The Main Line Health PerfectFit Benefits Program provides a variety of medical options.  When you enroll for medical coverage, you are automatically covered under the Prescription Drug Plan.

You can choose from five medical options.  Each medical option offers preventive, routine and emergency care.  You may also waive coverage if you have coverage elsewhere.

You can choose from the following options:

The coverage levels available to you are:

Your Prescription Drug Benefits

You automatically receive coverage under the Prescription Drug Plan when you elect any of the medical plan options.  You're encouraged, but not required, to use the MLH Employee Pharmacy to fill prescriptions for acute care.  Maintenance prescriptions must be filled by the Employee Pharmacy.  The cost of your prescription will depend on where you get it filled and if it is a brand-name or generic drug.  You'll pay the least for maintenance and acute care medications when you use the Employee Pharmacy and select a generic equivalent.

Aetna Network Pharmacy

You can purchase up to a 30-day supply of most acute care generic and brand-name prescription drugs at any Aetna participating pharmacy (most major retail pharmacy chains/stores participate in the Aetna network).

The Aetna prescription drug benefit is a three-tier prescription drug program.

Days' Supply	Generic Drugs	Preferred Brand Drugs	Non-Preferred Brand Drugs
1-30	$10 co-pay	$25 co-pay	$35 co-pay

Your cost per prescription at the Employee Pharmacy:

Your Dental Benefits

You can select from two dental plan options.  Each dental option offers preventive, basic and major restorative care.  You may also waive coverage.

You can choose from the following options:

• Waive Coverage
• Aetna DMO
• Delta Dental's Delta Premier Program

The coverage levels available to you are:

• Employee Only
• Employee + One
• Employee + Family

Your Vision Benefits

Under the MLH Vision Plan, vision care is offered through Vision Benefits of America (VBA).  You can receive vision care and purchase corrective eyewear at in-network rates through VBA's nationwide network of more than 12,000 optometrists, ophthalmologists and retail optical stores.

You can choose from the following options:

• Waive Coverage
• Vision Benefits of America (VBA)

The coverage levels available to you are:

• Employee Only
• Employee + One
• Employee + Family

Your Flexible Spending Accounts (FSAs)

MLH offers you two pre-tax accounts that allow you to set aside money to pay for certain healthcare and dependent care expenses.  They are:

• Health Care Flexible Spending Account - You can contribute from $78 to $5,000 annually or you can choose to waive coverage.
• Dependent Care Flexible Spending Account - You can contribute from $78 - $5,000 annually ($2,500 if you are married and file separate tax returns) or you can choose to waive coverage.

Your Life Insurance Benefits

You may choose to protect yourself and your family with Employee and/or Dependent Life Insurance.

Employee Life Insurance

You can choose from the following options for yourself, up to a maximum benefit of $2.5 million:

• Waive Coverage
• 1x pay
• 2x pay
• 3x pay
• 4x pay
• $5,000 flat amount
• $50,000 flat amount

MLH pays for employee life insurance of 1x your pay; you pay the cost for any additional coverage that you elect.  You will receive money back in your paycheck if:

• You waive coverage
• You elect the $5,000 option
• You elect the $50,000 option and your annual pay is more than $50,000

Dependent Life Insurance

You may choose from the following options for your dependents.  You pay the full cost of this coverage.

• Waive Coverage
• $5,000 for your spouse and/or $2,500 for each child
• $10,000 for your spouse and/or $5,000 for each child
• $25,000 for your spouse and/or $10,000 for each child
• $50,000 for your spouse and/or $20,000 for each child

Your Accidental Death & Dismemberment (AD&D) Benefits

You may choose to protect yourself and your family with AD&D Insurance.

AD&D pays benefits in these situations:

• If you or a covered dependent die as a result of an accident, AD&D benefits are paid in addition to life insurance benefits
• If you or a covered dependent is seriously injured in an accident (for example, you lose a limb or your sight), a percentage of the full AD&D benefit is payable.

Employee AD&D Insurance

You can choose from the following options for yourself:

• Waive Coverage
• 1x pay
• 2x pay
• 3x pay
• 4x pay
• $5,000 flat amount
• $50,000 flat amount

MLH pays for AD&D insurance of 1x your pay.  You will receive money back in your paycheck if:

• You waive coverage
• You elect the $5,000 option
• You elect the $50,000 option and your annual pay is more than $50,000

Dependent AD&D Insurance

You may also choose coverage for your family.  If you choose Employee + Family AD&D coverage, dependent AD&D coverage is based on your election.

This chart shows how much coverage you would get under each option.

Your Long-Term Disability (LTD) Benefits

Main Line Health allows eligible employees (other than Senior Management & Physicians) to receive a choice of the benefits listed below if you are disabled for more than 180 days due to a qualifying illness or accident that occurred on or off the job.  MLH offers LTD coverage up to 60% of your pre-disability pay, at no cost to you.  You may elect LTD coverage which pays a benefit equal to:

• 50% of your pre-disability pay
• 60% of your pre-disability pay
• 70% of your pre-disability pay

Your Short-Term Disability (STD) Benefits

**Please Note: Your Short-Term Disability entitlement may vary based on your work location and employment status.  To learn more click on the Disability Benefits Section under 'Understanding Your Benefits' on the left navigation bar.

Main Line Health allows eligible employees to receive 50% of your pre-disability pay for up to 150 calendar days if you are unable to work as a result of a qualifying illness or accident that is not job-related.  MLH provides STD coverage at no cost to you.  The STD program is administered by Nationwide Better Health.

You are eligible to participate in the STD program if you are:

• A full-time or part-time benefit eligible employee authorized to work at least 16 hours per pay period.

Earned Leave

**Please Note: Your earned leave entitlement may vary based on your work location and employment status.  To learn more click on the Earned Leave Section under 'Understanding Your Benefits' on the left navigation bar.

Basic Leave (following 90 days of service)

Employees earn 4-7 weeks per year (accrued biweekly) for full-time employees based on pay grade and length of service, pro-rated for part-time employees.  Used for scheduled vacation, personal time, and short-term illness.  Cash-in option available.  Maximum carryover is one times annual accrual. 

Extended Illness (following 90 days of service)

Two weeks per year (accrued biweekly) for full-time employees, pro-rated for part-time employees.  Used for employee's extended illness with physician certification.  Maximum accrual is 80 days.

Holidays (upon hire)

Six designated holidays: New Year's Day, Memorial Day, 4th of July, Labor Day, Thanksgiving, and Christmas.

Jury Duty (upon hire)

Paid leave

Bereavement (upon hire)

Paid leave up to 5 scheduled days.

Work/Life Benefits

Carebridge - Main Line Health's work/life information provider.  Carebridge counselors and publications can help with: child care, eldercare, parenting, college planning, relocation, adoption information, personal financial management, time or stress management.  They will help you with referrals, provide written material and help you find eldercare options.  This program is provided at no cost to employees.

Direct Deposit - All new employees are required to sign up for Direct Deposit (using ePay through MLH Self Service) to a checking or savings account through payroll deductions.

FirstCALL - Employee Assistance Program - Main Line Health's Employee Assistance Program (EAP) First Call.  This program provides short-term counseling, consultation, referrals and case management to employees and members of their households.  FirstCALL can help you address issues such as: stress, relationship and emotional problems, job pressures, concerns about substance abuse, legal and financial quandaries, health advocacy services and more.  Employee Assistance services are free, confidential, and accessible 24/7.

Franklin Mint Federal Credit Union - A Federal Credit Union is available to all employees of Riddle Memorial Hospital.  The Credit Union offers a wide variety of banking, financial and investing services to members, including checking and savings accounts, mortgages, loans, insurance, brokerage and investing accounts, credit cards, ATM cards, and on-line banking.  The Credit Union offers convenient, low cost services to Riddle Memorial Hospital Employees.

Main Line Health Federal Credit Union - A Federal Credit Union is available to all employees of Main Line Health.  The Credit Union offers a wide variety of banking, financial and investing services to members, including checking and savings accounts, mortgages, loans, insurance, brokerage and investing accounts, credit cards, ATM cards, and on-line banking.  The Credit Union offers convenient, low cost services to Main Line Health Employees.

MLH Employee MarketPlace - Motivano - Employees can purchase a wide range of products and services at discounted prices through the Motivano website and telephone customer service representatives.  In addition to buying services, the MarketPlace provides concierge and personal buying assistance.

Parking - Free parking.  All employees are eligible upon hire.

StayHealthy Program - Staying healthy is a full-time commitment at Main Line Health.  This program offers some very exciting, and rewarding, disease management services.

Transfer Opportunities (Job Posting) - Eligible to post for transfer opportunities within Jefferson Health System after 9 months of service.  Consideration based on qualifications.

Tuition Reimbursement - 100% of tuition up to $6,000 per calendar year for full-time employees.  Pro-rated benefits for part-time employees.  Reimbursed upon satisfactory completion of pre-approved course(s).  Eligibility: following 90 days of service; authorized to work at least 32 hours per pay period.

Read the Main Line Health Tuition Reimbursement Policy to find out more about how to further your education.  The application for Tuition Reimbursement can be found by clicking the link.  MLH Tuition Reimbursement Application, print the form to complete.

Verizon Wireless Employee Discount Program - Verizon Wireless offers Main Line Health employees 22% off of their monthly access fees and additional discounts on equipment. 

Retirement

Main Line Health Retirement Income (Pension) Plan You have a benefit few other American workers now have, a defined benefit pension plan which you earn over your career without contributing a penny.  You "own" your benefit after just five years of credited service.  Your pension plan is an important part of your financial future.

Your Main Line Health Retirement Savings Plan in a Nutshell

• For every dollar you contribute to the plan, up to 4% of your earnings, MLH will match $0.25.
• You don't pay taxes on the money you contribute, the matching funds, or the interest until you make a withdrawal.
• You are always 100% vested in the money you contribute and the investment gains (or losses) on that money.  You become fully vested in (that is, you are entitled to) MLH's matching contributions after two full years of employment.

If you're not taking advantage of the match, you're losing money!  If you earn $25,000 and contribute 4%, you are saving $1,000 and getting a match of $250, plus interest on both.  If you have to, start small and build up your savings rate.

Contact for all MLH System Retirement Program questions.

Karin Skahan

610-229-4175

50-4175

Summary Plan Descriptions

PerfectFit                                                  Retirement

Introduction & General Plan Info                              MLH Retirement Plan (Pension)

Medical                                                                     MLH Retirement Plan (Savings)

Dental

Vision

Additional Medical, Dental, Vision Info

FSA

Disability

Life Insurance 

Annual Funding Notice (Summary Annual Report)