Benefits Highlights

Overview

Once you have completed your GME orientation, you will be granted access to Cleveland Clinic's Benefits Portal. Available 24/7, the portal allows you to view your paycheck stubs, paycheck summary, W2 forms, health benefits, My Chart and more.

• View the current Benefit Program Summary for residents and fellows
• View the current Benefit Brochure, which includes a sample contract

Insurance

Medical Insurance

Cleveland Clinic provides two health plan options. Caregivers can choose to enroll in either EHP or EHP Plus. The plans are administered by Aetna, and the benefit coverage is the same for both plans. The difference between the two plans is the network of providers and your premium cost.

EHP – The EHP option includes the Cleveland Clinic Quality Alliance (QA) network and the Florida Clinically Integrated Network (CIN). These networks include Cleveland Clinic facilities and employed physicians as well as contracted facilities in Ohio and Florida. If you elect this plan, you must use providers from this provider network.

The EHP plan is supplemented with Aetna providers in the following specialties from the seven counties surrounding our Florida hospitals: Allergy, Behavioral Health, Chiropractic, Dermatology, Endocrinology, Nutritionist, OB-GYN/Obstetrics, Ophthalmology, Otolaryngology (ENT), Oral Surgery, Pain Management, Pediatrics and Podiatry. The seven counties include Brevard, Indian River, St. Lucie, Martin, Palm Beach, Broward and Miami-Dade.

EHP Plus – The EHP Plus option gives members access to the providers available in the EHP plan (above), plus Aetna’s Open Access Select network, which includes providers nationwide.

Providers not covered under EHP and EHP Plus: University Hospital Health System, Summa Health System, Aultman Hospital, and their affiliates are not in-network with either EHP or EHP Plus. However, in case of an emergency, services will be covered. For transfer from a non-CCHS facility, call the transport line at 866.721.9803.

For more information, please refer to the notification and transfer guidelines outlined in the health plan Summary Plan Description (SPD). Before choosing your plan, confirm that all your providers participate in that network. View/search each network on the Employee Health Plan website.

Dental Insurance

Four dental plan options administered by Cigna are available: 

Cigna Dental HMO (DHMO)

• Narrowest network – you can use only Cigna Dental Care Access Plus DHMO providers such as Aspen Dental, Hudec Dental and Bright Now. Cleveland Clinic and Mercy dental providers are not included in this plan.
• Includes coverage for routine cleanings/X-rays, restorative care and adult/child orthodontia

Preventive Dental Plan

• Includes coverage for routine cleanings/X-rays and minor restorative care such as fillings
• Does not cover major restorative care or orthodontia

Traditional Dental Plan

• Includes coverage for routine cleanings/X-rays, minor/major restorative care and child orthodontia (up to age 23)

Enhanced Dental Plan

• Includes coverage for routine cleanings/X-rays, minor/major restorative care and adult/child orthodontia
• Highest annual maximum benefit

Summary Plan Descriptions with complete details are available on the HR Portal. For a directory of Cigna providers, visit the Cigna website or call 800.244.6224. 

Vision Insurance

You may elect the EyeMed Vision Care Plan (Basic or Enhanced); the cost associated with the election will be deducted from each pay (payroll deduction). The Vision Plan provides you and your dependents with immediate savings on your prescription eyewear (eyeglasses and contact lenses). You have the flexibility to purchase eyewear from your provider of choice, but you will maximize your benefits by using providers who are a part of the EyeMed Vision Care Plan. Routine eye exams and contact lens fitting are not covered under this plan.

Disability Insurance

Cleveland Clinic provides disability coverage to trainees upon date of hire at no cost to the trainee. If a trainee is on an authorized medical leave of absence, medical leave benefits pay 100% of salary for up to 90 days. If a medical condition continues beyond 90 days, a trainee may be eligible to receive the long-term disability benefit, which provides 60% of salary up to a maximum benefit of $15,000 per month.

As a Cleveland Clinic trainee, you have the unique opportunity to supplement your group long-term disability plan with an individual disability policy. This opportunity is medically guaranteed and requires no health questions or medical exams. The Guaranteed Standard Issue (GSI) program allows you to apply for a monthly disability benefit of up to $7,500, depending on your years of training, with options to increase up to a maximum benefit of $15,000/month. This coverage protects you in your specialty with enhanced true own occupation contractual language and offers the option for student loan protection along with several additional benefits. This policy and the discounted rates are fully portable once you leave your Cleveland Clinic training program. You have the option to enroll in the GSI program any time during your training, or up to three months after. A trainee may not qualify for this individual GSI program if they have received a modified or declined offer of coverage more than 9 months after their date of hire.

For more information or questions, please contact:

Amy P. Dickenson
Dickenson & Associates LLC
216.375.2437
Email: Amy@dickensoninsurance.com

Life Insurance

Cleveland Clinic provides three employer-paid life insurance policies that become effective on your start date:

1. Group Term Life Insurance – 1.0x base annual pay (max of $500,000)
2. Accidental Death & Dismemberment Insurance – 1.0x base annual pay (max of $500,000)
3. Business Travel Accident Insurance – 3.0x base annual pay (max of $2,000,000) while traveling on official Cleveland Clinic business to a non-routine work location

Malpractice Insurance

Cleveland Clinic provides professional liability coverage for all residents and fellows while working within the confines of Cleveland Clinic’s teaching programs. This includes outside rotations that are part of your training program. Elective rotations outside of Cleveland Clinic are NOT covered by Cleveland Clinic insurance. Upon completion of your training program, this coverage remains in effect for any litigation that may arise from incidents while you were in training. You do not have to purchase “tail” coverage after you leave Cleveland Clinic.

Other Information

Emergency Loan

Interest-free loans of up to $4,800 are available to residents and fellows through the GME Department.

Maternity/Parental Leave

Cleveland Clinic offers the benefit of fully paid maternity and parental leave to eligible caregivers at their United States locations. Caregivers eligible for maternity leave will receive 100% pay for up to 8 consecutive weeks following the birth of a child. Parental leave is for use by all parents to care for and/or bond with their newborn or newly adopted child. Caregivers eligible for parental leave will receive 100% pay for up to 4 consecutive weeks following the birth or adoption of a child. Caregivers eligible for both benefits will receive up to 8 consecutive weeks of maternity leave plus up to 4 consecutive weeks of parental leave — for a total of 12 weeks with 100% pay. Trainees are urged to discuss maternity and parental leave with their program director to determine if they will need to make up time to meet board requirements.

Vacation and Paid Personal Days

Residents and fellows receive three weeks (15 working days) of vacation per academic year as well as a minimum of five (5) personal days per year. 

Academic Meetings

PGY-2 level and above clinical trainees can be reimbursed for a maximum of $2,500 to present at one meeting per year.

Educational Allowance Funds

GME provides each clinical trainee an annual academic year educational allowance of $1,000 for the purpose of enhancing their learning experience. 

On-call Meals

Eligible trainees who take required in-house overnight calls receive an on-call meal allowance.

Uniforms

Monogrammed Lab coats for clinical trainees are provided and laundered by Cleveland Clinic. Eligible trainees will also be provided scrubs.