While most of the benefits will remain the same in 2021, there are a few changes and enhancements we want you to know about.
Enhanced Employer-Paid Basic Life and AD&D Insurance: Employer-paid Basic Life and Accidental Death and Dismemberment (AD&D) insurance is increasing for benefit-eligible Ensign Affiliate employees from $12,000 to $25,000. Service Center / Cornet / Topside / Executive Directors / Directors of Nursing will remain at 1X salary for employer-paid life and AD&D insurance.
New Voluntary Benefits: For 2021, we are enhancing our voluntary benefits by changing the carrier from Unum to The Hartford for critical illness, hospital indemnity, and accident insurance. The new plans through The Hartford offer better benefits and/or lower premium costs compared to Unum. Ensign Affiliate employees with current policies through Unum will be automatically enrolled in similar coverage through The Hartford. Ensign Affiliate employees may also have the option to keep their existing Unum policies on a direct bill basis. For more information, call Benefits Support at 888-659-3616.
Health Savings Account (HSA): If you enroll in the PPO 1500, EPO 2000, or PPO 5000, you can contribute to an HSA. The maximum pre-tax contribution to an HSA is increasing in 2021 to $3,600 for employee-only coverage and $7,200 for employee + dependents. If you are age 55 or older in 2021, you can contribute an additional $1,000.
Grand Rounds: Services provided through Grand Rounds for Ensign Affiliate employees enrolled in the EPO 500, PPO 1500, PPO 5000, Copay 5000, or EPO 2000 will be discontinued in 2021 due to low utilization and medical plan cost increases resulting from the COVID-19 pandemic.
Medical Plan Costs: Health care costs in the U.S. continue to rise which impacts the cost of our medical plans. On average, our medical plan costs will increase by 7.9% in 2021. Refer to the Open Enrollment Guide mailed to your home for 2021 contribution amounts or log in to Workday.
Dental and Vision Plan Costs: Dental costs will experience a small increase while vision costs will remain the same in 2021. Refer to the Open Enrollment Guide mailed to your home for 2021 contribution amounts or log in to Workday.