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 offers a comprehensive health plan that covers residents and fellows as well as your immediate family members (spouse and eligible children) at 50 percent of the healthcare premium that all other Cleveland Clinic caregivers pay. Trainees are covered as of their actual start date so long as they completed online enrollment within 31 days of their start date.

While the health plan includes a two-tier network of providers, you will receive the maximum level of coverage by using Tier 1 Cleveland Clinic network providers. Tier 1 coverage includes:

• No pre-existing condition clause and 100 percent coverage for primary care office visits.
• No referral is needed for specialist office visits that require a $35 co-payment per visit.
• Pediatrics, Gynecology and Obstetrics are considered primary care. Related services are covered at 100 percent. Maternity care requires a one-time $50 co-payment.
• Inpatient and outpatient hospital services are covered at 100 percent.
• Routine vision exams are covered at 100 percent after a $35 co-payment.
• Emergency care at any Cleveland Clinic or non-Cleveland Clinic hospital is covered 100 percent after a $100 co-payment.

Tier 2 providers include the following three provider networks: Cleveland Health Network (regional), Medical Mutual Traditional Network (within the state of Ohio), and USA Managed Care Organization (outside the state of Ohio). Tier 2 coverage has a $500 individual and $1,500 family annual deductible. After the deductible is met, Tier 2 coverage includes:

• No pre-existing condition clause and 70 percent coverage after a $25 co-payment for primary care office visits (including Pediatrics, Gynecology and Obstetrics).
• No referral is needed for specialist office visits that are covered at 70 percent after a $50 co-payment.
• Maternity care is covered at 70 percent after a one-time $100 co-payment.
• Inpatient and outpatient hospital services are covered at 70 percent.
• Routine vision exams are not covered by Tier 2 providers.

The health plan also includes a prescription drug benefit.

• When purchased through Cleveland Clinic Pharmacies, prescription drugs are covered at 85 percent for generic, 75 percent for preferred brands (formulary), 55 percent for non-preferred brands (non-formulary) and 80 percent for high-technology drugs with prior authorization.
• The minimum co-payment is $3 per month and the maximum is $50 per month for generic and preferred brands. There is no minimum or maximum co-payment for non-preferred brands, and high-technology drugs have a $75 per month maximum co-payment.
• Mail-order prescriptions for up to a 90-day supply are available, with a $15 per 90-day supply minimum and $150 per 90-day supply maximum co-payment ($300 per 90-day supply maximum for high-technology drugs).
• The $100 individual/$300 family annual deductible is waived for generic prescription drugs if they are obtained from a Cleveland Clinic Pharmacy.
• When purchased through a non-Cleveland Clinic retail pharmacy and after the deductible is met, prescription drugs are covered at 80 percent for generic, 70 percent for preferred brand (formulary), 50 percent for non-preferred brands (non-formulary) and 80 percent for high-technology drugs with prior authorization.
• The minimum co-payment is $5 per month and the maximum is $50 per month for generic and preferred brands.
• There is no minimum or maximum for non-preferred brands or high-technology drugs.

Dental Insurance

Dental insurance is provided to you and your eligible dependents after one year of service (at no cost to you). If you prefer to begin your dental coverage immediately, the associated costs would be deducted from each pay (payroll deducted) for the first 12 months.

Cleveland Clinic offers four dental plans (Preventive, Traditional, Dental HMO and Enhanced). After one year of service, the Traditional Dental Plan takes effect (on the first of the month following your anniversary date, at no cost to you). Enrollment in any of the dental plans must be made within 31 days of your actual start date.

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. 

Enrollment in the Vision Care Plan must be made within 31 days of your actual start date; otherwise, you must wait until the annual Open Enrollment period.

Disability Insurance

Rory Lough and Amy Dickenson are our Group Long-Term Disability representatives. They have been independent disability and life insurance advisors to Cleveland Clinic since 1991 and have provided exceptional customer service, education and benefits communication. If you have any questions concerning your disability insurance coverage provided by Cleveland Clinic, please contact a plan representative:

Rory Bixel Lough
Arthur J. Gallagher & Company
8561 East Ave.
Mentor, OH 44060
440.974.4040 Office
440.567.8949 Mobile
Email: Rory_Lough@ajg.com

Amy P. Dickenson
Dickenson & Associates LLC
6001 Cochran Road, Suite 400
Solon, OH 44139
440.505.6007 Office
216.375.2437 Mobile
Email: Amy@dickensoninsurance.com

Life Insurance

Cleveland Clinic offers each resident and fellow a group life insurance policy for $25,000 after 30 days of employment.

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/Paternity Leave

Cleveland Clinic offers the benefit of fully paid maternity and parental leave to caregivers at their United States locations. Caregivers eligible for maternity leave (biological mothers) 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 (biological mother or father, or adopting parent) 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 in accredited programs can be reimbursed for a maximum of $2,500 (as of July 1, 2023) 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 in-house overnight required calls use a debit card system for on-call meal allowances.

Uniforms

Monogrammed Lab coats are provided and laundered by Cleveland Clinic.