Benefit Choices for Today & Tomorrow

At Newport Hospital, for most benefits, employees are eligible to participate as of the first of the month following their date of hire. Others may require a short waiting period or require approval prior to coverage.

• Medical, Dental, Long-Term Disability and Life Insurance
• Retirement Program
• Vacation/Paid Time Off
• Work/Life Benefits, Resources and Programs
• Education Assistance

The cost of benefits in most cases is shared between the employee and Newport Hospital. The employee's share of the cost is determined by full-time or part-time employment status, the plan chosen and the number of dependents insured for medical, dental and/or legal coverage. Premiums are payroll-deducted either pre- or post-tax (depending on the type of benefit).

 

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Benefit Choices

Medical Insurance

Choosing a medical plan for yourself and your family is a personal decision based on your specific needs. This is why Newport Hospital provides a choice of two medical plans. These plans offer comprehensive health care services with varying levels of benefits. You can select the plan that best meets the needs of you and your family.

Both medical plans provide hospitalization, outpatient services and prescription drug benefits. The main differences between these plans are the deductibles, co-payments, co-insurance amounts, out-of-pocket maximums and plan costs.

Medical Insurance Coverage Options

• HealthMate Coast-to-Coast (PPO) - Blue Cross/Blue Shield of RI
  The PPO plan allows you to receive care from in-network or out-of-network providers. To receive the highest level of benefits you must obtain services through network providers. If you receive out-of-network care, you'll share more of the costs through deductibles and co-insurance. The PPO does not require that you select or have your care coordinated through a primary care physician (PCP). Most in-network hospital and diagnostic services are covered in full and physician visits are covered after a $15 co-payment, or $20 co-payment for some specialists. Each medical plan offers a different prescription drug benefit through the major pharmacies and other independent pharmacies.
• Blue Chip (HMO) - Blue Cross/Blue Shield of RI
  The HMO plan provides benefits only when care is received from providers within the HMO network. The HMO plan requires that you select a primary care physician (PCP) who will coordinate your health care needs. Out-of-network coverage is available in life-threatening, emergency situations only. Most hospital and diagnostic services are covered in full and physician visits are covered with a $15 co-payment. Out-of-network services are available after a $250 per person/$500 per family deductible, and covered expenses are covered at 80 percent. Each medical plan offers a different prescription drug benefit through the major pharmacies and other independent pharmacies
• No Coverage
  If you have other medical coverage and choose no medical coverage through Newport Hospital, you can receive taxable cash in lieu of benefits in your paycheck throughout the year.

Coverage for You and Your Dependents

When you enroll in medical coverage, you can choose coverage based on the number of dependents you are eligible to cover:

• Individual (for you only)
• Dual (for you and one dependent)
• Family (for you and one or more dependents)

You can cover the following dependents for medical coverage:

• Your spouse
• Your unmarried dependent children through the calendar year in which they turn 19 (or 23 if they are full-time students; up to age 26 for full-time students under Blue CHiP plan only)
• Your disabled dependent children over age 19 who meet plan eligibility requirements
• Your same-sex domestic partner or common-law spouse

Appropriate dependent verification documentation must be provided prior to dependent(s) coverage taking effect.

Prescription Drugs

When you enroll in a medical plan, you will automatically receive the prescription drug benefits of that plan. Each medical plan offers a different prescription drug benefit through the major pharmacies and other independent pharmacies.

Dental Insurance

Newport Hospital offers two comprehensive dental plans that include in-network and out-of-network benefits with coverage to accommodate your personal and family dental needs.

Dental Insurance Coverage Options

• DeltaUSA Option 1
  Provides 100 percent coverage for preventive and diagnostic services, as well as 100 percent coverage for minor and major restorative services. Provides 50 percent coverage for periodontics.
• DeltaUSA Option 2
  Provides 100 percent coverage for preventive and diagnostic services, as well as 100 percent coverage for minor and major restorative services. Provides 50 percent coverage for periodontics, prosthodontics and orthodontia (for dependent children only/$1,200 lifetime maximum).
• No Coverage
  If you choose no dental coverage, you can receive taxable cash in lieu of benefits in your paycheck throughout the year.

Coverage for You and Your Dependents

When you enroll in dental coverage, you can choose coverage based on the number of dependents you are eligible to include:

• Individual (for you only)
• Dual (for you and one dependent)
• Family (for you and one or more dependents)

You can cover the following dependents for medical and dental coverage:

• Your spouse
• Your unmarried dependent children through the calendar year in which they turn 19 (or 23 if they are full-time students)
• Your disabled dependent children over age 19 who meet plan eligibility requirements
• Your same sex domestic partner or common-law spouse

Appropriate dependent verification documentation must be provided prior to dependent(s) coverage taking effect.

Long-Term Disability Insurance

The long-term disability plan replaces a percentage of your income if you become disabled due to an illness or injury and you're unable to work for more than 180 days.

Long-term disability insurance coverage is provided at no cost to you. Coverage is 60 percent of pay to $6,000/month.

Basic Life and AD&D Insurance

If you should die or become seriously injured in an accident while you're employed at Newport Hospital, life and accidental death and dismemberment insurance could provide you and your family with an important financial "safety net."

Employee Life Insurance and AD&D Insurance Coverage is provided at no cost to you. This coverage is equal to 1 times your annual base pay.

In addition, you have the option to purchase supplemental coverage based on your annual base pay as follows:

• 1 x Pay
• 2 x Pay
• 3 x Pay
• 4 x Pay
• No Supplemental Coverage

The combination of basic and supplemental coverage maximum is 5 times your annual base pay. For those employees who take supplemental coverage, free will preparation services are available.

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Retirement Program

Newport Hospital's retirement program has been designed as a partnership between the hospital and you to help you plan ahead for your future. Newport Hospital will work with you, contributing and investing funds, to help you reach your retirement income goals. The retirement program has three components:

• Choice Core Account
  Newport Hospital provides an annual core contribution of 2% to 6% of annual pay based on years of credited service. You become eligible to participate on the first day of the month after you complete one year of service and have reached age 18. You receive a contribution for each calendar year in which you are credited with at least 1,000 hours of service.
• Choice Matched Savings Accounts
• Vesting
  Your own contributions to your account, plus investment earnings, are immediately vested. Newport Hospital's core and matching contributions are fully vested after you have completed three years of credited service.
• Supplemental Tax-Sheltered Annuity Account
  This program enables you to reduce pre-tax earnings and invest your pre-tax dollars in TIAA-CREF. You can choose from 10 investment funds. Newport Hospital does not match these contributions. The interest on your contributions accumulates on a tax-deferred basis.

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Paid Time Off

Holidays

The hospital observes the following holidays:

• New Year's Day
• Presidents' Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Thanksgiving Day
• Christmas Day

To be eligible for paid holidays, you must be regularly scheduled to work at least 20 hours per week. Part-time employees will receive pro-rated holiday time based on authorized work hours.

Time-and-a-half will be paid to all eligible employees for hours worked on the above-mentioned holidays, provided a minimum of four hours are worked. For Christmas Eve and New Year's Eve, any shift beginning at 3 p.m. or later will be paid time-and-a-half, provided a minimum of four hours are worked. If you work on Thanksgiving Day or Christmas Day, you will receive a free holiday meal in the cafeteria.

If you are benefit-eligible and scheduled to work the holiday, you have the option to receive the holiday benefit as additional pay based on authorized hours, or you may take time off within 60 days after the holiday. Failure to take time off within this time period will result in automatic payment of the benefit.

You may be given time off to observe personal religious holidays by substituting another holiday, taking earned time, or taking a day off without pay. Employees are eligible for various leaves of absence for medical, family, educational, military, bereavement, or other personal reasons.

Earned Time

Newport Hospital recognizes the need for employees to take time off from work for purposes of vacation, personal or family illness, or other personal needs. Compensation is provided for these absences through a benefit called earned time.

Earned time is flexible, allowing you to choose how your paid time off is used. Designated holidays, such as New Year's Day, Christmas, etc., are not part of earned time.

Eligible employees begin to accrue earned time with their first paid hour of employment. The amount of earned time that an employee is eligible to accrue is dependent on job category, length of service and the regular hours of the position. Annual earned time ranges from 20 to 30 days per year, prorated for part-time employees. Employees may take accrued earned time after three months of employment with their manager's approval.

Once a year, employees may choose to sell up to three weeks of earned time, in accordance with policy guidelines.

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Work/Life Benefits, Resources and Programs

Lifespan's Work/Life Initiative can help you get more out of both. We are working to make sure that all employees feel welcome at Lifespan and have the resources necessary to be successful in their jobs. We also recognize that our employees' personal lives play an important role in Lifespan's culture and success and we are committed to providing the support needed to balance work and life.

Workplace Flexibility

Lifespan values its employees and supports each department manager's decision to offer flexible work arrangements to his/her employees provided they are able to continue to provide the highest quality patient care and/or the highest quality customer service and fulfill the missions of the department and Lifespan.

Health and Wellness

• Employee Health Promotion Programs
  The hospital also offers employees a variety of health promotion programs. These include:
  • Weight management
    • On-site discounted Weight Watcher's programs
    • On-site yoga classes
    • On-site nutrition programs
  • On-site employee fitness center
  • Smoking cessation
  • Stress management
  • Wellness profile
  • Healthwise Handbook
  • Balancing work and family life
  
  As a Lifespan partner, Newport Hospital was honored with a Superior award at a recent worksite health award meeting. The Greater Providence Chamber of Commerce and the Good Health Benefit annually honor local companies that encourage their employees to lead healthy lifestyles and demonstrate a commitment to their employees' wellbeing. Newport Hospital is a recipient of the Gold-level Well Workplace Award by the Wellness Councils of America (WELCOA).
• Employee Health Services
  Newport Hospital offers employees a variety of services provided by the employee health department, such as:
  • Treatment of work-related injuries/illnesses
  • Pre-placement screening exams
  • Immunizations
• Employee Assistance Program
  This is a free, confidential service available as a benefit to all employees and their family members who need information, or assessment and referral to counseling or other resources. In addition they offer a fesource and feferral program for child care, elder care, legal and financial services.
• Lactation Support Program
  Lifespan is dedicated to fostering healthy babies and families, and is proud to offer parents additional support through our Workplace Lactation Program. Employees have access to a private room with a hospital-grade pump as well as a lactation consultant. Newport Hospital has been recognized by the Department of Health as a Breastfeeding-Friendly Workplace, winning the 2007 Gold Award.
• Employee Discount Programs
  • Pharmacy Discount Program
  • Computer Purchase Discount Program
  • Cellular phones and service
  • Showcase Cinemas tickets
  • Six Flags New England discounts
  • Universal Studios discounts
  • Community events/programs
• Workplace Conveniences
  • CollegeBoundFund with payroll deduction
  • U.S. Savings Bonds purchase through payroll deduction
  • On-site health sciences library
  • On-site cafeteria
  • On-site uniform sales
  • Direct deposit of paycheck to any bank
  • Non-smoking environment
  • Free parking

Child Care, Elder Care and Family Support

• Resource and Referral Services
  The Employee Assistance Program offers resource and referral services to employees who are in need of information or assistance for child care and elder care.
• Sick Child Care
  An on-site, sick-child care service is provided in the hospital's pediatric unit for children of employees. Children from six weeks to 14 years of age with common, temporary illnesses are eligible for care while you are working. The service is open 24 hours a day, seven days a week, when beds are available.
  
  You must pre-register your child; an updated immunization record is required, as well as other pertinent information. There is a small fee for registration and a minimal charge per hour when your child uses the service.
• Adoption Assistance Benefit
  This benefit is designed to offer adoption assistance, including financial reimbursement and resource and referral services, to benefit-eligible employees who are building families. Eligible expenses are reimbursed up to $2,500 for full-time employees and pro-rated for part-time employees, and limited to one per calendar year, with lifetime maximum of two covered adoptions.
• Dependent Care Flexible Spending Accounts
  You can contribute, on a pre-tax basis, up to $5,000 each calendar year in a dependent care spending account to pay for eligible dependent care expenses, including services for child care and elder care. A convenient debit-card option is available.
• Dependent Life Insurance
  The dependent life insurance plan pays you a benefit to help cover expenses if your spouse or child dies. If you choose coverage for your children, the plan covers all of your eligible children for the same cost.

Spouse Coverage Options: $10,000 $25,000 $50,000 No Coverage

Child Coverage Options: $5,000 $10,000 No Coverage

You can insure the following dependents for dependent life insurance:

 

• Your spouse (if not employed by Lifespan)
• Your unmarried dependent children through the calendar year in which they turn 19 (or 23 if they are full-time students)
• Your same-sex domestic partner or common-law spouse (if not employed by Lifespan)

• Long-Term Care Insurance
  Long-term care is not one service, but many different services aimed at helping people who have chronic conditions and are unable to care for themselves. Services may be needed within the home for day-to-day activities or in a nursing home if special attention is needed. Long-term care services are not always covered by major medical plans or are severely limited within Medicare and Medicaid.

Long-Term Care Coverage Options:

• $80 Daily Benefit
• $120 Daily Benefit
• $160 Daily Benefit
• $200 Daily Benefit
• No Coverage

Dependents Who Are Eligible for Coverage:

• Yourself
• Spouse (applicable to a legal spouse, common-law spouse or same-sex domestic partner)
• Parents (to age 80)
• Parents-in-law (to age 80)
• Grandparents (to age 80)
• Grandparents-in-law (to age 80)

Work/Life Benefits

• Education Assistance
  The Education Assistance Program is designed to encourage lifelong learning and the professional development of employees. Newport Hospital provides reimbursement for continuing education in the form of collegiate courses, programs, and workshops, as well as acquisition of professional continuing education units (CEUs). All benefit-eligible employees who have completed the six-month introductory period prior to the first scheduled class are eligible for education assistance. You must be actively employed at the time the course is completed in order to receive the benefit. Upon proof of successful completion of an approved course, Newport Hospital will reimburse 75% of tuition costs, including required fees, up to an annual maximum of $1,250 for full-time employees and $625 for part-time employees.
• Educational Development
  Newport Hospital recognizes the need to provide education to expand and enrich job knowledge and skills. Prior to each academic year, the education department conducts a needs analysis with the directors and managers of all departments to determine learning needs. Conferences, workshops, satellite programs, and skill-building sessions are developed to help meet some of those needs. These programs are open for all employees to attend. Many of these programs provide you with CEUs, and a record of all the programs you attend is maintained by the education department. Every twelve months, you will be provided a hospital-wide and department-specific safety training program. More about the department and upcoming programs
• Relocation Assistance
  Individuals who are offered, accept and begin full-time employment may be eligible for reimbursement towards eligible and approved relocation expenses, in accordance with Lifespan policy.
• Legal Services
  With legal services you can help protect your rights in some of life's most frustrating situations. You can protect yourself and your financial security if expensive legal services ever become necessary.

Legal Services Coverage Options:

• Individual (for you only)
• Dual (for you and one dependent)
• Family (for you and two or more dependents)
• No Coverage

You can cover the following dependents for legal services:

• Your spouse
• Your unmarried dependent children through the calendar year in which they turn 19 (or 23 if they are full-time students)
• Your disabled dependent children over 19 who meet plan eligibility requirements
• Your same-sex domestic partner or common-law spouse

• Health Care Flexible Spending Accounts
  You can set aside up to $3,000 on a pre-tax basis each calendar year in a health care spending account to pay for eligible un-reimbursed health care expenses, including deductibles, medical and dental co-payments and vision care. A convenient debit-card option is available.
• Auto/Homeowners Insurance
  You can save on insurance for automobiles, boats, and home/condo/renters all through the convenience of payroll deductions. You can also save more with money-saving discounts on anti-theft and safety devices, driver safety courses, etc.
• HIV Insurance
  HIV insurance provides you a lump sum payment should you test HIV positive while covered by the plan. The benefit provides 24-hour coverage and is payable in full at the time of the claim. If you elect this coverage, the insurance company will require a confidential, valid, negative test result for HIV. The test must be performed by a representative from the insurance company.
  
  HIV Insurance Coverage Options:
  • $25,000
  • $50,000
  • $100,000
  • $150,000
  • $250,000
  • No Coverage
• MyHealthAdvocate
  This service provides expert help, guidance and support to make sure employees get the most from their Lifespan health and pharmacy plan.
• Employee Fund
  Whether it be a fire that has destroyed your home or a serious illness that has stricken your child, your fellow employees want to help. The Employee Fund was created to provide financial assistance when an unexpected catastrophic event has left them with nowhere else to turn. Unlike employee loan programs, money granted through the Employee Fund does not have to be paid back. The fund is managed by a committee of diverse employees who determine whether to grant or deny a request based on established guidelines.
• Work/Life Lunch and Learn Sessions
  Each Lifespan affiliate offers quarterly programs on topics such as College Planning, Caring for Elders, Balancing Work and Family, Advance Directives, How to Talk to Your Children About Risk Taking, Managing the Holidays, Gardening 101, Adoption and Foster Care, and more.