Health System Office

Employee Benefits - Health

MEDICAL PLAN
The Medical Plan is offered through UnitedHealthcare. An employee is eligible to participate in the Medical Plan the first of the month following one month of employment if he/she is budgeted to work at least 15 hours per week.

There are three Medical Plan Options, which vary in premium and out-of-pocket expense: 1) Healthy Choice Gold; 2) Healthy Choice Silver; and 3) Healthy Choice Bronze. Each plan option allows the covered employee to decide whether to use a Bon Secours facility, UHC provider, or an out-of-network provider.

If an employee chooses not to select a Medical Plan Option, and has coverage under another group plan, he/she is eligible for an Opt-Out Credit.

PRESCRIPTION DRUG INSURANCE
Prescription Drug coverage is provided through Express Scripts for employees who enroll in one of the Medical Plan Options. Co-pays vary depending on whether the medication is Generic, Brand Formulary, or Brand Non-Formulary.

DENTAL INSURANCE
The Dental Plan is offered through MetLife. An employee is eligible to participate in the Dental Plan the first of the month following one month of employment if he/she is budgeted to work at least 15 hours per week.

The Dental Plan is a Preferred Dentist Program (PDP) which means a covered employee can decide to use an in-network provider or an out-of-network provider. Covered services include:

• Preventive and Diagnostic
• Restorative
• Orthodontia (for children and adults)

VISION INSURANCE
The Vision Plan is offered through Spectera. An employee is eligible to participate in the Vision Plan the first of the month following one month of employment if he/she is budgeted to work at least 15 hours per week.

Employees may choose the Core Option or the Buy-up Option, which offers enhanced benefits at an increased premium. Both plan options provide coverage for:

• Eye Exam
• Lenses
• Frames
• Contact Lenses
• Discounts for Refractive Eye Surgery

FLEXIBLE SPENDING ACCOUNTS (FSAs)
Flexible Spending Accounts are offered through ConnectYourCare. An employee is eligible to participate in the FSAs the first of the month following one month of employment if he /she is budgeted to work at least 15 hours per week.

FSAs allow an employee to set aside tax-free dollars from his/her paycheck to pay for approved health care expenses not covered by insurance (such as co-pays and deductibles) or dependent care expenses (such as licensed day care expenses).

Maximum annual contributions are as follows:
Healthcare FSA – $5,000
Dependent Care FSA – $5,000