Katherine Shaw Bethea Hospital 2024 Benefits

Katherine Bethea Shaw Hospital offers three medical plans for you to choose from:

• KSB Plan
• HDHP Plan
• PPO Plan

All KSB Hospital providers are in-network for all plans! Click here to review the Medical Plan Document and Summary Plan Description.

You can find an in-network provider using the Cigna network. To find an in-network provider, visit my.cigna.com.

Visit the PBA Member Portal at PBA Member Benefits Portal (healthx.com). For instructions on how to log in to the PBA Member Benefits Portal, click here. PBA offers plan members a convenient way to order diabetes supplies. To learn more, click here.

You also have access to JointStrong, a comprehensive musculoskeletal care program. To learn more, click here.

Flexible Spending Accounts (FSA) provide you with an important tax advantage that can help you pay for health care and dependent care expenses on a pre-tax basis. By estimating your family’s health care costs for the next year, you can lower your taxable income and save money.

Health Care FSA 

This program allows you to pay for certain IRS-approved medical care expenses not covered by your medical plan with pre-tax dollars. Some examples of eligible expenses include:

• Copays and coinsurance
• Hearing services, including hearing aids and batteries
• Vision services, including contact lenses, contact lens solution, eye exams and eyeglasses
• Dental services and orthodontia
• Chiropractic services

The Health Care FSA annual contribution limit is $3,200 for 2024. Unused funds in 2024, up to $640, may be rolled over to the following year. Click here to review the FSA Plan Document.

Dependent Care FSA 

You may contribute up to $5,000 per plan year to pay for qualified eligible dependent care. If both spouses participate in an account the maximum still remains at $5,000 per plan year.

Visit the PBA Member Portal at PBA Member Benefits Portal (healthx.com). For instructions on how to log in to the PBA Member Benefits Portal, click here.

Our dental plan provides you and your family with coverage for preventive dental care and both major and basic dental procedures to improve overall oral health. Click here to review the Dental Plan Document and Summary Plan Description.

You can find an in-network provider using the Cigna network. To find an in-network provider, visit my.cigna.com. You are free to choose an out of-network provider, but your out-of-pocket costs will be higher.

Visit the PBA Member Portal at PBA Member Benefits Portal (healthx.com). For instructions on how to log in to the PBA Member Benefits Portal, click here.

Our Vision Plan through EyeMed provides you with coverage for eye exams, lenses, and frames—vision care for the whole family. Contact lenses are also covered, in lieu of prescription lenses. Click here to learn more!

To find an in-network provider, visit: eyemed.com

Basic Life and AD&D

This plan is a 100% employer-paid benefit that provides your family with financial protection in the event of your death or the death of a covered dependent.

Eligible employees, working at least 40 hours per pay period, receive a standard life and AD&D insurance benefit of $20,000.

Short-Term Disability (STD)

This plan is 100% employer-paid effective after one year of service and provides 60% weekly earnings, subject to a maximum of $2,300 per week, in case of a covered disability.  It is subject to a 14-day waiting period and pays for up to 11 weeks. Click here to review the Short-Term Disability Summary.

Voluntary Long-Term Disability (VLTD)

With the VLTD plan, you are eligible for a monthly payment up to 60% of your base earnings, not to exceed $5,000 per month. It is subject to a 90-day waiting period. current employees may only enroll in the VLTD during annual enrollment. Click here to review the Voluntary Long-Term Disability Summary.

With two budget-friendly options, there's never been a better time to sign up for My Pet Protection through Nationwide.

• Get cash back on vet bills
• Use any vet, anywhere: no networks, no pre-approvals

Click here to learn more! 

Visit: KSB Hospital (petinsurance.com)

Contact: 1-877-738-7874

When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident Insurance 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. 

As part of your Accident Insurance, you are entitled to an added wellness benefit. The wellness benefit will pay $50 to you and your covered dependents for one health screening test per person, subject to a maximum of four per family, per year. Click here to learn more about the tests that are covered and a link for filing a claim.

Click here and watch the video below to learn more!

Click here for instructions on how to file a claim.

This plan 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. Covered conditions include heart attack, paralysis, stroke, and more.

As part of your Critical Illness Insurance, you are entitled to an added wellness benefit. The wellness benefit will pay $50 to you and your covered dependents for one health screening test per person, subject to a maximum of four per family, per year. Click here to learn more about the tests that are covered and a link for filing a claim.

Click here and watch the video below to learn more!

Click here for instructions on how to file a claim.

This benefit is only available during our annual Open Enrollment period.

Universal Life Insurance Insurance with Long-Term Care provides lifelong protection with flexible premiums. It is one policy with two benefits - life insurance coverage for your family and long-term care benefits if you need them.

As life insurance, this plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

Program Highlights

• Coverage is available for yourself, your spouse, and your child(ren)
• Flexible permanent insurance designed to last a lifetime
• Benefits for long-term care services such as home health or nursing home care - you can access 6% of the selected life benefit per month if you need long-term care

You pay for this benefit conveniently through payroll deduction. Click here to learn more.

Visit our Life with Long-Term Care Website to view example rates and learn more!

Perspectives Employee Assistance Program provides support, counseling and resources for life issues that can take a toll on your emotional well-being or take time away from the things you value most, like work and family. The services are confidential, at no cost to you, and available when you need them.

Perspectives also offers Legal and Financial Services that provide you with phone access to specialists who can help you understand your options and point you in the right direction for the help you need. If you do require an attorney, you will be given a referral to Perspective’s network that includes a free 30- minute consultation and 25% reduction in attorney fees. Click here to learn more!

Click here to login to Perspectives EAP.

EAP access info for website/phone/app:

• Log in with your email address and create a password
• Use Company Access Code: KSB500
• Perspectives Phone Number: 800-456-6327

New site: GoRetire (go-retire.com)

EPIC Participant Service Center Phone Number: 1-800-716-3742

• Press *0 to speak to a representative.
• Reps are available Monday through Friday, 8 AM until 8PM EST.

Click the links below to learn more:

• Retirement Planning Guide
• Summary Plan Description
• GoRetire Website Log In Instructions
• GoRetire Initial Log In
• EPIC Participant Web Access Map

Please contact your KSB Benefits Specialist, Heather Youngmark, with any questions regarding RSP loans at 815-285-5409.

You Tube tutorials on:
Logging in for the first time:

Participant web introduction:

The Health Improvement Activity, to earn a reduced premium rate on our health plans, will not be required in 2024.

While the Health Improvement Activity is suspended, we encourage you to continue your self-care. In addition to the recommended annual wellness visit with your KSB Primary Care Provider, here are some tips below to keep both your physical and mental wellness in check.

• Eat healthy meals. Visit our Dietary team for healthy options.
• Take a break; stretch, walk, or just take a moment for yourself. You can find our stretching programs on the OC under the Employee Health tab and locate Stretching Programs.
• Stay hydrated at one of our watering stations!
• Remember our Employee Assistance Program is here for you and your family at NO COST. Counselors are available online or by phone to assist with mental health, financial and legal consultations and much more. Contact Perspectives at 800-456-6327 or visit the website at: www.perspectivesltd.com/login.  Our company access code is: KSB500.

Click here for information regarding the difference between Preventive and Routine/Diagnostic visits.  Please be sure to review this information to be sure your visit is processed correctly.

• Phone – (800) 435-5694
• Fax – (630) 655-3781
• www.pbaclaims.com

• Phone – (800) 716-3742
• www.go-retire.com/midlandsb

• Phone – (866) 800-5457
• www.eyemed.com

• Phone – (630) 444-2062
• Fax – (800) 294-0301
• optlife@advocacymodel.com

• Phone – (877) 738-7874
• www.petinsurance.com/ksbhospital

• Phone – (800) 842-8496

• Phone – (800) 456-6327
• www.perspectivesltd.com