Physician Benefits

Employees may choose from two plans:

• CHA Option (HMO) – requires that all covered members have a CHA Primary Care Provider (PCP) who manages their care and they receive all their care at CHA
• CHA Choice Plan – a tiered plan that allows employees flexibility as to where they receive services
  • Tier I offers care at CHA or BIDMC and its clinical affiliates with little or no co-pays
  • Tier II includes in-network provider care and requires a deductible and co-pays or co-insurance
  • Tier III allows for out of network provider care with a significant deductible and co-pay

Both plans are administered by Health Plans Inc. a wholly owned subsidiary of Harvard Pilgrim Health Care

• Dental coverage offered through Delta Dental
• Calendar year maximum per member/dependent is $1,500
• As a full time employee, 100% of your dental premium is covered
• As a part-time employee, a percentage of the premium is paid based on number of hours worked

• Coverage provided through Risk Management Foundation (CRICO)
• $5/$10 Million in coverage
• Modified Claims-Made Coverage

• Time and money provided for Continuing Medical Education Credits
• Provided on a fiscal year basis (7/1 – 6/30)
• Pro-rated by FTE and start date

• 224 hours of PTO for vacation and sick time
• 9 paid holidays
• Pro-rated by FTE and start date

• A percentage of your pay up to the Federal Limits contributed on a pre-tax basis
• Transamerica Retirement Solutions is the plan record keeper
• Match up to 2% of employee’s pre-tax contribution (1/3% for each 1% up to 6% employee contribution)
• A Discretionary Deposit of up to 2% is voted on annually by PO Board
• Full vesting after 2 years of service with 1000 hours completed each of the two calendar years
• Catch-up provision available for employees age 50 and over (these funds not matched)

• Coverage provided for short-term disabilities from the 7th day through the 90th day of a medically verifiable illness (including medical portion of Maternity Leave)
• Benefit paid at 70% percent of base weekly salary up to $3,000 weekly. Paid on a tax-free basis

• Coverage is provided for disabilities longer than 90 days and up to age 65
• The total amount of coverage is sixty percent of base monthly salary, with a maximum of $15,000 monthly. Paid on a tax-free basis

• A basic life plan benefit of one and one half times (1.5) your annual salary up to $300,000 for both life insurance and Accidental Death and Dismemberment (AD&D)
• Additional life or AD&D coverage may be purchased at the employee’s expense
• Coverage over the guaranteed issue amount requires evidence of insurability

• Employees may contribute to Flexible Spending Accounts to cover certain expenses with pre-tax dollars
• Health Care Spending Account – Used to set aside monies to cover out-of-pocket expenses not covered by medical or dental insurance plans
• Dependent Care Spending Account – Used to set aside monies to cover expenses for child care for a dependent child under the age of 13 which allows you and/or a spouse to work

Emergency day care benefit provided through Parents-in-a-Pinch

• Long-term dependent care assistance available via Child Care Resource Center referral service
• Contact number 855-781-1303 or at www.care.com/backupcare

• Independent employee assistance program, personalized counseling and legal services for employees and any household members
• Service is confidential and available 24 hours
• Service provided through KGA (Kathleen Greer Associates), 1-800-648-9557 or 508-879-2093

• Subsidized Parking and MBTA Pass Program
• MBTA Pass Program subsidized at 55% of the cost of a T Pass or Rail Pass. Savings up to a maximum of $50 per month
• Transportation department can be reached at 617-806-1516. More information is available on Staffnet

The Cambridge Health Alliance Physicians Organization benefit package is subject to change and all benefits are subject to rules of employee eligibility.