2023 Benefits
Cheshire Medical Center Staff
Cheshire Medical Center offers a total compensation package that includes competitive health and wellness benefits.
These benefits consist of “Core Benefits” that are provided by Cheshire Medical Center as well as “Benefit Choices,” allowing you to select additional benefits to meet your personal situation and needs.
■ Health insurance
■ Dental insurance
■ Life insurance
■ Short and long-term disability
■ Earned time off/vacation time
■ Retirement plans
■ Tuition assistance
■ Identity theft protection
■ Employee assistance program
■ Pet insurance
■ Virtual Urgent Care
At Cheshire Medical Center, we understand that having a robust benefits package helps us attract the best employees— sometimes the benefits can be as important as the salary itself. Our employees should know from day one that we are invested in your wellbeing. We believe this creates a happy, healthy workforce, and that is one of the most important assets Cheshire Medical Center can have for our long-term success.
Employees budgeted at least 0.5FTE, and their eligible dependents, may participate in Cheshire Medical Center’s benefit plans on the employee’s first day of employment.
2023 Medical Plans Summary
The Cheshire Medical Center contribution will be deposited into your HRA or HSA account as a pro-rated lump sum contribution in the first pay period of the month following your benefits eligibility.
30 days
- Dartmouth Hitchcock Pharmacy
- Cheshire Medical Center Pharmacy
- The Pharmacy in Bennington & Manchester, VT
- Select CVS Retail Pharmacies
30 days
All Other Retail
- Dartmouth Hitchcock Pharmacy
90 days
- Dartmouth Hitchcock Pharmacy Mail Order
- Cheshire Medical Center Pharmacy
90 days - OptumRx Mail Service Pharmacy
Subject to deductible and 10% co-insurance
Generics $10
Brand 30% co-insurance up to $100
Specialty 50% co-insurance up to $200
Generics $15
Subject to deductible and 10% co-insurance
Subject to deductible and 30% co-insurance
Brand 40% co-insurance up to $100
Specialty 60% co-insurance up to $200
Generics $30
Subject to deductible and 30% co-insurance
Subject to deductible and 10% co-insurance
Subject to deductible and 30% co-insurance
Brand 30% co-insurance up to $300
Generics $45
Brand 40% co-insurance up to $300
Subject to deductible and 10% co-insurance
Subject to deductible and 30% co-insurance
2023 Medical & Prescription Drug Plans
Cheshire Medical Center offers you a choice of three medical plan options—the ElevateHealth HSA Plan, the ElevateHealth HRA Plan, and the Choice Health Plan. Deciding which plan to choose is a personal and financial decision. To help you choose, we have outlined some similarities and differences between the plans.
ElevateHealth Plans
ElevateHealth is an insurance partnership of Dartmouth Health, Elliot Health System, and Harvard Pilgrim Health Care. Employees who enroll in one of the two ElevateHealth plans can expect care from a network of providers and facilities primarily located in New Hampshire and Vermont where most Cheshire Medical Center employees and their families are seeking care today; however, coverage is not provided for service outside the ElevateHealth network. The only exception to this provision is in the event of an emergency situation or a service that is not provided at the facilities in the ElevateHealth network which is medically necessary.
Choice Health Plan
The Choice Health Plan, administered by Health Plans, Inc., offers a national network of providers. In the Choice Health Plan, you have access to the Harvard Pilgrim network of providers. If you choose to see a provider that is out-of-network, you will be responsible for the out-of-network deductible, coinsurance, and plan provisions.
Filling a Maintenance Medication?
After two 30-day fills, employees filling a maintenance medication will be required to order their prescription as a 90-day supply at CMC Pharmacy, or by mail from DH Pharmacy Home Delivery or OptumRX Mail Order. Maintenance medications are prescribed for long-term chronic conditions, like asthma, diabetes, and hlgh-blood pressure. Sign up by calling 855.280.3893 to speak to a pharmacy team member.
Basic
2023 Dental Plans
Plan pays 50%, no deductible, lifetime maximum benefit of $2,000 per covered member
Medical/Prescription Plan
FTE (0.75 or greater)
Base Salary $0 to $49,999
$50,000 to $99,999
Bi-Weekly Premiums for Non-Tobacco Users
ElevateHealth Plan with HSA and HRA and Choice Health Plan
Additional Premiums Or Premium Adjustments May Apply
Tobacco Use Premium: The employee contributions shown on this page are for non-tobacco users only. If you or a covered dependent use tobacco, a $15 tobacco user premium will be added to your contribution each pay period.
Spouse Premium: If you choose to cover your spouse under one of our medical plans, and your spouse has access to group-sponsored health insurance coverage through their own employer, your 2023 medical plan premium will be twice the standard premium for the coverage in which you choose to enroll. The surcharge does not apply if your spouse is employed by and is benefits eligible at Alice Peck Day, Cheshire Medical
Center, Dartmouth Hitchcock Medical Center and the Dartmouth Hitchcock Clinics, New London Hospital, or Visiting Nurse and Hospice for VT and NH.
Salary Level Premium: All salary-based insurance premiums, such as medical insurance, life and disability buy-up insurance, may increase or decrease based on salary adjustments throughout the calendar year. For example, medical insurance premiums are based on salary levels. If an employee has an adjustment in salary, the premium and/or benefit level change will take effect within two pay periods of the date in which Human Resources receives the change.
Health Care Reimbursement Account (HCRA)
The HCRA is a pre-tax savings account available to employees who waive health care coverage or enroll in the ElevateHealth HRA plan. The HCRA can be used to pay for eligible health care, dental, or vision care expenses that are not covered by insurance, for you and your eligible dependents. The maximum amount you may contribute to your HCRA is $2,850 in 2023. Once you sign up for the HCRA, you will receive a personalized debit card from HealthEquity to use when paying for your eligible health care expenses.
Note: You may not use your HSA, HRA, or HCRA to pay for, or be reimbursed for, over-the-counter medications unless prescribed by a provider.
In order to qualify for reimbursement, expenses must be incurred for the care of “eligible dependents” who the IRS defines as:
■ A child under the age of 13, or a child of any age who is physically or mentally incapable of self-care,
■ Your spouse, if physically or mentally incapable of self-care and living in your home for more than 50% of the year, or
Dependent Care Reimbursement Account (DCRA)
The DCRA is a pre-tax savings account that may be used to pay for eligible elder and child care expenses. You may only use this account if you utilize day care or elder care services so that you and your spouse can work, obtain gainful employment, or attend school full time. It is important to note that your day care or elder care provider must furnish you with his/ her Social Security Number (SSN) or Tax Identification Number (TIN) in order to receive reimbursement for your expenses. IRS regulations limit the amount you may contribute to any DCRA to $5,000 for your family (or $2,500 if married and filing separate tax returns) per calendar year.
■ Any other dependent who is physically or mentally incapable of self-care who meets specific criteria. For more details about who qualifies as eligible dependents under the DCRA, refer to IRS Publication 503, titled Child and Dependent Care Expenses, which is available by calling the IRS at 800.829.1040 or at IRS.gov.
Note: You can only participate in the DCRA if you earn less than the highly compensated limits. For the 2023 plan year, an employee who earns more than $135,000 is considered a highly compensated employee.
Cheshire Medical Center cares about your retirement. Therefore, we offer you the opportunity to contribute to a 403(b) plan to which Cheshire Medical Center may contribute.
403(b) Plan
Eligible employees may save for retirement by making voluntary contributions to the Cheshire Medical Center 403(b) plan. Your contributions—and any associated investment earnings—are vested immediately. That means they’re yours to keep, even if you should leave Cheshire Medical Center. You may save up to 100% of your income, subject to IRS annual maximums*, through:
■ 403(b) Pre-tax contributions,
■ 403(b) Roth After-tax contributions, or
■ A combination of both types of savings.
If you are age 50 or older in 2023, you may also make “ catch-up” contributions, subject to IRS annual maximums.*
You may make changes to your contributions at any time throughout the year through Transamerica.
*The 2023 IRS contribution limit is $22,500 for employees under age 50. Employees age 50 or older during the year are able to save up to an additional $7,500 in “catch-up” contributions.
Employees will receive a flatbase contribution of 4 percent of pay (up to the IRS annual compensation limit), PLUS a per pay period match of 50 percent on up to 4 percent of pay saved for a maximum matching contribution of 2 percent of pay.
Employer base and matching contributions are vested based on a three-year vesting service schedule. Employees earn one year of vesting service for each year in which they are credited with at least 1,000 hours worked in a calendar year.
403(b) Roth After Tax Plan
403(b) Roth contributions are taxed in the year they are saved. The investment income on 403(b) contributions remains taxfree if you leave your money in your 403(b) account for at least five years from the first year of contribution.
