Core Benefits at Roper St. Francis

Roper St. Francis Health Care Offers the Following Benefits:

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 $500/$1500 deductible
90/10 co-insurance High Deductible Health Plan with $1,250/$2,500 deductible
Hospital and mental health benefits
Prescription Drug card
100% coverage on annual routine & preventive care benefit

Urgent Care benefit

Employee only, employee +1, 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

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 with the Health Flexible Spending Account
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 High Deductible Health Plan
Up to $3,250/$6,450 pre-tax dollars can be set aside for medical expenses not covered by the health plan
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
Employees are eligible for savings the 1st of the month following 30 days of employment or benefit eligibility

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

Long Term Disability

Supplemental Long Term Disability

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

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

Pre-Paid Legal 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
Company may make discretionary annual contribution up to 2% of annual pay