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Employee Benefits at a Glance

Family

North Central Health Care offers a comprehensive benefit package that contains some of the most competitive benefits available in Central Wisconsin. NCHC's benefits package is an important part of your total compensation package, adding value and giving you peace of mind. Each of our employee benefits have been carefully researched and negotiated. You can enroll in your benefits with the assurance that your benefit needs are a priority at North Central Health Care. 

You Benefit Guide

Benefits at a Glance

The benefit information presented below describes only the highlights of the NCHC benefit plans. Benefits for our employees include:

  • Paid Leave Time
  • Paid Holidays
  • Retirement Savings Plans
  • Health Plan Coverage
  • Teledoc
  • Prescription Drug Plan
  • Dental Plan
  • Vision Plan
  • Flexible Spending and Dependent Care FSA
  • Long- and Short-Term Disability
  • Group Term LIfe Insurance
  • Critical Illness Insurance
  • Accident Insurance
  • Employee-Assistance Program

Each year, employees are offered education sessions to learn more about their benefits and also have the opportunity to ask questions in-person to the providers that adminster our plans. A YOU Benefit Guide is provides to all NCHC employees that provides a comprehensive resource for benefits.

PAID LEAVE TIME

North Central Health Care values you as an employee and also knows the importance of taking care of our employees, which is why paid leave time is offered to our employees based on a an accrual system. From your hire date, each employee accrues PLT calculated by the number of hours worked.

PAID HOLIDAYS

North Central Health Care offers eight paid holidays per year to our staff that include: New Years’ Eve, New Years’ Day, Memorial Day, July 4th, Labor Day, Thanksgiving Day, Christmas Eve and Christmas Day.

RETIREMENT SAVINGS PLANS

North Central Health Care participates in the Wisconsin Retirement System (WRS). The WRS is a defined benefit retirement program that is commonly referred to as a pension plan. Combined with Social Security benefits (where applicable) and personal retirement savings accounts, WRS benefits can help provide financial security during retirement. Employee contributions are mandatory. WRS is a tax deferred defined benefit plan. In 2017, employees contribute 6.8% of their eligible wages and NCHC contributes a match of that same 6.8% for a total of 13.6%. Eligibility varies by hire date. If you meet requirements you will automatically be enrolled in the Wisconsin Retirement System. In addition to the Wisconsin Retirement System you may also participate in a 457(b) Deferred Compensation Plan.  Specific details about WRS benefits, including benefit estimates, may be obtained at the Department of Employee Trust Funds Plan Website: www.etf.wi.gov  (877) 533-5020

HEALTH PLAN COVERAGE

North Central Health Care offers two Health Plans that cover the same services but have different cost structures. Both plans are paired with a Health Savings Account (HSA). To be eligible for Health Insurance you will need to work a minimum of a 0.5 FTE status. North Central Health Care has two different levels of premium contribution based on your FTE status.

TELEDOC

For employees enrolled in North Central Health Care’s Health Plans, Teledoc offers 24-7 access to a physician consultations. Consultations are provided via phone, video and the internet. Employees will have access to a national network of U.S. board-certified physicians who use electronic health records, telephone consultations and online video consultations to diagnose, recommend treatment and write short-term, non-DEA-controlled prescriptions, when appropriate. Physicians are available 24 hours a day, 365 days a year. Members of any age can conveniently access quality care from their home,  work or on-the-go as opposed to more expensive and time-consuming alternatives like the doctor’s office or emergency room. After the you request a medical consultation, the average time for a return call from a Teladoc physician is less than one hour – oftentimes in fewer than 30 minutes. Teladoc guarantees a return call within one hour or the medical consultation is free. For more information about Teladoc visit https://www.teladoc.com or 1.800.Teledoc (1.800.835.9968)

PRESCRIPTION DRUG PLAN

If you are enrolled in North Central Health Care’s health plan, you are automatically enrolled in the Optum Rx Prescription Drug Plan. All employees, regardless of whether they’re enrolled in NCHC health coverage, also have access to North Central Health Care’s in-house pharmacy services. 

DENTAL PLAN

North Central Health Care provides dental coverage that is administered by Delta Dental for eligible North Central Health Care employees. Delta Dental PPO is Delta Dental’s national preferred provider organization program that gives you access to two of the nation’s largest networks of participating dentists–the Delta Dental PPO network and the Delta Dental Premier network. Although you can go to any licensed dentist anywhere, your out-of-pocket costs are likely to be lower if you go to a dentist who participates in one of these networks.

VISION PLAN

North Central Health Cre provides vision benefits administered through National Vision Administrators, L.L.C. (NVA) and offers a comprehensive vision care plan to you and your eligible family members. Each enrolled person may receive frames once every 24 months and lenses once every 12 months. Contact lenses every 12 months.

FLEXIBLE SPENDING ACCOUNTS

Flexible Spending Accounts (FSAs) allow you to pay for out-of-pocket dependent care expenses with pre-tax dollars. Your contributions are subtracted from your paycheck before federal, state, and FICA taxes are calculated on your pay, so you save money on taxes. Contributions for FSAs do not reduce your pay for purposes of determining your life insurance, long-term disability or retirement benefits provided by North Central Health Care. NCHC offers Dependent Care FSA —covers eligible dependent daycare or elder care expenses so you can work or attend school full-time. Employees are permitted to participate in the Dependent Care FSA. If you are on the HSA Plan you can deduct pre-tax dollars directly into your HSA account to pay for out of pocket expenses up to the maximum limits.

LONG-TERM DISABILITY

The Long-Term Disability (LTD) plan pays up to 60% of your covered pre-disability base salary when you become totally disabled. The maximum covered benefit is $6,000 per month and benefits begin after 90 day(s) of disability. The plan is paid for by North Central Health Care to employees that are a 0.5 or greater in Full-Time Equivalent (FTE) status. 

GROUP TERM LIFE INSURANCE

North Central Health Care offers group term life insurance to employees that are eligible for the Wisconsin Retirement System. Youcan elect insurance up to five times your annual salary. Dependent and spouse coverage is also available. 

SHORT-TERM DISABILITY

Short-Term Disability (STD) is an optional coverage that protects your income. You can elect up to 66% of your salary to be paid to you in the event that you cannot work due to a disability. This policy has a 90 day expiration, if you are still disabled after 90 days you may be eligible to receive Long-Term Disability benefits. 

CRITICAL ILLNESS INSURANCE

Critical illness with cancer insurance coverage helps with the financial burden that can come along when cancer, heart attack, stroke and multiple other diseases strike a family unexpectedly. This coverage pays a lump sum up to $50,000 if one of the covered diseases happens to your family. The money comes to you and can be used any way you choose. There is also an annual $75 wellness benefit for each covered adult. 

ACCIDENT INSURANCE

This plan protects you and your family against the unexpected costs associated with an accident. This plan pays you cash that can be used to help with your house payment, car payment, groceries, and cell phone payment or even help with out of pocket medical expenses like your deductible. It’s your money, you choose where it goes. This plan includes a $200 wellness benefit paid once a year when you complete your annual exam.

EMPLOYEE ASSISTANCE PROGRAM

North Central Health Care’s Employee Assistance Program (EAP) is available to all employees and their family members. Employee Assistance Program counselors can aid you and your family in assessment, problem solving and support to assist you in working through a number of work-life issues and concerns.


Eligibility

Your eligibility for benefits at North Central Health Care is based on your designated Full-time Equivalent (FTE) and hours worked. Generally the minimum status an employee can work and be eligible for benefits is 0.5 FTE which is at least 40 hours per pay period. Eligibility for health insurance is based on the number of hours worked in the last year.

NEW HIRE OR NEWLY ELIGIBLE

If you are a new hire or newly eligible for benefits, your benefits will take effect the first day of the month following your date of hire. Exceptions to this will be designated by eligible Qualifying Events.

MARRIED SAME-SEX COUPLES

Effective January 1, 2015, coverage on our benefit plans was extended to provide benefits eligibility to same-sex couples.

 

Important Notice from North Central Health Care About Your Prescription Drug Coverage and Medicare

The following notice concerns the Medicare Part D prescription drug benefit for 2018. North Central Health Care is required to notify Medicare eligible policyholders whether their prescription drug coverage is creditable coverage, which means that the coverage is expected to pay on average as much as the standard Medicare prescription drug coverage. MedicarePartDLetter.pdf

 

For More Information

For curent employees, you may review your complete benefit plan information, including eligibility and monthly rates by visiting the North Central Health Care’s Intranet page at http://intranet/NCHC/Departments/HumanResources/BenefitInformation.aspx

Copies of North Central Health Care's YOU Benefit Guide may be requested in-person at the Human Resources Office at the Wausau Campus at 1100 Lake View Drive in Wausau from 8:00 a.m. – 4:30 p.m. Monday – Friday, or by contacting hresources@norcen.org or 715.848.4419. 

The benefit information presented here describes only the highlights of the NCHC benefit plans and does not constitute official plan documents. Additional terms and conditions apply. If there are any discrepancies between the information contained herein and the official plan documents, the plan documents will govern. This benefit overview is not intended to give rise to any right to employment, continued employment, or any benefit with or from North Central Health Care. To view official plan documents, go to http://intranet/nchc.aspx or contact the Human Resources Office at the information provided above.