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Employment Benefits
In the tradition of caring displayed by the Sisters of Mercy, Mercy
Medical Center offers a comprehensive benefits package to both full
time and part time employees. Many of Mercy's benefits are provided
on a pre-tax basis, which will help reduce income taxes and increase
your take home pay. Most of Mercy's insurance plans become effective
the first of the month following 30 days of employment.
Medical
Provided by CareFirst
Mercy offers three health insurance options:
- CareFirst BC/BS EPO Plan (In-Network Only PPO)
- Preferred Provider Organization (PPO) in-network only plan
- You must utilize PPO providers in order to have benefits paid under this plan. There is no out-of-network coverage.
- No need to select a Primary Care Physician (PCP) or to obtain referrals before receiving care
- Prescription Drug Benefits
- Vision Coverage
- Blue Choice Plan
- All care coordinated through your Primary Care Physician
(PCP) utilizing the Blue Choice Network
- Low Copays
- Prescription Drug Benefits
- Vision Coverage
- Blue Choice Mercy HMO 80/20 Plan
- All care coordinated through your Primary Care Physician
(PCP) utilizing the Blue Choice Network
- 20% Coinsurance (after meeting deductible), unless services
performed at Mercy
- Prescription Drug Benefits
- Vision Coverage
- Mercy Dollars
This program allows employees earning a certain hourly rate to
receive a $6 credit per pay off of their health insurance cost.
This results in over $150 in savings per year!
For information regarding covered providers, please go to www.carefirst.com
and click on the Find a Doctor link.
Dental
Mercy offers two dental plans through CareFirst
BlueCross BlueShield
- BC/BS Traditional Plan
- Deductible: $75 Individual/$150 Family
- Chose from a large network of dentists
- Preferred Provider Organization (PPO)
- Deductible: $50 Individual/$100 Family
- Both plans cover:
- Diagnostic & Preventive Services (oral exam, x-rays)
- General Services (fillings, root canals)
- Major Services (bridges, crowns)
- Orthodontics ($1,250 max)
Life Insurance
Mercy provides Basic Life insurance and the ability to purchase additional
coverage.
- Basic Life Insurance
- 2 times annual salary (up to maximum of $50,000)
- Spouse covered for $2,000
- Children covered for $1,000
- Employee Optional Term Life Insurance
- You may purchase additional life insurance in increments of $10,000 subject to a maximum of five times your salary or $450,000, whichever is less
- Spousal Optional Term Life Insurance
- May be purchased in increments of $5,000 subject to a maximum of $250,000 or 50% of the amount of employee optional life elected
- Dependent Optional Term Life Insurance
- May be purchased in increments of $2,500 up to a maximum of $10,000 (for dependent children from 6 months to age 19)
Long Term Disability
Mercy provides full-time employees with Long Term Disability benefits
at no cost. LTD Benefits begin on the 180th day of continuous disability
and provide employees with the lesser amount of 60% of their monthly
salary or $9,000 per month.
Voluntary Income Protection
Employees may elect to replace their income for a period of disability
should they need to maintain their income before Long Term Disability
is effective. This program is fully employee-paid. Costs vary based upon age and replacement salary but will not increase after enrollment.
Retirement Plans
Provided by Fidelity Investments
Mercy offers a 401(k) Plan through Fidelity Investments.
- Employees may contribute up to 100% of their income on a pre-tax
basis up to the IRS maximum limit. Some employees over age 50 may be eligible for a catch-up
provision.
- After 1 year of service, employees may be eligible for an Employer
Match.
In addition Mercy offers a 457(b) Plan through Fidelity Investments.
- Employees may contribute up to 100% of their income on a pre-tax
basis up to the IRS maximum limit.
- Employees will not receive a match on the deferrals on this
plan.
- Loans are not available under this plan.
Flexible Spending Accounts
Provided by CBIZ
Mercy offers both Health Care and Dependent Care Accounts. Employees
can set aside up to $5,000 per year on a pre-tax basis to pay for
eligible health care or dependent care expenses. We make reimbursement
easy. You can use your FSA Debit card to pay your copays and coinsurance
at any physician or dental office, pharmacies or vision service locations
that accept the debit card. Therefore, you can take advantage of your
pre-tax account without the traditional hassle of claims forms (you
may chose to submit claims forms if you wish). In addition you may
have your return direct deposited into an account of your choice.
Tuition Reimbursement
This
program is available to most regular status employees who are regularly
scheduled and budgeted in at least a .4 FTE position or above. Grant funded employees are not
eligible to participate in this program. Employees who choose to take
advantage of this program must be enrolled in a continuous course
of study and the course of study must have a direct relationship to
one's job or to a hospital related occupation. Employees may choose
where they enroll and how many credits they take each semester.
Tuition Reimbursement will be based on the employee's budgeted hours.
Reimbursement is made based on the cost of the actual tuition expense
and does not apply to fees, books, etc. Please see the schedule below
for a schedule of how the benefits will be paid out:
80 hours per pay or 1.0= 100%
72 hours per pay or .9= 100%
64 hours per pay or .8= 80%
56 hours per pay or .7= 70%
48 hours per pay or .6= 60%
40 hours per pay or .5= 50%
32 hours per pay or .4= 40%
*Reimbursement will take place based upon the successful completion
of the approved course of study and the employee's submission on the
tuition application, tuition receipt and grade report. Your application
must be approved before you start classes to be eligible for reimbursement.
For more information regarding this program please contact Human Resources
at (410) 332-9158.
- Employees may be eligible after 12 months of employment
- Employees making a certain hourly rate are eligible to have
their tuition prepaid
- You may enroll in any accredited school
- You may take job-related and/or hospital related courses
- A two-year commitment following completion of studies is required
upon enrollment in the program
Voluntary Benefits
Provided by Select Benefits Communications Group
Mercy offers a number of voluntary benefit programs. All premiums
from the below products are packaged into one convenient payroll
deduction.
- Accident Insurance
- Critical Illness Insurance
- Group Legal Plan
- Hospital Indemnity Insurance
- Long Term Care Insurance
- Short Term Disability Insurance
- Universal Life Insurance
- Auto and Homeowner's Insurance
Additional Benefits
- Paid Time Off (Vacation, Sick and Holiday)
- Wellness Credit
- Mercy Dollars Credit
- Direct Deposit
- Employee Assistance Program
- Mercy Counseling Center
- Continuing Education
- CPR Training
- Adoption Assistance
- Housing Assistance
- On-site Credit Union
- On-site Dry Cleaning
Benefits questions, please call: 410-332-9158
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