Medical Insurance
Non-Rural Residents
The Kirk Kerkorian School of Medicine at 51³Ô¹ÏºÚÁÏ offers non-rural residents the choice of an HMO plan through Health Plan of Nevada (HPN) and a PPO plan through Sierra Health & Life (SHL). Medical insurance is entirely company paid for both employees and eligible dependents. Following is a brief snapshot of your benefits when you receive care from an In-Network provider.
| Benefit | HPN Solutions HMO 5 In-Network Only |
SHL Solutions PPO 20/250/20% |
|---|---|---|
| Calendar Year Deductible | $0 Individual $0 Family |
$250 Individual $500 Family |
| Calendar Year Out-of-Pocket Maximum | $6,000 Individual $12,000 Family |
$3,000 Individual $6,000 Family |
| Preventive Care | No charge | No charge |
| Office Visits | $5 copay Primary; $10 copay Specialist |
$20 copay Primary; $35 copay Specialist |
| Diagnostic X-Ray & Lab | $10 copay X-ray; $5 copay Lab |
$30 copay X-ray; $10 copay Lab |
| Hospital Care | $300 copay per Admission; $100 copay Physician/Surgeon fees |
20% after deductible |
| Emergency Room & Urgent Care | $150 copay ER; $20 copay Urgent Care |
$100 copay+20% ER; $20 copay Urgent Care |
| Prescription Drugs (30-day retail supply) | $10 Tier 1 / $35 Tier 2 / $60 Tier 3 | $10 Tier 1 / $35 Tier 2 / $60 Tier 3 |
| Out-of-Network Benefits | None | Available – contact Human Resources |
Rural Residents
The Kirk Kerkorian School of Medicine at 51³Ô¹ÏºÚÁÏ offers rural residents the choice of an HMO or PPO plan through Hometown Health. Medical insurance is entirely company paid for both employees and eligible dependents. Following is a brief snapshot of your benefits when you receive care from an In-Network provider.
| Benefit | Hometown Health Plan HMO In-Network Only |
Hometown Health Plan PPO In-Network Providers |
|---|---|---|
| Calendar Year Deductible | $0 Individual $0 Family |
$250 Individual $750 Family |
| Calendar Year Out-of-Pocket Maximum | $6,000 Individual $12,000 Family |
$4,500 Individual $9,000 Family |
| Preventive Care | No charge | No charge |
| Office Visits | $10 copay Primary; $10 copay Specialist |
$15 copay Primary; $30 copay Specialist |
| Diagnostic X-Ray & Lab | $20 copay X-ray; $0 copay Lab |
$30 copay X-ray; $0 copay Lab |
| Hospital Care | No charge | No charge |
| Emergency Room & Urgent Care | $100 copay ER; $35 copay Urgent Care |
$100 copay ER; $35 copay Urgent Care |
| Prescription Drugs (30-day retail supply) | $5 Tier 1 / $15 Tier 2 / $30 or 40% Tier 3 | $5 Tier 1 / $15 Tier 2 / $30 or 40% Tier 3 |
| Out-of-Network Benefits | None | Available – contact Human Resources |
Dental Insurance
The Kirk Kerkorian School of Medicine offers dental coverage to eligible employees through Guardian Life. You may see any licensed dentist you wish but will have the highest level of coverage when you use an in-network provider. The dental plan offers a wide network of national providers and provides coverage for routine preventive visits, basic, major and orthodontic services. Dental insurance is 100% company paid for the employee only and available via affordable payroll deductions for your eligible dependents. Following are your benefits when you receive care from an In-Network provider.
| Benefit | Guardian Dental In-Network Providers |
|---|---|
| Calendar Year Deductible (Waived for Preventive Care) |
$25 Individual $75 Family |
| Calendar Year Benefit Maximum | $2,000 per insured |
| Preventive Care | 100% |
| Basic Care | 80% |
| Major Care | 50% |
| Orthodontia (Adult & Children) |
50% to $1,500 lifetime maximum |
*Please note that if you do not use in-network providers, your benefit percentage may be reduced and you may be subject to balance billing for any amounts over usual and customary.
Vision Insurance
The Kirk Kerkorian School of Medicine also provides you with the option to enroll in a vision plan through EyeMed Vision Care. The vision plan includes benefits for eye exams, glasses and contacts, as well as discounts for various lens enhancements. Vision insurance is 100% company paid for the employee only and available via affordable payroll contributions for your eligible dependents. Following are your benefits when you receive care from an In-Network provider.
| Benefit | EyeMed Vision In-Network Providers |
|
|---|---|---|
| Member Cost | Frequency | |
| Routine Vision Exam | $10 copay | Once every 12 months |
| Lenses | Standard - $20 copay Progressive - $85 copay |
Once every 12 months |
| Frames | $0 copay; $130 allowance – 20% off balance over $130 | Once every 12 months |
| Elective Contacts (in lieu of glasses) |
Up to $40 copay; $105 allowance – 15% off balance over $105 | Once every 12 months |
Life and Accidental Death and Dismemberment (AD&D) Insurance
The school of medicine provides all eligible employees with a company paid basic life and accidental death and dismemberment (AD&D) benefit through Guardian Life for the amount of $20,000. Additional coverage will need to be paid by the employee.
Voluntary Life and AD&D Insurance
Since every employee has different needs when it comes to life insurance, the school of medicine provides you with the opportunity to purchase additional life and accidental death and dismemberment (AD&D) insurance through Guardian Life. This plan is 100% employee paid via payroll deduction.
- Offered in varying amounts for employee, spouse, and children
- $150K guaranteed issue for newly eligible employees only
- Portable
Long-Term Disability Insurance
Eligible employees are covered with company paid long-term disability (LTD) through Guardian Life. LTD income protection insurance provides a benefit for long-term disabilities resulting from a covered injury or sickness. The LTD plan may pay 66 2/3% of your eligible pre-disability earnings to a maximum of $2,000 per month. Benefits begin at the end of a 90-day elimination period and continue while you are disabled up to the maximum benefit duration.
Voluntary Group Legal
As a 51³Ô¹ÏºÚÁÏ resident/fellow you qualify for certain legal benefits from the Legal Club of America. These include:
- Free and Discounted Legal Care
- Tax Preparation and Advice
- Financial Education and Credit Counseling
- Identity Theft Solutions
- Life Events Counseling
Your Benefit Resource Center (BRC)
The Benefit Resource Center (BRC) is designed to provide you with a responsive, consistent, hands-on approach to benefit inquiries. Benefit specialists are available to research and solve elevated claims, unresolved eligibility problems, and any other benefit issues with which you might need assistance. The benefit specialists are experienced professionals and their primary responsibility is to assist you.
The specialists in the Benefit Resource Center are available Monday through Friday, 8 a.m. to 5 p.m. PST via phone at 888-336-7463 or via email at BRCCA@usi.com. If you need assistance outside of regular business hours, please leave a message and one of the benefit specialists will promptly return your call or email message by the end of the following business day.
Your Mobile Benefits App
The MyBenefits2GO mobile app provides access to the Kirk Kerkorian School of Medicine insurance policy details, human resources’ contact information and more. The app is free and available for iPhone and Android platforms. In addition to providing access to benefit summaries and other important information, it also offers the ability to take photos of ID cards to store on the phone.
To download the free app, search for ‘M²âµþ±ð²Ô±ð´Ú¾±³Ù²õ2³Ò°¿â€™ in your app store. When prompted, enter the unique company code: U85854.