Hayward Area Memorial Hospital & Water's Edge

Then read on for more information about your benefits.

Ashland Memorial Medical Center

Enroll by phone November 20-22
Then read on for more information about your benefits.

Your Benefits Hub

Your benefits are an important part of your total compensation. Learn more about your benefits with the information on this page, and come prepared to your benefits enrollment meeting with any questions you may have.

Medical Insurance

Health Insurance is designed to provide protection for you and your dependents in the event that you require medical care. Remember that you can help to keep your plan costs low. Make sure you understand your plan so that you can use your medical benefits wisely.

Dental Insurance: HAMH/WE

Dental Coverage is designed to provide protection to you and/or your family in the event that you require dental services during the year. Your plan is designed to encourage regular visits to your dentist, which is essential to maintaining oral health, and to provide coverage for basic diagnostic and preventive dental needs.

Learn More about HealthPartners Dental Coverage:

Health Reimbursement Account

A Helath Reimbursement Account (HRA) is tax-free medical expense account established by your employer on your behalf when enrolling in qualified high deductible health plan tied to an HRA.

HAMH/WE will fund the HRA plan in the amount of $2,000 for single coverage and $4,500 for family coverage. The HRA will pay eligible expenses until you meet your deductible. Only your employer can contribute to this account and the funds cannot be transferred to any other account.
Ashland MMC will fund the HRA plan in the amount of $200 for single coverage and $400 for employee + 1 and $600 for family coverage. The HRA will pay eligible expenses until you meet your deductible. Only your employer can contribute to this account and the funds cannot be transferred to any other account.
As of 1/1/2018, the Health Reimbursement Account is set up to pay the employee directly – not the provider.
The exception to this rule is prescription copays, which the employee is reimbursed for by check or direct deposit. (Direct deposit can be set up online at the SelectAccount website.)

Dental Insurance: Memorial Medical Center

Dental Coverage is designed to provide protection to you and/or your family in the event that you require dental services during the year. Your plan is designed to encourage regular visits to your dentist, which is essential to maintaining oral health, and to provide coverage for basic diagnostic and preventive dental needs.

Flexible Spending Accounts

Flexible Benefit account is
designed to set aside a portion of your earnings, tax-free, for everyday expenses, such as dependent daycare expenses and/or out-of-pocket medical expenses. 

How to Maximize your FSA Account:
Review FSA-Eligible Expenses
VIDEO: HSA or FSA - which should you choose?
FSA Guidelines:
  • The maximum amounts you may pay into the FSA account are:
    • FSA Healthcare Account: $2600
    • FSA Dependent Care Account: $5000
    • The minimum for both of these accounts is $260.
  • You may participate in the plan even if you are not enrolled in your employer's medical/dental insurance.
  • You may set aside pre-tax dollars to pay for your own qualifying expenses, as well as for your spouse and eligible dependents.
  • If you do not use up all of your Flex Benefit funds by the end of the year, the money will be forfeited.

Health Savings Account

If you enroll in a qualified high deductible health plan, you are eligible open an HSA account, a tax-free medical expense account. Both you and your employer can contribute to your HSA, and unlike the HRA, your unused funds will accumulate and roll over to the following year. 

VIDEO: HSA or FSA - which should you choose?
Four Reasons to open an HSA:
How does a High Deductible Medical Plan work?
HSA FAQs:
How to Maximize your HSA
IMPORTANT: If you have FSA Health Reimbursement account, your balance must be exhausted prior to establishing or contributing to a HSA. 
This means you should allow enough time for your last FSA reimbursements to be processed and the account to reflect $0 balance prior to the HSA January 1, 2018 effective date.

New for 2018: Voluntary Benefits through Unum

Memorial Medical Center and HAMH/WE are pleased to announce that we will be offering Voluntary Worksite Benefits through Unum effective January 1, 2018. These programs provide low cost protections to support the financial wellbeing of our employees and their family members.
These low cost policies complement your health insurance and Health Savings Account (HSA). The covered benefit is paid directly to you, not to a care provider or hospital, therefore, it enables employees to use these benefits to offset their medical expenses those with an HSA can continue to maximize your HSA tax deferred savings. The policies also include an important Wellness benefit!

Read on for more information about Accident, Critical Illness, Hospital Indemnity and Whole Life Insurance Coverage

Accident Insurance

Accident insurance helps pay for covered accidents while you're on the road to recovery

Unum’s coverage provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need.

 

Examples of covered injuries include:
  • broken bones

  • burns

  • torn ligaments

  • cuts repaired by stitches

  • And more!

Learn More about Accident Insurance
 

Critical Illness Insurance

Could your bank account survive a serious illness? Get protected with group Critical Illness Insurance from Unum

Critical illness insurance can pay a lump sum benefit at the diagnosis of a covered illness.  You choose the level of coverage and you can use the money any way you see fit.

Covered Conditions Include: 
  • Cancer

  • Heart Attack

  • Kidney Failure

  • Stroke

  • and more

Learn More about Critical Illness Insurance
 

Hospital Indemnity Insurance

Would a trip to the hospital leave your finances in serious condition? Hospital Indemnity Insurance from Unum can help.

Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay.  It can also provide funds that can be used to help pay the out-of-pocket expenses your medical plan may not cover, such as con-insurance, co-pays and deductibles.

Learn More about Hospital Indemnity Insurance
 

Whole Life Insurance with Long Term Care Rider

Whole life insurance can provide benefits to your loved ones if you die prematurely − and it provides coverage into your retirement years. 

Whole Life Insurance can pay money to your loved ones when you pass away, but it offers additional value as well.  This plan features a living benefit that will pay out if you are diagnosed with a terminal illness. 

 

Whole Life Insurance premiums won’t increase with age and your policy can build cash value over time.  You can use this cash value later in life to buy a smaller “paid-up” policy with no more premiums due!

Learn More about Whole Life Insurance