Administered by BlueCross BlueShield of Florida

2024 Medical Plan Options:

• TGH EPO Plan
• TGH HSA Plan
• TGH Out of Area HSA Plan
• TGH Out of Area EPO Plan
• TGH POS Plan*

TGH offers medical plans that provide you with comprehensive coverage with low out-of-pocket costs. Each plan gives you maximum flexibility with these important features in common:

• Direct access to network physicians
• Care coordination
• Health education and wellness programs
• Urgent care centers

Click on the button below for a brief look at the various details of your medical plans. For more information, please contact BlueCross BlueShield of Florida of the TGH Benefits Department for a Summary Plan Description.

Features include:

• No primary care physician requirement—you can visit any network physician you choose and directly access network specialists without any referral
• An emphasis on wellness—annual physical, well-woman, mammograms and/or well-child examinations are covered at 100%
• No claim forms to fill out or hospital notification required
• Protection against paying amounts over the usual and customary (U&C) charge—so you do not have to worry about paying more than you expected
• A vision care benefit that helps with the cost of eye exams (once every 24 months)
• An unlimited lifetime maximum to safeguard against the cost of a major illness or injury

*Frozen Grandfathered Plan. No new enrollments.

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:

• PPO High Plan
• The Copay Plan

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:

• Fully-covered exams and select lens options through in-network eye care professionals
• Discounts provided for additional lens options
• A robust network of eye care professionals including all 50 of the top retailers available as in-network locations making up over 104,000 points of access when combined with independent offices
• Plan includes coverage for both glasses and contact lenses each year

Administered by My Health Equity

Do you want to keep more of your money? Then consider using the tax savings FSAs can give you. FSAs can help you save money because they give you a tax break on certain types of health care and work-related day care expenses. Paying with tax-free dollars keeps more money in your pocket.

How These Accounts Work
You can open:

• a Health Care Spending Account
• a Dependent Care Spending Account
• both types of accounts

Here is an overview of how these accounts work:

• You decide how much you want to deposit during the calendar year. From a minimum of $260 annually, up to the 2024 IRS maximum of $3,200 for an HCFSA or LPFSA. The DCFSA maximum annual contribution is $5,000.
• HCFSA or LPFSA funds can be used for expenses incurred through the end of the benefit plan year, the date of separation or benefit ineligibility, whichever comes first.
• The money you contribute is automatically deducted from your pay before Federal and Social Security taxes are taken out. This money is deposited directly into the spending account(s) you have selected.

The advantages of these accounts are:

• Eligible expenses are tax-free
• More disposable income, because you keep some of the money that would normally go toward your
  federal income and Social Security taxes
• Convenience, because your deposits are made through payroll deduction

Administered by My Health Equity

HSAs require enrollment in an HSA-qualified (or high-deductible) health plan. In addition, HSAs stay with you forever and funds never expire.

• Use tax-free money to pay for qualified medical expenses
• No 'use-it-or-lose-it,' keep your HSA forever
• Enjoy higher contribution limits
• Invest your HSA tax-free, like a 401(k)

Administered by Lincoln Financial Group

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 TGH offers Short-Term Disability (STD) options through Lincoln Financial Group. STD is a financial safeguard that you may want to consider for your benefits picture.

Long-Term Disability
TGH offers Long-Term Disability (LTD) coverage through Lincoln Financial Group to protect you financially in case you become disabled.

We care about providing you with a comprehensive benefits package, which is why Tampa General Hospital is partnering with Unum to offer you Supplemental Individual Disability Insurance (IDI).

Long-Term Disability (LTD) Insurance provides a good foundation for income protection but may leave higher-income earners with a shortfall in the event of a disabling illness or injury. This coverage provides an additional monthly benefit, that in the event of a covered disability, protects more of your income. It may cover income such as commission, bonus and other incentive pay that may not be traditionally covered by Long Term Disability (LTD) plans.

IDI protects more of your income, helping to cover your bills and day-to-day expenses in the event of a covered disability.

Get informed and act by November 3.

1. Watch the brief video about IDI
2. Log in to Unum’s enrollment portal to review your options
3. Accept or decline coverage

Team members who are actively at work will not be required to submit medical history records, have blood drawn or see a physician. You will only be required to answer a few qualifying questions.

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. TGH provides you with life insurance 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, TGH offers additional life insurance.

How Much Life Insurance Should You Purchase?
The right amount of life insurance protection can help your loved ones avoid having to drastically alter their lifestyle to cope with financial obligations if you die prematurely. You should estimate how much your family may need for:

• Funeral expenses
• The mortgage
• Car loans
• Credit card and other debt
• Education for your children
• Retirement for your spouse

As a general rule of thumb, some experts say you will need six to eight times your annual gross income in life insurance, but everyone’s needs differ.

Administered by Corebridge Financial

Defined Contribution Retirement plan is a 403(b) Plan

How can I enroll in the 403(b) 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 403(b) 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 403(b) option.

Will TGH contribute to eligible team member’s 403(b) plan?
TGH will contribute via an employer match: 100% of the first 4% of salary you contribute to the plan and 50% of the next 2% of salary you contribute to the plan.

When am I eligible for the TGH matching contributions?
TGH will begin matching your 403(b) plan contributions on the first pay period after you attain 21 years of age and complete 12 months of service in which you work 1,000 hours or more. TGH matching contribution is immediately vested at 100%.

Anytime during the year, team members who are in the traditional time-off system can transfer to the ATO system. Forms are available in the TGH Benefits Department.

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.

• You are eligible to use your earned ATO after 90 days of employment.
• Your accrual is based on hours paid to a maximum of 80 hours per pay period, your team member status, whether you are management or nonmanagement, and your tenure.
• ATO hours are to substitute for time not worked, resulting in wages not being earned. Examples are vacation, holiday, and sick time.
• ATO hours used for vacation, holiday, and sick time are paid at 100% of their value. Team members cannot use or cash in ATO hours during their first 90 days of employment.
• The use of ATO hours is mandatory for time off, except where prohibited by law.
• Team members may, but do not have to, use their ATO time if they are required to take time off due to temporary/short-term cancellation of shifts; or being sent home early due to hospital-initiated reasons, such as low census, or facility/environmental circumstances.
• Eligible team members can accrue up to a maximum of 480 hours of ATO.

Have Medicare Questions? We have a resource for that...

Tampa General Hospital 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 to LFG

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:

• $50,000
• $100,000
• $200,000

Administered by to LFG

When you think about your family, have any of them experienced a heart attack, stroke, kidney failure, or life threatening cancer? If you answered yes, then you understand the emotional and financial impact a critical illness can have on your hard earned savings. 

The good news is that the TGH group voluntary critical illness product 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.

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.

The policy benefit amount includes:

• Heart Attack – 100% of face value
• Heart Transplant -100% of face value
• Stroke- 100% of face value
• Coronary Artery By-Pass -25% of face value
• Major Organ Transplant (other than heart) – 100% of face value
• End Stage Renal Failure – 100% of face value
• Paralysis (not as a result of stroke) – 100% of face value
• Advanced Alzheimer’s Disease – 25% of face value
• Advanced Parkinson’s Disease – 25% of face value
• Invasive Cancer – 100% of face value
• Carcinoma in Situ – 25% of face value

Administered by to LFG

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.

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.

• Every year that you complete a qualified health screening, you and your covered dependent(s) are eligible for a $50 Wellness Benefit
• No medical history is required for coverage to be issued
• Coverage available for spouse and eligible dependents
• Fully Portable: You can keep your coverage even if you change jobs or retire

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. Tampa General Hospital is offering two plans for you to choose from:

• Accident and Illness - covers accidents and illnesses and more serious conditions that pets can develop during their lifetime that may require continuous care. 
  
  
• Accident/Illness & Wellness - Along with covering Accidents and Illnesses, our Wellness coverage reimburses you for your pets annual checkups, spay and neutering, micro-chipping and more.

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:

• Credit Application Alerts
• Lost Wallet Protection
• Address Change Verification
• Black Market Website Surveillance
• $1 Million Total Service Guarantee
• Court Record Scanning
• Unauthorized Payday Loan Notifications
• Checking and Saving Account Application Alerts
• Enhanced Credit Application Alerts
• And more!

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.

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.

• Login credentials:
  
  • Username: LFGSupport
  • Password: LFGSupport1

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.

• No claims, no co-pays, no deductibles. You and your dependents will have 12 sessions (per person per year) completely covered.
• Self-scheduled online video sessions.
• Your identity and anything you discuss is confidential.
• Quality care from quality therapists.

Schedule your first appointment today at care.tavahealth.com.

Administered by Community Health and Wellness

Tampa General Hospital's Savings Marketplace - Start Saving Now!

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:

• Electronics 
• Appliances 
• Theme Parks 
• Hotels 
• Movie Tickets 
• Rental Cars 
• Gift Cards 
• Apparel 
• Cars 
• Flowers 
• Fitness Memberships 
• Groceries 
• Special Events 
• And More!