Benefits: Insurance

• Health Insurance PPO and HMO Options
• Dental Insurance
• Vision Insurance
• Group Term Life Insurance
• Supplemental Life and Long Term Care Insurance
• Long and Short Term Disability Insurance

Health Insurance PPO and HMO Options

Children's provides employees an opportunity to participate in one of two types of health insurance plans: a PPO- Preferred Provider Option; or, an HMO- Health Maintenance Organization. Employees share a portion of the premium costs, and premiums are deducted on a pre-tax basis from an employee's pay. Coverage types are offered for employees and employees plus their families. Coverage is available the first of the month after the date of hire.

Plan Choices
• Children's Health Plan : Children's Health Plan is a PPO (preferred provider organization) self-insured health insurance plan. Participants in the Plan can choose to go to either the preferred providers or they may choose to go to any provider they choose outside the network.
• Health Maintenance Organizations : Currently several HMO's are offered in addition to the Children's Health Plan as an option for health insurance coverage to Children’s staff and their families. The HMOs all contain dental coverage, vision coverage and prescription drug coverage.

Dental Insurance

Children's provides employees an opportunity to participate in one of two dental plans: the Children's Dental Plan (an indemnity dental plan) or a scheduled fee-for-services dental plan. Employees share a portion of the premium costs, and premiums are deducted on a pre-tax basis from an employee's pay. Coverage types are offered for employees and employees plus their families. Coverage is available the first of the month following date of hire.

Vision Insurance

Children's offers staff the opportunity to elect to participate in the Vision Services Plan. The Plan provides comprehensive and quality eye care at a minimal out-of-pocket expense. This is a PPO (preferred provider) type program. Employees share a portion of the premium costs, and premiums are deducted on a pre-tax basis from an employee's pay. Coverage types are offered for employees and employees plus their families. Coverage is available the first of the month following date of hire.

Group Term Life Insurance

Group term life insurance coverage to include accidental death and dismemberment coverage is provided to eligible staff at no cost to employees. The amount of coverage is a multiple of base salary depending on your staff position.

Supplemental Life and Long Term Care Insurance

Children's offers you the option of purchasing supplemental life insurance as well as Long Term Care Insurance coverage through payroll deduction. The supplemental life insurance program is available to provide additional financial protection in the event of the death of the staff member or of a covered dependent. Long Term Care Insurance is available for employee purchase through payroll deduction. This insurance provides for coverage for day in, day out assistance you need when you have a serious illness or disability that lasts for a period of time, resulting in your inability to care for yourself.

During new employment eligibility, this coverage is available on a guaranteed issue basis. This means that evidence of good health will not be required to purchase coverage. Since this life insurance coverage is fully portable after separation from Children's, this is an excellent opportunity to add to your insurance coverage or obtain new insurance at low group rates.

The employee pays the supplemental life and long term care insurance premiums through payroll deduction.

Long and Short Term Disability Insurance

A long-term disability plan is established to insure income protection of staff who become totally disabled for 90 days or more as a result of accident or illness, once accrued sick leave has been exhausted. The plan pays a percentage of the employee's regular monthly base salary according to staff position. The coverage is provided at no cost to eligible employees.