Our benefits strategy is driven by our mission to create a “Customer Second” experience. Because employees are the top priority, they provide better care. We are committed to ensuring that our employees have the tools, knowledge and information to deliver life changing service. This includes an employment environment in which employees and their families have the security of a benefit plan that provides support for critical health issues. 

Resources from the Cornerstone Benefits Team will be on-site the week of November 13-17th to provide benefits education in advance of open enrollment in December. Education will be provided on health plan offerings, voluntary and supplemental benefit offerings, and retirement plans.

More information will be provided during the week of November 13-17 when the Cornerstone Benefits Team is on-site to conduct benefits education.  

Copays, deductibles, and employee premiums will vary by plan offering and coverage tier.  Please refer to the UnitedHealthcare Summary documents for each plan.  Please refer to the Muir Home Health Rate Sheet for employee premium information.   

More information will be provided during the week of November 13-17 when the Cornerstone Benefits Team is on-site to conduct benefits education. 

Two dental plan options (a High Plan and a Low Plan) will be offered through UnitedHealthcare.   Please refer to the UnitedHealthcare Summary documents for each plan.  Please refer to the Muir Home Health Rate Sheet for employee premium information.   

More information will be provided during the week of November 13-17 when the Cornerstone Benefits Team is on-site to conduct benefits education. 

Vision benefits will be offered through UnitedHealthcare.  Please refer to the UnitedHealthcare Summary document for the vision plan.  Please refer to the Muir Home Health Rate Sheet for employee premium information.   

More information will be provided during the week of November 13-17 when the Cornerstone Benefits Team is on-site to conduct benefits education. 

Short-Term and Long-Term Disability coverages are available as voluntary benefit elections.  The short-term disability plan offers a 14-day elimination (waiting) period, 60% of weekly salary benefit (capped at $2,000 per week), with a maximum benefit period of 26 weeks.  The plan features a generous disability definition (you must have a 20% earnings loss and be limited from performing the material and substantial duties of your regular occupation in the national economy).  The plan does have a 3/12 Pre-Existing Limitation, meaning any condition that existed within the three months prior to the insured’s effective date will not be covered if disability begins during the first 12 months of coverage. 

The long-term disability plan offers a 180-day elimination (waiting) period, 60% of monthly salary benefit (capped at $10,000 per month).  This plan also has a 3/12 Pre-Existing Limitation provision. 

You are experiencing what we call an “overlapping open enrollment window.” You may need to make some decisions now (e.g., retirement elections, HSA (Health Savings Account) contributions, etc.) through your spouse/partner’s plan, but the Muir HH enrollment window allows you to make some changes, especially related to health benefits elections. More specifically: 

• Enrolling in Muir HH Benefits: Your Muir Home Health new hire enrollment period creates an eligibility window for you and your spouse/partner/dependents to enroll in coverage under Muir Home Health benefits even if you already have existing coverage.  
• Enrolling in your spouse/partner’s Benefits: If eligible under their plan documents, you may enroll during your spouse/partner’s open enrollment to ensure you have plan coverage for 1.1.2024 and then evaluate if switching to Muir HH offerings is best for you and your dependents. 
  • The Muir HH Enrollment period may result in a qualified event if you enroll in Muir HH benefits. 
  • If enrolling, this allows you to drop or disenroll other coverage for you or your spouse/partner/dependents. Your enrollment confirmation notice serves as documentation for dropping or changing other coverage.   
    • Enrolling in Muir HH benefits does not qualify you to enroll in a spouse/partner’s benefits if you were not already enrolled. 
    • If you are actively covered on another plan, make sure you consider the coverage end date compared to the new Muir HH coverage beginning date. 
  • If you are not enrolling in Muir HH benefits, loss of coverage from your prior employer can qualify as “loss of coverage” event allowing a special enrollment window under a spouse/partner’s plan. 

Open enrollment for calendar year 2024 will take place the week of December 11-15, 2023 for those employees who have received and accepted an offer of employment. 

Yes. Muir Home Health employees will be eligible to participate in the company’s pre-tax 401(k) Plan which includes a post-tax ROTH option, administered by Fidelity. Additional information, including information about employer match contributions, will be provided during the week of November 13-17 when the Cornerstone Benefits Team is on-site to conduct benefits education. 

The 401(K) Plan offers a company matching contribution on the first 2% of compensation that you contribute at a rate of $0.25 for each dollar you contribute.  You are vested in the company matching contribution at a rate of 25% per year of service, with 100% vesting after four years of service. 

Muir Home Health is not permitted to provide a 403(b) plan to its employees. Employees with 403(b) plans who receive an offer of employment will be eligible to roll-over 403(b) contributions to the Muir Home Health 401(k) Plan. Additional information will be provided during the week of November 13-17 when the Cornerstone Benefits Team is on-site to conduct benefits education. 

Please review the Fidelity Approved Rollover In Form to rollover money from an existing 403(b) or 401(K) plan. 

Additional information will be provided during the week of November 13-17 when the Cornerstone Benefits Team is on-site to conduct benefits education. Enrollment will be part of the benefits Open Enrollment during the week of December 11-15, 2023. 

You can enroll immediately for the 401(K) plan.  You will not be auto-enrolled in the plan. 

You will want to file for the California State Disability benefit and the Unum group short term disability benefit at the same time.  The Unum plan will offset the California State disability benefit from the group disability benefit.  If you are still on California State disability at the time LTD begins, and you have the Unum LTD benefit, the Unum LTD benefit will also offset the California State disability benefit.  Claims under the Unum STD/LTD plans will be reviewed from employee’s initial date of disability.

There is a visit limit of three (3) visits per issue, and this limit applies to in-person visits.  There is unlimited telephonic support. 

You will be able to view the rates (or cost of coverage) for supplemental life and supplemental AD&D coverages when you take part in the benefit enrollment experience from December 11th – December 15th.  In advance of the benefit enrollment period, you can review the 953700 VLADD Flyer for rates prior to enrollment.

24/7 Virtual Visits are $0 cost, and the Virtual Visit providers are Teledoc, Amwell, Dr on Demand, Optum Virtual Care, and Walmart Virtual.  If a member sees their PCP for a virtual or a telehealth visit, the copay would be PCP in-person copay.