Employee Benefits

2017 PHN Employee Plan Searches

Knowing which healthcare providers are in the PHN Employee Plan provider and pharmacy network is just as important as understanding your plan benefits. Keep your costs low by using the physicians, hospitals, pharmacies and other healthcare providers in the network. Use the Search Providers and Search Pharmacies buttons to find the provider or pharmacy you need.

It’s also important to know what prescription drugs are covered by PHN Employee Plan. Use the Search Medications button to see what drugs the plan covers.

Individual health, well-being and the ability to plan for both unforeseen events and for the future are important to Peoples Health. That’s why we offer our employees a rich benefits package. Below you will find summaries of a few of the benefits we offer.

Medical Coverage (PHN Employee Plan) Overview

Peoples Health offers broad-scale medical coverage to ensure that you and your family have access to rich healthcare benefits. The PHN Employee Plan allows you to coordinate your healthcare within the network of Peoples Health providers as well as out of the network. You also may elect to provide coverage for your spouse/domestic partner and/or your children.

The PHN Employee Plan covers:

Medical coverage through the PHN Employee Plan also provides you and your covered dependents with free membership to Peoples Health participating fitness centers.

Medical Coverage (PHN Employee Plan) Benefits

2017 Summary of Benefits and Coverage – Explains PHN Employee Plan coverage levels and costs when accessing health services and filling prescriptions in 2017.
Download 2017 Summary of Benefits and Coverage PDF

2017 Plan Document and Summary Plan Description – Information about plan benefits, membership, covered and noncovered services, and other important plan details.
Download 2017 Plan Document and Summary Plan Description PDF

2017 Plan Document and Summary Plan Description Amendment – An explanation of changes to the 2017 Plan Document and Summary Plan Description Amendment effective June 1, 2017.
Download 2017 Plan Document and Summary Plan Description Amendment PDF

PHN Employee Plan members receive a complimentary membership at their choice of contracted fitness facilities. Click here to search for a fitness center. PHN Employee Plan members should call Gilsbar at 1-888-472-4352, option 2, Monday through Friday, from 7 a.m. to 7 p.m. TTY users should call 711.

Vision Coverage

VSP offers a convenient and affordable way to ensure the health of your eyes. This plan provides coverage for routine eye examinations, frames, lenses, contacts and laser vision surgery. You also may elect to provide coverage for your spouse/domestic partner and/or your children.

Dental Coverage

From routine cleanings to extensive procedures, MetLife provides comprehensive dental benefits. Employees are free to choose any licensed dentist anywhere in the United States; however, their benefit is maximized when they select a participating MetLife dentist. They may also elect to provide coverage for their spouse/domestic partner and/or their children.

Employee Assistance Program

An employee assistance program, or EAP, is a counseling service to help improve the personal and professional life for employees and their eligible dependents, who may be experiencing personal or work-related problems. These services are provided at no cost to the employee.

Life Insurance

Through Peoples Health, employees are automatically enrolled in term life insurance equal to one times their eligible earnings, rounded to the next highest $1,000, with a maximum of $200,000. This rate includes Accidental Death and Dismemberment coverage. This basic term life insurance is provided at no cost to employees through The Standard Group.

Life Insurance - Supplemental

Employees may elect supplemental term life insurance in $10,000 increments up to $120,000. They can also secure life insurance coverage for their spouse in multiples of $5,000 up to $60,000 and/or $10,000 for each dependent child. If supplemental life is elected and supplemental life insurance for a spouse, spousal coverage cannot exceed 50 percent of the amount of elected coverage. This insurance is provided through The Standard Group.

Short-Term Disability Insurance

Short-Term disability is a supplemental insurance policy that provides up to 11 weeks of income replacement in the event that an employee is unable to work due to a disability. It is equivalent to 60 percent of the first $1,250 of weekly insured pre-disability earnings, reduced by deductible income with a plan maximum weekly benefit up to $750 per week. This insurance is provided through The Standard Group.

Long-Term Disability Insurance

All full-time and part-time employees are automatically enrolled in the long-term disability plan. The long-term disability plan is provided at no cost to employees. For long-term disability, there is a 90-day waiting period before benefits are paid. Eligible employees will be paid 60 percent of the first $9,000 of monthly predisability earnings, reduced by deductible income (e.g. work earnings, workers’ compensation, state disability, etc.), up to $6,000 per month, in the event that the employee is unable to work due to a long-term disability. This insurance is provided through The Standard Group.

Health and Dependent Care Flexible Spending Accounts

Flexible spending accounts provide the opportunity to contribute money on a pre-tax basis that can be used to pay for medical and dependent care expenses. Flexible spending accounts are administered by CONEXIS.

Accident and Critical Illness Insurance Products

Allstate insurance products provide the financial assistance to help employees get back on their feet if they are faced with expensive medical treatments or economic hardship due to a loss of income. This coverage provides a direct, immediate cash benefit to be used as you see fit at a time when they need it the most. These products can be purchased for employees or for their dependents.

401(k) Plan

With the Peoples Health 401(k) plan through Merrill Lynch, Peoples Health works with employees to plan for a financially stable retirement. It’s never too early to start planning and there are certain incentives that come with saving, as well. When investing funds in a 401(k), an employee’s contribution is deducted from their paycheck before taxes are withheld, meaning that they save money on taxes because their taxable income is lower.

Once they have been an employee with Peoples Health for one year, the company will match their contribution dollar for dollar up to 5 percent of their bi-weekly salary.

Employees can enroll in the 401(k) plan beginning on the first of the month following their first 30 days of employment.

Download 401(k) Summary Plan Description PDF

Download Summary of Material Modifications to Summary Plan Description PDF
A companion piece to the Summary Plan Description

529 College Savings Plan

A 529 college savings plan is designed to encourage saving for future college costs. Employees pay no federal income taxes on their earnings while the account is invested and no federal income taxes when they withdraw money to pay for qualified higher education expenses such as tuition, room and board, mandatory fees, books and computers. Investing in a 529 plan is a great way to begin saving for a child’s future. Employees can also invest money into this plan to pay future education expenses for themselves, grandchildren or other family members. This savings plan is offered through Louisiana START Saving program. There is a 30-day waiting period to begin contributing to the 529 college savings plan.