Health care coverage at BJC is self-funded, meaning employees and BJC share the cost of medical and dental coverage. BJC pays about 75 percent of total coverage costs.
Employee Health Plan Contributions - 2018
See 2018 employee contributions for each of these benefits:
- Medical (includes prescription drugs)
- Basic Life and Accidental Death & Dismemberment (AD&D) Insurance
- Long-Term Disability Insurance
- Legal Services
- All contributions (bi-weekly payroll deductions) are pre-tax except those for Dependent Life, Long-Term Disability (for part-time employees and Residents) and Legal Services.
Working Spouse Contribution
During benefits enrollment, you will be asked to electronically sign an affidavit about whether your spouse has access to a group medical plan through his or her employer.
A BJC employee whose spouse is eligible for his/her employer’s group medical coverage, but chooses to cover his/her spouse under BJC’s Medical Plan, will pay an additional $50 per pay period toward the spouse’s medical coverage. This is called the “Working Spouse Contribution (WSC).”
The Working Spouse Contribution will not apply under certain conditions. See "WSC Exemptions."
Working spouses of Memorial employees are not eligible for BJC medical coverage if they have access to group medical coverage from their employer and, therefore, are not subject to the Working Spouse Contribution.
Tobacco User Contribution
During benefits enrollment, you will be asked to electronically sign an affidavit regarding your and your spouse’s use of tobacco. If you or your covered spouse attest to using tobacco, you will pay beginning in May 2018 a “Tobacco User Contribution” of $25.00 per person, per pay period, in addition to the contribution you will pay toward your 2018 BJC Medical Plan coverage (per pay period deduction) unless you and/or your spouse complete the Quit for Life® tobacco-cessation program between September 1, 2017 and March 31, 2018.
Because completion of the program requires at five weekly calls with your Quit Coach, it’s important that you enroll by February 1, 2018, in order to meet the March 31, 2018, deadline requirement. Call 866-QUIT-4-LIFE (toll-free 866.784.8454) or go to the Quit For Life website to get started. The program is free to BJC Medical Plan participants and their eligible dependents (18 and older).
The Tobacco-User Contribution for 2018 only applies to employees who are actively enrolled in the BJC Medical Plan on January 1, 2018.
How bad is smoking and what can you do about it? Take a look.