Administered by Aetna
Because there is nothing more important than your health, we offer three medical plan options: two that are Consumer Driven Health Plans with a Health Reimbursement Account (HRA) and Health Savings Account (HSA) and one that is a Preferred Provider Organization (PPO) plan. All three plans pay 100% for preventive care. The plans differ when it comes to how you pay for expenses before and after you meet your deductible. The other big difference in the plans is that Option 1 Deductible plan offers an HRA, while Option 3 High Deductible plan offers an HSA.
A prescription plan with support
Your prescription plan features convenient tools and personal support to help make it easier to manage your medicine needs and stay your healthiest.
Administered by Delta Dental
Keep a smile on your face and more money in your pocket with our dental plan. Having a dental plan that covers exams, X-rays, fillings and more can help you save money and live healthier. Through Delta Dental, you have two options available: Option 1 - Low Option and Option 2 - High Option.
You have two options available:
Please review and carefully choose the best plan for you and your family. You are allowed to visit any dentist you wish, but if you stay within the Delta Dental network, those providers have agreed to negotiated fees and you’ll save the most money.
Customer service representatives are available Monday – Friday, 7:00 a.m. to 5:00 p.m. at 800-223-3104.
Visit their online Consumer Toolkit to:
Mobile App
Get your Delta Dental benefits at your fingertips. Download the Delta Dental Mobile App for Apple iOS or Android to:
Administered by Delta Vision
Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes. A group vision plan makes it easier to get the care you need and lower your costs. Delta Vision provides two plan options: Option 1 - Low Option and Option 2 - High Option. Please review and carefully choose the best plan for you and your family.
Find an in-network provider and access to your vision benefits 24/7, by visiting vsp.com or calling 800-877-7195. You can also download the VSP App on your iPhone, iPad or Android to view your benefit details and have your ID card right at your fingertips.
Administered by PayFlex
The Flexible Spending Account allows employees to take advantage of the provisions in Section 125 of the Internal Revenue Code. This Code section provides that payroll deductions for health insurance, dental insurance, life insurance, and child care will be taken on a before-tax basis. This plan must always comply with the latest requirements of the IRS code and therefore changes may occur without notice.
Administered by Aetna
Save now — and for your future
If you’re on a high-deductible health plan (HDHP), you can use an HSA to pay your required deductible with pretax funds. With an HSA, you may be able to contribute up to $4,300* per individual or $8,550* per family (pretax) annually. If you are 55 or older, you can contribute an extra $1,000.
Here are some reasons to move to an HSA:
WTH even provides you with money to help you start your HSA. If you complete a Health Assessment through Aetna Health Your Way, you get even more!
Inspira HSA card resources:
Administered by Lincoln Financial Group
Short-Term Disability
For eligible employees (full-time status), you may apply for STD coverage during Annual Enrollment. Coverage is determined by Lincoln Financial Group after you complete the evidence of insurability.
To calculate an estimated cost of your STD coverage, complete the following steps:
Long-Term Disability
Full-time employees that have at least five years of employment are automatically covered under the WTH-paid LTD policy. Employer-paid LTD pays 50% of an employee’s monthly covered earnings up to a maximum of $12,000 per month. Full-time employees with less than five years of service have the option to purchase a voluntary LTD policy. Voluntary coverage pays 50% of employee’s monthly covered earnings up to a maximum of $5,000 per month.
Administered by Lincoln Financial Group
What type is right for me?
The right life insurance policy can help you protect your loved ones, keep your hard-earned savings secure, and create a legacy that you can pass along with pride. With the options today, there’s a policy for every need.
WTH-Provided Life Insurance and Accidental Death & Dismemberment (AD&D)
Available for employees in a full-time, 7 on 7 off, weekenders or RN55 status.
West Tennessee Healthcare provides, at no cost to you, basic life and AD&D insurance coverage equal to one times your annual base salary, rounded up to the nearest thousand.
Supplemental Life Insurance
You may purchase supplemental life insurance for an additional 1 or 2 times your annual base salary, up to a maximum benefit of $1,500,000 when combined with your basic coverage amount. Employees currently enrolled in supplemental life (1 times annual salary) can increase coverage to 2 times annual salary up to guaranteed issue amount of $300,000 without Evidence of Insurability (EOI). Amounts over $300,000 require EOI. Employees not currently enrolled in supplemental life can enroll but will be required to complete EOI and coverage will be determined by Lincoln Financial Group Medical Underwriting.
Supplemental Accident & Death Insurance
You may purchase an additional 1 or 2 times your annual salary in accidental death and dismemberment coverage. The cost is $.017 per $1,000 per month.
Supplemental Dependent Life Insurance
Dependent life insurance is available through Lincoln Financial Group to eligible dependents. Annual Enrollment is the only time you may apply for this coverage after your initial eligibility period.
Evidence of Insurability
The evidence of insurability consists of a detailed medical questionnaire, though a medical exam may also be required.
Administered by Voya Financial
Reaching your retirement goals can take a lot of preparation. Some investment professionals estimate that you’ll need at least 75–80 percent of your final working salary to maintain your lifestyle during retirement. Our Retirement Plan offers you tools, education, and investment options that can help you take steps today to prepare for what life has in store tomorrow.
Highlights include:
Questions?
If you have questions, please reach out to Vickie Jones, Sr. Benefits Specialist at 731-265-1127 or vickie.jones@wth.org. You can also contact Voya Financial Advisors, Inc. directly at 731-668-9818.
Healthy Heights Employee Well-Being Program
Healthy Heights (our employee well-being program) provides employees with the tools and resources needed to attain and sustain a healthy state of well-being so that they can provide compassionate and exceptional care to the patients and communities we serve!
Benefits include:
Living Well Diabetes Program Benefits:
Administered by Allstate
Accidents happen when you least expect them. With Accident Insurance through Allstate, you can be prepared to cover the out-of-pocket expenses that may occur on or off the job due to a work or non-work-related injury. Accident insurance provides a lump sum payment based on the accident/injuries sustained, so you can have the peace of mind knowing you are financially covered. The benefit is paid directly to you, and you decide the best way to spend it. It is that simple. Whether it is to pay medical expenses, the mortgage, car payments or even utility bills, you decide.
Advantages of accident insurance:
Administered by Allstate
If you were diagnosed with a critical illness today, how would you cover the extra cost for treatment? Statistics show that over your lifetime the chances of being diagnosed with a critical illness are high. WTH offers you a chance to protect your finances with the Critical Illness Plan through Allstate. Critical Illness coverage provides a way for you to stay ahead of the medical and out-of-pocket expenses that can accompany certain covered medical events Payments are made directly to you.
There are two plan options available to you, your spouse and child(ren): $10,000 or $20,000. Also , you will receive a $X wellness benefit each for every covered person who has wellness or preventive services performed during the year – just submit a claim.
Examples of covered illness and conditions include:
Administered by Aetna
With an average cost of $10,000 per hospital stay in the US, it’s easy to see why having Hospital Indemnity insurance coverage may make good financial sense. If you are admitted or confined to a hospital due to an accident or illness, this insurance can help pay for out-of-pocket costs such as health insurance deductibles and copayments—or for anything that you see fit.
You can enroll in Hospital Indemnity insurance without answering any health questions. The benefit amount for each hospital stay is determined by the length of your stay as well and the type of facility in which you are confined:
Administered by Allstate
Let's protect your (whole) life.
Do more of the things you love—with those you love. Our industry-leading coverage lasts your entire life and has many benefits you can use along the way.
Enjoy lifelong protection1 and other features you can use throughout your life with this type of permanent life insurance. As you make payments, your policy will accumulate cash value. It's guaranteed to grow (typically tax-deferred) regardless of market ups and downs. You can use the cash value for whatever you want or need2. You can also earn dividends3 that can be taken as cash, used to pay premiums, or buy more coverage
1 Unless you cancel your policy or stop paying your premiums.
2 The primary purpose of whole life insurance is to provide a death benefit. Your policy's cash value typically becomes a useful source of funds only after several years of premium payments, which allows the cash value to build up. Each method of utilizing your policy's cash value has advantages and disadvantages and is subject to different tax consequences. Surrenders of, withdrawals from and loans against a policy will reduce the policy's cash surrender value and death benefit and may also affect any dividends paid on the policy. As a general rule, surrenders and withdrawals are taxable to the extent they exceed the cost basis of the policy, while loans are not taxable when taken. Loans taken against a life insurance policy can have adverse effects if not managed properly. Policy loans and automatic premium loans, including any accrued interest, must be repaid in cash or from policy values upon policy termination or the death of the insured. Repayment of loans from policy values (other than death proceeds) can potentially trigger a significant tax liability, and there may be little or no cash value remaining in the policy to pay the tax. If loans equal or exceed the cash value, the policy will terminate if additional cash payments are not made. Policyowners should consult with their tax advisors about the potential impact of any surrenders, withdrawals or loans.
3 Dividends are reviewed annually by the company and are not guaranteed. Some policies may not receive dividends in a particular year or years even while other policies receive dividends. For universal life products, in lieu of dividends, experience is reflected through changes to nonguaranteed charges and credits.
Administered by Allstate
Receiving a cancer diagnosis can be one of life’s most frightening events. Unfortunately, statistics show you probably know someone who has been in this situation.
With Cancer insurance from Allstate, you can rest a little easier. Their coverage pays you a cash benefit to help with the costs associated with treatments, to pay for daily living expenses, and more importantly, to empower you to seek the care you need.
Here’s how it works
You choose the coverage that’s right for you and your family. Cancer insurance pays cash benefits for cancer and 29 specified diseases to help with the cost of treatments and expenses as they happen. Benefits are paid directly to you unless otherwise assigned. With the cash benefits you can receive from this coverage,
you may not need to use the funds from your Health Savings Account (HSA) for cancer or specified disease treatments and expenses.
Additional benefits have been added to enhance your coverage.
Administered by IDShield
Get the identity theft protection you and your family deserve with IDShield, the only identity theft protection plan armed with a team of licensed private investigators, ensuring that if your identity is stolen it will be fully restored.
Benefits include:
Administered by LegalShield
Get the protection you and your family deserve with LegalShield. Through a nationwide network of provider law firms, LegalShield provides every member direct access to a dedicated law firm.
Benefits include:
