Andwell Health Partners is pleased to offer Health Insurance Coverage through an Individual Coverage Health Reimbursement Arrangement (ICHRA). An ICHRA is a new and innovative way for Andwell Health Partners to offer health insurance to our employees and their eligible dependents. Annually, Andwell Health Partners sets the amounts we will reimburse employees (based on employment status, age, and geographic location) for individual coverage purchased by our employees. We have partnered with SureCo to administer the ICHRA plan.

A health savings account (HSA) is a medical, pre-tax benefit savings account that can be used with qualified high deductible health plans (HDHP). To have an HSA, you must be enrolled in an HSA compatible plan (please be sure to confirm this with SureCo and you must not be covered by Medicare (or any other Non-QHDHP).

Andwell Health Partners allows employees to set up an HSA account at the financial institution of your choice.

• Group Dynamic, Inc
• All regular employees who work at least 20 hrs/week are eligible following 30 days of employment on the 1st of the following month.
• Tax-free funding for Medical and Dependent Care through payroll deductions
• Reimbursed weekly with paid receipts; any funds not used in the plan year is lost.

• Dental healthcare is provided by Ameritas
• Regular part-time and full-time staff are eligible on the 1^stof the month following 30 days of employment.
• Diagnostic and Preventive – no deductible
• Fillings, routine extractions, root canal, periodontal – pays 80%
• Dentures, bridges, crowns, on lays – pays 50%
• Calendar year maximum – $1000 per person
• Orthodontics – pays 50% up to a Lifetime Maximum per person of $1,000.
• Fusion eye wear benefit-up to $100 of your $1,000 maximum each year can be used toward eye care expenses such as glasses and contacts. 

• Vision insurance provided by VSP Vision Care
• Regular part-time and full-time staff are eligible on the 1^stof the month following 30 days of employment.
• Exam, frames, lens and contact lens allowance

Basic Life Insurance + Accidental Death and Dismemberment 

• Life insurance provided by The Hartford
• Regular part-time and full-time status employees who work at least 20 hrs/week are eligible; effective on date of hire
• Individual policy worth two (2) times employee’s annual salary
• Premium paid by Andwell Health Partners 

Voluntary Term Life Insurance + Accidental Death and Dismemberment

• Life insurance provided by The Hartford
• All regular status employees who work at least 20 hrs/week are eligible.
• Available to employees, their spouses, and children
• Low-cost term life insurance from $10,000-$500,000
• Premiums are payroll deducted

Short-Term Disability Insurance

• STD Wage Protection through The Hartford 
• All regular status employees who work at least 20 hrs/week in a benefit eligible status are eligible upon hire
• 60% of basic weekly earnings are paid for non-work-related illness or injury
• 14 calendar day waiting period after disability begins before benefits start
• Maximum benefit period of 11 weeks
• Premium paid by Andwell Health Partners 

Voluntary Long-Term Disability Insurance

• Disability insurance provided by The Hartford 
• All regular status employees who work at least 20 hrs/week
• Benefits begin after 90 days of disability
• Monthly benefit equal to 60% of basic weekly earning
• Premiums payroll deducted.

Long-Term Disability Income Insurance

• Disability insurance provided by The Hartford
• Exempt management employees who work at least 20 hrs/week
• 60% of basic monthly earnings are paid for any non-work related disability
• 90-day waiting period after disability begins before benefits start
• Maximum benefit period is based on age at disability
• Premium paid by Andwell Health Partners

• Benefit provided by The Hartford 
• All regular status employees who work at least 20 hrs/week
• Benefits available for Accidents, Critical Illness and Hospital.
• Pre-Tax Payroll deductions

• Provided by The Principal Financial Group
• New employees are automatically enrolled at 4% contribution upon hire; option to opt out is available
• Employer Match Contribution: Once staff have worked for Andwell Health Partners for 1 year and have satisfied 1000 hours of service in that year, employee will receive a match of 50% of the individual’s deferred contribution up to a max of 2%
• Non-Elective Discretionary Contribution: Andwell contributes the equivalent of 2% of an eligible individual’s gross compensation; eligibility is 1 year of service, 1000 hours and actively employed on the last day of the calendar year
• 20% vested in the plan after 2 years of service, 100% vested after 6 years of service
• Maximum contribution limits are set annually by the IRS

• Provided by MEMIC
• All employees are covered for work related injuries by our insurance company
• Employees must turn an Incident Report into Human Resources immediately after an injury has occurred
• Medical bills are paid and 80% of average net income will be paid for any days beyond seven that are missed from work

Sometimes work and life can become too much to handle on our own. Andwell Health Partners provides an EAP as a resource to help and is as close as your phone or computer.  EAP is designed to support our staff so they can lead a happier and more productive life at home and at work.  The Hartford has licensed Professional Counselors available 24/7 that provides counseling for legal, financial, medical and emotional issues.  As well as, travel assistance, identity theft protection and assistance, funeral planning, and estate planning.

Andwell Health Partners is about living! Our tagline is “for Health. for Life.” Providing care at end-of-life is important for our patients and their families. We know that our staff may also experience the need to be with, and care for, a family member. Our End-of-Life Care Leave provides time for our staff to be with their loved one during end-of-life moments.

• All regular part-time and full-time employees are eligible to request End-of-Life Care Leave of up to 12 weeks.
• After Earned Benefit Time is used with two weeks of the balance remaining, Andwell Health Partners will continue to pay the individual at 66 2/3% of their regular weekly gross pay, in the form of end-of-life benefit time.

Andwell Health Partners understands that the death of a loved one is often unexpected, and taking time to grieve is important for the health and well-being of the individual employee. 3 days pro-rated based on regular status hours may be paid upon the death of an immediate family member. 1 day pro-rated based on regular status hours may be paid upon the death of a loved one that falls outside the immediate family. 

Higher education is necessary for some disciplines and a goal for others. In either case, the cost of education can be daunting. Andwell understands this and has set up funds to assist and support our staff in their educational pursuits.

• All status staff, following six months of employment, are eligible to apply for tuition reimbursement (requests from per diem employees will be approved on a case-by-case basis)
• Reimbursement dollars are based on University of Maine tuition at the time of registration; receipt and a passing grade report of “C” or better
• Reimbursement to $4,585.00/year for Associate or Bachelor Degree Programs or $5,250.00/year for Graduate Degree Programs
• Books will be reimbursed up to $150 per course with receipt

Patient facing employees who have completed 6 months of service with Andwell and are in good standing are eligible for loan forgiveness up to $9,000.00 (paid at $3,000 per year for three years) 

At Andwell, continuing education is important for our staff and clinicians to stay up to date with training, techniques, and general information. We support payment for job related educational workshops based on status and paid time to attend.

Ensuring that our leaders have the tools, resources and knowledge they need to be successful is vital to the success of our teams. Andwell meets this priority in the following ways:

• All-staff orientation and preceptor for clinical staff
• Dedicated clinical staff educators
• Online Learning Modules for general and role specific education
• Monthly Management Day
• New Leader Mentoring
• Emerging Leaders program

A safe and reliable vehicle is vitally important to our clinicians in order to travel to visit and take care of our patients.  We know that “life happens” and repairs can be necessary, however, the funds might not be available. To meet this unexpected expense Andwell allows for an emergency car repair loan.

• All staff are eligible with an agreement to work at least 20 hours per week for the entire duration of the loan
• Loans may be granted for emergency automobile repairs and car rental while repairs are being done when there is no other means to get to work
• Loans will not be granted to reduce a financial hardship caused by large or recurring but predictable bills, (e.g., auto insurance, automobile registration)
• The maximum loan granted will not exceed $1000.00
• Minimum repayment amount will be $35.00 per pay check through payroll deduction

The work we do is hard, and very rewarding. Our lives are busy. Taking time away to rest, relax and just breath is very important. Taking time away to care for yourself or a loved one, is also important. Andwell has you covered. We have options to support you and your family so that you are able to step away from your work and return to us when you are ready and able.

• Earned Benefit Time
• Six paid holidays
• Flexible Scheduling
• Leave of Absence for you or to care for a family member
• End-of-Life Benefit
• Short-Term Disability
• Long-Term Disability