Employee Benefits at Appalachian Regional Healthcare System
What stays the same for 2019?
- No premium increase
- No deductible increase
- No out-of-pocket maximum increase
- RelyMD: For only $50 you have access to board certified Emergency Room physicians to address unanticipated care needs. Download the RelyMD app today >
What is changing?
Critical Illness with Cancer (Unum) will offer more robust coverage with benefit options in $10,000, $20,000 and $30,000 increments. (Must be deemed cured of cancer if previously diagnosed). With the addition of cancer coverage to Critical Illness, we are ending current coverage with Allstate effective 12/31/2018. Employees that choose to keep their current Allstate Policy will have the convenience of payroll deductions for premium payment.
Accident Plan Design (Unum) will will offer reduced premiums with higher reimbursement rates for ER visit. Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job.
ARAG is our new carrier for legal services for Power of Attorney, Wills, Real Estate matters, Traffic Infractions and more. Two plans are offered: Base Plan (no divorce) and Enhanced Plan with Divorce and Identity Theft Coverage. Learn more and see schedule of covered services >
Supplemental Life Insurance (Aetna): Employees currently enrolled in the Supplemental life plan can increase 2 increments ($20,000) without EOI (Evidence of Insurability) as long as the new amount does not exceed the GI (Guaranteed Issue of $150,000) or 5 times your base salary. Employees that currently do not have Supplemental life coverage can elect 2 increments ($20,000) without EOI. If an employee was previously declined they are not eligible without EOI. For spouse coverage, those currently participating can increase 2 increments ($10,000) without EOI as long as the new amount doesn’t exceed the GI of $30,000 or 50% of employee coverage. Those not participating can elect 2 increments ($10,000) without EOI. If a spouse was declined in the past they are not eligible without EOI.
Child Life Benefit (Aetna) will increase from $5,000 to $10,000 for a premium rate of $0.23 each pay period.
Urgent Care Co-pay of $75 will remain the same for AppUrgent Care. Co-pays for all other urgent care facilities will increase to $125.
403(b) & Roth Combined Limits up to the 2019 established IRS amounts, which have not been released. Once released, the limits will be shown on the Retirement benefits page
I didn’t have my card and paid cash for my Rx, how do I get reimbursed? Typically the pharmacy will reprocess your claim within 7 days of filling, and will be able to reimburse you everything besides your copay/co-insurance. If the pharmacy is unable to reprocess the...read more
ARHS pays the cost of life and personal loss insurance for full-time employees equal to twice the employee’s annual base salary. In addition, in 2019 employees have the ability to increase their life insurance coverage with Aetna Supplemental Life Insurance. Employee...read more
This is your annual opportunity to revisit and refresh your benefits elections. During this time, you may add or drop coverage for eligible dependents and/or make changes to the following benefits elections: Medical Dental Vision Life Insurance – supplemental life...read more
A college education can be one of the biggest investments you’ll make in your lifetime—whether for your kids, your grandkids, or yourself. But no matter what your age or income, it’s possible to set back savings without breaking the bank. While your specific savings...read more
Form 5500 Filings with the Department of Labor
Each year ARHS is required to submit the Form 5500 on employee benefit plan’s annual information with the Department of Labor. The filing has been completed for the Plan year 2016. As part of the annual reporting requirements, ERISA, (Employee Retirement income Security Act of 1974), requires that ARHS provide plan participants with a copy of the Summary Annual Reports for our benefit plans. Download a copy of the reports below. To receive a paper copy of the Summary Annual Report please write or call the Human Resources Department of Appalachian Regional Healthcare System at 336 Deerfield Road PO Box 2600, Boone, NC 28607-2600, or by telephone at (828) 262-4116. These portions of the report are furnished without charge.
Open Enrollment starts in