1
Benet Takes Eect Enrollment Cost-Share
Health, dental and vision Your hire date Auto-enrolled in Aetna Plus
after 30 days if you take no
action
VUMC shares the cost of the
health plan; You pay the full
cost of dental and/or vision
403(b) Retirement Plan
You can contribute right away.
Employer match eligibility
varies.*
Auto-enrolled after one year VUMC shares the cost
Life insurance Your hire date Auto-enrolled in basic life
insurance
VUMC pays the cost of
basic; You pay the full cost of
supplemental life insurance
Long-term disability First of the month after 30 days
of employment*/eligibility
Auto-enrolled after 30 days VUMC shares the cost
Accidental Death &
Dismemberment
(optional)
Your hire date Self-enrollment You pay the full cost
Short-term disability Enhanced coverage begins the
rst of the month following 30
days of employment/eligibility
Auto-enrolled in enhanced
coverage after 30 days
VUMC shares the cost
Flexible Spending
Accounts
First of the month following 30
days of employment/eligibility
Self-enrollment You pay the full cost
Tuition assistance 3 months from your hire date* Self-enrollment VUMC pays the full cost
2024 Benefits Overview
As a Vanderbilt University Medical Center employee, you make a difference to our
patients and their families by bringing compassion and care to those in need of hope
and healing. VUMC extends this culture of caring to you and your family by providing a
comprehensive and flexible benefits package to help you lead longer and healthier lives.
Read this overview carefully and choose the best benefits for you and your family.
Benefits at a Glance (example for new full-time regular staff)
About this booklet
This document provides information about your benefit options. It is not meant to replace the summary plan descriptions
(SPDs), which are the governing documents for VUMC benefits. SPDs are available at hr.vumc.org/ benefits/sbc-eoc.
Offerings and plans are subject to change. Prices are valid for the 2024 plan year.
How to find Benefits help
There are two ways to get answers to your Benefits questions:
• Visit the Workday Help Center to find answers to frequently asked questions in the self-
help articles, or you can click on Create Case to get help from a HR Specialist. You can find a link to Workday
on the HR website homepage at hr.vumc.org. Workday Help is a quick way to get answers to your HR-related
questions. It also gives you one place to track, communicate about, and view more information about the case.
• Should you still need additional assistance regarding how to enroll in your benefits, you can call the Employee
Service Center at 615.343.7000.
*Examples shown are for regular, full-time staff. Some programs’ guidelines and eligibility vary for faculty, house staff and post-docs. Refer to
your faculty manual for guidance.
Salary and ABBR
Benefits are tied to your Annual Base Benefits Rate, or ABBR. For most employees, your ABBR is equal to your annual salary.
2
Who is eligible?
Vanderbilt University Medical Center is pleased to offer a comprehensive and flexible
benefits package. Use the information below and this chart to determine who is eligible
for each type of benefit.
Fully benefits-eligible employees
If you work at least 30 hours a week and are a regular, full-time staff or faculty member,
then you are eligible for most benefits beginning on your hire date.
Partially benefits-eligible employees
Partially benefits-eligible employees and their dependent children are eligible for VUMC health plan coverage. If you
are a monthly paid employee not already eligible for benefits, or a weekly or biweekly paid employee who is regularly
scheduled to work 20 to 29 hours per week, then you are partially benefits-eligible. TempForce (temporary), adjunct,
and flex are also partially benefits-eligible if they meet the previous requirements.
Fully benefits-eligible employees
Partially benefits-eligible employees
Health Plan
Prescription plan
Dental plan
Vision plan
AD&D
Retirement plan
Short-term disability
Long-term disability
Life insurance
Pet insurance
flexPTO
Go for the Gold
MTA discounts
Auto/home insurance
FSAs
Health Plan
Prescription plan
Retirement plan
Pet insurance
flexPTO (except Tempforce)
Go for the Gold
MTA discounts
Auto/home insurance
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VUMC Health Plan
Health Plan Options
VUMC offers three health plan options:
All three are strong, high-quality
options and provide similar services and
networks. The differences come in the
cost-sharing amounts — meaning the
premiums, deductibles, copayments and
out-of-pocket maximums.
VUMC pays a significant part of the
health expenses you and your family
members may incur. You will be
automatically enrolled in the Aetna Plus
employee-only option and charged if
you are fully benefits eligible, unless you
make changes or opt-out within 30 days
of your hire date.
Preventive Care
All plan options provide 100 percent
coverage for preventive care and
screenings, with no deductible or copay
required, as long as the service meets the
guidelines for a preventive care service,
is not for screening of a diagnosis, and is
done at a Tier 1 or 2 provider.
Please refer to the Evidence of Coverage
for the health plan option of your
choice for more information regarding
preventive care benefits. Information
can be found on the Human Resources
website, hr.vumc.org, under Benefits.
ID Cards
You will receive two ID cards if you enroll
in any health plan option, one from
Aetna for medical and one from Navitus
for prescription drugs. If you need a
duplicate card, contact the appropriate
vendor to make the request.
Please remember that
you choose a health
plan option when you
enroll, not a network.
Evidence of Coverage
Booklets
For full details of each health plan
option, see each option’s Evidence
of Coverage booklet at hr.vumc.
org/benefits/sbc-eoc.
Summary of Benefits and
Coverage
VUMC provides a Summary of
Benefits and Coverage for each
health plan option. Required by law,
the SBCs provide an easy-to-un-
derstand summary about each
health plan’s benefits and cover-
age. You can find them at
hr.vumc.
org/benefits/sbc-eoc.
Provider Directories
Visit hr.vumc.org/benefits/medical for a link to the Aetna directory.
Aetna Plus
Aetna Select
Health Savers with Health Savings
Account (HSA)
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Using the Tier 1: VUMC/VHAN Affiliates
This sheet helps you choose a health plan option based on the providers (doctors, facilities, other health professionals) that
you use. For full details of each health plan option, see each option’s Evidence of Coverage booklet at hr.vumc.org/benefits.
The Aetna Health Savers Plan comes with an HSA account. If you elect employee-only coverage, VUMC deposits $750 into the HSA
account in equal amounts throughout the year. If you elect spouse or family coverage, VUMC deposits $1,500 into the HSA account
in equal amounts throughout the year.. You can use these funds to meet your deductible. Certain out-of-network services require prior
authorization or else the out-of-pocket limit does not apply.
*Labs, tests, and imaging subject to deductable and coinsurance.
Aetna Plus
Health Plan Option
Aetna Select
Health Plan Option
Health Savers Plan
Health Plan Option
Annual deductible
Individual: $750
Family maximum: $1,400
Individual: $700
Family maximum: $1,400
Employee only: $1,800
Employee plus:
Individual: $3,200,
Family: $3,500
Coinsurance
20% after deductible 10% after deductible 10% after deductible
Out-of-pocket limit
Individual: $4,000
Family maximum: $7,500
Individual: $3,500
Family maximum: $7,000
Individual: $6,500
Family maximum: $12,500
Preventive visit
$0 $0 $0
Telehealth and eVisits
$5 copay $5 copay
10% after deductible10% after deductible
Sick visit,
specialist visit,
mental health visit
$25 copay $25 copay 10% after deductible
Urgent care visit*
$50 copay $50 copay 10% after deductible
Emergency room visit*
$125 copay $125 copay 10% after deductible
Hospital inpatient,
outpatient,
diagnostic testing
20% after deductible 10% after deductible 10% after deductible
Skilled nursing,
home health,
hospice, therapy
20% after deductible 10% after deductible 10% after deductible
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Using the Tier 2: Aetna Preferred Network
This sheet helps you choose a health plan option based on the providers (doctors, facilities, other health professionals) that
you use. For full details of each health plan option, see each option’s Evidence of Coverage booklet at hr.vumc.org/benefits.
Aetna Plus
Health Plan Option
Aetna Select
Health Plan Option
Health Savers Plan
Health Plan Option
Annual deductible
Individual: $2,650
Family maximum: $5,300
Individual: $2,200
Family maximum: $4,400
Employee only: $3,000
Employee plus:
Individual: $3,200,
Family: $6,000
Coinsurance
60% after deductible 60% after deductible 60% after deductible
Out-of-pocket limit
Individual: $6,000
Family maximum: $10,000
Individual: $6,000
Family maximum: $10,000
Individual: $6,500
Family maximum: $12,500
Preventive visit
$0 $0 $0
Telehealth and eVisits
$60 copay$60 copay $60 copay$60 copay 60% after deductible60% after deductible
Sick visit,
specialist visit,
mental health visit
$60 copay $60 copay 60% after deductible
Urgent care visit*
$75 copay $75 copay 60% after deductible
Emergency room visit*
$125 copay $125 copay 60% after deductible
Hospital inpatient,
outpatient,
diagnostic testing
60% after deductible 60% after deductible 60% after deductible
Skilled nursing,
home health,
hospice, therapy
60% after deductible 60% after deductible 60% after deductible
The Aetna Health Savers Plan comes with an HSA account. If you elect employee-only coverage, VUMC deposits $750 into the HSA
account in equal amounts throughout the year. If you elect spouse or family coverage, VUMC deposits $1,500 into the HSA account
in equal amounts throughout the year.. You can use these funds to meet your deductible. Certain out-of-network services require prior
authorization or else the out-of-pocket limit does not apply.
*Labs, tests, and imaging subject to deductable and coinsurance.
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Using Tier 3: Out of Network
This sheet helps you choose a health plan option based on the providers (doctors, facilities, other health professionals) that
you use. For full details of each health plan option, see each option’s Evidence of Coverage booklet at hr.vumc.org/benefits.
Aetna Plus
Health Plan Option
Aetna Select
Health Plan Option
Health Savers Plan
Health Plan Option
Annual deductible
Individual: $5,000
Family maximum: $10,000
Employee only: $5,000
Employee plus:
Individual: $5,000,
Family: $10,000
Employee only: $5,000
Employee plus:
Individual: $5,000,
Family: $10,000
Coinsurance
70% after deductible 70% after deductible 70% after deductible
Out-of-pocket limit
Individual: $8,500
Family maximum: $16,500
Individual: $8,500
Family maximum: $16,500
Individual: $11,000
Family maximum: $21,500
Preventive visit
70% after deductible 70% after deductible 70% after deductible
Telehealth
70% after deductible 70% after deductible 70% after deductible
Sick visit,
specialist visit,
mental health visit
70% after deductible 70% after deductible 70% after deductible
Urgent care visit*
70% after deductible 70% after deductible 70% after deductible
Emergency room visit*
$125 copay $125 copay 10% after deductible
Hospital inpatient,
outpatient,
diagnostic testing
70% after deductible 70% after deductible 70% after deductible
Skilled nursing,
home health,
hospice, therapy
70% after deductible 70% after deductible 70% after deductible
The Aetna Health Savers Plan comes with an HSA account. If you elect employee-only coverage, VUMC deposits $750 into the HSA
account in equal amounts throughout the year. If you elect spouse or family coverage, VUMC deposits $1,500 into the HSA account
in equal amounts throughout the year.. You can use these funds to meet your deductible. Certain out-of-network services require prior
authorization or else the out-of-pocket limit does not apply.
*Labs, tests, and imaging subject to deductable and coinsurance.
7
VUMC employees and their dependents enrolled in VUMC health care plans are eligible to participate in the MyHealth
Bundles program. The program “bundles” all the services you need to succeed with both common and complex health
conditions and provides personalized, concierge-level services through a patient navigator, streamlined care and lower or no
out-of-pocket costs.
To learn more, visit https://www.vanderbilthealth.com/program/myhealth-bundles.
Bundles
Current bundles include:
MyMaternityHealth
For pre- and post-natal care
MyHearingHealth
For cochlear implant surgery
MyHeartHealth
For Cardiac Arrhythmia treatment
MySpineHealth
For select spinal surgeries
MyOncologyHealth
Personalized support for individuals diagnosed
with cancer
MyOrthoHealth
For hip and knee replacement
MyOrthoHealth
For osteoarthritis of the hip and knee
MyOrthoHealth
For orthopedic care for shoulder pain
MyWeightLossHealth
For surgical weight loss
MyWeightLossHealth
For medical weight loss
MyUrologyHealth
For kidney stone treatment
MyRecoveryHealth
For substance use disorder support
For Health Savers Plan Members
VUMC’s Health Savers plan members and their dependents are eligible to participate in the MyHealth Bundles
program. Annual deductible minimums required through the Health Savers plan will still apply. For details about
how your Health Savers benefits work with the MyHealth Bundles program, schedule a time to speak with a
Bundles Navigator at VUMC.myvanderbilthealthbenefits.com or by calling 615.936.BNDL (2635).
Visit vumc.myvanderbilthealthbenefits.com for more information and to connect to a patient navigator.
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Prescription Drug Benefit
Navitus Health Solutions administers the prescription drug benefit for VUMC employees enrolled in one of the
three health plan options. The prescription drug benefit is a multi-level formulary (i.e, list of covered drugs) with a
recommended generic program. For members of the Aetna Plus and Aetna Select plans, the prescription drug benefit
includes a copay for Level 1 drugs and coinsurance for Level 2, 3 and specialty drugs. If you select the Health Savers Plan,
you will be required to pay the full amount of your prescription drug costs until you meet your deductible.
The VUMC Health Plan encourages employees to use the VUMC pharmacies, where you will get the best price for
prescriptions. You can also take advantage of the Vanderbilt Mail Order Pharmacy, meaning your medications will
be shipped for free. Visit vumc.org/rx-outpatient/employee-home-delivery-service to learn more.
There is a calendar year prescription coinsurance and copay limit of $2,500 for individuals or $5,000 for families
for Plus and Select members. Not all prescription drugs are covered by the VUMC Health Plan. Some prescription
drugs require prior authorization from Navitus Health Solutions before the prescription can be filled. If you fill a
prescription at an out-of-network pharmacy, you won’t receive the prescription benefit. Visit navitus.com for more
information.
2024 Pharmacy Plan Design (Select & Plus)
30-day fills VUMC Phamarcy Walgreens Pharmacy Retail Network
Pharmacy
Vanderbilt
Mail Order/Pick Up
Maintenance generic drugs $1 copay $12 copay $15 copay $3 copay
Level 1 $5 copay $12 copay $15 copay $15 copay
Level 2 30% coinsurance
w/$75 max
30% coinsurance
w/$100 max
50% coinsurance
w/$125 max
30% coinsurance
w/$150 max
Level 3 50% coinsurance
w/$100 max
50% coinsurance
w/$125 max
70% coinsurance
w/$150 max
50% coinsurance
w/$250 max
Specialty 10% coinsurance
w/$125 max
Not available Not available Not available
Health Savers Plan Pharmacy Deductible
Deductible (Employee Only) Employee Only: $1,800
Deductible (Employee +)
Individual: $3,200
Family: $3,500
Drug Level
VUMC Pharmacy
Walgreens
Pharmacy
All other non-
preferred
pharmacies
Maintenance
generic drugs
30% after
deductible (max
$5)
N /A N /A
Tier 1
30% after
deductible (max
$5)
35% after
deductible (max
$12)
70% after
deductible (max
$20)
Tier 2
50% after
deductible (max
$75)
55% after
deductible (max
$100)
70% after
deductible
(max$125)
Tier 3
70% after
deductible (max
$100)
75% after
deductible (max
$125)
90% after
deductible (max
$150)
Specialty
10% after
deductible (max
$125)
N /A N /A
In the Health Savers Plan, the employee is
responsible for the full cost of prescriptions until
the deductible is met.
2024 Pharmacy Plan Design
(Health Savers Plan)
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VanderbiltRX
Vanderbilt pharmacies offer convenience with a the VanderbiltRx app, which allows
you to:
• Place refill orders for pickup
• Set up reminders to refill prescriptions
• Set up reminders to take your medicine
• Transfer a prescription with a snap of a photo (mobile only)
The app works at these Vanderbilt pharmacies:
• The Vanderbilt Clinic
• Medical Center East
• Monroe Carell Jr. Children’s Hospital at Vanderbilt
• Vanderbilt Health One Hundred Oaks
How to get started:
You need a prescription with a participating Vanderbilt Pharmacy and must be enrolled in the My Health at
Vanderbilt app. MHAV will confirm your identity and auto populate your prescription information in the new app.
Employees without the MHAV app can sign up online at Vanderbilt Health. Should you have an issue signing up,
call the Help Desk at 615-343-HELP/3-4357.
The app is available for VUMC Health Plan employees and their dependents. Specialty, Transplant and Home
Delivery prescriptions are not eligible to manage within this new app at this time.
The app is accessible via the web and on mobile. Visit www.VanderbiltRx.com to use the tool or for instructions
on how to download the app to your mobile device. You can also access the pharmacy app using the MHAV app.
Click on the Menu icon and scroll down to Vanderbilt RX Pharmacy to connect to the app.
One of the pharmacy team members can help you with questions about your medication(s), refills or shipments.
Call the pharmacy at 615.875.4999.
10
Your member ID is 86 plus your
VUMC employee ID. You can find your
employee ID in Workday.
!
Cigna Dental Care (DHMO) BlueCross BlueShield DentalBlue
(PPO)
Delta Dental (PPO)
No deductibles, waiting periods
or dollar maximum. Orthodonic
coverage is for both adults and
children.
$50 deductible and 12-month waiting
period for orthodontia. The deductible
does not apply to basic cleaning and
x-rays. Orthodontic coverage is for
children only.
$50 deductible and 12-month waiting period for
orthodontia. The deductible does not apply to basic
cleaning and x-rays. Orthodontic coverage is for
children only.
There is a copay (set fee) for dental
services.
There is no copay; there is coinsurance. There is no copay; there is coinsurance.
Smaller network of dentists and
must choose a primary dentist
Larger network of dentists Offers the largest provider network in the nation
through the Delta Dental PPO and Premier
networks.
Does not provide out-of-network
coverage
Offers out-of-network coverage Offers out-of-network coverage
Referrals needed for specialists No referrals needed No referrals needed
No annual benefit maximum Benefit maximum is $1,500 a year Benefit maximum is $1,500 a year
Some procedures have frequency
limits, such as one cleaning per
6-month period.
Some procedures have frequency limits,
such as one cleaning per 6-month
period.
Some procedures have frequency limits, such as
one cleaning per 6-month period.
Dental plan: monthly payroll premiums
Dental Plan Option Employee Employee + Spouse Employee + Children Family
Cigna DHMO $18.61 $31.63 $38.51 $47.82
BCBS PPO $31.15 $61.86 $74.67 $104.89
Delta Dental PPO $27.90 $55.47 $69.90 $104.75
Vision plan
Vision plan services run on a rolling cycle, based on date of service instead of a calendar year. MetLife offers a wide network
of providers, including Vanderbilt Eye Institute, Target, Wal-Mart and Lens Crafters. Your coverage includes eye examinations,
prescription eyewear and contact lenses through a provider network that includes both ophthalmologists and optometrists.
MetLife: monthly payroll premiums
Individual Individual + Spouse Individual + Children Family
$6.53 $10.93 $11.46 $18.64
Dental plan
VUMC offers three dental plans: Cigna Dental Care (DHMO), BlueCross BlueShield Dental (PPO), and Delta Dental (PPO). The
dental plan is a benefit paid for by employees and runs on a rolling cycle, based on date of service, instead of a calendar year.
11
Flexible spending accounts (FSA) let you pay for many of your out-of-pocket medical or day care expenses with tax-free
dollars. You decide how much of your pretax wages you want taken out of your paycheck and put into an FSA. You don’t
have to pay taxes on this money. If you are enrolled in the Health Savers plan, you are not eligible to enroll in an FSA.
This is because the Health Savers Plan comes with a health savings account (HSA), which you can use to pay for the
same medical expenses. The chart below shows the differences between an HSA and FSA.
Note that your flexible spending account selection will not carry over to 2024. If you want to participate in an
FSA for 2024, you will need to enroll on My VUMC
Benefits.
Healthcare FSA
This FSA reimburses you for eligible health care
expenses, such as copays, coinsurance, dental,
prescriptions, and eyeglasses. See a complete
list of eligible expenses by visiting irs.gov/
publications/p502.
The minimum you can contribute is $104 per
year; the maximum you can contribute in 2024
is $3,050. If both you and your spouse work, you
can both contribute $3,050.
Dependent Day Care FSA
This FSA allows you to set aside money to pay
for day care expenses for children under the age
of 13 or elder care. The day care must be used as
a means to allow you and/or your spouse to be
employed.
The minimum you can contribute is $104 per
year; the maximum you can contribute is $5,000
per year. If both you and your spouse work, you
need to coordinate with your spouse so that your
total household contribution does not exceed
$5,000.
Note about Flexible Spending Accounts
You have until March 15, 2025 to incur an expense and April 15, 2025 to file a claim on your 2024 FSA. At the end of the
grace period, though, you will lose any money left over in your FSA. So, it’s important to plan carefully and not put more
money in your FSA than you think you’ll spend within a year.
No catch up
Use it or
lose it
Cannot invest
Employer
oers an FSA
Funds available at the
beginning of the year for
health FSA or as deposited
for dependent care FSA
Can only make
contribution changes at
Open Enrollment or for
a qualifying life event
Max contribution for employee:
Health FSA: $3,050
Dependent care FSA: $5,000
$1,000 catch up for
age 55 or older
Health Savings Account Flexible Spending Account
Accumulates
year over year
Investment
opportunities
Must be enrolled in
a High Deductible
Health Plan
Funds available
as they are
deposited
Make changes to
contributions
throughout the year
2024 HSA Limits
Individual: $4,150
Family: $8,300
HSA
vs
FSA
Flexible Spending Accounts
12
403(b) Retirement Plan
The Vanderbilt University Medical Center
403(b) Retirement Plan is a mandatory
long-term investment program for
eligible faculty and staff to prepare for
retirement. Fidelity Investments is the
administrative services provider.
Eligibility
• Full-Time Staff and House Staff:
The retirement plan is optional when
you are new, but becomes mandatory
at your one-year anniversary. You are
automatically enrolled at the mandatory
level, but can participate at the voluntary
level during your first year. (If you are
covered by a collective bargaining unit,
other plan terms may apply.)
• Part-Time Staff: The retirement
plan will also become mandatory
once you have completed one year of
service and 1,000 hours within a twelve
month period. You can participate
at the voluntary level prior to being
automatically enrolled at the mandatory
level.
• Faculty*: Your enrollment generally
begins on the first of the month following
your appointment date.
Contribution Levels
• Mandatory: 3 percent (6.47 percent
for VMG faculty) of your annual salary.
VUMC matches 3 percent dollar-for-
dollar.
• Voluntary: any contribution above
the mandatory level. VUMC matches 2
percent of your voluntary contributions
dollar-for-dollar as long as you contribute
at least 2 percent.
Mandatory contributions will be in
addition to any voluntary contributions
you elect. Voluntary contributions cannot
exceed IRS limits. Each year the IRS
determines the annual maximum you can
save toward retirement. To view current
IRS limits, visit the HR website (hr.vumc.
org/benefits/retirement/limits).
Returning Employees
If you are a returning employee in an
eligible position, and were eligible for the
retirement match during your previous
VUMC employment, you are required to
participate and will be eligible to receive
matching contributions generally on the
first of the month immediately following
your re-employment date.
* For faculty, VMG and executive
administration members: Those
whose compensation exceeds
$130,000 by Dec. 31 of their first
year working at VUMC meet the
highly compensated employee
threshold established under IRS
guideline 414(q)(1)(B). If you meet
this threshold, VUMC’s matching
contributions will stop until you
have completed one year of
service.
You will be eligible for matching
contributions again on the first of
the month following the one-year
anniversary of your appointment/
hire date. This is a requirement
of the plan to meet non-
discrimination regulations. See the
Faculty Manual for more details.
Get guidance to help plan for your
future by meeting one-on-one or
over the phone with a Fidelity Dedi-
cated Retirement Planner.
Visit www.netbenefits.com/VUMC
or call 800.642.7131 to schedule
an appointment. Dedicated retire-
ment planners can help you learn
about investment funds, discuss
how much money you may need
at retirement, review your current
investments, learn how to initiate
a rollover, or discuss investment
strategies.
How to Enroll
To manage your retirement account, visit Fidelity NetBenefits at
netbenefits. com/VUMC to register your account, enroll in the plan, designate your
beneficiaries and select your investments.
The website offers online tools to help you with your retirement planning and
decision making.
If you don’t enroll before your eligibility begins, you will be automatically enrolled in
Fidelity’s Vanguard Target Date Fund.
13
Life Insurance
VUMC provides Basic Life Insurance in an amount equal to your Annual Base Benefits
Rate (typically your annual salary) up to $500,000. Life Insurance is administered by
MetLife. Your life insurance begins on your hire date.
You can change your supplemental life election at any time, but adding coverage
after your initial enrollment period will require a MetLife Statement of Health Form,
underwriting review, and you may be denied coverage.
You can add supplemental life coverage of up to 8 times your annual base benefits rate —
up to a maximum of $1,000,000. If you elect supplemental life coverage within your new
employee enrollment period, there is no medical review required for coverage that does
not exceed $500,000 or 3 times your annual salary. If you are past your new employee
enrollment period and want to increase your coverage by an additional salary multiple, or
are a new employee and are requesting over $500,000 or 3 times your annual salary, you
must complete a MetLife Statement of Health Form and be approved by the insurance
company to add supplemental life coverage.
Dependent Coverage
You can elect coverage for your spouse
in $10,000 increments up to the lesser
of $250,000 or 50 percent of your own
supplemental coverage. If the amount of
coverage elected is more than $20,000,
your spouse must complete a MetLife
Statement of Health form. Your spouse
can be covered up to age 85.
You can elect coverage for your child (up
to age 26) in $5,000 increments up to a
maximum of $15,000.
You pay the full amount of the premium
for dependent coverage.
Eligible
Employee Age
% of Salary
65-69 67%
70-74 45%
75-79 30%
80+ 20%
Age Reduction Table
How to Enroll
You will be automatically
enrolled in basic life insurance
plan. You can enroll in
supplemental life insurance by
electing the level of coverage you
want in Workday within 30 days
of your hire date.
Will Preparation
If you enroll in supplemental life insurance, you can take advantage of MetLife’s
will preparation service, which also includes living will and power of attorney
preparation services.
More information can be found on the HR website at
https://hr.vumc. org/system/files/benefits/WillPrepPreEnrollment.pdf
All benefits-eligible employees have access to MetLife’s online will preparation
service, WillsCenter.com.
14
AD&D
(Accidental Death & Dismemberment)
Accidental Death & Dismemberment
(AD&D) is a plan that pays a benefit if you
lose your life, limbs, eyes, speech or hearing due to an accident.
AD&D is administered by MetLife.
You can enroll for individual or family coverage. Family coverage
includes your spouse and any dependent children up to the age
of 26.
You may purchase AD&D coverage in increments of $10,000 (up
to 10x your annual salary or $500,000, whichever is less).
To learn more about AD&D coverage and payouts, visit
hr.vumc.org/benefits/life#add.
MetLife Travel Assistance
If you purchase $10,000 or more of Accidental Death & Dismemberment insurance, you are eligible for
MetLife’s Travel Assistance. MetLife provides worldwide medical, travel, concierge, legal and financial
assistance services through Travel Assistance. For a full list of services, visit hr.vumc.org/benefits/ travel
and search “travel assistance.”
15
Short-Term Disability
Short-term disability insurance is available to fully benefits-eligible staff.* The benefit provides
nearly whole take-home income replacement if you are unable to work for an extended period
due to an approved medical condition.
Once you have fulfilled the two-week (14 calendar day) waiting period, short-term disability
insurance replaces up to 66 2/3 percent of your annual base benefits rate (up to $2,500 per
week maximum). Short-term disability benefits may continue for up to 24 weeks. The benefit is
administered by Unum.
Learn more in the Summary Plan Description at hr.vumc.org/benefits/sbc-eoc.
Enhanced Short-Term Disability
(coverage begins the first of the month following 30 days of service)
You will automatically be enrolled in the base and buy-up coverage on the first of the month following 30 days of employment
The base portion is paid for by VUMC and covers up to $24,000 of your annual salary. The buy-up portion is paid for by you and
covers your salary above $24,000.
You may waive the buy-up coverage at any time in Workday by electing “Waive” for the buy-up coverage of short-term
disability. Please note that if you waive the buy-up coverage and wish to re-enroll in the buy-up coverage at another time, you
will be subject to medical review and you could be denied.
* Eligibility applies to benets-eligible sta. It does not apply to faculty and post-doctoral fellows. Faculty and post-docs should refer to their manuals and
programs for guidance on disability and leave time. Those with house sta benets are eligible for short-term disability.
Enrollment
You are automatically enrolled in enhanced short-term disability the first of the month after 30 days of employment. Your
monthly cost is calculated automatically when you enroll. Employee-paid short-term disability premiums are after-tax, so you
do not owe income taxes on the benefit when you receive the disability pay.
Long-Term Disability
Long-term disability insurance replaces 60 percent of your
covered income if you become disabled and cannot work
for more than six months. Initially, a disability is one that
prevents you from working at your own occupation. Long-
term disability is administered by Unum.
This will cover the amount between $24,000 and your
annual base pay and includes a 10 percent monthly
contribution to your retirement account if you become
disabled and are a participant in the Vanderbilt University
Medical Center Retirement Plan.
How to Enroll
Automatic enrollment in the long-
term disability plan occurs on
the first of the month following
30 days.
You may waive the employee-
paid long-term disability coverage
at any time by logging into Workday and electing “Waive” for
Full Long-Term Disability.
16
Name Type Website Phone
Aetna Health plan
www.aetna.com
1.800.743.0910
BlueCross Dental PPO www.bcbst.com/members/vumc 1.800.565.9140
Cigna Dental Care Access DHMO
www.cigna.com
1.800.244.6224
Delta Dental Dental PPO www.deltadentaltn.com 1.800.223.3104
Fidelity Retirement
www.netbenefits.com/VUMC
1.800.343.0860
MetLife AD&D, Auto, Home, Life, Vision
www.metlife.com
1.800.638.6420
Navitus Health Solutions Prescription Drug Program
www.navitus.com
1.866.333.2757
WEX Health Flexible Spending Accounts www.myfsaexpress.com 1.877.837.5017
Unum Short-Term, Long-Term Disability
www.unum.com
1.800.836.6900
Nationwide Pet Insurance
www.petinsurance.com/vanderbiltumc
1.877.PETS.VPI
How to Enroll
To enroll:
1. Log in to Workday and select the
Inbox icon.
2. Select the New Hire Enrollment
task.
3. Answer the Health Questionnaire
for Tobacco Use.
4. Select Manage to choose your
benefits.
5. Choose Select or Waive for each
benefit.
Carrier/Provider Contact Information
Life Event Changes
Changes such as marriage or having a baby are examples of qualifying events. You
have 30 days after the date of a life event to make a change to your benefits. For more
information, see hr.vumc.org/record-updates.
You can make changes to retirement, enhanced short-term disability, long-term
disability and life insurance during the plan year, but you may need to meet other
requirements.
Open Enrollment
Each fall, you can make changes for the following year for these benefits: health, dental, vision, flexible spending
accounts, and AD&D.
Log into Workday to enroll in your benefits. You have 30 days from your hire date to complete your benefits enrollment.
Your elections for health, dental, vision, AD&D and FSAs stay in effect for the plan year (Jan. 1–Dec. 31), unless you have
a qualifying life event. If you make no election, you will be enrolled in the Aetna Plus health plan option for employee only
coverage and will miss out on enrolling in other benefits.
Retirement has a separate enrollment process. Refer to the 403(b) Retirement Plan section for more information.
17
Go for the Gold Program
Go for the Gold
Platinum Benefit
The platinum benefit is in
addition to the $240 Wellness
Credit. It provides partial reim-
bursement of membership fees
to Medical Center employees
who join the Vanderbilt Recre-
ation and Wellness Center.
This health promotion program helps faculty,
staff and their families lead healthier and more
productive lives by identifying health risks
and taking action to reduce those risks. If you
participate in Go for the Gold, and are enrolled in
the VUMC Health Plan, you can earn a wellness
credit of up to $240 per year.
Health Plan Account
If you are enrolled in the Aetna Plus or
Aetna Select, VUMC deposits your Go for the
Gold wellness credit into a Health Plan Account
managed by Aetna. The annual amount you earn
depends on your level of participation (bronze:
$120, silver: $180, gold: $240).
The Health Plan Account helps you pay your
deductibles and coinsurance. The credit can
be applied to other covered members on
your health plan, including your spouse and
dependents.
Aetna will automatically draw from this account
when they receive a bill from a doctor’s office or
facility. (The Health Plan Account does not apply
toward copays.) If the credit is not used, the
money will roll over each year. Contact Aetna to
find your balance.
If you are enrolled in the Health Savers
plan, VUMC deposits your Go for the Gold
wellness credit into your Health Savings Account
(HSA). The annual amount you earn depends on
your level of participation (bronze: $120, silver:
$180, gold: $240).
This amount is in addition to the $750 for
individual and $1,500 for family VUMC
contributes to your HSA. Note: Your Go for the
Gold wellness credit is included in the total HSA
contribution limits set by the IRS.
Wellness Credit Eligibility
The Go for the Gold Wellness Credit is available
only to employees who elect and pay for
the VUMC Health Plan, as health insurance
premiums fund the program.
If your spouse also works at VUMC,
waives Health Plan coverage, and is covered as
your spouse on the VUMC Health Plan, they are
not eligible to receive the Wellness Credit.
Learn more at:
hr.vumc.org/benefits/gftg-faqs
Participate in Go for the Gold by going to:
vumc.org/health-wellness/healthplus/
go-for-the-gold
18
Education Assistance
Staff
Staff may be reimbursed for 70 percent of tuition cost for one course of up to three credit hours (undergraduate or graduate-
level) per semester taken at any accredited college or university in the United States (not to exceed 70 percent of Vanderbilt
tuition for a similar course). Department manager approval is required. You must receive a grade of ‘C’ or better. Eligibility
starts with the semester beginning three months after your hire date. See the Education Assistance Programs policy on the
PolicyTech website for details.
College Coach
Benefits-eligible employees can access
a College Coach from a team of college
admissions and finance expert at our
tuition processing vendor, EdAssist. They
can help you plan for college costs and
maximize your child’s academic success.
You can talk one-on-one and get expert
advice on a range of topics, from how to
search for scholarships to how to write a
college admissions essay.
Nurse Student Loan
Repayment Program
Vanderbilt University Medical Center
(VUMC) offers a student loan
repayment program for direct care
nurses in eligible job codes. VUMC
will contribute $500 monthly towards
undergraduate student loans for those
in good standing. Eligible direct care
nurses can participate in this program
for four years with a maximum amount
up to $24,000. Nurses are eligible
to participate in the program after 3
months of full-time employment with
VUMC clinics and hospitals or VHCS.
Public Service Loan
Forgiveness
The PSLF program forgives the remaining
balance on direct loans after borrowers
have made 120 qualifying payments
under a qualifying repayment plan while
working full-time for a U.S. federal, state,
local or tribal government or a not-for-
profit (501(c)3) organization. Vanderbilt
University Medical Center is an eligible
employer, allowing employees to qualify
for PSLF. For more information, contact
the Workday Help Center.
How to Access your Benefits
For more information about how to enroll/apply and to access the EdAssist portal at
hr.vumc.org/benefits/tuition.
19
Year Non-exempt employees Exempt employees
1
(date of hire to 1st anniversary)
200 hours 30 days
Standard
hours
Allotment
30 or more 100 percent
20 to 29 75 percent
10 to 19 50 percent
Less than 10 25 percent
New/Transfer Employees: exPTO Allotment
If your start date is after July 1, visit the HR website for a prorated exPTO allotment
chart.
hr.vumc.org/secure/flexpto-medicalcenter
flexPTO
Current Employees: exPTO Allotment
If you are a current, full-time employee, you will receive the following allotment of time.
Note that the time is based on years of service on July 1 of the current scal year.
VUMC also offers options for
leave, including:
• FMLA
• Non-FMLA
• Parental leave
• Bereavement
• Jury duty
• Military leave
See vanderbilt.policytech.
com for details.
flexPTO Donate
Employees can donate up to 40 hours of flexPTO to a colleague who is
experiencing a hardship due to a qualifying serious personal or family medical
situation through the flexPTO Share program.
Visit hr.vumc.org/secure/flexpto-medicalcenter for details.
Prorating exPTO
allotment based on
standard hours
If you work less than 40 hours
per week, your time will be
pro-rated as follows:
VUMC’s flexPTO program provides eligible
staff* with a flexible bank of time off that
can be used for vacations, holidays and
brief illnesses.
Flexible paid time off programs are valued
in many organizations because they meet
the needs of today’s diverse workforce,
offering staff choice and flexibility at every
life phase. The VUMC flexPTO program
is a use-it-or-lose it program, meaning
unused hours do not roll over to the next
fiscal year and are not paid out if you
leave VUMC.
The amount of time off is based on your
years of service and Fair Labor Standards
Act job status (exempt or non-exempt).
VUMC staff receive an allotment of time
at the beginning of each fiscal year to use
over the next 12 months. Each fiscal year
runs from July 1 to the following June 30.
Staff in their first year of service should
refer to the charts below for flexPTO
allotments.
See the flexPTO program guide for the
Medical Center for complete program
details and to see how much time
you will receive in future years. Learn
more at hr.vumc. org/secure/flexpto-
medicalcenter.
VUMC also provides a two-week paid
parental leave for eligible birth parents,
spouses to birth parents, and adoptive
parents. This paid leave can also be used
during the waiting period for short-term
disability, if you elect to enroll in this
coverage.
* Employees in positions covered by the collective
bargaining agreement shall refer to the exPTO
chart in the agreement for accrual time.
Fully benets-eligible sta
can receive two weeks of
paid parental leave following
the birth or adoption of a
child. This paid leave can be
used during the two-week (14
calendar day) waiting period
for short-term disability.
20
Glossary of Terms
Bundles
VUMC employees and their dependents in the
VUMC health plans are eligible to participate in the
MyHealthBundles program, which bundles all the
services you need to manage both common and
complex health conditions, with little to no out-of-
pocket costs.
Copay
A copay is what you will pay for an office visit. Aetna
Plus and Aetna Select members pay a $25 copay for
office visits and a $5 copay for telehealth visits with
VUMC providers.
Deductible
A deductible is the amount you pay before the health plan
starts to cover more of the costs.
E.O.B.
The Explanation of Benefits details how much of a
doctor or hospital visit was covered by your VUMC
health care insurance and how much you are required
to pay.
F.S.A
A flexible spending account allows you to increase
your take-home pay by decreasing your taxable
income using tax-free dollars to pay for eligible out-
of-pocket medical, dental and vision expenses and/or
dependent day care expenses.
Health Plan
A health plan provides comprehensive health care services
to its members. VUMC offers three health plan options:
Aetna Plus, Aetna Select and Health Savers. The Health
Savers plan is a high-deductible plan and includes a Health
Savings Account (HSA).
Network
A network is a group of physicians, hospitals, and other
health care providers that have agreed to provide medical
services at pre-negotiated rates. VUMC’s health plan
options have three networks: VUMC/VHAN Affiliates,
which offers maximum savings; Aetna Preferred Providers,
which offers modest savings; and Out-of-Network, which
has the highest deductibles and out-of-pocket maximums.
Out-of-Pocket Maximum
The out-of-pocket maximum is the most you will have to pay
for covered health care services within a benefits plan year.
Premium
A premium is what you pay each month to be in the health
plan. Premiums are deducted from your paycheck. At
VUMC, health care premiums are based on salary bands and
increase as your salary increases.
P. P.O
A PPO is a medical plan with coverage provided to
participants through a network of selected health care
providers, such as hospitals and physicians.
To make the best health care choices, it can be helpful to know the lingo. Below are some common benefits terms
and their definitions.
