BenefitsGuideBook-2021 FINAL

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BENEFITS GUIDE EMPLOYEE

2021

WWW.KERNMEDICAL.COM

WELCOME Welcome to Kern Medical! This guide is designed to provide you with an overview of your benefit options. Your benefits are an important part of your overall compensation at Kern Medical. We are pleased to offer a comprehensive array of quality benefits to protect your health, your family, and your way of life. Please carefully review and consider the information provided. Should you have any questions, please contact Human Resources at 661-862-7564.

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BENEF I T GUIDE

TABLE OF CONTENTS

Employee Health Benefit Plans

Voluntary Benefits

Retirement Plans

Additional Benefits

Resources

KERN MEDICAL - BENEFITS SUMMARY - 3

EMPLOYEE HEALTH BENEFIT PLANS

• Health Benefits Administration • How to enroll or make changes • Sample Benefit Cards • Health Benefit Comparison Chart • Dental Comparison Chart • Vision Benefit • Health Benefits Bi-weekly Premiums • Health Benefits Effective Dates

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Health Benefits Administration

Health Benefits Administered by: Kern County Health Benefits 1115 Truxtun Ave, 1st Floor Bakersfield, CA 93301 (661) 868-3182 Email: healthbenefits@kerncounty.com Website: www.kerncountyhealthbenefits.com

Kern Medical has partnered with the County of Kern to provide a robust employee benefit package. While Kern Medical employees are not County Employees, we are able to take advantage of their exclusive benefit offering.

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How to enroll or make changes

To enroll into a health plan, visit www.kerncountyhealthbenefits.com . • Select the option on the left in the middle of the screen that says “New Hire Benefits Information”. • Under the enrollment form section, select the link labeled “New Hire Health Plan Enrollment Packet” • Follow the prompts on the screen. • If you are declining benefits due to having other employer group coverage, select the link labeled "Declination of Coverage Packet" *DON’T FORGET TO ATTACH ELECTRONIC COPIES OF SUPPORTING DOCUMENTATION

In order to enroll into the health plan, you will need to have the following information: • Your Employee ID number • Social security numbers & dates of birth for all eligible dependents • Electronic copies (e.g. PDF or JPEG file) of supporting documents needed to enroll eligible dependents (e.g. marriagecertificate,birthcertificate(s), guardianship document(s), adoption documents) • County Department Name on enrollment form will be "Kern Medical Hosp Auth 9460"

IMPORTANT : Your completed enrollment or declination form and ALL required documents must be submitted on www.kerncountyhealthbenefits.com by the due date you received during benefits orientation. Benefits are effective the 1st day of the bi-weekly pay period following a month of continuous service.

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How to make mid-year changes to benefits

Typically, employees may only make changes to benefit elections during open enrollment each year. However, if you experience a mid-year qualifying event, you may add or decrease coverage at a time other than open enrollment. Qualifying events include: • Marriage • Divorce • Birth of a newborn • Loss of coverage from another employer plan • Coverage for a dependent ceases under Medi-Cal or Healthy Families (If the loss was involuntary) • Death of a dependent • Coverage beginning under another employer plan

If you need to make a change to your health benefits due to a qualifying life event, come to HR to complete a benefit change form. You will need to provide the appropriate documents for the event (for example: commemorative birth certificate for a newborn baby or a marriage certificate to add on a spouse). If you want to change plans, you can make changes during open enrollment. Open Enrollment occurs in October- November every year. Changes made during open enrollment will be effective January 1st.

IMPORTANT : You must submit your completed forms and ALL required documents within 30 days of your permitting life event. The only exception is 60 days for adding a newborn.

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Health Benefit Comparison Chart

County of Kern Summary of Benefits

Kern Legacy SHARE SELECT 1-855-308-5547

Kern Legacy NETWORK PLUS 1-855-308-5547

2021 Plan Year

Select Benefit with Deductible

EPO Benefit Tier

Type of Plan/Benefit Level

Plus Benefit Tier

Member (some services require member to obtain prior authorization)

Kern Health Care Network Primary Care Physician (PCP)

Who Directs Your Care

$2,000 employee $4,000 per family

$250 individual $500 per family Medical: $4,000 per person $8,000 per family (No Plus pharmacy benefits)

Annual Deductible

Medical: $1,000 per person $2,000 per family Pharmacy: $1,600 per person $3,200 per family

Calendar Year Out-of-Pocket Max (Once this maximum is paid by the member, the plan pays a higher amount - up to 100% coverage)

Combined Medical/Pharmacy: $6,000 employee $12,000 family

Primary Physician Visit

$10 copay ¹

$10 copay

n/a

Specialist Physician Visits

$20 copay ¹

$20 copay

20% coinsurance ¹

Well Baby Care (up to age 2)

$0 copay (deductible waived)

$0 copay

n/a

Adult Periodic Health Evaluations 2

$0 copay (deductible waived)

$0 copay

n/a

$0 copay Kern Medical $50 copay surgery center $150 copay outlying hospital

$0 copay at Kern Medical ¹ $50 copay at surgery center ¹ $150 copay at outlying hospital ¹

Outpatient Surgery / Procedure

20% coinsurance ¹

$150 copay per day, $500 per admission at Kern Medical 4 ¹

Inpatient Hospitalization

20% coinsurance ¹

$0 copay at Kern Medical 4

Emergency Room

$150 copay (waived if admitted) ¹

$150 copay (waived if admitted)

Urgent Care

$15 copay ¹

$15 copay $0 copay

Not a Plus Benefit 20% coinsurance ¹

Mammogram & Pap Smear Immunizations (Office visit copay applies)

$0 copay (deductible waived)

$0 copay

20% coinsurance ¹

Diagnostic Lab/X -Ray

$0 copay ¹

$0 copay

20% coinsurance ¹

Physical, Speech and Occupational Therapy

$0 copay (max 60 visits/year combined)

20% coinsurance ¹ (max 60 visits/year combined)

$0 copay ¹

$10 per Preventative Generic medication (deductible waived) Kern Medical Pharmacy (up to 90 day): $0 Generic; $25 Preferred Brand $50 Non-Preferred Brand Specialty Meds: $50/$90/$120 Retail Pharmacy (Up to 30 day) $5 Generic; $50 Preferred Brand $90 Non-Preferred Brand

Kern Medical Pharmacy (up to 90 day): $0 Generic $15 Preferred Brand $35 Non-Preferred Brand Retail Pharmacy (Up to 30 day) $5 Generic $30 Preferred Brand $60 Non-Preferred Brand

Prescription - Retail

Prescription – Mail Order

¹ After deductible has been met.

2 Over 2 years old 3 If no generic available. Higher cost if generic is available. 4 Kern Med This is a summary of the most frequently asked-about benefits. This chart does not explain For a complete explanation, please refer to the

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n Health Plan – Comparison Chart Kern Legacy

Kern Legacy CLASSIC CHOICE 1-855-537-6767

KAISER Permanente 1-800-464-4000

MAX CHOICE 1-855-537-6767

POS In-Network

POS Out-of-Network Member (some services require member to obtain prior authorization) $200 individual $400 per family (2 mbrs) Medical: $2,000 per person $4,000 per family (2 mbrs @ $2,000)

Exclusive Provider Organization

HMO Plan

Anthem Blue Cross contracted providers and facilities

Kaiser Permanente Providers

$250 per individual $500 per family Medical: $5,000 per person $10,000 per family Pharmacy: $1,000 per person $3,000 per family

Medical: $1,000 per person $3,000 per family Pharmacy: $5,600 per person $10,200 per family

Combined Medical/Pharmacy: $1,500 employee $3,000 family

$10 copay after deductible ¹

$15 copay

70% coverage R&C ¹

$10 copay

20% coinsurance after deductible ¹ $20 copay Kern Medical ¹ $0 copay (deductible waived)

$25 copay

70% coverage R&C ¹

$10 copay

$0 copay

70% coverage R&C ¹

$0 copay

$0 copay (deductible waived)

$0 copay

Not covered

$0 copay

After deductible: $50 copay Kern Medical ¹ 20% coinsurance at other locations ¹ After deductible: $100/day copay Kern Medical ¹ ($2500 max per admit) 20% coinsurance at other locations ¹

$0 copay Kern Medical $100 copay

$10 copay per procedure

70% coverage R&C ¹

$0 copay Kern Medical $150 copay per day, up to $750

$250 copay per admission

70% coverage R&C ¹

$150 copay after deductible (waived if admitted) $15 copay after deductible ¹ $0 copay (deductible waived)

$75 copay (waived if admitted)

$15 copay $0 copay

70% coverage R&C ¹

$10 copay $0 copay

Not Covered

$0 copay (deductible waived)

$0 copay

70% coverage R&C ¹

$0 copay

$0 copay after deductible ¹

$0 copay

70% coverage R&C ¹ 70% coverage R&C ¹ (max. 60 visits/yr combined)

$0 copay

20% coinsurance after deductible ¹ (max 60 visits/year combined) After $100 prescription deductible:  Kern Medical Pharmacy (up to 90 day). $0 Generic; $25 Preferred Brand; $50 Non-Preferred Brand  Retail Pharmacy (Up to 30 day) $5 Generic; $50 Preferred Brand; $90 Non-Preferred Brand Specialty Medications: $50/$90/$120

$0 copay (max 60 visits/year combined)

$10 copay

30 day at a contracted pharmacy: $5 Generic ($0 at Kern Medical Pharmacies) $15 Preferred Brand 3 $30 Non-Preferred Brand 3

Up to a 100 day supply Kaiser pharmacy:

$5 Generic $15 Brand

90 day at Mail Delivery: $10 Generic $30 Preferred Name brand 3 $60 Non-Preferred Name brand 3

Up to a 100 day: $5 Generic $15 Brand

dical is the ONLY in-network EPO hospital in metropolitan Bakersfield, except for certain specialties with prior Plan approval. benefits, out of pocket maximums, exclusion or limitations, nor does it list all benefits. e Summary Plan Description for each plan.

KERN MEDICAL - BENEFITS SUMMARY - 9

Kern Medical Dental Plans

Kern County Dental Plans Summary of Benefits - Comparison Chart LIBERTY Dental Independence PPO

LIBERTY Dental Cobalt Plus DHMO

Annual Maximum (per person)

$2,500.00

None

N/A

Deductible ( per calendar year) Individual Family

$ 50.00 $150.00

$0.00 $0.00

N/A N/A

OUT-OF- NETWORK PLAN PAYS

IN-NETWORK PLAN PAYS

OUT-OF-NETWORK PLAN PAYS

COVERED SERVICES

Preventive Services Prophylaxis X-Rays

100% 1, 4 100% 1

70% 2, 4 70% 2

100% 3 100% 3

No benefit

Other Services - Restorative (Amalgam, plastic, acrylic filling of cavities) Endodontic (Pulpal therapy and root canals) Periodontics (Treatment of gums and bones supporting teeth ) Prosthodontics (Partial and complete dentures)

90% 1

70% 2

100% 3

No benefit

90% 1

70% 2

100% 3

No benefit

90%

70% 2

100% 3

No benefit

Patient pays: 3 $55.00 - dentures $25.00 - partial 3 $45.00 to $90.00 Consult Benefit Schedule Contact LIBERTY Customer Service Patient pays:

90%

No benefit

70% 2

Crowns

No benefit

90% 1

70% 2

Implants

90% 1

70% 2

No benefit

50% $1,500 Lifetime Maximum

Orthodontia Adults and Children

No benefit

1 Of negotiated/contracted fees.

2 Of reasonable and customary charge.

3 Procedure must be listed in the schedule of

4 Deductible waived.

benefits to be covered at 100%. Many other services are offered with a specified co-payment.

This document provides a summary of the plan’s benefits only. For a complete description of benefits, limitations and exclusions, refer to the plan’s documents.

Dental plans administered by : LIBERTY Dental Plan 1-888-273-3179 Call Liberty Dental for provider information or visit their website at www.libertydentalplan. com/countyofkern This is a summary of the most frequently asked-about benefits. This chart does not explain benefits, out of pocket maximums, exclusion or limitations, nor does it list all dental benefits. For a complete explanation, please refer to the Summary Plan Description listed under Liberty Dental plan’s website. Making members shine, o e mile at a time™ www.libertydentalplan/countyo fkern.com A Kern Legacy Health Plan

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A LOOK AT YOUR VSP VISION COVERAGE

SEE HEALTHY AND LIVE HAPPY WITH HELP FROM COUNTY OF KERN AND VSP.

As a VSP® member, you get personalized care from a VSP network doctor at low out-of-pocket costs.

VALUE AND SAVINGS YOU LOVE. Save on eyewear and eye care when you see a VSP network doctor. Plus, take advantage of Exclusive Member Extras for additional savings. PROVIDER CHOICES YOU WANT. With an average of five VSP network doctors

USING YOUR BENEFIT IS EASY! Create an account on vsp.com to view your in-network coverage, find the VSP network doctor who’s right for you, and discover savings with exclusive member extras. At your appointment, just tell them you have VSP.

within six miles of you, it’s easy to find a nearby in-network doctor. Plus, maximize your coverage with bonus offers and additional savings that are exclusive to Premier Program locations.

Like shopping online? Go to eyeconic.com and use your vision benefits to shop over 50 brands of contacts, eyeglasses, and sunglasses. QUALITY VISION CARE YOU NEED. You’ll get great care from a VSP network doctor, including a WellVision Exam®—a comprehensive exam designed to detect eye and health conditions.

+ GET YOUR PERFECT PAIR

UP TO 40% SAVINGS ON LENS ENHANCEMENTS

EXTRA $20 TO SPEND ON FEATURED FRAME BRANDS*

SEE MORE BRANDS AT VSP.COM/OFFERS .

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Health Benefits Bi-Weekly Premiums

Health Benefits Bi-weekly Premiums for Active Employees Effective January 1, 2021 Health Benefits package for Active Employees includes medical/prescription, dental and vision coverage. Bi-weekly premiums listed below will go into effect on January 1, 2021, and will be reflected on January 12, 2021 pay day .

KAISER Permanente

Kern Legacy SHARE SELECT

Kern Legacy NETWORK PLUS

Kern Legacy MAX CHOICE

Kern Legacy CLASSIC CHOICE

Uses Kern Medical hospital and County- owned, Kern Health Care Network providers and contracted facilities.

Uses Kern Medical hospital and County-owned, Kern Health Care Network for both EPO and Plus tiers (includes Adventist Health Bakersfield).

Uses Kaiser Permanente contracted physicians and facilities including Adventist Health Bakersfield Medical Center.

Uses Anthem Blue Cross contracted providers and facilities.

DHMO Dental

PPO Dental

DHMO Dental

PPO Dental

DHMO Dental

PPO Dental

DHMO Dental

PPO Dental

DHMO Dental

PPO Dental

Vision included

BI-WEEKLY PREMIUM

$ 0

$ 43

$ 46

$ 55

$ 58

$100

$103

$ 51

$ 54

Employee only

Employee + 1

$ 14

$ 18

$ 83

$ 87

$100

$104

$181

$185

$ 98

$102

Family

$ 36

$ 42

$122

$128

$143

$149

$261

$267

$138

$144

All Kern County’s Self Insured health plan s are part of Kern Legacy Health Plans, including Kern County’s dental and vison plans:

 Kern Legacy SHARE SELECT - High Deductible EPO Health Plan  Kern Legacy NETWORK PLUS - Exclusive Network Health Plan  Kern Legacy MAX CHOICE - Anthem Network EPO Health Plan  Kern Legacy CLASSIC CHOICE - Anthem Network POS Health Plan  LIBERTY Dental – Independence PPO and Cobalt Plus plans  Vision Service Plan

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Benefit ID Cards

You will receive your benefit cards 2-3 weeks after your effective date. Should you need to go to the doctor prior to receiving your card, you can contact the plan directly to get your identification number. Sample ID cards are available on the plans website, which includes the Networks information. You can call the appropriate plan to retrieve that information. Refer to the important contacts page at the end of this guide.

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VOLUNTARY BENEFITS

Kern Medical has many additional benefits and programs available through voluntary payroll deduction. If you choose to enroll in a voluntary benefit, the plan will be effective 90 days after your date of hire. HOW TO ENROLL You will have 60 days from your hire date to self-enroll by visiting https://myworkplace.net Please contact our partner Chimienti & Associates with any questions regarding your

benefits or how to enroll: US Chimienti & Associates 3400 W. Mineral King Ave Ste. B Visalia, CA 93291 559-733-1670 License #0C36832

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Section 125 Spending Accounts This plan allows you to benefit from tax savings throughout the year by using pre-tax dollars to pay for out of pocket medical and child care expenses for you and your family. Eliminate filing claims and waiting for reimbursement by choosing a Debit Flexible Spending card at no cost to you. Short-term Disability offered through AFA This program allows employees to protect up to 25 % of their gross monthly income in the event of a covered disability. There is a 14 day waiting period before you receive benefits. Depending on the plan you select, benefits will pay up to 12 or 24 months. As a newly hired employee, this plan offers you a one-time guarantee issue with no health history questions asked. Benefits are paid in addition to state disability. Coverage is available for employees only. Long-term Disability offered through AFA This program allows you to protect up to 60 % of your income in the event of a Long Term Disability. Benefits begin on the 91st or the 366th day (if you are enrolled in STD to avoid overlap in coverage) of disability. Benefit covers employees to normal social security retirement age. Rate does not increase in future years due to changes in age. As a newly hired employee, you will be offered a one-time guarantee issue underwriting offer with no medical questions asked. Voluntary Group Term Life Insurance offered through Voya This life insurance plan provides the most benefit for premium dollar. Because this is a term plan, it does not build cash value. As a newly hired employee, you will be offered a guarantee issue with no medical questions asked. Coverage is available for

Critical Illness Plan offered through Transamerica

T his plan pays a lump sum benefit directly to you following the diagnosis of a covered critical illness. Examples of covered illnesses include heart attack, invasive cancer, and a majoy organ transplant surgery. This plan also includes an additional diagnosis benefit and a reoccurrence benefit. Coverage is available for the employee and family members. As a newly hired employee, there is a guarantee issue with no medical questions asked. Universal Life Insurance with Long-Term Care offered though Trustmark This flexible permanent life insurance plan is portable. Theplan provides youwith a life insurance and a long-term care benefit with death benefit restoration. The long-term care benefit allows you to collect 4% of your death benefit for 25 months. As a newly hired employee, there is a guarantee issue with no medical questions asked. Cancer Plan offered through Transamerica This program helps you with the out-of-pocket costs of treating cancer. Benefits include payment for cancer screening tests, hospital confinement, chemotherapy, and many of the other costs associated with cancer treatment. Pre-existing conditions apply to this program. Coverage is available for employee and family. Hospital Confinement Plan − Voya This plan provides a daily benefit if you have a covered stay in the hospital, critical care unit or rehabilitation facility. The benefit amount determined is based on the type of facility. There is a guarantee issue for newly hired employees and family members. Legal Guard Plan − LegalEase This plan offers employees a variety of legal services at a discounted price. Examples of covered legal services include estate planning, family law, and identity theft assistance. Prices are located on the enrollment page.

employee and family. Accident Plan − Voya

This plan pays a lump sum benefit directly to you in the event of an on-or-off-the-job covered accident. This benefit is paid in addition to any other insurance coverage you may have. Coverage is available for employee and family.

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RETIREMENT PLANS

• Kern County Employees' Retirement Association "KCERA" (SEIU Members) • Deferred Comp 457(b) • Defined Contribution 401(a) (MMC Employees only) • Physician Pension Plan (through TIAA)

Represented Employees You are automatically enrolled in the Kern County Employees’ Retirement Association (KCERA). You may also contribute additional pre-tax earnings into the 457(b) Deferred Compensation plan. You are eligible for up to a 6% employer match when you contribute 6% of your pre-tax earnings into the 457(b) plan. Management, Mid-Management, and Confidential Employees You are eligible for up to a 9% employer match when you contribute 12% of your pre-tax earnings into the retirement plan. Employee contributions deposit into the 457(b) Deferred Compensation plan and employer-matching contributions deposit in the 401(a) Deferred Compensation plan. Employed Physicians You are automatically enrolled in the Physicians’ Pension Plan though TIAA. You may also contribute additional pre-tax earnings into the 457(b) Deferred Compensation plan.

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Kern County Employees' Retirement Association (KCERA) Membership begins automatically upon your appointment to a permanent position of 50% or more of the regular stand hours required. Some types of employment are not eligible for membership in KCERA, these include management/mid- management/confidential (hired on or after Nov24th2018),extra-help,per-diem,contract & part-time positions working less than 50% of the regular, scheduled hours required. Members are required to make contributions to KCERA through biweekly pre-tax payroll deductions. Your contribution amount is basedon apercentageof your basepay plus any special pays considered compensation that are included in determination of your final average compensation. This plan provides you with retirement, disability and death benefits. Once you have five years of retirement service credit, you will be fully vested in the plan. Vesting means you are entitled to a monthly benefit at retirement. For employees hired on or after October 27, 2007, you will be enrolled in General Tier II PEPRA, which provides a benefit formula of 1.62% at 65. Your total monthly retirement benefit upon retirement will be based on the following factors: your age at retirement, your total years of retirement service credit, your final average monthly compensation & your benefit tier. Visit the new employee orientation tab at www . k c e r a . o r g / r e s o u r c e - c e n t e r / Enrollment into the 457(b) deferred compensation plan is available to you immediately upon your appointment to a permanent position with Kern Medical. When you chose to defer pre-tax dollars into your 457(b) retirement plan, Kern Medical will match your contribution at 100% up to 6% of your compensation. Your and Kern Medical’s contributions to the plan and any publications to learn more. Deferred Comp 457(b)

earnings they generate are always 100% vested. Matching contributions and any earnings on those contributions are tax-deferred until the money is withdrawn. To enroll, visit www.kerncounty457. com or go online to learn more. Defined Contribution 401(a) - Management, Mid-Management, Confidential (MMC) Employees Enrollment into the 401(a) deferred compensation plan is available to you immediately upon your appointment to a management, mid- management, or confidential position with Kern Medical. When you choose to defer pre-tax dollars into your 401(a) retirement plan, Kern Medical will match your contribution at 100% up to 6% of your compensation, plus an additional 50% match on the next 6% of your pay for the same biweekly pay period. Therefore, if you contribute at least 12% of your pay, you will receive the total available match of 9% of your pay. All match dollars will be deposited to the 401(a) plan. Employee deferrals will be directed to the 457(b) plan. Matching contributions and any earnings on those contributions are tax deferred until the money is withdrawn. Distributions are subject to ordinary income tax. You vest in Kern Medical’s employer matching contributions over a 5-year period with a 20% vesting each year. Enroll online Membership with the Kern County Hospital Authority Defined Contribution Plan for Physician Employees begins automatically upon your appointment to an eligible position. Funding of this plan occurs exclusively through a combination of employer andmandatory employeecontributions on a pre-tax basis. Contributions are at a set rate, meaning you may not elect to change the amount that is deducted each bi-weekly pay period. Kern Medical will establish and maintain an account for each employed physician. Visit www.tiaa.org to learn more. at www.kerncounty457.com. Physician Pension Plan

KERN MEDICAL - BENEFITS SUMMARY - 17

ADDITIONAL BENEFITS

• Time Off • Holidays • Perks at Work

• New Employee Premium Pay • Employee Assistance Program • Kern Medical Paid Life Insurance • Loan Forgiveness • Length of Service Recognition Awards

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Paid Time Off (PTO) Regular and Part-Time employees are entitled to Paid Time Off (PTO). PTO is accrued under the following schedule: Years Of Service PTO Hours 0-4 144 hours 5-9 184 hours 10-14 224 hours 15+ 263 hours PTO is prorated based on hours worked. Perks at work As a Kern Medical employee, you will have access to a free perks platform offering over 30,000 unique discounts on a variety of products and services you use every day. Save on travel, entertainment, electronics, apparel, fitness, and more. In order to get started, visit www.Perksatwork.com and register for free with your Kern Medical email address.

Holidays Kern Medical observes eight holidays. New Year’s Day Martin Luther King’s Birthday Memorial Day Independence Day Thanksgiving Day Day after Thanksgiving

Christmas Eve Christmas Day

New Employee Premium Pay Permanent employees are eligible for a New Employee Premium Pay equal to 6% of your base salary. Employees are encouraged to contribute all or part of their 6% New Employee Premium Pay to the deferred compensation 457 (b) plan. Saving for your retirement ensures your financial security in the future. * The six percent biweekly premium pay is calculated by multiplying your hourly rate times the amount of hours you are paid during the pay period, including hours worked and PTO but excluding overtime. * Most employees hired after October 27th, 2007 are eligible.

KERN MEDICAL - BENEFITS SUMMARY - 19

Employee Assistance Program (EAP) Provided through Anthem Blue Cross, Kern Medical’s Employee Assistance Program (EAP) is designed to help you meet the challenges of modern life. The EAP offers confidential information, support, and referral service tools. Areas frequently addressed include: child care & elder care resources, budgeting tools, legal assistance, car and home buying advice, career advice, & college planning tips. In addition, three free counseling sessions, per incident are also available to you. Check out the web page at www.anthemeap.com. The password is “Kern”.

Kern Medical Employer Paid Life Insurance The plan provides life insurance to employees in certain job categories. Kern Medical pays the full cost for your coverage. Benefits are payable to your designated beneficiary under the plan.