health Care Flexible Spending Account
A Flexible Spending Account (FSA) is provided to allow you to pay for eligible expenses with pre-tax dollars. The Health Care FSA may be used for reimbursement of eligible medical expenses incurred by you and/or your eligible dependents. • Your minimum annual deposit to the FSA is $250 • Your maximum annual deposit to the FSA is $2,700 You do not have to be enrolled in the health plan to enroll in the FSA. FSA dollars do not rollover from year to year and must be used by March 15 of the following plan year.
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Dental Health The Dental Plan is administered by Delta Dental of Missouri, which covers four classes of treatment in our two-tiered national network including preventive services, basic services, major services and orthodontics. Preventive care is covered with no deductibles, and basic and major dental are covered with a deductible and cost share. Cerner offers three dental options: • Dental Basic Plan • Dental Plus Plan • Dental Premier Plan Major services are covered under the Plus and Premier plans, including crowns, veneers, prosthodontics, implants and oral surgery. Orthodontia is covered under the Premier Plan for both adults and children. The Dental plan provides both in- and outof-network benefits.
Delta Dental of Missouri www.deltadentalmo.com
Plan
Deductible
Annual Plan Maximum
Services Covered
% (PPO/Premier)
Basic
$50
$1,200
Preventive Basic
100% 85% / 80%
Plus
$50
$1,200
Preventive Basic Major
100% 85% / 80% 55% / 50%
Preventive 100% Basic 85% / 80% $75 $2,000 Premier Major 55% / 50% Orthodontia 50% Deductible per member enrolled, max of 2 per year. Annual max per person, per plan year. Out-of-network services will be reimbursed based on allowable charges for the covered service. Orthodontia has a lifetime maximum of $2,000 per covered member.
Did you know? 7
Preventive services are covered at 100% in all three dental options and do not apply to the annual plan maximum. This includes cleanings and oral examinations.
Vision Health The Vision Plan, managed by Vision Service Plan (VSP), provides comprehensive coverage and services, including examinations, lenses and frames with providers in the Vision Choice Network. The Vision Plan covers a yearly examination and either lenses or contacts every year. In addition to discounts on contacts and frames, VSP offers additional discounts through participating providers: • Non-Covered Glasses– 20% discount on usual and customary fees • Contact Lenses– 15% discount on participating doctor’s professional services • Lasik Surgery and PRK– Discounts averaging 15% off or 5% off promotional pricing
Vision Service Plan (VSP) Type of Service
Coverage
Examination - Every year
$15 co-pay
Frames - Every other year or every year for children under the age of 18
Up to $175
Glasses (lenses) - Every year
$25 co-pay
Anti-reflective coating
$30 co-pay
Elective Contacts (in lieu of glasses) - Every year
Up to $175
Elective Contacts Fitting Fee & Exam
$35 co-pay
Necessary contacts
$35 co-pay
www.vsp.com
Looking for a virtual solution?
Eyeconic is the VSP eyewear store, providing you with the convenience of at-home shopping, including an interactive virtual try-on feature.
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Leaves & Disability Plans Leaves
Occasionally associates experience situations that require them to be away from their work. Cerner provides a comprehensive set of absence and leave policies, including bereavement, parental and military leave, to allow associates to balance personal and work needs. For length of leave, eligibility and benefits contingency, please refer to the Cerner Absence and Leave Policy.
Short Term Disability
As a Hawaii associate, you have two plans that provide income replacement when you are unable to work during your own serious medical condition. The first plan, through USAble, is a Temporary Disability Income (TDI) plan that provides coverage on your first day of employment. You also are covered by Cerner’s Short Term Disability (STD) program. This policy has a one week waiting period, before paying 100% of your base salary for 7 weeks. After 7 weeks, the policy provides 60% of your base salary for an additional 5 weeks. Any benefit you receive from TDI will offset your Cerner STD benefit. Once STD and TDI has been exhausted you may be eligible for Long Term Disability benefits, if you have enrolled.
Long Term Disability
The Long Term Disability (LTD) plan provides you with income equal to 50% or 60%* of your insured salary in the event you become disabled and are unable to work due to medical reasons. The premium is paid with after-tax dollars so that the benefit, if ever needed, is non-taxable. Long Term Disability will typically not run concurrent with a leave. Our benefit partner for this plan is Principal Financial Group. *Benefits-eligible associates are automatically enrolled at their time of hire in the 60% plan and are responsible for the applicable premiums. Associates may choose to reduce or waive their coverage during enrollment periods.
Adoption Leave and Assistance
Cerner recognizes the costs associated with adopting children and supports adoptive parents by offering financial assistance for adoption fees and a paid adoption leave. You may receive reimbursement for expenses up to $5,000 per adoption.
Family Leave Benefits
Cerner celebrates the diversity of families and provides pay to care for a new child, whether through birth or adoption, and to care for a family member who is facing a serious illness. Under Cerner’s maternity leave program, Cerner provides up to 12 weeks of pay to recover from birth and bond with a new child. Parental Bonding pay for all new parents, including dads, same gender partners and adoptive parents, provides 4 weeks of pay to care for and focus on bonding with your child. Caregiving for family goes beyond welcoming a newborn, and we want to ensure our associates can take the time needed to care for family members facing health challenges or illness. All associates with at least one year of service that need time away to care for a qualified family member are eligible for up to 4 weeks of Caregiver pay. If you are standardly scheduled to work less than 20 hours per week, and have at least 1 year of service, you are eligibile for modified Types of Leaves family leave benefits.
• Family and Medical Leave Act (FMLA) • Cerner Medical Leave • Maternity Leave • Paternity Leave • Adoption Leave • Personal Leave of Absence • Long Term Service Award
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If you will be away from the office on a planned basis, it is always your responsibility to discuss the situation, in advance, with your manager or group executive.
Life Insurance & Travel Plans Basic Life
Basic Accidental Death & Dismemberment
Life coverage equal to your annual base salary (rounded Accidental Death & Dismemberment (AD&D), equal to to the next $1,000) to a maximum of $500,000 is provided your annual base salary (rounded to the next $1,000) to a maximum of $500,000, is provided at no cost to at no cost to you. you. An additional schedule of benefits may apply.
Optional Associate Life and Dependent Life Insurance
Optional associate life insurance can be purchased in Evidence of insurability is required if: increments of $10,000, up to a maximum of the lesser of $2,000,000 or five times your annual base salary. • You, or your spouse/partner request coverage over the Guaranteed Issue amount of $500,000 on yourRates are based on your age. self or $50,000 for your spouse/partner during your Spouse/partner coverage, also age-rated, can be purnew hire enrollment chased in increments of $10,000, up to a maximum of the lesser of $250,000 or the amount of the Optional • You request an increase during a subsequent Associate Life coverage. enrollment period, or Child life insurance can be purchased in increments of $5,000 up to $15,000 maximum for each eligible dependent child. Evidence of insurability is not required for children.
• You request an increase that will surpass the Guaranteed Issue amount of $500,000 for the associate or $50,000 for the spouse or domestic partner during a subsequent enrollment period.
Travel Plans
Cerner provides travel life, accident and emergency medical insurance plans for associates and their eligible dependents at no cost. All eligible associates are automatically enrolled. These benefits are insured by ACE American Insurance Company.
Travel Emergency Medical
Travel protection insurance is provided to Cerner associates traveling on international business, or at least 100 miles away from their home when in-country. The plan provides the following types of coverage: • Secondary Medical Insurance for Accidents and Illness • Emergency Medical Evacuation and Repatriation • Medical assistance services
• Travel assistance • Personal assistance
This plan is secondary insurance and will pay covered claims, up to the plan maximum, after any other insurance or national health care payments are made.
Travel Life and Accident
This plan insures you up to a maximum benefit of $200,000 if you experience a loss while traveling on business for Cerner*, excluding normal commuting to and from work. • Eligible Dependent Spouse: $25,000 • Eligible Dependent Children: $10,000 *Includes Personal Deviation for up to 14 days
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Supplemental Insurance: MetLife MetLife is different from major medical insurance. If you’re sick or injured, MetLife pays cash benefits directly to you to help address out-of-pocket medical costs and everyday expenses. MetLife voluntary insurance provides the added comfort of being better prepared for whatever life may bring.
Personal Accident After an off-the-job accident, you may have expenses you’ve never thought about. It’s reassuring to know that an accident insurance plan can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow-up treatments or physical therapy. Personal Accident insurance (with the advantage of group rates) helps with out-of-pocket costs that arise when you have a covered accident such as a fracture, dislocation, or laceration.
Benefits: • More than 50 events that trigger benefits payments • Outpatient Medical Benefit • Hospital Admission Benefit • Hospital Confinement Benefit • Guaranteed-issue coverage with no underwriting required • Portable coverage that allows associates to retain coverage at the same rate if their employment status changes
Critical Illness
Benefits:
The MetLife Critical Illness Insurance plan can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack, or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical bills. With Critical Illness Insurance, you receive cash benefits directly (unless otherwise assigned)— giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.
• Lump-sum benefit for a covered critical illness such as: cancer, heart attack, stroke, major organ transplant, and end-stage renal failure • Benefit for a recurrence of the same critical illness if separated by at least 12 months • An additional occurrence of a different critical illness if separated by at least 6 months • A wellness benefit is provided if you complete at least one covered health screening • A choice between two coverage levels: $10,000 and $20,000
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Legal Plan The Hyatt Legal Plan offered through MetLife gives you easy and low-cost access to a wide variety of personal legal services.
Access
The Legal Plan provides members with access to a nationwide network of more than 11,000 attorneys from which to choose. Using attorneys in this network will provide coverage for eligible legal services with no additional attorney fees. You also have the flexibility to use a non-plan attorney and get reimbursed for covered services according to a set fee schedule. Associates can also elect the Plus Parents plan, which provides additional services designed for parents and parents-in-law.
Services Covered
Attorney fees for the following personal legal services are fully paid for by the plan when you use a plan attorney. There are no limits on the number of times you may use the plan and there are no dollar limits on your use of a plan attorney for the following services: • • • • •
Consumer Protection Debt Matters Defense of Civil Lawsuits Document Preparation Family Law
• • • •
Real Estate Matters Traffic Matters Wills and Estate Planning Immigration
Elder care legal services under the Plus Parents plan, including: • Nursing home agreemetns • Prescription plans • Powers of Attorney • Medicaid / Medicare
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Savings & Retirement Building a diverse financial portfolio is vital to the well-being of all our associates. Our investment plans include a 401(k), with a variety of investment options, and an Associate Stock Purchase Program. This enables our associates to build equity in the company and helps them establish long-term security.
401(k) Plan
The Cerner 401(k) Retirement Plan allows associates to set aside money for retirement on a pre-tax and/or Roth (post-tax) basis. • Elect between 1% and 80% of eligible compensation to be deferred into the plan annually. If no election is made after 31 days, you are automatically enrolled at 3% (pre-tax). • Change contribution elections at any time • 2020 IRS contribution limits: o 402(g) deferral limit is $19,500 o Catch-up limit is $6,500
Ready to blooom?
As part of Cerner’s commitment to providing you with the tools and resources to help you live well across the continuum of health and care, we’re excited to partner with blooom to support your financial wellbeing! Who is blooom? They’re like a doctor who quickly and simply tells you what’s healthy – and what’s unhealthy – in your 401k, and if you’d like, they’ll manage your account ongoing. No need to move your account – blooom manages it at Fidelity for you! You’re able to sign up for this great benefit for only $1/ month if your Cerner 401(k) account balance is less than $20,000 or $10/month if your account balance is $20,000 or more.
Rollover contributions can be made from a former employer’s qualified 401(k) or 403(b) retirement plan or an IRA rollover.
Learn more about all the services offered by blooom, at cerner.getblooom.com; it takes less than 5 minutes!
Cerner Matching Contributions*
Associate Stock Purchase Plan
Cerner matches 33% of the first 6% of your deferral amount. A second tier match of up to 2% of your paid base compensation will be determined annually by Cerner, based on attainment of corporate goals. This match is subject to eligibility criteria. All Cerner contributions are automatically invested in Cerner stock and are subject to a 5-year graded vesting schedule. Years of Service <1 Year of Service 1 Year of Service 2 Years of Service 3 Years of Service 4 Years of Service 5 Years of Service *Matching is discretionary
Vested Percentage 0% 20% 40% 60% 80% 100%
The Associate Stock Purchase Plan provides eligible participants with an affordable and convenient method to purchase stock and share in the success of the company. Contributions to the plan are deducted, on a posttax basis, from your paycheck. Participants may elect any whole percentage between 1% and 20% of your total compensation to purchase Cerner stock. The deferrals are accumulated and, at the end of the Option Period, are used to purchase shares of common stock. The purchase price will be 15% less than the Fair Market Value on the date of the purchase (the last business day of the quarter). The plan operates on quarterly Option Periods, beginning on the 1st day of January, April, July and October of each year. You may participate in the plan by accessing Morgan Stanley’s website, www.stockplanconnect.com, and submitting an election during a quarterly open enrollment period.
Cerner Stock 13
• Publicly traded & quoted through NASDAQ (CERN) • Enables you to accumulate ownership in the company • Stock splits– 1992, 1993, 1995, 2006, 2011, 2013
My Life Resources Life’s journey made easier
My Life Resources, provided by Magellan Health, is our Associate Assistance Program. My Life Resources is here to help and guide you in taking the steps to a more healthy, vibrant life. Access confidential tools and services to empower you and your families to help you be your best each day. Services including clinical counseling, legal and financial counseling and advice and work-life services are available via telephone or online 24 hours a day, 365 days a year.
Services include:
• Clinical counseling – up to 6 sessions per situation (in-person, telephonic, video, texting) • Grief and loss, job or personal stress, depression or anxiety, anger management, substance abuse, domestic violence, marital or relationship concerns, parenting and family concerns • Legal counseling and assistance • Financial counseling and assistance • Work-life services (child care, adult care, education, vacation planning, etc.)
Additional digital tools and online support:
• Get connected with a provider through live chat or phone • On-Demand Learning such as webcasts, podcasts and online training • SmartScreener™ self-assessments (available in English and Spanish)
Behavioral learning apps:
• Anxiety (general, phobia, panic) • Chronic pain • Clickotine (tobacco cessation) • Depression (mild to moderate symptoms) • Drug and alcohol abuse (and associated depressive symptoms) • Insomnia (or overall sleep difficulties) • Obsessive compulsive disorder
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Time Off Cerner offers three time off programs. Your job determines which time off program you are eligible for.
Hourly Associates:
Eligible hourly associates accrue both vacation and well-being time. Annually, associates who are regularly scheduled to work 40 hours per week accrue between 80 and 160 vacation hours, based on length of service. If you work less than 40 hours per week (but at least 20 hours per week), your annual accrual rate will be prorated based on your regularly scheduled work hours. All hourly associates also accrue 1 hour of well-being time for every 30 hours worked. Well-being time can be used to help you manage your health, including your own personal illness, a family member’s illness, doctor’s appointments and to care for your child because daycare is closed.
Cerner Standard Personal Time Off (PTO)
Eligible exempt associates in Job Levels 38-50 accrue PTO on a weekly basis. PTO may be used for your time off needs as is relates to vacation, illness*, taking care of sick family members and other personal matters. Annually, associates who are regularly scheduled to work 40 hours per week accrue between 120 and 200 hours based on length of service. If you work less than 40 hours per week (but at least 20 hours per week), your annual accrual rate will be prorated based on your regularly scheduled work hours.
Cerner Flex Personal Time Off (PTO)
Eligible exempt associates in Job Levels 1-37 do not accrue PTO. Instead, our Flex PTO program provides eligible associates with the flexibility to take time away as needed to rest and recharge. *In the event of illness time lasting longer than 3 days, you may be eligible for an extended leave (contact leaves@cerner.com to determine eligibility).
Long Term Service Award
Cerner recognizes that the commitment to your role required to be successful does not always leave enough time to pursue all of your outside interests and professional development opportunities to the degree you would like. However, we also know that creativity and enthusiasm are best fostered in an environment where people have time to enjoy a wide variety of experiences. The Long Term Service Award is designed to allow you time off to recharge and to spend time on personal and professional enrichment.
Holiday
Cerner recognizes nine paid holidays per year.
Holiday (Day Observed) New Year’s Day (January 1) Martin Luther King Jr. Day (January 20) Memorial Day (May 25) Independence Day (July 3) Labor Day (September 7) Thanksgiving Day (November 26) The Day After Thanksgiving (November 27) Christmas Eve (December 24)
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Christmas Day (December 25)
Long Term Care Long Term Care
Long Term Care insurance provides you with the financial protection against the costs associated with custodial care. Typically, this is the care needed when a person requires assistance with the activities of daily living (such as eating, bathing, dressing, transferring, etc.) or care due to cognitive impairment (such as Alzheimerâ&#x20AC;&#x2122;s disease or dementia). Care can be received at home, in an assisted living facility or in a nursing home. Your spouse or domestic partner and extended family members (parents, grandparents, in-laws, adult siblings and adult children) are also eligible for the group rates. You may enroll an eligible dependent regardless of your own enrollment in this Plan. Long Term Care coverage is age-rated. The younger the individual is at the age of application the less expensive the rates. Your rates do not go up as you get older, unless you make changes. This coverage is portable at the same affordable group rates and is paid for with post-tax premiums.
Benefit Benefit Amount Nursing Home Assisted Living Home Care (daily)
Plan Options $1,000-$9,000/month ($1,000 increments)
Lifetime maximum
3 years, 6 years or unlimited
Inflation protection
None or 5% compound
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Additional Benefits Dependent Care FSA
The Dependent Care FSA (DCFSA) allows you to pay for eligible child care expenses with pre-tax dollars. The DCFSA provides you with a reimbursement for child care expenses for dependent children during the calendar year. â&#x20AC;˘ Your minimum annual deposit to the DCFSA is $250 â&#x20AC;˘ Your maximum annual deposit is $2,500 for associates who are married and file separate tax returns, or $5,000 for associates who file as head of household or are married filing jointly
Commuter Benefit
The commuter benefit program through WageWorks makes it easy to save on taxes and enjoy convenient automatic payment and delivery features. The more you spend, the more you save on your taxes. And all it takes is a quick online order to get your pass delivered to your home every month and/or set up direct, automatic monthly parking payments.
Corporate Discounts
Cerner offers associates a variety of discounts throughout the community, including restaurants, events, movie tickets, and more. For a full list of discounts, please check out the Cerner Special Discounts uCern group.
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Additional Benefits Tuition Reimbursement
Cerner encourages associates to continually develop and enhance their skills through ongoing education. Cerner may reimburse full-time associates for the expenses associated with educational and skill-building courses offered through approved institutions (generally meaning an established, accredited college or institution of higher learning, including technical schools) when the course of study followed is determined to be of direct benefit to the associate in his or her career at Cerner. These are courses that develop or enhance business, functional or technical skills relevant to the individual’s current or future position. Approved courses of study generally lead to the attainment of specialized knowledge in advanced areas or to an advanced degree. Additionally, Cerner offers many other benefits to meet the needs of our associates: • Professional certification • Specialty external training • Scholarships/grants
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2020 Price Tags Health, Dental and Vision
Health HMSA
Bi-weekly cost
Associate Only
$10.00
Associate Plus One
$117.84
Associate Plus Family
$218.82
Bi–Weekly Cost
Dental: Tier 1 Options* Associate Only Associate Plus One Associate Plus Children
$8.86 $19.83 $25.32
Associate Plus Family
$36.30
Associate Only Associate Plus One Associate Plus Children Associate Plus Family
$11.45 $25.04 $27.74 $41.33
Associate Only Associate Plus One Associate Plus Children Associate Plus Family
$14.25 $30.61 $43.54 $59.90
Associate Only Associate Plus One Associate Plus Children Associate Plus Family
Dental Plus Associate Only Associate Plus One Associate Plus Children Associate Plus Family
Dental Premier Associate Only Associate Plus One Associate Plus Children Associate Plus Family
$10.26 $22.01 $27.90 $39.66
Dental Plus
Dental Premier
$12.85 $27.23 $30.32 $44.69 $15.65 $32.80 $46.12 $63.26
Vision: Tier 1 and Tier 2 Options
Bi–Weekly Cost
Associate Only
$4.32
Associate Plus One
$6.18
Associate Plus Children
$6.59
Associate Plus Family
$11.48
*Tier 1: Standard work schedule of 30+ hours work/week **Tier 2: Standard work schedule of 20-29 hours work/week
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Dental Basic
Dental Basic
Bi–Weekly Cost
Dental: Tier 2 Options**
2020 Price Tags Legal, Long Term Disability, Life Insurance, Critical Illness & Personal Accident Legal
Bi-Weekly Associate Cost
Annual Plan Cost
Standard: Associate Plus Family Plus Parents: Associate/Family/Parents
$7.62 $10.38
$198.12 $269.88
Long Term Disability
Bi-Weekly Associate Cost
Annual Plan Cost
LTD-50%
Example: Insured Salary $80,000/100=800*.105=Annual $84.00 or Bi-Weekly $3.23
Insured Salary divided by $100 multiplied by $0.105
LTD-60%
Example: Insured Salary $80,000/100=800*.193=Annual $154.40 or Bi-Weekly $5.94
Insured Salary divided by $100 multiplied by $0.193
Associate and Spouse/Partner Life Insurance
Bi-Weekly Associate Cost
Bi-Weekly Associate Cost Spouse/Partner: Per $1,000 $0.014 $0.023 $0.025 $0.029 $0.042 $0.065 $0.122 $0.188 $0.361 $0.586
$5,000-$15,000
Associate: Per $1,000 $0.013 $0.021 $0.024 $0.026 $0.040 $0.060 $0.114 $0.174 $0.336 $0.544 Child Life Per $1,000: $0.059
Personal Accident
Bi-Weekly Associate Cost
Annual Plan Cost
Associate Only Associate Plus Spouse/Partner Associate Plus Child(ren) Associate Plus Family
$2.61 $4.16 $4.97 $6.47
$67.92 $108.12 $129.24 $168.24
Critical Illness*
$10,000 Level
$20,000 Level
Age as of 1/01/2020: Under 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Per $1,000: $0.059
Age as of 01/01/2020:
Bi-Weekly Associate Cost
Annual Associate Cost
Bi-Weekly Associate Cost
Annual Associate Cost
18-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64
$2.77 $3.78 $5.26 $8.12 $11.63 $16.29 $22.06 $31.15
$72.00 $98.40 $136.80 $211.20 $302.40 $423.60 $573.60 $810.00
$5.54 $7.57 $10.52 $16.25 $23.26 $32.58 $44.12 $62.31
$144.00 $196.80 $273.60 $422.40 $604.80 $847.20 $1,147.20 $1,620.00
65-69
$42.88
$1,114.80
$85.75
$2,229.60
70+
$58.52
$1,521.60
$117.05
$3,043.20
*Rates are for associate only. Can also cover spouse/partner and children for additional premium.
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Glossary This glossary has many commonly used terms in the health benefits plan and other medical terms. These are not contract terms. Allowed Amount Maximum amount on which payment is based for covered health care services. This may be called “eligible expense,” “payment allowance” or “negotiated rate.” If your provider charges more than the allowed amount, you may have to pay the difference. Annual Enrollment Period Period designated by Cerner during which you may enroll for plan coverage. Annual Maximum The maximum dollar amount a participant is required to pay out-of-pocket during the plan year. Until this maximum is met, the plan and participant share in the cost of covered expenses. Appeal A request that your health insurer or plan review a decision that denies benefit or payment (either in whole or in part). Balance Billing When a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. A preferred provider may not balance bill you for covered services. Claim A request for a benefit (including reimbursement of a health care expense) made by you or your health care provider to your health insure or plan for items or services you think are covered. Cost Share Your share of the costs of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You generally pay for cost share plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your cost share payment of 20% would be $20. The health insurance or plan would pay the rest of the allowed amount. Coverage level The scope of protection provided by your benefits plan based on the amount of dependents you cover. Deductible The amount you could owe during a coverage period (usually one year) for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1000, your plan won’t pay anything until you’ve met your $1000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services. Dependent As defined by the plan, a dependent may be someone who is eligible to be covered under the plan. Durable Medical Equipment (DME) Equipment and supplies ordered by a health care provider for everyday or extended use. DME may include: oxygen equipment, wheelchairs, crutches or blood testing strips for diabetics.
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Emergency Medical Condition An illness, injury, symptom or condition that is severe enough (including severe pain), that if you did not get immediate medical attention, you could reasonably expect one of the following to result: 1) Your health would be put in serious danger; or 2) You would have serious problems with your bodily functions; or 3) You would have serious damage to any part or organ of your body. Emergency Medical Transportation Ambulance services for an emergency medical condition. Types of emergency medical transportation may include transportation by air, land, or sea. Your plan or health insurance may not cover all types of emergency medical transportation, or may pay less for certain types. Excluded Services Health care services that your health insurance or plan doesn’t pay for or cover. Habilitation Services Health care services that help a person keep, learn or improve skills and functioning for daily living. Examples include therapy for a child who isn’t walking or talking at the expected age. These services may include physical and occupational therapy, speech-language pathology and other services for people with disabilities in a variety of inpatient and/or outpatient settings. Health Account A personal account established in the name of each associate who participates in the plan. Money in the account may be used to pay expenses for the deductible, the cost share portion of the plan, and IRS qualified medical expenses of covered members only. Home Health Care Health care services and supplies you get in your home under your doctor’s orders. Services may be provided by nurses, therapists, social workers, or other licensed health care providers. Home health care usually does not include help with non-medical tasks, such as cooking, cleaning or driving. Hospice Services Services to provide comfort and support for persons in the last stages of a terminal illness and their families. Hospitalization Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. An overnight stay for observation could be outpatient care. Hospital Outpatient Care Care in a hospital that usually doesn’t require an overnight stay. Individual Responsibility Requirement Sometimes called the “individual mandate,” the duty you may have to be enrolled in health coverage that provides minimum essential coverage. If you do not have minimum essential coverage, you may have to make a payment when you file your federal income tax return. You may not have to meet this requirement if no affordable coverage is available to you, or if you have a short gap in coverage during the year for less than three consecutive months, or qualify for a minimum essential coverage exemption.
Glossary In-network Coinsurance The percentage (for example, 20%) you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. In-network coinsurance usually costs you less than out-of-network coinsurance. In-network Copayment A fixed amount (for example, $15) you pay for covered health care services to providers who contract with your health insurance or plan. In-network copayments usually are less than outof-network copayments. Marketplace A resource where individuals, families, and small businesses can learn about their health coverage options; compare health insurance plans based on costs, benefits, and other important features; choose a plan; and enroll in coverage. The Marketplace also provides information on programs that help people with low to moderate income and resources pay for coverage. This includes ways to save on the monthly premiums and outof-pocket costs of coverage available through the Marketplace (see premium tax credits and cost-sharing reductions), and information about other programs, including Medicaid and the Children’s Health Insurance Program (CHIP). The Marketplace is accessible through websites, call centers, and in-person assistance. In some states, the Marketplace is run by the state. In others it is run by the federal government. Medically Necessary Health care services or supplies needed to prevent, diagnose or treat an illness, injury, disease or its symptoms and that meet accepted standards of medicine. Minimum Essential Coverage Health coverage that will meet the individual responsibility requirement. Minimum essential coverage generally includes plans, health insurance in available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE and certain other coverage. Network The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services at a discount. Non-Preferred Provider A provider who doesn’t have a contract with your health insurer or plan to provide services to you. You’ll generally pay more to see a non-preferred provider than to see a preferred provider. Out-of-network Coinsurance The percent (for example, 40%) you pay of the allowed amount for covered health care services to providers who do not contract with your health insurance or plan. Out-of-network coinsurance usually costs you more than in-network coinsurance. Out-of-Pocket Limit The most you pay during a policy period (usually a year) before your health insurance or plan begins to pay 100% of the allowed amount. This limit never includes your premium, balance-billed charges or health care your health insurance or plan doesn’t cover. Some health insurance or plans don’t count all of your co-payments, deductibles, co-insurance payments, out-of-network payments or other expenses toward the limit. Premium The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly or yearly.
Prescription Drug Coverage Health insurance or plan that helps pay for prescription drugs and medications. Prescription Drugs Drugs and medications that by law require a prescription. Preventive Care Routine health care, including screenings, check-ups, and patient counseling, to prevent or discover illness, disease, or other health problems Provider A physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), other health care professional, hospital, or other health care facility licensed, certified or accredited as required by state law. Reconstructive Surgery Surgery and follow-up treatment needed to correct or improve a part of the body because of birth defects, accidents, injuries or medical conditions. Rehabilitation Services Health care services that help a person keep, get back or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt or disabled. These services may include physical and occupational therapy, speech-language pathology and psychiatric rehabilitation services in a variety of inpatient and/or outpatient settings. Screening A type of preventive care that includes tests or exams to detect the presence of something, usually performed when you have no symptoms, signs or prevailing medical history of a disease or condition. Specialty Drug A type of prescription drug that, in general, requires special handling or ongoing monitoring and assessment by a health care professional, or is relatively difficult to dispense. If the plan’s formulary uses “tiers,” and specialty drugs are included as a separate tier, you will likely pay more in cost sharing for drugs in the specialty drug tier. UCR (Usual, Customary and Reasonable) The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. The UCR amount sometimes is used to determine the allowed amount. Urgent Care Care for an illness, injury or condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care.
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Contact
For more information, contact a benefits partner
Plan
Partner
Contact Information
401(k) Management
blooom
cerner.getblooom.com
Cerner Healthe Clinic
Healthe Clinic
HealtheAtCerner.com 816-201-CARE
Cerner 401(k) Plan
Fidelity
401k.com 800-835-5095
Commuter Benefit
WageWorks
wageworks.com 877-924-3967
Critical Illness
MetLife
1-800-GET-MET8
Dental Plan
Delta Dental of Missouri
deltadentalmo.com 800-392-1167
Flexible Spending Accounts and Cerner HealthPlan Services COBRA
www.cernerhps.com 877-765-1033
Health Plan
HMSA
www.hmsa.com 800-776-4672
Legal Benefit
Hyatt Legal Plans
legalplans.com 1-800-821-6400
Life Insurance and Long Term Disability
Principal Financial Group
principal.com 877-674-3323
Long Term Care
Unum (LTC Solutions)
w3.unum.com/enroll/cerner 877-286-2852
My Life Resources (Associate Assistance Program)
Magellan Health
800-327-0795
Personal Accident
MetLife
1-800-GET-MET8
Vision Plan
Vision Service Plan (VSP)
vsp.com 800-877-7195
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Plan Information Plan information
Summary of Benefits and Coverage (SBC) located here: • https://cernerhps.com/benefits/plan_year_eligibility • https://careers.cerner.com/locations/north-america • Cerner Wiki HR Knowledge Base (Associates only) You’ll also find Summary Plan Descriptions, applicable Certificates and Policies, and the following required plan notices: • Medicare Part D Creditable Coverage Notice • Medicaid & Children’s Health Insurance Program (CHIP) Notice • HIPAA Notice of Privacy Practices • General COBRA Notice • Women’s Health and Cancer Rights Act • Notice Regarding Wellness Program If you would like to receive a hard copy of any of the plan documents, Summary Plan Descriptions, Summary of Benefits and Coverage, or any notices, please contact the HR Service Center at https://hrservicecenter.cerner.com, or send your written request to: Cerner Corporation Attn: HR Service Center 2800 Rockcreek Parkway North Kansas City, MO 64117
Additional questions about your benefits? Visit the Workday Benefits worklet to access additional information on your Cerner benefits. https://workday.cerner.com/ If you need additional assistance, contact the HR Service Center at 816-982-7547 or 866-434-1543.
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Cerner Corporation / 2800 Rockcreek Parkway / North Kansas City, MO 64117 / 816.201.1024 / www.cerner.com
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Human Resources
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