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Benefits

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Employee Benefit Rates

For 2023 most McLeod Health employees will see significantly lower benefit premiums on the medical plan and the majority of the voluntary benefits. The Core Plan base premiums will be reduced by 25% and the High Deductible Plan base premiums will be reduced to match the new Core Plan premiums. The Enhanced Plan premiums will have no change for 2023. There will be a slight increase of 2% to the dental premium. With the exception of dental, no other benefit premiums will increase.

Below are per‐pay‐period costs for the benefit coverages available through the McLeod Health benefit plans in 2023. Premium costs are deducted from your paycheck 24 times per year. To view the full 2023 paycheck schedule, refer to the 2023 pay schedule. The McLeod benefit plan year is Jan. 1, 2023 to Dec. 31, 2023.

Medical Premiums (Per Pay Period)

Coverage LevelCoreEnhancedHDHP
Full‐Time Premium (Budgeted 60+ hours per pay period)
Employee Only$64.22$121.17$64.22
Employee + Spouse $156.65$315.98$156.65
Employee + Child(ren)$102.08$193.27$102.08
Family$171.32$346.36$171.32
Part‐Time Premium (Budgeted 40‐59 hours per pay period)
Employee Only$197.27$351.68$197.27
Employee + Spouse$406.09$746.71$406.09
Employee + Child(ren)$293.92$524.87$293.92
Family$436.04$821.29$436.04

*The $60 per pay period spousal surcharge will remain in place for spouses that are eligible for coverage through another employer.

Voluntary Coverage

Voya Accident Insurance
Full & Part‐Time (Budgeted 40+ hours per pay period)
Employee Only$11.13
Employee + Spouse $19.57
Employee + Child(ren)$18.63
Family$27.07

Voya Critical Illness ($20,000 policy)
Full & Part‐Time (Budgeted 40+ hours per pay period)
Age 35 and under$11.00
Age 36-45$20.20
Age 46 and over$39.80

Voya Hospital Indemnity Insurance
Full & Part‐Time (Budgeted 40+ hours per pay period)
Employee Only$14.05
Employee + Spouse $30.50
Employee + Child(ren)$23.18
Family$39.63

Voya Short-Term Disability Insurance (New Hires)
Full & Part‐Time (Budgeted 40+ hours per pay period)
Age 35 and under$44.25
Age 36-45$31.25
Age 46 and over$44.75

Health Savings Account

Coverage LevelMcLeod ContributionMaximum Annual Contribution Employee + Employer
Full & Part‐Time (Budgeted 40+ hours per pay period)
Employee Only$250$2,850
Family*$500$7,750

*Family coverage tier includes Employee + Spouse and Employee + Child(ren) coverage tiers.
The McLeod contribution will be made after all requirements are met by the account holder.

Dental Premiums (Per Pay Period)

Coverage LevelBasicHigh
Full & Part‐Time (Budgeted 40+ hours per pay period)
Employee Only$10.91$20.98
Employee + Spouse$21.13$40.73
Employee + Child(ren)$23.11$44.56
Family$33.31$64.12

Vision Premiums (Per Pay Period)

Coverage LevelComprehensive
Full & Part‐Time (Budgeted 40+ hours per pay period)
Employee Only$4.23
Employee + Spouse$8.65
Employee + Child(ren)$9.37
Family$13.95

Dependent Life Premiums (Per Pay Period)

Coverage Level$10,000$20,000$30,000
Full & Part‐Time (Budgeted 40+ hours per pay period)
Spouse$0.58$1.53$2.48
Child/Children$0.37N/AN/A

You must elect coverage during annual enrollment if you would like to increase spousal dependent life insurance.

Health Care Flexible Spending Account

ContributionPer Pay PeriodAnnual
Full & Part‐Time (Budgeted 40+ hours per pay period)
Minimum Contribution$4.00$96.00
Maximum Contribution$114.58$2,750.00

Dependent Care Flexible Spending Account*

ContributionPer Pay PeriodAnnual
Full & Part‐Time (Budgeted 40+ hours per pay period)
Minimum Contribution$4.00$96.00
Maximum Contribution$208.33$5,000.00

*Day care expenses for child(ren) and/or adult(s).

ID Theft Premiums (Per Pay Period)

Coverage LevelPer Pay Period
Full & Part‐Time (Budgeted 40+ hours per pay period)
Employee Only$2.70
Family$5.25
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IMPORTANT NOTICE: This site serves as a summary of material modification to the Summary Plan Descriptions.

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