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 - 2017
See 2017 Employee Coverage and 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.
Earn a Wellness Credit for 2017
Employees and spouses who are actively enrolled in the BJC Medical Plan on January 1, 2017, can each earn a wellness credit of $175 on the employee’s first paycheck in December 2017, by completing the following two steps:
- Complete the Cigna Health Risk Assessment (HRA) via the Cigna website, which includes entering your health screening results between January 1, 2017 and June 30, 2017. See HRA instructions.
- In addition to completing the Cigna HRA, complete one of the following wellness options between July 1, 2016 and June 30, 2017:
- A preventive care exam: colonoscopy, mammogram, prostate, gynecological or pap
- A preventive annual physical (blood draw not required)
- A preventive vision exam through the BJC Medical Plan or VSP Vision Plan
- Two preventive dental oral exams through the BJC Dental Plan
- The Quit For Life® tobacco-cessation program. Requires five (5) weekly calls with your Quit Coach for completion. To get started, call toll-free 866.784.8454 or go to Quit For Life website. Enroll by May 1, 2017.
- The Omada (previously called Prevent) pre-diabetic, health-management program for qualified individuals. To apply, go to the Omada website. Requires 16 weekly lessons for completion. Enroll by February 1, 2017
- The Weight Talk health-management program for qualified individuals. To apply, go to the Weight Talk website or call toll-free 844.660.8738. Requires 11 coaching calls for completion. Enroll by December 31, 2016.
If it is unreasonably difficult or medically inadvisable due to a medical condition for you and/or your eligible spouse to fulfill any of the available wellness options, call the Employee Service Center 314.362.2184 or toll-free 855.362.2184 and BJC will make available a reasonable alternative standard for you.
No documentation is required to prove that you completed any of the above options. BJC will obtain complete reports from BJC benefit administrators (Cigna, Delta Dental, VSP).
BONUS: Employees can earn an additional $25 credit by completing by June 30, 2017, an at-work health screening at the Boone Hospital WELLAWARE health fair or a BJC Community Health Department health fair. Spouses are not eligible. The bonus cannot be earned unless steps 1 and 2 of the Wellness Credit are completed as outlined above. The at-work health screening needs to include height, weight, waist circumference, blood pressure and a finger-prick blood draw to test for cholesterol and blood glucose.
See infographic on how to earn a wellness credit in 2017.
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 2017 a “Tobacco User Contribution” of $25.00 per person, per pay period, in addition to the contribution you will pay toward your 2017 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, 2016 and March 31, 2017.
Because completion of the program requires at five weekly calls with your Quit Coach, it’s important that you enroll by February 1, 2017, in order to meet the March 31, 2017, 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 2017 only applies to employees who are actively enrolled in the BJC Medical Plan on January 1, 2017.
How bad is smoking and what can you do about it?