2017 Total Rewards & Value Employee Benefit Program Go Mobile! Text ALTRUBEN to 88202 to watch the video! Don't have a smart phone? Go to: https://altruhealthsystem.a.guidespark.com/videos/38901
Eligibility If you are an employee who is regularly scheduled to work at least 40 hours per pay period, you are eligible for benefits. Flex employees who average 30 or more hours per week, over the defined measurement period of 12 months, are eligible for medical coverage Annual Open Enrollment is the chance to review and update your benefit elections to keep in step with your needs. You also have options to change your benefits within 31 days of a Qualifying Life Event such as marriage, birth, divorce, death, or changing from full-time to part-time or vice versa. Medical Insurance Altru and Medica have created a unique network that delivers quality care, patient satisfaction and lower costs. Altru & You with Medica provides access to more than 40 primary care clinics and 17 hospitals in northeastern ND and northwestern MN. The plan designed for Altru employees is unique to us. Our self-funded medical coverage helps you and your family maintain your well-being. If members travel out of the plan s service area (Minnesota, North Dakota, South Dakota and western Wisconsin), and need care, they have access to Medica s Travel Program network. This nationwide network is one of the largest in the country. ALTRU & YOU WITH MEDICA SEMIMONTHLY CONTRIBUTIONS FULL-TIME PART-TIME Employee Only $41.30 $90.34 Employee Plus Child(ren) $124.35 $198.96 Employee Plus Spouse/ Domestic Partner $173.43* $254.96* Family $214.73* $338.64* CALENDAR YEAR DEDUCTIBLE IN-NETWORK OUT-OF-NETWORK Employee Only $500 $3,000 Family $1,000 $6,000 COINSURANCE 20%* 40%* CALENDAR YEAR OUT-OF-POCKET MAXIMUM (MAXIMUM INCLUDES DEDUCTIBLE) Employee Only $2,250 $6,000 Family $4,500 $12,000 Lifetime Maximum Unlimited COPAYS/COINSURANCE Preventive Care 100% 40%** e-visit $10 copay 40%** Primary Office Visit $30 copay 40%** Specialist Office Visit $60 copay 40%** Emergency Room $200 copay; 20% thereafter In-Network Benefit Urgent Care $100 copay; 20% thereafter In-Network Benefit Inpatient/Outpatient Services 20%** coinsurance 40%** coinsurance *Working spousal surcharge of $50 per pay period may apply **After deductible $25 tobacco surcharge per pay period applies if employee is a tobacco user Special Features Members of Altru & You with Medica have access to a great Health Club Credit, My Health Member Rewards, incentive program for wellness, special discounts on Altru's Weight Management Program and Health Coaching at the Sanny & Jerry Ryan Center for Prevention & Genetics.
PHARMACY BENEFITS RETAIL RX (34-DAY SUPPLY) Altru Network Medica Network Out-of-Network Generic Formulary $15 copay $15 minimum 40%* Brand Formulary $45 copay $45 minimum 40%* Non-Formulary $75 copay $75 minimum 50%* Speciality $200 copay $200 minimum No coverage ALTRU NETWORK RX OUT-OF-POCKET MAXIMUM Employee Only $1,500 Family $4,000 *After Deductible Specialty drugs are high-cost prescription medications and are typically used to treat complex, chronic conditions like cancer, rheumatoid arthritis and multiple sclerosis. Altru Network Pharmacies Five different in-network pharmacies are available to plan members. Altru Retail Pharmacy* (inside Altru Hospital) 1200 S. Columbia Road, Grand Forks, ND 701-780-3444 *All specialty medications must be filled here. Altru Clinic Pharmacy -Main Clinic (located in Altru Main Clinic) 1000 S. Columbia Road, Grand Forks, ND 701-772-4875 Altru Clinic Pharmacy - Family Medicine Center (located in Altru Family Medicine Center) 1380 S. Columbia Road, Grand Forks, ND 701-795-2020 Altru Family Medicine Residency Pharmacy 725 Hamline Street, Grand Forks, ND 701-780-6870 Altru Health System Pharmacy (inpatient pharmacy) 1200 S. Columbia Road, Grand Forks, ND 701-780-5150 Walls Pharmacy 1451 44th Ave. South, Grand Forks, ND 701-732-2900 Go to mymedica.com for other (non-altru) in-network pharmacies. Dental Insurance Our self-funded dental coverage will provide you and your family affordable options for oral health. The plan is administered by Delta Dental of Minnesota. DELTA DENTAL OF MINNESOTA SEMIMONTHLY CONTRIBUTIONS FULL-TIME PART-TIME Employee Only $9.38 $11.26 Family $24.30 $26.41 CALENDAR YEAR DEDUCTIBLE PREMIER/PPO NON-NETWORK Employee Only $50 $50 Family $100 $100 CALENDAR YEAR MAXIMUM Per Person $1,000 $1,000 COVERED SERVICES Orthodontic Lifetime Maximum $1,500
Retirement Savings Plan 401(k) Altru offers a competitive, valuable 401(k) retirement savings plan. You are eligible for the 401(k) plan if you are in a full- or part-time position; you may able be eligible for the 401(k) plan if you are a flex or Under 20 employee who has worked at least 1000 hours in a calendar year. The 401(k) plan allows you to make pre-tax or Roth (after-tax) contributions. There is a match of 50% on the first 6% of pay. At the end of each year, if eligible, you will receive an automatic 3% contribution based on your total compensation for the year. You are *vested in the 401(k) once eligible and contributions are made. *Vested means all employee and employer contributions belong to you immediately. Life and AD&D Insurance Basic Employee Life and Accidental Death and Dismemberment (AD&D) Altru Health System provides employees with Basic Life and AD&D insurance through Lincoln Financial Group, which guarantees that loved ones, such as a spouse/domestic partner or other designated survivor(s), continue to receive part of an employee's benefits after a death. Your Life insurance benefit is 1x your annual salary up to a maximum, varied by class. If you are a benefit eligible employee, you automatically receive Life and AD&D insurance, at no cost to you, even if you elect to waive other coverage. Optional Life Eligible employees may purchase optional life insurance for themselves and their families. You may purchase optional life insurance for yourself up to 5x your annual salary, not to exceed 1million (basic and optional life combined). Evidence of lnsurability (EOI) may be required. You may purchase additional life insurance for your spouse in $5,000 increments up to $25,000 or the option of $5,000 or $10,000 for each eligible child. EOI may be required. Employee contributions are made through post-tax payroll deductions. OPTIONAL LIFE INSURANCE EMPLOYEE RATES/$1,000 (MONTHLY) SPOUSE RATES/$5,000 (MONTHLY) AGE EMPLOYEE AGE SPOUSE Younger than 30 $0.029 Younger than 30 $0.16 30 34 $0.033 30-34 $0.18 35 39 $0.055 35 39 $0.30 40-44 $0.098 40-44 $0.54 45-49 $0.152 45-49 $0.83 50-54 $0.263 50-54 $1.43 55-59 $0.389 55-59 $2.12 60-64 $0.521 60-64 $2.83 65+* $0.959 65+ $5.21 TO CALCULATE HOW MUCH YOUR LIFE COVERAGE WILL COST: $ 1,000 = $ x Age Based rate = $ Benefit Elected Monthly Premium TO CALCULATE HOW MUCH YOUR SPOUSE LIFE COVERAGE WILL COST: $ 5,000 = $ x Age Based rate = $ Benefit Elected Monthly Premium CHILD LIFE INSURANCE PREMIUM RA1ES - $(MONTHLY) $5,000 for each eligible child $0.77 $10,000 for each eligible child $1.54
Income Protection Disability insurance protects a portion of your income if you become partially or totally disabled for a defined period of time. 0-90 Days: Voluntary Short Term Disability (VSTD) protects a portion of your income, up to 13 weeks. You may elect coverage to replace up to 66.67% of your income, up to a maximum benefit of $750 per week. Benefits begin on the first day of an accident and on the eighth day for an illness. (2017 will be the last year this benefit will be available.) 91-180 Days: Short Term Disability (STD) benefits are provided to you at no cost. The Altru-paid STD provides a layer of protection between exhaustion of the VSTD (91 days) and Long Term Disability (Day 181). STD coverage begins following 90 days of disability and provides income replacement of up to 60%. 181 Days or Longer: Long Term Disability (LTD) insurance protects a portion of your income if you become partially or totally disabled for an extended period of time. The Altru-paid LTD replaces 60% of your income, up to a maximum of $15,000 per month. You must be sick or disabled for at least 180 days before you become eligible for a benefit payment. Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner (Certain exclusions, along with any pre-existing condition limitations, may apply). Refer to the SPD for plan specifics. Extended Sick Time (EST) The purpose of EST is to provide eligible employees with income protection for their own illness or injury that keeps them from work for more than a week. Exempt employees will receive 48 hours of EST at their date of hire. Each eligible employee will earn EST at a rate of.0254 hours per hour worked which is the equivalent of 48 EST hours a year if working 40 hours a week. EST is added to the employee's EST bank when the paycheck is issued. Used EST will be subtracted from the employee's earned time bank. Paid Parental Leave We offer three parental leave benefits that protect your income at 100% while you are able to care for and bond with a newborn or a newly adopted child.» Paid Maternity Benefit: Eligible employees will receive eight weeks of paid maternity leave to help the birth mother recover and bond with their newborn.» Paid Adoption Benefit: Eligible employees who are the primary caregiver will receive four weeks of paid adoption leave to bond with their newly adopted child. Eligible employees who are the secondary caregiver will receive two weeks of paid adoption leave.» Paid Paternity Leave: Eligible employees who are the father or secondary caregiver will receive two weeks of paid paternity leave to bond with their newborn. Paid Time Off (PTO) The purpose of PTO is to provide eligible employees with flexible, paid time off from work that can be used for needs such as vacation, personal or family illness, holidays, doctor appointments, school, volunteerism and other activities of the employee's choice. Each eligible employee will accrue PTO based on their length of service. PTO is added to a PTO bank when the paycheck is issued. Employees are able to use PTO hours as accrued. Used PTO will be subtracted from the employee's accrued time bank. PTO is accrued on worked time at the following levels for an employee working 40 hours a week: YEARS OF SERVICE EQUIVALENT ANNUAL ACCRUAL 0-4 24 days = 192 hours 5-9 28 days = 224 hours 10+ 32 days = 256 hours In addition to accrued PTO employees with 15 years of service, will be recognized for their commitment by receiving a PTO splash of either PTO hours or the cash equivalent ranging from 16 to 40 hours (based on their scheduled hours) with each five year milestone. Time that is not covered by the PTO benefit, and for which separate policies and paid benefits exist, include funeral time and jury duty.
Flexible Spending Accounts Flexible Spending Accounts (FSAs) allow you to set aside pre-tax payroll deductions to pay for out-of-pocket health care expenses such as deductibles, copays and coinsurance, as well as dependent care expenses. This plan is administered by Discovery Benefits. Healthcare Flexible Spending Account (FSA) You can contribute up to $2,550 for qualified medical expenses with pre-tax dollars, which will reduce the amount of your taxable income and increase your take-home pay. The medical FSA allows a rollover of unused funds, up to $500, into the following Plan Year Dependent Care Flexible Spending Account (FSA) In addition to the Health Care FSA, you may opt to participate in the Dependent Care FSA as well-whether or not you elect any other benefits. The Dependent Care FSA allows you to set aside pre-tax funds to help pay for expenses associated with caring for elder or child dependents. With the Dependent Care FSA, you are allowed to set aside up to $5,000 to pay for child or elder care expenses on a pre-tax basis. General Rules and Restrictions In exchange for the tax advantages that FSAs offer,the IRS has imposed the following rules and restrictions for both Health Care and Dependent Care FSAs:» Your expenses must be incurred during the 2017 Plan Year. Your dollars cannot be transferred from one FSA to another.» You cannot participate in Dependent Care FSA and claim a dependent care tax deduction at the same time.» Dependent Care FSAs are "use it or lose it"-any unused funds will be forfeited. Health Care FSAs allow up to $500 in carryover.» You cannot change your FSA deduction in the middle of the Plan Year unless you experience a Qualifying Life Event such as marriage, divorce, birth of a child or change in cost of daycare. While FSA debit cards allow you to pay for services at point of sale, they do not remove the IRS regulations for substantiation. This means that you must always keep receipts and Explanation of Benefits (EOBs} for any debit card charges. Failure to provide proof that an expense was valid can result in your card being turned off and your expense being deemed taxable. COVERAGE CONTACT COVERAGE CONTACT Medical Dental Altru & You with Medica 855-400-9652 www.mymedica.com Delta Dental of Minnesota 800-448-3815 www.deltadentalmn.org Group#: 901096 Retirement Altru Health System Human Resources 401(k), Alerus Financial 800-433-1685 www.alerusrb.com 701-780-5107 HRhelpdesk@altru.org AltruLink.org/HR Flexible Spending Accounts Discovery Benefits 866-451-3399 www.discoverybenefits.com Managed Care 701-780-1601 (Last Name A-K) or 701-780-1610 (Last Name L-Z) Life and AD&D Disability Lincoln Financial Group 855-818-2883 www.lfg.com Employee Assistance Program Vital Workife 800-383-1908 www.vitalworklife.com Username: altru Password: member This brochure is intended to describe the eligibility requirements, enrollment procedures and coverage effective dates for the benefits offered by the Company. It is not a legal Plan document and does not imply a guarantee of employment or a continuation of benefits. While this brochure is a tool to answer most of your questions, full details of the Plans are contained in the Summary Plan Descriptions (SPDs) which govern each Plan's operation. Whenever an interpretation of a Plan benefit is necessary, the actual Plan documents will be used.