Never miss a thing! Sign up to receive text message updates straight to your mobile phone. We will keep you in the loop on all things benefits and more! Click the button below to fill out the online opt-in form.
Never miss a thing! Sign up to receive text message updates straight to your mobile phone. We will keep you in the loop on all things benefits and more! Click the button below to fill out the online opt-in form.
We are pleased to offer a comprehensive benefits program, that offers you choice and flexibility, so you can take charge of your physical, financial, and emotional well-being. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below.
Administered by BlueCross BlueShield of Florida
Medical Plan Option:The plan gives you maximum flexibility with these important features:
Following is a brief look at the various details of your medical plan option. For more information, please contact Blue Cross and Blue Shield of Florida or the TGH Benefits Department for a Summary Plan Description. InterHealth offers a medical plan that provides you with comprehensive coverage with low out-of-pocket costs.
Administered by MetLife
Healthy teeth and gums are an important part of a healthy life. Regular trips to the dentist play a role in maintaining your overall health. You can choose from two MetLife dental options - PPO High or The Copay Plan. Both plans give you the choice of in- or out-of-network dental care. However, only the PPO High Plan includes orthodontic coverage.
Your dental plan options are:
Administered by MetLife Vision
MetLife Vision provides one of the broadest and most diverse vision networks nationwide made up of optometrists, ophthalmologists, and opticians. Members have the option to choose an eye care professional from their network of over 104,000 access points. The network also includes access to all of the top 50 largest retailers in the US as true in-network locations, including Walmart Vision Centers, Sam’s Club Optical, LensCrafters, Pearle Vision, Sears Optical, JC Penney Optical, Eyeglass World, America’s Best, For Eyes Optical, and Target Optical.
The MetLife Vision Plan features:
Administered by Lincoln Financial
Voluntary Short-Term Disability
Although most people worry more about long-term disabilities, a short illness or injury can also cause financial hardship. That is why InterHealth offers short-term disability (STD) options through Lincoln Financial Group. STD is just one of the benefits InterHealth offers that you can enroll in for added financial security.
You can elect buy-up additional STD coverage of 66 2/3% of your weekly base pay with a maximum benefit of $1,500 a week for up to 26 weeks. Pre-existing condition limitations apply.
Long-Term Disability
InterHealth offers Long-Term Disability (LTD) coverage through Lincoln Financial Group to protect you financially in case you become disabled.
LTD pays 66 2/3% of your base pay up to a monthly maximum of $10,000, has a 180-day waiting period before benefits are paid, and benefits are paid until retirement age, typically 65 years of age. This is a voluntary benefit that you must actively elect to have coverage. You pay for this plan with after-tax dollars through convenient payroll deductions.
Administered by Lincoln Financial Group
To design the life insurance benefit that fits your lifestyle, ask yourself how much money your family would need to live on if something happened to you, and how long they would need it. InterHealth provides you with one (1) times your annual base pay of core life insurance through Lincoln Financial Group at no cost to you.
But what if you need more protection? And how do you decide how much is enough? Because it is important to have the right amount of protection, InterHealth offers additional life insurance through Lincoln Financial Group.
You may purchase additional coverage up to 6 times your base pay! The maximum InterHealth additional life insurance coverage available including your core benefit is $2,000,000 combined.
Administered by Corebridge Financial
Defined Contribution Retirement plan is a 401(k) Plan
How can I enroll in the 401(k) Plan?
To encourage participation, all team members will be automatically enrolled at 2% pre-tax of your pay unless you opt out of the plan.
What type of contributions can be made to the 401(k) Plan?
Team members can contribute a whole percentage amount of their pre-tax pay. You can start or stop your contributions at any time. Team members can also contribute on an after-tax basis with the Roth 401(k) option.
What is the maximum you can contribute to the 401(k) plan?
Team members can contribute up to the IRS annual maximum contribution for the plan year. Team members who are 50 years and older can contribute an additional amount in catch-up contributions. Both Pre-tax and After-tax contributions combine to apply to the IRS limits.
InterHealth believes that team members need time to rest and get away from everyday routines. That is why we provide an Accrued Time-Off (ATO) system. New team members automatically begin accruing time in the ATO system when they are hired.
Important ATO Information
As a regular full- or part-time team member who is budgeted to work 16 hours or more per week, you are eligible to accrue and use ATO hours based on the ATO policy.
Administered by Virgin Pulse
The Virgin Pulse team is here to support and assist you in improving your health and are trained in all aspects of health and wellness to offer programs including health coaching, weight loss, exercise, diabetes management, nutrition planning, smoking cessation, stress management and more!
Have Medicare Questions? We have a resource for that...
InterHealth has partnered with Malloy Medicare Advisors to help address your concerns regarding Medicare. Malloy Medicare Advisors is a free resource for anyone aging into or eligible for Medicare. Malloy Medicare Advisors are a national company ready to answer your Medicare questions wherever you reside.
When you contact MalloyMedicare Advisors, you will be given a thorough education on Medicare. A licensed agent will guide you through the different parts of Medicare and answer your questions/concerns.
Administered by Lincoln Financial Group
Unfortunately, accidents can happen to just about anyone. In fact, today the main causes of death, aside from heart disease and cancer, are accidents. These facts are not meant to worry you. Rather, they are meant to help you decide whether you should add Accidental Death and Dismemberment (AD&D) insurance to your benefits picture. AD&D insurance protects you and your family financially in the event of your accidental death or loss of limb.
You can choose among these three AD&D insurance options:
Administered by Lincoln Financial Group
Critical Illness Insurance through Lincoln Financial Group pays a lump sum benefit to each covered person at the time of diagnosis. This benefit can be used to help meet expenses that are not normally covered under traditional health insurance. This means you and your family can concentrate on getting well, without having to worry about having enough money to cover the bills.
The policy benefit amount includes:
Should you experience one of several life-changing illnesses that would likely require you to be unable to work for an extended period of time, this policy would pay you either $10,000, $20,000 or $30,000, depending on which option you choose.
All plans include a $100 wellness benefit and a recurrence benefit.
Administered by Lincoln Financial Group
Since accidents can happen at any time, 24 hours a day, 7 days a week, it’s important to prepare for the unexpected. Accident insurance through Lincoln Financial Group helps you pay for out-of-pocket expenses associated with an accident by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like a trip to the emergency room, or to pay for childcare so you can get to the doctor for a follow-up visit. The policy is designed to work in conjunction with your medical plan as benefits are paid on top of what your health insurance may cover and can be used at your own discretion.
Accident insurance provides extra money to help make ends meet and manage medical costs and keep your savings intact. The plan consists of a variety of benefits that can help cover you and your family from accident and medical expenses and hospital expenses due to accidents. Coverage is 100% portable at the same rates, should you change employment.
Every year that you complete a qualified health screening, you and your covered dependent(s) are eligible for a $75 Wellness Benefit.
Administered by Lincoln Financial Group
Even with health insurance, a stay in the hospital can quickly become costly as out-of-pocket expenses begin to add up. Hospital indemnity insurance through Lincoln Financial Group can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether for deductibles, coinsurance, or even child care expenses.
Plan Features:
Administered by Chubb
LifeTime Benefit Term Insurance with Long-Term Care Coverage through Chubb is a guarantee premium term life insurance plan. The plan features premiums guaranteed for life and coverage for qualified Long-Term Care expenses like nursing home, assisted living, or home care. LifeTime Benefit Term provides money to your family at death, and while you are living too, if you need home health care, assisted living, or nursing care. The plan builds paid-up death benefit values after 10 years, so if you decide to stop paying premiums at some point in the future, you are guaranteed paid-up coverage of a reduced amount.
This plan is 100% portable when you leave TGH at the same coverage and premium contribution. The plan has a unique Long Term Care feature that pays 4% of the current death benefit amount payable each month for up to 50 months. During your new hire enrollment period only, you can elect up to $150,000 of LifeTime Benefit Term Insurance with Long Term Care coverage without answering medical questions unless you’ve previously been denied coverage. Coverage is also available for spouses and children.
Administered by PetPartners
If you’re a pet parent, your fur babies are an important part of your family, bringing comfort, joy, and unconditional love. In return, you do the best you can to take care of them. InterHealth offers two plans for you to choose from:
Administered by Aura through MetLife
Aura keeps your identity safe with extensive monitoring of your personal info, accounts, IDs, and more, and will let you know if any of your online accounts, passwords, or personal information have been compromised. Aura will also monitor your Social Security Number and personal information for bank fraud, including unauthorized wire transfers, new bank account openings, and more.
Services include:
Administered by MetLife
All benefit eligible team members are eligible to enroll in our Legal Plan. The plan is voluntary and covers all dependents in the household for one low price. Your legal plan gives you easy access to experienced attorneys for an unlimited number of personal legal matters. When you use a network attorney for covered services, all attorney fees are paid for by your legal plan.
Did you know that you can enjoy MetLife Legal Plans benefits, even if you’ve retired or ended your employment? MetLife now offers portable, individual legal plans that you can take with you if life takes you in a different direction. To learn more about an individual legal plan, visit MetLife.com/individual-legal-plans or click here to learn more.
Tava Mental Health Service is a free mental health benefit available to all full-time and part-time team members, their spouses, and dependent children (ages 13-25). The benefit provides up to 12 free sessions annually with licensed clinicians through Tava’s secure, web-based technology platform.
Schedule your first appointment today at care.tavahealth.com.
Administered by GuidanceResources
Everyone needs help sometimes solving problems. Your wellbeing, productivity and happiness depend on balancing your life at home and your life at work. We recognize that it’s difficult to be on task at work when you are worrying about problems at home, and you can’t devote sufficient time to yourself and your family if you’re feeling overwhelmed by the demands of your job. Your benefits package includes the EAP at no cost to you.
How do I get started?
To get started, visit GuidanceResources.com, download the GuidanceNow mobile app, or call 888-628-4824.
Your work-life balance and general well-being are as important to us as the work you contribute. That's why we’re excited to offer your savings marketplace, your one-stop shop for exclusive and convenient savings on the products, services, and experiences you know and love.
It’s cost-free and easy to enroll. Just visit https://tgh.savings.workingadvantage.com and begin saving today on items like:
Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, Vision, Life, Disability and AD&D. For these benefits, you may only make changes to your elections during the year if you have a qualifying life event.
Qualifying life events include:
The change to your benefit elections must be consistent with the qualifying life event. You have 31 days from the qualifying life event to request your enrollment change in bswift and provide supporting documentation to the Benefits Department. If you do not take action within 31 days of your qualifying life event, you must wait until the next annual enrollment period to make a change to your elections.
