Benefits Guide 2008
MediCorp Health System Benefits Guide 2008 We are pleased to provide you with the MediCorp Health System Benefits Guide for 2008. This guide is designed for active MediCorp Associates who are eligible to enroll in the MediCorp benefits plan. We are extremely proud of the MediCorp benefits package. The package includes a wide variety of benefits from which to choose and is a valuable part of the total compensation you receive as a MediCorp Associate. Thoughtful consideration should be given to your benefit choices to accommodate your personal health care needs. Take a few minutes to review this guide and decide which plans and coverage levels make the most sense for you and your family. You may access the Self Evident Application (SEA) to review plan summaries, frequently asked questions and plan Web sites. Your Benefits Team is here to help with any questions you have about your benefits. Please keep in mind that the guide provides only an overview of your benefit options. If you need specific plan details, see your Summary Plan Description or contact a member of the Benefits Team. While we have done our best to provide an accurate summary, please be aware that if there is any discrepancy between the information in this guide and the official benefit plan documents, the official plan documents will prevail. We look forward to serving you in the coming year. Your MediCorp Health System Benefits Team P.S. There are two easy ways to contact the Benefits Team with questions about your benefits: 1. Call 540.741.2255 2. E-mail askbenefits@medicorp.org
cut ENROLLMENT & ELIGIBILITY
IMPORTANT INFORMATION FOR ALL ASSOCIATES • Please note that you have 31 days from your hire date or qualifying event date to enroll in or make changes to your benefit selections. • Qualifying events include birth or adoption of a child, marriage, divorce or change of status. A complete list of qualifying events is included on this page. • If you fail to enroll or change benefits within 31 days of the date of the event, you will not be allowed to enroll in or make any changes to your benefits until Open Enrollment or you have another qualifying event.
status change, you will maintain the benefits in effect or, if not enrolled, you will continue in the opt-out plan. You will not be able to make changes until the next Open Enrollment period.
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WHEN YOU CAN MAKE CHANGES In general, you can change your benefits coverage during the year only if you have a qualified life event. Any changes you make for yourself and your dependents must be consistent with and as a result of your change in status. Life events and changes in status that permit coverage changes are:
WHEN COVERAGE BEGINS
• You gain a tax dependent through birth, legal adoption or placement for adoption
Open Enrollment
• You experience a marriage, divorce or annulment
Open Enrollment is held each year during the month of October. You may make any changes
• Your dependent age 19 up to 25 becomes a full-time student
desired to your benefits during that time. Any changes or enrollments made during Open
• Your dependent age 19 up to 25 is no longer a full-time student
Enrollment will take effect on January 1 of the next year. You cannot make any changes to your
• Your dependent child marries or reaches age 25
benefits until the next Open Enrollment period unless you have a qualifying event or change of
• Your spouse gains, loses or changes coverage due to gaining or losing employment/
status as described below.
eligibility with current employer • You experience the death of spouse or dependent child
New Associates If you are a newly hired Associate, you must enroll in benefits within 31 days of your hire date. Benefit elections are effective the first of the month following your hire date. If you do not enroll in benefits, you will be automatically enrolled in the opt-out plan — this will be an irrevocable election that cannot be changed until the next Open Enrollment period unless you have a qualifying event or change of status as described below.
• Your spouse/dependent becomes Medicare/Medicaid eligible or ineligible • You have a change in residence that changes eligibility for coverage • You have a court-ordered change • An Associate who wishes to change a benefit election because of a life event or change in status must contact a member of the Benefits Team to complete the necessary forms within 31 days of the event. • Documentation of the qualifying event is required. If you fail to make the changes within 31 days
Newly Benefits-Eligible/Status Change
of the event, you cannot make changes until the next Open Enrollment period.
If you have a change in status, you may make changes to your benefits appropriate to your change
• Open Enrollment is held each year in October.
in status. You must make any changes/elections within 31 days of the effective date of the status
• You may make any changes at that time. Changes made during Open Enrollment are effective
change. Benefit elections are effective the first of the month following the effective date of the
January 1.
status change. If you do not make changes/elections within 31 days of the effective date of the MediCorp Health System Benefits Guide
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NEW HIRES: HOW TO ENROLL You must enroll online using the Lawson system’s Self Evident Application (SEA). You can access the online enrollment system on the Internet from the “Associates Log In” link at www.medicorp.org. Additionally, there are kiosks located outside the cafeteria at Mary Washington Hospital (MWH) and at Carriage Hill Rehabilitation and Nursing Center as well as terminals located in Human Resources at MWH and 2300 Fall Hill, and in the Commuter Room at MWH.
Here are six easy steps to using the online enrollment system: 1. Log on to the SEA (Self Evident Application). • From any computer with Internet access, go to www.medicorp.org. • Go to the “Associate Log In” and click on “SEA.” 2. Key in your User ID and password, then click on “Log In.”
• The last screen you see will be a review of your new benefit selections. • If you want to purchase or change spouse and/or child
call the Help Desk at 540.741.1122; it normally takes two days to reissue your password. Passwords may be picked
term life or supplemental life, you will need to request a
up in the main Human Resources office at Mary Washington
form from a member of the Benefits Team.
Hospital. You may also go to the MediCorp portal on Lotus
5. Confirm your benefit selections by clicking on “Keep
Notes® and click on “SEA,” then click on “Click here if you
• Your User ID is your six-digit employee number.
These Benefits?”
have forgotten your password.” The IS Help Desk may be able
• Your password is the password issued to you by
• If you need to make further changes, click on “Make
to e-mail your password through the MediCorp e-mail system.
Information Services. 3. Confirm and/or update your personal data under
Changes?” 6. You’ll see the “Congratulations” screen; enrollment is
2008 OPEN ENROLLMENT
“My Personal Data.”
complete once you click the “Continue” button.
• Open Enrollment takes place October 1 to 31.
• Click on “Home Address” and confirm your address
• Remember to log out of SEA by clicking on the “X” on
• All Associates must enroll/re-enroll in October to
is correct.
the right side of the screen.
• Click on “Beneficiary” and enter your beneficiaries. • Click on “Dependents” and enter your dependents. 4. Select your benefits. on “New Hire Enrollment.” • Under this tab, you will choose your benefit options for the plan year.
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• Continue until you have entered all benefit selections.
MediCorp Health System Benefits Guide
receive benefits in 2008. • All Associates must meet with a Benefits Enroller
If you experience technical problems with the application, please call the Information Service Help Desk at 540.741.1122.
• To enroll in your benefits, go to “My Benefits” and click
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If you need to replace your password for the SEA you may
during the Open Enrollment period to receive benefits in 2008. • Managers and ICPs will have the schedules for the
You must contact the Benefits Department to enroll or make changes due to a qualifying life event. If you have questions regarding the benefit plans, call Human Resources at 540.741.1483.
Benefits Enrollers.
Medical
❑ Standard Option
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The chart below summarizes the benefit options available to you. Benefits with a checkmark ( ✔ ) next to
Your Benefits At A Glance
them are paid in full by MediCorp. All the benefits are explained in greater detail on the following pages.
❑ Enhanced Option
❑ Premier Option
(includes prescription drug coverage)
Wellness Program
✔Live Well — voluntary program to help you maintain good health and manage health risks and chronic conditions. ❑
Dental
❑ Standard Option
❑ Enhanced Option
Vision
❑ Standard Option
❑ Enhanced Option
Flexible Spending
❑ Health Care Flexible Spending Account — contribute up to $120 per pay period.
Accounts (FSAs)
❑ Dependent Care Flexible Spending Account — contribute up to $5,000 pre-tax annually (or $2,500 annually if married and filing separate tax returns).
Life Insurance
✔Basic Life Insurance1 — one and one-half times your base annual salary unless otherwise stated (part-time Associates are eligible for $5,000 in basic life insurance). ❑
❑ For you — Supplemental Life Insurance — one to five times your base annual salary (part-time Associates may purchase in $5,000 increments up to $45,000; may
Up to a combined maximum of $500,000.
require evidence of insurability; up to a combined maximum of $500,000).
❑ For your spouse — any amount between $10,000 and $100,000 of coverage, up to 100% of your life insurance coverage or $100,000 (whichever is less). Evidence
❑ For your dependent children — either $2,500, $5,000 or $10,000 of coverage. Evidence of insurability required.
of insurability required.
Accidental Death
❑ Can purchase in $50,000 increments up to $1,000,000 for full-time Associates or $250,000 for part-time Associates.
and Dismemberment Disability
❑ Short-Term Disability — replaces 60% of your base pay up to $1,000 a week after eight days of disability with benefits available up to a total disability period of 25
✔Long-Term Disability — replaces 60% of your base pay after 180 days of disability, as long as you are a full-time Associate with at least one year of service. ❑
weeks per calendar year.
(Part-time Associates are not eligible for short-term and long-term disability coverage.) Voluntary Benefits
❑ Short-Term Disability
❑ Homeowners/Auto
❑ Pet Insurance
❑ Errand Solutions: Personal Services and Resources
Employee Assistance
✔ASSIST® — assistance for personal, financial and relationship issues. ❑
❑ Computer Purchase
❑ Critical Illness
Program Retirement
❑ Retirement Savings Plan (Lincoln Financial Group) — You may set aside pre-tax earnings (within IRS limits) and invest them in a variety of investment options; MediCorp will match $0.50 on each dollar you contribute up to 6% of your annual salary if you are 21 years old or older and you have completed one year of service with 1,000 hours worked.
Paid Annual Leave (PAL)
✔PAL is used for holidays, vacation, personal and sick days; you earn PAL based on your years of service and the number of hours you are paid to work. ❑
Education Assistance
❑ You can be reimbursed for qualifying educational costs.
Child Care
❑ You may enroll your eligible dependents at Kids’ Station (at competitive rates), providing space is available.
Directors and above may qualify for more life insurance
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MediCorp Health System Benefits Guide
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BENEFITS PARTICIPATION Who is Eligible?
Sharing the Cost for Coverage
If you are a regular, full-time or part-time (FTE of 0.5 or greater) MediCorp Associate, you are eligible
You and MediCorp share the cost of your health care. MediCorp pays a major share of the cost and
to participate in our benefits program the first day of the month following your date of hire. You
you pay the remainder. Your contribution costs can be found on the enclosed insert.
may enroll yourself and your eligible dependents, which generally include: • Your spouse
Pre-Tax Contribution
• Your dependent children under age 19
Contributions for medical, dental, vision, flexible spending accounts, short-term disability and the
• Your unmarried children between the ages of 19 and 25 who are enrolled as full-time
retirement savings plan will be deducted from your paycheck on a pre-tax basis. This means you
students at an accredited school, college or university and are solely dependent upon you
do not pay federal or Social Security taxes on your contributions; they may also be exempt from
for support
state taxes, depending on where you live. For more information about pre-tax contributions,
• Your unmarried children over age 19 who have been mentally or physically disabled since
consult a tax adviser.
before age 19, and who rely on you for support and maintenance
After-Tax Contribution Your dependents are eligible for medical, prescription drug, dental, vision, optional life insurance
Your contributions for optional life insurance, accidental death and dismemberment (AD&D)
and voluntary benefits (as applicable).
insurance and voluntary benefits are paid with after-tax contributions.
Coverage Levels
How Long Coverage Lasts
When you enroll, you will choose your coverage level for medical, dental and vision coverage. You
The choices you make will remain in effect until the end of the calendar year unless you have a
can choose different coverage levels for each plan. The coverage levels include:
change in family status or you terminate employment, retire or become ineligible for benefits. If
• Associate and Spouse
your child turns age 19 and/or completes school during the year, he/she will be covered until the
• Associate plus One Child
• Family
end of the calendar year.
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• Associate Only
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MediCorp Health System Benefits Guide
MediCorp’s medical plan is designed specifically for MediCorp Associates. It is self-funded (instead
For example, when your annual physical includes laboratory tests or imaging done at one of MediCorp’s
of an insurance company, MediCorp pays the claims covered by the policy) and administered by
facilities, the test results are sent to your physician and become part of your confidential patient
Aetna. Aetna has a large national network of providers — which helps you to better manage your
record. If you should ever need the services of MWH Emergency Department, those test results
costs. Aetna’s network is particularly strong in Fredericksburg, Richmond and Northern Virginia.
will be immediately accessible within the health system.
This year’s plan includes several changes from what was offered in 2007 – please
MediCorp health care providers will accept all properly written orders for tests and procedures,
review this guide in its entirety. If you have questions about any of the changes,
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MEDICAL PLAN
even if another provider is specified.
please contact the Benefits Team at 540.741.2255 or askbenefits@medicorp.org. Remember, it is the right of the patient to determine where they receive health care. You may contact a Benefits Team representative if you have any questions.
Coverage Options You have three different options to choose from: Standard
Enhanced
Premier
• You can opt-out of medical coverage and still select other benefits. • You receive the same prescription drug benefits, no matter which medical option you enroll in.
MediCorp Health System services are available at the following facilities: • Mary Washington Hospital (inpatient,
• MWH Home Health
outpatient, lab, radiology, emergency
• Cancer Center of Virginia
services, PT, OT and speech)
• MWH Hospice • Snowden at Fredericksburg
coverage. They differ based on cost — the amount of your payroll premium, deductible, co-pay or
• Medical Imaging of Fredericksburg, Medical
• Carriage Hill Rehabilitation and
coinsurance, and out-of-pocket maximum.
Imaging at Lee’s Hill and Imaging Center
MEDICAL PLAN
All three medical options work the same way, cover the same services and include prescription drug
• Fredericksburg Ambulatory Surgery Center
Nursing Center
for Women Under all three options, you may see any provider — a MediCorp Health System facility (when available), an Aetna provider or an out-of-network provider. No referrals are necessary. On pages 6 and 7 is a chart comparing the out-of-pocket cost of the plan options.
Aetna Navigator™ – Log on to Aetna Navigator at www.aetna.com to: • Review claims payments and history • Find a provider
Breast Reconstruction Following Mastectomy If you have a mastectomy, all MediCorp medical plans provide the following benefits:
• Take advantage of health education and services
• Reconstruction of the breast on which the mastectomy has been performed
Using Aetna Network Providers
• Surgery and reconstruction of the other breast to produce symmetrical appearance
To find out if your doctor is in the Aetna network, you can:
• Prosthesis and treatment of physical complications of all stages of mastectomy including lymphedemas
• Check Aetna’s online provider directory at www.aetna.com [Plan Type: Aetna Choice™ POS II (Open Access)]. • Contact Aetna by phone at 800.291.2953.
To save money, you should consider using MediCorp Health System facilities whenever possible.
• Call your doctor directly.
MediCorp exists to improve the health status of all people within our community. The well-being of
Please review each of your options carefully when you enroll to ensure that you select the right option
MediCorp Associates is of the utmost importance and MediCorp’s benefits package reflects that
for you and your family. On the following pages you will find a chart comparing the three options.
commitment. Where you go for medical care is entirely your choice; however consider using MediCorp facilities for two very important reasons. First, your out-of-pocket expenses are reduced for many services (please review the plan details). The second, and more important reason, is continuity of care.
MediCorp Health System Benefits Guide
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BENEFIT SUMMARY: What’s Covered The following table shows how benefits are paid under the three MediCorp medical options. For coinsurance amounts, the percentage shown is the amount you pay. Carefully review the plan for changes in co-pay and coinsurance amounts.
BENEFIT SUMMARY Calendar Year Deductible Out-of-Pocket Maximum (Individual/Family) Lifetime Maximum Benefit
PREVENTATIVE CARE Well-Baby Care Well-Adult Care at PCP Annual Gynecological Visit Routine Wellness Screenings (Mammogram, PAP, PSA, Colonoscopy)
PHYSICIAN SERVICES PCP Office Visits Specialist Office Visits Urgent Care Center Chiropractic Care (20-visit maximum) Physical, Speech and Occupational Therapy (Combined total of 60 visits per year)
HOSPITAL SERVICES Inpatient Outpatient Surgery Emergency Room (Co-pay waived if admitted) Outpatient X-ray & Lab (X-rays, MRI, PET Scan, CAT Scan)
MENTAL HEALTH/SUBSTANCE ABUSE Inpatient* (30-day limit per plan year) Outpatient (First 30 visits of year) Outpatient (More than 30 visits per year) Partial Day Treatment (15-day limit per plan year) * Biological-based mental health illnesses, such as bipolar disorder, depression, obsessive-compulsive disorder, panic disorder, paranoia, pervasive development disorder or autism, and schizophrenia, will be treated as any other medical diagnosis. Non-biological-based mental health illnesses will be treated as described in this section.
OTHER Home Health Care (90-visit max per plan year) Skilled Nursing Facility (100-day limit per plan year) Durable Medical Equipment (Must be reviewed for medical necessity if over $500) Allergy Care Infertility Treatment (Testing and diagnosis only; treatment not covered)
OUT-OF-NETWORK cut
Care received by providers that are neither an MHS provider nor a participating provider in Aetna’s network (individual/ family) is in addition to above deductible and out-of-pocket 6
MediCorp Health System Benefits Guide
MEDICORP FACILITY
AETNA PROVIDER
ENHANCED OPTION MEDICORP FACILITY
None
AETNA PROVIDER
PREMIER OPTION MEDICORP FACILITY
None
$2,500/$3,000
$5,000/$6,000
AETNA PROVIDER None
$2,000/$2,500
$4,000/$5,000
$1,000/$1,500
$2,000/$3,000
$2,000,000
$2,000,000
$2,000,000
$30 Co-pay
$25 Co-pay
$15 Co-pay
$30 Co-pay
$25 Co-pay
$15 Co-pay
$50 Co-pay
$40 Co-pay
$30 Co-pay
Covered @ 100%
Covered @ 100%
Covered @ 100%
$30 Co-pay
$25 Co-pay
$15 Co-pay
$50 Co-pay
$40 Co-pay
$30 Co-pay
$35 Co-pay
$35 Co-pay
$35 Co-pay
$50 Co-pay
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STANDARD OPTION
$40 Co-pay
$30 Co-pay
$30 Co-pay
$50 Co-pay
$25 Co-pay
$40 Co-pay
$15 Co-pay
$30 Co-pay
20% Coinsurance
$200 Co-pay plus 20% Coinsurance
15% Coinsurance
$200 Co-pay plus 15% Coinsurance
10% Coinsurance
$200 Co-pay plus 10% Coinsurance
20% Coinsurance
$50 Co-pay plus 20% Coinsurance
15% Coinsurance
$50 Co-pay plus 15% Coinsurance
10% Coinsurance
$50 Co-pay plus 10% Coinsurance
$100 Co-pay plus 20% Coinsurance 20% Coinsurance
20% Coinsurance
$85 Co-pay plus 15% Coinsurance
30% Coinsurance
15% Coinsurance
$200 Co-pay plus 20% Coinsurance
15% Coinsurance
$75 Co-pay plus 10% Coinsurance
20% Coinsurance
10% Coinsurance
$200 Co-pay plus 15% Coinsurance
10% Coinsurance
15% Coinsurance
$200 Co-pay plus 10% Coinsurance
$30 Co-pay
$25 Co-pay
$15 Co-pay
$50 Co-pay
$40 Co-pay
$30 Co-pay
$30 Co-pay
$25 Co-pay
$15 Co-pay
20% Coinsurance
15% Coinsurance
10% Coinsurance
20% Coinsurance
15% Coinsurance
10% Coinsurance
20% Coinsurance
15% Coinsurance
10% Coinsurance
$30 Co-pay for testing; injections covered @ 100%
$25 Co-pay for testing; injections covered @ 100%
$15 Co-pay for testing; injections covered @ 100%
(if no office visit charged); serum covered @ 100%
(if no office visit charged); serum covered @ 100%
(if no office visit charged); serum covered @ 100%
$50 office visit co-pay; 0% Coinsurance for tests
$50 office visit co-pay; 0% Coinsurance for tests
$50 office visit co-pay; 0% Coinsurance for tests
$1,500/$3,000 Deductible; $3,000/$6,000 Out-of-Pocket Maximum; 30% Coinsurance; Deductible and Out-of-Pocket
$1,500/$3,000 Deductible; $3,000/$6,000 Out-of-Pocket Maximum;
$1,500/$3,000 Deductible; $3,000/$6,000 Out-of-Pocket Maximum;
30% Coinsurance; Deductible and Out-of-Pocket
30% Coinsurance; Deductible and Out-of-Pocket MediCorp Health System Benefits Guide
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PRESCRIPTION DRUG BENEFIT When you enroll in a medical option, you and your covered dependents will also receive prescription
Retail versus Mail-Order
drug benefits. (You cannot choose prescription coverage by itself.) Our prescription drug benefits
For prescriptions of up to a 30-day supply, fill your prescription at the MediCorp Medical Arts
are self-funded and administered through Aetna.
Pharmacy (for the lowest cost) or at an Aetna participating pharmacy. For a list of Aetna participating retail pharmacies, visit www.aetna.com or call 800.962.6842.
How the Formulary Drug Tiers Work A formulary is a list of drugs that has been approved by the plan. Your prescription drug plan
If you have a prescription for a maintenance medication — a medication you use on a regular
offers three levels of benefits, depending on the type of drug you were prescribed.
basis (for example, to treat high blood pressure, diabetes or a heart condition) — you can use the mail-order service for added savings and convenience. When you use the mail-order option, you
• Tier 1 drugs – typically the most common generic drugs found in Aetna’s formulary. Generic
will pay two co-pays and receive a 90-day supply of your medication.
drugs contain the same active ingredients as their brand-name equivalents, so they are usually just as effective. Your cost will be lowest with a prescription for a generic drug. • Tier 2 drugs – can be either generic or brand-name drugs that appear in Aetna’s formulary. They are generally higher-cost drugs than those in Tier 1; therefore they have a higher co-pay. • Tier 3 drugs – are brand-name drugs that do not appear in Tier 1 and Tier 2. These are generally new drugs, and because these drugs are not found in Aetna’s formulary, they can
To get the most cost savings from your prescription drug plan: • Ask your doctor if you can take a generic medication. • Fill prescriptions of 30 days or less at the MediCorp Medical Arts Pharmacy or at a participating Aetna pharmacy. • Use the mail-order service for maintenance and long-term medications (for a 90-day supply).
be the most expensive.
PRESCRIPTION DRUG BENEFITS SUMMARY STANDARD, ENHANCED AND PREMIER OPTIONS
Medical Arts
Aetna Provider
Formulary Drugs — Tier 1 Typically Generic (30-day supply)
$10 Co-pay
$15 Co-pay
Formulary Drugs — Tier 2 Typically Generic and Brand Name (30-day supply)
$20 Co-pay
$25 Co-pay
Formulary Drugs — Tier 3 Typically Brand Name (30-day supply)
$35 Co-pay
$50 Co-pay
Mail-Order Pharmacy (90-day supply)
Tier 1: $20 Co-pay Tier 2: $40 Co-pay
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Tier 3: $70 Co-pay 8
MediCorp Health System Benefits Guide
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Premium Waiver Plan MediCorp believes that it is important to offer all Associates the chance to have health care coverage.
FAMILY INCOME GUIDELINES
The purpose of the Premium Waiver Plan is to ensure our Associates and their eligible family members receive quality, affordable health care. The plan was designed to provide assistance to
FAMILY SIZE
AMOUNT OF INCOME
1
$20,800
2
$25,660
3
$32,180
4
$38,700
• You are a full-time Associate.
5
$45,220
• You enroll in the standard option medical and dental plans.
6
$51,740
To apply, simply complete a Premium Waiver Form available from the Benefits Section of
7
$58,260
Human Resources.
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$64,780
Associates who may not be able to afford health care coverage. Full-time Associates and their eligible dependents may enroll in the Standard option of the medical and dental plans without paying premiums if their total family income for the last available federal income tax reporting period does not exceed the Family Income Guidelines below.
MediCorp will pay your medical and dental premiums if you meet all of the following: • Your income does not exceed the family income requirements.
Eligibility for the Premium Waiver Plan must be met by October 1 prior to the plan year for which coverage is effective. However, new Associates must meet eligibility requirements for the Premium Waiver Plan on their hire date.
MediCorp Health System Benefits Guide
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DENTAL PLAN MediCorp’s dental plan is self-funded and administered by Delta Dental. When you use a Delta Dental Premier® network dentist you pay less and you don’t have to file a claim form. To find a Delta Dental dentist you may call Delta Dental at 800.237.6060 or go to www.deltadentalva.com. You have two dental options from which to choose: • Standard option coverage costs less but has a lower level of benefits. Some services (including orthodontia) are not covered by the plan. (See the comparison chart below.) • Enhanced option coverage costs a bit more but more services are covered by the plan. There is no age restriction on orthodontic coverage — so both children and adults can take advantage of it.
DENTAL BENEFITS SUMMARY PREVENTATIVE/DIAGNOSTIC
STANDARD OPTION
ENHANCED OPTION
80%
100%
80%
80%
50%
80%
Not covered
80%
Not covered
No age restriction – any covered member eligible
$50
$50
Plan Year Maximum Coverage
$1,000
$1,500
Periodontal Lifetime Maximum
$1,500
$1,500
Orthodontic Lifetime Maximum
Not covered
$1,500
Oral exams, prophylaxis/cleaning, fluoride treatments, space maintainers, palliative care, X-rays (full mouth, panorex, bitewings), sealants
BASIC CARE Fillings; endodontics/root canals; general anesthesia, simple extractions, surgical extractions/oral surgery; consultations
PERIODONTICS
MAJOR RESTORATIVE & PROSTHODONTICS
for New 08 Dentures, bridges, harmful-habit appliance; implants, veneers, inlays/onlays, crowns, 0 2
crown buildups, recommendations and repairs; rebases/relines
ORTHODONTICS Orthodontic diagnostics; orthodontic treatment, orthodontic installation and adjustments Plan Deductible
Movement Between Options
Enhanced option may be elected at Open Enrollment with no restrictions
Predetermination recommended –
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For any service over $200 we strongly recommend that you ask Delta Dental for a predetermination. This will help you to understand your potential cost before you undergo any treatment.
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MediCorp Health System Benefits Guide
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VISION PLAN Vision care benefits are provided through the Vision Service Plan, better known as VSP. With over 40 million members nationwide, one in eight people rely on VSP for their eye care health coverage. MediCorp offers a Standard option and an Enhanced option through VSP. You may see any licensed vision care provider and receive benefits. However, when you use a VSP-participating provider, you pay less, and you don’t have claim forms to file. See the chart below for additional details.
What’s Covered The charts on this page illustrate how vision services are covered when your care is received from either a participating provider or a non-participating provider.
VISION BENEFITS SUMMARY VSP PROVIDER STANDARD OPTION
Prescription Glasses*
ENHANCED OPTION Covered in full every 12 months
Exam
• Lenses (single vision, lined bifocal, and lined trifocal) are covered in full every 12 months. • Frame of your choice is covered up to $130, plus 20% off any out-of-pocket costs and $10 co-pay.
Contact Lenses*
NON-VSP PROVIDER REIMBURSEMENT AMOUNTS
• When you choose contacts instead of glasses, your $120 allowance applies to the cost of your contacts and the fitting and evaluation exam.
up to $35 • Single Vision Lenses
up to $25
• Lined Bifocal Lenses
up to $40
• Lined Trifocal Lenses
up to $55
• Frame
up to $45
up to $120
• No co-pay applies. Second Pair of Prescription Glasses or Contact Lenses
Discount only • You obtain a second pair of glasses or contact lenses for a $10 co-pay, in addition to those received under the Standard option.
* You may choose either prescription glasses or contact lenses for reimbursement.
• You don’t receive an ID card for your vision care benefits—simply tell your provider that you are covered by VSP. • If your provider is part of the VSP network, your benefits will be higher and you won’t have to file a claim. • To find a VSP provider near you, visit www.vsp.com or call 800.877.7195.
VISION
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MediCorp Health System Benefits Guide
FLEXIBLE SPENDING ACCOUNTS
FLEXIBLE SPENDING ACCOUNTS MediCorp offers two Flexible Spending Accounts (FSAs): a health care FSA and a dependent care
Should you enroll in a Flexible Spending Account?
FSA. These accounts are administered by Aetna, and they allow you to set aside money pre-tax
You should consider enrolling in one or both of the FSA accounts if you:
(before federal income and Social Security taxes are deducted) to pay for certain health and
• Pay deductibles, co-pays or coinsurance (including prescriptions) as part of your health plan.
dependent care expenses.
• Purchase over-the-counter medications. • Buy prescription glasses, contact lenses or saline solution or plan for LASIK® vision correction.
This is a great way to save for health or dependent expenses on a pre-tax basis.
• Expect dental and orthodontia expenses to exceed your dental plan. • Pay a day care center to care for your dependent children or elderly parents.
Tax-Free Savings
The items described above are some of the many expenses that are eligible for reimbursement
Did you know that the typical employee saves 35% on eligible expenses through the FSA plan?
through an FSA.
Flexible spending accounts are like getting a discount on certain health and dependent care
Health Care Flexible Spending Account
has not been subject to tax. Depending on your tax bracket and where you live, that can mean
Covers eligible health care expenses not reimbursed by your medical, dental and vision plan for
savings of 20 to 50% that will show up in your disposable income.
you, your spouse and anyone you claim on your federal tax return.
Use Aetna’s FSA Savings Calculator to estimate your annual tax savings based on your annual
Features of the MediCorp FSA plan administered by Aetna:
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expenses — not because the expenses are less but because you are paying them with money that
income and qualified expenses: http://www.aetnafsa.com/fsa/index.php
No Claim Forms to File To give you an idea of just how much you can save in taxes by using a flexible spending account,
Streamline – Aetna makes it easy to access money in your spending account without ever filing
consider this example.
a claim. When you visit an Aetna physician, you pay your co-pay upfront, and then the co-pay amount is automatically deducted from your FSA and mailed to your home or deposited directly
An Associate’s annual taxable income is $30,000. She typically incurs $2,000 in health care
into your checking or savings account.
expenses each year. Instead of taking that $2,000 in expenses out of her pocket, she puts it into a flexible spending account (FSA) and uses the FSA to pay her health care expenses.
AutoDebit – When you use an Aetna participating pharmacy, your prescription drug co-pay is paid
This allows her to reduce her taxable income by $2,000, to $28,000.
directly to the pharmacy — you don’t pay your co-pay upfront.
Normally, this Associate would pay $7,500 (25%) in taxes on her $30,000 salary. By using an
Direct Deposit – Don’t wait for your reimbursement checks to be mailed to you and waste time
FSA and lowering her taxable income to $28,000, she pays only $7,000 in taxes — that’s $500
driving to the bank. You can request that all your health care and/or dependent care reimbursements
in savings!
be deposited directly into your checking or savings account. When you enroll in a medical FSA you will be automatically enrolled in the Streamline and AutoDebit features. To cut off these features you will need to contact Aetna at 877.392.3862 or access Aetna’s Web site.
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Estimate Your Expenses Not sure whether to participate? Consider this. The following list describes many expenses that are eligible for reimbursement through an FSA. The most up-to-date and comprehensive list of eligible expenses can be found on the IRS Web site: http://www.irs.gov
• Acupuncture
• Eye surgery, including laser correction eye surgery
• Oxygen
• Alcoholism treatment
• Fees for a practical nurse
• Physicians’ fees
• Artificial teeth
• Handicapped persons’ special schools
• Psychiatric care
• Birth control pills
• Hearing devices and batteries
• Psychologists’ fees
• Braces
• Home improvements for medical considerations
• Smoking cessation programs (when under direct supervision
• Chiropractors
• Hospital bills
• Coinsurance amounts you pay
• Hypnosis for treatment of an illness
• Special plumbing for the handicapped
• Contact lenses and solution
• Insulin
• Sterilization fees
• Cost of operations and related treatments
• Laboratory fees
• Surgical fees
• Crutches
• Learning disability
• Therapeutic care for drug and alcohol addiction
• Deductible amounts you pay
• Life fee to retirement home for medical care
• Therapy treatments
• Dental fees
• Medical charges if they are a part of college or private
• Transplants
• Dentures
and with prescribed medication)
• Transportation expenses primarily for rendering medical service
school tuition fees
• Diagnostic fees
• Nursing home
• Weight loss programs
• Drug and medical supplies
• Orthopedic shoes
• Wheelchairs
• Eyeglasses, including examination fees
• Over-the-counter medications
• X-rays
For more details about qualifying health care expenses, see IRS publication 502, Medical and Dental Expenses at www.irs.gov/pub/irs-pdf/p502.pdf
Under the health care flexible spending account, your entire contribution is available January 1 (so
How do I know if my expenses qualify for reimbursement under the Health Care or Dependent
you don’t have to put off necessary medical procedures). You may contribute up to $120 per pay
Care FSA?
period ($3,120 per year).
You can link to Aetna’s FSA Web site for a listing of qualified expenses:
More Time to Use It
Health Care:
The 2008 plan year for the health care flexible spending account is 15 months long. Therefore, you
http://www.aetna.com/fsa/understanding/health/healthcareexpenses.html
will have until March 15, 2009 to spend the contributions you make to your health care FSA in 2008.
Dependent Care: Use It or Lose It
http://www.aetna.com/fsa/understanding/dependent/dependentcareexpenses.html
Remember: Be careful in your planning. According to IRS law, you will forfeit any money that is left in your account at the end of the FSA plan year. Be sure to plan accordingly.
Web Link to IRS Guidelines on FSA:
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http://www.irs.gov/publications/p502/index.html
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MediCorp Health System Benefits Guide
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Dependent Care Flexible Spending Account Under the dependent care flexible spending account, you have access to your contributions only
Cannot be used to pay for the following:
after they have been deducted from your pay.
• Child support payments • Food, clothing and entertainment
Can be used to pay for:
• Overnight camps
• Services provided by babysitters or caregivers, including your relatives (as long as you do not
• Extracurricular activities
claim them as exemptions on your federal tax return)
• Administrative fees and books
• Expenses for a housekeeper whose services include care of an eligible dependent • Services provided by a licensed elder care center, child care center or nursery school
Any expenses paid through the dependent care flexible spending account reduce the amount
• Social Security and other taxes you pay a caregiver
available under the federal child care tax credit (see your tax adviser for details). The 2008 plan year for dependent care flexible spending accounts is 12 months long, ending on December 31. According to IRS law, you will forfeit any money left in your account at the end of the year. MediCorp Health System Benefits Guide
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LIFE INSURANCE MediCorp automatically provides eligible Associates with basic term life insurance and long-term disability coverage. MediCorp pays the entire cost of this coverage for you. If you would like additional coverage, you may purchase accidental death and dismemberment (AD&D) insurance, supplemental life insurance, spouse and/or child term life insurance or short-term disability coverage (if eligible).
The chart below summarizes your life insurance and AD&D options. Basic Term Life Insurance –
• Full-time Associates receive one and one-half times their annual salary (up to a maximum) in term life insurance.
MediCorp pays the cost for this coverage
• Part-time Associates receive a flat $5,000 in coverage.
• You are automatically enrolled in this coverage and MediCorp pays the premium for you.
There are mandatory reductions in life insurance coverage depending on age. The amount of basic and supplemental insurance on an Associate age 70
or older shall be a percentage of the amount otherwise provided by the plan of insurance applicable to the Associate according to the following table:
AGE OF PARTICIPANT
AMOUNT OF INSURANCE (as a percentage of coverage amount prior to attaining age 70)
70–74
65%
75 and older
50%
Accidental Death and Dismemberment
• Full-time Associates may purchase up to $1,000,000 of coverage in $50,000 increments.
Insurance (AD&D)
• Part-time Associates may purchase up to $250,000 of coverage in $50,000 increments.
• You must enroll online for this coverage using the SEA. Associates are not eligible for this coverage after reaching age 70.
Supplemental Life Insurance
• Full-time Associates may purchase up to five times their annual salary in supplemental life insurance.
• Part-time Associates may purchase up to $45,000 of coverage in increments of $5,000.
• Premiums are based on age and amount of coverage purchased.
• You must complete and submit to Human Resources a paper enrollment form.
• Coverage amounts may be subject to evidence of insurability (EOI).
Coverage Reduction:
AGE OF PARTICIPANT
AMOUNT OF INSURANCE (as a percentage of coverage amount prior to attaining age 70)
70–74
65%
75 and older
50%
Spouse Term Life Insurance*
For your spouse:
• You may purchase any amount of life insurance between $10,000 and $100,000 up to a maximum of 100% of your own life insurance coverage or
$100,000, whichever is less.
• Spouse coverage is subject to evidence of insurability (EOI).
Coverage Reduction:
AGE OF PARTICIPANT
AMOUNT OF INSURANCE (as a percentage of coverage amount prior to attaining age 70)
70–74
65%
75 and older
50%
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*If your spouse is employed by MediCorp, they may not be eligible for Spouse Term Life Insurance coverage.
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MediCorp Health System Benefits Guide
• You may purchase either $2,500, $5,000 or $10,000 of life insurance.
This benefit insures all your eligible children for one monthly premium; and, as your family grows, no action is needed to insure any additional children.
If both parents are Associates of MediCorp, only one can carry coverage on the children.
Please be sure your covered children meet the eligibility requirements. To be eligible for coverage, your child must be between 6 months and 19 years
of age or up to age 25 if a full-time student at an accredited postsecondary school. Dependents 14 days up to 6 months of age are provided 10% of
coverage amount. Increases in coverage will require an EOI.
LIFE & DISABILITY
Child Term Life Insurance
Enrollment When enrolling for life insurance, please complete your beneficiary information on the SEA. You pay the full cost for any coverage you purchase on an after-tax basis. You may select any of the additional coverages when you are first hired, during Open Enrollment or within 31 days of a life event change. Any new elections or increases in coverage may be subject to evidence of insurability (EOI). All life insurance coverage or combined life insurance coverage exceeding $500,000 will require evidence of insurability.
DISABILITY COVERAGE SHORT-TERM DISABILITY COVERAGE
• Administered by ING.
• Administered by ING.
• Associates are eligible after one year of full-time employment.
• Only full-time Associates are eligible to elect short-term disability coverage.
• Full-time Associates are automatically enrolled in long-term disability coverage.
• If elected, short-term disability coverage replaces 60% of your base pay (up to a $1,000 maximum
• MediCorp pays the full cost — no cost to Associates. • Long-term disability coverage replaces 60% of base pay monthly (up to $10,000) if you are disabled (as defined by the plan) beyond 180 days.
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LONG-TERM DISABILITY COVERAGE
weekly benefit). • Disability payments begin on day nine of your disability and can last up to 25 weeks per calender year, if eligible.
• Preexisting condition clause.
• To qualify for payment, you must be unable to perform any work activity.
• Part-time Associates are not eligible for long-term disability coverage.
• Preexisting condition clause. • Claims must be submitted to the carrier within 45 days from the date of disability. • Taxes and regular pay-period deductions will be withheld from short-term disability payments. • You must contact the Benefits Team to initiate the short-term disability process. • You may enroll for this coverage online using the SEA. MediCorp Health System Benefits Guide
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MediCorp Health System Benefits Guide
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RETIREMENT • The MediCorp Health System retirement savings plan helps you save money for retirement using a variety of investment options offered through Lincoln Financial Group. • You are immediately eligible upon hire to begin contributing to the plan. • You will be automatically enrolled at 2% of your compensation unless you elect otherwise. • Generally, you can contribute as much of your annual compensation as you wish up to the IRS annual pre-tax limit. • Associates age 21 or older are eligible for MediCorp’s matching contributions once you complete one year of service with at least 1,000 hours worked. For each $1 you contribute, up to 6% of your annual salary, MediCorp will contribute $0.50. • An additional employer contribution of 2% may apply, depending upon your eligibility for other MediCorp retirement programs. • The money you set aside in the plan and the interest it earns are not taxed until you withdraw money from your account (usually at retirement). • You are always 100% vested in your own contributions and the MediCorp match. You are vested in the additional employer contribution after five years. • You may access your money as early as age 59 1/2 without penalty. If you take an early withdrawal from this type of plan, there are penalties. Lincoln Financial Group representatives are on-site at Mary Washington Hospital to help you with your investment needs. You may access their Web site at www.lfg.com or call their customer service line at 800.234.3500 to make changes in your deferral and investment options.
RETIREMENT
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PAID ANNUAL LEAVE MediCorp combines vacation, sick leave and some holiday time into one time-off program called paid annual leave (PAL). You are eligible for paid annual leave based on your status (full-time, part-time FTE 0.5 or greater) and how long you have been employed by MediCorp.
Using PAL Days
MediCorp Health System recognizes the following holidays:
Your supervisor must approve all requests for PAL in advance. Keep in mind that PAL also includes
• New Year’s Day
• Memorial Day
• Independence Day
sick time, so it’s important that you use your PAL days carefully and plan for any unforeseen
• Labor Day
• Thanksgiving Day
• Christmas Day
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emergencies. You may carry over 520 hours annually.
FULL-TIME (FTE 0.9 to 1.00) PAL ACCRUAL BASED ON 80-HOUR PAY PERIOD Years of Service Full-Time Hourly (Accrual Rate Based on Hours Paid)
PART-TIME (FTE 0.5 to 0.899) PAL ACCRUAL BASED ON 80-HOUR PAY PERIOD Years of Service Part-Time Hourly (Accrual Rate Based on Hours Paid)
0–3
6.7693
0–3
0.05077
3–5
7.6923
3–5
0.05769
5–10
8.3077
5–10
0.06231
10–15
9.8462
10–15
0.07385
15–20
10.4615
15–20
0.07846
20–25
11.0769
20–25
0.08308
25–30
11.6924
25–30
0.08769
>30
12.3077
>30
0.09231
NOTE: PAL is earned each pay period based upon actual hours paid, not to exceed 80 hours for each two-week pay period. Overtime hours are not considered in calculating PAL. for New 08 PERSONAL DAY – MediCorp gives regular part-time and full-time (FTE 0.5 or greater) Associates one additional personal day each year after one year of service. Hours are prorated based 0 2
on the Associate’s FTE assignment and will be added to their regular PAL bank.
BEREAVEMENT LEAVE MediCorp recognizes that the death of a family member places unusual stress on an Associate. Thus, MediCorp will provide up to three days of bereavement leave to PAL-eligible Associates in the event of the death of an Associate’s spouse, siblings, parents, children, parents-in-law, son- and/or daughter-in-law, grandparents or grandchildren. These days will not be deducted from the Associate’s PAL bank. To qualify for this leave, you must submit a written request with a copy of your family member’s death notice to the Human Resources Department.
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MediCorp Health System Benefits Guide
LIVE WELL PROGRAM
MediCorp provides tax-free reimbursement to eligible Associates for qualified education-related
Live Well is a personalized, interactive wellness program that helps you take the right steps toward
expenses. Courses must be offered by an accredited institution, leading to an undergraduate
improving your health and your life. No one at MediCorp will have access to any personal health
or graduate degree (sport, hobby or game degrees are not covered). Associates eligible for this
data you share while participating in the Live Well program. The Live Well program has several
benefit must:
key components:
ADDITIONAL BENEFITS
TUITION ASSISTANCE
• be actively employed
for New 08 20
• have completed one year of service
Online Personal Health Assessment (PHA)
• be employed on a full-time or part-time basis with an FTE assignment of 0.5 or greater
Questionnaire and Health Screening Health habits, lifestyle and even your makeup may be putting your health at risk. The PHA will
Full-time Associates (FTE 0.9–1.00) are eligible for:
evaluate potential risks and then offer you information on how to manage them. The questionnaire
Graduate
$4,000 per year
covers your personal health, lifestyle, story, physical activity, nutrition, stress and coping skills.
Undergraduate
$3,000 per year The questionnaire also asks you to input your height, weight, body mass index (BMI), cholesterol (total/HDL), glucose, blood pressure and tobacco use. You can learn these values during your
Graduate
$2,000 per year
new-hire physical or by attending a MediCorp-sponsored health screening.
Undergraduate
$1,500 per year
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Part-time Associates (FTE 0.5–0.899) are eligible for:
The Life Well program offers you: Associates must submit a complete copy of the tuition assistance form no later than 30 days after
• A personalized wellness report generated online, showing health issues you can change.
beginning the educational course in order to be eligible for this benefit. Documents of successful
• Online lessons to help you better understand your health risks and how to manage them.
completion of the course (with a minimum grade “C” or equivalent) must be submitted within 90
• Access to a range of local and community support programs and resources.
days of completion of the course. Contact the Benefits Team for details at 540.741.2254.
• Health coaching.
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For more information or to schedule an appointment, call Melissa Blasiol.
540.741.3606
“This program works if you stay with it!”
“If someone is really, truly ready to quit, this offers the opportunity for support and to track your progress. I want to say thank you.” “The team really cares that you succeed in beating the tobacco habit.”
“I’ve tried many ways to quit and this has been the most successful. It’s personal and effective.”
“ I am smoke-free after 35 years of smoking thanks to the Tobacco-Free Associates Program. Don’t be afraid! The rewards far outweigh the discomforts. Quitting is tough at first but it gets better at a rapid pace! Thank you, thank you, thank you!”
TOBACCO-FREE ASSOCIATES PROGRAM
You may also be eligible for reimbursement of prescription quit-smoking medications. To ensure
“One craving at a time…”
you understand the requirements for reimbursement, it is essential that you call for details on eligibility and paperwork BEFORE you fill your prescription.
Overview: As an Associate at MediCorp you have a Tobacco Treatment Specialist dedicated to supporting you through changes in your tobacco use whether this is your first or tenth quit attempt. There are countless benefits to giving up tobacco products, yet quitting can be stressful. By working with a trained counselor you will get support with both parts of your tobacco use: the habit and the physical addiction to nicotine.
demand. At your first session you will complete an intake packet with questions about your tobacco use over time and the lifestyle factors that may impact your progress. Then you will sit down with your Specialist to design a personal quit plan, choose a quit date and learn about the available cessation aids. Short follow-up sessions will be scheduled every two weeks or as needed.
Cessation Aids: Research shows that using a medicine to help you quit smoking can double your chance of success. This is because cessation aids blunt many of your withdrawal symptoms, allowing you to actively work on changing the thoughts and behaviors that make you a “smoker.” While enrolled in the program you are eligible to use the following aids free of charge:
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for New 08 To assist our Associates who adopt, MediCorp will provide $3,500 for full-time Associates 20
and $1,750 for part-time (FTE 0.5 or greater) Associates. Contact the Benefits Section of Human Resources for details.
Process: Appointments are held at MHS Health & Wellness as well as at MediCorp entities by
• NicoDerm® CQ® patches
ADOPTION ASSISTANCE
• Commit® lozenges
• Nicorette® gum
KIDS’ STATION: CHILD CARE As a working parent, you want a safe and innovative environment for your child during the time you are unable to be together. Kids’ Station is a dynamic center for children in a safe and nurturing environment. Kids’ Station was nominated by the National Association of Child Care Professionals as one of the top three child care centers in the country.
Kids’ Station offers: • A full range of day care services for children aged three weeks to 13 years • A kindergarten program with licensed teachers (extended enrollment age, five years old by November 30) and class size limited to 15 children • Occasional Care program for hourly drop-in • Before- and after-school care Contact Kids’ Station for more information at 540.741.3740.
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MediCorp Health System Benefits Guide
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ERRAND SOLUTIONS: PERSONAL ASSISTANCE AND RESOURCES MediCorp Health System is happy to offer a free employee benefit designed to save you time
A trained professional Errand Solutions representative is located at Mary Washington Hospital to
and money. We have partnered with Errand Solutions, an errand convenience service designed to
make interaction easy in person, through e-mail or by telephone. Drop off your items to be serviced,
assist you with just about any personal or business task on your to-do list. Errand Solutions takes
including dry cleaning, jewelry, shoes or car keys for vehicle services, to the site during operating
care of these everyday tasks while you are at work, so that you have more free time to do the
hours. You will be notified when your items are ready for pickup. For car services, please make an
things you truly enjoy. Errand Solutions is a complimentary service that will assist you in balancing
appointment 24 hours in advance. Coordination of services and any assistance given are free of
the responsibilities of your work and personal life.
charge, and payment is accepted only for actual outside services rendered. On-site research and planning tasks are free. Interactions are private and handled with professional excellence, and all service providers are licensed and insured.
Services include: Personal and Convenient
Corporate Tasks
• Dry cleaning and laundry
• Meeting and event planning
• Car care
• Employee rewards and recognition
• Package services
• Workplace morale activities
• Jewelry repair and battery replacement
• Philanthropic events
• Shoe and leather repair
• Customized gift acquisition and presentation
• Photo processing
• Research projects
• Travel arrangements
Special Occasion
• Event tickets and reservations
• Key date reminder services
• Activity research and booking
• Event and party planning
• Service referrals
• Holiday supply and decoration assistance
Home Improvement
• Bakery and catering
Personal Health
• Balloon arrangements
Child and Pet Care
• Gift cards and gift baskets • Gift wrapping
Errand Solutions is located past the Atrium next to the information desk. An Errand Solutions site representative can also be reached at 540.741.2882 or at errandsolutions@medicorp.org. Your Errand Solutions representative is on-site at Mary Washington Hospital to accommodate your requests: Monday, Wednesday and Friday 8:30 a.m. – 4:30 p.m. Tuesday and Thursday 7:00 a.m. – 3:00 p.m. An Errand Solutions representative will visit the following MediCorp entities Monday through Friday: Monday: Ladysmith Tuesday: Princess Anne Lab, MWH Foundation, Marketing and Public Relations Wednesday: Lee’s Hill and Massaponax sites including Medical Imaging, Wound Clinic, Rehab, Diabetes Clinic, Coumadin Clinic, Oncology, Home Care and Hospice Thursday: Associate Health, 2300 Fall Hill offices, North Stafford Physical Therapy Friday: Cancer Center of Virginia, Carriage Hill The above dates and times are subject to change as needs arise throughout the year. Please contact the Errand Solutions site representative at Mary Washington Hospital to confirm their current schedule.
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IDENTITY FRAUD EXPENSE REIMBURSEMENT
ADDITIONAL BENEFITS OFFERED
MediCorp is concerned about the financial security and personal well-being of its Associates and
Here’s more…
has purchased an identity fraud expense reimbursement policy. Coverage is provided by St. Paul Travelers and provides each Associate with limits of liability of $25,000 subject to no deductible.
• Savings bonds:
- Buy U.S. savings bonds by convenient payroll deduction. • Two credit unions to handle your banking needs convenient to work:
This coverage reimburses identity theft victims for the following (subject to the carrier’s consent): • Lost wages as a result of time taken off from work to deal with the fraud, including wrongful incarceration – up to $1,000 per week for five weeks.
and Route 610 in Stafford. - The Healthcare Systems Federal Credit Union offers a full array of banking services
• Notary and certified mail charges for completing and delivering fraud affidavits.
on-site at Mary Washington Hospital on Wednesdays between 10:00 a.m. and 1:00 p.m.
• Fees to re-apply for loans that were denied due to erroneous credit information due to the
as well as an ATM at 2300 Fall Hill. Call 800.250.9676 to reach the Healthcare Systems
Federal Credit Union in Fairfax.
identity theft.
• Discount database of local merchants:
• Long-distance telephone charges for calling merchants, law enforcement agencies or credit grantors to discuss an actual identity theft. • Attorney fees subject to carrier’s consent.
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You may call 800.842.8496 to speak with a St. Paul Travelers representative.
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- The Virginia Credit Union is located at Plank Road in Fredericksburg (540.899.4466)
MediCorp Health System Benefits Guide
- Check out the discount database, which is available from the www.medicorp.org homepage or the Lotus Notes portal.
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FOR ALL BENEFITS AND ENROLLMENT QUESTIONS, PLEASE CONTACT:
IMPORTANT NUMBERS
Allison Black
Aetna
Delta Dental
Benefit Analyst
800.291.2953
800.237.6060
allison.black@medicorp.org
www.aetna.com
www.deltadentalva.com
ASSIST
MHS Health & Wellness
866.409.9692
540.741.3621
Kids’ Station
Vision Service Plan (VSP)
540.741.3740
800.877.7195
540.741.1483 If you are unable to reach Allison or need further assistance, please contact: Cyndie Imler
Cindy Kjar
Pam Burton
D. L. Sumner
Benefit Analyst
Benefit Analyst
Benefits Manager Director, Compensation & Benefits
cyndie.imler@medicorp.org
cindy.kjar@medicorp.org
pam.burton@medicorp.org
dl.sumner@medicorp.org
540.741.2585
540.741.2254
540.741.3552
540.741.2587
Lincoln Financial Group
www.vsp.com
800.234.3500
Errand Solutions
www.lfg.com
540.741.2882 errandsolutions@medicorp.org
Human Resources 1001 Sam Perry Boulevard Fredericksburg, VA 22401 medicorp.org