2024 Focus on Physician Benefits
Benefits Common Benefits Terms ............................................................... 4 Eligibility and Enrollment................................................................ 5 Medical Plans and Deductions................................................... 6 Prescription Drug Plan.................................................................... 9 Orlando Health Scripts Pharmacies ......................................... 11 Health Savings Account................................................................ 12 Flexible Spending Accounts......................................................... 13 Dental Plans........................................................................................ 14 Vision Plan............................................................................................ 15 Life Insurance..................................................................................... 16 Physician Benefit Plan..................................................................... 17 Leave of Absence and Personal Time Away......................... 18 Family Care Benefits ....................................................................... 19 Paid Parental Leave........................................................................ 20 Wealth Management Services................................................... 21 Well-Being Well-Being Program........................................................................ 22 Physician Wellness and Resilience Program ......................... 23 Your Best Place to Work Resources Benefits that Go Beyond the Expected ................................. 24 Team Member Giving .................................................................... 25 Additional Benefits and Discounts ........................................... 26 Career Education Assistance Programs................................................. 28 Quick Reference Pre-Enrollment Worksheet............................................................ 29 Benefits Contact Information...................................................... 30 Disclosure Notice.............................................................................. 31 Want more information on Benefits? Visit SWIFT>Menu>Human Resources>Your Benefits 2
Thank you for choosing to share your talents with us. Your commitment and care continue to distinguish Orlando Health across the nation. As an organization that appreciates the physicians who make their home here, Orlando Health Medical Group is dedicated to delivering the resources you need for a successful career as our partner. That starts with a full range of benefits that go beyond the typical to support your professional growth and the well-being of you and your family. We know being a physician is a difficult job — and we try not to make it harder. This year, for example, we have streamlined the process to attend conferences for continuing medical education credits. And we have expanded our Physician Wellness and Resilience initiative, which was recently selected by the American Medical Association for its Joy in Medicine Health System Recognition Program. We are grateful for all you do and look forward to collaborating with you today and throughout your career at Orlando Health. All the best, Cary J. D’Ortona Jamal Hakim, MD President Chief Physician Officer Orlando Health Orlando Health Medical Group To Our Valued Physicians O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 3
403(b) Retirement Savings Plan Allows you and Orlando Health to make contributions towards your retirement. 457(b) Optional Non-Qualified Deferred Compensation Plan Save on a pre-tax basis, in addition to the 403(b) Retirement Savings Plan. Beneficiary Person who is listed as the recipient of the proceeds from your benefit plans. Coinsurance The percentage of covered expenses you pay (the plan pays the remaining percentage). Copayment A flat fee you pay at the time of service, regardless of the cost of the service, such as the office visit copay. Deductible The amount you pay for healthcare expenses before your plan begins to pay for benefits. Dependent Your spouse and children who are eligible for benefits. Explanation of Benefits (EOB) A record that outlines the healthcare services you used, how much you owe and how much your plan covered. You will receive an EOB for medical and dental services. Flexible Spending Account (FSA) An account that allows you to save pre-tax dollars from every paycheck to be used for eligible expenses. You must use the funds or risk losing them. Health Savings Account (HSA) If you’re enrolled in the high-deductible health plan, an HSA allows you to save tax-free money from each paycheck. Orlando Health also contributes to your account. Balances roll over from year to year and never expire. If you change jobs or medical plans you may also keep this account. High Deductible Health Plan (HDHP) A plan with a higher deductible than a traditional medical plan. The payroll contributions are lower – but you pay more health care costs yourself through your deductible – before the plan starts to pay its share. A high deductible plan (HDHP) can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes. The IRS has specific deductible and out-of-pocket maximum requirements for an HDHP. Out-of-Pocket Maximum The most you’ll pay for covered services in a plan year. If you meet your out-of-pocket maximum, all eligible services will be covered at 100 percent. Pre-Tax Deductions Money that’s taken from your gross pay before taxes are calculated, which reduces your taxable wages (this is found through your medical, dental, vision, 403(b), FSA and HSA accounts). Roth 403(b) Post-tax contributions from a team member’s paycheck toward their 403(b) plan. Common Benefits Terms 4
Eligibility and Enrollment Are You Eligible? If you’re a regular full-time, variable full-time or parttime team member, you’re eligible to participate in the Orlando Health benefit plans. This group, and our pool physicians, are eligible for our retirement plan, along with auto and pet insurance. Refer to the Summary Plan Description (SPD) for more information. This can be found in Team Member Connect>Benefit Resources>Benefits Compliance Documents. Not sure what to choose? Meet ALEX: Your Online Benefits Counselor ALEX is an interactive, personalized online tool to help you select your benefit plans. He may be virtual, but he’s really quite helpful. To access ALEX, go to MyAlex.com/ OrlandoHealth/2024/OH Already Decided? To enroll in your benefits, visit Team Member Connect TeamMemberConnect.OrlandoHealth. com then click on Benefits Enrollment. Let’s Get (En)Rolling Work Status Work Hours a Week Full-Time (FT) 40 Hours Variable Full-Time (VFT) 30 - 39 Hours Part-Time (PT) 24 - 29 Hours Dependent Eligibility Verification Upon enrollment in any Orlando Health medical, dental and/or vision plan, all physicians must provide required documentation verifying their dependent’s eligibility with Mercer/Aptia Dependent Verification Center. Newbie? Here’s When You Can Enroll New physicians are immediately eligible for benefits. You can enroll anytime within 10 calendar days of your hire date, or the date you are in a benefitseligible position. If you do not elect your benefits within 10 days, you’ll have to wait until the next Open Enrollment to elect coverage (unless you have a qualified life event highlighted below). Changing Your Benefit Choices Generally, your benefit choices will remain in effect for a full calendar year, so make good choices when you enroll. But if you think you want to make changes to your benefits, you’ll have the ability to do so during open enrollment, which is held annually in the fall. If you have a qualified life event — such as a loss/gain of coverage, marriage, divorce, or birth/adoption of a child — you may be able to make changes to your selections within 31 days of the life event. Changing is easy. Start the process by submitting your request on Team Member Connect within 31 days of your life event and include any necessary documents. O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 5
Medical Plans Review the chart below for the features and flexibility of each plan. Use ALEX, our personalized benefits counselor for assistance in choosing the best plan at MyAlex.com/OrlandoHealth/2024/OH. Virtual Visits Sometimes, circumstances or your schedule make it difficult to go see the doctor. That’s why we offer virtual visits, the easy way to get on-demand, quality healthcare, when and where you need it. To take advantage of this easy way to get care, register for Virtual Visits at OrlandoHealth.com/Virtual-Visit. Orlando Health MyChart With MyChart, you can manage your Orlando Health appointments, access test results, request prescription refills and pay bills all in a few clicks on your phone, tablet or computer. MyChart is your healthcare connection, whenever you need it and wherever you are. Orlando Health Provider Network What’s the best thing about working with the best healthcare team in Florida? The fact that you can be cared for by us as well. Utilizing providers in the Orlando Health Network will provide the highest level of coverage for any of the medical plans. You’ll be asked to designate a Primary Care Physician (PCP) for all medical plan options. Your PCP will help you navigate your care. To locate an innetwork provider, visit UMR.com/OrlandoHealth or contact UMR for assistance at (844) 614-8435. In the Care Plus Plan and HSA Care Plan, physicians may use the United Health Care (UHC) Choice Plus Network, as shown on page 7. Ongoing Condition and Emerging Care Management UMR will provide specialized assistance to physicians and covered dependents undergoing care for chronic medical conditions. They also provide support to members at moderate risk of developing a chronic medical condition. We encourage all physicians and covered dependents to participate in these programs to ensure you are getting the care you need most. Key Features Exclusive Care Care Plus HSA Care Network No out-of-network benefits in this plan, except in emergency situations or traveling outside of the network area In-network and outof-network benefits are available offering you more flexibility In-network and out-of-network benefits are available offering you more flexibility Office Visits Minimal office visit copayments Minimal office visit copayments Deductible, then 20% coinsurance For healthcare services (other than preventive care which is covered at 100%) and prescription drugs, you pay 100% of the cost until you meet the deductible Deductible A low deductible for high-cost services A moderate deductible for high-cost services Has a higher deductible, which must be met before the plan begins to pay benefits. Healthcare and prescription drugs costs are combined to meet the deductible When covering more than one person, the family deductible must be met before the plan begins to pay benefits, even when one family member has reached the individual deductible Pre-Tax Accounts Eligible to elect a Healthcare Flexible Spending Account (FSA) Eligible to elect a Healthcare Flexible Spending Account (FSA) Eligible to elect a Health Savings Account (HSA) and a Limited Purpose Flexible Spending Account (FSA) to save money tax-free Scan here to register for MyChart. 6
2024 Orlando Health Medical Benefits Overview Exclusive Care Care Plus HSA Care Medical Coverage In-Network Out-ofNetwork In-Network UHC Network Out-ofNetwork In-Network UHC Network Out-ofNetwork Annual Deductible Single/Family $500/ $1,000 N/A $1,250/ $2,500 $4,000/ $8,000 $6,000/ $12,000 $3,000/ $6,000 $4,000/ $8,000 $7,000/ $14,000 Individual per Family pays $500 N/A $1,250 $4,000 $6,000 $6,000 $8,000 $14,000 Out of Pocket Max, Single/Family $4,000/ $8,000 N/A $4,000/ $8,000 $6,750/ $13,500 $9,000/ $18,000 $5,000/ $10,000 $6,000/ $12,000 $7,000/ $14,000 General Coinsurance 0% N/A 0% 50% 50% 20% 50% N/A Office Visits Preventive Care $0 Not Covered $0 $0 Deductible and Coinsurance $0 $0 Deductible Virtual Visit $0 Not Covered $0 $50 PCP $70 Specialist Deductible and Coinsurance Deductible Deductible and Coinsurance Deductible Primary Care Physician $30 Not Covered $40 $50 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Specialist $50 Not Covered $60 $70 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Maternity Care (Physician Services) $300 Not Covered $300 $400 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Emergency Services Urgent Care Services $30 CareSpot, $80 Others $100 $40 CareSpot, $80 Others $80 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Emergency Dept Visit $250* $250* Deductible, then $250* Deductible, then $250* ** Deductible and Coinsurance Deductible and Coinsurance ** Ambulance Services $250 ** $250 $250 ** Deductible and Coinsurance Deductible and Coinsurance ** Outpatient Services Minor Diagnostics (Labs) $20 OH/ $30 Others Not Covered $25 OH/ $40 Others $45 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Minor Diagnostics (X-rays) $20 OH/ $30 Others Not Covered $25 OH/ $40 Others $60 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Major Diagnostics Deductible, then $250 Not Covered Deductible, then $350 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Outpatient Surgery Deductible, then $250 Not Covered Deductible, then $350 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Durable Medical Equipment (DME) Purchase: $75 Rental: $50 Not Covered Purchase: $75 Rental: $50 Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible Inpatient Services Inpatient Services Deductible, then $500 daily, 3 day max Not Covered Deductible, then $500 daily, 3 day max Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible and Coinsurance Deductible *Waived if admitted. **Same as in-network, if true emergency. O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 7
*Part-time Team Member premiums will fall into the salary tier equivalent to annual salary on full-time basis. 2024 Medical Plan Deductions* Tier Exclusive Care Care Plus HSA Care Biweekly Monthly Biweekly Monthly Biweekly Monthly Salary under $30,000 Physician Only $42.86 $92.87 $30.08 $65.17 $6.00 $13.01 Physician and Spouse $133.76 $289.82 $108.18 $234.40 $60.03 $130.07 Physician and Child(ren) $117.04 $253.58 $94.66 $205.10 $52.53 $113.82 Full Family $207.33 $449.22 $167.68 $363.31 $93.05 $201.61 Salary between $30,000 - $60,000 Physician Only $45.26 $98.07 $32.48 $70.37 $8.40 $18.20 Physician and Spouse $142.05 $307.77 $115.89 $251.09 $72.64 $157.39 Physician and Child(ren) $124.29 $269.30 $101.40 $219.70 $63.56 $137.72 Full Family $220.17 $477.03 $179.63 $389.19 $112.59 $243.95 Salary between $60,000 - $90,000 Physician Only $57.44 $124.45 $35.83 $77.64 $11.76 $25.48 Physician and Spouse $191.40 $414.70 $165.82 $359.27 $117.67 $254.96 Physician and Child(ren) $175.79 $380.88 $145.09 $314.36 $102.96 $223.08 Full Family $296.66 $642.76 $257.01 $556.86 $182.38 $395.16 Salary above $90,000 Physician Only $71.74 $155.43 $39.36 $85.29 $15.29 $33.12 Physician and Spouse $230.62 $499.67 $201.12 $435.76 $152.97 $331.44 Physician and Child(ren) $204.23 $442.50 $175.98 $381.28 $133.85 $290.00 Full Family $336.68 $729.48 $297.03 $643.57 $237.10 $513.71 8
Maintenance Medications All maintenance medications (drugs you use on a regular basis for long-term health conditions) must be filled under a mandatory 90-day supply through an Orlando Health Scripts onsite pharmacy after the initial dispensing of up to a 30-day supply. Orlando Health offers two easy methods to refill these maintenance medications: Scripts Mail Order Service Scripts mail order pharmacy services enable you to obtain up to a 90-day supply of maintenance medications, sent directly to your home. Visit Team Member Connect for more information. Advantage 90 The Advantage 90 program allows physicians walk-in service for their 90-day maintenance medications. This benefit is available through an Orlando Health onsite pharmacy. Please visit the Scripts Pharmacy website at OrlandoHealth.com/ Services-and-Specialties/Scripts-Pharmacy for more information. Prescription Drug Plan Retail Pharmacies Retail pharmacies outside of the Orlando Health (OH) network can be used for prescriptions that you need filled immediately or for a short time only. • Prescriptions may be filled at an OptumRx Network retail pharmacy, like CVS or Walgreens, for up to a 30-day supply • Medical plan participants must have prescriptions filled at a pharmacy within the network • Refer to the Scripts Pharmacy website at OrlandoHealth.com/ Services-And-Specialties/Scripts-Pharmacy for an in-network pharmacy. Members may also call (844) 614-8435 or refer to the UMR.com/OrlandoHealth website to locate an in-network pharmacy. Mandatory Generic By law, brand and generic drugs must meet the same standards for safety and effectiveness. Generic equivalents of prescription drugs will be dispensed if available. If you or your physician request the brand-name drug when a generic is available, you will be responsible for the entire cost of your prescription. Ask your doctor to prescribe generic drugs whenever possible. O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 9
The prescription drug plan is included as part of your medical plan election. Exclusive Care and Care Plus Plans HSA Care Annual Deductible - Single/Family N/A $3,000/$6,000 $7,000/$14,000 In-Network In-Network Out-of-Network Prescription Drugs Retail (Up to 30-day Supply) Coinsurance Maximum Deductible and Coinsurance File claim with OptumRX Tier 1 Generic 20% $20 Deductible and Coinsurance File claim with OptumRX Tier 2 Preferred brand 20% $60 Deductible and Coinsurance File claim with OptumRX Tier 3 Non-preferred brand 20% $120 Deductible and Coinsurance File claim with OptumRX Tier 4 Specialty - Obtain at an onsite Orlando Health Pharmacy only 20% $200 Deductible and Coinsurance File claim with OptumRX Prescription Drugs – Mail-Order or Advantage 90 (mandatory for maintenance drugs) Coinsurance Maximum Deductible and Coinsurance File claim with OptumRX Tier 1 Generic 20% $50 Deductible and Coinsurance File claim with OptumRX Tier 2 Preferred brand 20% $150 Deductible and Coinsurance File claim with OptumRX Tier 3 Non-preferred brand 20% $300 Deductible and Coinsurance File claim with OptumRX Tier 4 Specialty Medications N/A N/A N/A N/A Specialty Medications and Prior Authorizations Certain medications, including specialty medications, require a prior authorization before they will be covered by your plan. Specialty medications will be limited to a 30-day supply and must be obtained from a Scripts Specialty Pharmacy. If you are currently taking any specialty medications and need to request prior authorization, please call our clinical call center at (800) 711-4555. Prescription Drug Plan 10
Scripts Pharmacy – Mail Order Mail Your Prescriptions To: P.O. Box 568624 | Orlando, FL 32856-8624 Visit OrlandoHealth.com/Scripts for more details. (321) 841-8251 | (321) 843-6996 fax Monday through Friday | 9:00 am to 5:30 pm Scripts Specialty Pharmacy 1111 Blackwood Ave. | Ocoee, FL 34761 (321) 842-1622 | (321) 842-1629 fax Monday through Friday | 9:00 am to 5:30 pm Scripts Pharmacy Bayfront Health St. Petersburg 701 6th St. South | St. Petersburg, FL 33701 (727) 893-6334 | (727) 893-6337 fax Monday through Friday | 9:00 am to 5:30 pm Scripts Pharmacy Orlando Health Arnold Palmer Hospital for Children 92 W. Miller St. | Orlando, FL 32806 (321) 841-1648 | (321) 841-9102 fax Monday through Friday | 9:00 am to 7:00 pm Saturday and Sunday | 9:00 am to 5:00 pm Scripts Pharmacy Orlando Health Dr. P. Phillips Hospital 9400 Turkey Lake Rd. | Orlando, FL 32819 (321) 842-7230 | (321) 842-7265 fax Monday through Friday | 9:00 am to 7:00 pm Saturday and Sunday | 9:00 am to 5:00 pm Scripts Pharmacy Orlando Health – Health Central Hospital 10000 W. Colonial Dr. | Ocoee, FL 34761 (407) 296-1912 | (407) 296-2036 fax Monday through Friday | 9:00 am to 7:00 pm Saturday | 9:00 am to 5:00 pm Sunday | Noon to 5:00 pm Orlando Health Scripts Pharmacies Scripts Pharmacy Orlando Health Heart and Vascular Institute 1222 South Orange Ave. | Orlando, FL 32806 (321) 841-1649 | (321) 843-4694 fax Monday through Friday | 9:00 am to 7:00 pm Scripts Pharmacy Orlando Health Jewett Orthopedic Institute 60 Columbus St. | Orlando, FL 32806 (407) 635-5900 | (321) 843-5578 fax Monday through Thursday | 8:00 am to 5:00 pm Friday | 8:00 am to 2:00 pm Scripts Pharmacy Orlando Health Medical Pavilion – Lake Mary 392 Rinehart Rd., Suite 1400 | Lake Mary, FL 32746 (321) 842-0640 | (321) 842-0641 fax Monday through Friday | 8:30 am to 5:00 pm Scripts Pharmacy Orlando Health South Lake Hospital 1920 Don Wickham Dr., Suite 135 | Clermont, FL 34711 (407) 407-0130 | (407) 407-0134 fax Monday through Friday | 9:00 am to 5:30 pm Scripts Pharmacy Orlando Health Medical Pavilion - Spring Lake 7243 Della Dr., 1st Floor, Suite F | Orlando, FL 32819 (321) 842-0010 | (321) 842-0019 fax Monday through Thursday | 8:30 am to 5:30 pm Friday | 8:30 am to 1:30 pm Scripts Pharmacy – Pick-Up Kiosk Orlando Health St. Cloud Hospital 2906 17th St. | St. Cloud, FL 34769 Sign up to be a Script Center user. (321) 841-8251 Prescription Pick-Up 24/7 Scripts Pharmacy – Pick-Up Kiosk Orlando Health South Seminole Hospital 555 W. State Road 434 | Longwood, FL 32750 Sign up to be a Script Center user. (321) 842-0640 Prescription Pick-Up 24/7 O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 11
Health Savings Account A Health Savings Account (HSA) is a tax-advantaged savings account you can use in conjunction with the HSA Care medical plan. The funds in the account are used to pay for eligible out-of-pocket healthcare expenses such as services applied to the deductible, dental care, vision exams and more. Concerned you might not use all the funds in your HSA account? Don’t worry. An HSA is not a “use-it-or-lose-it” account, and any leftover funds roll over year-to-year. You must re-enroll in the HSA each year. Orlando Health will make matching contributions dollar for dollar of a physician’s contribution up to $700 for physician-only coverage and $1,400 for coverage levels that include dependents. Combined contributions cannot exceed the IRS maximum annual limit. Catch-up contributions of $1,000 are available for physicians who are age 55 or older and not enrolled in Medicare. Eligibility To take advantage of an HSA, you must: • Enroll in the HSA Care Medical Plan • Not be covered by other health insurance, such as another employer sponsored health plan through a spouse, any part of Medicare or TRICARE • Not be claimed as a tax dependent on someone else’s taxes • Your address cannot be a PO Box Contributions and IRS Limits Contribution limits include both your contributions, as well as Orlando Health matching contributions. • Individual $4,150/Family $8,300 • Annual election amount will be a pre-tax deduction per pay period in equal installments throughout the year • A $1,000 minimum account balance is required to invest your assets • Funds in the account belong to you and will be portable upon retirement or termination • For contributions to be deposited into your account, you cannot have any unused funds in a Health Care FSA. Coverage Level Maximum Team Member Contribution Maximum Employer Match Total Physician $3,450 $700 $4,150 Physician + Dependents $6,900 $1,400 $8,300 Catch-up contributions of $1,000 are available for physicians who are age 55 or older 12
Flexible Spending Accounts Flexible Spending Accounts (FSAs) allow you to set aside pre-tax dollars to pay for eligible healthcare. Your annual election is divided evenly over the paychecks for the calendar year. FSAs are “use-it-or-lose-it” benefits, meaning that you must use the money in your account by a certain date or you forfeit the balance. You do not need to participate in an Orlando Health medical, dental, or vision plan to contribute to an FSA. You must re-enroll in the FSA each year. Health Equity provides a variety of ways to access your account, including a debit card. You will need to provide verification of your eligible expense for each transaction, including a copy of an itemized receipt with the incurred date of the expense, type of expense, and the provider’s name. For a listing of eligible FSA expenses, please refer to IRS Publication 502 available at IRS.gov or call (800) TAX-FORM (829-3676). Benefits Healthcare FSA Limited Purpose FSA Who is eligible? Physicians enrolled in Exclusive Care, Care Plus or not enrolled in medical Physicians enrolled in HSA Care. The IRS does not allow physicians to be in the Healthcare FSA and a Health Savings Account (HSA) at the same time The Limited Purpose FSA allows you to participate in both the HSA and an FSA Eligible Expenses Medical copays, deductibles, prescription, drug copays, dental and orthodontic expenses, vision expenses Dental and orthodontic expenses, vision expenses, hearing expenses How much may I contribute? $200 – $3,050 $200 – $3,050 When is the money available? Immediately upon enrollment in the plan year Immediately upon enrollment in the plan year How long is the money available? Dates of service between January 1, 2024 – March 15, 2025 You have until March 31, 2025 to submit claims and request reimbursement 13
Cigna Dental Preferred Provider Organization (DPPO) The two DPPO plans offered are called Preventative and Premier. Both plans are based on Cigna’s DPPO Advantage Network, one of the largest networks in the country. The plans are different regarding the coinsurance level, calendar year deductible, orthodontia coverage and plan maximum. Please refer to the comparison chart below. With the Cigna DPPO, you have the freedom to visit any licensed dentist, but you can save money if you visit a DPPO Advantage Network dentist. Out-of-network dentists can bill you for the difference between the payment they receive from your plan and their full price. Cigna Dental Health Maintenance Organization (DHMO) With the DHMO, physicians select a network general dentist who will handle all their dental care needs. After enrolling in the DHMO, a team member will receive a Patient Charge Schedule (PCS*) that lists the exact payments (copays) needed to be made for specific procedures. The PCS is beneficial because there are no hidden charges — physicians know up front what they will need to pay for their dental care. Note: there is no out-of-network coverage under the DHMO. Dental Plan Comparison *This can be found in Team Member Connect>Benefit Resources>Health Benefits>Dental. Dental Plans At Orlando Health, there’s nothing we love more than seeing you smile. (And we know our patients love it, too.) That’s why we’re pleased to offer three dental plan options through Cigna. Two plans leverage a broad Dental Preferred Provider (PPO) Network, while the other uses a narrower Dental Health Maintenance Organization (HMO) network. Preventative Premier DHMO In-Network Out-of-Network In-Network Out-of-Network In-Network Only Calendar Year Deductible Individual/Family $25/$75 $25/$75 $50/$150 $50/$150 $0/$0 Calendar Year/Max Benefit $500 $500 $1,500 $1,000 None Office Visit Copay $0 $0 $0 $0 $5 Preventive 100% 50% 100% 80% 100% Basic Restorative Care 50%+Ded 50%+Ded 80%+Ded 60%+Ded * Major Restorative Care Not Covered Not Covered 50%+Ded 40%+Ded * Orthodontics Coverage for Children and Adults Not Covered Not Covered 50%, up to lifetime max $1,500 50%, up to lifetime max $1,500 * Tier Preventative Premier DHMO Biweekly Monthly Biweekly Monthly Biweekly Monthly Physician Only $9.51 $20.60 $13.97 $30.26 $7.62 $16.51 Physician + 1 $19.03 $41.23 $26.62 $57.68 $12.61 $27.32 Physician + 2 or More $32.34 $70.07 $46.58 $100.93 $18.66 $40.44 Register at MyCigna.com to view and manage your benefits, download ID cards and find a dentist. If you have questions, please contact Cigna at (800) 244-6224. 14
Vision Plan EyeMed Vision Orlando Health is pleased to offer you vision insurance through EyeMed, one of America’s most trusted vision benefit companies. Register at EyeMed’s member portal at EyeMed.com to view and manage your benefits, explore eligibility status, download ID cards, and find the right provider. If you have questions or need assistance, EyeMed’s Customer Care Center is ready to help. Please contact them at (866) 800-5457. Savings for Members 40% off Additional pairs of glasses and a 15% discount on conventional contact lenses once funded benefit is used — an industry exclusive. 20% off Any item not covered by the plan, including non-prescription sunglasses. Lasik Lasik or PRK from US Laser Network 15% off retail price or 5% off promotional price Hearing Care Through Amplifon Hearing Health Care Network, members receive up to 64% off hearing aids, an extended warranty, free batteries and a low price guarantee. Benefit Member Cost In-Network Out-of-Network (OON) Reimbursement Frequencies Exam: once every calendar year Lenses in lieu of contacts: once every calendar year Frames: once every calendar year Eye Exam $15 copay Up to $35 Retinal Imaging Up to $39 N/A Standard Contact Lens Fit and Follow Up Up to $40 N/A Premium Contact Lens Fit and Follow Up 10% off retail N/A Frame Allowance $0 copay; 20% off balance over $150 allowance Up to $60 Lenses Single vision $10 copay Up to $25 Bifocal $10 copay Up to $40 Trifocal $10 copay Up to $60 Lenticular $10 copay Up to $60 Progressive standard $10 copay Up to $60 Progressive premium tiers 1–3 $10–$55 copay Up to $60 Progressive premium tier 4 $10 copay; 20% off retail price less $120 allowance Up to $60 Lens Options Tint $15 N/A UV $15 N/A Scratch $15 N/A Polycarbonate $0 Up to $20 Standard anti-reflective $45 N/A Photochromic $0 Up to $38 Other add-ons 20% off retail price N/A Premium AR (tiers 1 and 2) $57–$68 N/A Contact Lenses Conventional $0 copay; 15% off balance over $150 allowance Up to $150 Disposable $0 copay; 100% of balance over $150 allowance Up to $150 Medically necessary $0 copay; paid-in-full Up to $210 Network INSIGHT Vision Plan Deductions Coverage Tier Physician Vision Biweekly Vision Monthly Physician Only $5.28 $11.43 Physician + 1 $10.19 $22.07 Physician + 2 or More $14.14 $30.64 O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 15
Life Insurance That’s why we offer Life Insurance and Accidental Death and Dismemberment (AD and D) coverage. You are eligible to participate in the Orlando Health Basic and Supplemental Life plans if you are a regular full-time, variable full-time, or part-time team member. Basic Life and AD and D Orlando Health pays the full cost of this coverage. All regular fulltime, variable full-time and part-time physicians are automatically enrolled. Your life insurance benefit is based on the following: • For regular full-time physicians: your annual base pay based on 40 hours per week in the system • For variable full-time and part-time physicians: your annual base pay based on your weekly standard hours in the system If you elect the Physician Benefit Plan through One Digital (outlined on the next page) this benefit reduces to $50,000. You must pay federal income tax on the value of any Orlando Health Basic Life Insurance coverage over $50,000. This value is called “imputed income” and is included on your paycheck and on your W-2 form at the end of the year. Basic Life coverage cannot exceed $2,000,000, with Evidence of Insurability required for coverage over $1,000,000. Supplemental Life Coverage You pay the full cost of this additional coverage. You can purchase Supplemental Life Insurance coverage (rounded to the next higher $1,000) in the amount of one to five times your annual base pay. Amounts above three times your annual base pay or over $1,000,000 require evidence of insurability. Supplemental Life coverage cannot exceed $2,000,000. Don’t Forget You must add your beneficiaries to the Basic Life Insurance in Team Member Connect. Your designation will apply to the Basic and the Supplemental Life Insurance. You are automatically the beneficiary for all Dependent Life Insurance you select. Costs The cost for Supplemental Life Insurance coverage is based on your age, annual base pay, the amount of coverage and whether or not you are a tobacco user. (You qualify as a non-tobacco user if you have not used tobacco for the last 12 consecutive months.) Your payroll deduction will change mid-year with salary and annually with age-band changes. Evidence of Insurability (EOI) Under certain circumstances, an Evidence of Insurability (EOI) may be required to obtain approval for Basic, Supplemental or Spouse Life Insurance coverage. If needed, EOI forms will be sent to you directly from the life insurance carrier for the following reasons: • If you are electing four or five times your annual base pay for Supplemental Life Insurance, amounts over $1,000,000, Basic Life over $1,000,000, Spouse Life over $50,000 or increasing coverage during open enrollment. • In the event you must complete EOI, be sure to complete all tasks in a timely manner to avoid delayed coverage Dependent Life Insurance You may also enroll your spouse and dependent children for life insurance coverage. You pay for the coverage with after-tax dollars from your pay. When you receive it, the life insurance benefit is not taxable. You may enroll your spouse up to $100,000 and dependent children up to $40,000 for Life Insurance coverage. Children between the ages of birth to 14 days are eligible for $10,000 in coverage. All eligible dependent children are eligible for one combined payroll deduction. If your spouse and/or child works for Orlando Health, they are not an eligible dependent for the Dependent Life Insurance. If both parents are employed at Orlando Health, only one parent may cover the child(ren). It’s important to protect those who depend on you, should something unexpected happen. 16
What Is This? What Does This Mean To Me? Salary Continuation Through Short-Term Disability Coverage One of your greatest assets is the ability to go to work each day and get paid for your passion. Short-term disability insurance is a program that replaces your gross income for a short period. If you’re unable to work due to a disability, you’ll receive 100 percent of your salary for the first 180 days of disability. Benefits begin after a 7-calendar day waiting period and then your salary will continue uninterrupted for the first six months of disability leave. This coverage also includes a maternity benefit which includes six weeks for normal delivery and eight weeks for a Caesarian section. Long-Term Disability Income Protection Insurance If your short-term disability coverage runs out and you’re not able to return to work, you would need to rely on long-term disability. This is critical since some disabilities last for years or can be permanent. Longterm coverage kicks in after you’ve been out of work for an extended period of time (more than 180 days). Long-term disability coverage, issued by The Standard Insurance Company, provides up to 75 percent of your salary with a maximum monthly benefit of $25,000. The policy includes a specialty-specific, own occupation definition of disability which means the coverage is based on your ability to continue working at your occupation at the time of disability, rather than any occupation. In addition, the policy includes long-term mental health coverage, enhanced residual benefit, 3 percent cost of living adjustment, and a family care rider. The policy is individually-owned by you, which means it is portable. In addition, the policy is noncancelable, guaranteed renewable, and includes maximum discounts. Cash Value Life Insurance This is a permanent, portable life insurance policy which provides coverage both pre and postretirement. This policy also provides an additional opportunity for tax-deferred capital accumulation. This cash value life insurance is a Split Dollar, Variable Universal Life policy issued by Equitable. The face amount of the policy is based on your current income, with a maximum death benefit of $1.2 million. While you’re employed at Orlando Health, we’ll advance the premium payments for up to 10 years. Should you leave Orlando Health, and after meeting certain requirements, ownership of the policy and any remaining cash value would transfer to you. Physician Benefit Plan A supplemental offering. For over 25 years, Orlando Health has recognized that physicians have unique needs in the areas of life insurance and disability income protection. With that in mind, we set out to offer a plan that provides best-in-class benefits you can’t otherwise find in the retail market. Today, we proudly offer one of the best hospital-based physician benefit programs in the country. This cost-effective plan offers three components to protect your financial security: salary continuation, long-term disability income protection and a cash value life insurance policy. If you choose to enroll in the Physician Benefit Plan within 60 days of your start date with Orlando Health, the policies are issued on a guaranteed basis, meaning no medical exam requirement or pre-existing condition exclusions to coverage. OneDigital, our plan administrator, will reach out to you via email to set up a 30-minute, one-on-one meeting (either in person or virtual) to review your specific disability and life insurance offerings and associated costs. Questions? Please reach out to OneDigital directly at (407) 841-2480 or email [email protected]. O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 17
Leave of Absence and Personal Time Away Even when you can’t be here with us, we’re here for you. At Orlando Health, we know that team members are sometimes unable to work due to an ongoing illness or other circumstances. We hope that never happens to you, but if it does, know that we have options to help. Personal Time Away (PTA) We know the flexibility to take time off work is important to your well-being. That’s why Orlando Health offers Personal Time Away which gives you time off. Your leader is your best resource to assist you with your PTA benefit and terms of your employment contract. The PTA benefit renews annually and does not carry over into subsequent fiscal years. Leave of Absence If you need to take a Leave of Absence (LOA) contact our leave administrator, New York Life (NYL). They will review your leave request to determine what type of leave you may be eligible for, such as a Family Medical Leave. A leave of absence may also have income protection benefits available, such as short-term and long-term disability, if enrolled. 18
Family Care Benefits Life happens. So we created benefits for that. Orlando Health is committed to supporting our physicians as they care for their families. Whether something unexpected happens or you’re going back to work after the birth or adoption of a child, we’re here for you. Visit Clients.BrightHorizons.com/OrlandoHealth and use the Employer Username: Orlando and Password: Benefits4you. You can also download the Bright Horizons App. Search “back-up care” in the App Store or Google Play. Any questions? Call Bright Horizons at (877) BH-CARES (242-2737). For your Directory ID, use your network login ID, such as Z12345Z. Back-Up Child Care When there’s a school closure, your child is sick or your nanny cancels, Bright Horizons can assist you with skilled and trusted care in your home or at a designated back-up center designed for working parents just like you. Physicians are responsible for a small copay to help cover the costs of back-up care, but Orlando Health covers most — helping you focus on your family, not your wallet. Center-based back-up care at a dedicated back-up center requires a $10 daily copay for one child or $15 copay for the whole family. In-home care is only $4 per hour copay, up to 10 hours. Back-Up Elder Care When your loved one needs temporary support with the activities of daily living, it can be hard to balance your responsibilities between home and work. With nationwide coverage and partner agencies that are all vetted, on-boarded and trained through Bright Horizons, you can count on skilled, compassionate, and affordable help. Back-up elder care can be provided in-home for just $4 per hour copay, up to 10 hours. Back-Up Pet Care Through Bright Horizons back-up program, Orlando Health offers pet care options. Pet care may include, dog walking, dog sitting, pet boarding, drop-in visits and house sitting. Benefits eligible physicians may search for pet care providers through the online Pet Care Platform, powered by Rover.com. Virtual Tutoring Orlando Health has partnered with Bright Horizons to provide your child (ages 5-18) help in reading, math, science, social studies and more than 300 other subjects, as well as targeted support with a math or reading expert who can identify areas of opportunity to help your child excel. The program is also open to adult learners who are preparing for graduate school or additional licenses/ courses. A back-up care day can be exchanged for four hours of virtual tutoring with a cost of $10. Reserve by submitting a tutoring request through the back-up care site and then schedule the days and times that work best for your family. Eligible physicians get up to 10 days per calendar year to use for back-up child care, elder care, pet care or virtual tutoring. O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 19
Orlando Health is proud to offer benefits-eligible physicians four weeks of paid parental leave for the birth or adoption of a child occurring on or after January 1, 2024. We value the importance of the child bonding experience for parents, so this leave will cover benefits-eligible physicians on maternity and paternity leave for eligible births or adoptions. Paid parental leave is equal to 100% of a physician’s base salary at the time of the leave and must be used within 12 months of the birth or adoption in a single block of time. Parental leave will be paid to physicians after any applicable short-term disability or salary continuation benefits are exhausted. To apply for this leave, contact our leave administrator New York Life (NYL) at (888) 842-4462. Partnership with Sittercity Through our membership with Sittercity, you’ll have access to providers who can help meet your family where they are. Whether you need tutoring, pet-sitting or house-cleaning services, we’re here to help connect you to discounted and reliable resources. To get started with Sittercity, visit Sittercity.com/OrlandoHealth. Fertility Benefits Through our medical and prescription drug program, Orlando Health provides coverage for fertility medication therapy, in-vitro fertilization, and other medical services, up to the $25,000 lifetime maximum. Please contact UMR at (844) 614-8435 for more details about covered services. Optum Specialty Pharmacy offers discounted rates for those who have reached the plan maximum. Call (877) 358-9016 for details. Adoption Assistance Now that you are a part of our family, we’d love to help yours grow. Orlando Health will contribute up to $15,000 per child toward eligible adoption expenses including adoption fees, court costs, attorney fees, travel expenses (meals and lodging) and other expenses related to legal adoption. For more details, refer to the Adoption Assistance Policy. ALEX Medicare Navigating Medicare can be an overwhelming task for many Medicare-eligible physicians and their loved ones. It’s a complex system with different coverage options, which many find difficult to make informed decisions. ALEX Medicare is an interactive tool stacked with text, video and engaging visuals that make Medicare easy to understand. To find out more, visit Medicare.MyAlex.com/OrlandoHealth. Paid Parental Leave 20
Wealth Management Services Let’s Get Retirement Ready No matter how much you love your career, you likely still dream about retirement. Experts recommend saving 10-15% of your income in a retirement account annually. This is made up of both your contributions and money from Orlando Health. Help Is Always Available Financial planning may seem overwhelming. Fortunately, Orlando Health has financial service representatives available to personally meet with you and provide assistance in the following areas: • Enrolling in the plan and selecting your investments • Taking a loan or hardship withdrawal from the plan • Rolling over an existing qualified plan into the Retirement Savings Plan To schedule an appointment with a Financial Service Representative, please contact Fidelity at (800) 642-7131. Please refer to the Retirement Savings Plan Summary for plan details. This can be found in Team Member Connect>Benefit Resources>Benefits Compliance Documents. Here Is How the Match Works: Team Member % Orlando Health Match % Total 2% 2% 4% 4% 3% 7% 6% 4% 10% 8% 5% 13% 10% with less than 10 years of service 5% 15% 10% with more than 10 years of service 6% 16% Auto Enrollment All eligible team members are immediately set up with a 2% auto enrollment into the Retirement Savings Plan, which automatically increases each year by 1%, up to 8%. This increase occurs on the team member’s date-of-hire anniversary. Team members can opt out of auto enrollment at any time by contacting Fidelity at NetBenefits.com or (800) 343-0860. You may make pre-tax or Roth post-tax contributions up to 50% of your pay. The IRS annual limit is $23,000 for 2024 and may be indexed annually. Catch-Up Contributions If you are 50 or older you may contribute an additional $7,500 for a maximum of $30,500 for 2024, which may be indexed annually. You may make changes to your contributions at any time during the year. Vesting Vesting means ownership of the money in your retirement account. You are always 100% vested in your contributions, including any earnings. You are 100% vested in Orlando Health’s contributions after three years of service with 1,000 hours or more each year. Matching Contributions: It’s Free Money. Orlando Health will match dollar for dollar on the first 2% you contribute to your account each pay period. After that, Orlando Health will match $0.50 for every $1, up to 8% of eligible earnings or up to 10% for team members with 10+ years of service. The Orlando Health match will be made on both pre-tax and Roth contributions, up to applicable limits. Non-Qualified Deferred Compensation 457(b) Plan For physicians who desire additional savings on a pre-tax basis, in excess of the Orlando Health retirement plan (403(b)), we offer a Non-Qualified Deferred Compensation Plan. This plan allows Orlando Health physicians to defer up to an additional $2,500 per year. This is in addition to the 403(b) Retirement Savings Plan. O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 21
Well-Being Program Orlando Health is proud to offer a multi-faceted Well-Being Program to surround you with support: To learn more about the Well-Being Program, please visit SWIFT>Menu>Human Resources>Your Well-Being. TELUS Health (formerly LifeWorks) We know life and work can be challenging, and we’re here to help. Orlando Health is pleased to offer well-being services and support for our physicians through our selected partner, TELUS Health. The TELUS Health Well-Being Program offers physicians and their families free 24/7 access to work-life counseling, coaching and wellness services. Earn up to $500 annually which includes assessment, habitudes, snackable, challenges and more for physicians enrolled in our medical plan! Employee Assistance Program (EAP): Get confidential, 24/7 access to counselors and coaches for personal, family or work issues. CareNow Programs: Discover self-directed digital programs to help you develop positive coping strategies in dealing with life’s challenges, including stress, anxiety, depression and divorce. Life Coaching: Offering powerful and dynamic professional relationships, a life coach can help you achieve identified goals by acknowledging barriers, developing a strategic approach and providing accountability. Additional TELUS Health Services: • Childcare provider search and referral • Mindfulness Program • Work-Life solutions • Legal resources, including will preparation • Parenting resources • Guidance on financial issues, like budgeting, home buying, and tax planning • Everyday guidance on home remodeling and repair, car buying, and pet care Physical Well-Being Active and Fit: All Orlando Health physicians – no matter their location, position, or benefit eligibility — now have access to Active & Fit Direct™ through a partnership with Orlando Health. Active & Fit Direct provides physicians with 2,500+ on-demand workout videos, access to 11,000+ fitness centers, and more for a low cost per month with no long-term contracts. You can also sign up your spouse or domestic partner too. Visit SWIFT or email [email protected] Real Appeal Weight Loss Program: This free program is for all physicians, spouses, and dependents on the Orlando Health medical plan. This online weight loss program provides virtual weekly coaching, online tools, and a success kit delivered directly to your home. The success kit includes everything you need to start your journey including a body weight scale, food scale, portioncontrol plate, recipe book, exercise DVDs and more! Start your transformation with Real Appeal at Enroll.RealAppeal.com. Visit One.TelusHealth.com Use your Orlando Health email address to log in. Call (855) 395-1072 Scan here to get the TELUS Health app. 22
Physician Wellness and Resilience Program For most physicians, caring for patients is more than a job: It is a passion, a commitment, and a calling. The Physician Wellness and Resilience Program was created by physicians for physicians to address the unique needs of clinicians. As a clinician you already have spent years in training developing the knowledge and experience to be able to provide exceptional care to patients and their families, be part of something bigger than yourself, and to contribute to the advancement of the field. The care of patients requires enormous commitment, constant selflessness, compassion, the ability to navigate high stress environments, and effectively lead teams. The joy and fulfillment experienced from treating people at their most vulnerable times and impacting the trajectory of a patient’s health is rewarding and priceless. This propels you to continue dedicating yourself and focus on the needs of others. Over the course of years and decades, this can take a toll on you and your family’s needs, it can impact your vulnerability to experience burnout, and it can negatively affect wellness and reduce resilience. The Physician Wellness and Resilience Program reminds you that while breaking away from your duties, roles and responsibilities can be exceedingly difficult, it is critical to helping you stay refreshed, recharged and at the top of your practice. We offer resources to support our physicians by discovering the benefits of integrating your personal and professional life in a manner that continues to optimize your practice and enhance personal wellness. Some stressors and burnout are within our control, but often many are out of our control and cannot be avoided. Our programs can help you learn protective techniques to mitigate the stressors that are inherent to the profession. Support and Educational Resources The programs emphasize evidence-based support, education and empowerment. • Performance Training and Coaching • Mentoring and Professional Connections • Group Forums, Seminars and Grand Rounds • Interactive Website • Local and International Volunteer Opportunities Aurelio Duran, MD, FACC Co-Director Orlando Health Physician Wellness and Resilience Program Our greatest desire is for our medical community to be a thriving community; one where everyone feels a sense of belonging, empowerment and fulfillment. Scan here for more information on the Physician Wellness and Resilience Program. You can also reach us on your Orlando Health computer desktop by clicking on this icon. 23
Benefits That Go Beyond the Expected Everyone knows that a career in healthcare is a calling that requires commitment. At Orlando Health, we are committed to you. Daily, we are creating new programs to serve you, identifying opportunities to celebrate our culture and introducing new offerings to be your best place to work. How We Invest In You Enhanced Respite Rooms Take a break and recharge in a calming environment designed specifically for you. Physicians can relax in a massage chair, listen to calming music and enjoy aromatherapy in our enhanced respite rooms, currently available at select facilities. Orlando Health Way Scholarship Family and dependents can apply for one of our continuing education scholarships, up to $5,000, to one of our education partner schools. Grab and Go Meals We know your time is valuable, so let Orlando Health take care of your dinner planning, prepping and cooking. Purchase discounted family-style, prepared meals at facility cafeterias. Pet Therapy We know that pet therapy can lift the spirits of our patients. We believe it does the same for our team. Leaders can request visits from our furry friends for their areas. Orlando Health Eats Everything is better with food – especially from the Orlando Health food truck. Our truck rotates between our facilities and community events and serves seasonal menus created by Orlando Health’s head chef and culinary team. Physicians even receive a discount. 24
New this year. Support our physicians, patients and community through this voluntary giving opportunity. The Orlando Health Foundation exists to advance the technologies, programs and healing environments within our hospitals, so we can better care for our patients and for our physicians. Giving Back Physicians at Orlando Health have a long history of giving back to their communities and supporting their fellow physicians. Physicians can give by entering their selection in Team Member Connect. All donations will go to support the area of greatest need at Orlando Health. Physicians who participate in Team Member Giving help further the mission of Orlando Health by helping equip our care teams with the resources, equipment and technologies to best care for the individuals and communities we serve. Ease and Benefits of Giving • Payroll deduction • Credit card or cash donations • Eligible to win quarterly prize drawings and Orlando Health branded items • Support your fellow physicians and further Orlando Health’s mission A Best Place to Give Orlando Health is a Best Place to Give. Through the generosity of our physicians, we are able to provide life- changing programs and technologies and enhance healing environments. It is through philanthropy that we continue to grow, provide support for our physicians, and further the mission of Orlando Health. Have Questions? Contact: [email protected] or by phone at (321) 843-8642. • Team Member Garden • Team Member Support Fund • CT Scanners • Pet Therapy • Portable Ultrasound • Air Care Program • Neonatal Intensive Care Unit (NICU) • da Vinci Surgical Robots Philanthropy has helped support: Get Involved To learn more about this benefit, please visit Swift > Team Member Connect > Your Benefits > Team Member Giving Form Team Member Giving O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 25
Additional Benefits and Discounts Discounts Orlando Health’s Physician Discount Program by PerkSpot is a one-stop-shop for thousands of exclusive discounts in more than 25 different categories. That means there’s something for everyone. Visit OrlandoHealth.com/For-Team-Members, Team Member Discounts, for more information. Choice Auto Insurance Orlando Health offers you access to a program designed to make shopping for auto insurance easier than ever. In minutes, you can compare coverage, rates and discounts from some of America’s top-rated insurance companies. To get a quote and/or enroll, call (855) 589-0565 or visit VoluntaryBenefits-OrlandoHealth.com. Accident Insurance Aflac Group Accident Insurance pays cash benefits to you (unless otherwise assigned) that can be used toward medical expenses or everyday bills — like rent or mortgage, utilities, and groceries — to help you stay up to speed while recovering from a covered accident that is non-work-related. This benefit kicks in regardless of an existing employer-sponsored healthcare benefit, and there are no limits on the number of claims a certificate holder can file. Group Accident Insurance includes a wide range of benefit coverage with more than 50 covered events. Hospital Indemnity Insurance Aflac Group Hospital Indemnity provides financial assistance where major medical insurance doesn’t cover all of your bills. Even a minor trip to the hospital can present you with unexpected expenses and medical bills. The plan includes a hospital confinement, hospital admission, and hospital intensive care benefit. Critical Illness Benefits Group Critical Illness is a valuable voluntary insurance available through Aflac, which helps to insure some of the risk and pay for expenses you may incur if you are diagnosed with a covered critical illness. Benefits are paid directly to you (unless otherwise assigned) as a nontaxable lump-sum benefit. You choose level of coverage with benefit amounts of $10,000, $20,000, or $30,000. Pet Insurance Some members of your family may have fur or feathers, but that doesn’t mean they don’t need insurance. That’s why we’re excited to offer a benefit for all your pets as well. As an Orlando Health team member, you can elect employee group discounted pet health insurance for your dog(s), cat(s), exotic or avian pet through payroll deduction with Nationwide Pet Insurance. Nationwide’s pet health insurance plans give you the freedom to use any vet, anywhere, including specialists and emergency providers. Discount pricing is available for up to five additional pets. Coverage, pricing, and other details – as well as the ability to enroll – can be found on Team Member Connect. To obtain pricing for other pets, please contact Nationwide directly at (800) 540-2016. 26
Orlando Health Pathways Orlando Health is proud to partner with Heart of Florida United Way to offer a one-of-a-kind, in-house program that offers customized plans and one-on-one coaching to help physicians achieve their financial goals. Pathways coaches will identify and recommend Orlando Health and community resources to assist physicians on their journey to financial stability. Whether you want to build your emergency fund, save to buy a house, overcome a financial crisis or anything in between, this program is for you! To schedule an appointment with a Pathways coach, contact [email protected]. Team Member Support Fund The Team Member Support Fund (TMSF) is provided to help Orlando Health physicians who face a sudden financial catastrophe or are unable to meet basic living expenses due to a misfortune. Financial counseling may be required to assess your actual monetary needs and to help however possible in the ultimate solution to the problem. The Team Member Support Fund is managed by Orlando Health Pathways. Contact [email protected] for more information. Orlando Health Team Member Pantry Orlando Health understands that sometimes physicians may need additional support when unexpected challenges arise. In partnership with the Simple Truth Foundation, the Orlando Health Team Member Pantry provides qualifying physicians with access to affordable, quality food during a time when extra assistance is needed. To apply, please visit Your Best Place to Work Hub on SWIFT or email [email protected]. 27
Public Service Loan Forgiveness (PSLF) As a tax-exempt, not-for-profit organization, employment at Orlando Health could qualify physicians to receive forgiveness for a portion of their student loans. For information on qualification and how to apply, visit studentaid.gov/manage-loans/forgivenesscancellation/public-service. Tuition Reimbursement We also offer a Tuition Reimbursement Program, for physicians interested in pursuing Master’s and Doctorate degrees. The program reimburses your tuition expense, up to $5,000 per year for full-time and variable full-time and $2,500 for part-time. Through our partner at EdAssist, Orlando Health has access to an expansive list of accredited schools offering in-person and online programs — many with tuition discounts and even deferred payment options. Continuing Medical Education Orlando Health values you and is proud to support your Continuing Medical Education (CME). Our standard benefit includes an annual stipend of $5,000 (net amount after taxes) with five days of paid time off each year to attend educational events. Our goal is to provide you with a hassle-free experience while allowing you flexibility to navigate your own way through CME options. Education Assistance Programs For additional information, please view the Education Assistance Policy, 5916-1009. You can visit OrlandoHealth.EDAssist.com and click “Contact Us” from the left menu. You can also use the Live Chat feature on the EdAssist portal or call the Contact Center at (833) 890-3226. 28
Please review the benefit plans below and indicate which plan you’d like to enroll in. Once you are ready to enroll online, use this reference as an easy and efficient way to complete your enrollment within Team Member Connect. When your online enrollment is complete in Team Member Connect, please click on the Save & Continue and Finalize Elections buttons to submit your enrollment elections. Pre-Enrollment Worksheet Medical Health Savings Account (HSA) Exclusive Care Care Plus HSA Care Primary Care Physician ID: ____________________________ Team Member (TM) Only TM + Spouse TM + Child(ren) Full Family Annual Election Amount: $________________________ Can be selected with the HSA Care Medical Plan Limited Purpose - Flexible Spending Account Flexible Spending Account - Health Annual Election Amount: $____________________ Can be selected with the HSA Care Medical Plan Annual Election Amount: $____________________ Can be selected with the Exclusive or Care Plus Medical Plans Dental Vision Preventative Premier Dental DHMO Physician Only Physician + 1 Physician + 2 Vision Plan Physician Only Physician + 1 Physician + 2 Accident Insurance Hospital Indemnity Accident Insurance Physician Only Physician + Spouse Physician + Child(ren) Full Family Hospital Indemnity Physician Only Physician + Spouse Physician + Child(ren) Full Family Critical Illness Insurance Basic Life Insurance Physician Only Physician + Spouse Physician + Child(ren) Full Family Select your beneficiaries Allocate percentage to beneficiaries Supplemental Life Insurance Spouse Life Insurance 1x salary 2x salary 3x salary 4x salary 5x salary Election Amount:________________________ $10,000 increments, up to $100,000 Child Life Insurance Short-Term Disability $5,000 $10,000 $20,000 $30,000 $40,000 15-day 30-day 60-day $10,000 $20,000 $30,000 O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 29
Benefits Contact Information Page When You Have Questions About Contact Website Contact Number Benefits HR Solutions Center TeamMemberConnect.OrlandoHealth.com Visit SWIFT>Human Resources>Your Benefits (321) 841-8623 5 Dependent Verification Mercer/Aptia https://dependentverification.mercer.com/ orlando/client/default.aspx (855) 978-2122 6-8 Medical Plan, Provider Network, Pre-Certification and Appeals UMR UMR.com/OrlandoHealth (844) 614-8435 9-11 Prescriptions OptumRX UMR.com (877) 559-2955 12 Health Savings Account (HSA) Health Equity My.HealthEquity.com (866) 960-8055 13 Flexible Spending Account (FSA) Health Equity Participant.WageWorks.com (877) 924-3967 14 Dental Plan Cigna MyCigna.com (800) 244-6224 15 Vision Plan EyeMed EyeMed.com (866) 268-4063 16 Life Insurance New York Life (NYL) MyNYLgbs.com (888) 842-4462 18 Request for Leave of Absence New York Life (NYL) MyNYLgbs.com (888) 842-4462 19 Back-up Child Care/Elder Care/Pet Care Bright Horizons Clients.BrightHorizons.com/OrlandoHealth (877) BH-CARES (242-2737) 20 Paid Parental Leave New York Life (NYL) MyNYLgbs.com (888) 842-4462 21 Retirement Savings Plan (RSP) Fidelity Investments NetBenefits.com (800) 343-0860 22 Employee Assistance Program and Well-Being Program TELUS Health One.TelusHealth.com (855) 395-1072 26 Accident, Hospital Indemnity, and Critical Illness Aflac AflacGroupInsurance.com (407) 452-5049 or (800) 433-3036 26 Pet Insurance Nationwide VoluntaryBenefits-OrlandoHealth.com (800) 540-2016 26 Auto Insurance Mercer VoluntaryBenefits-OrlandoHealth.com (855) 589-0565 28 Education Assistance Programs EdAssist OrlandoHealth.EdAssist.com (833) 890-3226 COBRA – WageWorks WageWorks MyBenefits.WageWorks.com (877) 722-2667 30
Nếu quý vị nói tiếng Việt, có các dịch vụ hỗ trợ ngôn ngữ miễn phí dành cho quý vị. Se você fala português, encontram-se disponíveis serviços de tradução gratuitos. Lique para 說 漢 語 .(8771-955-800-1: TTY (8623-841-321-1 مقرلاب لصتا .اًناجم كل ةحاتم ةيوغللا ةدعاسملا تامدخ نإف ،ةيبرعلا ةغللا ثدحتت تنك اذإ :ةظحالم સ ૂચના: જો તમ ે ગ ુજરાતી બોલતા હોય, તો મફત ભાષા સ ેવા સહાય તમારા માટ ે ઉપલબ્ધ છ ે. આ ન ંબર પર ફોન કરો หมายเหตุ: หากคุณพ ูดภาษาไทย คุณสามารถขอความช่วยเหล ือในการแปลภาษาได้ฟร ี โทร 1-321-841-8623 (ผ ู้ท ี่ม ีความบกพร่องทางการได้ย ิน โทร 1-800-955-8771) O R L A N D O H E A LT H P H YS I C I A N B E N E F I TS 31 Disclosures Orlando Health complies with applicable state and federal civil rights laws and does not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity, ancestry, place of birth, age or physical or mental condition.
About This Guide This guide describes the benefit plans and policies available to you as a physician of Orlando Health. The details of these plans and policies are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. It does not contain all of the details that are included in your Summary Plan Descriptions (as required by ERISA) found in your other team member benefit materials on Team Member Connect - Benefits Resources. If there is ever a question about one of these plans and policies, or if there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern. To learn more, visit OrlandoHealth.com 1414 Kuhl Ave. Orlando, FL 32806 (321) 841-8623 BGD 122300 2/24 ©2024 Orlando Health, Inc. O R L A N D O H E A LT H M E D I CA L G RO U P BENEFITS