Staff Benefits

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 and BlueSolutions through Blue Cross Blue Shield of RI. Both plans provide access to the broad national network of hospitals and physicians through the BCBS BlueCard Network.

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

BlueSolutions

BlueSolutions is a high deductible health plan (HDHP) designed to give you more control over how you spend your health care dollars. You pay lower bi-weekly contributions, but more when you receive care. You’ll receive most preventive care at no additional cost and pay for other services out of pocket until you meet your deductible.

A HDHP also includes a Health Savings Account (HSA). You own the account, and your account earns interest. Contributing to your HSA can help you save for your health care needs.

South County Health offers two dental plan options for our staff through Delta Dental 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.

Both Delta 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 Delta Dental, you will still be covered at dentists outside the 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. Please visit deltadentalri.com and click “Find a Dentist” to confirm if your dentist is in network with Delta Dental.
• Lower Out-of-Pocket Costs: Because Delta Dental 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 AD&D provides 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 on yourself, your spouse and your dependent children.

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 benefit waiting period, be under the appropriate care of a physician, and meet all other terms and conditions of the Plan.

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.

An Employee Assistance Program (EAP) is a specialized benefit offered by employers to support employees and their family members in overcoming work-life challenges. Coastline EAP resolves issues impacting one’s career, well-being, and/or mental/emotional health through consultation, assessment, or referral. With Coastline EAP, we empower employees facing life’s challenges to support a healthy, productive workplace environment. Coastline EAP is available to SCH Staff and their family for confidential consultation or support anytime, day or night. Coastline EAP maintains strict adherence to State and Federal laws, including HIPAA, governing the confidentiality of medical records and communication of personal health information.

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 have access to a wide variety of online financial education resources
  such as articles, videos, downloadable podcasts, eBooks, worksheets and financial calculators.

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 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 an 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

South County Health offers staff voluntary benefits that include vision care, accident, critical illness, legal services plan, pet insurance, and auto & home group insurance programs.

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 will support you through each stage of the retirement planning process.