Benefit Program Highlights for House Officers (2011)
...an overview of the benefit programs and services designed to help support you as a member of the BIDMC community
Beth Israel Deaconess Medical Center offers a broad-based benefits program, with choice and flexibility to meet diverse needs. The benefits summarized here are available to House Officers who are in budgeted positions and regularly scheduled to work 20 or more hours per week. Benefits become effective within the first month of your employment.
Medical Insurance: The hospital provides a choice of
three medical plans. They are administered by Harvard Pilgrim Health Care: the CareGroup Value and Plus point-of-service plans (POS) plans and a preferred provider organization (PPO). Each plan includes prescription drug coverage. The Medical Center contributes about 80% of the cost of medical coverage; your share of the cost is pre-tax.
Dental Coverage: You may join the Delta Dental PPO Plus Premier Plan, which provides coverage for dental services such as cleanings, diagnostic x-rays, fillings, tooth extraction, crown and bridge work. Orthodontia benefits are available up to age 19. You pay the full cost of this plan, pre-tax.
Vision: Through the EyeMed Vision Plan, you have coverage for your eye wear materials: frames and lenses, including contact lenses. (Eye exams are covered through the medical plans.) You pay the full cost of this benefit pre-tax.
Note: You may enroll your spouse or same-sex domestic partner (if you live outside of a state that recognizes same-sex marriage--currently only RI), and your dependent children, for medical, dental and vision coverage.
Partnership with New England Eye Institute: If you participate in one of BIDMC's Harvard Pilgrim Health Care plans and you visit the NE Eye Institute for your vision exams your co-pay will be waived. You receive a 40% discount on all eye glasses and sunglasses in their Optical Department and very competitive pricing on contact lenses.
Flexible Spending Accounts
: You may set aside money, pre-tax, to pay for certain out-of-pocket medical care and dependent care expenses with tax-free dollars. You choose how much to contribute to one or both accounts, up to the annual plan maximums.
Basic Group Life Insurance: The Medical Center provides basic group term life insurance coverage in the amount of one times your annual base pay at no cost to you.
Supplemental and Dependent Life Insurance: You may purchase additional life insurance for yourself, from 1/2 up to five times your annual base pay (in ½ pay increments). You may also choose to purchase life insurance coverage for your spouse, same-sex domestic partner (if you live outside of a state that recognizes same-sex marriage) and dependent children.
HIV Supplemental Benefit Plan: This plan, fully paid by BIDMC, provides financial assistance and other services if you become HIV positive as the result of a work-related exposure.
Short-term Disability Insurance: You are automatically enrolled in the Trainee Short-term Disability (STD) Plan, at no cost to you, on your first day of training. Generally, they plan will pay 100% of your regular base pay for weeks 1 to 8, and 60% of your regular base pay for weeks 9 to 26, if you are out of work and unable to perform all the duties of your job due to illness or injury. For maternity leave this is a salary continuation policy. If you are a non-ACGME trainee you may not be eligible for this policy; please check with your department administrator.
Long-term Disability Insurance: You are automatically enrolled for long-term disability insurance that provides 50% of monthly pay up to $7,500 per month after being absent from work for six months. You may purchase up to a 60% benefit if you wish.
Voluntary 401(k) and 403(b) Savings Plans: You may save pre-tax money for your retirement through the Medical Center's 401(k) and/or 403(b) savings plans. You choose where to direct your 401(k) and/or 403(b) contributions from a wide range of funds offered by Fidelity Investments. Any 403(b) contributions may be invested with Fidelity. (Note: There are no Medical Center matching contributions to your accounts.)
There's more! You may also:
- Enroll for
ARAG Group Legal and Financial Advisory Plan and/or
Accidental Death & Dismemberment Insurance;
- Get help with commuting expenses through Commuter Services;
- Take advantage of the
Employee Assistance Program for confidential counseling for you and your family members seeking professional guidance with personal or work-related problems;
- Take advantage of the wellness programs offered at the
Tanger Be Well Center for Health Management;
Parents in a Pinch for back-up child and elder care services;
- Join a credit union--Alpha Credit Union or MAFCU Credit Union; and
- Apply for direct deposit of your paycheck.
Questions? Contact the Benefits Office at (617) 632-9400 or
Beth Israel Deaconess Medical Center: The Medical Center of choice for the Boston Red Sox!