2021 Recruitment Guide
Together, we grow stronger in our mission. As the largest employer in the Monadnock Region, Cheshire Medical Center recognizes that we have great responsibilities—both to the communities we serve and to our employees who come together each day to provide patient-centered care. I am proud to share in Cheshire’s commitment to a meaningful and fulfilling work environment that values our employees’ contributions. With a history extending more than 125 years, Cheshire plays a unique and essential role in the Monadnock Region. Ever since Cheshire was founded as the Elliott Community Hospital in 1892, we’ve been a source of hope and healing. We celebrate with patients in times of joy and provide comfort in difficult moments. We’re much more than a hospital—we’re also the region’s largest employer and a partner to dozens of community organizations. Joining the Dartmouth-Hitchcock Health system in 2015 has strengthened our ability to contribute to the vitality and quality of life in our community. Together, we are finding innovative ways to ensure sustainable, high quality health care into the future. For example, through the support of the health system, Cheshire has increased inpatient capacity and expanded our capabilities in critical care. We are also seeing the benefits of new business systems, including our electronic medical record system. We have just begun the first year of a 3-Year Strategic Plan with four key areas of focus: Our Patients, Our People, Our Community, and Our Organization. Central to each of these is our priority of quality and safety in all that we do. I am pleased to share that the progress of our strategic plan in this current fiscal year indicates that we are on the right path. I hope you will consider joining our team at Cheshire Medical Center. Together, we can continue to grow stronger in our mission of advancing the health and wellness of the Monadnock Region by delivering outstanding care and exceptional service to the individuals and communities we serve.
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The core belief that the health and wellness of every member of our community matters fuels our mission and
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our goals.
Don Caruso, MD, MPH President and CEO/CMO, Cheshire Medical Center Cheshire Medical Center 2021 Recruitment Guide
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A breadth and standard of care rarely found in community hospitals A licensed 169-bed, Joint Commissionaccredited regional medical center with a 59.3 average daily inpatient census, Cheshire Medical Center provides the communities in the Greater Monadnock Region a continuum of care spanning primary care and specialty medicine, to surgical services and acute inpatient care. For over 125 years, the professionals employed at our nonprofit medical center have been caring for the health and wellness of our local community. Cheshire Medical Center, a leading member of the world-class Dartmouth-Hitchcock Health system, advances the health and wellness of the communities throughout the Monadnock Region through a combination of outstanding care and exceptional service. On our Keene campus, our team delivers an impressive range of clinical services that reflect the needs of the individuals and communities we serve. Being part of the Dartmouth-Hitchcock family enables us to provide services that far exceed those of a typical rural hospital, including extensive programs in primary care, cancer care, cardiology, orthopaedics, and public health.
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Cheshire Medical Center 2021 Recruitment Guide
Our clinical practice is distinguished by an exceptional staff, a deep commitment to safety and quality, and a culture that values the contribution of every staff member and volunteer. Our physicians and providers go through Dartmouth-Hitchcock Health system’s rigorous credentialing process, and our nursing staff represent professionals with specialized skills, degrees, and certifications. Cheshire shares an integrated health information system with our Walk-In Care Clinic, satellite family medicine clinics in Walpole and Winchester, The Doorway in Keene, as well as with Dartmouth-Hitchcock Medical Center and Dartmouth-Hitchcock locations in Lebanon, Nashua, Manchester, and Concord. Our membership in DartmouthHitchcock Health also enables us to provide access to hundreds of highly trained specialists and a depth of clinical and technical resources that enhance our capacity to serve our neighbors and strengthen our daily pursuit of excellence. Together, we are able to provide more efficient and effective care with a state-of-the-art, lowercost, alternative to seeking care out-of-region.
DEPARTMENTS AND SERVICES :
Accolades and Awards In addition to our high marks for hospital safety, Cheshire Medical Center is proud to have received the following recognition for excellence in health care: • Keene Sentinel Reader’s Choice Awards for over six years, Cheshire has been voted “best of” in multiple categories. • New Hampshire Magazine 2020 Annual Top Doctors issue, ten Cheshire physicians have been recognized as Top Doctors in NH by their peers. • American College of Radiology, Cheshire has earned the designation of Breast Imaging Center of Excellence by the American College of Radiology. • National Accreditation Program for Breast Centers, Cheshire has been awarded a three-year/Full Accreditation designation. • Becker’s Hospital 2014 & 2015 Review, Cheshire was recognized as one of 100 Great Community Hospitals. • Business NH Magazine 2014 Annual Business of the Year Awards, Cheshire was awarded 2014 Business of the Year in the Healthcare category. • American Hospital Association’s Carolyn Boone Lewis—Living the Vision Award, Cheshire was recognized for our work to improve the health of its community through actions that go beyond traditional clinical care. • U.S. Department of Health and Human Services’ Million Hearts® Hypertension Control 2013 Champion Award, Cheshire was recognized for excellence in using evidence-based strategies to help patients control blood pressure. • Joint Commission National Quality Accreditation 2013 Gold Seal of Approval, Cheshire was a Top Performer on Key Quality Measures. • Commission on Cancer Commendation for Excellence in Cancer Care 2012 was awarded to Norris Cotton Cancer Center at Kingsbury Pavilion. • American Association of Critical-Care Nurses Silver Beacon Award was earned by Cheshire’s ICU/Telemetry Team 2012.
Allergy/Immunology Anesthesiology Audiology Bariatrics Cardiology Dermatology Dietitian Services Ear, Nose & Throat Emergency Medicine Endocrinology Family Medicine Gastroenterology Geriatrics Gynecology Hospital Medicine Internal Medicine Laboratory Lactation Mammography Nephrology Neurology Obstetrics & Nurse Midwifery Oncology Ophthalmology Optical Shop Orthopedics Pain Center Palliative Care Pathology Pediatrics Pharmacy Physical Therapy Podiatry Pulmonary Medicine Radiology Rehabilitation Services Research Rheumatology Sports Medicine Surgery Urology Walk-In Care
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Life, work, and play are exceptional in the Granite State Annually recognized among the best states to live in, New Hampshire boasts advanced educational institutions, high-quality health care, diverse cultural and recreational offerings, growing industries in technology, precision, and advanced manufacturing, low taxes (no state income tax), a low crime rate, and a high employment rate. In the Monadnock Region, you can take your career to a new level while enjoying a great quality of life. The Monadnock Region, nestled between Vermont, Massachusetts, and Mount Monadnock—the second-most climbed mountain in the world, behind only Japan’s Mount Fuji—is a jewel, even within our fair state. There are endless outdoor recreation opportunities, from hiking and mountain biking to boating and cross-country skiing right here, and we are just a one hour-drive from Okemo or Mount Snow, and an hour and a half to Lake Winnipesaukee. Our region is home to a flourishing local food scene with several farmers’ markets, a food co-op, CSAs, and many farm-to-table restaurants. We also enjoy a thriving arts scene as the home of the MacDowell Colony for artists, The Colonial Theater, Redfern Arts Center at Keene State College, Peterborough Players, Apple Hill Center for Chamber Music, MoCo Arts, the Monadnock Art Tour, and countless museums, small performance venues, and festivals. Keene—with its vibrant downtown, picturesque Main Street, and network of biking and hiking trails—is Cheshire County’s center for shopping, dining, culture, entertainment, business development, and human services. While home to 23,000 people and more than 4,000 Keene State College and Antioch University New England students, an average of 79,000 people work, shop, and conduct business in Keene on a daily basis. With the supportive community of a small town, the cultural offerings of a small city, and easy access to Boston, New York, and even Montreal, we think you will fall in love with where we live.
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Cheshire Medical Center 2021 Recruitment Guide
Benefits Program at Cheshire Medical Center The following pages are excerpted from the 2021 Cheshire Medical Center Benefits Guide. This 2021 Guide provides a summary of CMC benefits plans effective January 1 – December 31, 2021. In the event of any inconsistency between the Guide and our Plan Document, the Plan Document and any applicable amendments will govern. CMC reserves the right to change the levels and types of benefits offered, or otherwise terminate the Plans, in whole or in part, at any time at its sole discretion.
Benefits Your Way.
Benefits Guide 20 21
Benefits Eligibility Employees are eligible to participate in all benefits if hired to work at least 20 hours per week.. Benefits include: • Medical Insurance • Dental Insurance • Basic Life Insurance • Supplemental, Spousal and Dependent Life Insurance • Short Term Disability Insurance • Long Term Disability Insurance • Flexible Spending Accounts (Medical and Dependent Care) • Earned Time There is no waiting period to contribute to the 403(b) and no minimum hours required to contribute.
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Medical and Prescription Drug Insurance Helpful Information The CMC medical and prescription drug program is designed to offer employees choice of quality health care options. We encourage employees and dependents to establish a relationship with a primary care provider (PCP) or practice to oversee their health and coordinate their care.
Medical Insurance Premiums The employee premiums that are deducted from your paycheck are based on the coverage level and your base annual salary. However, premiums will not differ based on the plan you choose.
Preventive Care Services
As we focus on helping employees maintain good health, we continue to offer in-network medical preventive care services covered at 100%, with no deductibles, co-pays, or co-insurance. Examples of preventive covered services include routine: mammograms, colonoscopies, labs, immunizations, well-child care for babies and children, and physicals for adults. For a more complete list of covered preventive care services, please refer to the Summary Plan Description. The list is also available at IRS.gov or by contacting Health Plans, Inc.
Prescription Drugs
You must enroll in a CMC medical plan to participate in the prescription drug coverage. The cost of prescription drugs continues to increase year-after-year, particularly the cost of specialty drugs. Employees may save money by purchasing a 90-day supply of maintenance drugs. The 90-day supply of drugs may only be purchased through the DHMC Pharmacy (in-person or mail-order) or in person at CMC Pharmacy. If not available through DHMC or CMC, 90 day prescriptions may be obtained through Optum Rx mail order. Employees may find additional savings by utilizing prescription coupons made available at various websites such as GoodRx.com, Target.com and Walmart.com.
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Cheshire Medical Center 2021 Recruitment Guide
Preventive Drug List
Preventative drug coverage is an integral part of a comprehensive health care plan which includes preventive drug therapy. Preventive medications are those prescribed to prevent the occurrence of a disease or conditions for those individuals with risk factors, or to prevent the reoccurrence of a disease or condition for those who have recovered: conditions such as high blood pressure, high cholesterol, diabetes, asthma, osteoporosis, and heart attack. In our ElevateHealth HSA plan and our Choice Health Plan, drugs on the Preventive Drug List will by-pass the deductible and only require you to pay co-insurance. Optum Rx manages this program and the list of drugs included in the Preventive Drug Program.
Prescription Advantage
The prescription Advantage Program provides discounted rates on certain approved prescription drugs (those on the Prescription Advantage Drug List) purchased at the DHMC Pharmacy, whether purchased in person or through the mail. The DHMC Pharmacy will mail these prescriptions to you at no cost. This is a special program offered through the DHMC Pharmacy. Employees and dependents are eligible for this program, regardless of participation in a CMC Medical Plan.
Diabetes Management Program All employees and their dependents who are on diabetic medications and enrolled in a CMC medical plan will have zero copay for any diabetic drug that is covered on the OptumRx formulary and is filled at the DHMC Pharmacy or Cheshire Medical Center Retail Pharmacy. This includes all diabetic test strips, lancets, insulin, metformin and other diabetes medications. In addition, diabetic medical supplies obtained through a participating Durable Medical Equipment (DME) provider will be covered by the CMC medical plans with a zero cost to the employee. This includes supplies for insulin pumps such as reservoirs and infusion sets.
Low Premium Medical/Prescription Drug Plans ElevateHealth is an insurance partnership of Dartmouth Hitchcock, Elliot Health System, and Harvard Pilgrim Health Care. Employees who enroll in one of the two ElevateHealth plans may expect care from a high quality, close-knit network of providers focused on keeping you healthy and well. ElevateHealth Providers and facilities are located where most CMC employees and their families are seeking care today; primarily in New Hampshire and Vermont. (Providers outside of the ElevateHealth Network are not covered, except in case of Emergency Care). Dependents living outside of the ElevateHealth Network have expanded in-network coverage using the Harvard Pilgrim National Network once the Out-of-Area Dependent Form is completed and submitted to Health Plans, Inc. Since we understand that the ElevateHealth Plans are not a “one size fits all�, we have the Choice Health HSA Plan offering to provide a full network with national coverage for employees and their family members.
ElevateHealth HSA Plan
ElevateHealth HRA Plan
Choice Health HSA Plan
Plan Features Preferred Providers Deductible* Co-Insurance
Out of Pocket Maximum
CMC Annual HSA or HRA Contribution per base annual salary:
$0 - $34,999 $35,000 - $74,999 $75,000 +
ElevateHealth Network
Single: $1,400 Family: $2,800 10% after deductible
Preferred Providers
ElevateHealth Network
Single: $1,400 Family: $2,800
30% after deductible
10% after deductible
30% after deductible
Single: $2,200 Family: $4,400 (includes prescription drugs)
In-Network
Out-of-Network
Single: $2,000 Family: $4,000
Single: $4,000 Family: $8,000
30% after deductible
50% after deductible
Single: $3,400 Family: $6,800 (includes prescription drugs)
Single: $5,600 Family: $11,200 (includes prescription drugs)
HSA Single/HSA Family
HRA Single/HRA Family
HSA Single/HSA Family
$800/$1,600 $600/$900 $400/$700
$600/$1,200 $300/$600 $150/$300
$800/$1,600 $600/$900 $400/$700
In-Network Benefit Coverage Highlights Preventative Care
Plan Pays 100% of eligible services
Routine Eye Exam
Plan pays 100%, one routine eye exam per member, per year
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Low Premium Medical/Prescription Drug Plans continued Pharmacy Benefits
30-day
ElevateHealth HSA Plan
ElevateHealth HRA Plan
Choice Health HSA Plan
CMC Pharmacy and DHMC Pharmacy
CMC Pharmacy and DHMC Pharmacy
CMC Pharmacy and DHMC Pharmacy
The Pharmacy in Bennington, VT & Manchester, VT
The Pharmacy in Bennington VT, & Manchester, VT
The Pharmacy in Bennington VT, & Manchester, VT
Colonial Pharmacy in New London, NH
Colonial Pharmacy in New London, NH
Colonial Pharmacy in New London, NH
Select CVS Retail Pharmacies
Select CVS Retail Pharmacies
Select CVS Retail Pharmacies
Subject to Deductible and 10% co-insurance
Generics: $10 Brand: 30% co-insurance up to $100 Specialty: 50% co-insurance up to $200
Subject to Deductible and 10% co-insurance
All Other Retail
All Other Retail
Subject to Deductible and 30% co-insurance
DHMC Pharmacy CMC Pharmacy or DHMC Pharmacy Mail Order Generics: $30 Brand: 30% co-insurance up to $300 Specialty: 50% co-insurance up to $600
DHMC Pharmacy CMC Pharmacy or DHMC Pharmacy Mail Order
Optum Rx Mail Order
Optum Rx Mail Order
Optum Rx Mail Order
The Pharmacy in Bennington VT, & Manchester, VT
The Pharmacy in Bennington VT, & Manchester, VT
The Pharmacy in Bennington, VT & Manchester, VT
Colonial Pharmacy in New London, NH
Colonial Pharmacy in New London, NH Generics: $45 Brand: 40% co-insurance up to $300 Specialty: 60% co-insurance up to $600
Colonial Pharmacy in New London, NH
DHMC Pharmacy CMC Pharmacy or DHMC Pharmacy Mail Order Subject to Deductible and 10% co-insurance
90-day
All Other Retail
Generics: $15 Brand: 40% co-insurance up to $100 Specialty: 60% co-insurance up to $200
Subject to Deductible and 30% co-insurance
Subject to Deductible and 30% co-insurance All Other Retail Not Available
All Other Retail Not Available
Subject to Deductible and 10% co-insurance
Subject to Deductible and 30% co-insurance All Other Retail Not Available
Specialty Medications • • •
Must be ordered through the D-H Specialty Pharmacy Are limited to a 30-day supply per refill If a brand medication is requested when a generic is available, you will pay the plan copay/coinsurance for the brand medication plus the difference between the cost of the brand and generic medication.
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Cheshire Medical Center 2021 Recruitment Guide
2021 Employee Medical Premium Contributions ElevateHealth HSA, ElevateHealth HRA and Choice Health HSA Plans: Full Time: 30-40 Hours Base Salary $0 to $34,999
Employee Bi-weekly Contributions
Employee
$52.27
Employee & Child(ren)
$78.41
Employee & Spouse
$109.77
Family
$144.47
Base Salary $35,000 to $74,999 Employee
$62.40
Employee & Child(ren)
$93.60
Employee & Spouse
$131.04
Family
$172.47
Base Salary $75,000 or greater Employee
$70.50
Employee & Child(ren)
$105.74
Employee & Spouse
$148.03
Family
$194.83
Part-time: 20- 29 Hours Employee Bi-weekly Contributions Employee
$125.86
Employee & Child(ren)
$192.60
Employee & Spouse
$266.97
Family
$350.99
Additional Premium May Apply Tobacco Use Premium The Cheshire Medical Center medical plans require employees to affirm whether they, or any of their covered dependents, use tobacco. Covered dependents include spouse or any children enrolled in the plan. Employees may be subject to a tobacco surcharge of $15.00 per bi-weekly pay period. It is important to note that the surcharge will be $15.00 per pay period regardless of the number of family members who use tobacco. If, at any point throughout the year, the tobacco user(s) stops using tobacco products and are tobacco free for 30 calendar days, the covered employee will be required to sign an affidavit. If an employee or his/her covered dependents are unable to achieve tobacco-free status for medical reasons, physician documentation is required in order to waive the surcharge. Tobacco products include: cigarettes, pipes, cigars, snuff or chewing tobacco, and electronic cigarettes.
Spousal Surcharge If you choose to cover your spouse under a Cheshire Medical Center medical plan, and your spouse has access to group-sponsored health insurance coverage through his/her own employer, your health care contributions will be twice the standard premium for the coverage you choose to enroll in.
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Health Savings Account (HSA) The HSA is a tax-free savings account that can be used to pay for qualified out-of-pocket medical, dental or vision care expenses, as well as to save for future health care costs. CMC provides a base contribution to each eligible employee’s HSA account enrolling in the ElevateHealth HSA Plan or the Choice Health HSA Plan. Employees may opt out of the HSA contribution. The Health Savings Account will be administered by HealthEquity, Inc. For a list of eligible expenses visit HealthEquity.com.
HSA Eligibility 1. Neither you or your spouse are enrolled in a Health Reimbursement Account (HRA) or full purpose Healthcare Flexible Spending Account (FSA) 2. Not claimed as a dependent on another’s tax return. 3. Not enrolled in Medicare. 4. Not insured under any other medical plan that is not a High Deductible Health Plan (HDHP). 5. Have not received VA benefits (Medical or Rx) during the past 3 months. Upon turning age 65 and enrolling in Medicare A, or being in receipt of Medicare due to one of Medicare’s qualifying eligibility rules, an employee is not eligible to receive or contribute to the HSA. Any funds still in the account are accessible for qualified expenses. However, if a member defers his/her enrollment in Medicare s/he is able to participate in the HSA benefit. During the Open Enrollment period employees must attest that they meet eligibility requirements in order to receive a contribution.
Contributions to Your HSA Account CMC Contribution To help you pay for some of the expenses associated with the ElevateHealth HSA Plan or the Choice Health Plan, CMC will make a lumpsum contribution to each eligible employee’s HSA, based on the coverage level elected and the employee’s annual base salary. CMC will contribute the following tax-free contribution for 2020: Base Annual Salary HSA Single/HSA Family $0 - $34,999 $800/$1,600 $35,000 - $74,999 $600/$900 $75,000 + $400/$700 Employees beginning employment after January 1 will receive a pro-rated lump-sum contribution in the first pay period of the month following your benefits eligibility.
Your Contributions In addition to CMC’s contribution, you may elect to make additional pre-tax contributions to your HSA through payroll deductions, subject to IRS annual limits. For 2021, the limit is $3,600 for employee only coverage and $7,200 for all other coverage levels. These amounts represent the total amount (your contributions plus CMC’s contribution) that can be deposited into your account in 2021. Employees who are age 55 or older may also make additional “catch-up” contributions of up to $1,000 to their HSA. Remember, the amount you contribute to your HSA is pre-tax and the dollars that are deposited in your HSA belong to you, whether deposited by you or CMC. The HSA does not have a “use it or lose it” rule, so you can carry-over your balance from year-to-year and you can take the account with you if you leave or retire from CMC. You may start, stop, or change your HSA payroll contribution amount at any time during the year through the benefit portal.
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Cheshire Medical Center 2021 Recruitment Guide
Health Savings Account (HSA) continued Penalties for Non-Eligible Health Care Expenses under an HSA The IRS governs the provisions of the HSA and provides guidelines on what is considered an eligible health care expense. If you use your HSA funds to pay for non-eligible health care expenses, you may be subject to a 20% penalty and your non-eligible expense will be treated as taxable income. In the event of an IRS audit, employees must show receipts of eligible health care expenses reimbursed. For more information, please refer to IRS.gov/pub969. Remember: If elected, it is your responsibility to keep accurate records to prove to the IRS that distributions were for qualified medical, dental or vision expenses. Save all documentation for IRS auditing purposes. IRS Form 8889 is required to be filed with your taxes. Forms are available online at IRS.gov.
Limited Purpose Flexible Spending Account (LP-FSA) In addition to the HSA account, employees who elect the Elevate Health HSA Plan or the Choice Health HSA Plan may also participate in the LP-FSA. The LP-FSA may be used to pay for eligible dental or vision care expenses for you and your eligible dependents. Medical expenses may not be applied towards the LP-FSA. The CMC 2021 maximum limit you may contribute to your account is $2,750.
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Health Reimbursement Account (HRA) The HRA is a savings account that can be used to pay for eligible out–of-pocket health care, dental, or vision expenses. Only CMC can contribute to an HRA and will provide a contribution for employees who enroll in the ElevateHealth HRA Plan. Once your HRA is activated through HealthEquity, you will receive a personalized debit card to use when paying for your eligible expenses. You will also have access to Health Equity’s on-line system to help you manage your HRA. The balance in your HRA account accumulates and rolls-over each year if you continue to enroll in the ElevateHealth HRA Plan. HRAs are employer based accounts so you will not have access to the HRA if you enroll in a different plan, leave, or retire from CMC.
Contributions to Your HRA Account CMC Contributions: To help you pay for some of the expenses that will be subject to your health care plan deductible and co-insurance, if you enroll in the ElevateHealth HRA plan and are eligible for HRA contributions, CMC will make a contribution to your HRA based on the coverage level you elect and your annual base salary. CMC will contribute the following amounts for 2021: Base Annual Salary Single/All other coverage levels $0 - $34,999 $600/$1,200 $35,000 - $74,999 $300/$600 $75,000 + $150/$300 If you are a new hire in 2021 or you are newly eligible in 2021, you will receive a pro-rated lump sum contribution in the first pay period of the month following your benefits eligibility.
Your Contributions: Employees cannot make contributions to an HRA, but can contribute to the Full Purpose Medical FSA which offers pre-tax savings.
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Cheshire Medical Center 2021 Recruitment Guide
Flexible Spending Account (FSA) Full Purpose Medical FSA (FP-Medical FSA)
The FP-Medical FSA is a pre-tax savings account available to employees who waive health care coverage, enroll in the Cheshire Medical Center ElevateHealth HRA Plan, or are ineligible to participate in the HSA contribution. The FP-Medical FSA 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 FSA is $2,750 for 2021.
Limited Purpose Medical FSA (LP-Medical FSA)
The LP-Medical FSA is a pre-tax savings account available to employees who are enrolled in the Elevate Health HSA or Choice Health Plans. The LP-Medical FSA can only be used to pay for eligible dental or vision care expenses but cannot be used to pay for eligible health care expenses. This allows for additional pre-tax savings for those who will be incurring eligible dental and vision expenses in the calendar year while allowing the HSA funds to be preserved for medical expenses only. The same annual limits and deadlines for submission that apply to the FP-Medical FSA apply to the LP-Medical FSA as well as the “qualified life event” requirements to make a change to the LP-Medical FSA.
Dependent Care FSA (DC-FSA)
The DC-FSA is a pre-tax savings account that may be used to pay for eligible elder and/or child care expenses so that you can be gainfully employed. You may only use this account if you utilize child 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 child 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 a DC-FSA to $5,000 for your family (or $2,500 if married and filing separate tax returns) per calendar year. 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. • Any other dependent (including your same sex spouse) who is physically or mentally incapable of self-care and who meets specific criteria. For more details about who qualifies as eligible dependents under the DC-FSA, 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 DC-FSA if you earn less than the highly compensated limits. For the 2021 plan year, an employee who earns more than $130,000 in 2020 is considered a highly compensated employee.
Health Equity administers both the medical and dependent care Flexible Spending Accounts. Participants in the Medical FSA will receive a personalized debit card from Health Equity to use when paying for eligible health care expenses.
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Dental Insurance Cheshire Medical Center offers two Dental Plan options for you and your eligible dependents through Northeast Delta Dental: • Basic Dental • Enhanced Dental Dental hygiene can impact your overall physical health. Practicing good oral care, such as brushing and flossing daily and visiting your dentist on a regular basis, are important steps toward keeping your mouth free from the build-up of bacteria that can lead to oral infections. Preventive screenings (dental check-ups and cleanings) can also help detect signs of other diseases.
2021 Dental Plan Summary Plan Features
Basic
Enhanced
Single: $50 Family: $150
Single: $25 Family: $75
100%. no deductible (2 annual cleanings)
100%. no deductible (2 annual cleanings)
Basic Restorative Services (Fillings, Extractions, Root Canals)
Plan pays 50%, after deductible
Plan pays 80%, after deductible
Major Restorative Services (Crowns, Dentures, Bridges)
Plan pays 50%, after deductible
Plan pays 50% after deductible
Orthodontia
Plan pays 50%, no deductible, lifetime maximum benefit of $2,000 per covered member
Plan pays 50%, no deductible, lifetime maximum benefit of $2,000 per covered member
$1,000 per covered member
$1,500 per covered member
Deductible Preventive Care
Annual Maximum Benefit
2021 Dental Plan Employee Contribution Bi-Weekly Contributions Dental
Basic
Enhanced
Employee
$2.58
$5.69
Employee & Child(ren)
$10.85
$21.68
Employee & Spouse
$10.85
$21.68
Family
$20.66
$40.80
FTE (0.5-1.0)
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Cheshire Medical Center 2021 Recruitment Guide
Enhanced Dental Carryover Benefit Northeast Delta Dental offers a “Double-Up Max” carry-over benefit feature on the High Option Dental Plan.
To Qualify • Members are enrolled in the Enhanced Dental Plan. • Northeast Delta Dental must have paid a claim for either an oral exam or a cleaning during the 2019 calendar year. If enrollees don’t receive one of these services, they will be ineligible to accumulate dollars for future use. • A member’s paid claims during the calendar year cannot exceed a threshold of $500. • Accumulated amounts may only be used after the current annual maximum has been exhausted. • Carryover benefit amounts cannot be used toward lifetime orthodontic benefits.
How it Works With this feature, enrollees may double their annual maximum by accumulating $250 a year in additional benefits for use in future coverage periods. When a dental procedure is needed that costs more than the allowable annual maximum, the accrued carryover benefit dollars can help make up the difference.
Health Through Oral Wellness (HOW) Program Northeast Delta Dental’s free HOW program works with your existing dental benefits to help you achieve and maintain better oral wellness. You can visit HealthThroughOralWellness.com to find out more and take a free oral health risk assessment. Your dentist can discuss your results with you at your next visit and perform a clinical version of the assessment. Based on your risk, as shown on your clinical assessment, you may be eligible for additional preventative benefits at no cost.
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Cheshire Medical Center Tax Sheltered Annuity Plan - 403(b) Eligible employees will be enrolled in the 403(b) plan which is intended to provide employees an incentive to save for retirement through a matching contribution, as well as offer retirement benefits that are consistent and spread evenly over their career with Cheshire Medical Center. You may save up to 100% of your income, subject to IRS annual maximums. If you are age 50 or older, you may also make “catch up” contributions, subject to IRS annual maximums. Your contributions and any associated investment earnings are vested immediately. • Employees are automatically enrolled with a 4% savings rate • Employees can opt out or reduce/increase his/her savings rate at any time • Each year employees’ savings rate will increase by 1%, up to a maximum of 10%, unless the employee opts out Cheshire Medical Center contributions provided each pay period: CMC base contribution of 4% of pay
+
50% CMC matching contribution on up to 4% of pay saved
=
Total of 6% CMC contributions
The 4% CMC base contribution on pay and the matching contribution is provided each pay period up to the IRS pay limit. If you save:
2%
3%
4%
5%+
Your match will be:
1%
1.5%
2%
2%
The employer base and matching contributions and any associated investment earnings are vested after three vesting years. Employees earn one year of vesting service for each year in which they are credited with at least 1,000 hours in a calendar year. Annual IRS Limit Reminder: If you are newly hired at Cheshire Medical Center and have made contributions to a 403(b) Plan at a previous employer, it is important that you ensure compliance with the annual IRS limit for the year.
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Cheshire Medical Center 2021 Recruitment Guide
Disability Insurance Short-Term and Long-Term Disability Insurance Cheshire Medical Center will provide Short-Term Disability (STD) and LongTerm Disability (LTD) insurance at no cost to you through Sun Life Financial. Both STD and LTD provide income protection for non-work related injuries or illness. STD and LTD disability payments may be offset by Social Security Disability, Workers’ Compensation, pension payments, or any other group disability insurance payments that you are eligible to receive. Both STD and LTD payments are considered taxable income. Sun Life Financial determines eligibility and medical necessity for STD and LTD. CMC will provide the following STD and LTD benefits for eligible employees at no cost to you:
Short-Term Disability (STD) Insurance • Staff: 70% of your base salary, for a maximum of 24 weeks • Advanced Practice Providers: 100% of your base salary, up to 26 weeks
Long-Term Disability (LTD) Insurance • 50% of your base salary, for a maximum of $15,000 per month Staff STD benefits begin following a 14-day elimination period. You will use available earned time to provide income during this elimination period. In order to be eligible for STD coverage, you must begin STD on the 15th full day of missed work. Sun Life Financial will determine eligibility and medical necessity for LTD. If approved, LTD payments begin immediately following the date STD payments end.
Long-Term Disability (LTD) Insurance “Buy-Up” Options In addition to the LTD benefits provided to you at no cost, CMC’s benefit program offers two “buy-up” options. If you choose one of these options, you are responsible for paying the entire cost of the “buy-up” coverage through after-tax payroll deductions. In addition, Evidence of Insurability (EOI) may be required. The buy-up options are as follows:: • 60% of your base salary, to a maximum of $15,000 per month • 66 2/3% of your base salary, to a maximum of $15,000 per month
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Life Insurance Staff Life and AD&D Insurance Benefits* CMC provides Basic Life and Accidental Death & Dismemberment (AD&D) insurance which is administered by Sun Life Financial. This protection provides a benefit for you and your family if you die or become seriously injured while you are employed at CMC. CMC provides the following Life and AD&D Insurance benefits for eligible employees at no cost to you:.
Basic Life Insurance • 1 x annual salary up to $200,000.
Accidental Death and Dismemberment (AD&D) Insurance • 1 x annual salary up to $200,000. *under the plan provisions, employee Basic Life/AD&D insurance coverage reduces by 50% at age 70.
Staff Supplemental Life and AD&D Insurance** In addition to the Basic Life and AD&D insurance provided to you at no cost, CMC’s Benefits program offers you the opportunity to purchase additional Supplemental Life and AD&D insurance for yourself and your eligible dependents. Any changes you make to your dependents’ Life Insurance while on Leave of Absence will not take effect until you are actively at work. It’s important to know that some levels of coverage will require you to provide evidence of your good health or Evidence of Insurability (EOI).
Staff Supplemental Life Coverage Options • Up to five times your annual salary, in one-half salary increments, up to a maximum of $1,500,000 Each Open Enrollment period, you may increase your coverage by one times your annual salary, without EOI, up to a maximum of $500,000. Newly hired or newly benefits eligible employees may elect up to $500,000 of Supplemental Life/AD&D with no EOI.
Spouse Life/AD&D Insurance Coverage Options • Up to $100,000 of coverage, in $5,000 increments, subject to EOI Each Open Enrollment period, you may increase your coverage for your spouse in increments of $5,000, to a maximum of $50,000, without EOI. Any amount elected over $50,000 is subject to EOI. Newly hired or newly benefits eligible employees may elect up to $50,000 of coverage for their spouse with no EOI.
Dependent Child(ren) Life Insurance Coverage Options • $5,000 or $10,000, no EOI required **under the plan provisions, employee Supplemental Life/AD&D insurance coverage reduces by 50% at age 70.
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Cheshire Medical Center 2021 Recruitment Guide
Additional Benefits Earned Time Employees who are scheduled to work 20 hours per week, as reflected in their personnel file, are eligible for the Earned Time benefit. Earned time is used for vacation, holiday, and sick time. The amount of earned time an employee accrues is based on various factors including, but not limited to, length of service and hours paid. Earned time accrual can be carried over from year-to-year up to the allowable cap.
Identity Theft Protection CMC offers Identity Theft Protection through AllState. You can enroll in the AllState plan to help protect your identity, online reputation, and credit. AllState offers industry-leading identity and credit monitoring solutions to alert you of concerns and assist in taking action. The protection includes fraud prevention, proactive monitoring, and real time alerts via email, text, or phone. In addition, AllState will provide services to restore your identity. Through the AllState plan, you will have the protection of: •
identity monitoring
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credit monitoring
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social media monitoring
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NPI monitoring
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wallet protection
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identity theft protection
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solicitation reduction
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internet surveillance Employee Bi-Weekly Contributions Employee only
$4.60
Family
$8.29
With family coverage, you can choose to cover anyone you support financially or that lives under your roof.
Pet Insurance We know how much you love your furry kids at home. We also know how expensive veterinary care can be. That’s why we are excited to offer Figo Pet Insurance as part of our benefit package. What you get when you purchase one of Figo’s pet health insurance plans: • • • • • •
Reimbursement for your pet’s unexpected medical costs (routine visits are not covered) 10% discount on premiums Your premiums will be direct billed to your home so you can cancel or enroll at any time and not subject to normal benefit rules Figo’s Pet Cloud mobile app to manage your pet’s records, reminders and travel Figo’s pet tag with digital pet profile -allowing anyone who finds your pet to group text your family Figo travel water bowl
Various coverage options are available. Rates are dependent on coverage level selected, age/breed of pet and demographic location. Coverage can be purchased with a credit/debit card ($2 per month fee) or set up with no monthly fee using a checking account.
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Employee Benefits At No Cost To You We all deserve to feel good about ourselves. By offering wellness programs and resources through the Employee Wellness Program, employees can take healthy steps to becoming their best self. In addition to our wellness programs, CMC offers a wide variety of benefits at no cost to you.
Employee Benefits Short-Term Disability
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Long-Term Disability
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Life Insurance ● Basic and AD&D
Wellness Program Annual Mammograms
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Employee Community Garden
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Earned Time ● Vacation, holiday, and sick ■
Tuition Reimbursement
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Retirement Plan ● Defined Contribution 403(b) Plan with employer contributions
Ergonomic Assessment
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Group Wellness Coaching
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Fitbit discounts
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CMC Medical Plans Preventive Care ● CMC Medical Plan Gym Membership reimbursement up to allowable maximum ■
Dental Insurance Preventative Care
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Employee Assistance Program
Health and Wellness Challenges
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On-site Walking Paths
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Physical Activity Classes and Programs
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Smoking Cessation Classes and Support
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Discount Programs: ● Supply Chain (Materiel Management) ● Optical Shop ● Participating Community Vendors ● OTC Pharmacy products ■
Employee Activity Programs/Events
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Eligibility requirements apply to certain benefits.
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Cheshire Medical Center 2021 Recruitment Guide
Stress Management and Resiliency Classes
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Use of Farnum Gym
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Individual Wellness Activities
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On-site employee massage
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2021 Recruitment Guide
580 Court Street, Keene, NH 03431 | (603) 354-5400 cheshiremed.org