Please direct benefit questions to achBenefits@jhmi.edu.
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Medical Insurance
Cigna Medical Insurance
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
| Annual Max |
Unlimited |
Unlimited |
| Maximum Out of Pocket: |
Individual/Family |
Individual/Family |
| In Network: |
$2,000/$4,000 |
$3,000/$6,000 |
| Out of Network: |
$10,000/$20,000 |
— |
Medical Services Calendar Year Deductible:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
| In Network: Individual |
$1,000 |
$2,000 |
| In Network: Family |
$2,000 |
$4,000 |
| Out of Network: Individual |
$6,000 |
— |
| Out of Network: Family |
$12,000 |
— |
| Employer Funded Health Reimbursement Account (HRA): |
N/A |
$600/$1,200 |
Out Patient Surgery:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
| In Network: |
90% after Deductible |
90% after Deductible |
| Out of Network: |
50% after Deductible |
— |
Emergency Room Visits:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
In Network:
*Co-Pay Waived if Admitted |
$200 Co-Pay*
90% after Deductible
100% after Co-Pay if JHACH |
$200 Co-Pay*
90% after Deductible
100% after Co-Pay if JHACH |
Out of Network:
*Co-Pay Waived if Admitted |
$200 Co-Pay*
50% after Deductible |
$200 Co-Pay*
50% after Deductible |
Urgent Care Center Visit:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
| In Network: |
$50 Co-Pay/100% Visit Charge
90% Other Charges after Deductible |
$50 Co-Pay/100% Visit Charge
90% Other Charges after Deductible |
| Out of Network: |
$50 Co-Pay/50% Visit Charge
50% Other Charges after Deductible |
— |
Physician's Office Visit:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
| In Network: |
$30 Co-Pay
($50 Specialist Co-Pay)
90% Other Charges after Deductible |
$25 Co-Pay
($40 Specialist Co-Pay)
90% Other Charges after Deductible |
| Out of Network: |
$30 Co-Pay
50% Other Charges after Deductible |
— |
MD Live:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
| Providers are In Network: |
$20 Co-Pay |
$20 Co-Pay |
| |
|
|
Wellness Care:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
| In Network: |
100% |
100% |
| Out of Network: |
No Coverage
Employee pays 100% |
No Coverage
Employee pays 100% |
Prescription Benefit Plan:
| |
OAP Plan |
Consumer Driven Plan (CDP)/HRA |
Pharmacy Calendar Year Deductible
CVS/Caremark, Retail and
JHACH Outpatient Pharmacies |
Mail Order (up to a 90 day supply)
$75 deductible
Generic = $10 or less/month
(No deductible for generic)
Formulary = 20% Co-Pay
Non-formulary = 40% Co-Pay |
Mail Order (up to a 90 day supply)
$75 deductible
Generic = $10 or less/month
(No deductible for generic)
Formulary = 20% Co-Pay
Non-formulary = 40% Co-Pay |
Medical – Cigna CDP
Consumer Driven Plan (CDP) with Health Reimbursement Account (HRA)
| Employee Cost Per Pay Period |
Cigna CDP/HRA Plan |
| Classified hours per week |
20-40 |
| Employee Only: |
$58.43 |
| Employee + Child(ren): |
$98.99 |
| Employee + Spouse: |
$129.53 |
| Employee + Family: |
$156.57 |
Medical - Cigna Open Access Plan (OAP)
| Employee Cost Per Pay Period |
Cigna OAP Plan |
| Classified hours per week |
20-40 |
| Employee Only: |
$104.01 |
| Employee + Child(ren): |
$185.58 |
| Employee + Spouse: |
$220.68 |
| Employee + Family: |
$302.41 |
|
Note: Benefits are deducted from each of the 26 pay periods per year.
|
Dental Insurance
Cigna Dental Insurance
| |
In Network
|
Out of Network
|
| Calendar Year Maximum: |
$1500
|
$1500
|
| Calendar Year Deductible: |
Individual $50/Family Limit of 2
|
|
| Preventive Services: |
100% Deductible Waived
|
|
| Basic Services: |
90% after Deductible
|
80% after Deductible
|
| Major Services: |
60% after Deductible
|
50% after Deductible
|
Orthodontic Services:
(Lifetime maximum of $2,000) |
50% after Deductible Lifetime Maximum of $2000 per individual
|
|
|
Wisdom Tooth Extraction
(lifetime Maximum of $4,000)
|
90% after Deductible
|
80% after Deductible
|
| Dental Coverage Cost Per Pay Period |
|
| Classified Hours per week |
20-40 |
| Employee Only: |
$11.17 |
| Employee + Child(ren): |
$23.17 |
| Employee + Spouse: |
$35.31 |
| Employee + Family: |
$46.10 |
| Note: Benefits are deducted from each of the 26 pay periods per year. |
Vision Care
| Coverage |
Frequency |
Cost |
| Exams |
Once every 12 months |
$10 copay |
| Lenses |
Once every 12 months |
Covered in full*
For progressive – see benefit sheet |
| Frames |
Once every 12 months |
$175 retail allowance in-network |
| Contacts |
Once every 12 months |
$175 retail allowance in-network |
| Materials |
Once every 12 months |
$10 copay |
Vision Care Cost Per Pay Period
|
|
| Classified Hours per week |
20-40 |
| Employee Only: |
$1.69 |
| Employee + Child(ren): |
$3.05 |
| Employee + Spouse: |
$3.39 |
| Employee + Family: |
$5.08 |
| Note: Benefits are deducted from each of the 26 pay periods per year. |
|
Education
| Benefit |
Cost to Employee |
|
Employee and Management development programs, In-Service Education, Nursing and other Professional Continuing Education Units and computer training.
|
None! |
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Flexible Spending Accounts
| Benefit |
Cost to Employee |
| Pre-tax money set aside in Excess Medical and Dependent Care accounts for future reimbursements. |
Employee sets amount |
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Life Insurance
| Benefit |
Cost to Employee |
| Policy value equal to annual salary for Basic Life |
None! |
| Eligible after the first of the month following date of hire |
|
Optional Supplemental Life Insurance available to employees and
family members on payroll deduction |
Varies
(See below) |
Supplemental Life Insurance
| Eligibility |
You are eligible if you are an active full time Employee who works at least 20 hours per week on a regularly scheduled basis.
|
| Coverage Effective Date |
Coverage goes into effect on the first of the month following date of hire.
|
| Benefit Amount |
You can purchase Supplemental Life Insurance in increments of 1 times your annual Salary up to 7 times your annual Salary.
|
| Spouse Supplemental Life Insurance |
If you elect Supplemental Life Insurance for yourself - you may choose to purchase Spouse Supplemental Life Insurance with coverage amounts of $10,000 - $250,000.
|
| Child(ren) Supplemental Life Insurance |
If you elect Supplemental Life Insurance for yourself - you may choose to purchase Child(ren) Supplemental Life Insurance with coverage amounts $5,000 - $25,000.
|
Group Term Basic Life Insurance
Johns Hopkins All Children's Hospital provides group term basic life insurance equal in amount to your annual base rate, rounded up to the nearest $1,000.00. Annual base rate means your regular rate multiplied by the number of hours regularly scheduled to work.
If you are eligible, this coverage becomes effective on the first of the month following date of hire. Employees classified to work 19 hours or under per week are not eligible for the group term basic life insurance benefit.
Long Term Disability
| Benefit |
Cost to Employee |
| Income protection for 60% of salary after 180 days of disability. |
Varies |
| Eligible after 6 months. |
Varies |
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Paid Time Off (PTO)
| Benefit |
Cost to Employee |
| Can be used for Vacations, Sick Time, Personal Time, etc. |
None! |
| Available after 3 months |
|
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Holiday Pay
| Benefit |
Cost to Employee |
| 7 paid holidays provided each year |
None! |
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Retirement Plan
| Benefit |
Cost to Employee |
| 100% vested after 5 years of service. You must work at least 1,000 hours/year. |
None! |
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Short-Term Disability Insurance
| Benefit |
Cost to Employee |
|
Short Term Disability
Income protection for 60% of weekly salary after 7 days of disability. Effective on the first of the month following date of hire.
|
None! |
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| Benefit |
Cost to Employee |
|
Extended Illness Bank
Employees may accumulate up to 120 paid hours for time missed resulting from a personal illness or injury that causes them to miss more than 40 hours of work.
Employees classified to work 29 hours or under per week are not eligible to accrue extended illness bank hours.
|
None! |
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403b Savings Plan
| Benefit |
Cost to Employee |
| Exceptional retirement savings program with matching funds of $.50 for every $1.00 on the first 6% of employee deferral. |
Employee sets amount! |
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Tuition Assistance
| Benefit |
Cost to Employee |
| Prepaid tuition for approved courses leading to a reasonable career path at the hospital. Annual benefit up to $5,250 for undergraduate and graduate level. Eligible after 90 days of employment. |
None! |
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Additional Benefits
| Free Parking |
Employee Gift Fund |
Notary Services |
| Security Escorts & Shuttle |
Employee Recognition
Awards |
On-site ATMs |
| Direct Deposit |
Bereavement Leave |
Medical Library |
| Jury Duty Leave |
Relocation Assistance
(Certain Positions) |
Wellness Program |
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Discounts
| Cafeteria: Meals at discount prices |
| Gift Shop: 10% discount on selected items |
| Discounts on selected entertainment, recreation & services |
| |
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