Administered by Sisco

• PPO Medical Plan
• HDHP Medical Plan

Administered by Delta Dental

Holland Hospital offers you dental coverage through Delta Dental at very affordable group rates, available only to Holland Hospital employees! In order to receive the most value for the Delta Dental plans, you will want to use an in-network provider. You may find providers at www.deltadentalmi.com.

Administered by Sisco

Holland Hospital offers vision coverage administered by SISCO at very affordable group rates. The plan allows for $225 in maximum reimbursements per person per plan year. Participants can be reimbursed for eye exams, lenses, frames, and contacts. Participants submit their receipts to SISCO, who will track claims and reimbursements.

Administered by Sisco

The Holland Hospital Health Plan offers you two different Flexible Spending Account (FSA) options through SISCO: a Medical Reimbursement Account (pays for eligible medical, dental, and vision care expenses that are not covered by your insurance plan) and a Dependent Care Reimbursement Account (pays for eligible day care expenses). A FSA is a smart, simple way to save money. In addition, with a FSA there is much less “use it or lose it” risk. FSA is an annual election. Funds are to be used in the Plan Year. Plan Year ending 3/31/2023 will allow up to $570 to roll over to the next Plan year for medical FSA as allowed by the IRS.

• Plan Participants can contribute up to $2,850 per plan year for health care expenses. $570 from the previous plan year is eligible to roll over to the next plan year.
• Participants can contribute up to $5,000 per plan year for dependent care expenses.
• Participants must re-enroll in these plans each year to participate.
• Any money that you have not used or incurred expenses for by March 31 will be forfeited per IRS regulations (with the exception of the $570, which will rollover into the new plan year).

Limited Flexible Spending Accounts (HDHP Health Plan Participants)

The Holland Hospital Health Plan offers to the HDHP Health participants a Limited Scope Medical Reimbursement Account. A Limited Scope Medical Reimbursement Account is a pre-tax benefit account used to pay for eligible dental and vision care expenses that are not covered by your insurance plan if you are enrolled in the HDHP Medical Plan. The contribution limit is $2,850 per plan year and $570 can roll to the next plan year.

Administered by Optum Bank

The Holland Hospital Health Plan offers Health Savings Accounts (HSA). A HSA may reimburse qualified medical expenses incurred by the account beneficiary and his or her spouse and dependents; COBRA premiums; health insurance premiums while receiving unemployment benefits; qualified long-term care premiums; and any health insurance premiums paid, other than for a Medicare supplement policy, by individuals age 65 or older. This is NOT a use-it or lose-it account—these are employees’ bank accounts and money contributed to the account by the employee is yours to keep forever (year after year). Distributions made from a HSA to reimburse the account beneficiary for eligible expenses are excluded from gross income.

Employees are allowed to contribute their own dollars as pre-tax contributions to their HSA up to the IRS allowed limits. The IRS limits for 2021 contributions to HSA accounts are below and these calendar year limits must be adhered to.

• Single: $3,650.00
• Family: $7,300.00

Employees age 55-64 can add another $1,000 per year. If you are enrolled in Medicare, you are unable to contribute to an HSA. Participants must re-enroll in this plan each year to participate.

Administered by MetLife

Employee Basic Life Insurance

Holland Hospital pays full cost of the basic life insurance for full-time employees. The basic life insurance benefit is equal to 1 times annual earnings rounded to the next higher multiple of $1,000, if not already exact multiple thereof. See the Plan Certificates for full details.

Employee Voluntary Life Insurance

• Full-Time and Part-Time A employees can purchase Voluntary Life Insurance.
• New (first time eligible) employees can purchase up to $200,000 without approval; amounts above $200,000 require approval. Employees can purchase up to 5 (five) times annual salary NOT to exceed $500,000.
• Options are: $10k, $50k, $100k, $150k, $200k, $250k, $300k, $400k, $500k
• Your rate is based on your insurance age, which is your age on the date your benefit becomes effective.
• Please refer to the Pulse for voluntary insurance bi-weekly rates.
• Coverage amounts reduce to 65% at age 70 and to 50% of original amounts at age 75.

Dependent Voluntary Life Insurance

In order to purchase coverage for your spouse and/or child, you must purchase coverage for yourself.

Spouse Coverage: Full-Time and Part-Time A employees can purchase (benefits will be paid to employee).

• Employees can purchase up to 100% of employee amount NOT to exceed $300,000.
• New (first time eligible) employees can purchase up to $50,000 without approval; amounts above $50,000 require approval.
• Options are: $10k, $30k, $40k, $50k, $100k, $150k, $200k, $250k, $300k.
• Your rate is based on your insurance age, which is your age on the date your benefit becomes effective.
• Please refer to the Pulse for spouse life insurance bi-weekly rate.
• Coverage amounts reduce by 35% at age 70 and by 50% at age 75.
  
  

Child Coverage: Full-Time and Part-Time A employees can purchase (benefits will be paid to employee).

• Children age live birth to 6 months: $1,000 benefit
• Beyond the age of 6 months to 26 years: $10,000 benefit
• Premium for child coverage at $.27 bi-weekly regardless of how many children you have.

Administered by MetLife

Employee Accidental Death & Dismemberment

Holland Hospital pays full cost of the basic employee accidental death & dismemberment coverage for full-time employees. The basic accidental death & dismemberment benefit is equal to 1 times annual earnings rounded to the next higher multiple of $1,000, if not already exact multiple thereof. See the plan Certificates for full details

Employee Voluntary Accidental Death & Dismemberment

• Full-Time employees can purchase Voluntary Accidental Death & Dismemberment coverage.
• Employees can purchase AD&D coverage for yourself regardless of whether you purchase Voluntary Life Coverage.
• Options are: $10k, $50k, $100k, $150k, $200k, $250k, $300k, $400k, $500k

Dependent Voluntary Accidental Death & Dismemberment

In order to purchase coverage for your spouse and/or child, you must purchase coverage for yourself.

Spouse Coverage: Full-Time employees can purchase (benefits will be paid to employee).

• Employees can purchase up to 100% of employee amount NOT to exceed $300,000.
• Options are: $10k, $30k, $40k, $50k, $100k, $150k, $200k, $250k, $300k.
• Coverage amounts reduce by 35% at age 70 and by 50% at age 75.

Child Coverage: Full-Time employees can purchase (benefits will be paid to employee).

• Children age live birth to 6 months: $1,000 benefit
• Beyond the age of 6 months to 26 years: $10,000 benefit

Administered by MetLife

Full-time employees are eligible first day of month after 90 days of continuous employment. Holland Hospital pays the full cost of these coverages. See the Plan Certificates for full details.

Long-Term Disability: pays 60% of monthly base pay (MetLife).

Short-Term Disability: pays 70% up to $1,000 per week for up to 26 weeks (one week waiting period & PTO is used) (Holland Hospital In-House handles these claims—see HR).

Administered by Lincoln Financial Group

Full-time and Part-Time A employees are able to purchase this coverage. This policy pays benefits for injuries and accident-related expenses, such as fractures, dislocations, hospitalization, physical therapy, emergency room treatment, transportation, lodging, and more. See the Plan Document for full details.

Administered by Lincoln Financial Group

Full-time and Part-Time A employees are able to purchase this coverage. This coverage provides financial protection in the event of a covered serious illness. The policy pays a lump sum benefit directly to you if you are diagnosed with a covered condition (Heart Attack, Cancer, Major Organ Failure, Carcinoma, End Stage Renal Failure, Coronary Artery Bypass Surgery.) See the Plan Document for full details.

Administered by Lincoln Financial Group

Full-time and Part-Time A employees are able to purchase this coverage. This coverage provides financial protection in the event of a hospital admission. The policy pays a lump sum benefit directly to you for Hospital Admission, including maternity, ICU, and non-ICU Hospital Confinement and more. See the Plan Document for full details.

Administered by MetLife

This plan offers eligible employees and their dependents access to a network of local attorneys for phone and office consultations with a variety of personal, non-employment related legal needs. The plan cost is $11.08 after-tax cost per pay period, based on 26 pay periods per year. See the Plan Document for full details.

Administered by T Rowe Price

All Holland Hospital employees are eligible to participate. There is a pre-tax program and Roth (after-tax) options available.
All employees will be automatically enrolled the first of the month after 30 days of employment.
Employer Match: 50% of the first 6% of employee contribution. Maximum contributions: $20,500 or (50+) $27,000/calendar year for pre-tax and Roth contributions combined. First time participants on or after April 1, 2010, employer contributions will be subject to vesting schedule. Employees hired after October 1, 2019 will be automatically increased each year unless opt-out.

Administered by LifeWorks

The program provides confidential and comprehensive assessments, information, and planning referrals for situations ranging from everyday issues to crisis counseling. Holland Hospital pays the full cost of this coverage with up to five (5) free phone or virtual consultations per calendar year. All employees are eligible to participate upon employment with Holland Hospital.

http://www.metlifeeap.lifeworks.com/

1-888-319-7819

Coming soon!