WellSpace Health formerly The Effort is pleased to offer a comprehensive benefits program to our employees including health, welfare, retirement and time-off options.
Employees scheduled to work 30 or more hours a week are eligible for our health and welfare benefits program and our Paid Time Off (PTO)/Paid Sick Leave (PSL) accrual benefit and paid holidays.
Health and Welfare benefits are effective the first of the month following 30 days of employment.
PTO starts accruing the first day of employment but cannot be used until after 90 days of employment. Holiday pay is applicable immediately.
Paid Sick Leave starts accruing the first day of employment. To qualify for PSL, an employee must work for the same employer for at least 30 days within a year in California and satisfy a 90-day employment period (similar to a probationary period) before taking any sick leave.
Retirement Plan Eligibility
All classes of employees over the age of 18 are eligible to participate in WellSpace Health’s 401(k) Profit Sharing Plan (full-time, part-time, temporary and on call) after completing three months of service.
Employee Assistance Plan Eligibility
WellSpace Health offers two Employee Assistance Plans for our employees to assist them during difficult times. All employees are eligible for both plans immediately. If you need assistance, please contact the Human Resources Department for further information.
|Employee Assistance Plan||X||X||X||X||X|
|Basic & Voluntary Life||X||X|
|Long Term Disability||X||X|
|Flexible Spending Accts||X||X|
|Paid Time Off (PTO)||X||X|
|Paid Sick Leave (PSL)||X||X||X||X||X|
WellSpace Health, Inc. provides you with the power to take charge of your own health. We have built our health plan with options and provide resources for overall support to help you make decisions. We offer two medical carriers, Kaiser and Blue Shield, with five plan choice. Below is a quick overview of each carrier’s plan options.
Blue Shield of California
Through Blue Shield of California, you have the choice between two HMO plans (Trio and Access+) and one PPO plan. Through the Blue Shield HMO Medical plans you select a doctor from Blue Shield’s network of participating primary care physicians (PCP). The benefits under the HMO plans are identical, only the network of providers varies. Under the Trio HMO, you have access to Mercy Medical Group, Hill Physicians Medical Group and Woodland Clinic Medical Group. Under the Access+ HMO, you have access to all of the previously named medical groups as well as Sutter Medical Group and UC Davis Medical Group. The PPO plan allows the greatest flexibility by allowing you to choose any provider. Benefit allowances differ depending on whether the care is provided by an in-network or out-of-network provider. You will save more money by choosing a provider that is within the network.
Through Kaiser Permanente, you have the choice of two HMO Medical plans (1500 or 3000). Benefits for each plan are different. To get started under either plan, simply select a doctor at a Kaiser facility near you. The doctor you choose must be a primary care physician (PCP) practicing in Internal Medicine, Family/General Medicine or Pediatric Medicine. Your PCP will refer you to see a specialist when needed. Most Kaiser locations offer multiple services under one roof. This means you may be able to see your PCP, get an X-ray, visit the lab and fill your prescription all in the same place.
Supplemental Medical – Solutions Plus Gap Plan
The Solutions Plus Gap plan (SIS) is designed to help reduce the cost of your out-of-pocket expenses under the Kaiser and Blue Shield group medical coverage. The Solutions Plus Gap provides payment for covered out-of-pocket expenses you may incur while you are either confined in a hospital or being treated as an out-patient for an injury or illness. The payment can be made to you or directly to the provider or facility for covered deductible and co-insurance costs as long as the medical plan carrier considers the service a covered benefit under your plan.
Lincoln Financial provides WellSpace Health’s dental insurance. Lincoln Financial is a well-recognized national insurance carrier offering a large national network of dental providers. We offer both a dental DHMO and a dental PPO Plan, allowing employees to choose the dental plan that works best for them.
With the DHMO plan, you must select a primary dentist from the list. You can enjoy negotiated discounts from the network dentists. You pay fixed copays for each covered service and there is no Annual Maximum limit. The DHMO also includes an orthodontia benefit for both children and adults. Keep in mind that Out-of-Network visits are not covered.
With the PPO plan, you can receive care from any provider. However, if services are obtained from Lincoln’s PPO dental network, members will experience a significant discount on services and fewer out-of-pocket expenses. The plan includes the following benefits while accessing In-Network services: No charge for Diagnostic and Preventive services with many Basic services covered at 80% and Major services at 50%. The PPO plan includes an orthodontia benefit for both children and adults with a lifetime maximum of $1,500. The plan’s calendar year maximum is $1,000 per insured person.
Vision Service plan provides WellSpace Health’s vision insurance. VSP is a premier vision provider with a nationwide network of more than 33,000 providers including independent eye doctors and retail chains. You will have the choice between two plans (B and C). Both plans allow you to obtain an exam, lenses or contacts every 12 months. Plan C allows you to obtain frames every 12 months and Plan B allows you to obtain frames every 24 months. There are some additional lens enhancements available under Plan C as well.
In addition, each plan offers a primary eye care benefit which allows members to seek care from their primary eye care physician versus their medical doctor for various ocular symptoms and conditions such as Pink Eye, Glaucoma or Cataracts. Each primary care visit is subject to a $20 copay.
Flexible Spending Accounts (FSA)
WellSpace Health offers tax-advantaged plans, through Benefit Resource, that allow you to save money when paying for certain out-of-pocket health and dependent care expenses. The FSAs work like a savings account. You make an annual election based on your estimated health care and/or your dependent care expenses. Each pay period, a pre-tax payroll deduction based on your annual election is deposited into your FSA account(s). Keep in mind that it is important to carefully estimate your upcoming expenses; unused balances at the end of the plan year will generally be forfeited.
Basic Life and AD&D Benefit
Lincoln Financial provides Basic Life & Accidental Death & Dismemberment (AD&D) coverage to all eligible employees. This is an employer-paid benefit. The coverage amount for the Basic Life is $50,000. In addition, the AD&D benefit is $50,000.
Voluntary Life / AD&D Benefit
Voluntary Life and Accidental Death & Dismemberment is also offered through Lincoln Financial. This program allows employees to purchase additional insurance at their own expense for themselves and their immediate family members at group rates. With this benefit, you can purchase up to $150,000 of additional coverage for yourself. If you purchase employee coverage, your spouse can be insured for up to $30,000. Children can also be covered up to $10,000 for all eligible children at one monthly cost.
Long Term Disability (LTD) Benefit
Lincoln Financial provides Long Term Disability coverage to all eligible employees. This is an employer-paid benefit. LTD insurance replaces a percentage of your income during extended periods of illness or injury that prevent you from performing your regular work. The benefits will coordinate with any other income benefits the insured employee receives. The benefit amount provided by the plan is up to 60% of monthly earnings to a maximum monthly benefit of $10,000
Legal Shield and Identity Theft Shield Voluntary Benefit
This program allows all employees to purchase legal and identity theft protection services for themselves and their family members. With these products you have access to professional legal counsel not only for traditional legal problems, but for everyday events. In addition, Identity Theft Shield provides regular monitoring of your credit report, plus access to professionals to assist you should you encounter identity theft involving your finances, driver’s license, Social Security number, medical benefits or cyber activity.
401(k) Profit Sharing Plan
Achieving financial security for your future is not just a matter of how much you earn, but more importantly, it’s a matter of how much you save. By saving regularly through WellSpace Health’s 401(k) Retirement Savings Plan, even if only a few dollars each payday, you can accumulate more money in a few years than you would think possible. You are able to make two kinds of Elective Deferrals including Pre-Tax Elective Deferrals or Roth After-Tax Elective Deferrals.
WellSpace Health, Inc. wants to help you meet your financial goals with this Plan and makes a matching contribution equal to 25% of your compensation deferral amounts up to legal limits imposed by the I.R.S. Matching contributions are posted to your account on a per pay period basis based on your current deferral percentage election in effect on each particular pay date.
Part-time, temporary and on call employees interested in enrolling in the 401(k) plan should contact the Human Resources Department to enroll in the plan after eligibility requirements have been met.
WellSpace Health observes the following ten holidays which are paid for eligible employees:
Paid Time Off
PTO is accrued and is intended to strike a balance between assisting employees with their time off needs and ensuring that WellSpace Health has the staff to operate effectively. PTO is designed to provide pay for employees to take time off due to vacation, personal business, and illness (either the employee’s or his/her immediate family members’). PTO is accrued on a per pay period basis. Any unused PTO will be paid upon termination at the employee’s usual rate of pay.
WellSpace Health offers four weeks of PTO for full-time employees (40 hours per week). Full-time employees working at least 30 hours per week receive .05 hours of PTO for each eligible hour worked. WellSpace Health’s PTO accrual rates increase over time as higher levels of seniority are met.
Paid Sick Leave
To qualify for Paid Sick Leave an employee must work for the same employer at least 30 days within a year. PSL starts accruing the first day of employment and can be used beginning on the 90th day. PSL is in addition to our existing PTO policy for all benefit-eligible employees. The max accrual amount of PSL is 48 hours. The accrual method for all employees is established at a rate of 1 hour of paid sick leave for every 30 hours worked. PSL is accrued on a per pay period basis. Any unused PSL will not be paid out upon termination of employment with the organization. For a more detailed description, contact Human Resources Department.
New Hire Enrollment Process
The Human Resources Department conducts semi-monthly new hire orientations in which benefit are explained. You will receive an email invitation from Human Resources inviting you to an all-day new hire orientation. It is important that you attend this meeting to learn about WellSpace Health and the benefits available to you and to complete your forms within the new hire enrollment period. Enrollments not received during the new hire enrollment period window, will be effective during the next Open Enrollment period which usually occurs in September of each year for an October 1st effective date.
Continuing Medical and Dental Education for Providers
WellSpace Health offers professional time off and continuing education allowance for full-time benefit eligible providers. For information about the policy, contact Human Resources Department.
Please contact the Human Resources Department, as follows:
Office: 916-469-4690, Option 3
The information is used to serve as a high level summary of WellSpace Health’s benefit offerings. Great care has been taken to ensure that this guide is accurate. However, oversights can occur or condensed summaries can be misinterpreted. If there is a difference between this overview and the official plan documents governing the plans, the plan documents will prevail. WellSpace Health reserves the right to amend or terminate the program in whole or in part at any time. This is not a complete detailed description, nor is it a contract of employment or a guarantee of benefits.
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