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Our health system has paid above the federally mandated minimum wage for many years and continues to take steps to adjust our organizational minimum wage amount to offer team members a socially just wage.

Each year we review the federal poverty guidelines and adjust the just wage amount accordingly.

A competitive compensation program is another way we deliver on our commitment to our team. All of our team members are paid a wage for the work that they perform. Your pay is determined in large part by job requirements, skills and knowledge that are used on the job along with what other external employers pay similar jobs. Our Human Resources team regularly reviews over 2,500 jobs across our health system as part of our external market analysis. This exercise helps to ensure our organization knows whether its wages are competitive compared to other employers in the market. Adjustments are then made periodically based on the system’s ability to financially afford them within the budget.

We use the following guiding principles for administering our compensation program:

• Offer market competitive pay practices
• Provide compensation that is fair, objective and non-discriminatory
• Use only valid, recognized salary survey data sources
• Comply with local, state and federal laws and regulations
• Be financially responsible and operate within FMOLHS budgetary guidelines

It is important to note that Social Security contributions stop when your earnings exceed the Social Security Wage Base (for 2023 that amount is $160,200) and Medicare contributions will apply to all of your earnings without a cap. If your annual earnings exceed $200,000 in a year, the contribution percentage increases to 2.35% on pay over that amount.

Social Security is the term used for the Old-Age, Survivors, and Disability Insurance (OASDI) program in the United States, run by the Social Security Administration (SSA). While best known for retirement benefits, it also provides disability income and survivor benefits. To learn more, click here.

Medicare is the federal health insurance program created to provide health coverage for Americans aged 65 and older. The Medicare program is comprised of four main parts and is administered by the Centers for Medicare and Medicaid Services (CMS).

• Medicare Part A – often referred to as “hospital insurance” – is devoted to inpatient care, covering the costs of inpatient hospital stays (of at least one night), skilled nursing facility stays (if they meet specific criteria), home health care and hospice care.
• Medicare Part B – often called “medical insurance” – covers outpatient expenses, including physician and nursing fees, as well as a range of services (such as x-rays, diagnostic tests, and renal dialysis) and some equipment.
• Medicare Advantage (Part C) – allows Medicare beneficiaries to receive Medicare-covered benefits through private health plans which may also include extra benefits such as prescription drug coverage. In exchange for the benefits, coverage may be limited to network of providers.
• Medicare Part D – prescription drug coverage – provides substantial price breaks on prescription drugs for those who enroll in Part D plans designed and administered by private health insurance companies.
• Medicare supplement (Medigap) – is supplemental coverage purchased by Medicare beneficiaries to fill the holes in Original Medicare.

To learn more about Medicare, click here.

All active full-time (0.8 to 1.0 FTE) and part-time (0.5 - 0.79 FTE) team members are eligible for benefits with FMOLHS.

Health coverage is one of the most important benefits for you and your family. Health benefits provide significant value through support for and protection against potentially large financial expenses, as well as covering preventive care. We are committed to the health and wellness of our team members by offering comprehensive health care plans. The health plan you choose will be in place until the new year, unless you have a qualifying family status change. Our health insurance plans are administered by Blue Cross Blue Shield.

There are three health plan options available to team members:

• The EPO Plan
• The PPO Plan
• HDHSA Plan

Each of these plans are designed to provide you with coverage options that best suit you and your family’s healthcare needs. To learn more about each plan, including premium pricing and coverage details, please reference the Team Member Guide to Benefits.

Network Navigation Resources – Finding an In-Network Provider:

• Network Guides - We understand the importance of finding a healthcare provider that best meets the needs of you and your family. Our Network Guides are available to help you navigate our FMOLHS customized network. Whether it be our narrow EPO network or our PPO Tier 1 or Tier 2 network, our Network Guides can help you find a provider, assist with scheduling an appointment with network Primary Care Physicians, and check availability of a specialty service within our network.
• Call (855) 875-6265 to access our Network Guides. You will then be prompted to select a Network Guide for either our Louisiana or Mississippi network. Our Network Guides are available in most locations 7 days a week, 24 hours a day.
• Customized Provider Directory - Current plan members can see the most current list of the customized FMOLHS EPO network or the PPO Tier 1 and Tier 2 network online by visiting myhealthtoolkitLa.com/links/fmolhs.
• NEW RESOURCE: BCBS Shopping for Care Search Tool - Blue Cross Blue Shield, our health insurance administrator, launched new upgrades to the Blue Cross Blue Shield (BCBS) Find a Provider Tool that will make finding a provider and estimating health costs easier for those enrolled in an FMOLHS Health Plan. The updated tool will allow you to not only find providers in your network but also shop for care and preview costs based on your plan, deductible and coinsurance information. For a guide on how to use the new tool, please click here. To start using the Shopping for Care Tool, click here. For a guide on how to use the Shopping for Care Search Tool, click here.
• Important Reminders:
• Before receiving care, team members should confirm the location of where services are received and that the location of the provider is in network, as providers may have multiple affiliations, not all of which may be in our network. The best way to ensure this is to make sure you are receiving care from the provider in the location that matches the address listed on the Shopping for Care Tool.
• The cost tool is based on claims data and because of this the actual provider group names or facility names may not appear. This is due to the way providers file claims after reading tests. For example:
• If you search for ABC Radiology Group, the name may not come up if there are not enough claims filed under the provider.
• If Dr. Brown works for ABC Radiology Group and you search for his name, it will likely show more results due to the way claims are filed.

Through a program called “Just Premium”, we offer team members who apply and qualify for financial assistance based on total household income the opportunity to reduce their health plan premiums. Based on the team members total household income (adjusted gross income) and the number of dependents you claim on your Federal Individual Income Tax Return, team members may be eligible to receive a higher subsidy to improve affordability and access to coverage. Details about the just premium application process are communicated each open enrollment period. To apply for Just Premium, download and complete the application and submit it to justpremium@fmolhs.org.

New Health Resource for those enrolled in a FMOLHS Health Plan: Meru Health provides mental health resources that provide you with access to several care options, including chat-based services, that are built to fit your schedule. Learn more at meruhealth.com.

We understand the importance of finding a healthcare provider that best meets the needs of you and your family. Our Network Guides are available to help you navigate our FMOLHS customized network. Whether it be our narrow EPO network or our PPO Tier 1 or Tier 2 network, our Network Guides can help you find a provider, assist with scheduling an appointment with network Primary Care Physicians, and check availability of specialty service in our network.

Network Navigation Resources:

• Call (855) 875-6265 to access our Network Guides. You will then be prompted to select a Network Guide for either our Louisiana or Mississippi network. Our Network Guides are available in most locations 7 days a week, 24 hours a day.
• Customized Provider Directory - Current plan members can see the most current list of the customized FMOLHS EPO network or the PPO Tier 1 and Tier 2 network online by visiting myhealthtoolkitLa.com/links/fmolhs or by calling Blue Cross Blue Shield Customer Service at (833) 468-3594.

You must submit dependent verification documents by the deadline for any newly enrolled and previously unverified dependents enrolled in the Health, Dental or Vision plans or their coverage will be terminated.

New Hires/Newly Eligible Enrollment and Dependent Verification Deadline: Complete your benefit enrollment and submit complete dependent verification documentation within 30 calendar days of your eligibility date. (e.g., New hire date: May 1, Document deadline: May 30).

Open Enrollment and Dependent Verification Deadline: Complete your benefit enrollment and submit complete dependent verification documentation by November 15. 

FMOLHS reserves the right to audit dependent verification documents at any time.

After enrollment is complete in your Oracle Self Service, download the required socuments to your 'To Do' list. For more information on Dependent Verification, please reference these frequently asked questions.

The prescription drug program we offer is administered through Express Scripts (ESI). Your cost is determined by the tier assigned to the prescription drug product. All prescription drug products on the prescription drugs list (Express Scripts National Preferred Formulary) are assigned as Generic, Preferred, Non-Preferred and Specialty. You may contact ESI for information on your benefit coverage and search for network pharmacies by logging on to www.express-scripts.com.

Medication Copay Savings and Personal Service Offered Through RxONE

RxONE is our FMOLHS-owned, in-house pharmacy, where you will receive reduced copays for prescriptions including mail order/90-day prescriptions and specialty medications. In addition to discounts, RxONE offers team members personal service through their in-store or curbside delivery options, faster fill times, immunizations and ease of access to our pharmacists. Take advantage of these cost savings and personalized service offers by selecting RxONE as your pharmacy of choice. Find a Location here.

We offer our team members the ability to set aside money through payroll deductions on a pre-tax basis to a Medical Care Flexible Spending Account (FSA). This account allows you to pay for out-of-pocket health care expenses, such as deductibles, copays, coinsurance, prescribed medications, dental expenses, vision expenses, Lasik and more. By paying for these expenses with pre-tax dollars, you reduce the amount of your taxable income and increase your take-home pay. Any dollars in an FSA account at the end of the calendar year must be used or you will forfeit those dollars.

For those team members enrolled in a Health Savings Account (HSA), a Limited use Flexible Spending Account (LUFSA) is available to use for reimbursement of eligible dental and vision expenses. If you enroll in the HSA account and also enroll in the Medical FSA, the Medical FSA automatically becomes a Limited use FSA.

You can set aside up to the IRS established limit each calendar year in payroll deductions.

For those team members enrolled in the High Deductible Health Savings Account medical plan and who meet certain other requirements for eligibility, we offer the ability to take charge of your health care spending with a Health Savings Account (HSA). Contributions made to an HSA are tax free and withdrawals for qualified medical expenses are tax free. Your HSA funds can be used for qualified expenses, including those of your spouse and/or taxable dependent(s), even if they are not covered by your plan. PayFlex is the administrator of the HSA and will issue a debit card which gives you direct access to your account balance which allows you to use the debit card to pay for qualifying medical expenses.

For those team members who enroll in the plan, there are two ways to fund your account. We will provide an annual employer contribution to your HSA account in the amount of $750 for employee only coverage or $1,500 for family coverage. In addition to the employer contribution, you can make your own contributions to your HSA account up to the IRS limit. For 2023, individual contributions are limited to $3,100 for employee only and $6,250 for family coverage.

Proper dental care plays an important role in your overall health. We offer dental plans that are designed to encourage preventive treatment, allowing team members to achieve oral health while striving to minimize dental costs. The dental plans are administered by Delta Dental.

The dental plans allow you to visit any licensed dentist, but by taking advantage of the nationwide PPO network you will maximize the value of the plan. You can search the Delta Dental PPO network for a dentist near you by visiting the Delta Dental Dentist Directory.

There are two options for Dental Coverage:

• The Basic Dental Option – This plan offers reduced semi-monthly premiums, has less coverage for major dental services and a reduced maximum limit. It does not include orthodontia coverage. For those of you with basic dental needs throughout the calendar year, this plan may be better.
• The Buy Up Dental Option – While this dental plan has higher semi-monthly premiums, it offers higher coverage for major dental services, includes orthodontia coverage, and has a higher annual maximum limit. This plan may be better suited for those with moderate to major dental service needs throughout the calendar year.

The health of your eyes is an indicator of overall health. Regular eye exams can detect diseases like glaucoma, diabetes, and loss of sight. Vision benefits allow for access to quality vision care. To ensure that you and your family will get the vision care you need, FMOLHS offers two comprehensive vision benefits plans provided by UNUM Vision. Network providers offer the lowest out-of-pocket costs. To find a network provider, log on to alwaysassist.com and select provider locator.

If you have questions about your vision benefits, please contact Unum at (866) 679-3054.

Basic Life and Accidental Death and Dismemberment (AD&D) is an essential part of your future financial security. We provide a basic life insurance benefit equal to 1.5 times your basic annual earnings up to a maximum of $50,000. This benefit is provided at no cost to you. If you are eligible (0.5 – 1.0 FTE) you are automatically enrolled in Basic Life insurance through Lincoln National Insurance Company.

We provide Short Term Disability insurance at no cost to benefit eligible team members (0.5 – 1.0 FTE). Short Term Disability insurance provides protection for a portion of your income if you become partially or totally disabled for a short period of time.

*Certain exclusions may apply. Please refer to TeamLink for full policy details.

We offer Long Term Disability (LTD) insurance to full-time benefit eligible team members (0.8 – 1.0 FTE) through Lincoln Financial Group. This coverage protects a portion of your income if you become partially or totally disabled for a long period of time. There are two types of coverage offered, Group Core LTD and Group Buy-Up LTD.

Payments last as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. Any other benefits you receive (such as Social Security, Workers’ Compensation, pension benefits, or benefits from any similar act or plan) will reduce your LTD benefit amount. Certain exclusions, as well as pre-existing condition limitations, may apply.

Critical Illness coverage is a benefit offered by Lincoln to benefit eligible team members as an affordable way to protect against unexpected serious illnesses. In those situations, the last thing you want to worry about is bills. With Critical Illness insurance, you can get a cash benefit even if you’re receiving benefits from other insurance and can use the cash for anything you want or need.

Eligible team members can enroll in Voluntary Accident Insurance and receive cash for accidental injuries and can decide the best way to spend it. As an employer offered benefit, you receive lower rates for coverage.

To assist with managing PTO accrual balances, team members may elect, during an annual sell back period, to “sell back” future PTO accruals. The combination of PTO accruals and PTO sell back accruals will not exceed 328 hours. Hours in excess of 328 will not be paid out.

Benefit eligible team members accrue paid time off immediately after their employment begins. This PTO plan combines vacation, individual sick days, and personal days into one account to give you maximum flexibility in scheduling time away from work.

Separate from the PTO program, FMOLHS grants eligible team members holiday benefit time for those holidays recognized by the health system. Because of organizational needs, not every team member will be able to take time off on the recognized holidays. Therefore, team members who are not afforded time off on recognized holidays are allowed to take an alternative holiday at a time approved by their leader and in accordance with the policy. The FMOLHS recognized holidays are: New Year’s, Good Friday, Independence Day, Labor Day, Thanksgiving, and Christmas. The amount of time off an eligible team member is afforded for holiday observance is determined according to their FTE status.

Bereavement Leave
In the event a benefit-eligible team member experiences the death of an immediate family member, they are granted bereavement leave for up to three days (or 24 hours). Bereavement leave is paid at the eligible team member’s current base rate of pay based on their designated FTE status.

Jury Duty
Any team member who has to take time off to serve on a local, state, or federal jury in response to a jury summons may be eligible for jury compensation from the health system. Jury service compensation will be paid to eligible team members only if the jury service occurs during a regularly scheduled work shift and will be paid at the regular base rate for those scheduled work shifts.

Process for Requesting a Leave of Absence
All requests for leaves of absence must be sent to the Leave Administration and your leader 30 days prior to your leave date. We know that emergencies arise and ask if your leave is emergent to notify your leader and the Leave Administration at least two days after to the start of your leave.

For more information on the types of leave, the process for requesting leave, and for FAQs, click here.

For the necessary forms and to apply for leave, click here.

Access Perks is our team member discount program. Our program allows you to save money and earn rewards just for being a team member of FMOLHS. All team members are automatically enrolled in the program at no cost and are eligible to receive discounts on purchases from over 350,000 local and national merchants across numerous categories.

While you can download the Access Perks App, you will first need to register your account on a desktop by going to fmolhs.accessperks.com. Your member ID number will be the first two letter of your first name and your employee ID number. After you create your account, you can download the app, log in using the email address and password you set up on your desktop, and start accessing your discounts.

For more information on how to create an account, click here (Link as a Total Rewards link to Access Perks Instructions document).

Other Discounts Available to Team Members:

• 2022 Dell Exclusive Savings
• Dell Member Purchase Program – Discounts Available on Dell Products for Our Team
• Personal Office 365 Discounts ­ – Team Members receive 30% off personal subscriptions

Life can be tough. When your responsibilities start to feel overwhelming and showing up each day with a smile on your face seems difficult, it’s important to reach out for help. You can lean on your free and confidential EAP for support. As a free benefit from the health system, the EAP can help you or anyone in your household:

• Be more present and productive at work
• Receive support when you don’t feel like yourself
• Get help with responsibilities that are distracting or stressful
• Grow personal and career skills
• Be a caring, loving friend or family member
• Receive care after a traumatic event or diagnosis
• Make healthy lifestyle choices
• Improve and inspire daily life

The health system partners with New Directions to provide EAP services to team members and their families. Available services include:

• Counseling (in-person, telephonic, or text messaging), through Better Help
• Consultation for financial, legal or life needs as well as managing team members
• Crisis support
• Coaching
• Adult and childcare resources
• Personal and professional training
• Digital behavioral health tools
• MyStrength Screening Tool – a tool to help you find support to improve your emotional health. Through self-paced activities, health trackers, inspirations and more than 2,000 pieces of helpful content, this tool can help you reach your goals and maximize your overall well-being. Click here for more information on this tool and how to start using it.

You can download the New Directions EAP app, visit ndbh.com and log in using company code “FMOLHS” or call (800) 624-5544 to get assistance or access available resources.

Get Rewarded for Engaging in Your Health and Wellness
We have enhanced our wellness program to provide you with a more streamlined wellness experience and give you more opportunities to get rewarded for participating in health and well-being activities.

How It Works:
You will be able to earn points for engaging in health and wellness activities. Each point you earn is worth $1 with the chance to earn up to 550 points or $550 throughout the year!* Best of all, you can redeem your points every month.

We know the relationship you have with your Primary Care Provider (PCP) is important and they are an essential partner to help you navigate your health. In this expanded program, Healthy Lives will no longer conduct your annual wellness screening. Instead, you will visit your PCP for your annual wellness exam and lab work and complete your Health Risk Assessment (HRA) to redeem any of your earned points.*

You will still have access to the Healthy Lives Program to earn points for one-on-one coaching sessions and participating in wellness challenges.

To learn more about the 2023 Health and Wellness Program, use the resources available below:

• My Health and Well-being Program Guide
• My Health and Well-being Program FAQs
• My Health and Well-being Checklist
• 2023 Health and Well-being Flyer
• WATCH: Healthy Lives Portal Instructional
• WATCH: Awardco - How to Log In
• Healthy Lives Program
• Health Lives Health Coaching
• Tracking your Health
• Kinesics

Healthy Lives is our wellness partner that offers one-on-one health coaching to guide you on your health journey. Meeting with a Healthy Lives coach can earn you points toward your Physical Well-being rewards in the 2023 Health and Wellness Program to redeem each month.

Kinesics is a customized flexibility and mobility program that is 100% unique to your body. Their platform helps address your personalized needs by improving balance and mobility. Team members can schedule an appointment to have a full range of motion evaluation and a one-on-one results review with a Kinesics professional.

We understand the financial burdens of “pay day” and other high-interest loans and in an effort to support the financial health and well-being of our team members, we have partnered with PayActiv who is an alternative solution to the vicious high-interest loan cycle for team members. PayActiv is a financial solution that offers instant and timely access to earned but unpaid wages to help avoid costly loans and fees while saving for other expenses at the same time.

Through this program, team members are able to access up to 40% of the money they have earned but haven’t yet been paid between their bi-weekly paychecks. It’s not a loan so there is no interest, only a minimal administrative fee that caps off at $5 per pay period and is a great alternative to a “pay day” loan. There are also opportunities for financial counseling at no cost to team members and self-paced learning with trained financial coaches. Click here.