When it comes to health and health care, better living means having support to stay well and protection against the high cost of care when you need it most. Your Baptist medical plan provides both. In addition to covering a wide variety of health care services, your plan is a resource for healthy living. You will be able to choose between two medical plan options administered by BlueCross:

• The BlueCross Consumer-Driven Health Plan (CDHP). The CDHP combines traditional medical coverage with a tax-favored savings account (the Health Savings Account) you can use to pay out-of-pocket medical expenses.
• The BlueCross 80/20 Plan. With the BlueCross 80/20 Plan, you meet a calendar year deductible, pay a flat fee (copay) for certain types of expenses, and a percentage of other types of expenses (coinsurance).

Both plans cover preventive care services at 100 percent (not subject to deductible or copayment) when you use in-network providers. Preventive services include routine adult physicals, well-baby and well-child care (including immunizations to age 17), and well-woman care.

For other types of services, an annual deductible must be met each year before the plan starts to pay benefits. When copays and coinsurance (as applicable to your plan) reach the annual out-of-pocket maximum, your plan pays 100 percent of covered expenses for the rest of the calendar year. This protects you from the high cost of care in case of a serious illness or accident.

Baptist offers a choice of two dental plans administered by Aetna:

• The High Dental Plan
• The Low Dental Plan

When you enroll in either plan, you will log on to the Aetna website to retrieve your Aetna dental ID card for you and each enrolled dependent. Because Aetna dental network providers have agreed to discount services for plan members, your dollars will go further by using a contracted dentist.

A list of Aetna contracted dentists can be found at aetna.com

Baptist offers vision coverage through BlueCross, who works with EyeMed to make sure you have the best coverage and a wide selection of providers. You simply call a network provider of your choice and schedule an appointment. When you go to your appointment, show your ID card or identify yourself as a BlueCross vision member. You will be asked to provide ID along with the name and date of birth of any covered dependent(s) needing service. The provider’s office will verify your eligibility for service using this information.

To find network providers in your area, visit bcbst.com/findaprovider.

For eligible employees with at least one year of service, Baptist provides Sick Pay Benefit (SPB).

The plan pays a weekly benefit equal to 70% of base pay for up to 90 calendar days. There's a 40 continuous scheduled work-hour elimination period before SPB benefits begin.

Company-paid benefits also include long-term disability (LTD) insurance for employees with at least five years of full-time employment. The plan coordinates with Social Security disability benefits to provide a monthly benefit equal to 50% of base salary to a maximum of $10,000. The waiting period for benefits is 90 calendar days following the date of total disability.

To further increase your disability protection, you may purchase voluntary long-term disability insurance. The plan coordinates with both your employer-provided coverage and/or Social Security disability benefits to provide a monthly benefit equal to up to 60% of your base salary, not to exceed the maximum of $10,000.

Voluntary Short-Term Disability
Short Term Disability through The Standard can protect up to 60% of your weekly earnings, up to $6,000 per month, if you become disabled due to a non-occupational injury or illness. During your initial enrollment period only, you can elect up to 60% of your salary of coverage for yourself without answering any medical questions.* This coverage is available during the first year of employment for full-time employees. It’s available for part-time employees throughout their employment. During this enrollment period only, you can elect coverage without answering any medical questions. 
* Guarantee issue up to 60% of salary, not to exceed $3,000

Employer-Provided Long-Term Disability
For employees with at least five years of full-time employment, this plan coordinates with Social Security disability benefits to provide a monthly benefit equal to 50% of base salary to a maximum of $10,000. The waiting period for benefits is 90 calendar days following the date of total disability.

Voluntary Long-Term Disability
Full-time and part-time employees may purchase voluntary long-term disability insurance. The plan coordinates with both your employer-provided coverage and/or Social Security disability benefits to provide a monthly benefit equal to up to 60 percent of your base salary, not to exceed the maximum of $10,000.

Hospital Indemnity Insurance through Reliance Standard can provide the money you can use to help cover the costs you might not anticipate. Helping you handle expensive hospital bills lets you focus more on recovering and less on how much the next test is going to cost.

• You’ll receive a lump sum payment to use as you see fit
• Pays on top of what your medical insurance covers
• Coverage for hospital admissions, stays and accident-related rehabilitation (accidents only)

No one can be completely prepared when a critical illness strikes, but if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack, Critical Illness Insurance through Reliance Standard provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. And every year that you complete a qualified health screening, you are eligible for a $50 Health Screening Benefit.

 

When you suffer an accident (on- or off-the-job) such as a burn or broken bone, Accident Insurance through Reliance Standard provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. And every year that you complete a qualified health screening, you are eligible for a $75 Wellness Benefit.

Example Benefits*

Ambulance (ground): $150
Emergency Treatment: $200
Follow-up Office Visit: $75
Diagnostic Examination: $200 per CT/MRI
Hospital Confinement: $250/day
ICU Confinement: $500/day
*This is not a comprehensive list of covered injuries and treatments. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

 

Purchasing Power is an employee benefit program that is an easy and convenient way for employees to purchase eligible products and services and use payroll deduction to pay for them over a 12-month period.

When you enroll in the Consumer-Driven Health Plan (CDHP), the HSA is set up for you by HealthEquity^®, our HSA administrator.

Baptist will make a one-time annual contribution to your HSA at the beginning of the year. The amount of this contribution is $500 if you elect single coverage, and $1,000 for all other coverage tiers. You may contribute as well, up to a total of $4,500 for an individual and $9,000 for a family (2027 limits, as set by the IRS). You select an amount to be payroll-deducted (before taxes) through the year and put into your account. If your benefit start date is after 1/1/27 you will receive a pro-rated amount in your HSA account.

The HSA is yours to use or save for future expenses. After you enroll in the plan, you will receive a HealthEquity Visa debit card. You can use your card to pay for qualified expenses as you incur them. Funds will be withdrawn from your account to pay the expenses.

There’s no use-it-or-lose-it rule with an HSA. Balances roll over year to year and earn interest tax-free. Once your balance reaches $1,000, you’ll have a choice of investments to grow your account even more.

• The HSA gives you a triple tax advantage: Contributions reduce your taxable income and your income taxes.
• Interest earnings on your account are
  not taxed.
• Withdrawals to pay qualified expenses are not taxed.

Your HSA is portable. You can keep the funds in your account if you leave Baptist.

Baptist offers benefits-eligible employees the opportunity to pay for eligible health care and/or dependent daycare expenses with pre-tax dollars using a Flexible Spending Account (FSA) administered by HealthEquity. An FSA allows you to have a set amount taken from your pay before taxes, which lowers your income tax. The money is put into an account you use to reimburse yourself for eligible expenses for 2027.

There are two kinds of FSAs: Health Care FSA & Dependent Care FSA.

“Use It or Lose It” IRS Rule
Contribute to an FSA only the amount you are reasonably sure you will spend in the plan year 2027 and file all claims for reimbursement by March 31, 2028. According to IRS regulations, any unclaimed funds in your FSA as of March 31, 2028, are forfeited.

Important: If you enroll in the Consumer-Driven Health Plan with HSA, your Health Care FSA can only be used for dental and vision expenses.

Employer-Provided Life Insurance
Baptist provides company-paid life insurance and accidental death and dismemberment insurance for all full-time employees after three months of continuous employment. Coverage is effective the first day of the month following 90 days of employment. The benefit amount is equal to 1½ times your base annual salary, rounded to the next higher thousand and not to exceed the maximum of $100,000. If death results from an accident, your beneficiary receives twice the amount of the principle sum.

Voluntary Life Insurance
You may also purchase voluntary life insurance to increase your protection. You may purchase 1, 2, 3, 4 or 5 times your annual salary, not to exceed the
maximum of $1 million (guarantee issue amount: $300,000). You may also purchase coverage for your spouse for half the amount of your own coverage up to $250,000 (with a guarantee issue amount of $50,000). A $10,000 policy is available for all dependent children up to age 26.

As life insurance, Life Insurance with Long Term Care through The Standard protects your family with a death benefit that can be used any way they choose, most often for the mortgage or rent, education for children, debt, and final expenses. This policy includes living benefits that provide financial support and resources to cover the cost of long term care you might need as a result of an accident, illness, or aging. During your initial enrollment period only, you can elect up to $200,000 of coverage for yourself without answering any medical questions.

During this enrollment period only, you can elect coverage without answering any medical questions. 

Chubb’s Cancer Advocate Plus is a first-of-its-kind-genetics-based Cancer Insurance Program that customizes cancer care. Every cancer journey is
deeply personal. And every treatment should be, too. Cancer Advocate Plus offers not only prevention and detection, but just as importantly, cancer management, and recovery. This plan combines precision testing and treatment with insurance protection.

Some key features of the plan include:

• Genomic Profiling for ALL stages of cancer
• Cancer Recurrence Monitoring (Minimal residual disease) up to three years post active treatment
• Customized genomics and cancer
  educational videos
• Financial protection with lump
  sum payouts

Identity theft protection services from Allstate help assess your risk, deter theft attempts, detect fraud and manage the restoration process in the event of an identity theft. Your identity will be monitored to uncover fraud at its inception. You’ll be offered an annual credit report, monthly credit scores and monitoring of your credit file. If Allstate detects suspicious activity, a certified privacy advocate can act as a dedicated case manager on your behalf and resolve the issue.

MetLife Legal Plans provide access to network attorneys available in person, by phone, or by email and online tools to do-it-yourself — we make it easy to get legal help. And, you will always have a choice in what attorney to use.

Getting legal help shouldn’t be difficult or unaffordable. A legal plan provides professional legal counsel for everyday personal legal needs, at a fraction of a lawyer’s standard rate.

• Access to legal advice and representation from a network of vetted attorneys
• Typically covers a wide range of personal legal matters such as: wills and estate planning, buying or selling a home, debt collection, traffic tickets, family law and more
• No copays, deductibles or waiting periods ¹

¹ When using a network attorney for a covered matter

You care about your pets and consider them members of your family. Pet insurance provides coverage for a wide range of veterinary services, such as wellness visits, vaccinations, surgical procedures, medical care following accidents and illnesses, and more.