Welcome to your 2020 Open Enrollment
View Your Benefits Information
Complete Your Benefits Enrollment
Click here if you are a new hire to San Antonio Regional Hospital...
Click here if you are initiating a Mid-Year Enrollment due to a Status Change...
View Your New Hire Checklist
Information available November 1
Choose Your Plan:
Core Advantage EPO Aetna POS Aetna HMO
Click here to visit our Virtual Benefits Fair!
FInd A Doctor
Health and Wellness Benefits Gateway
Click here if you are ready to get started on your Wellness journey...
Complete Your Mid-Year Enrollment
View Eligibile Mid-Year Changes
View The Family Status Change Document
View Your Wellness Program Information
Visit the 4URHealth Wellness Portal (SARH4URHealth.org)
View Your Benefits INformation
Welcome to your 2021 Open Enrollment
Learn More
San Antonio Regional Hospital Care Team Members are on the go! And while you are on the go, we want to make sure you have information about your benefits at your fingertips. We’ve compiled a list of apps associated with your benefit offerings in the new Mobile Apps section of this site. Simply locate the App Center on your mobile device or tablet, search by the name of the app you wish to download, match the image and name of the app that we've provided for you, and download.
TAKING CARE OF YOU
Support for the whole YOU - and all that you do
BENEFITS INSIGHTS
Register
New Hires
Support for Life's Moments
Wellness
Find A Doctor
Welcome to San Antonio Regional Hospital! Click here to access important information about the benefits available to you and resources for making your benefit elections for the current Plan Year. When you are ready to make your benefit elections, click the "ENROLL" button at the top of this page.
Life is made up of impactful events. Some have you smiling from ear-to-ear. And some have you wanting to pull the covers over your head. But whatever the event calls for, SARH’s benefits can help make the going a little easier. So, gear up now! Click here for more!
The 4URHEALTH Wellness Program provides you year-round opportunities to better yourself and earn cash rewards for doing so. Enrolled in or interested in the EPO Plan? Meet specified requirements and earn a discounted premium for 2023.
View a short Video ON YOUR FSA
Engage with a Wellness Coach in a confidential, telephone session that will provide you personalized guidance on making healthy improvements in your life - and help you earn 15 wellness points per session (up to 4 sessions available through Dec. 15).
SCHEDULE YOUR HEALTH COACHING APPOintment today!
4URHEALTH WELLNESS
CLICK HERE FOR MORE INFORMATION
Virtual BenefIts Fair
This Month's
Enroll
Click Here to View The Family Status Change Document
Year-Round Benefits Resource
Whether you are looking for information about a particular benefit, comparing your options, or needing access to resources provided by one of our benefit partners, SARH4U.ORG provides you what you need. To access details about your benefits, use the "Menu" option at the top right corner.
Virtual Benefits Fair
Contacts
There is so much to think about these days. Your physical and mental health have been a major focus as we have navigated this past year. However, to complete the focus on an overall WELL U, we know we need to put your financial well being in the spotlight. Just the thought of digging into your financial well being stress you out? Take a deep breath. Lincoln Financial Advisors are ready to guide you. For information on how SARH – and Lincoln Financial Advisors – are supporting you, CLICK HERE.
Are You Retirement Ready? Mark Your Calendars
San Antonio Regional Hospital Team Members are on the go! And while you are on the go, we want to make sure you have information about your benefits at your fingertips. We’ve compiled a list of apps associated with your benefit offerings in the new Mobile Apps section of this site. Simply locate the App Center on your mobile device or tablet, search by the name of the app you wish to download, match the image and name of the app that we've provided for you, and download.
It's time to choose your benefits. Benefits Open Enrollment is November 1 - November 15
Learn more about your 2022 Benefits
View the Virtual Benefits Fair
IN 2022
Make sure you are rewarded for the time you've invested in yourself.
Click here for more information
LET'S TALK WELLNESS! The 2021 Wellness Points Program ends on December 15th.
Changes for 2022
Benefit Insights
In this past year – and even still today as we continue to see the impact of COVID - a major emphasis has been placed on physical health. Because you are part of our team – and an important person to San Antonio Regional Hospital - we’ve focused heavily on making sure you have the resources to focus on your mental and financial health as well. In a nutshell, we need an overall WELL U – a you that is able to balance your physical, mental and financial well-being at work and at home. If just the thought of financial wellness stresses you out and makes you want to pull the covers over your head, it’s ok. SARH – along with our partner the Lincoln Financial Group (LFG) - is here to support you as you work to be more confident and “less stressed” about your financial future.
August Edition: Saving for Retirement
Here are some easy options to start moving in the right direction:
• Meet with a Lincoln Financial Advisor on Retirement Readiness Day (August 10, 2021) SCHEDULE YOUR APPOINTMENT TODAY! Receive a complimentary, personalized calculation of how much you will need to enjoy the retirement you have planned AND get the chance to speak to an advisor about your personal 401(k) plan and the best ways to invest. Use the links below to schedule your appointment time with Sean, our dedicated Financial Advisor: Virtual/Phone: https://calendly.com/seanhooper-lfg/san-antonio-regional-hospital-account-reviews Onsite, In Person, Tuesday Meetings: https://calendly.com/seanhooper-lfg/sarh_accountreviews_inperson • Take advantage of the opportunity to receive Hospital contributions to your 401(k). If you are contributing to the 401(k), the Hospital will too. The Hospital will match up to 50% of contributions you make each paycheck (up to 5%). Check your contributions and make sure you are contributing at least 5% of each paycheck.
Two easy steps = a little less financial stress about your future.
For more information about retirement programs and education SARH provides, click here.
Let’s use this example: If you make $2,000 per paycheck, a 5% contribution would be $100 per paycheck. Then, SARH contributes $50, which is half of what you contribute. A total of $150 is directly deposited into your 401(k) account.
How much is 5%?
Where To Start
What’s Changing
Benefits Enrollment: November 1 - November 15
You may make changes to your benefits if you experience a qualified status change or life event such as: • Marriage, divorce or legal separation • Birth or adoption of a child • You or a dependent experience a job change and gain or lose coverage For a complete list of qualified status changes, click here. How do I make a change? Call the San Antonio Benefits Team if you experience a life event. You have 31 days from the date of the event to make a change to your coverage. Important: Changes must be made within 31 days of the qualified status change or life event.
Mid-Year Change Information
Your participation in the Wellness Programs depends on the medical benefit for which you are enrolled. • If you enroll in the PPO or HMO, or you decide not to elect medical coverage through San Antonio Regional Hospital, you have the option to participate in the Voluntary Wellness Program. • If you enroll in the CHOICE Plan, your participation in the CHOICE Wellness Program is a requirement in order for you to continue receiving the 25% annual premium credit on the cost of your health care insurance. For complete understanding of your wellness program, click here. Note for New Hires: If you are new to San Antonio Regional Hospital, your wellness opportunity may look different for the first year. For more information, click here.
If you would like to explore the Wellness Experience
In an effort to personalize the way you enroll and provide you and your family an opportunity to ask questions and get answers that are directly related to your situation, San Antonio Regional Hospital has partnered with DirectPath to provide one-on-one enrollment meetings with a Benefit Educator. Although you still have the opportunity to enroll on your own thorugh our self-service portal, if you choose to utilize the Benefit Educators, your personal Benefit Educator will: · Walk you through the benefits available for 2018. · Answer any questions you have regarding what benefits will best meet your needs. · Complete your enrollment for you and provide an enrollment confirmation. For more information on your enrollment options, click here.
A New Way To Enroll:
If you would like to print your new hire checklist, click here
It’s time to take action and make sure you have the coverages you want and need. Use this checklist and step-by-step instructions to help you through the enrollment process: • Enroll in Health and other insurance benefits within 31 days of your date of hire. Example: If your date of hire is July 7, your enrollment deadline is August 6. Go to "Enrolling for Coverage" and click "Enrolling in Health and Welfare Benefits" for enrollment instructions. If you would like to participate in the Wellness Program, you have 90 days from your date of hire to join. Click here for information on the San Antonio Regional Hospital Wellness Experience. IMPORTANT: Everyone must complete the enrollment process, even if waiving coverage. If you miss the deadline, you must wait until the next Annual Open Enrollment Period to enroll, unless you have a qualified status change/life event (click here for mid-year changes). Note: You will only have Basic Life and AD&D (for full-time and part-time employees) and Core LTD coverages (for full-time employees) if you miss your enrollment deadline. • Provide verification of dependent status to the San Antonio Benefits Team by your enrollment deadline (31 days from date of hire). Go to "Enrolling for Coverage" and click "Verifying Your Dependents" for a list of documentation and steps required to prove dependent status. • Enroll in the 401(k) Retirement Savings Plan. Go to "Enrolling for Coverage" and click "Enrolling in the 401(k) Savings Plan" for enrollment instructions. Don’t miss out on per pay period matching contributions to your account.
You’ve gone through New Hire Orientation and heard a lot of important information about San Antonio Regional Hospital’s benefits program. Now What?
Where do I Start?
If you are a new hire, click here
If you are experiencing a mid-year change and need to enroll, click here
If you are here as a new hire, because of a change in status or because you would like to explore the Wellness Opportunity, click the buttons below for steps you need to take:
Understand Your Benefits
Verify Dependents
3
2
1
STEP THREE: Make sure you verify any dependents you enroll. Here’s how: You have 31 days from your date of hire/qualifying change in status to provide documentation that verifies dependent eligibility. You can enroll: • Your spouse • Your child(ren) up to age 26 Note: An adult child ages 19 to 26 who is employed and eligible for coverage through his/her employer is not eligible. • Children that you have adopted (or who have been placed with you for adoption) or for whom you have legal guardianship. • Disabled children of any age. How Do I Submit Documentation? Submit documentation to HR by your enrollment deadline. Choose the method that you feel most secure: • Upload through the Benefits Enrollment Site Note: This is the most efficient way to verify dependents. Instructions are provided once you log into the Benefit Enrollment site, click on “Action Needed,” and “Verify Your Dependents.”) • In person • Via email - mciaravino@sarh.org or rstewart@sarh.org • Via FAX at 909-985-5627 – Attn: Benefits Team What Do I Need? You must provide copies of documents validating the dependents you enroll by November 23, 2021. You will need:
Welcome to the SARH4U Health and Wellness Benefits Gateway. Whatever the reason you are here, we have information that will help you best understand the benefits available to you and how to get started. It’s time to enroll in your SARH benefits. In our constant efforts to make this process easier for you, the online system gives you the opportunity to easily view the benefits available to you, compare them, and select the best benefits for you and your family. Other features include mobile phone enrollment, option to get phone notification reminders, and the ability to securely upload documents for the SARH Benefits Team in the enrollment system. Here are the steps to take to enroll in your health and other insurance benefits for 2022:
STEP TWO: Click here to go directly to the new Benefits Enrollment site, administered by Benefitsolver. Here are the steps you will need to take: Info: The first time you access the enrollment site, you will need to enter your Social Security Number and date of birth. Create: After entering this information, you will be asked to create a User Name and Password. Confirm: Successful registration is confirmed. Click on “Continue “ to get to login page. Login: Once you have created and confirmed your User Name and Password, you will be redirected to the login page. Login using the User Name and Password (case sensitive) you just created. You will be directed to the “Open Enrollment” page. Click “Start Here!” to begin your enrollment.
STEP One: Use this site (and the Virtual Benefits Fair) to get a full understanding of the benefits available to you.
If you are not ready to enroll at this time, simply log back in to the enrollment site when you are ready and click “Start Here” to complete your enrollment.
REMEMBER: You have the option to schedule an appointment, November 4 – November 8, to meet with an onsite Benefit Educator. This appointment would allow you to ask questions about how SARH benefits impact your unique situation and get help enrolling. To make an appointment, click here.
THERE'S AN APP FOR THAT!
Download Your Benefits Apps Today
BENEFITS ENROLLMENT SYSTEM
MyChoice Mobile
Review your benefit details and plan information, make life event benefit changes or start an enrollment, get reminders when action is needed, print your 1095-C form for tax filing purposes, and access phone or chat support for benefit questions.
View your benefits and progress towards deductibles, access your ID card, view Explanation of Benefits (EOBs) and account balances, and find a doctor. Text “GETAPP” to 90156 or
MEDICAL
Aetna
Quick access (voice and video) to board-certified Health and Behavioral Health Providers when you need non-emergency care at home or away or short-term prescription refills.
Teladoc
Review your plan details, access your ID card, view claims, or find a dentist.
DENTAL
Delta Dental
Find a doctor, check your coverage, access your vision card, and shop for eyewear.
VISION
VSP Vision Care On the Go
Manage your reimbursements from anywhere, check balances, search items eligible for reimbursement or use the Digital Wallet to make payments for eligible items.
FLEXIBLE SPENDING ACCOUNTS
Benefit Resource (BRIMobile)
View your account summary, update your contributions, find out if you are on track for retirement, manage your retirement goals, and learn more about managing your finances.
SAVINGS
Lincoln Financial 401(k) and 403(b) Plans
Review news about your 403(b) investments and interests with a customized feed. Then, trade, manage your money, deposit checks, and pay bills in just a few taps.
Fidelity Investments
View your checking, savings and loan accounts in one place, pay bills, deposit checks, access your statement, make transfers to your accounts and more.
CREDIT UNION
Foothill Credit Union
View your credit card, loads, and share accounts, deposit checks, transfer funds between shares, loans, credit cards, and to other Arrowhead members, and pay bills.
Arrowhead Mobile Banking
Safeguard your personal information and finances, clear alerts, check your credit, keep tabs on your Identity Health Score and more.
IDENTITY PROTECTION
Allstate Identity Protection
Review legal benefits and services provided, find a network attorney, and access a library of DIY documents to download and personalize.
Legal Services
Arag Legal
Upload, process and check status of claims and access Claims Specialists and the Unum Contact Center.
CRITICAL ILLNESS & ACCIDENT INSURANCE
Unum Customer
Access your pet’s benefits, submit claims, and connect with veterinary experts through the 24/7 pet helpline.
PET INSURANCE
Pet's Best Insurance
Medical (Part-Time Employees)
*If Wellness Requirements (Biometrics/HRA) are not completed by March 31, 2019, then your per paycheck premium will increase 33% effective April 1, 2019. If Wellness Requirements (Biometric/HRA) are completed but Health Coaching is not completed by May 31, 2019, then your per paycheck premium will increase by 42% effective June 1, 2019.
The following are your costs per paycheck with and without participation in the wellness requirements. Amounts vary depending on the number of dependents you cover.
Medical (Full-Time Employees)
Vision (Full-Time and Part-Time Care Team Members)
Dental (Full-Time and Part-Time Care Team Members)
Medical (Part-Time Care Team Members)
* Paycheck contributions will increase 25% on an annual basis if the wellness requirements are not completed in a timely manner. The annual 25% increase will be applied to the remaining months in the year if and when it is determined that you did not complete your wellness requirements in a timely manner. More information will be available to you in January 2021 regarding the impact to your paycheck contributions if you do not meet all, or a portion, of the Wellness Requirements. NOTE FOR NEWLY HIRED CARE TEAM MEMBERS: Premium increases for participation in the Wellness Program do not apply to you during your first year.
UNderstanding Your PayCheck Contributions
The following are your costs per paycheck. Amounts vary depending on the number of dependents you cover.
$47.75
$114.91
$103.04
$196.18
$59.68
$143.63
$128.79
$245.24
$50.55
$137.12
$120.29
$246.84
$50.87
$122.41
$109.77
$209.77
$63.58
$153.01
$137.20
$261.25
$53.83
$146.01
$128.08
$262.83
$9.57
$16.39
$17.32
$26.69
$5.01
$8.02
$8.19
$13.20
$209.00
$67.82
$146.36
$163.22
$278.66
$72.66
$156.82
$174.88
$298.57
$46.24
$99.79
$111.29
$190.00
$61.66
$133.06
$148.38
$253.33
$66.06
$142.56
$158.98
$271.43
Medical (Full-Time Care Team Members)
Do you have 20+ years of service based on your hired date as of January 1? If you elect the Core Advantage EPO Plan for 2020, you are eligible for a 10% discount on your paycheck contributions. Eligibility for this discount will be applied beginning in January 2020.
$57.80
$139.10
$124.73
$237.50
$46.80
$126.96
$111.38
$228.65
$228.55
San Antonio CHOICE Plan*
Part-Time (Wellness Comliant)
Full-Time (Wellness Comliant)
Cigna PPO Plan
Full-Time
Cigna HMO Plan
Part-Time
Full-Time/Part-Time
Dental (Full-Time and Part-Time Employees)
Vision (Full-Time and Part-Time Employees)
Wellness Comliant
Biometrics/HRA Wellness Requirement Incomplete
Biometrics/HRA Wellness Requirement Incomplete, Health Coaching INcomplete
2022 PayCheck Contributions
Medical (Full-Time Care Team Member)
Medical (Part-Time Care Team Member)
Dental
Vision
SUPPORT IN LIFE's MOMENTS
Expanding Your Family
Whether you are getting married or having or adopting a baby, your SARH benefits can pave the way for a smooth transition from considering only your needs to considering how your benefits support a growing family.
You're getting married ... congratulations!
You're going to be a great parent! Here's how SARH benefits can help.
This is considered a qualified life event, which means you have the option to change some of your benefits. It's also important to think about legal assistance and beneficiaries.
This is considered a qualified life event, which means you have the option to change some of your benefits. It's also important to think about contributions to spending accounts, the wellness program and beneficiaries.
[TEXT]
Decreasing coverage for a dependent or spouse
Your child reaches age 26
There is a change in legal custody of a child
Dealing with a Loss
You are grieving the loss of a loved one
You and your spouse divorce or legally separate
There is a change in your spouse's medical benefits
You may be leaving the SARH family or simply moving from one home to the next. Here are some important things to know as you make your big move
Changing Your Location
You are thinking about or have decided to retire
You are moving your home address
Caring for Youself and Others
You are a caregiver/parent and need support
You need to take a leave of absence
You decided to leave SARH or have been laid off
You need someone to listen
Life is made up of impactful events. Some have you smiling from ear-to-ear. And some have you wanting to pull the covers over your head. But whatever the event calls for, SARH’s benefits can help make the going a little easier. So, gear up now! And keep in mind that these benefits are just a sampling of the many amazing resources available to you. Explore the rest of this website to learn more.
Expanding Your Family (Birth or Adoption of a Child)
Making Changes to Your Benefit Elections Because the addition of a child by adoption or birth is considered a Qualified Life Event, you have the option to make the following changes to your benefits. Medical: Add child to coverage (or enroll yourself and your dependents if you are not currently enrolled). Dental: Add child to coverage (or enroll yourself and your dependents if you are not currently enrolled). Vision: Add child to coverage (or enroll yourself and your dependents if you are not currently enrolled). Flexible Reimbursement Accounts: Start participating or change your contributions. [Insert timing of elections. Documents say 31 days, but we may have an old version. I believe it is 60 days from date of eligible event] [Insert how to begin process for Qualifying Life Event]
Taking the Time You Need
We know the importance of those very first days of being a new family. You have options - before and after you welcome your new family member - to take time away from work:
Leave of Absence: Apply for an FMLA/California Family Rights Act (CFRA) leave of absence to care for your child. Click here to access more information.
Pregnancy Disability Leave (PDL): If you are medically disabled due to pregnancy, you may qualify for PDL. For more information, click here. Paid-Time Off: Consider using PTO to spend extra time with your child or rest beforehand. Your available PTO amount can be found here.
Consider the Legal Plan through Arag
The legal plan offers a variety of opportunities for assistance with legal documents and processes, including adoption and trusts. For more information on the Legal Plan, visit the Legal Plan room in the Virtual Benefits Fair.
Don't Forget to Update Beneficiaries
Review your benefits coverage and consider updating your beneficiary for any life, AD&D or retirement benefits.
Do you need help adjusting?
[Insert information about EAP and Behavioral Health]
To apply for leave, download the free Qcera MyLeave app. From therem you can request a new leave or extend dates for an existing leave. For a user guide to the Qcera MyLeave app, click here.
Consider additional Life, AD&D, and Disability Protection
[insert text]
Contact Information
There's an App for That!
Life, Accident, & Disability
Home
Dental & Vision Benefits
Flexible Reimbursement Accounts
Your Wellness Experience
Important Wellness Dates & Action Items
Core Plan Participant Requirements
Online Wellness Assessment
Biometric Screening
Telephonic Health Coaching
The Voluntary Wellness Program
The Wellness Points Program
Your Prescription Drug Benefits
Enrolling for Coverage
More San Antonio Benefits
Retirement Savings Plan
Where to Start
2022 Benefits: What's Changing
Your Paycheck Contributions
Your Medical Benefits
Print
Click here to
Your Medical Benefit Choices
PROVIDER NETWORK INFORMATION 1. What providers currently participate in the San Antonio CHOICE Plan?The San Antonio CHOICE plan is made up of three tiers. Overall, the least costly care for members is accessed at Tier 1. Out-of-network coverage is not covered under the CHOICE plan. Tier 1 Providers • San Antonio Regional Hospital • San Antonio Regional Hospital Urgent Care Centers, including: - Sierra San Antonio Medical Plaza - Mountain View Urgent Care at Casa Colina - Eastvale San Antonio Medical Plaza - Rancho San Antonio Medical Plaza • Casa Colina Hospital (Inpatient Rehab Only) Tier 2 Providers • Loma Linda University Community Medical Center • Loma Linda University Children’s Hospital • St. Mary’s Medical Center • City of Hope National Medical Center • Redlands Community Hospital Tier 3 Providers • Cigna Open Access Plan (OAP) facilities 2. Which providers participate in the Cigna PPO Plan?The Cigna PPO plan allows participants to access the Cigna Open Access (“OAP”) network and out-of network providers. Care provided at out-of-network providers will be more costly. Additionally, for services available at San Antonio Regional Hospital there is a Preferred In-Network. Care provided at San Antonio Regional Hospital will be most cost effective. 3. How do I find a Tier 1 and Tier 2 provider in the San Antonio CHOICE plan? Login to the member portal (www.4urbenefit.org/mybenefit) and go to “Find a Preferred Provider” to search for a preferred provider. You may call QualCare at 1.844.883.2425 as well. 4. How do I find a Cigna OAP provider? Login to the member portal (www.4urbenefit.org/mybenefit) and go to “Find a Cigna OAP Provider” to search for all other contracted providers. You may call QualCare at 1.844.883.2425 as well. 5. If I enroll in the San Antonio CHOICE plan am I and/or my dependents covered when we have services provided out-or area and/or out of state? Since the Tier 1 and Tier 2 providers are all located in Southern California, you or your dependents that are out-of-area/state will want to return to Southern California for services or visit a Tier 3 (Cigna OAP Network provider) provider. Cigna OAP providers are contracted across all 50 states. 6. If I enroll in the Cigna PPO plan am I and/or my dependents covered when we are located out of state? Yes, In-Network providers (Cigna OAP) are contracted across all 50 states. 7. Out of area emergency care under the San Antonio CHOICE and Cigna PPO plans? There is no penalty for not going to a contracted provider/facility. Emergency Room copays are waived if admitted. 8. Who administers the San Antonio CHOICE and Cigna PPO plans? Both plans are administered by QualCare, Inc. (dba QANI Administrators), A Cigna Company. ** Always show your ID Card to the provider to confirm they have the correct information on file** • Payer ID: 22312 • QualCare, a Cigna Company PO Box 459, Piscataway, NJ 08855-0459 9. What is the difference between the San Antonio CHOICE Plan’s three provider tiers? The members’ benefits, including copayments and coinsurance, are different at each Tier. • Tier 1 and Tier 2 are the preferred network of health care professionals and facilities for the San Antonio CHOICE plan members which means you will pay lower out-of-pocket expenses (copays, deductibles, etc.) when you access the plan’s benefits. - Tier 1 PCPs are invited to participate in the CHOICE plan narrow network. - Tier 3 is the Cigna OAP Network which has the highest out-of-pocket expenses (copay, deductibles, etc.). 10. What is the difference between the Cigna PPO plan’s tiers/networks? The members’ benefits, including copayments and coinsurance, are different for each tier/network. • Preferred In-Network benefits are specific to certain services available only at San Antonio Regional Hospital. • Other In-Network benefits are for any providers and facilities within the Cigna OAP Network • Out-of Network benefits are for any providers and facilities that are not in the Cigna OAP Network REFFERALS, PRECERTIFIATIONS, AND AUTHORIZATION INFORMATION 11. Are referrals required to a Specialist or facility for the San Antonio CHOICE or Cigna PPO plan? Referrals are not required but, it is recommended to visit you Primary Care Physician to direct you to the most appropriate and effective providers and facilities while being cost effective. 12. What services require precertification prior to having the service? There are services that require precertification for both the San Antonio CHOICE and Cigna PPO plans and it is the members responsibility (to work with their providers) to ensure they are obtained. Coverage may be denied if precertification is not done. Examples of services that require precertification include, MRIs, CAT scans, Durable Medical Equipment. Please refer to your SPD for plan specifics. 13. Who do members and/or providers contact to obtain precertification? Members and health care professionals will call QualCare for precertifications at 1.844.883.2425. 14. What is QualCare’s turn around time for authorization request? 72 hours once all of the requested information has been received. 15. How can you track your authorization request and confirm that QualCare has received all the requested information? You can call QualCare at 1.844.883.2425 to track / confirm authorization requests. 16. Can you and your provider update a precertification request/approval that was previously approved? Yes, approved precertifications can be updated by calling QualCare at 1.844.883.2425 17. What is the timeline requirement for notifying QualCare of a hospital admission? Elective admission – 5 business days prior to admission Urgent or Emergency admission – 2 business days after admission EOBs, ID CARDs, AND OTHER INFORMATION 18. What is the timely filing deadline? Claims must be submitted for processing within 180 days from date of service. 19. What if my claim is not processed as I thought it should be? Review your Explanation of Benefits (EOB), located on the member portal (www.4urbenefit.org) to ensure your claim (and the corresponding services with your provider) have all been submitted accurately and correctly. If you have further questions, call QualCare at 1.844.883.2425. • Did you see a physician who is covering for your PCP? – Be sure to communicate this when calling QualCare. 20. How do I get a new ID Card? Login to the QualCare member portal (www.4urbenefit.org/mybenefit) and go to “Print ID Cards” to request an additional ID Card that will be mailed to your home or print a pdf of the last ID Card mailed. 21. What is an Explanation of Benefits (EOB)? An EOB is a statement sent by QualCare to you (or accessed online) explaining what medical claims have been filed with QualCare and how these services were paid based on the plan’s benefits. It will also indicate whether or not you owe any additional out-of-pocket expenses such as deductibles, copays or coinsurance. 22. Can I get see a copy of an EOB online with QualCare? Login to the member portal (www.4urbenefit.org) and go to “View Claim Status” to view status of a claim and view/print the explanation of benefits. 23. What can I do to ensure that I am getting the full benefits of the plan I am enrolled in? • Understand what your plan covers, where you should go for care and your anticipated share in the cost. Both the San Antonio CHOICE and Cigna PPO plans provide a higher reimbursement when you get care at SARH. • Make sure your provider holds a contract with Cigna. Your PCP may refer you to a Specialist, but it’s your responsibility to determine that they are considered a Cigna contracted provider. Your doctor may also refer you to a stand-alone lab, radiology, or physical therapy provider, but the plan may pay less for those providers. 24. What should I do if I continue to get a bill for services that I don’t think I should pay? Call the number on the billing invoice to confirm where the charges were sent for payment. Sometimes a provider does not use the correct billing information. Also address “no choice services” such as professional fees for radiologists, pathologists and anesthesiologist – how to get paid under the “no choice provision”.
CHOICE and PPO Medical Plan FREQUENTLY ASKED QUESTIONS
San Antonio CHOICE and Cigna PPO plans, are administered by QualCare, Inc. (dba QANI Administrators), A Cigna Company
The new San Antonio CHOICE Plan was designed to enhance your benefits when you and your covered dependents utilize services provided by SARH and our list of physicians creating a “narrow network.” This narrow network includes local PCPs and Specialists that are currently used by nearly 80% of our employees enrolled in the Cigna PPO Plan. The affordable paycheck contributions, combined with low/no copays and out-of-pocket cost, make this a very attractive option for our employees. Here are some things you may wish to consider in electing this new plan coverage: • Are you and/or your covered dependents currently using a San Antonio CHOICE Tier 1 PCP and/or Specialist? If not, are you willing to obtain care from the list of CHOICE Plan PCPs and Specialists? • Election of a CHOICE network PCP is an important component of the plan and each covered member is required to elect a PCP. If you or your covered dependents do not elect a PCP during the online enrollment process, one will be assigned to you. Please note, the San Antonio CHOICE Plan does not require referrals like an HMO plan, the purpose of the PCP in the San Antonio CHOICE Plan is to serve as a resource for your health, wellness and care, and you can self-refer to Network Specialists. For a full list of Tier 1 PCPs, you can visit www.4URBENEFIT.org. • Participation in wellness components are required. If the wellness components are not completed, your paycheck contributions increase by 25%. The San Antonio CHOICE Plan can save you approximately $270 to $1,100 a year (depending on the number of dependents (if any) you choose to cover) compared to the Cigna PPO Plan.
Core Advantage EPO Plan A narrow network plan geared for Upland and Rancho Cucamonga (Tier 1) and High Desert, Loma Linda, and Riverside providers (Tier 2): • This plan is the lowest per paycheck contribution option (when Care Team Member completes wellness requirements) and the least costly option when you receive care from a Core Advantage EPO Network (Tier 1 or Tier 2) provider. • Tier 3 providers are in the Aetna Open Access Network; however, coinsurance and calendar year deductibles apply. • Out-of-network coverage is not available, except in the case of a true emergency. • You must select a narrow network PCP, who serves as your primary resource for health, wellness and care. • You can self-refer to a Network Specialists (Tier 1 and Tier 2). To see a Benefits Summary Comparison of the Medical Plans, go to the “A Benefit Summary Comparison” table in this Benefits Guide. To see a list of providers below, click here. Note: When you access the provider directories, you may see different references to the types of providers. Below is a key to help you best understand which provider list you are seeing: • Tier 1 (may be referred to as Maximum Savings) • Tier 2 (may be referred to as Standard Plus Savings) • Tier 3 (may be referred to as Standard Savings) Aetna POS Plan You have the option to use Aetna’s Open Access Network providers or receive care out-of-network. However, you pay less for covered services and supplies when you access care from San Antonio Regional Hospital. Click here for the Aetna POS Plan network directory. Aetna HMO Plan A Primary Care Physician (PCP) is required and directs your care within the Aetna HMO Network, as well as coordinates pre-certification/pre-approval for certain services. There are no out-of-network benefits, other than for emergency care services. Click here for the Aetna HMO network directory.
Frequently Asked Questions
You have three medical options from which to choose. It is your responsibility to understand the details of each option and which best fits the needs of you and your family. You should consider not only the amount you pay each paycheck, but what you pay at time of service. Click on the topics below for more information.
Important Aetna Tools: Aetna’s Mobile App: Once you are in Aetna’s enrollment system, you can download this App and register with your Social Security Number. This App gives you access to information about your benefits and progress toward your deductible, a digital member ID card, claims information, account balances, cost estimates, and DocFind at your fingertips. Teladoc: You can download this App and register with your ID to gain convenient access to a doctor in minutes – no matter your location.
This chart provides a comparison by plan of copay / coinsurance amounts (your financial responsibility). Note: It is important to weigh each plan against your current situation and make sure your current plan is still right for you.
If you elect the Core Advantage EPO Plan or the Aetna HMO Plan, you must make a PCP election during enrollment. If you elect the Aetna POS Plan, it is a good idea to make sure your current PCP is part of the Aetna network. To find out if your current PCP is in the Aetna network, follow the instructions provided earlier in this section.
For more information on Wellness Requirements for new hires, click here.
Access Aetna’s database of doctors and facilities available as part of each of your benefit options.
Compare Your Medical Options
Your Where To Go Guide
Designed to help you find information quickly and easily for frequently called numbers, websites and other important benefits contact information.
The Aetna HMO Plan
Access care through a Primary Care Physician (PCP) who directs your care and handles authorizations within the Aetna HMO Network.
The Aetna POS Plan
Access care from San Antonio Regional Hospital and pay less. Also offers care through the Aetna Open Access Network or out-of-network.
The Core Advantage EPO
A narrow network plan created to provide levels of cost savings (Maximum to Standard) based on the location of the providers you choose.
For videos and links to information about your medical plans and how to find a doctor, visit the Virtual Benefits Fair!
YOUR MEDICAL BENEFITS
Welcome to the Aetna Health App
AEtna Digital Tools
COVID RESOURCES
EPO: Find a Doctor
POS: Find a Doctor
HMO: Find a Doctor
CLICK BELOW FOR MEDIA & RESOURCES
Detailed EPO Summary
Detailed POS Summary
Detailed HMO Summary
EPO and POS: Make the right choice for you
Your SARH Pharmacy
HMO: Easy-to-use care & coverage
General Resources
AETNA DIGITAL RESOURCES
PRESCRIPTION DRUG RESOURCES
Medical Plan RESOURCES
Media & Resources
The Core Advantage EPO Plan is a narrow network plan geared for Upland and Rancho Cucamonga (Tier 1) and High Desert, Loma Linda, and Riverside providers (Tier 2). Here are some highlights of your plan. Click the links below for more information
The Core Advantage EPO Plan
Highlights of the Core Advantage EPO Plan
The Core Advantage EPO Summary of Benefits
Find a Doctor
You have the option to use Aetna’s Open Access Network providers or receive care out-of-network. However, you pay less for covered services and supplies when you access care from San Antonio Regional Hospital. Click here to Find A Doctor
This plan is the lowest per paycheck contribution option and the least costly option when you receive care from a Core Advantage EPO Network (Tier 1 or Tier 2) provider.
Yes (required participation). For more information on the Core Advantage EPO Plan wellness requirements, see the “Your Wellness Experience” section.
You must select a narrow network PCP, who serves as your primary resource for health, wellness and care.
No; You can self-refer to a Network Specialists (Tier 1 and Tier 2).
Yes, via WellDyne
Yes
Paycheck Contribution
Coverage
Wellness Requirements
Primary Care Physician
Specialist Referral Required
Rx Coverage
Three Tiers: • Core Advantage EPO Network providers (Tier 1 and Tier 2) • Aetna Open Access Network providers (Tier 3) • No Out-of-Network coverage, unless true emergency
For more information
You have the option to use Aetna’s Open Access Network providers or receive care out-of-network. However, you pay less for covered services and supplies when you access care from San Antonio Regional Hospital. Click the links below for more information.
Highlights of the Aetna POS Plan
The Aetna POS Summary of Benefits
The Aetna POS Plan Summary of Benefits
This plan is the highest per paycheck contribution option.
No. However, participation in the Wellness Plan is encouraged.
In-Network Only
Cost Sharing
Primarily coinsurance based; lower coinsurance for services billed by SARH
Highlights of the Aetna POS Plan The Aetna POS Summary of Benefits Find a Doctor
The AETNA POS Plan
A Primary Care Physician (PCP) is required and directs your care within the Aetna HMO Network, as well as coordinates pre-certification/pre-approval for certain services. There are no out-of-network benefits, other than for emergency care services. Click here for the Aetna HMO network directory. Click the links below for more information
Highlights of the Aetna HMO Plan
The Aetna HMO Summary of Benefits
The Aetna HMO Plan Summary of Benefits
Between Core Advantage EPO Plan and Aetna POS Plan
Yes, via Aetna
Flat dollar copayment
Teledoc
Each year, it is important for you to review and understand the similarities and differences between your medical plan options. San Antonio Regional Hospital provides three options to meet the needs of our diverse group of team members. Take a look at those three options in summary or detail by clicking the links below. Click the links below for more information.
Medical Options Highlight
Medical Options Summary of Benefits
You have the option to use Aetna’s Open Access Network providers or receive care out-of-network. However, you pay less for covered services and supplies when you access care from San Antonio Regional Hospital.
Highlights of the Aetna HMO Plan The Aetna HMO Summary of Benefits Find a Doctor
COMPARE YOUR MEDICAL OPTIONS
The lowest per pay check contribution option and the least costly option when you receive care from a San Antonio Network provider. Limited out-of-network benefits A Primary Care Physician guides you in your care and helps with pre-certification/pre-approval requirements for certain services.
You have access to the Cigna PPO Network of providers. You pay less for covered services and supplies when you access care from San Antonio Regional Hospital. Out-of-network care is covered but at a higher cost. You are responsible for directing your own care and getting pre-certification/pre-approval for certain services.
You have access to physicians and facilities within the Cigna HMO Network. A Primary Care Physician (PCP) is required and directs your care within Cigna HMO Network, as well as coordinates pre-certification/pre-approval for certain services. There are no out-of-network benefits, other than for emergency care services.
*
Your 2017 Medical/Prescription Drug Paycheck Contributions
*Paycheck contributions increase 25% if the wellness requirements are not completed in a timely manner.
Per-pay-period costs for each medical option are shown below. Amounts vary depending on the number of dependents you cover.
Your 2021 Prescription Drug Benefits
The following provides copay and coinsurance amounts for retail and home delivery options provided by your Plan.
How They Compare
How They Work
A Primary Care Physician (PCP) is required and directs your care within the Cigna HMO Network, as well as coordinates pre-certification/pre-approval for certain services. There are no out-of-network benefits, other than for emergency care services.
Cigna HMO Plan:
You have the option to use Cigna Open Access Plus (OAP) network providers or receive care out-of-network. However, you pay less for covered services and supplies when you access care from San Antonio Regional Hospital.
Cigna PPO Plan:
Generally, the lowest per paycheck contribution option (when employee completes wellness requirements) and the least costly option when you receive care from a San Antonio Network (Tier 1) provider. You also may use Tier 2 providers and Tier 3 providers (Cigna’s Open Access Plus (OAP) network). Out-of-network coverage is not available, except in the case of an emergency. You select a PCP, who serves as your primary resource for health, wellness and care. You can self-refer to Network Specialists. For more information on the San Antonio CHOICE Plan and the wellness requirements, click here.
San Antonio CHOICE Plan:
This chart provides a comparison by plan of copay / coinsurance amounts (your financial responsibility). *Benefit amounts that will be different as of January 1, 2017 compared to 2016.
Your 2017 Medical Benefit Choices
Your 2017 Medical/ Prescription Paycheck Contributions
Your Prescription Drug benefit depends on the medical plan you choose. • If you choose to participate in the Core Advantage EPO Plan or the Aetna POS Plan, your prescription drug benefits are administered by WellDyne and include a San Antonio Pharmacy benefit – offering you the lowest cost option for prescription drugs. • If you choose to participate in the Aetna HMO Plan, your prescription drug benefits are administered by Aetna. Your Core Advantage EPO Plan and Aetna POS Plan provide you savings if you use the San Antonio Pharmacy at Casa Colina. For more information on the San Antonio Pharmacy at Casa Colina, click here.
What You Need to Know: Your 2017 Medical and Prescription Drug Options
Many employees don't understand what their medical insurance covers
We're here to help you understand your benefits and make the best choices for you and your family.
Core Advantage EPO Plan
Aetna POS Plan
Aetna HMO Plan
50% coinsurance via San Antonio Pharmacy only*
Varies per HMO plan provisions
If you have questions, contact the 4URHealth Team at 909.920.4874 (x24874).
Did you know that your health and wellness are connected? Health is typically related to your physical and mental wellbeing. While wellness is typically the balance of creating a healthy lifestyle. We know there is a direct connection between your health, as a San Antonio Regional Hospital Care Team Member, and the health of our community. Because, after all, you keep our community strong. The 4URHealth Program provides you the opportunity to concentrate on your wellness throughout the year and get rewarded for doing so. It includes certain activities that allow you to get to know your current health status (the Wellness Screening) and participate in activities to help you meet your goals throughout the year (the Wellness Points Program). You can find detailed information about the 4URHealth Wellness Program at https://sarh4urhealth.org. If you enroll or are enrolled in in the Core Advantage EPO Plan, you are not required to complete Wellness Requirements in order to keep your premium rate from increasing. However, you will have the opportunity to meet wellness requirements in 2022 for a discounted premium in 2023.
Click here for CHOICE Plan Participant Requirements
Click here for Voluntary Wellness Plan Participant Requirements
Click Here to view your New Hire Letter
New Hire 4URHEALTH Wellness Opportunities and Requirements
Your Wellness Screening
Understanding Wellness Coaching
If you enroll in the Core Advantage EPO Plan, you are required to participate in certain 4URHealth Wellness Program activities. The 4URHealth Wellness Program is directly tied to your participation in the Core Advantage EPO Plan – giving you the opportunity to link your wellness to your benefits. Here are important facts you need to know: • As a participant in the Core Advantage EPO Plan, you receive a 25% annual premium credit on the cost of your health care insurance. • In order to continue receiving this premium credit throughout the year, you MUST participate in the following 4URHealth Wellness Program activities: • If you do not complete these requirements, your paycheck contribution amount will increase. For more information on EPO Wellness Requirements for new hires, click here.
How Participation Impacts Your Premium
Effective January 1, 2021, all full-time Care Team Members enrolled in the Core Advantage EPO Plan will pay the following per paycheck contributions. If you complete all of the wellness requirements within the allotted timeframes, your contributions will remain at these amounts:
If you do not complete the Wellness Assessment and Biometric Screening during the timeframe indicated: Your contributions will increase by 25% on an annualized basis. Since you paid the wellness compliant rate from January through March 2021 and the 25% increase is on annual basis, the increase will appear to be 33.3% from your last March contribution to your first April contribution. At the end of 2021, you will have contributed 25% more than a Care Team Member who completed their wellness requirements within the allotted timeframes. The rates below will be effective in April 2021 and will remain in effect throughout the remainder of the year.
If you completed the Wellness Assessment and Biometric Screening during the timeframe indicated, but do not complete both Telephonic Wellness Coaching Sessions during the timeframe indicated: Your contributions will increase by 25% on an annualized basis. Since you paid the wellness compliant rate from January through May 2021 and the 25% increase is on an annual basis, the increase will appear to be 42.8% from your last May contribution to your first June contribution. At the end of 2021, you will have contributed 25% more than a Care Team Member who completed their wellness requirements within the allotted timeframes. The rates below will be effective in June 2021 and will remain in effect throughout the remainder of the year.
$63.66
$153.21
$137.39
$261.58
$68.21
$164.16
$147.20
$280.26
Care Team Member Only
Care Team Member + Spouse
Care Team Member + Child(ren)
Family
Effective January 1, 2021 all part-time Care Team Members enrolled in the Core Advantage EPO Plan will pay the following per paycheck contributions. If you complete all of the wellness requirements within the allotted timeframes, your contributions will remain at these amounts:
Part-Time Care Team Member
If you completed the Wellness Assessment and Biometric Screening during the timeframe indicated but do not complete both Telephonic Wellness Coaching Sessions during the timeframe indicated: Your contributions will increase by 25% on an annualized basis. Since you paid the wellness compliant rate from January through May 2021 and the 25% increase is on an annual basis, the increase will appear to be 42.8% from your last May contribution to your first June contribution. At the end of 2021, you will have contributed 25% more than a Care Team Member who completed their wellness requirements within the allotted timeframes. The rates below will be effective in June 2021 and will remain in effect throughout the remainder of the year.
$52.52
$126.40
$113.34
$215.80
$70.03
$168.54
$151.13
$287.74
$75.03
$180.57
$161.92
$308.29
If you are enrolled in the Core Advantage EPO Plan, see the impact to your costs per paycheck (with and without participation in the wellness requirements) for medical coverage, by employment status, below. Note: Amounts vary depending on the number of dependents you cover.
Part-Time Care Team Members
Full-Time Care Team Members
Timing
Annual; conducted in February
Activity
Wellness Screening
Two Personalized Telephonic Wellness Coaching Sessions
Note: You also have the opportunity to earn incentive points by completing two (2) additional voluntary telephonic Wellness Coaching session beyond the required two (2) sessions. See the “Understanding Wellness Coaching” tab below for more information.
Complete between January 1 and May 31 (no less than 30 days apart). Here is a guideline of timing for completing each session: • Complete Session 1 by April 15. • Complete Session 2 by May 31.
The 4URHealth Wellness Program and the Core Advantage EPO Plan
IMPORTANT for Core Advantage EPO Plan enrollees: If you do not complete your two (2) required telephonic health coaching sessions by the required date, you will no longer receive a 25% premium credit and your 2021 insurance rates will increase. Information on date requirements will be provided at the beginning of 2021.
Earn incentive points and get a better understanding of your “starting point” for 2021 by completing the Wellness Screening. Note: To see how the Wellness Screening fits into the overall Wellness Points Program, go to https://sarh4urhealth.org. To complete your wellness screening, follow these steps: • Create an account on the 4URHealth Wellness platform. • Complete an online Wellness Assessment (10-15 minutes) prior to onsite biometric screening.
Details
Need assistance? Call the Cerner Consumer Support Line: 1.888.252.8150 or use the “Forgot Password” feature to reset your account.
Location
Online at https://sarh4urhealth.org
Complete Your Online Wellness Assessment (10-15 minutes)
Create Your Account
Attend an Onsite Biometric Screening and Health Advising Session (30 minutes)
Click on “Take Your Assessment,” then “Complete Your Wellness Assessment in the Redesigned Experience.”
Due to our efforts to promote social distancing and keep our team members, we have eliminated the required for an onsite biometric screening for 2021. However, you can still get a thorough screening through your Primary Care Physician using your preventive care benefits. Schedule your appointment today!
IMPORTANT for Core Advantage EPO Plan enrollees: If you do not complete your two (2) required telephonic wellness coaching sessions by May 31, you will no longer receive a 25% premium credit and your 2021 insurance rates will increase in June. San Antonio partners with US Corporate Wellness, an independent company specializing in wellness coaching. US Corporate Wellness provides certified wellness coaches who will conduct a personalized, confidential conversation about your wellness goals and needs, encouraging and guiding you towards healthy improvements in your life.
For a more in-depth description of Health Coaching, click here for a 30-second video description.
Requirement to complete two (2) telephonic wellness coaching sessions (no less than 30 days apart)
Complete Session 1 by April 15. Complete Session 2 by May 31.
Available through December 15
Type of Session
Applicable to …
Only participants in the Core Advantage EPO Plan
ALL San Antonio Care Team Members
Voluntary Telephonic Wellness Coaching Session
Required Telephonic Wellness Coaching Session
Opportunity to participate in two (2) additional voluntary telephonic wellness coaching sessions. No requirement to participate, but participation does offer you the opportunity to earn Wellness Points toward end of the year incentives.
To Schedule Your Telephonic Wellness Coaching Appointments: • Log onto www.USCorporateWellness.com/SARH • New to the site? You will need to register an account. - Company ID: SARH / Registration Code: COACH - Enter your login credentials (or use the “forgot password” feature, if needed). - You will be paired with your previous coach if you participated in wellness coaching before. Please notify 4URHealth if you wish to change coaches or you prefer a Spanish-speaking Health Coach. • Schedule a 30-minute coaching session. Your coach will call you on the chosen date and time at the phone number you provide during registration. • Your coach will call you upon your scheduled date and time at the phone number you provide during registration. • Contact US Corporate Wellness at scooper@uscorporatewellness.com if you have questions or need help.
The Wellness Points Program incents you to think about your wellness year-round. To allow you the opportunity to participate in the 4URHealth Wellness Program whenever and however you please, we offer the following categories for participation: • Awareness: Complete the Wellness Screening and Wellness Coaching activities to better understand your “current state of health” and get personalized, confidential support in reaching your goals. • Prevention: Gain Wellness Points for preventative screening/tests such as well visits, dental exams, vision screenings, and mammograms. Note: Many of these are covered at 100% as part of your medical program benefits. • Participation: Get involved and earn Wellness Points at the same time. The 4URHealth Wellness Program offers opportunities through SARH programs, challenges, groups and activities, as well as activities you participate in outside of SARH, such as blood donation, fitness events, physical activity, and voluntary work. • Education: Take time to explore the many online workshops offered to further explore topics that align with your goals at your own pace in your own time. These include online workshops focused on financial health, stress management, nutrition, smoking cessation and chronic condition management. • Results: Make improvements to your health, such as your cholesterol, diabetes ranges, BMI and body weight, and receive Wellness Points. To track your Wellness Points, access a comprehensive list of Wellness Point opportunities, and view points associated with each opportunity, go to https://sarh4urhealth.org.
We are taking a pause to keep you safe!
Keeping you first in Wellness!
The 4URHEALTH WELLNESS PROGRAM
If you participate in the 2022 Core Advantage EPO Plan, you DO NOT need to do anything to keep the premium provided in the Your Premium Contributions section. If you plan to enroll in the Core Advantage EPO Plan for 2023, you can complete certain activities (annual physical exam and lab work) between November 1, 2021 and October 31, 2022 for an opportunity to receive a discount to your premiums in 2023. More detailed information coming soon.
START HEALTHY
BE INVOLVED
BE INVOLVED by using the tools, programs, and learning opportunities that allow you to tailor the wellness program to what "wellness" means to you. If giving back - being a part of volunteer opportunities or giving blood - provides you joy, that's wellness. The 4URHealth Wellness Program offers many opportunities to be involved and be rewarded for it. If being active and a part of a group activity is something you enjoy, there are several opportunities - like hiking groups and fitness events - to interact with other Care Team Members in group activities. Visit www.sarh4urhealth.org for more information on those opportunities. In today's time, peer support couldn't be more important. It doesn't go unnoticed how much stress you take on as you take care of our community. The 4URHealth Wellness Program offers you a way to connect with one another and take care of one another in our Online Peer Support Community (OPSC). Click here for more information.
BE REWARDED with wellness points - that add up to cash incentives - for the activities you do throughout the year.
Wise @ Work Mindful Mediation App If being quiet and clearing your mind is your idea of wellness and a goal for 2022. Click here to access information about this app (free to SARH Care Team Members). Employee Assistance Program The EAP program provides you and your family access to 24 hours a day/365 days a year counseling for a variety of topics and needs. Click here for information and how to access someone to listen by phone, text, or email. Credible Mind Mental Health Resources Access information on mental health topics, assessments, books, and apps that give you the tools you need to take of YOU and thrive. Click here for more information.
FOCUS ON YOU
The 4URHealth Wellness Program is one of the many ways San Antonio Regional Hospital puts YOU FIRST and helps you prioritize yourself a little each day.
4URHEALTH WELLNESS PROGRAM
START HEALTHY with the help of the 4URHealth Wellness Program online wellness assessment and incentives for using your preventive benefits under your medical plan. GOALS THAT PUT YOU FIRST: Find out where you are today. It's been a stressful year. Many of us have simply been putting one foot in front of the other. Take a moment to go to www.sarh4urhealth.org and take the wellness assessment, and then, schedule your preventive appointments. By doing the wellness assessment, you will have information to help guide your conversation with your doctor. BONUS: You can begin this step today to earn points or, if you are planning on participating in the Core Advantage EPO Plan in 2023, meet some of the requirements for earning a discount on your 2023 premium.
The 4URHealth Wellness Program offers an online wellness portal and app to track wellness activities, engage in health education and participate in the Wellness Points Program - a program that rewards you with points (that add up to cash incentives) for wellness. Various programs and activities are offered throughout the year including use of the Café Card stamp card, lunch and learns, health and wellness challenges, walking/hiking groups, meditation/mindfulness program, mental health resources and much more. Go to www.sarh4urhealth.org to:
HMO Plan Participants/Deferred Participants
Step 1: The Wellness Screening Online Health Assessment Timing: The Online Health Assessment is available NOW and must be completed before your Biometric Screening Appointment. Participation: As a participant in the Voluntary Wellness Program, you have the opportunity to utilize this tool.
1. REGISTER • Go to www.SARH4URHEALTH.com • Log in using your employee number as your ID, and your birthday as your password. (Passwords reset each year) 2. COMPLETE YOUR HEALTH RISK ASSESSMENT • Click the “Start New Assessment” button, then answer some simple questions about your health. Your answers allow the tool to assess your current health status. • Stop when you get to “Part 12 (Health Tests),” then exit by clicking the “Home” link. Your answers will be automatically saved, and your profile will be completed during your biometric screening appointment.
Earn incentive points and get a better understanding of your “starting point” for 2021 by completing the Wellness Screening. Note: To see how the Wellness Screening fits into the overall Wellness Points Program, go to https://sarh4urhealth.org. To complete your wellness screening, follow these steps: • Create an account on the 4URHealth Wellness platform. • Complete an online Wellness Assessment (10-15 minutes) prior to onsite biometric screening. • Attend an onsite Biometric Screening and Health Advising Session (approximately 30 minutes).
Before You Start: To create an account, go to the NEW! Wellness website at https://sarh4urhealth.org/dt/v2/sarhindex.asp and click on the “Sign In with Cerner Health” button. If you already have a My Health Records (Patient Portal) account, use those credentials to sign in. If you don’t, click “I Need An Account,” input your email address and click “Sign Up.” After completing the required fields, click on “Create An Account.” You will then need to verify your identity using your employee number and date of birth to complete set up of your account.
1. REGISTER • Go to https://sarh4urhealth.org/dt/v2/sarhindex.asp and click on the “Sign In with Cerner Health” button • If you already have a “My Health Records Patient Portal” account, use those credentials to sign in under the “I Already Have an Account” section • If you don’t already have a My Health Records (Patient Portal) account, input your email address in the “I Need An Account” section and click “Sign Up.” After completing the required fields, click on “Create Account.” You will then need to verify your identity using your employer number and date of birth to complete set up of your account. 2. COMPLETE YOUR WELLNESS ASSESSMENT • Click on "Take Your Assessment", then "Complete Your Wellness Assessment in the Redesigned Experience". Your Wellness Assessment needs to be completed before your Biometric Screening. • Available January 1! The Wellness Assessment is an online, structured self-evaluation. This assessment allows you to evaluate where you are right now, so that you can measure your progress in the future.
IMPORTANT for Core Advantage EPO Plan enrollees: If you do not complete your wellness screening during February, you will no longer receive a 25% premium credit and your 2021 insurance rates will increase in April.
CHOICE and PPO Plan Participants
Do you have a My Health Record (Patient Portal) account? • If YES, log in under the “I Already Have an Account” section using your email and password. • If NO, enter your email address in the “I Need an Account” section.
From the new wellness site, https://sarh4urhealth.org, click on “Make Your Appointment” to access the calendar and schedule your screening. You will receive an email confirmation of your chosen date and time.
4URHealth Office 901 Building, Suite 107 February 3-27 (M-Th) Offsite Locations: January 29: Rancho January 30: Eastvale and Sierra
NOT REQUIRED FOR 2021
Remember: The information collected when you participate in the Biometric Screening is completely confidential. In addition, your health results and any conversations with health advisors/coaches will not be used or shared by San Antonio Regional Hospital or your medical program.
Biometric Screening Schedule Walk-ins will be available starting February 19th
CHOICE Plan participants: If you do not complete your wellness screening during the scheduled screening period, you will no longer receive a 25% annual premium credit and your insurance rates will increase in March 2019 for the remainder of the year.
NOTE: Financial incentives will be given to ALL employees who complete their Employee Wellness Screening (both the Online Wellness Assessment and the Biometric Screening). However, higher incentives are available for those participants who schedule and attend during a certain timeframe (exact dates will be announced soon).
Timing: Appointments will be in January/February. You may schedule your appointment by going to the 4URHealth Wellness Website at sarh4urhealth.org and clicking on “Make An Appointment” or selecting “Calendar/Events” under the Reference section.
The FREE Biometric Screening gives you deeper insight into your current health. You’ll get a blood test (finger stick) to check cholesterol, triglycerides and blood glucose levels. In addition, your blood pressure will be checked and your BMI (body mass index) and waist circumference will be calculated. Note: Remember your login information and passwords, as you will need to log back into your Wellness account during your biometric screening appointment. The results from these tests will be combined with your Wellness Assessment to give you a Personalized Individual Report detailing your current health status and action you need to take to better those results. Your Health Advisor will help you understand your Wellness Assessment Report and biometric results, and will explain how the 4URHEALTH Wellness Program can help you lead a healthier lifestyle. Participation: Available to all San Antonio employees, REQUIRED for CHOICE Plan Participants (you must complete the Online Wellness Assessment before your appointment)
The Wellness Screening: Biometric Screening
To Schedule Your Telephonic Health Coaching Appointments: • Log onto www.USCorporateWellness.com/SARH • New to the site? You will need to register an account. - Company ID: SARH / Registration Code: CHOICE - Enter your login credentials (or use the “forgot password” feature, if needed). - You will be paired with your previous coach if you participated in health coaching before. Please notify 4URHealth or US Corporate Wellness if you wish to change coaches. • Schedule a 30-minute coaching session. Your coach will call you on the chosen date and time at the phone number you provide during registration. • Your coach will call you upon your scheduled date and time at the phone number you provide during registration. • Contact US Corporate Wellness at scooper@uscorporatewellness.com if you have questions or need help.
Remember: The information collected when you participate in the Wellness Points Program is completely confidential. In addition, your health results and any conversations with health coaches will not be used or shared by San Antonio Regional Hospital or your medical program.
• If you participate in the Voluntary Wellness Program: You have access to Onsite Health Coaching, provided by 4URHEALTH staff, March – November 2018. - Go to www.pickatime.com/sarh to select an appointment date and time beginning in March 2018. - You have access to one (1) Onsite Health Coaching session per month. - This Onsite Health Coaching is available through the Wellness Points Program and participation can help you earn wellness points. For more information on the Wellness Points Program, click here.
IMPORTANT for Core Advantage EPO Plan enrollees: If you do not complete your two (2) required telephonic health coaching sessions by May 31, you will no longer receive a 25% premium credit and your 2020 insurance rates will increase in June. San Antonio partners with US Corporate Wellness, an independent company specializing in wellness coaching. US Corporate Wellness provides certified wellness coaches who will conduct a personalized, confidential conversation about your wellness goals and needs, encouraging and guiding you towards healthy improvements in your life.
UNderstanding Health Coaching
Requirement to complete two (2) telephonic health coaching sessions (no less than 30 days apart)
Voluntary Telephonic Health Coaching Session
Required Telephonic Health Coaching Session
Opportunity to participate in two (2) additional voluntary telephonic health coaching sessions. No requirement to participate, but participation does offer you the opportunity to earn Wellness Points toward end of the year incentives.
Important Screening Dates and Times Biometric Screenings are available between January 29 - February 28. For information regarding times and locations see below. The amount of your incentive will be dependent on when you schedule and attend your biometric screening (see the calendar below). Go to sarh4urhealth.org to schedule your appointment. Walk ins available starting February 19.
What is a Biometric Screening? You’ll get a blood test (finger stick) to check cholesterol, triglycerides and blood glucose levels. In addition, your blood pressure will be checked and your BMI (body mass index) and waist circumference will be measured. You’ll enter results from these tests into your Wellness Assessment, then receive a Personalized Individual Report with: • Your overall wellness score • A risk rating for major health factors • Recommendations for health improvements and next steps • Links to additional information Your Health Advisor will help you understand your Health Risk Assessment and biometric results, and will explain how the 4URHEALTH Voluntary Wellness Program can help you lead a healthier lifestyle.
What is a Biometric Screening?
Important Screening Dates and Times
BIOMETRIC SCREENING IMPORTANT DATES AND TIMES
Getting Started (if you are a HMO Plan participant /Not enrolled in a San Antonio medical plan)
1. REGISTER • Go to www.SARH4URHEALTH.com (which can also be accessed from the “4URHEALTH” Quick Link on Leaf Link) • Log in using your employee number as your ID, and your birthday as your password. (Passwords reset each year) 2. COMPLETE YOUR HEALTH RISK ASSESSMENT Your Health Assessment needs to be completed before your Biometric Screening. • Under the My Health Tools section, go to the “Personal Wellness Profile” tab • Click the “Start New Assessment” button, then answer some simple questions about your health. Your answers allow the tool to assess your current health status. • Stop when you get to “Part 12 (Health Tests),” then exit by clicking the “Home” link. Your answers will be automatically saved, and your profile will be completed during your biometric screening appointment. 3. SCHEDULE A FREE BIOMETRIC SCREENING, to be held February 1 – March 1: • Schedule your appointment for a FREE biometric screening between February 1 – March 1. You will meet with a Health Advisor as part of your appointment. • Go to pickatime.com/sarh to schedule an appointment. Create an account using your birthdate and a password. • This scheduling site can also be accessed from the “4URHEALTH” Quick Link on Leaf Link.
Getting Started (if you are a PPO Plan participant)
Before You Start: To create a https://4URBENEFIT.org account, you’ll need the ID and Group Number located on your medical insurance card.
1. REGISTER • There are two ways to access the 4URBENEFIT Health Plan website: - Go to https://4URBENEFIT.org - Visit Leaflink, then use the “4URHEALTH” Quick Link on the Home Screen to access a link to the medical plan in which you are enrolled • If you haven’t visited the before, start by clicking “Create an Account” 2. COMPLETE YOUR WEBMD HEALTH ASSESSMENT Your Health Assessment needs to be completed before your Biometric Screening. • Available January 1! The Health Assessment is an online, structured self evaluation. This assessment allows you to evaluate where you are right now, so that you can measure where you are at a later date. - If you were in the PPO or CHOICE plan last year and completed your Wellness Screening, your account was already created and your credentials will be the same (use the “Forgot Password” or “Forgot Username” if needed). - If you are new to this site, click on “Create an Account.” Use your ID Number and Plan ID Number (located on the back of your medical insurance card, which you will receive before January 1). - Once you access the site, click on “Health Manager.” You will be directed to WebMD where you will register again. • Once your registration is complete, you’ll be directed to the Health Assessment - If you’re ready to complete your Health Assessment when you register, click “Take It Now.” If you need them, there are tools that provide step-by-step instructions on how to complete your Health Assessment. - If you register but need to complete your Health Assessment later, just log in to WebMD when you’re ready and click on “Take Your Health Assessment.” 3. SCHEDULE A FREE BIOMETRIC SCREENING, to be held February 1 - March 1: • Schedule your appointment for a FREE biometric screening between February 1 – February 28. You will meet with a Health Advisor as part of your appointment. • Go to pickatime.com/sarh to schedule an appointment. Create an account using your birthdate and a password. • This scheduling site can also be accessed from the “4URHEALTH” Quick Link on the Intranet or on Leaf Link.
GETTING STARTED (if you are a PPO Plan participant)
GETTING STARTED WITH YOUR WELLNESS SCREENING
The Voluntary Wellness Program Opportunities
The Voluntary Wellness Program, available to all employees, is a way for you to get support to make yourself a priority. Through the Voluntary Wellness Program, you have the opportunity to receive the following benefits: 1. An Employee Wellness Screening, which consists of: • A Structure Self-evaluation – the Online Wellness Assessment (to be completed prior to onsite biometric screening) • A FREE Biometric Screening – with a Personal Health Advising Session to review results (January 29 - February 28) 2. Participation in the Wellness Points Program – upon completion of the Wellness Screening, you will be eligible to participate in the Wellness Points Program throughout 2019. 3. Access to Wellness Programs – To access to all programs, classes, events offered through 4URHealth, click here. 4. Track Your Wellness Participation – Use the Healthy Path App or the 4URHealth Wellness Platform to track your Wellness Participation. Click here for more information.
Did you know that your health and wellness are connected? Health is typically related to your physical and mental wellbeing. While wellness is typically the balance of creating a healthy lifestyle. We know there is a direct connection between your health, as a San Antonio Regional Hospital employee, and the health of our community. Because, after all, you keep our community strong. Your 4URHealth program depends on the medical benefit for which you enroll. If you enroll in the PPO or HMO, or you decide not to elect medical coverage through San Antonio Regional Hospital, you have the option to participate in the Voluntary Wellness Program. Read below to find out more. Note: If you are enrolled, or plan to enroll, in the CHOICE Plan, you have requirements under the CHOICE Wellness Program. Click here for more information on that program.
The Voluntary WEllness Program
Full-Time Employees
Part-Time Employees
If you are enrolled in the CHOICE Plan, see the impact to your costs per paycheck (with and without participation in the wellness requirements) for medical coverage by clicking on your employment status below. Note: Amounts vary depending on the number of dependents you cover.
If you completed the Health Risk Assessment and Biometric Screening in a timely manner but, do not complete both Telephonic Health Coaching Sessions in a timely manner, your contributions will increase by 25% on an annualized basis. Since you paid the wellness compliant rate from January through May 2018 and the 25% increase is on an annual basis, the increase will appear to be 42.8% from your last May contribution to your first June contribution. At the end of 2018, you will have contributed 25% more than an employee who completed their wellness requirements within the allotted timeframes. The rates below will be effective in June 2018 and will remain in effect throughout the remainder of the year.
If you do not complete the Health Risk Assessment and Biometric Screening in a timely manner, your contributions will increase by 25% on an annualized basis. Since you paid the wellness compliant rate from January through March 2018 and the 25% increase is on annual basis, the increase will appear to be 33.3% from your last March contribution to your first April contribution. At the end of 2018, you will have contributed 25% more than an employee who completed their wellness requirements within the allotted timeframes. The rates below will be effective in April 2018 and will remain in effect throughout the remainder of the year.
Effective January 1, 2018 all part-time employees enrolled in the San Antonio CHOICE Plan will pay the following per paycheck contributions. Your contributions will remain at these amounts if you complete all of the wellness requirements within the allotted timeframes.
Effective January 1, 2018 all full-time employees enrolled in the San Antonio CHOICE Plan will pay the following per paycheck contributions. Your contributions will remain at these amounts if you complete all of the wellness requirements within the allotted timeframes.
Two (2) Telephonic Health Coaching Sessions If you do not complete your two (2) required telephonic health coaching sessions by May 31, you will no longer receive a 25% annual premium credit and your insurance rates will increase in June 2018 for the remainder of the year. San Antonio is partnering again with US Corporate Wellness, an independent company that specializes specifically in wellness coaching. US Corporate Wellness provides certified wellness coaches that will engage in a personalized, confidential conversation with you about your specific wellness goals and needs, encouraging and guiding you towards healthy improvements in your life. The following are your telephonic health coaching opportunities: How to Schedule Your Telephonic Health Coaching Appointments • Log onto www.USCorporateWellness.com/SARH - If you are new to the site, you will need to register an account. Company ID: SARH Registration Code: CHOICE - If you already have an account and participated in telephonic health coaching last year, you will use the same log-in credentials (use the “forgot password” feature if needed). You will be paired up with the same health coach. Please notify 4URHealth or US Corporate Wellness if you wish to change coaches. • Schedule a 30-minute coaching session on a date and time that is convenient for you. You can schedule your second appointment following the completion of your initial appointment. Contact the 4UHealth office if you would like to request a Spanish speaking coach. If you need assistance with accessing the site or scheduling your appointment, feel free to contact US Corporate Wellness directly at scooper@uscorporatewellness.com. • Your coach will call you upon your scheduled date and time at the phone number you provide during registration. The coaching session is a confidential conservation about you and is directed towards topics that you would like to focus. Take advantage of this wonderful opportunity to think about your wellness and where you can make healthy improvements for a better you. The coaching session is a confidential conservation about you and is directed towards topics that you would like to focus. Take advantage of this wonderful opportunity to think about your wellness and where you can make healthy improvements for a better you.
If you do not complete your wellness screening during the scheduled screening period in February, you will no longer receive a 25% annual premium credit and your insurance rates will increase in April 2018 for the remainder of the year. 1. REGISTER • Go to www.SARH4URHEALTH.com (which can also be accessed from the “4URHEALTH” Quick Link on Leaf Link • Log in using your employee number as your ID, and your birthday as your password. (Passwords reset each year) 2. COMPLETE YOUR HEALTH RISK ASSESSMENT Your Health Assessment needs to be completed before your Biometric Screening. • Available January 1! The Health Assessment is an online, structured self evaluation. This assessment allows you to evaluate where you are right now, so that you can measure where you are at a later date. - If you were in the PPO or CHOICE plan last year and completed your Wellness Screening, your account was already created and your credentials will be the same (use the “Forgot Password” or “Forgot Username” if needed). - If you are new to this site, click on “Create an Account.” Use your ID Number and Plan ID Number (located on the back of your medical insurance card, which you will receive before January 1). - Once you access the site, click on “Health Manager.” You will be directed to WebMD where you will register again. Once this step is complete, you will be directed to the online health assessment. 3. SCHEDULE A FREE BIOMETRIC SCREENING, to be held February 1 – March 1: • Schedule your appointment for a FREE biometric screening between February 1 – March 1. You will meet with a Health Advisor as part of your appointment. • Go to pickatime.com/sarh to schedule an appointment. Create an account using your birthdate and a password. • This scheduling site can also be accessed from the “4URHEALTH” Quick Link on Leaf Link.
The Wellness Screening (which includes Your Health Assessment and a Biometric Screening)
Two (2) Telephonic Health Coaching Sessions
Did you know that your health and wellness are connected? Health is typically related to your physical and mental wellbeing. While wellness is typically the balance of creating a healthy lifestyle. We know there is a direct connection between your health, as a San Antonio Regional Hospital employee, and the health of our community. Because, after all, you keep our community strong. Your 4URHealth program depends on the medical benefit for which you enroll. If you enroll in the CHOICE Plan, you are required to participate in the CHOICE Wellness Program. The San Antonio CHOICE Plan Wellness Experience is directly tied to your participation in the San Antonio CHOICE Plan – giving you the opportunity to link your wellness to your benefit. As a participant in the San Antonio CHOICE Plan, you receive a 25% annual premium credit on the cost of your health care insurance. In order to continue receiving this premium credit throughout the year, you MUST participate in the Required CHOICE Wellness Program, consisting of an employee wellness screening and two personalized telephonic health coaching sessions. If you do not complete these requirements, your paycheck contribution amount will increase. For more information, see “How Participation Impacts Your Premium.” NOTE FOR NEW HIRES: If you are hired December 2017 through October 2018 and enrolled in the CHOICE Medical Plan, you are encouraged to voluntarily participate in the wellness activities; however, it is not required for purposes of keeping your premium discount during your first year of hire. Should your enrollment in the CHOICE medical plan continue in 2019, these wellness activities will be required in order to continue receiving your 25% premium credit. Note: If you are enrolled, or plan to enroll, in the HMO or PPO Plan, or you will not be electing medical coverage through San Antonio Regional Hospital, you may participate in the Voluntary Wellness Program. Click here for more information on that program. Click below to find out more about the CHOICE Wellness Program Requirements:
The Required Choice WEllness Program
Tracking and Redeeming Your Points
Tracking Your Wellness Points To maximize your financial incentive, wellness points you earn in 2019 are tracked through the 4URHealth website at https://sarh4urhealth.org. You can use the website or the app to track/log your points throughout the year. A paper form of the Wellness Tracking Tool is also available here. Redeem Your Wellness Points Between May 1, 2019 and December 15, 2019, you can redeem your wellness points. But before you do that, make sure you have taken advantage of all the activities and options for earning points under the Wellness Points Program! Once you have redeemed your points, no additional points can be accumulated.
Incentives
In other words, you can earn up to $250 in Wellness incentives for 2019.
Wellness points (your incentive dollars) provide a financial incentive to be healthy. The more points you earn, the better you’ll feel and the closer you’ll be to accomplishing your health goals. Below are the opportunities you have to earn incentive dollars:
How to Earn Points
IMPORTANT NOTE: Documentation proof of these visits must be submitted to 4URHEALTH to get credit for these points (i.e., explanation of benefits (EOB), receipt with date and services rendered, after visit summary, etc).
Work towards better health through prevention, participation, motivation and realization. With the opportunities provided by San Antonio Regional, you can start earning 2019 Wellness Points and begin seeing (and feeling) results!
The Wellness Points Program incents you to think about your wellness year-round. To allow you the opportunity to participate in the 4URHealth Wellness Program whenever and however you please, we offer the following categories for participation: • Awareness: Complete the Wellness Screening and Health Coaching activities to better understand your “current state of health” and get personalized, confidential support in reaching your goals. • Prevention: Gain Wellness Points for preventative screening/tests such as well visits, dental exams, vision screenings, and mammograms. Note: Many of these are covered at 100% as part of your medical program benefits. • Participation: Get involved and earn Wellness Points at the same time. The 4URHealth Wellness Program offers opportunities through SARH programs, challenges, groups and activities, as well as activities you participate in outside of SARH, such as blood donation, fitness events, physical activity, and voluntary work. • Education: Take time to explore the many online workshops offered to further explore topics that align with your goals at your own pace in your own time. These include online workshops focused on financial health, stress management, nutrition, smoking cessation and chronic condition management. • Results: Make improvements to your health, such as your cholesterol, diabetes ranges, BMI and body weight, and receive Wellness Points. To track your Wellness Points, access a comprehensive list of Wellness Point opportunities, and view points associated with each opportunity, go to https://sarh4urhealth.org.
The WEllness Points Program
Below is a summary of the benefits provided through the Vision Service Plan (VSP). The chart provides copay amounts (your responsibility), as well as the percentage covered by the Plan for certain services and procedures.
Vision Benefits
Below is a summary of the benefits provided through the Delta Dental PPO Plan. The chart provides copay amounts (your responsibility), as well as the percentage covered by the Plan for certain services and procedures.
Dental Benefits
Dental and vision benefits are just as important to your overall health as your medical benefits.
Your Dental & VIsion Benefits
Because we understand this, we offer competitive benefits for your dental and vision needs. For a summary of your dental and vision benefits, click the icons below. If you would like information on your dental and vision paycheck contributions, click here.
Save with a PPO Dentist!
2021 Delta Dental Benefits Summary
Smiles All Around: Six Essential Steps
Benefits Overview
Glossary of Terms
Your Vision Summary of Benefits
Additional Savings!
Check out VSP.com
Welcome to VSP
Print and Save $$
Health Care Flexible Reimbursement Account Carryover Provision
2022 Contribution Limits
Here's How It Works
Typically, planning for the amount you would contribute to your Health Care Flexible Reimbursement Account was decided with an understanding that amounts not used by the end of the year, would be lost (the “Use It or Lose It” rule). However, San Antonio Regional Hospital has a carryover provision, allowing from $10 up to $550 of unused Health Care Flexible Reimbursement Account contributions to be carried over into 2023, as long as you are still considered an active Care Team Member. Carryover funds will be available in May each following year. While the “use it or lose it” provision still stands for any amount over $550, this provision allows more flexibility in timing of using some of your flex account dollars.
The maximum amounts you can contribute to the Health Care and Dependent Care Flexible Reimbursement Accounts for 2021 are shown below.
• Choose how much you want to set aside each pay period, on a pre-tax basis, to one or both accounts. • The amount is divided equally among the number of paychecks during the Plan Year and that amount is automatically deducted from your paycheck each pay period. • As you incur eligible expenses, you may use your reimbursement account debit card to pay at time of purchase or you may submit a claim to be reimbursed by the Plan.
The Flexible Reimbursement Accounts allow you to pay for covered qualified expenses with pre-tax dollars. Money is placed in these accounts before taxes are deducted from your paycheck and you can use the tax-free dollars to pay for eligible expenses. What this means to you is SAVINGS. • The Health Care Flexible Reimbursement Account: pay for qualified health, dental and vision expenses not reimbursed by your health plans. • The Dependent Care Flexible Reimbursement Account: pay for eligible child or dependent care expenses.
Flexible Reimbursement Accounts: Are these plans right for me?
Find out how to make the most of your FSA in 2021, visit the Virtual Benefits Fair!
If you are a full-time Care Team Member, the Hospital provides you with a Core LTD benefit. You also have the opportunity to buy supplemental coverage.
Long-Term Disability
Supplemental Accidental Death and Dismemberment
Supplemental Term Life Insurance
Hospital-provided life and AD&D coverage is available to full-time and part-time Care Team Members as of the first of the month coinciding with or following 30 days of continuous employment. No need to enroll, you automatically participate.
Basic Term Life and Accidental Death & Dismemberment
For more information on your life, accident and disability benefits, click the icons below.
Life, accident and disability benefits provide income protection to you and your family.
Life, Accident and Disability
Enroll in Benefits
ENTER THE RAFFLE
BASIC LIFE, Supplemental Life, Dependent Life and AD&D PLan HighLIGHTS
Why buy...?
Voluntary AD&D
Voluntary Disability Income Protection
Supplemental Term Life
LOng-Term Disability Plan Highlights
VOLUNTARY GROUP AD&D PLAN HIGHLIGHTS
LIFE INSURANCE CALCULATOR
WHAT IS A BENEFICIARY AND WHY DO I NEED ONE?
San Antonio EMPOWERS you to provide for your family through quality medical, dental, vision, life and disability benefits.
We believe in providing for our San Antonio Regional Hospital families – not only in financial ways, but ways that allow you to handle day-to-day situations that arise. Below is a brief description of other benefits you have access to you as a San Antonio Care Team Member.
Saving for Retirement | Voluntary Benefits | Leave Benefits | Education Programs | Care Team Member Perks | Pay Perks
Lifestyle and disease management wellness coaching.
San Antonio EMPOWERS you – not only in financial ways, but ways that allow you to handle day-to-day situations that arise. Below is a brief description of other benefits you have access to you as a San Antonio Care Team Member.
Saving for Retirement
Voluntary Benefits
Critical Illness Insurance
Accident Insurance
Legal Insurance
Identity Theft Insurance
Pet Insurance
Leave Benefits
Paid Time Off (PTO)
Extended Sick Leave (ESL)
Bereavement Leave
Jury Duty Pay
Education Programs
Care Team Member Perks
Pay Perks
Saving for Retirement:
Eligibility: All Care Team Members are eligible to participate in the service component of the plan after one year of employment and having worked at least 1,000 hours. However, the Care Team Member may begin contributions into the 401k plan upon hire and have immediate matching. Vesting schedule applies. Features: Through a Defined Contribution plan, the Hospital contributes 2.5% to 4.5% of pay each year depending on Care Team Member’s years of service. These contributions vest gradually over a five-year period. Additionally, Care Team Members may contribute pre-tax earnings into a 401k plan. The Hospital matches the Care Team Member’s contribution $.50 on the $1.00, up to the Care Team Member’s first 5% of pay contribution. The Hospital’s matching contributions are also on a five-year graded vesting schedule. Care Team Members may choose from a wide variety of investment funds. Cost: Hospital provides service-related contribution and matching component of 401k Care Team Member contributions are voluntary and vary.
The Retirement Savings Plan
Voluntary benefits available to you include Critical Illness, Accident, Legal, Identity Theft, and Pet Insurance. Click the appropriate section in the left-hand navigation for more details.
Overview
Eligibility: Benefit-eligible Care Team Members are eligible to elect this benefit as a New Care Team Member, Newly Eligible Care Team Member or during Open Enrollment. Features: If you are diagnosed with an illness that is covered by Critical Illness insurance (such as a heart attack, stroke, cancer, Alzheimer’s), you will receive a lump sum benefit payment to help pay for out-of-pocket expenses. You may choose coverage of $10,000 or $20,000 of coverage for yourself (with no medical questions) during enrollment. You may elect coverage for your spouse and children of 50% of your coverage (if you purchase coverage for yourself). For more information about Critical Illness Insurance, click here. Cost: Cost will be communicated during enrollment. If you elect coverage for yourself, there is no additional cost for coverage for your child.
Eligibility: Benefit-eligible Care Team Members are eligible to elect this benefit as a New Care Team Member, Newly Eligible Care Team Member or during Open Enrollment. Features: Accident Insurance pays you money if you are accidentally injured (off the job) and need treatment. The benefit you receive is based on the type of injury and the type of treatment you need. You can elect coverage for yourself, your spouse, and your dependent children (up to age 26). For more information on the Accident Insurance benefit, click here. Cost: Bi-weekly Premium You: $3.77 You and Your Spouse: $6.26 You and your child(ren): $7.79 You, your spouse, and your child(ren): $10.28
Eligibility: Benefit-eligible Care Team Members are eligible to elect this benefit as a New Care Team Member, Newly Eligible Care Team Member or during Open Enrollment. Features: Legal Insurance (administered by ARAG) provides you legal coverage for every day needs, such as creating wills or buying a home, and more serious situations, such as tax audits and divorce. There are two different levels of coverage from which to choose: UltimateAdvisor® or UltimateAdvisor Plus™. For more information on these options, click here. Cost: UltimateAdvisor®: $9.12 biweekly UltimateAdvisor Plus™: $10.50 biweekly
Eligibility: Benefit-eligible Care Team Members are eligible to elect this benefit as a New Care Team Member, Newly Eligible Care Team Member or during Open Enrollment. Features: Allstate Identity Protection provides two levels of coverage to help you guard you identity and monitor activity connected to you and/or your family. To understand the difference options and services available, click here. Cost: Allstate Identity Protection Pro $3.67 per person/biweekly $6.44 per family/ biweekly Allstate Identity Protection Pro Plus $4.59 per person /biweekly $8.28 per family /biweekly
Eligibility: Benefit-eligible Care Team Members are eligible to elect this benefit as a New Care Team Member, Newly Eligible Care Team Member or during Open Enrollment. Features: Pets Best Insurance provides reimbursement for vet bills when your pet is sick or injured and is treated by any veterinarian. There is also access to a veterinary helpline 24 hours a day, seven days a week. There are three different levels of coverage from which to choose: Silver, Gold, and Platinum. For more information on these options, click here. Cost: Your actual price will be determined - at enrollment - based on your location and your pet’s age and breed.
Leave benefits available to you include Paid Time off (PTO), Extended Sick Leave (ESL), Bereavement Leave, and Jury Duty Pay. Click the appropriate section in the left-hand navigation for more details.
Eligibility: Accrues upon employment for full-time and Benefit Status part-time Care Team Members. Features: Vacation, Holiday, Illness and Personal Days are combined into a bank of hours. Your PTO bank accrues hours based on regular hours worked and years of service. Full-time Care Team Members accrue 25 days per year (0-60 months of service); 30 days per year (61-120 months of service); and 35 days per year (121+ months of service). Adjusted schedule for part-time Care Team Member applies. Cost: None. Cost covered by San Antonio Regional Hospital.
Eligibility: Accrues upon employment for full-time and Benefit Status part-time Care Team Members. Features: ESL hours accumulate up to a maximum of 60 days (480 hours). ESL is integrated with State Disability Insurance (SDI) to provide for continued income during an extended medical absence. Cost: None. Cost covered by San Antonio Regional Hospital.
Eligibility: Immediately for full-time and Benefit Status part-time Care Team Members Features: Up to 24 hours or a maximum of 3 days paid leave in the event of a death in your immediate family. Cost: None. Cost covered by San Antonio Regional Hospital.
Eligibility: Immediately for full-time and Benefit Status part-time Care Team Members Features: Up to 24 hours upon employment; prorated for part-time Care Team Members. Cost: None.
Eligibility: Full-time and part-time Benefit Status Care Team Members after six months of employment. Features: Reimbursement up to $3,000 per year for full-time Care Team Members (up to $1,500 for part-time Care Team Members) for college tuition and book expenses that are related to their current position or a future position at the Hospital. Lifetime reimbursement maximum of $15,000. Cost: Varies based on tuition cost.
Educational/Tuition Reimbursement Program
Eligibility: Full-time Benefit Status Care Team Members after six months of employment. Features: Within three years of completing coursework that is directly related to the Care Team Member’s profession, the Care Team Member may receive up to $3,000 per year in loan reimbursement in lieu of the tuition reimbursement benefit. Cost: Varies based on loan payments.
Student Loan Reimbursement
Eligibility: Immediately for all Care Team Members Features: On-site financial and retirement planning workshops and other onsite healthcare classes. Cost: None.
Care Team Member Education Programs
Care Team Member Appreciation Programs
Eligibility: Immediately for all Care Team Members Features: Family picnic, Quakes basketball game, variety of sporting and entertainment events at Toyota Arena and more. Cost: Cost of each service or event varies.
Care Team Member Activities
Care Team Member Discounts and Activity Series
Eligibility: Immediately for all Care Team Members Features: Daisy, Leaf and Service awards, hospital celebrations, holiday pancake breakfast, ice cream social and more. Cost: None. Cost covered by San Antonio Regional Hospital.
Eligibility: Immediately for all Care Team Members Features: Online wellness portal and app to assess your health, track wellness activities, engage in health education and participate in the wellness points incentive reward program. Various programs and activities offered throughout the year including Café Card stamp card, lunch and learns, support groups, health and wellness challenges, walking/hiking groups, meditation/ mindfulness program, mental health resources and much more. Monthly newsletter. Cost: Cost varies based on program.
4URHEALTH and Wellness Programs
Eligibility: Available to all Care Team Members after enrollment. Features: After enrollment in the program, Care Team Members can use their badge to “charge” purchases in the San Antonio café, receive discounts in the Bistro, and Gift Shop and have amount deducted from paycheck; pay period maximums apply. Cost: Varies based on purchases.
Paycheck Payment Options for Café and Bistro, Gift Shop Discounts
Eligibility: All non-exempt Care Team Members. Features: Time-and-a-half for working designated shifts on Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas Eve, Christmas, New Year’s Eve and New Year’s Day. Cost: None.
Holiday Premium
Eligibility: All non-exempt Care Team Members of departments that routinely are open on weekends. Features: 5% premium for working weekends. Cost: None.
Weekend Premium
Eligibility: Immediately for all Care Team Members Features: Provides confidential professional counseling and assistance for Care Team Members and their families to resolve problems that affect their personal lives or job performance. Cost: None. Cost covered by San Antonio Regional Hospital.
Employee Assistance Program (EAP)
Eligibility: Immediately for all Care Team Members Features: Discount tickets to amusement parks, movie theaters, sporting events and more. San Antonio café, Bistro, and Gift Shop discounts. Free parking. Discount on hospital billed services after insurance plan payment. Cost: Cost of each service or event varies.
Can I Achieve My Vision of Retirement?
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General Information
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Welcome to the SARH Retirement Plan
Meet Your Representative - Night and Evening Shift
Meet Your Representative - Offsite Shift
What is the Critical Illness Be Well Benefit? An extra $50 in your wallet.
What is Critical Illness Insurance?
A Critical Illness Overview
CRITICAL ILLNESS
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An Accident Insurance Overview
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Be Prepared: Do It Yourself Documents
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Savings For Retirement
Retirement Plan
What are your retirement goals? How do you plan to achieve them? A large part of retirement is the flexibility to do what you want, when you want, and that kind of flexibility takes planning. SARH Retirement Savings Plan offers a 401(k) retirement plan to assist Care Team Members with attaining their retirement goals.
Investing in your future is important, especially in today's economy.
401(k)
How Can I Contribute?
Can I Change How Much I Contribute?
Employer Contribution
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403(b)
How can I contribute?
Through the convenience of payroll deductions, you can make combined before-tax or Roth after-tax contributions up to the lesser of $19,500 or 100% of includible compensation. Your before-tax contributions – and any earnings – will accumulate tax deferred until withdrawn (generally at retirement), at which time withdrawals will be taxed as ordinary income.* Roth contributions will be included as taxable income in the year of contribution. Earnings on Roth contributions will accumulate tax free, and retirement withdrawals may be exempt from federal income tax if certain requirements are met. The 401(k) catch-up contribution limit—if you're 50 or older in 2021—is $6,500.
*Withdrawals made prior to 59½ are subject to a 10% federal withdrawal penalty unless an exception applies.
Can I change how much I contribute?
You may change the amount you choose to contribute to the plan monthly. Also, you can stop making contributions at anytime. Once you stop making contributions, there may be a waiting period before you can rejoin the plan.
SAHR matches 50% of your contribution up to 5% of your pay. In addition, SARH may choose to provide a discretionary non-elective contribution to eligible participants.
Features: Through a Defined Contribution 401(k) plan administered by Lincoln Financial Group, the plan provides tax-free retirement savings through an initial automatic payroll contribution of 2% of your pay, increasing to 3% after two years if you do not elect a different percentage. The Hospital matches 50% of your contribution up to 5% of your pay. A variety of investment options is available. In addition, the Hospital may choose to provide a discretionary non-elective contribution to eligible participants. Eligibility: All Care Team Members are eligible. Care Team Members hired June 1, 2020 and after are automatically enrolled after 30 days of hire. Care Team Members hired prior to this date must actively enroll. A five-year vesting schedule applies to the hospital match and any non-elective contributions. A year of vesting requires working at least 1,000 hours per calendar year. Cost: Care Team Member contributions vary
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Frequently Asked Questions ABOUT AUTO ENROLLMENT
MEET YOUR REPRESENTATIVE (MAIN CAMPUS)
Meet Your Representative (Night and Evening Shift)
Meet Your Representative (Offsite Shift)
Care Team Members hired prior to January 1, 2006, may be a participant in the San Antonio Regional Hospital Retirement Plan (a defined benefit pension plan). Contact the SARH Benefits Team if you have additional questions regarding this Plan.
Pension Summary Plan Description
Features: Through Lincoln Financial Group and Fidelity, the 403(b) plans offer an additional way to save for retirement via paycheck contributions. The Hospital does not contribute any funds to the 403(b) plans. Therefore, you should consider the maximum 401(k) paycheck contribution of 5% before you consider use the 403(b) plans as an additional investment option. Eligibility: All Care Team Members Cost: Care Team Member contributions vary
Fidelity 403(b) Salary Reduction Agreement
Lincoln 403(b) Salary Reduction Agreement
SAVINGS SUMMARY PLAN DESCRIPTIONS
All Care Team Members are eligible to participate in the service component of the plan after one year of employment and having worked at least 1,000 hours. However, the Care Team Member may begin contributions into the 401k plan upon hire and have immediate matching. Vesting schedule applies. Features: Through a Defined Contribution plan, the Hospital contributes 2.5% to 4.5% of pay each year depending on Care Team Member’s years of service. These contributions vest gradually over a five-year period. Additionally, Care Team Members may contribute pre-tax earnings into a 401k plan. The Hospital matches the Care Team Member’s contribution $.50 on the $1.00, up to the Care Team Member’s first 5% of pay contribution. The Hospital’s matching contributions are also on a five-year graded vesting schedule. Care Team Members may choose from a wide variety of investment funds. Cost: Hospital provides service-related contribution and matching component of 401k Care Team Member contributions are voluntary and vary.
Eligibility: Immediately for all Care Team Members Features: On-site annual wellness screening including online heath assessment and health advising. Lifestyle and disease management health coach-ing. Wellness programs such as health challenges and education clas-ses. Meditation Room available. Cost: Cost varies based on program.
Features: Through a Defined Contribution 401(k) plan administered by Lincoln Financial Group, the plan provides tax-free retirement savings through an initial automatic payroll contribution of 2% of your pay, increasing to 3% after two years if you do not elect a different percentage. The Hospital matches 50% of your contribution up to 5% of your pay. A variety of investment options is available. In addition, the Hospital may choose to provide a discretionary non-elective contribution to eligible participants. Eligibility: All Care Team Members are eligible. Care Team Members are automatically enrolled after 30 days of hire. Care Team Members hired prior to this date must actively enroll. A five-year vesting schedule applies to the hospital match and any non-elective contributions. A year of vesting requires working at least 1,000 hours per calendar year. Cost: Care Team Member contributions vary
Visit www.LincolnFinancial.com
Enrolling in the 401(k) Savings Plan
Your Contributions Count! Through the 401(k) Savings Plan, you can contribute up to $20,500 in 2022, or $27,000 if age 50 or older, through pre-tax payroll deduction. San Antonio Regional Hospital Contributes! San Antonio matches your .50 cents on every $1 you contribute to the 401(k) Savings Plan, up to 5% of eligible compensation. After one year of services, the Hospital also makes an annual discretionary contribution based on your years of service – this is automatic and no action is required from you. How Vesting Works: You are always 100% vested in your contributions. Hospital contributions vest over a five-year period. No Waiting Period: Start contributing immediately – don’t miss out on San Antonio’s contribution to your retirement savings. Enroll Now! • In person with an on-site Lincoln Financial representative (refer to the on-site schedule in your 401(k) booklet) • Online at www.LincolnFinancial.com • By phone at 800-234-3500
To Access the online enrollment and information site
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One-on-one enrollment meetings with a Benefits Educator makes enrollment personal and simple this year. Licensed Benefits Educators will be onsite and telephonically to help enroll you in your benefits for the 2018 plan year. Your one-on-one meeting with a Benefit Educator will help ensure that you understand how your benefit decisions directly impact you and your family and which benefit options best fit your individual situation. Beginning October 23, you will be able to schedule an onsite, face-to-face meeting or telephonic one-on-one appointment for a specific timeslot during the Open Enrollment Period that opens November 1 and ends on November 16, 2017. You will have the opportunity to schedule a telephonic one-on-one appointment until the last day of enrollment (November 16); however, appointments are limited, so schedule your appointment early. What to Expect: Your personal Benefit Educator will: • Walk you through the benefits available for 2018.• Answer any questions you have regarding what benefits will best meet your needs. • Complete your enrollment for you and provide an enrollment confirmation. How to be Prepared: • Schedule Your Appointment (scheduling is available October 23): 1. Online: Go to 4URBenefits.org and click “Book an Appointment.” 2. By Phone: Call 844-219-8323. Appointment assistance is available 6:00 AM – 3:00 PM PT, Monday through Friday. • Review your 2018 benefit information (at 4URBenefits.org, click “Review Your Benefits Information”) and document any questions you have for the Benefit Educator. • Have your dependent and beneficiary information – Social Security Number(s) and date(s) of birth – with you to your appointment.
• You or a dependent starts or ends a job (NEW HIRE) • Birth or adoption of a child • Loss of insurance coverage • Marriage, divorce, or legal separation • You or a dependent has a job change and are newly eligible for benefit coverage • You want to change your amount of life, AD&D, or LTD coverage
What you need to get started: During the enrollment process on the secure site you will be asked to provide some basic information that you should have available. • Your Social Security Number • Your dependent’s Social Security Numbers and birth dates (if enrolling in coverage)
Online enrollment using the online enrollment and information site is simple, secure, and can be completed in a few minutes from any computer with internet access. After enrolling online, you will have access to your benefit information 24 hours a day, from any computer. Enrollment or enrollment changes must be completed within 31 days of hire or an IRS qualified Change in Family Status. If you miss this enrollment timeframe, you must wait until the Annual Open Enrollment Period, or another IRS qualified Change in Family Status. For a complete list of IRS-qualified Life Event Changes, click here.
Enrolling in Health and Other Insurance Benefits
• Click here to enroll • If you have not been to the online enrollment and information site before, you must register by clicking on “Register Now” section • You must enter your Social Security Number, date of birth and home zip code on file in Human Resources • Follow the prompts to create a Username and Password and registration confirmation • You will be automatically guided to the login page; you must login with your newly created username and password to go to the Benefit Center home page which reflects your personal demographic information • If you previously registered, your will enter your Username and Password that you created under the “Been here before?” section
Click here to go directly to the Benefits Enrollment Site, administered by Benefitsolver. Here are the steps you will need to take: Info: The first time you access the enrollment site, you will need to enter a Company Key: SARH (case sensitive), your Social Security Number, and date of birth. Create: After entering this information, you will be asked to create a User Name and Password. Confirm: Successful registration is confirmed. Click on “Continue “ to get to login page. Login: Once you have created and confirmed your User Name and Password, you will be redirected to the login page. Login using the User Name and Password (case sensitive) you just created. You will be directed to the “New Hire Enrollment” page. Click “Start Here!” to begin your enrollment. If you are not ready to enroll at this time, simply log back in to the enrollment site when you are ready and click “Start Here” to complete your enrollment.
Remember: You have the option to schedule an appointment, November 4 – November 8, to meet with an onsite Benefit Educator. This appointment would allow you to ask questions about how SARH benefits impact your unique situation and get help enrollment. To make an appointment, click here.
Contact INformation
Core Advantage EPO Plan and Aetna POS Plan QualCare, Inc. (dba QANI Administrators), a Cigna Company at 844.883.2425 Aetna HMO Plan – 800.244.6224 WellDyneRx Member Services – 888.479.2000 Benefitsolver Customer Support: 833.464.3066 (Available Monday through Friday, 8 a.m. to 8 p.m. CST) San Antonio Benefits Team – Mary Ciaravino - 909.920.6339 or mciaravino@sarh.org – Ramona Stewart - 909.920.4981 or rstewart@sarh.org 4URHEALTH Team - 909.920.4874 (x24874) or 4URHEALTHcoach@sarh.org
