For Employees

Choosing a health insurance plan can feel overwhelming, and it’s important to consider more than just the monthly premium. Eligible RCUH employees may choose to enroll in one of six medical plans (three HMOs and three PPOs) as well as one dental plan. Please review the resources below to compare costs and coverage details so you can select the plan that best meets the needs of you and your family.

RCUH Resources

• RCUH Monthly Health Insurance Premiums
• RCUH Medical Plan Comparison
• Benefits Spotlight: Healthcare Options (PPO vs HMO)
• Benefits Spotlight: Health Insurance Qualifying Life Event
• Health Enrollment/Change Form (B5H)

RCUH offers two types of retirement accounts:

• Supplemental Retirement Annuity (SRA) 403(b): employee-contributed, optional enrollment
• Group Retirement Annuity (GRA) 401(a): employer-contributed, automatic enrollment upon eligibility

Please see the following resources for more information:

• Benefit Spotlight: Retirement Accounts
• RCUH Guide to Benefits (see Retirement Accounts beginning on page 19)
• Financial Wellness

Learn about how you can save money on pre-taxed dollars on Flexible Spending Accounts (FSAs) for Healthcare or Dependent Care, and Pre-Tax Transportation Benefits Plan for Parking or Transit. FSAs could be one of the simplest solutions in saving money on everyday items you may already be purchasing.

To register and access funds:

• Set up an online account on the National Benefit Services (NBS) Web Portal
• Click Register on the home page and complete the required registration fields:
  • Employee ID: Your Social Security Number
  • Employer ID: NBS526587

Group Life Insurance
Offers eligible employees' beneficiary/beneficiaries important financial protection in the event an employee suffers death.

Group Long-Term Disability
Provides partial income to assist employees who are "disabled" for 90 days or more because of an illness or injury. Under the Long-Term Disability, employees also have access to the Employee Assistance Program (EAP). Services include support with mental, Financial, physical, and emotional well-being. See the resources below to learn more about these services through MetLife.

Resources:

• Metlife LTD and Life Advantages Flyer
• MetLife Employee Assistance Program (EAP) Flyer
• MetLife Empathy Leave Support Flyer
• MetLife Estate Planning Flyer
• MetLife Funeral Planning Flyer

Health & Well-Being:

• 3.520 RCUH Health Plans
• 3.520B: Addendum B - Health Insurance Offers under the ACA
• 3.530 RCUH Flexible Spending Plan
• 3.570 RCUH Long-Term Disability Insurance

Time Off, Life, and Family:

• 3.344 RCUH Holidays, Holiday Pay, and Administrative Leave
• 3.620 RCUH Vacation Leave
• 3.640 RCUH Sick Leave
• 3.672 RCUH Jury Duty Leave
• 3.670 RCUH Bereavement Leave
• 3.674 RCUH Military Leave
• 3.676 RCUH Blood Donation Leave
• 3.678 RCUH Administrative Leave for Parent-Teacher Conference
• 3.530 RCUH Flexible Spending Plan
• 3.660 RCUH Family Leave

Financial Well-Being:

• 3.560 RCUH Retirement Plans
• 3.540 RCUH Group Life Insurance
• 3.570 RCUH Long-Term Disability Insurance
• 3.545 RCUH Group Long-Term Care Insurance
• UH I.D. Card Discounts

Commuter Benefits:

• 3.530A Addendum RCUH Flexible Spending Plan

Career Development:

• 3.460 RCUH Tuition Expense Reimbursement
• RCUH Training Portal Course Catalog

• Enroll in Benefits:
  • Eligible hires will have an opportunity to elect for certain benefits upon completion of their electronic hire documents within the RCUH Electronic Hiring System (EHS).
  • Eligible employees may elect to enroll in certain benefits at any time throughout the plan year without experiencing a Qualifying Life Event (QLE). Please review the timing considerations in the RCUH Guide to Benefits to learn more.
• Change their Initial Enrollment:
  • Hires may request changes to their initial benefit elections by contacting the RCUH Employee Benefits section at [email protected] no later than the 20th of the month following their start date (e.g. hire date: 6/12/2026; deadline to request changes: 6/20/2026).
• Cancel their Enrollment:
  • Employees may request to cancel certain benefits at any time during the plan year (RCUH Plan Year: July 1st - June 30th). Please keep in mind re-enrollment may be limited to a Qualifying Life Event (QLE) or the annual RCUH Open Enrollment period.

Taking unpaid leave can impact employee benefits.

• Medical and Dental (premiums deducted in the 2nd pay period of each month):
  • If employees take unpaid leave and do not have enough earnings to cover their premiums, their coverage will be terminated until they return to work in a full capacity.
    • Reinstatement following return to work is not automatic. Employees would need to provide enrollment paperwork to the RCUH Employee Benefits team within 30-days of their return.
• FSA Healthcare:
  • If employees take unpaid leave and do not have enough earnings to cover their pay period contribution, RCUH will be required to back-collect the missed contributions upon their return to work.

Employees are encouraged to review their benefits whenever an FTE change or unpaid leave occurs, and contact the RCUH Employee Benefits team with any questions/concerns.