Summary of Residents' Benefits
Health Care Plans
UMMC offers three health plan
choices and the flexibility to waive coverage if you have insurance
elsewhere. All of the plans are contributory for all levels of
University Network Quality Care is a triple option plan that allows
you to self-refer to any provider. The provider you select determines
your level of coverage. Option 1 is made up of related physicians and
facilities of the University of Maryland Medical System and provides the highest
Kaiser Permanente is a managed care plan. For many services,
the level of coverage is 100% after a small copayment. In a managed
care plan, you must use the services, physicians, and sites as directed by
Maryland Point of Service is a managed care plan with an opt-out feature.
You receive the highest benefit level when your primary care physician coordinates
your care. You also have the freedom to self-refer to any provider you
choose, but your out-of-pocket expenses will be higher.
Prescription Drug and Vision Benefits
All of the plans
offer vision and prescription benefits.
Waiver of Coverage
We offer a health
plan rebate program for full-time employees who have medical care benefits
elsewhere and choose not to participate in one of the UMMC medical care
Dental Care Plan
The administrator of the dental
care plan is CareFirst BlueCross BlueShield (CareFirst). This
program offers you three levels of coverage depending on whether you
see a dentist who is a CareFirst Preferred Dental Network Provider,
a CareFirst Provider, or a non-participating provider. Benefits
are paid for a variety of services up to a $1,000 maximum per member
each plan year. For some services there is a plan year deductible
of $50 for individuals and $100 per family. The employee contributes
toward the cost of the plan.
Residents and Fellows are eligible
for full salary continuation for up to 29 days. Sick leave is
not accrued. If you are sick or injured and cannot work for more
than 29 calendar days, you must apply for short term disability.
UMMC provides you with disability
insurance coverage through Hartford Life. You will be approved
for benefits if you are determined to be disabled as defined by the
The Short Term Disability plan covers benefit-eligible residents
and fellows scheduled to work 20 or more hours per week. You are eligible
to receive 100% of your weekly base salary up until the 90th day
of disability and 60% thereafter. Benefits may continue for a maximum
of 180 days. Beyond 180 days, you may be eligible for long term disability.
The Long Term Disability plan covers residents and fellows who work
at least 32 hours or more per week. The benefit pays 60% of monthly
income after short term benefits and all paid leave have been exhausted.
The benefit integrates with Social Security and Worker's Compensation benefits.
UMMC provides a basic life insurance
benefit that is equal to 100% of your base salary, up to $50,000.
The carrier is Aetna Insurance Company and the cost of the insurance
is paid by UMMC.
Aetna offers supplemental term
life insurance to benefit-eligible employees. You may purchase
additional insurance for yourself, your spouse, and dependent children
at competitive, age-rated premiums. Payments are made through
the convenience of payroll deductions. The maximum benefit allowed
is five times your annual salary up to $500,000. You may convert
your basic or supplemental group life to an individual policy should
you leave UMMC.
UMMC 403(b) Plan
All employees who receive regular
paychecks from UMMC may participate in the Retirement Partnership Program
- 403(b) Plan. This voluntary program allows you to contribute
money for long-term savings on a tax deferred basis.
Automobile & Homeowners Insurance
You have the opportunity to purchase personal automobile, homeowner's, condominium,
and boat owner's insurance from METPAY and benefit from low, group premium rates.
If your application is approved, your premium is paid through the convenience
of payroll deduction.
Flexible Spending Accounts (FSAs)
UMMC offers a Health Care and
Dependent Care Flexible Spending Account Program. FSAs allow you
to convert taxable salary dollars into tax-free benefit dollars by paying
for eligible health and/or child care expenses with pre-tax dollars.
You may enroll during your first 31 days of employment. Afterward,
you can only enroll during the Open Enrollment period unless you have
a qualifying family status change.
Paid Leave Benefits
Residents and Fellows scheduled
to work 64 or more hours per bi-weekly pay period are entitled to 120
hours of vacation leave per contract year. Balances do not carry
forward into the next contract year, and there is no pay-out for unused
This benefit provides additional compensation to employees who contract HIV.
It pays a lump sum equal to twice an employee's annual base salary up to a maximum
benefit of $250,000. The benefit will be paid after the employee has been
diagnosed as being HIV positive within six months of an on-the-job injury of
exposure. The benefit is paid by UMMC.
Military Training Leave
If you are a member of the National
Guard or the Federal Military Reserve, you are permitted up to two weeks
of leave per year. If your military pay is less than your normal
wages, the Medical System will pay the difference. Other military
leave will be approved according to Federal Law.
You and your family may join the
State Employee Credit Union (SECU). A variety of checking, saving,
and loan privileges are available to members.
UMMC offers you the convenience
of having your bi-weekly pay directly deposited into your checking account
at any financial institution.
You are covered for medical expenses
and lost work time due to injury or illness that is job-related.
Also, your survivors are protected in case of your death due to a job-related
injury or illness.
Emploee Assistance Program
The Employee Assistance Program
(EAP) is a free, confidential counseling and referral service available
to all employees and their family members. The EAP is staffed
by trained mental health professionals, and all EAP services are provided
free of charge to employees. This program is separate from the
health plans provided by UMMC.
MTA Commuter Benefit Program
The MTA Commuter Benefit Program
allows employees to order and save money on their monthly MTA pass through
the convenience of a pre-tax, payroll deduction. MTA passes can
be used for unlimited travel on local buses, the Light Rail or the Metro
Carebridge Work-Life Sevices Plan
Carebridge is an innovative work-life
services program that provides professional consultation, referral and
information to help with a variety of personal and family needs.
Carebridge counselors can assist in the following areas:
- College planning
- Financial planning
- Stress management
- Adoption information
- Relocation concerns
- Continuing education
The pre-tax parking
benefit provides employees the opportunity to cut taxes and increase
take-home pay since the deducted amount is never taxed. All employees
who elect a parking deduction through the parking office are automatically
enrolled in the pre-tax parking benefit.
As an UMMC employee,
you are eligible for a discount in the hospital cafeteria when you display
your employee badge.
equally to the cost of this government plan. Social Security is
designed to provide you with retirement income, as well as benefits
in case of disability or death and Medicare benefits at age 65.
Under the Consolidated
Omnibus Budget Reconciliation Act of 1985 (COBRA), you have the right
to continue your medical and dental coverage in the event you leave
UMMC or your benefit eligible status changes. Under COBRA, you
pay the full cost of these plans plus an additional 2% administrative
Please note: This is a summary of the benefits
currently available. The Company reserves the right to modify, amend,
suspend or terminate any plan at any time, and for any reason.
This page was last updated: June 19, 2013