Office of Benefits & Pension Administration 

Howard University Hospital Employee Benefits
 

This Savings Plan represents Howard University Hospital's commitment to your future. Howard University Hospital contributes six percent (6%) of your base annual salary (after you have been here a year). These contributions will fund part of your retirement income, you can add to this by saving some of your pay and investing it.

MEDICAL COVERAGE

Capital Care HMO

You have medical coverage in the Capital Care HMO for [MedCov].

Under the Capital Care HMO plan, coverage is provided through a select network of providers. To receive covered benefits, you must use In-Network providers and facilities and must choose a primary care physician (PCP). There is no annual deductible and no claims to file. There is no coverage for care received from Out-of-Network providers, unless due to a life or limb- threatening emergency.

A prescription drug program is included with your medical coverage. You may purchase a 34- day supply of generic, preferred brand, or non-preferred brand drugs through local Express Script pharmacies. You will pay $10(generic), $15(preferred brand), or $25(non-preferred brand) co-payments. Mail order drugs are available for a $15 (generic), $20(preferred brand, or $35 (non-preferred brand) co-payment for a 90-day supply.

If you use a Howard University Hospital (HUH) HMO Provider, 100% of most expenses (excluding out-of-pocket) will be paid for services received at HUH or from a HUH physician in the physician’s office.

Capital Choice POS

Under the Capital Choice (POS) plan, you have a choice between in-network and out-of-network benefits. If you use in-network benefits, you must choose a primary care physician (PCP) form Capital Choice providers of facilities. There is no annual deductible and no claims to file.

As stated earlier, you may use out-of-network providers. You are not required to choose a PCP, but must meet an annual deductible before your benefits begin. Once your deductible is met, you pay a percentage of the cost for services, and you must file a claim form.

A prescription drug program is included with your medical coverage. You may purchase a 34- day supply of generic, preferred brand, or non-preferred brand drugs through local Express Script pharmacies. You will pay a $12 (generic), $20(preferred brand), or $30(non-preferred brand) co-payment. Mail order drugs are available for a $12(generic), $32(preferred brand), or $45(non-preferred brand) co-payment for a 90-day supply.

If you use a Howard University Hospital (HUH) Provider, 100% of most expenses (excluding out-of-pocket expenses) will be paid for services received at HUH or from a HUH physician in the physician’s office.

Care First PPO

You have medical coverage in the Care First PPO for [MedCov].

Under the Care First PPO plan, coverage is provided through a network of providers. You are not required to choose a primary care physician (PCP). You may select any provider or specialist you want, but you pay lower out-of-pocket cost when you use a Care First provider or facility. You must meet an annual deductible before your benefits begin. Once your deductible is met, you pay a percentage of the cost for services, and you must file claim forms for non-CareFirst/Howard University Hospital (HUH) providers and facilities.

A prescription drug program is included with your medical coverage. You may purchase a 34- day supply of generic, preferred brand, or non-preferred brand drugs through local Express Script pharmacies. You will pay a  $14 (generic), $22(preferred band), or $35(non-preferred. brand) co-payment. Mail order drugs are available for $18(generic), $50(preferred brand), or - $50(non-preferred brand) co-payment for a 90-day supply.

If you use a Howard University Hospital (HUH) PPO Provider, you do not have to meet a deductible and most services are covered at 100% (excluding co-payments).

VISION CARE

Vision care through Spectera covers In-Network routine eye exams every 12 months for only $10, and lens and contact replacements for $25 each. Out-of-Network services are available at a higher cost. You may be reimbursed for a portion of these costs.

DENTAL COVERAGES

With Delta Dental Preferred you must meet an annual deductible before benefits begin. Delta Dental Preferred includes orthodontic services of up to $2,000 lifetime maximum benefit per person. The annual maximum benefit (excluding orthodontic) is $2,000 per person. With Delta Dental Premier, you must meet an annual deductible before benefits begin. You can utilize a wide network of delta Premier providers. The annual maximum benefit is $1,500 per person. Orthodontic benefits are not offered through Delta Dental Premier.


EMPLOYEE ASSISTANCE PROGRAM

You and your family are covered under the confidential Employee Assistance Program (EAP) at no charge to you. Through the EAP program, help for virtually any work/life issue you are experiencing is available 24 hours a day, 7 days a week. Each year, you and your family members can receive five free in-person counseling sessions. All services are available through a confidential, single point of contact. Call 1 -800-888-CARE (2273) or access the Magellan website at www.magellanassist.com.

FLEXIBLE SPENDING ACCOUNTS

You may contribute $3,000 annually towards your pre-tax Health Care Spending Account and $5,000 annually towards your Dependent Care Spending Account. Health expenses such as drugs, chiropractic care, wheelchairs, health care co-payments, and hearing aids can be reimbursed. Dependent Care expenses such as preschool and day care for your child or disabled dependent while you are at work are also generally reimbursed. For a complete list of eligible expenses, contact the Benefits Office.

SHORT-TERM DISABILITY

Short-Term Disability (STD) coverage provided you with income replacement if you are disabled for at least thirty days. STD pays 50% of your base salary (maximum $500 per week, for up to 22 weeks).

LONG-TERM DISABILITY

After six months of total disability, you may be eligible for 60% of your base salary, up to $5,00O/month, and no less than $100/month) until your normal retirement age as defined by the Social Security Administration.

LIFE INSURANCE

Basic Group Life Insurance Coverage

You automatically receive Basic Life and Accidental Death and Dismemberment (AD&D) coverage equal to one times your base salary, to a maximum of $50,000. Life Insurance provides a benefit to your beneficiary upon your death. AD&D coverage provides additional benefits if you die or suffer a covered dismemberment as the result of an accident.

Supplemental Life Insurance

You may purchase additional coverage equal to 1,2,3,4, or 5 times your base annual salary to a maximum of $500,000. (Maximum Basic and Supplemental should not exceed $550,000).

Spouse Life Insurance Coverage

You can purchase up to $25,000 or up to $50,000 in Life and AD&D coverage for your spouse. Coverage may not exceed one-half of your total coverage, up to $50,000.

Dependent Life Insurance Coverage

You can purchase Life and AD&D coverage for your dependent children, up to age 19 (23, if full-time student in an accredited college or university), equal to $10,000 for each child.

LEAVE PROGRAMS

The Hospital's leave programs consist of paid days for vacation, holidays and sickness. The wide range of events for which paid of unpaid leave may be granted (e.g., subpoenaed court appearances, jury duty, medical problems, funerals, care for sick child, spouse or parent, work- related illnesses or accidents, military duty and religious observances) permits flexibility for individual needs.

EMPLOYEE ANNUAL AND SICK LEAVE: (Full-time employees)

• 13 days of annual leave per year with less than 3 years of service
• 20 days of annual leave per year with three years but less 15 years of service
• 26 days of annual leave per year with 15 years or more years of service
• 13 days of sick year per year
• 10 hospital holidays

EMPLOYEE LEAVE: (Part-time employees)

To earn annual leave, part-time employee must be salaried and have a regularly assigned tour of duty at the Hospital of at least one (1) day of each week in the pay period.

• One hour of annual leave for each 20 hours in a pay status, with less than three years of service.
• One hour of annual leave for each 13 hours in a pay status, with three but less than 15 years of service.
• One hour of annual leave for each 10 hours in a pay status, with fifteen or more years of service.
• Part-time employees shall earn one hour of sick leave for each 20 hours in a pay status.

UNPAID TIME OFF

Howard University and Howard University Hospital provides family and medical leave to eligible employees according to the Family and Medical Leave Act (FMLA) of 1993. The University also recognizes the Family and Medical Leave laws of the District of Columbia and any local jurisdiction covering University employees. You are eligible for FMLA when you are away from work to care for yourself or immediate members of your family. Under Howard University's Family and Medical Leave benefit, you may be eligible for up to thirty-two weeks of unpaid, job-protected time off per year.

CREDIT UNION - Howard University

Employees of the hospital are eligible to become members. Contact the Credit Union for more information at (202) 806-6128.

CHILD CARE CENTER - Howard University Hospital

Available to Howard University Hospital/University Staff and Ledroit Park residence. Welcomes children six(6) months to four(4) years-old. NAEYC Accredited.