Teammates

For Atrium Health Navicent Teammates | Greater Charlotte teammates, visit this page.

Voluntary Benefits

Atrium Health Navicent 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 Navicent provides you with convenient access to cost-effective group rates on a wide range of Voluntary Benefits. Pair these Voluntary 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.

Your Atrium Health Navicent Benefits coverage details are now available in CORE Connect. In CORE Connect, start on the Me screen then click the Benefits tile.

Health & Well-Being Voluntary Benefits

Questions 

Income Protection Voluntary Benefits


Hospital Admission

  • Carrier: MetLife
  • Hospital Plan Summary
  • Eligibility: Teammates with 20 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
  Bi-Weekly Premium
Teammate Only $11.02
Teammate + Spouse $19.44
Teammate + Child $16.35
Teammate, Spouse + Children
$24.76


 

Accident

Provides a benefit for injuries and accident-related expenses.

  • Carrier: MetLife
  • Accident Plan Summary
  • Eligibility: Teammates with 20 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.

 
  Bi-Weekly Premium
Teammate Only $3.70
Teammate + Spouse $7.39
Teammate + Child $8.69
Teammate, Spouse + Children
$10.59


 

Critical Illness

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

  • Carrier: MetLife
  • Critical Illness Plan Summary 
  • Eligibility: Teammates with 20 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

Rates shown are for Teammate-Only Coverage

  $15,000 Coverage
  Bi-Weekly Premium
Teammate Age 25 $2.25
Teammate Age 35 $3.75
Teammate Age 45 $7.95
Teammate Age 55
$16.20
Teammate Age 70 $31.80

 

  $30,000 Coverage
  Bi-Weekly Premium
Teammate Age 25 $4.50
Teammate Age 35 $7.50
Teammate Age 45 $15.90
Teammate Age 55
$32.40
Teammate Age 70 $63.60

 


Basic Life Insurance

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

  • Eligibility: All teammates with 20 or more standard hours per pay week.
  • Benefit Details
    • Basic life insurance is equal to one times the teammate’s annual base salary, up to a maximum benefit of $200,000.00
    • Teammates with a minimum of 20 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 

Short-Term Disability

For teammates experiencing an unfortunate illness and/or injury that lasts beyond 7 days, Atrium Health Navicent provides short-term disability coverage which pays eligible teammates a benefit equal to 60% of their base weekly salary after satisfying an elimination period.

  • Carrier: The Hartford
  • Contact and How to File a Claim
  • Eligibility:
    • Full-time and part-time teammates with at least 20 standard hours per pay week
    • Teammates who have reached the first day of the month following 30 days of service in the benefits-eligible status 
  • Benefit Details:
    • Teammates may be eligible to receive payments equal to 60% of their base weekly salary up to $2,000 per week
    • Please see the full STD benefit on the Summary Plan Documents page for more details.   
    • Plan varies for Residents and Full-Time Physicians

Company Paid Long-Term Disability

For teammates experiencing an unfortunate illness and/or injury that has lasted beyond 180 days, Atrium Health Navicent provides company paid long-term disability coverage which pays eligible teammates a benefit equal to 50% of their base monthly salary up to $10,000 a month. 

  • Carrier: Cigna/New York Life 
  • Eligibility: 
    • Full-Time teammates with standard work hours of at least 30 hours per week 
    • Teammates who have reached the first day of the month following 30 days of service in the benefits-eligible status 
    • Teammates who have had at least 180 calendar days of continuous illness or injury that has prevented the teammate from working 
    • Plan coverage varies for Residents, Full-Time Physicians, and Executives 
  • Benefit Details:
    • Teammates may be eligible to receive payments equal to 50% of their base monthly salary up to $10,000 a month 
    • Benefits received are considered taxable income 
  • Enrollment: Eligible teammates are auto enrolled on the first day of the month following 30 days

Long-Term Disability Buy-Up

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

  • Carrier: Cigna/New York Life
  • Eligibility:
    • Full-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 service in the benefits-eligible status   
    • Teammates who have had at least 180 calendar days of continuous illness or injury that has prevented the teammate from working 
  • Benefit Details: 
    • Teammates may be eligible to receive payments equal to an additional 10% of their base salary 
    • Please see the full LTD benefit on the Summary Plan Documents page 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: Cigna/New York Life
  • Eligibility: Teammates with 20 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 portable; if you lose eligibility or employment ends

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


Dependent Life Insurance for Spouse and Children

Provides a benefit to you in the event of the death of your loved ones. 

  • Carrier: Cigna/New York Life
  • Eligibility: Teammates with 20 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:
    • Teammates can cover their spouse and eligible children up to age 26 (must meet requirements) 
    • Four flat rate plans are offered: $5,000 - $10,000 - $15,000 - $20,000  
    • Coverage is convertible/portable, if you lose eligibility or employment ends 
    • Coverage does not require Evidence of Insurability (proof of good health) 
    • Spouse and 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 20 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

Identity Theft

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

  • Carrier: Allstate Identity Protection, formerly referred to as InfoArmor.  Click here for more information
  • Eligibility: Teammates with 20 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
Teammate Only $3.67 
Teammate + Dependents $6.44


 

Legal Insurance

Provides comprehensive legal assistance to you and your eligible dependents.

  • Carrier: MetLaw -NEW FAQs and Overview for more information, or call 800.821.6400
  • Eligibility: Teammates with 20 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
  Bi-Weekly Premium
Teammate + Dependents $6.60