Transparency in Coverage Machine Readable Files
This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
https://www.anthem.com/machine-readable-file/search
EAST KENTUCKY POWER COOPERATIVE BENEFITS
IMMEDIATE BENEFITS UPON EMPLOYMENT:
Section 125 Cafeteria Plan (Flexible Spending Accounts):
Allows employee to pay medical premiums, dependent dental and vision plan premiums, unreimbursed medical, dental and vision expenses as well as dependent care expenses from pre-tax dollars. Employee may enroll or re-enroll for the following year during open enrollment in November.
Medical:
EKPC offers a Preferred Provider Organization (PPO) Plan with an HRA. EKPC also offers a high deductible health plan (HDHP) with a Health Savings Account (HSA).
Rates are taken from 24 paychecks on a pre-tax basis. See the medical summary of benefits below for rates and coverage details.
[For employed spouses to be covered without limitations on the EKPC plan, they are required to participate in their employer’s group medical insurance plan as primary coverage. Single coverage on the spouse is all that is required, spouses do not have to enroll in family coverage. Does not apply to spouse working part-time]
NOTE: If employee has 20 years of service at retirement, EKPC will pay 50% of their retiree medical premium until the retiree reaches age 65. At that time, Medicare will become primary for the retiree’s claims and coverage through EKPC will end for retiree, covered spouse can remain on medical until they turn 65 and children until they turn 26.
Prescription Drug Program:
This benefit is included in the medical plan and allows employees and eligible dependents to purchase prescription drugs through participating pharmacies or by mail order. See the attached Summary of Medical Benefits Comparison for co-pays.
Health Reimbursement Account (HRA):
EKPC offers a HRA to employees that participate in the PPO medical plan and wellness program.
Dental Insurance:
EKPC offers Delta Dental for dental coverage. See the Summary of Dental Benefits below for premiums and basic coverage.
The dental deductible is $25 per individual, no more than $50 per family per year. The maximum benefit per year per participant is $1,500. Claims are reimbursed at the following rates for reasonable and customary eligible expenses:
Preventive - 100% (not subject to deductible) which includes cleanings, x-rays and exams
Routine - 90% which includes fillings & root canals
Major Restorative - 60% which includes crowns, partials or dentures, and implants.
Orthodontic coverage until age 19.
Employees can change dependent coverage during open enrollment in November.
*Rates are based on 24 pay periods on a pre-tax basis.
Vision Insurance:
See the Vision Summary of Benefits below for premiums and basic coverage.
The vision plan does not cover special types of lenses such as anti-glare, anti scratch, tint etc. Progressive lenses (no line bifocals) are covered.
*Rates are based on 24 pay periods on a pre-tax basis.
NOTE: If the employee does not elect coverage on self &/or any dependents when they first become eligible(and remain in the plan), certain benefit restrictions apply for the first 12 months an employee or eligible participant is brought into the plan for the first time.
Business Travel Insurance:
$100,000 – Benefit payable upon death if employee was traveling on EKPC business.
Employee Assistance Program:
A confidential counseling program available to employees, their spouse and eligible dependent children for issues such as: divorce, marital problems, depression, drug or alcohol abuse, financial difficulties. Participants are allowed eight free visits per year, per individual, per issue.
Homestead Funds:
An employee after-tax savings plan to establish regular savings account, IRA, or ROTH IRA.
Sick Leave:
Available the first day the employee starts to work. Employees earn one day of sick leave per month of employment during the first calendar year of employment. (Example) if an employee starts to work in June of 2015, they would be eligible for seven days of sick leave the first day they started to work, however, they only earn one day per month. For example that if they take 7 days of sick leave before December of 2015 and are off sick for 3 days in December, they will not be paid for those 3 days because they had already used their sick leave for the year. On January 1, 2016 the same employee would be eligible for 12 days of sick leave for the year 2016. Sick leave will continue to accumulate. Twenty-four hours may be used as twenty-four hours Personal Time per year (employees are eligible after completing six months of employment).
Vacation:
New employees are eligible for vacation with no waiting periods. 80 hours of prorated paid vacation the first year of employment. Then January 1, of the following year 80 hours of paid vacation. Starting January 1, of the second full calendar year of employment employees will start earning an additional 8 hours each year until they reach the maximum of four weeks (160 hours).
Effective January 1 of the second calendar year of employment, the accrual is as follows:
|
Full Calendar Year of Employment Completed |
Vacation Earned |
|
1st |
80 hours |
|
2nd |
88 hours |
|
3rd |
96 hours |
|
4th |
104 hours |
|
5th |
112 hours |
|
6th |
120 hours |
|
7th |
128 hours |
|
8th |
136 hours |
|
9th |
144 hours |
|
10th |
152 hours |
|
11th and after |
160 hours |
Employees can carry over 120 vacation hours into the next year. The payroll period date nearest the employment or separation date, as the case may be, shall be used as the basis for computing vacation days.
Employees Association:
An association that acknowledges significant events in an employee’s life such as birth, marriage, etc. Employees may join the association by paying an annual $10.00 membership fee.
Jury Duty:
If you are called to jury duty you will be excused from work for the required period of time.
Military Leave:
EKPC’s policy is consistent with the requirements of local, state and federal laws governing employees entering and returning from military service.
Funeral Leave:
Time off varies from 1-3 days depending on employee’s relationship to deceased.
Dues and Professional Fees:
(Civic or Professional Organizations)
Health & Wellness Activities:
Educational information is made available to all employees.
Social Activities:
Recreational activities (from summer picnics, volleyball, basketball, to children’s Santa parties) are posted for employee participation at each location.
Holiday Pay:
Nine days per year - New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day & Friday following Thanksgiving, Christmas Eve, Christmas Day, and a Floating Holiday (taken at employee’s discretion after completing six months of employment).
Allstate Cancer Insurance:
Employee, spouse or dependents may purchase at employee’s cost through payroll deduction. (Employee may only purchase at time of employment or during the open enrollment period in November.)
Allstate Accident Plan:
Employee, spouse or dependents may purchase at employee’s cost through payroll deduction. (Employee may only purchase at time of employment or during the open enrollment period in November.)
Benefits available after thirty days employment:
401K Pension Plan:
This plan allows employee to contribute by payroll deduction starting the first of the month following the one month waiting period. Employees’ contributions can be before tax and/or after tax. Employer contributions begin the first of the month after a three month waiting period.
Benefits available after ninety days employment:
Educational Assistance Program:
This is a tuition reimbursement program which pays tuition for formalized course studies at accredited institutions and distance learning programs.
Benefits available after 3 months employment:
Provided at no cost to the employee.
Basic Group Term Life Insurance and AD&D for Employee -
two times annual base salary, rounded to next $1,000
NOTE: If employee has 20 years of service at retirement, EKPC will pay 50% of their $10,000 retiree life insurance premium
Dependent Group Term Life Insurance
$10,000-spouse
$10,000-children up to age 26
Additional Life Insurance and AD&D for employee, spouse or dependents may be purchased at employee’s cost through payroll deduction. (Employee may only purchase at time of employment or during the open enrollment period in November.)
Short Term Disability:
This benefit provides 2/3 of an employee's base salary in effect on the date of disability after a 14 day waiting period and after all paid sick leave is exhausted. This benefit pays until the employee returns to work or when long term disability begins, whichever occurs first.
Long Term Disability Insurance:
This benefit provides 2/3 of an employee’s base salary in effect on the date of disability. Benefits will be coordinated with Social Security, workers’ compensation, and retirement benefits. This coverage begins after a 3 month waiting period.
401k Pension Plan:
This retirement plan is funded by employer contributions and also employee contributions by payroll deduction. Employer contributions begin after the first of the month following the three month waiting period.
EKPC will fund 6.5% of the employee’s base wages into their 401k account.
EKPC will also match 100% of the employee’s contribution up to 4.5% of base salary.
NOTE: Approved rollovers from a previous employer’s qualified pension plan(s) are allowed prior to completing the eligibility period.
Drug Free Workplace Policy:
(Administrative Policy A015) Prohibits employees from using, possessing, distributing and being under the influence of illegal drugs and/or alcohol in the workplace.
A corporate-wide random drug testing policy went into effect starting in April 2001. The number of random drug tests conducted annually will be equal to at least 25% of the number of employees. The number of random alcohol tests conducted annually will be equal to at least 10% of the number of employees.
The policy also includes pre-employment drug testing, accident testing, reasonable suspicion testing, and rehabilitation and treatment.
Medical summary of benefits
Medical Plan PDF
HDHP Medical Plan Comparison
HDHP Medical Plan PDF
Dental summary of benefits
Dental Plan PDF
Vision summary of benefits
Vision Plan PDF