Teammates

Additional Benefits

Atrium Health partners with you to take care of your physical, financial and personal health, including your unique individual and family needs. In addition to your core benefits (medical, dental, and vision), Atrium Health provides you with convenient access to cost-effective group rates on a wide range of Additional Benefits. Pair these Additional Benefits with your core benefits to supplement income in the case of an accident or emergency, protect you and your family’s financial future, and help balance the important areas of your life.

Health & Well-Being Additional Benefits

Income Protection Additional Benefits

Visit the Additional Benefits Portal

Enroll in Additional Benefits

New teammates, start here.

Teammates returning from a leave of absence or who have experienced a qualified life event are eligible to enroll for Additional Benefits within 31 days of event date.

Summary Plan Documents

Summary Plan Documents provide details about benefit coverage and plan exclusions. Find your Additional Benefits Summary Plan Documents here.

Hospital Admission

  • Carrier: MetLife - NEW
  • Hospital Plan Summary
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel their policy at any time
  • Policy Highlights:
    • No waiting period
    • No lifetime maximum
    • $1,500 one-time payment for hospitalization (once per year)
    • $100 each day an insured person is admitted to a hospital (but not an emergency room, outpatient stay or stay in an observation unit) as a result of a covered accident or sickness (maximum benefit of 31 days per calendar year)
    • $200 each day an insured person is admitted to an intensive care unit as the result of a covered accident or sickness (maximum benefit of 10 days per calendar year)
    • Insurance is portable. You can take the benefit with you if your eligibility or employment ends
  • Reduced Rates:
  Bi-Weekly Premium  Monthly Premium
Teammate Only $11.02
$23.88
Teammate + Spouse $19.44  $42.12
Teammate + Child $16.34  $35.41
Teammate, Spouse + Children
$24.76
 $53.65

 

Accident

Provides a benefit for injuries and accident-related expenses.

  • Carrier: MetLife - NEW
  • Accident Plan Summary
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel their policy at any time
  • Examples of Covered Injuries from Accidents:
    • Fractures
    • Concussions
    • Dislocations
    •  Burns
    • Paralysis
  • Policy Highlights:
    • No waiting period
    • Individual and family options available
    • Guaranteed Issue, no Evidence of Insurability is required to qualify for insurance
    • Insurance is portable, you can take the benefit with you if your eligibility or employment ends

Annual Wellness Benefit: You may receive a maximum of $50 for teammate and insured spouse screening during a routine preventive care appointment with your doctor. Covered health screening tests include: mammography, colonoscopy, PAP smear, chest X-ray, bone marrow testing, fasting blood glucose test and blood test for triglycerides.

New Reduced Rates:

  Bi-Weekly Premium  Monthly Premium
Teammate Only $3.70
$8.01
Teammate + Spouse $7.39  $16.01
Teammate + Child $8.69  $18.83
Teammate, Spouse + Children
$10.59
 $22.94

 

Critical Illness

Provides a lump sum directly to you if you are diagnosed with a covered illness.

  • Carrier: MetLife - NEW
  • Critical Illness Plan Summary 
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period, or due to a qualifying life event*
  • Cancellation: Teammates may cancel their policy at any time
  • Examples of Covered Illnesses:
    • COVID-19 
    • Heart attack
    • Severe stroke
    • Alzheimer’s disease
    • Blindness
    • Cancer
    • Major Organ Transplant
    • Coronary Artery Bypass Surgery
    • Occupational HIV/Hepatitis 
  • Policy Highlights:
    • No waiting period
    • No lifetime maximum
    • Benefits payable for each covered critical illness
    • Individual and family options available

Annual Wellness Benefit: This benefit can help pay the costs for a screening for early signs of disease and lead to earlier intervention. The annual benefit is $100 for completing an eligible health test and is available to each insured person. Some examples are biopsy, chest X-ray, stress test and fasting blood glucose test

*Critical Illness rates are based on age and elected amount

New Reduced Rates (rates shown are for Teammate Only Coverage):

  $15,000 Coverage
  Bi-Weekly Premium  Monthly Premium
Teammate Age 25 $2.28
$4.95
Teammate Age 35 $3.81  $8.25
Teammate Age 45 $8.03  $17.40
Teammate Age 55
$16.13
$34.95
Teammate Age 70 $31.85 $69.00
  $30,000 Coverage
  Bi-Weekly Premium  Monthly Premium
Teammate Age 25 $4.57
$9.90
Teammate Age 35 $7.62  $16.50
Teammate Age 45 $16.06  $34.80
Teammate Age 55
$32.26
$69.90
Teammate Age 70 $63.69 $138.00

 

Healthcare Power of Attorney and Living Will Educational Opportunity

Advance Directives tell your doctors and your loved ones what you want them to do if something happens to you and you are unable to speak for yourself. With this free educational opportunity you will:

  • Learn how Advance Directives, like Healthcare Power of Attorney or Living Will, can help you stay in control of your medical care
  • Have the opportunity to make an Advance Directive
  • Learn what to do with your completed Advance Directives
  • Classes are held monthly at a variety of Atrium Health facilities.

 

MedCenter Air-Global Guardian Air Ambulance

If you or an eligible dependent are hospitalized as an inpatient due to an illness or injury while traveling more than 150 miles from home, whether domestically or internationally, Global Guardian Air Ambulance will arrange and pay for air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

  • Plan Details: As an Atrium Health teammate, you are eligible to receive group discounts for personal lines of insurance.
  • Standard Plan: When traveling outside the U.S. or Canada, provided you don’t spend more than 90 consecutive days outside the U.S. or Canada per year. This plan allows for unlimited travel per year so long as no one trip exceeds 90 consecutive days-up to four 90-day trips per year. You are also allowed unlimited travel within the U.S. and Canada for the entire year.
  • Expatriate Plan: Our Expatriate (extended stay) Plans are similar to the Standard Plan, but allow for more than 90 consecutive days outside the U.S. or Canada. These plans are ideal for those who are traveling extensively or working in other countries for extended periods. Our Student Plan is tailored for students who study abroad for either 6 months or 1 year.
  • Annual Rates: Currently not available for payroll deduction
Tier Annual Rate
Individual $170
Family $240
Senior (over 75 years old) Individual $285
Senior (over 75 years old) Family $500

 

Credit Union

As an Atrium Health teammate, you are eligible to open an account at Charlotte Metro Credit Union and set up direct deposit to that account.

  • Provider: Charlotte Metro Credit Union
  • Eligibility: All teammates
  • Enrollment: Teammates may enroll in this benefit any time by visiting their local Charlotte Metro Credit Union
  • Cancellation: Teammates may cancel this benefit at any time by contacting Charlotte Metro Credit Union

 

 

Basic Life Insurance

Atrium Health provides, at no cost to the teammate, financial support equal to one and a half (1.5) times a teammate’s base salary to be paid to the teammate's designated beneficiary.

  • Eligibility: All teammates with 30 or more standard hours per pay week.
  • Benefit Details
    • Basic life insurance is equal to one and one-half (1.5) times the teammate’s annual base salary, up to a maximum benefit of $500,000.00
    • Teammates with a minimum of 16 standard hours per week may also purchase supplemental life insurance and/or accidental death and dismemberment coverage for themselves, a spouse or children
    • Please see the full Basic Life Insurance Policy on the Summary Plan Documents page for more details i.e. rounding, age reductions
    • Plan varies for monthly paid teammates

 

Short-Term Disability

For teammates experiencing an unfortunate illness and/or injury that lasts beyond 14 days, Atrium Health provides short-term disability coverage which pays eligible teammates a benefit equal to 60% of their base salary after satisfying an elimination period of 14 days.

  • Eligibility:
    •  Full-time and part-time teammates with at least 30 standard hours per pay week
    • Teammates who have reached the first day of the month following 90 days of employment
  • Benefit Details:
    • Teammates may be eligible to receive payments equal to 60% of their base salary up to $2,500 per week
    • Please see the full STD Policy on the Summary Plan Documents page for more details Medical residents do not have a waiting period
    • Plan varies for monthly-paid teammates

 

Long-Term Disability

For teammates experiencing an unfortunate illness and/or injury that has lasted beyond 180 days, Atrium Health provides long-term disability coverage which pays eligible teammates a benefit equal to 60% of their base salary up to $10,000 a month.

  • Eligibility:
    • Full-time and part-time teammates with standard work hours of at least 30 hours per pay week
    • Teammates who have reached the first day of the month following 90 days of employment
    • Teammates who have had at least 180 calendar days of continuous illness or injury that has prevented the teammate from working
    • Plan varies for monthly paid teammates
  • Benefit Details: 
    • Teammates may be eligible to receive payments equal to 60% of their base salary up to $10,000 month
    • Please see the full LTD Policy for more details
    • Benefits received are considered taxable income

 

Supplemental Life and Accidental Death and Dismemberment*

Provides additional benefit to you or your loved ones in the event of death or accidental death and dismemberment.

  • Carrier: MetLife
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to an applicable qualifying life event
  • Cancellation: Teammates can cancel during the annual Open Enrollment period or due to an applicable qualifying life event
  • Plan Highlights:
    • Rates vary based on coverage and age
    • Coverage is convertible; if you lose eligibility or employment ends

* Benefit can be increased annually by one increment without Evidence of Insurability.

Supplemental Life Coverage

Teammate
Teammates can elect up to five times their annual base salary up to a maximum of $1 Million
Newly eligible teammates have a guarantee issue of coverage and can increase their coverage by one increment each Open Enrollment period without completing Evidence of Insurability (EOI)
If teammates choose to increase their benefit by more than one time their annual salary, Evidence of Insurability will be required
Spouse
Teammates can elect coverage for their spouse up to $100,000 in increments of $10,000. Any election over $50,000 will require Evidence of Insurability
Newly eligible teammates have guarantee issue of spouse coverage of $50,000, and can increase or enroll by $10,000, up to $50,000, each annual enrollment period without completing evidence of insurability. If teammates who choose to enroll or increase their spouse benefit by more than $10,000, or if coverage exceeds $50,000, Evidence of Insurability will be required.
Children*
Teammates can elect coverage for their child(ren) up to $10,000 in increments of $2,000
Coverage available to unmarried children from birth to age 26

* Each eligible child is enrolled for the amount elected by the teammate and one premium covers all children.

Accidental Death & Dismemberment

Teammate
Teammates can elect up to five times their annual base salary up to a maximum of $1 Million
Teammates can enroll or increase their benefit by any amount during open enrollment or with a qualifying life event
Spouse
Teammates can elect coverage for their spouse up to $100,000 in increments of $10,000
Children*
Teammates can elect coverage for their child(ren) up to $10,000 in increments of $2,000
Coverage available to unmarried children from birth to age 26

* Each eligible child is enrolled for the amount elected by the teammate and one premium covers all children.

 

Universal Life Insurance

Provides individual life insurance policies that grant a lump sum payment to your beneficiaries upon your death or may help close the financial gap for you and your family due to a chronic or terminal illness.

  • Carrier: TransAmerica
  • Eligibility: Teammates with 16 or more standard hours per week.
  • Enrollment: Teammates may enroll when newly eligible or during the annual Open Enrollment period
  • Cancellation: Teammates may cancel their policy at any time
  • Policy Highlights:
    • Accumulates cash value
    • Guaranteed tax-deferred interest rate of 3%
    • Withdrawal or loan options
    • You may insure your eligible spouse and children
    • Coverage is portable, you can take the benefit with you if your eligibility or employment ends
  Benefit
Teammate (ages 16-80) $25,000-150,000, not to exceed 5x base salary
Spouse or equivalent by law (ages 16-65) $15,000
Children under Optional Child Term Rider (ages 15 days-25 years) $10,000

 

Short-Term Disability Buy-Up*

Teammates have the opportunity to shorten the waiting period for Short-Term Disability from 14 days to 7 days.

  • Carrier: MetLife
  • Eligibility: Teammates with 30 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel during Open Enrollment or due to a qualifying life event
  • Policy Highlights:
    • Provides a reduction of the normal waiting period from 14 days to 7 days
    • Coverage is 60% of base salary during the buy-up week
    • Teammates who enroll in the Buy-Up option when they are newly eligible will not have to complete Evidence of Insurability
    • Premiums are calculated on base salary

*Not available for monthly-paid teammates.

 

Voluntary Short-Term Disability

This benefit is offered to part-time teammates who are not eligible for Short-Term Disability provided by Atrium Health. Provides income replacement for injuries or illnesses that prevent you from working.

  • Carrier: MetLife
  • Eligibility: Part-time Teammates with 16 - 29 standard hours per week or physicians with 16 - 19 standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the Open Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel their plan during Open Enrollment or due to a qualifying life event
  • Plan Highlights:
    • Rates vary by age
    • Benefit level is 60% of your base salary
    • Maximum weekly benefit is $2,500
    • Benefits received are considered non-taxable income (Please see the full Voluntary Part-time STD policy for more details)

 

Dependent Back-up Care

Atrium Health provides Dependent Back-up Care benefit through LifeCare to connect you with reliable care providers for children and elder care when normal plans are disrupted. We highly recommend you register now, even if you are unsure if you will need to use such a benefit. All teammates with standard 16 or more standard hours, residents, and weekender positions are eligible for this benefit.  

Registration is FREE:

Provides care to a child or dependent adult when an emergency arises or when regular care plans are not available.

  • Carrier: LifeCare
  • Eligibility: Teammates (Full-time and Part-time) – excludes temporary and PRN teammates
  • Enrollment: Teammates may enroll in this benefit at any time
  • Cancellation: Teammates may cancel this plan at any time
  • Care Includes:
    • Center-based care
    • Caregiver vacations
    • Evening and weekend in-home care
    • School holidays or inclement weather
    • Business travel
    • In-home care after minor surgery weather emergencies
  • Plan Highlights:
    • Eligible teammates may use up to 15 visits, or calendar days, per year!

    • $25 in home use (per caregiver) co-pay

    • $25 per child in center co-pay

    • Discounted care expenses
    • Access to trained caregivers
    • Up to $60 per day reimbursement for the Friends and Family care model. Registration prior to scheduling care by a friend or family member is necessary to be eligible for the reimbursement
    • View Dependent Backup Care FAQs

Additional Information about LifeCare

* The IRS limits apply to a combination of Dependent Care Flexible Spending Account and Dependent Care Back Up. Usage in excess of IRS limits will be taxable

 

Identity Theft

Provides protection for members against identity fraud using comprehensive, advanced, proactive technology.

  • Carrier: InfoArmor
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll in this benefit at any time
  • Cancellation: Teammates may cancel this plan at any time
  • Services Include:
    • Identity monitoring
    • Digital identity protection
    • WalletArmor
    • Credit identity monitoring
    • Credit scores and reports
    • Social media reputation monitoring
  • Plan Highlights:
    • Coverage protects teammates and eligible dependents
    • Coverage is portable. You can take the benefit with you if your eligibility or employment ends
  Bi-Weekly Premium  Monthly Premium
Teammate + Spouse $3.67 $7.95

 

Legal Insurance

Provides comprehensive legal assistance to you and your eligible dependents.

  • Carrier: MetLaw - NEW
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible or during the annual Open Enrollment period
  • Cancellation: Teammates may cancel their plan at any time
  • Examples of Services Included:
    • Living Wills
    • Personal Bankruptcy
    • Debt Collection Defense
    • Irrevocable & Revocable Living Trusts
    • Power of Attorney
    • IRS Audit Protection/Collection Defense
    • Sale/Purchase of Home
    • Sale/Purchase of Secondary Residence
    • Refinancing Home
    • Divorce
    • Prenuptial Agreement
    • Adoption
    • Guardianship/Conservatorship
    • Name Change
    • Traffic Matters
    • Personal Document Preparation and Review
    • Criminal Misdemeanor Defense
  • Plan Highlights:
    • Individually credentialed attorney network
    • Legal Hotline
    • Coverage is portable; you can take the benefit with you if your eligibility or employment ends
  • New Reduced Rates
  Bi-Weekly Premium  Monthly Premium
Teammate + Dependents $6.60 $14.30

 

Teammate Emergency Care Fund

The Atrium Health Teammate Emergency Care Fund has been established to provide our teammates with financial assistance when they have suffered a hardship caused by catastrophic events beyond their control. The fund assists teammates in meeting basic needs when all other resources have been exhausted.

See the Caregiver Heroes and Teammate Emergency Care Fund page for more information.

 

Auto, Home, and Other Personal Insurances

As an Atrium Health teammate, you are eligible to receive group discounts for personal lines of insurance.

  • Carrier: MetLife
  • Eligibility: All teammates are eligible for discounts. Teammates with 16 or more standard hours per week qualify for payroll deduction
  • Enrollment: Teammates may request information and enroll in this benefit at any time. Rate quotes and enrollment confirmation provided by MetLife
  • Cancellation: Teammates may cancel their plan at any time by contacting MetLife
  • Plans Cover: Auto, Home, Boat, Motorcycle
  • Plan Highlights: Premiums paid through payroll deduction. Discounted rates available for Atrium Health teammates

 

Pet Insurance

Provides reimbursements for eligible veterinary expenses related to accidents, injuries and illnesses for dogs, cats, birds and exotic pets. Optional wellness benefit is available for routine preventive care.

  • Carrier: Nationwide
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll in this benefit at any time. Enrollment confirmation provided by Nationwide
  • Cancellation: Teammates may cancel their plan at any time
  • Plan Highlights:
    • 24/7 access to veterinary helpline
    • You can use your preferred veterinarian
    • Rates based on breed, species and age of the pet