St. Clair Hospital offers employees medical insurance through a choice of carriers including Highmark, UPMC Health Plan (narrow network), or United Health Group (UMR). All medical plans include prescription drug coverage through Optum-RX. Spousal coverage is available for those who do not have employer group health coverage available. Coverage is effective the first day of the month following 30 days of service.
Dental insurance is offered through either the MetLife network or Highmark (United Concordia Advantage Plus network), which gives eligible employees access to a national dental network. St. Clair Hospital’s dental plan is unique, with no annual deductible and an extensive list of providers. Coverage is effective the first day of the month following 30 days of service.
St. Clair Hospital offers vision insurance through either VSP (narrow network) or Highmark Fashion Focus (Davis Vision broad network). A distinguishing factor of St. Clair’s vision plan is its annual exam and corrective vision eyewear benefit. Reduced, out-of-network coverage is also provided.
All full and part-time employees are covered with life insurance equal to one times their annual salary (rounded to the nearest thousand), as well as accidental death and dismemberment (AD&D) insurance. Additional life insurance is available via payroll deduction in volumes of one, two or three times an employee’s annual salary. Dependent life insurance is also available upon purchase of supplemental life insurance.
Short term disability voluntary insurance is available through Lincoln Financial Group. The short term disability policy provides employees with a weekly portion of their base salary for a predetermined amount of time based upon the plan employees’ purchase. Short term disability insurance may be payable for illness or injuries excluding on-the-job injuries which are covered by workers compensation.
Long term disability insurance is provided to all full time employees on January 1st following date of hire and is insured through Lincoln Financial Group. The plan may provide monthly benefit payments for long term absence due to illness or injury after a six-month elimination period. The benefit payment is 60% of an employee’s base monthly earnings subject to plan maximum benefits.