Pender Memorial Hospital Employee Benefits

We appreciate all you do for our patients and are committed to offering you a strong and comprehensive package of benefits to support you and your family.

Who is Eligible and When?

Benefits Who is Eligible and When small

Pender Memorial Hospital Benefits

2019 Medical, Dental and Vision Rates 

2018 Medical, Dental and Vision Rates

Medical Benefits

The PMH medical plan is a PPO plan designed to provide you and your covered dependents with quality healthcare. Here are some highlights:

  • Three tiered plan which provides members with a lot of choice in deciding where to receive care.
  • By choosing to receive care at PMH and NHRMC facilities (Tier 1), members can obtain high quality and cost effective care.
  • $25 co-pays for Tier 1 and Tier 2 PCP visits.

For detailed information about the PMH PPO plan, please review the Summary Plan Description.

Prescription Benefits

You will automatically be provided with prescription drug coverage when you elect to enroll in the medical plan. To obtain a listing of the participating pharmacies, generic equivalents and drug tier levels, go to www.MedImpact.com/. Please remember that Walgreens and Rite Aid pharmacies are not in our network. To contact MedImpact by phone, please call 888-254-9904.

Mandatory Generic Drug Policy

Many prescription drugs are available as both a brand name drug and a generic name drug. By law, generic drugs must meet the same standards for safety and effectiveness as brand name drugs. Obtaining generic drugs whenever possible can provide you with direct savings because you pay a lower co-pay. It also provides you with indirect savings because you save the plan money, which ultimately benefits you.

When you have a prescription filled, you will receive a generic substitute whenever possible. If there is not a generic equivalent available, tier pricing will apply. If you choose to receive the brand name drug and a generic equivalent is available, you will pay the difference between the full cost of the generic and the brand-name drug, plus the tier co-pay.

Prescription Drug Benefits

Any MedImpact In-Network Pharmacy

  • Tier 1 30‐Day Supply $4
  • Tier 2 30‐Day Supply $25
  • Tier 3 30‐Day Supply $40
  • Tier 4: 20% up to maximum of $100
Mandatory Mail Order Maintenance Medications** Prescription Drug 90-Day Supply
Tier 1 90-Day Supply MedImpactDirect.com co-pay at 2 1/2 times
Tier 2 90-Day Supply MedImpactDirect.com co-pay at 2 1/2 times
Tier 3 90-Day Supply MedImpactDirect.com co-pay at 2 1/2 times

Maintenance Medication by Mail

Our prescription drug plan requires maintenance medications (drugs you take regularly to manage a chronic condition) to be filled through MedImpact Direct. You will still be able to fill a maintenance drug prescription twice for a 30-day supply at a retail pharmacy. After that, maintenance drugs must be filled for a 90-supply through MedImpact Direct.

All employees who use mail-order prescription delivery for maintenance medications can contact MedImpact Direct by calling (855) 873-8739 or by visiting MedImpactDirect.com. Your provider can submit your prescription electronically via ePrescribing or fax to: (888) 783-1773.

Specialty Prescriptions

For our members who require specialty medications, MedImpact has partnered with CommCare Specialty Pharmacy to meet your needs. To reach CommCare, call (888) 203-7973 or visit CommCarePharmacy.com. Please review this letter for additional information about CommCare.

 

Dental Benefits

Regular, professional dental care is essential to good health, and can also prevent serious and costly medical problems. To help ensure you have a clean, healthy mouth, your dental plan includes preventative, basic, and major dental care through Ameritas.

Your coverage has three levels of procedures: preventative, basic, and major. The level of coverage varies from 50% to 100%.

Preferred Provider Organization

You are free to seek care from any dentist you choose, but there are real benefits to utilizing a network provider. When visiting a provider associated with the Ameritas network, you have no claims to file, you will never be balance billed and you can generally save money in coinsurance because a provider in the Ameritas network has agreed to contracted fees which are typically lower than the average area charges. To find participating providers in our area, visit ameritasgroup.com.

Dental Rewards Program

Dental Rewards is a value-added program that encourages good dental habits through regular dental care. It allows you to earn additional money toward each year’s annual maximum.

For detailed information about the dental plan, including the Dental Rewards Program, please review the plan highlight sheet.

What to do if your dentist does not file claims with Ameritas?

You will pay for the service claim at the time of your visit. Then use the Ameritas Group Dental Claim Form for reimbursement. Mail the claim form and a receipt directly to Ameritas and the company will mail you a check, typically within two weeks

Vision Benefits

PMH offers a vision plan through Community Eye Care which provides each covered participant with:

* One routine eye exam per calendar year - $10 co-pay

* One standard contact lens fitting per calendar year - $10 co-pay

* $150 eyewear allowance per calendar year (note: unused money does not roll over)

Your eyewear allowance can be used for frames, sunglasses, spectacle lenses, contact lenses, special lens feature or any of these in combination.

How to Use the Benefit

You can access your vision benefit either in-network or out-of-network.

Find a Community Eye Care in-network provider at www.communityeyecare.net or by calling 888.254.4290. When you schedule your appointment, let your provider know you are a CEC member so they may verify eligibility and obtain an authorization code from CEC prior to your visit.

Members who opt to see an out-of-network provider must pay the provider’s full charges at the time of the visit, obtain a receipt, and file a claim with Community Eye Care.

Getting a Personalized Card

Community Eye Care issues ID cards for new enrollees. Employees may also download a temporary card or request a new card on the CEC website at www.communityeyecare.net.

Flexible Spending

You have the opportunity to participate in two pre-tax flexible spending accounts: Health Care Flexible Spending Account (HCFSA) and the Dependent Care Flexible Spending Account (DCFSA). These accounts offer you a tax-free way to pay for qualified expenses not covered by insurance. Because the dollars you place in these accounts are taken out of your pay before taxes, you lower your taxable income, saving you money. Please review IRS Publication 502 or visit www.flores247.com for a complete set of eligible expenses.

Each year you may elect to place a designated amount of pre-tax dollars in your flexible spending account(s). The dollars you place in these accounts will be deducted from each of your 26 paychecks during the calendar year.

When you submit proof of an eligible expense, you will be reimbursed from your account. Changes to your deduction amounts can only be made when there is a qualifying status change, and you must re-enroll each year during the open enrollment period to participate in the next plan year.

It is important that you carefully choose how much to elect for each flexible account. If the amount you elect for a flexible spending account exceeds your properly submitted eligible expenses for the plan year, the excess amount will be forfeited. It cannot be rolled over or distributed. This is known as the "use it or lose it rule."

Grace and Run Out Periods

For active employees: You have until June 15 following the plan year in which you contributed to an FSA to submit reimbursement claims for services and eligible expenses incurred during that plan year and the 2 ½ month grace period that ends on March 15 following that plan year.

If you participate in an FSA two years in a row, any claims that you incur during the grace period (January 1 to March 15) and submit by June 15 will first be applied to your FSA balance for prior plan year, if available. For terminated employees: You have 30 days following your plan termination date to submit claims for expenses incurred prior to your plan termination date.

Health Care FSA eligible expenses

Dependent Care FSA eligible expenses

Basic Term Life Insurance

All employees scheduled to work a minimum of 32 hours or more per week are given life insurance in the amount of $10,000 or one times their base salary (whichever is greater). Your life insurance reduces to 65% of your amount at age 65, to 40% at age 70, and to 25% at age 75.

Your basic life insurance includes Accidental Death and Dismemberment (AD&D) insurance which is equal to the amount of your life insurance coverage.

Your basic term life insurance is completely paid for by PMH.

You designate your beneficiaries through Lawson Employee Self Service (ESS) after your benefit effective start date. You may change your beneficiaries any time through ESS.

Long-Term Disability

PMH provides you with long-term disability insurance at no charge to you. Disability insurance ensures you a regular income if you are injured or become ill and you are unable to work for an extended period of time. The insurance provides 60% replacement of base salary up to a monthly maximum of $5,000 following 180 days (six months) of an approved continuous disability. Claims are first subject to approval by our LTD insurance carrier. Contact NHRMC HR-Benefits if you need an LTD application. Replacement salary continues as long as you are certified disabled by the carrier up to age 65.