GHS Benefits

GHS HEALTH PLAN 

  • A Preferred Provider Organization (PPO)
  • Available to full-time and part-time employees and their dependents­
  • Two plan options:
  • Silver Plan - lower premiums with higher employee out-of-pocket costs
  • Gold Plan – higher premiums with lower employee out-of-pocket costs
  • Three-tier provider network
  • Coverage includes physician/specialist office visits, major medical expenses, outpatient surgery, lab and x-ray services, and prescriptions

GHS DENTAL PLAN

  • Available to full-time and part-time employees and their dependents
  • Preventive and diagnostic services paid in full
  • Coverage includes basic dental services, prosthodontic services, and orthodontic services for participants under age 19

VISION PLAN

  • Available to full-time and part-time employees and their dependents
  • Nationwide provider network
  • $20 eye exam copayment every 12 months
  • $20 frames and lenses copayment (up to $120 frame value) every 24 months or $105 contacts allowance every 12 months

HEALTH SERVICES BENEFIT

  • Discounted outpatient services for employees and their dependents 

SECTION 125 

  • Pre-tax contributions of costs for health, dental, and vision plans which lowers taxable income

  • Flexible Spending Accounts available to full-time and part-time employees
  • Medical Reimbursement Account – pre-tax contributions to account for reimbursement of anticipated medical expenses not covered by insurance

     Dependent Care Reimbursement Account – pre-tax contributions to account for reimbursement of anticipated dependent care expenses 

 

GROUP LIFE INSURANCE

  • Full-time employee benefit equal to 2 times base annual salary up to $500,000; premium paid by GHS
  • Voluntary election by part-time employees for $5,000 coverage
  • Covered employees may elect $2,500 dependent coverage  

GROUP ACCIDENT INSURANCE 

  • Full-time employee benefit equal to 2 times base annual salary up to $500,000; premium paid by GHS

  • Voluntary election by part-time employees for $5,000 coverage  

SUPPLEMENTAL HEALTH OPTIONS PLAN (SHOP)

  • Available to full-time and part-time employees and their dependents
  • Voluntary plan providing direct payment to employee for out-of-pocket medical expenses for wellness, physician office visits, lab and x-ray services, prescription drugs, hospitalizations, surgery and related services, at home nursing, emergency room visit, and ambulance services  

SUPPLEMENTAL GUL LIFE INSURANCE

  • Available to full-time and part-time employees and/or their spouse; child rider to policy available
  • Voluntary life insurance plan offering competitive group rates, guaranteed issue provision, portability, and cash accumulation features 

VOLUNTARY ACCIDENT INSURANCE

  • Available to full-time and part-time employees
  • Up to lesser of 10 times employee’s annual salary or $500,000
  • Family coverage available; spouse and children’s benefit is a percent of the employees selected coverage amount
  • Benefit is paid for loss due to injury occurring within 1 year of accident  

BUSINESS TRAVEL ACCIDENT INSURANCE

  • All employees covered upon employment
  • $50,000 accident coverage while traveling on official GHS business  

LONG TERM CARE (LTC)

  • Available to full-time employees and part-time employees scheduled to work 17.5 hours per week and extended family members
  • Voluntary asset protection plan in case of disabling illness or accident
  • Benefits paid directly to participant relating to:  Nursing Home Care, Alternate Care Facility Care, Community Based Professional Care, Stay at Home Benefit & Informal Care, Hospice Care, and Temporary Bed Holding Benefit
  • Choice of Daily Maximum Benefit options with inflation protection options  

PRE-PAID LEGAL PLAN & IDENTITY THEFT SHIELD

  • Available to full-time and part-time employees
  • Pre-paid Legal Plan – Legal assistance for employee, spouse, and eligible children
  • Identity Theft Shield – Free credit report and analysis, continuous credit monitoring; fraud restoration assistance; and $25,000 identity theft restoration reimbursement benefit 

LONG TERM DISABILITY INSURANCE

  • Coverage provided to full-time employees paid by GHS
  • Benefit equaling 60% of monthly base pay begins on 121st day of disability
  • Plan requires other income benefit offsets from benefit for workers’ compensation, Social Security Disability, and Early Retirement income  

SHORT TERM DISABILITY INSURANCE 

  • Available to full-time and part-time employees
  • Voluntary plan providing benefit up to 50% of monthly base pay (maximum $5,000/month) when disabled due to illness or injury
  • Coverage is portable when employment ends  

PENSION TRUST PLAN 

  • Non-contributory retirement plan
  • Employees are 100% vested after working 1,000 hours in 5 consecutive plan years
  • Normal retirement at age 65 or older; reduced early retirement benefit 

 

RETIREMENT SAVINGS PLAN 

  • All employees eligible to contribute to 403(b) account
  • Voluntary tax-deferred 403(b) savings plan with full-time and part-time employee matching 401(a) employer contributions
  • Voluntary tax-deferred 457(b) savings plan
  • Non-elective 401(a) plan for private practice and staff physicians  

SECTION 529 PLAN “FUTURE SCHOLAR PROGRAM” 

  • Qualified savings plan under Section 529 of IRS code for post-high school education for tuition, room & board, books, computers and other required supplies
  • Contributions and earning grow federally tax-free (state tax-free for SC residents)  

PAID TIME OFF (PTO) 

  • Full-time and part-time employees are compensated for time off for sick leave, vacation, leave of absence, and holidays
  • PTO accrues biweekly  

OTHER BENEFITS 

  • Adoption Benefit
    • $1,000 reimbursement of adoption expenses
    • Up to 12 weeks protected leave
  •  GHS Federal Credit Union membership
  •  Employee Assistance Program
  •  Employee Wellness Program
  •  Educational Assistance Program
  •  LifeCenter discount
  •  Employee Appreciation and Discount Program
  •  US Savings Bonds through payroll deduction

­Dependents include legal spouse, natural/adopted/step-children, child under legal custody, same-sex domestic partner, and children of same-sex domestic partner indicates available corporate discount plans, but not an endorsement of services or products          

 

Note:  If there is a discrepancy between the words of this Summary and the Plan documents, the text of the Plan documents govern.

 

Ed. 2/27/2008