Benefits

Health Insurance

Health insurance is available through Highmark of West Virginia. Employees are eligible on the first day of the month following the date of hire. 

Coverage costs to the employee for the plan is as follows:

Health Coverage	Monthly Premium
Employee Only - Tobacco Free	$85.00
Employee Only	$115.00
Employee + Child(ren) - Tobacco Free	$185.00
Employee + Child(ren)	$245.00
Employee + Spouse - Tobacco Free	$420.00
Employee + Spouse	$485.00
Family - Tobacco Free	$450.00
Family	$520.00

In any month with three pay periods, no premiums are taken out for the third pay period of that month.

We offer one health insurance plan, Super Blue Plus, through Highmark West Virginia with three
network tiers.

• Enhanced Network - This includes all Marshall Health and Cabell Huntington Hospital providers and facilities. In the Enhanced Network there are no office visit copays for primary care office visits. There is a $20.00 co-pay for specialist office visits. The deductible for individual is $250 and $500 for family. 
• Standard Network - This includes the national in-network providers and facilities. The deductible for individual is $600 and $1,200 for family.
• Non-Network - This is the out of network providers and facilities for Highmark. The deductible for individual is $1,000 and $2,000 for family.

Section 125 Flexible Benefit Plan
Employees may choose to have any health insurance premiums deducted from their pay designated as a “pre-tax” deduction. By choosing not to participate in the Section 125 you do not have your premiums deducted “pre-tax.”

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Prescription Coverage

Prescription co-pays consist of $5.00 for generic prescriptions, $20.00 for formulary prescriptions and 25% coinsurance for prescriptions that do not have a generic or preferred alternative. The Marshall Pharmacy will waive the generic copay of $5.00.

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Dental Insurance

Employees may choose to elect dental coverage through Delta Dental. Two dental plan options are available--a Basic Plan and an Enhanced Plan. The premium structure is dependent upon the plan and the type of coverage elected by the employee: employee only, employee and child(ren), employee and spouse, family, etc.

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Vision Insurance

Employees may choose vision coverage through Davis Vision, Designer Vision Plan. This plan works
with Visionworks as well as other vision providers in the area. The premium structure is dependent on
the type of coverage elected by the employee: employee only, employee and child(ren), employee and spouse, family, etc.

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Life Insurance

Life insurance coverage is provided through The Standard. This begins the first day of the month coinciding with or following date of hire at no cost to employees. The life benefit is equal to 1.25 times the annual salary with a minimum $60,000 coverage and a maximum benefit of $210,000, unless the employee is past the age of 65, at which time the benefit is reduced.

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Retirement

Retirement benefits are provided through TIAA (Teachers Insurance Annuity Association). Participation is mandatory. 6% is deducted from the employee’s pay on a pre-tax basis and 6% is contributed by the organization, thus making a 12% total contribution to an employee’s retirement fund. There is also an option for employees to begin a supplemental retirement account and have additional non-matched funds submitted to the retirement plan. To do this, employees must notify the Benefits Coordinator. To be vested (retain employer’s portion of contributions) employees must remain employed with Marshall Health and be a participant in the plan for three years.

Upon retirement, employees age 55 or older who have 15 years of continuous service may be compensated for their accrued sick leave, up to a maximum of 1,040 hours, or use the amount toward purchasing extended health insurance coverage.

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Long-Term Disability

Long-term disability coverage is provided through Northwestern Mutual. This begins the first day of the month coinciding with or following the date of hire at no cost to employees.

One must be disabled six months before becoming eligible to receive benefits. It is based on 60% of annual salary up to a maximum of $100,000 annual salary. There is a $5,000 per month maximum payout. This would be offset by an amount received from social security. This does not include any privately-owned policies.

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Annual & Sick Leave

• Holidays - There are 11 paid holidays annually.
• Vacation - Vacation accrues based on length of service as well as paid hours ranging from 12 days per year to 24 days per year. Exempt employees accrue up to 24 days per year. Employees may carry up to two times the annual accrual available.
• Sick/Emergency Leave - Employees accrue sick/emergency leave based on paid hours up to 12 days per year. Employees may carry up to 1,060 hours of sick leave.