WFUBMC Home

>

House Staff

>

Current House Staff

>

Benefits

>

Benefits

EMPLOYEE BENEFITS House Officers Effective January 1, 2009                                                  HEALTH INSURANCE: Effective Date of Coverage:  Date of hire The Hospital provides three Health Insurance Plans through MedCost Benefit Services – the Optimum Plan, the Prime Plan, and the Select Plan. All plans are self-insured, meaning that the Hospital actually pays your claims for both health care and prescription drugs, and are administered by MedCost (http://www.mbstpa.com). Pre-existing condition exclusion may be imposed for other conditions if you have been without health insurance for more than 63 days and your previous coverage was for less than 18 months.    Health Insurance Biweekly cost Level of Coverage Optimum Prime Select Employee Only $38.93 $34.50 $17.79 Employee plus Child $135.68 $120.23 $64.88 Employee plus Spouse $146.29 $129.64 $70.12 Family $204.10 $180.87 $100.47           Optimum Prime Select   WFUBMC MedCost WFUBMC MedCost WFUBMC MedCost Individual Deductible $300 $300 $300 $600 $300 $600 Family Deductible $750 $750 $600 $1,200 $600 $1,200 Individual OOP $1,000 $1,000 $2,500 $4,000 $4,500 $6,000 Family OOP $2,500 $2,500 $4,500 $7,500 $6,500 $9,500 Routine Physical $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay Well Child Care/Immunization (up to age 7)   $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay $ 0 Co-pay Pediatrician $15 Co-pay $15 Co-pay $10 Co-pay $10 Co-pay $10 Co-pay $10 Co-pay Primary Care Physician $15 Co-pay $30 Co-pay $10 Co-pay $25 Co-pay $10 Co-pay $35 Co-pay Specialist – No referral required $30 Co-pay $60 Co-pay $30 Co-pay $60 Co-pay $30 Co-pay $60 Co-pay Inpatient Hospital Care 10% 30% 20% 40% 20% 40% Outpatient Hospital Care 10% 30% 20% 40% 30% 50% Surgeon/Physician 10% 30% 20% 40% 30% 50%           Prescription Drug Program:  Enrollment in a NCBH Health Plan automatically provides you with the same prescription drug coverage.   As with the Health Plan, you will always pay the least out-of pocket costs when you utilize WFUBMC pharmacies.     VISION: Effective Date of Coverage: 31st day from date of hire Employees and dependents enrolled in the Health Care Plan are automatically enrolled in the annual eye exam portion of the Vision Plan. Those who want coverage for glasses and contacts must enroll in one of the Vision Plans. Employees not enrolled in the health care plan may enroll in both the eye Exam and Eyewear benefit portions of the Vision Plans. Check out Superior Vision’s web site for a list of providers http://www.superiorvision.com.   Vision Coverage Biweekly cost Level of Coverage Plus Standard With Medical Without Medical With Medical Without Medical Employee Only $3.84 $4.82 $2.95 $3.48 Employee plus child $6.23 $7.20 $4.79 $5.64 Employee plus Spouse $8.25 $9.23 $6.35 $7.48 Family $11.33 $12.31 $8.71 $10.26     DENTAL PLAN: Effective Date of Coverage: 91st day from date of hire MetLife administers the Dental Plan.  This plan provides 100% coverage for preventive services.  There is a $50 individual deductible and $150 family deductible for restorative services (fillings, sealants, labs, x-rays) then the plan pays 100% in network and 80% up to the reasonable and customary price out of network.  Major restorative and orthodontia are covered at 50% up to the Plan limits.  Annual benefit limit per person is $1,250 a year.  Orthodontia limit is $1,250 lifetime limit. Orthodontia is available for children and adults.   For information on the network go to http://www.metlife.com/dental.  The biweekly cost of dental coverage is below:   Dental Coverage Biweekly cost Employee Only Employee + 1 Employee + 2 Employee + 3 Employee + 4 $2.15 $6.91 $11.52 $16.28 $21.12   PRE-TAX AUTHORIZATION (Section 125):  Your employee contributions for coverage under the Health, Dental and Vision plans are not taxed.  This means that your taxes will be computed after your premiums are deducted, so you pay less tax.   LONG-TERM DISABILITY: Effective Date of Coverage: 91st day from date of hire The hospital provides a long-term disability plan at no cost to you.  This plan consists of a group plan, which offers coverage of 66 2/3% of your monthly salary up to a monthly maximum of $2,000 after you have been off work for 90 days due to a disabling condition.  There is an additional individual policy also provided by the hospital at no cost to you.  This individual policy supplements the group policy.    TERM LIFE INSURANCE: Effective Date of Coverage: 91st day from date of hire    The hospital provides basic term life insurance equal your annual salary rounded to the next highest thousand.  This benefit is provided at no cost to you.   ADDITIONAL SUPPLEMENTAL TERM LIFE INSURANCE: Effective Date of Coverage: 91st day from date of hire         Additional life insurance may be purchased for an amount of an additional one, two, three or four times your annual salary.  The bi-weekly deduction cost for this additional life insurance is based on age and amount of coverage. Dependent life insurance may be purchased for your spouse and dependent children with these options:                 Level of Coverage   Coverage Amount   Employee Cost Spouse - $2,500 = $  .092/Pay Period Spouse - $5,000 = $  .138/Pay Period Spouse - $10,000 = $  .508/Pay Period Spouse - $25,000 = $1.038/Pay Period Child/Children - $2,500 Each = $  .115/Pay Period Child/Children - $5,000 Each = $  .254/Pay Period Child/Children - $10,000 Each = $  .692/Pay Period Spouse/Each Child - $2,500 = $  .208/Pay Period Spouse/Each Child - $5,000 = $  .392/Pay Period Spouse $15,000 / Child $5,000 - $15,000 / $5,000 = $  .762/Pay Period Spouse $25,000 / Child $10,000 - $25,000 / $10,000 = $1.731/Pay Period                                                                                                                                   RETIREMENT SAVINGS PLAN: The hospital provides a tax-deferred saving plan that provides the opportunity to invest pre-tax dollars.  You have the option of investing up to the current annual maximum of $16,500 of your income.  At the end of the residency program, this money may remain in the plan or be transferred to another 403b plan, 401K plan, or an IRA account.   ADDITIONAL BENEFITS:   Action Health - Employee Wellness Program Child Care Center & Referral – (336) 716-0300 Credit Unions Elder Care Choices – (336) 748-2171 Employee Assistance Program Employee Health Services Fitness Center (Located at the Comp Rehab Building) Food Service Discounts Jury Duty Pay Parking – Paid by NCBH Unemployment Insurance Voluntary Benefits – Whole Life Insurance and Critical Illness Workers' Compensation     Additional information on Discounts is listed under “Discounts” on the left panel of the Medical Center home page under “Quick Links”.   For benefits information and the Summary Plan Descriptions which provide details of each of the benefits plans, go to the Medical Center intranet. Click on Human Resources – Hospital – Benefits – Benefits Service Guide.   To view your personal benefits information click on “Self-Service”. You will be prompted for your I.D. and password. Your I.D. is the same as your I.D. and password for your e-mail account.  You may call the Help Desk (6-Help-4357) for a password.  On the self-service website, you may: -       View your paycheck -       Change your address, phone number and federal tax information   The self service website may be accessed from desktop computers or at the kiosks located in Human Resources, in the Internet Cafe by the gift shop, by the Cafeteria, first floor Watlington Hall and on the ground floor in the hall connecting Reynolds Tower to Meads Hall.                                                                                                                                                                                           Please note that this is a summary of benefits.  In the event of differences between this summary and the Summary Plan Description (SPD), the SPD prevails.  The employee contribution amount for group insurance plans may be changed periodically.