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:

• Physician and specialist office visits
• Hospitalization
• Emergency room care
• Urgent care
• Diagnostic tests and X-rays
• Prescription drugs
• Maternity needs
• Pediatric needs
• Routine physical exams
  

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

Summary of Benefits and Coverage - Explains PHN Employee Plan coverage levels and costs when accessing health services and filling prescriptions.
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Plan Document and Summary Plan Description - Provides information about PHN Employee Plan benefits, membership, covered and non-covered services, member rights and responsibilities and other important plan details.
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Peoples Health Fitness Facility Network - PHN Employee Plan members receive a complimentary membership at their choice of fitness facilities in the Peoples Health Fitness network, which are indicated in this listing.
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To select a fitness center and for more information, PHN Employee Plan members should contact Peoples Health Member Services toll-free at (800) 631-8443, ext. 2, option 7, Monday through Friday, from 8 a.m. to 5 p.m. TTY users should call 711.

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.

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.

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. This program is provided through Hildalgo Health Associates.

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.

Employees may elect supplemental term life insurance for themselves 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. This insurance is offered through Lincoln Financial Group.

Short-term disability insurance 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 employee’s weekly earnings, up to $750. This insurance is provided through Lincoln Financial Group.

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 66 and two-thirds percent of their monthly earnings, up to $6,000 per month. This insurance is provided through Lincoln Financial Group.

Long-term care insurance can help employees pay for some of the expenses associated with being unable to care for themselves as a result of an accident, disability or just getting older. When the need for long-term care arises, having the necessary insurance coverage can help employees receive care in their own home while also helping pay the incurred expenses. This policy is provided through Physicians Mutual Insurance Company.

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.

Colonial Life 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.

With the Peoples Health 401(k) plan through American Funds, 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.

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.