A wealth of opportunity
A wealth of opportunity
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Core Benefits at Roper St. Francis

Roper St. Francis Health Care Offers the Following Benefits:
• Health Insurance including prescriptions
• Vision Insurance
• Dental Insurance
• Flexible Spending Accounts
• Term Life Insurance
• Accidental Death & Dismemberment Coverage
• Whole Life Insurance
• Long Term Disability
• Supplemental Long Term Disability
• Short Term Disability
• Long Term Care Insurance
• Cancer/ICU/Specified Illness Coverage
• Critical Illness Coverage
• Pet Insurance
• Legal Shield and Identity Theft Services
• Retirement Savings & Tax Deferred Annuity 

Health Insurance
• Available to full-time and part-time employees
• $25 primary care physician/$50 specialist physician co-pay in network, 100% benefit thereafter
• 80/20 co-insurance plan with $1,000/$2,000 deductible
• 70/30 co-insurance Consumer Driven Health Plan with $2,000/$4,000 deductible
• Hospital and mental health benefits
• Prescription Drug card
• 100% coverage on annual routine & preventive care benefit

Urgent Care benefit
• Employee only, employee  + spouse, employee + child(ren), employee + family
• Coverage begins the 1st of the month following 30 days of employment or benefit eligibility
• Premiums are paid with pre-tax dollars

Vision Insurance
• Available to full-time and part-time employees
• In network copay plan
• $225 annual allowance for glasses and contacts
• Up to 20% discount after allowance for glasses and contacts
 
Dental Insurance
• Available to full-time and part-time employees
• Diagnostic & Preventive services covered at 100% of usual & customary
• Basic services covered at 80% of usual & customary
• Major/Prosthodontic services covered at 50% of usual & customary
• $50 individual/$150 family deductible for basic and major services
• Annual individual benefit maximum is $1,000 
• Coverage begins the 1st of the month following 30 days of employment or benefit eligibility
• Premiums are paid with pre-tax dollars

Flexible Spending Accounts
• Available to both full-time and part-time employees
• Up to $2,500 pre-tax dollars can be set aside for medical expenses not covered by the health plan
• Debit Card available
• Up to $5,000 pre-tax dollars can be set aside for work-related child care and dependent care expenses
• Employees are eligible for savings the 1st of the month following 30 days of employment or benefit eligibility

Health Savings Account (HSA)
• Available to both full-time and part-time employees enrolled in the Consumer Driven Health Plan
• Up to $3,300/$6,550 pre-tax dollars can be set aside for expenses not covered by the health, dental, vision or prescription plan(s)
• RSF will fund $275 for employee only coverage and $550 for all other coverage levels
• Employees are able to use an existing HSA or open one at any bank of their choice
• No "Use it or Lose it" rule with HSA

Term Life Insurance
• Available to full-time employees
• 100% company paid basic employee coverage at one times annual salary up to $125,000
• Supplemental employee coverage available up to four times annual salary, 100% employee paid and portable
• Dependent coverage available for spouse and dependent children, 100% employee paid and portable
• Coverage begins 90 days from date of employment or benefit eligibility
 
Accidental Death & Dismemberment Coverage
• Available to full-time employees enrolled in basic employee term life insurance
• 100% company paid
• Covers up to one times annual salary up to $125,000 in the event of accidental death or dismemberment
• Seat Belt Provision pays an additional 10% up to a maximum of $12,500
 
Whole Life Insurance
• Available to full-time and part-time employees
• Traditional life insurance with a fixed death benefit
• Builds cash value at a guaranteed rate
• Coverage available for employee, spouse, children and grandchildren
• Coverage is portable
 
Long Term Disability
• Available to full-time employees
• Designed to replace a portion of salary if unable to work due to disability
• Benefit payment is based on 60% of regular base salary upon claim approval
• 100% company paid after 5 years of continuous enrollment
• Coverage begins 90 days from date of employment or benefit eligibility
 
Supplemental Long Term Disability
• Available to full-time employees
• Designed to work in conjunction with the traditional long term disability plan
• Provides up to an additional 15% of monthly income
• Benefits are tax free
 
Short Term Disability
• Programs available for both full-time and part-time employees
• Designed to provide short-term income protection in the event of a covered extended illness or disability
• Benefit payment is up to 60% of regular base salary upon claim approval
• Coverage is portable
 
Long Term Care Insurance
• Available to full-time and part-time employees
• Provides coverage for nursing home facility, assisted living facility, and professional home care
• Choose from four plan options
• 3 year, 5 year, or unlimited facility benefit duration options
• 5 percent inflation rider available
• Coverage begins 90 days from date of employment or benefit eligibility
 
Cancer / ICU / Specified Illness Coverage
• Available to full-time and part-time employees
• Provides reimbursement for cancer/ICU/specified illness non-medical charges
• Premiums are paid with pre-tax dollars
• Coverage begins upon approval by carrier
• Coverage is portable
 
Critical Illness Coverage
• Available to full-time employees
• Provides a lump-sum benefit up to 100% of the policy's face amount payable in the event of a covered specified critical illness
• Covered illnesses are heart attack, stroke, major organ transplant, permanent paralysis, and coronary artery bypass
• Coverage riders available for spouse and children
• Coverage is portable
 
Pet Insurance
• Available through payroll deduction to full-time and part-time employees
• Policies available for canines, felines, avians and exotics
• Vaccination & Routine Care rider available
• Choose from Superior and Standard coverage
• Plans pay 90% of benefit schedule amount after $50 per incident deductible
• Coverage begins upon approval by carrier
• Coverage is portable
 
Legal Shield and Identity Theft Services
• Available to full-time and part-time employees
• Provides access to legal services for professional and personal use
• Benefits include phone consultations, phone calls, letters, contract & document review, a free will, and 24 hour Legal Shield emergency service
• Coverage begins upon approval by carrier
• Coverage is portable
 
Retirement Savings & Tax Deferred Annuity
• Long term pre and post tax exempt savings through payroll deduction
• Automatic enrollment at 4% pre-tax contribution 1st pay date following 30 days of employment (may opt out or change elections at any time)
• Employer matches $.50 on the $1.00 up to 4% of pay 0-9 years of service and $.50 on the $1.00 up to 6% of pay 10+ years of service, once per year
• 100% vested in all money deposited after 3 years of service working 1000 hours each year
• Company may make discretionary annual contribution up to 2% of annual pay