South County Health Has You Covered

South County Health offers an extensive benefits program and excellent resources to ensure high-quality healthcare for you and your family and to help you maintain or improve your overall well-being.

You’ll find programs that offer income replacement in the event that you are unable to work, help you save for retirement, further your education, and support other personal goals.

Medical Insurance

As members of the SCH community dedicated to maintaining and improving health, we’re proud to offer our staff a comprehensive medical program that is affordable, enables staff to receive high-quality care, and is partnered with a focus on wellness, offering programs in support of protecting both our physical and financial health and improving our quality of life.

South County Health offers VantageBlue through Blue Cross Blue Shield of RI.

The VantageBlue plan provides a comprehensive level of benefits structured to encourage preventative care and the use of a Patient Centered Medical Home (PCMH).

It provides you with a broad network of hospitals and physicians through the BCBS BlueCard Network.

More about VantageBlue

VantageBlue is a flexible plan offering because:

• You have access to the entire BlueCard National PPO network with access to over 6,100 hospitals and 740,000 physicians
• You have the freedom to visit non-network providers. Once you have met the deductible most services are covered in full after any applicable copayment/coinsurance
• No referrals to specialists are required

Dental Insurance

South County Health offers two dental plan options for our staff through Blue Cross Blue Shield of Rhode Island, providing you a choice in selecting the plan that best suits your needs.

Each option encourages preventative care and helps you pay for a range of other dental services.

About Your Dental Insurance

Both Blue Cross Dental options cover three categories of dental expenses:

• Preventative and diagnostic care (routine exams and cleanings, fluoride treatments, x-rays)
• Basic treatment (pulling teeth, fillings, root canals, oral surgery)
• Major treatment (crowns, periodontics)

With Blue Cross Dental, you will still be covered by dentists outside the BCBS network. When you go out of network, the dentist may bill you for charges over the “usual-and-customary” charge for a particular service.

The Benefits

• Excellent Network Access: You’ll receive the greatest value when you receive dental care from a participating dentist. You can choose from over 55,000 dental locations in the Blue Cross network.
• Lower Out-of-Pocket Costs: Because Blue Cross network dentists often accept discounted fees for service, you will
  normally pay less when you visit a participating dentist.
• No Balance Billing: Participating dentists agree to accept their reduced fees as payment in full and will not bill you for the difference.

Life and Accidental Death & Dismemberment

(AD&D) Insurance

Life and AD&D provide you with financial support when you and your family need it most. South County Health provides staff with a company paid Basic Life and AD&D benefit.

We also provide you the opportunity to purchase additional Life and AD&D coverage for yourself, your spouse, and your dependent children.

Long-Term Disability

Long-Term Disability provides eligible staff income in the event of a disabling injury or sickness that prevents you from returning to work. This coverage is paid for by South County Health.

The plan will pay benefits if you become disabled while covered under the plan. You must satisfy the benefits waiting period, be under the appropriate care of a physician, and meet all other terms and conditions of the Plan.

Flexible Spending Accounts

Flexible Spending Accounts (FSA) are plans that allow you to put aside money through payroll deduction before federal taxes are withheld from your paycheck to pay for qualified expenses as defined by the IRS.

There are two types of FSA’s, Health Care and Dependent Care.

Coastline EAP, Financial Solutions, and Identity Theft

Coastline Employee Assistance Program (EAP)

We all have times when we worry about our work, family, or personal life. Sometimes our lives are more stressful than other times and it’s natural that we may need someone to talk with now and then or receive a referral to a reliable resource.

Employees and family members can call Coastline EAP for a confidential consultation or support anytime, day or night.

Financial Solutions

This program by Money Management International (MMI), is designed to assist our staff and their family members in reaching personal financial goals. Benefits include:

• Onsite Education Workshops; covering topics like Credit Report and Credit Scores, Keeping Debt Under Control, Setting Goals & Priorities, Managing Income & Expenses, Building Savings, and more.
• Free Credit Counseling; provides confidential one-on-one counseling sessions with a MMI certified credit counselor.
  • Free Debt Management Assistance; when appropriate, a Debt Management Plan can lower interest rates, reduce monthly payments, waive late fees, and eliminate collection calls.
• On-demand Financial Education; staff has access to a wide variety of online financial education resources such as articles, videos, downloadable podcasts, eBooks, worksheets, and financial calculators.

Identity Theft Coverage

South County Health provides staff protection against identity theft. The coverage reimburses identity theft victims for the following:

• Lost wages as a result of time taken off from work to deal with the fraud, including wrongful incarceration of up to $500 per week for four weeks.
• Notary and certified mailing charges for completing and delivering fraud affidavits or similar documents.
• Fees to re-apply for loans that were denied due to erroneous credit information due to identity theft.
• Long-distance telephone charges for calling merchants, law enforcement agencies, or credit grantors to discuss actual identity theft.
• Attorney fees incurred, with St. Paul Travelers Bond’s prior consent, for:
  • Defending suits brought incorrectly by merchants or their collection agencies
  • Removing criminal or civil judgments wrongly entered against the victim
  • Challenging information in a credit report

Voluntary Benefits

South County Health offers staff voluntary benefits that include vision care, accident indemnity insurance, cancer indemnity insurance, legal services plan, pet insurance, and MetLife Auto & Home--group insurance program.

403(b) Retirement Plan

Whether your retirement is three or thirty years away, the South County Hospital 403(b) Retirement Plan offers a powerful way to enhance your long-term financial well-being.

We encourage you to invest in yourself and your future by participating in this plan through Transamerica.

Transamerica is a firm dedicated exclusively to providing retirement savings plans, with all of its resources focused on
giving you the planning tools and guidance you need to achieve your retirement goals.

From the day you’re hired through the years you’re retired, this Plan of a Lifetime program will support you through
each stage of the retirement planning process.