Employee Services & Benefits
Refuah Health Center offers an exceptional benefits program to its employees.
Malpractice Insurance At No Cost to You
All providers are covered under FTCA Coverage and GAP insurance while acting within their scope of employment on behalf of Refuah.
Eligible for NHSC Loan Repayment Program
The National Health Service Corps (NHSC) offers tax-free loan repayment assistance to support qualified health care providers who choose to take their skills where they’re most needed.
Licensed health care providers may earn up to $50,000 toward student loans in exchange for a two-year commitment at an NHSC-approved site through the NHSC Loan Repayment Program (NHSC LRP). Accepted participants may serve as primary care medical, dental, or mental/behavioral health clinicians and can choose to serve longer for additional loan repayment support.
Students to Service Loan Repayment Program
Medical students (MD or DO) may earn up to $120,000 in their final year of school through the Students to Students to Service Loan Repayment Program (S2S LRP). Students must commit to serving either 3 years full-time or 6 years part-time at an NHSC-approved site with a Health Professional Shortage Area (HPSA) score of 14 or higher.
Paid Time Off (PTO)
Full-time employees accrue 180 hours/year through five years of service, 187.50 hours/year through fourteen years and 202.50 hours/year above fifteen years of employment.
Part-time employees accrue 125 hours/year through five years of service, 132 hours/year through fourteen years of service, and 144 hours/year above fifteen years of employment
This accrued time may be used for vacation, personal, holiday or sick time.
Refuah provides annual stipend for continuing medical/dental education to eligible employees.
A time-and-a-half per hour premium is paid for those working on the following recognized holidays: New Year’s, Martin Luther King, Jr., Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving and Christmas.
Medical and Dental Insurance
Refuah Health Center offers a choice of medical and dental plans through CIGNA. This is a company and employee premium-shared benefit. Employee contributions are deducted from payroll on a pre-tax basis.
Health Reimbursement Account (HRA)
Refuah Health Center provides all employees who elect medical coverage with an HRA to help pay for medical expenses that go against your deductible. These expenses include your medical deductible, copays, and prescription drugs.
Employees will automatically be funded with $1,000 at the beginning of the plan year.
Flexible Spending Accounts
Employees may participate in two pre-tax spending accounts to help manage health care and dependent care expenses while benefiting from tax savings. Participation is voluntary and participants elect how much to contribute to each account. Designated amounts for dependent care and out-of-pocket medical expenses are deducted from paychecks before taxes.
Basic Term Life Insurance Coverage – paid by Refuah Health Center
Refuah Health Center’s benefits program includes active employee life insurance benefits that provide financial protection if a participant should die or have a serious accident.
403(b) Investment Plan
With a 403(b) plan, employees make tax-deferred contributions toward retirement savings, up to the annual IRS limits.
Employee Assistance Program (EAP)
The Employee Assistance Program (EAP) is available to help you with personal growth and development. The various online training programs are available for your use at no charge.
In addition, the EAP is a confidential, short term, counseling service for employees with personal problems that affect their work performance. One-on-one sessions are offered and online information, coaching and support services are also available.
Employees turn to the EAP for help with a variety of issues, including the following:
- Dependent care issues, such as searching for child care information, identifying services for special needs children, obtaining advice on the college application process, or arranging for residential care for an elder.
- Dealing with the stress of a major life change (even a positive one), such as having or adopting a child, getting married, moving or buying a home, or getting a promotion.
Paychecks can be automatically deposited to the financial institution of your choice.