Gastroenterology Summary of Benefits

Full and part time employees are eligible for benefits on the first of the month following 60 days of employment.

Medical Benefits: Dependents can be covered at employee expense. Cafeteria125 Plan for FSA medical & dependent care, as well as four additional supplemental plans are offered.  There are three different medical plans to choose from:

***  BASE PLAN  –  PPO –  100% Employer Contribution for FT Employee Premium

In-Network:

$2,500 deductible ,80% Co-insurance, $20 Co-pay for Primary Care Physician office visit

$40 Co-pay for Specialty Physician office visit, $40 Co-pay for Urgent Care

Rx: Same on all three plans: $10 Preferred Generic; $30 Preferred Brand Name; $45 or 40% (whichever is greater) Non-Preferred

Out-of-Network

$5,000 Deductible,60% Co-insurance

***  BUY UP  –  PPO Plus Plan

In-Network

$1,000 Deductible, 80% Co-insurance, $15 Co-pay for Primary Care Physician office visit

$30 Co-pay for Specialty Physician office visit, $35 Co-pay for Urgent Care

Out-of-Network

$2,000 Deductible , 60% Co-insurance

***  BUY UP  –  HMO

$25 Co-pay for Primary Care Physician or OB/GYN office visit

$50 Co-pay for Specialty Physician office visit,  $35 Co-pay for Urgent Care

***  Dental Guard PPO  –  100% Employer Contribution for FT Employee Premium

Dental Guard Preferred

$50 Deductible    Waived for Preventive Services

Preventive Services:  Covered 100% for in-network or out-of-network

Basic Services:  Covered 90% for in-network   /   Covered 80% for out-of-network

Major Services:  Covered 60% for in-network /   Covered 50% for out-of-network

$1,000 Annual Maximum for all services, $1,000 Lifetime Maximum for Ortho

Child & Adult Ortho:  Covered 50% in network   /   Covered 50% out-of-network

***  BUY UP  –  Dental Guard

Same benefits as above plan with the following differences, $1,500 Annual Maximum for all services

$1,500 Lifetime Maximum for Ortho

***  Life Insurance              –      100% Employer Contribution for only  FT Employee Premium

$25,000 Term Life and AD&D

***  Employee Assistance Program –    100% Employer Contribution for Employee Premium

Unlimited Telephone Counseling

3 visits per family member per year with Psychologist or other Health Care Professional

Variable Resources of Assistance

***  Short Term Disability  ( FT Employees Only) 50% Employer Contribution for Employee Premium

15 Days Elimination Period for Accidents or Sickness, 52 Week maximum benefit, 66 2/3 % of Salary to $750

weekly maximum

***  Medical Eye Services                   

$10 Co-pay for Eye Exam, One Exam every 12 months (covered by insurance), Frames and Lenses every 24 months

($120 covered by insurance), $25.00 Co-Pay Materials (Frames, Lenses, Contacts)

***FSA- – Flexible Savings Account

$2,500 annually for Medical FSA, and $5,000 annually for Dependent Care

*** Elective Supplemental Benefits

Life insurance, term and whole life, accident insurance, critical insurance

Paid Time Off- PTO

1 to 5 years employment 15 days per year, 6 to 10 years 20 PTO days per year, 11+ yrs 25 PTO days per year.

Holidays- 10 holidays in 2013

New Year’s Day, Memorial Day, Independence Day July 4th & 5th, Labor Day, Thanksgiving, and Friday after, Christmas Eve,

Christmas Day, New Year’s Eve.

GI Consultants is accredited by the following: Nevada Colon Cancer Partnership, Screen for Life, American Gastroenterological Association, American Society for Gastrointestinal Endoscopy, Society of Gastroenterology Nurses and Associates, Inc., Accreditation Association for Ambulatory Health Care, American College of Physicians - Internal Medicine, and is Board Certified by the American College of Gastroenterology.