Sarah Bush Lincoln 2024 Benefits Open Enrollment

Administered by Consociate Health

Sarah Bush Lincoln offers two medical plans:

• Traditional PPO Copay Plan
• High Deductible Health Plan (HDHP) with HSA

Both plans have the four coverage tiers and features that may be beneficial to you and your family. 

• Tier SBL: In-Network Sarah Bush Lincoln Health Center
• Tier 1: In-Network Aetna
• Tier 2: In-Network HealthLink OA III
• Tier 3: Out-of-Network Providers

Please note: All Services with the ability to be performed at Sarah Bush Lincoln will be required to be performed at SBL, SBLFCH (including Dr. Darmadi, Dr. Dossett, Senior Renewal),  Effingham Surgical Partners, LLC., or Family Care Associates. For members who reside within a 50-mile radius of either SBL or SBLFCH, if available services are performed at a different provider, then the claim will be treated as Out-of-Network. EMERGENCY SERVICES ARE EXEMPT FROM THIS PROVISION.

Please see the 2024 Benefit Booklet for a comparison of the two plans.

Administered by Consociate Health

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.

Claim forms can be found on the SBL intranet.

Administered by Consociate Health

Our Vision Plan 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.

Claim forms can be found on the SBL intranet.

When you enroll in our High Deductible Health Plan (HDHP), you have the option to open a Health Savings Account (HSA). HSA funds can be used to pay for eligible medical, dental and vision expenses for you and your eligible dependents, including deductibles, coinsurance, prescriptions, acupuncture and more, tax-free, now and in the future. Family members do not need to be covered under your plan in order to use the HSA funds.

With the HSA, you are in charge. You decide:

• How much you’ll contribute;
• When to pay for eligible expenses with HSA funds directly;
• Whether to save HSA funds for future expenses or retirement.

2024 IRS annual HSA contributions Limits:

• Single: $4,150
• Single+1/Family: $8,300
• Add an extra $1,000 if you are age 55 or older

2024 SBL HSA contributions:

• Single: $780
• Single+1/Family: $1,300

2024 SBL Wellness Rewards contributions:

• Single: $200
• Single+Spouse: $300

Including 2024 SBL contributions, your maximum HSA contribution is:

• Single: $3,170
• Single+1/Family: $6,700

Administered by Consociate Health

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 $3,050 for 2023.

Administered by Reliance Standard

Voluntary Short-Term Disability (STD)

As a full-time or part-time employee, you have the opportunity to purchase STD coverage to protect your income. STD covers employees who become disabled as a result of an injury or sickness that is not work related. It replaces a part of the income the employee would have earned had they been able to continue working.

With the STD plan, you are eligible for a weekly payment up to 60 percent of your base earnings. You also have the flexibility to choose between two coverage options:

• Coverage beginning after 14 days of disability
• Coverage beginning after 30 days of disability

Long-Term Disability (LTD)

Sarah Bush Lincoln provides full-time employees with basic LTD coverage at no cost. If you become totally disabled, the basic LTD Plan will pay 60 percent of your base earnings up to a maximum benefit of $6,000 per month. Payments will begin after you have been totally disabled for 90 days.

Administered by Reliance Standard

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. The Accidental Death & Dismemberment (AD&D) plan protects you and your family in the event of your death or injury due to a covered accident in addition to the benefit provided by your Basic Life coverage.

Full-time employees receive a standard life insurance benefit of two times your annual salary with a maximum benefit of $250,000.

Administered by Reliance Standard

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, major organ failure, kidney failure, stroke, cancer, and more. And now, this benefit also includes COVID-19 protection! As well, every year that you complete a qualified health screening you are eligible for a $50 Wellness Benefit.

Newly eligible employees can elect up to $15,000 in coverage for themselves without answering medical questions!

To file a claim online, visit reliancestandard.com/submitclaim and choose the claim type.

Administered by Reliance Standard

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. And every year that you complete a qualified health screening you are eligible for a $50 Wellness Benefit. Enroll without answering medical questions!

To file a claim online, visit reliancestandard.com/submitclaim and choose the claim type.

Administered by Reliance Standard

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance 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 that’s for coinsurance or childcare.

And every year that you complete a qualified health screening you are eligible for a $50 Wellness Benefit. Enroll without answering medical questions!

To file a claim online, visit reliancestandard.com/submitclaim and choose the claim type.

Administered by Transamerica

Universal Life Insurance with Living Benefits through Transamerica provides lifelong protection with flexible premiums. 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. This coverage also offers you "living benefits" should you need Long Term Care after becoming chronically ill and confined to a nursing or assisted living facility, or if you need to receive home health or adult day care.

The unique feature of Universal Life Insurance is that you build cash value with a guaranteed tax-deferred interest rate of 3% which may allow your premiums to remain level throughout the life of the contract.

Newly eligible employees have the opportunity to elect up to $150,000 in coverage for themselves without answering medical questions!

Center for Healthy Living

The Center for Healthy Living (CFHL) is available to all employees and spouses/partners and family members in the household ages 18 and older. It features a complete fitness facility with treadmills, stationary bicycles, hand weights, resistance weight machines and a variety of fitness classes. Personal trainers are available to help members set and reach fitness goals.

Virgin Pulse

The Virgin Pulse wellbeing program helps you live better and achieve your health goals with a fun and engaging experience that delivers powerful resources right to your fingertips. Virgin Pulse program is offered to all Sarah Bush Lincoln employees and their covered spouses/partners. Move through levels as you earn points for the healthy choices you make each day! Go to join.virginpulse.com or get the Virgin Pulse mobile app.

Employee Assistance Program (EAP)

Employees and their families often face challenging daily demands, including issues at work, with family, finances, and more. We will continue to offer an Employee Assistance Program (EAP) for you, your spouse, and your eligible dependents. With the EAP, you are provided with free, confidential counseling by the Sarah Bush Lincoln EAP staff of behavioral health professionals. To make an appointment, call the Sarah Bush Lincoln EAP office at 217-258-4040.

In addition, your ComPsych® GuidanceResources® benefit provides you and your dependents 24/7 support, resources, and information to help you with all of life's challenges. From no-cost, confidential counseling and legal support, to financial information and personalized work-life resources, we've got you covered.

Administered by PerkSpot

PerkSpot is your one-stop-shop for exclusive discounts at many of your favorite national and local merchants! PerkSpot is completely free, and optimized for use on any device: desktops, tablets, and phones.

Getting Started: Sign up or log in at sbl.perkspot.com. Follow the simple on-screen instructions to make an account with your personal or work email.

Start Saving: Enjoy access to thousands of discounts in dozens of categories, updated daily. Take advantage of online offers from popular national retailers, and discover discounts in your neighborhood with PerkSpot’s streamlined Local Map. Filter your map results by categories like restaurants, health & fitness, retail, and more!

Remember: Don’t see the retailer or product you want? You can always request a merchant through your PerkSpot account, and our negotiating experts will work to get it for you. Keep an eye out for new featured discounts in PerkSpot’s weekly email!

• Retirement Plan
• Time Off Paid (TOP) Program
• Reserve Sick
• Tuition Assistance
• Farmers Insurance

Refer to the 2024 Benefits Enrollment Guide for more information.

Coming soon!