GOOD SHEPHERD HEALTH CARE SYSTEM

SYSTEM-WIDE POLICIES AND PROCEDURES

Human Resources

 

SUBJECT:  Benefits, Employee

 

 

 

ADMINISTRATIVE APPROVAL: 

 

 

NO.   501

SUPERSEDES:   B-099

Page 1 of 6

DEPARTMENT RESPONSIBLE FOR POLICY MAINTENANCE:  HR

 

REVISED DATE:  12/02, 11/03, 12/03, 12/04, 12/05, 9/06

 

FORMULATED:  01/93

REVIEW DATE:   12/97   12/98

12/99

12/00

12/01

12/02

11/03

12/04

 12/05

 

 

A.         HEALTH INSURANCE – REGENCE BLUE CROSS BLUE SHIELD

Full premium rates effective Nov 1, 2006 to Oct 31, 2007  

 

                                                                                           FULL RATE            COBRA COST

                        Single                                                              459.64                         468.84

Employee & Child(ren)                                   825.39                         841.90

Employee & Spouse                                       964.54                         983.83

Family                                                           1332.74                       1359.39

 

Premium portions to be paid by covered employees are:

 

1.                   Full-time employees & part-time employees working 90% or more of a full-time employee:

                                                     

Single                                             $  45.96                                              

Employee & Child(ren)                   $155.68                                  

Employee & Spouse                       $197.42                                  

Family                                            $307.88                                  

 

2.                  Part-time employees working 71% to 89% of full-time employee:

                                                       

Single                                             $108.02                                  

Employee & Child(ren)                   $256.14                                  

Employee & Spouse                       $312.50                                  

Family                                            $461.62                                  

 

3.                  Part-time employees working 50% to 70% of full-time:

                                                       

Single                                             $149.38

Employee & Child(ren)                   $323.10                                  

Employee & Spouse                       $389.20                                  

Family                                            $564.10                                  

 

 

 

 

HEALTH INSURANCE – REGENCE BLUE CROSS BLUE SHIELD

 

Health Savings Account – H.S.A.  $1500 single deductible $3000 Family deductible.  After meeting deductible this plan pays 80% for prescriptions and medical expenses.

 

Full Premium Rates Effective NOV 1, 2006 TO OCT 31, 2007 

 

                                                                                           FULL RATE             COBRA COST

                        Single                                                              305.69                         311.80

Employee & Child(ren)                                   562.29                         573.54

Employee & Spouse                                       658.19                         671.35

Family                                                             910.69                         928.90

 

Premium Portions to be Paid by Covered Employees are:

 

4.                   Full-time employees & part-time employees working 90% or more of a full-time employee:

                                                                                          GSHCS CONTRIBUTION

                                                                                                         TO HSA

Single                                             $  15.28                                   $50.00/Month

Employee & Child(ren)                   $  92.26                                   $100.00/Month

Employee & Spouse                       $121.04                                   $100.00/Month

Family                                            $196.78                                   $100.00/Month

 

5.                  Part-time employees working 71% to 89% of full-time employee:

                                                       

                                                                                          GSHCS CONTRIBUTION

                                                                                                         TO HSA

Single                                             $  58.06                                   $42.50/Month

Employee & Child(ren)                   $162.78                                   $85.00/Month

Employee & Spouse                       $201.62                                   $85.00/Month

Family                                            $303.88                                   $85.00/Month

 

 

6.                  Part-time employees working 50% to 70% of full-time:

                                                       

                                                                                          GSHCS CONTRIBUTION

                                                                                                         TO HSA

Single                                             $  87.90                                   $37.50/Month

Employee & Child(ren)                   $209.77                                   $75.00/Month

Employee & Spouse                       $255.32                                   $75.00/Month

Family                                            $375.26                                   $75.00/Month

 

 

 

 

 

 

 

 

 

 

B.        DENTAL INSURANCE - GOOD SHEPHERD EMPLOYEES’ GROUP DENTAL PLAN

(ADMINISTERED BY OREGON DENTAL SERVICE)

 

Full Premium Rate Effective: NOVEMBER 1, 2006 – OCTOBER 31, 2007

 

                                                                               FULL RATE                      COBRA COST                

Employee                                                                    $22.41                                $22.86                 

Dependents                                                                $35.77                                $36.49

TOTAL                        $58.18                                $59.35     

 

 

Monthly premium portions to be paid by covered employees are:

 

 

  1. Full-time employees & part-time employees working 90% or more of a full-time employee:

                                                                   

Single                                                     $1.12                                    

Employee + Dependents                       $19.00                                    

 

  1. Part-time employees working 71% to 89% of full-time employee:

                                                                   

Single                                                     $4.31                                    

Employee + Dependents                       $24.88                                    

 

  1. Part-time employees working 50% to 70% of full-time:

                                                       

Single                                                     $6.44                                    

Employee + Dependents                       $28.80                                    

 

C.        OPTICAL INSURANCE - GOOD SHEPHERD EMPLOYEES’ GROUP VISION PLAN

(ADMINISTERED THROUGH OREGON DENTAL SERVICE)

 

Full premium rate effective: NOVEMBER 1, 2006 – OCTOBER 31, 2007

 

                                                                        FULL RATE            COBRA COST

                        Single                                         16.60                          16.93

            Two Party                                  24.12                          24.60

            Family                                        39.08                          39.86

 

1.   Full-time employees & part-time employees working 20 or more hours per week:

                                                                   

Single                                       $8.30                                      

Two party                                $12.06                                    

Family                                      $19.54                                    

 

 

 

 

 

 

 

           

D.        LIFE INSURANCE - (KANSAS CITY LIFE)

 

1.         Hospital pays 100% of employee premium for employees who work 20 hours or more per week.  Coverage is equivalent to the employee’s annual salary rounded up to the nearest $5,000 (Maximum $50,000).

 

2.         Enrolled Employees may elect to cover their dependents with life insurance, ($10,000 for a spouse and $2,000 for each child over six months old).  Cost for dependent coverage is $2.05 per month.

 

3.         Covered employees may purchase additional life insurance at low group rates in amounts equivalent to one times or two times the base amount that the hospital pays for.

 

SUPPLEMENTAL LIFE:  Monthly Premium cost per thousand

Age                  Rate                            Age                  Rate   

29 & less         .05 cents                     50-54               .36 cents

30-34               .06 cents                     55-59               .58 cents

35-39               .08 cents                     60-64               .70 cents

40-44               .13 cents                     65-69               $1.61

45-49               .22 cents                     70-74               $2.00

PAGE 1                                                                                                          EMPLOYEE BENEFITS AT A GLANCE

BENEFIT

EFFECTIVE DATE

BENEFIT AMOUNT

EMPLOYEE COST

HOSPITAL PAYS

EMPLOYEES

AFFECTED

BENEFIT PROVIDER

REMARKS

HEALTH INSURANCE

 

(PPO PLAN)

1st of the month following 60 day waiting period.

PPO plan with a $20 Co-pay for most services. Medical calendar year deductibles of $250 per member/$750 per family.  Plan includes a prescription drug card benefit where patient pays a flat amount of the prescription cost. Plan also includes complementary care and EAP benefits. Refer to Medical Handbook.

See attached schedule.

GSHCS pays 90% of premium for full-time employees & 70% for dependents, up to a cap.  

 

For part-time employees GSHCS pays a percentage of the premium paid for full-time employees.

Regular full-time employees and regular part-time employees working at least 20 hours per week.

Regence Blue Cross Blue Shield

Enrollment optional.

 

 

Open Enrollment period normally in September.

HEALTH INSURANCE

 

(HSA PLAN)

1st of the month following 60 day waiting period.

High deductible PPO plan where patient pays all expenses until deductible of $1500 for single coverage or $3000 for family coverage is met each calendar year.  After deductible is met plan pays 80% when using PPO. 

 

Refer to Medical Handbook.

See attached schedule.

 

Employee may contribute extra pre-tax dollars to HSA account that if not spent for health reasons can be used for retirement.

GSHCS pays 95% of the premium for full-time employees & 70% for dependents,  

and also contributes a set amount to your Health Savings account from which deductibles and out of pocket expenses can be paid.    

 

GSHCS contributes a pro-rated percentage of premium and HSA contribution for part-time employees.

Regular full-time employees and regular part-time employees working at least 20 hours per week.

Regence Blue Cross Blue Shield

Enrollment optional.

 

 

Open Enrollment period normally in September.

DENTAL INSURANCE

1st of the month following 60 day waiting period.

Plan pays preventative items, (exam, x-rays, cleaning) at 100% with no deductible.

Subject to$50 deductible per person $150 deductible per family per year, Plan pays 80% for fillings, and extractions.  Pays 50% for bridges, caps and crowns.  12 month exclusion period for major dental services.  Refer to Dental Handbook.

See attached schedule.

GSHCS pays 95% of premium for full-time employees and 50% for full-time employee dependents.

 

GSHCS contributes a pro-rated percentage of premium for part-time employees     

Regular full-time employees and regular part-time employees working at least 20 hours per week.

Good Shepherd Employees’ Group Dental Plan

 

ODS Administers Plan

Enrollment optional.

VISION INSURANCE

1st of the month following 60 day waiting period.

One vision exam every 24 months for adults.  (Every 12 months for children).

 

Lens and Frames every two years or equivalent amount towards contact lens.

See attached schedule.

Cost is split equally between employer and employee.

Regular full-time employees and regular part-time employees working at least 20 hours per week.

Good Shepherd Employees’ Group Vision Plan

 

ODS Plan

 

Enrollment optional.

 

PAGE 2                                                                                                          EMPLOYEE BENEFITS AT A GLANCE

BENEFIT

EFFECTIVE DATE

BENEFIT AMOUNT

EMPLOYEE COST

HOSPITAL PAYS

EMPLOYEES

AFFECTED

BENEFIT PROVIDER

REMARKS

LIFE INSURANCE

1st of the month following 60 day waiting period.

Annual salary rounded up to next $5,000 increment, maximum of $50,000.  Double base amount if accidental death.  Dependent coverage optional.  Supplemental insurance available at low group rates.

 

-0- for employees coverage.

 

$2.05 a month for benefits for dependents.  *Supplemental rates age based.

100%

Regular full-time employees and regular part-time employees working at least 20 hours per week.

Kansas City Life

Conversion option available when leaving GSHCS.

AFLAC

SUPPLEMENTAL INSURANCE

1st of the month following 60 day waiting period.

Employee may choose Personal Individual Insurance plans including:

Cancer Protector, Accident Expense, Voluntary Indemnity, Vision, & Short-Term Disability.

Varies depending on the plan.  Some rates are age based.

N/A

Regular full-time employees and regular part-time employees working at least 20 hours per week.

AFLAC

Enrollment optional.

SECTION 125 FLEXIBLE SPENDING ACCOUNT

1st of the month following 60 day waiting period, or January 1 each year.

Employees have several options regarding participation and amounts they wish to set aside in their Flexible Spending Account.

No cost for paying premium only. 

$5.25 per month to participate in Flexible Spend-ing Account. 

 

$1.50 Per month for Flex Card.

Plan set-up and administration fees.

All regular employees.

 

Employees must enroll each year in November for the ensuing year.

BenefitHelp Solutions, an ODS company, administers program

This benefit provides method for pre-tax payments of insurance premiums, dependant care, and medical expenses.

RETIRE-MENT PROGRAM

Eligible to participate on January 1, April 1, July 1, or Oct 1, after completing 2 yrs of continuous employment.

Employer contributions is based on gross salary excluding overtime. 

 

Years of Service          Contribution %

2-5                                                      4%

6-10                                                  5%

11-20                                               6%

20+                                   8%

-0-