Premiums for Coverage
Vidant provides medical, dental and vision care benefits. To access these benefits, you pay a premium, deducted before taxes, bi-weekly from your pay.
The amount you pay is determined by a few factors:
- Whether you want to include just yourself, your entire family or some combination in between.
- For the medical plan you have three choices: The Medical Savings Plan (MSP), the Basic Plan and the Choice Plan. You can find more details about these plans under the “Medical” section. While the premiums for each of these plans varies, so do the benefits covered. You should consider both the premium amount and the amount of benefits coverage under each plan before making your selection.
- You are free to choose any other health care coverage you wish and decline any coverage you do not want. For instance, you can select medical coverage, but decline dental and vision. Or select dental, but no medical or vision. Any combination is acceptable.
- For medical benefits, there are different rates for full-time versus part-time team members. For dental and vision, the rates are the same.
The team member contributions for 2021 are shown in the following tables:
Full-Time Team Members—Bi-Weekly Deductions
| Coverage | Medical Savings Plan | Basic Medical | Choice Medical | Basic Dental | Choice Dental | Vision |
|---|---|---|---|---|---|---|
| Single | $33 | $38 | $50 | $9 | $17.50 | $2.71 |
| +Child(ren) 1 | $124 | $145 | $168 | $16.50 | $30.50 | $4.46 |
| +Spouse 1 | $194 | $227 | $254 | $19 | $35.50 | $4.07 |
| Family 1 | $213 | $249 | $278 | $27 | $50.50 | $6.80 |
Part-Time Team Members—Bi-Weekly Deductions
| Coverage | Medical Savings Plan | Basic Medical | Choice Medical | Basic Dental | Choice Dental | Vision |
|---|---|---|---|---|---|---|
| Single | $93 | $108 | $119 | $9 | $17.50 | $2.71 |
| +Child(ren) 1 | $211 | $247 | $269 | $16.50 | $30.50 | $4.46 |
| +Spouse 1 | $268 | $313 | $342 | $19 | $35.50 | $4.07 |
| Family 1 | $316 | $369 | $397 | $27 | $50.50 | $6.80 |
- Includes domestic partner and domestic partner children.
Other Premiums
Wellness Premium
Team members enrolled in the medical plan who do not complete a Health Risk Assessment (HRA) will pay an additional $25 per pay period. For 2021 benefits, the HRA consists of completing the Know Your Numbers Questionnaire when it is offered. Due to COVID-19, you do not need to complete a Wellscreen exam to avoid the extra premium. If you have questions about the wellness premium, contact Vidant Wellness at 252-847-5590 or [email protected].
Spousal/Domestic Partner Premium
If your spouse is covered under one of the medical plan options offered by Vidant, and they are eligible for medical coverage through his or her employer, you will pay an additional $50 premium per pay period. This extra premium is not necessary when:
- You and your spouse are both employed at Vidant Health.
- Your spouse has no group medical coverage available.
- Your spouse is enrolled for Medicare coverage.
- Your spouse is enrolled in TRICARE.
Tobacco Use Premium
If you or a covered family member use tobacco, there is an additional medical premium of $40 per pay period. Tobacco users include smoking, chewing, dipping and e-cigarettes. If you or a family member use tobacco and enroll in a tobacco cessation program, you may apply to have the additional premium waived. Contact Vidant Wellness at 252-847-5590 or [email protected] for more details.
