ELIGIBILITY
Your eligibility for certain benefits depends on your employment status, and when you can enroll for some benefits is limited to the Annual Enrollment period.
ELIGIBILITY BY BENEFIT PLAN OPTION
| Benefit | Eligible Team Members | Details | ||
|---|---|---|---|---|
| Medical Plans | X | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. |
| Dental Plans | X | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. |
| Vision Coverage | X | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. |
| Behavioral Health | X | X | X | You do not have to enroll; we provide this benefit at no cost to you. |
| Health Savings Account (HSA) | X | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. However, your HSA contributions don’t automatically increase each year. If you would like to maximize your HSA contributions, you must enroll and select a new contribution amount during Annual Enrollment. |
| Health Care (including Limited Purpose) and Dependent Care FSAs | X | X | X | You must enroll during each enrollment period to receive this coverage. |
| Lifestyle Spending Account (LSA) | X | X | X | You do not have to enroll; we provide this benefit at no cost to you. |
| Employee Assistance Program | X | X | X | You do not have to enroll; we provide this benefit at no cost to you. |
| Basic Life and AD&D Insurance | X | X | You do not have to enroll; we provide this benefit at no cost to you. | |
| Supplemental Employee Life Insurance | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. | |
| Spouse and Child Life Insurance | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. | |
| Short-Term Disability | X | X | X | You do not have to enroll; we provide this benefit at no cost to you. |
| Long-Term Disability Insurance | X | X | You do not have to enroll; we provide this coverage at no cost to you. During the enrollment period, you may elect to pay taxes on the premium to avoid taxes on any potential benefit you may receive. | |
| Legal Assistance | X | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. |
| Auto and Home Insurance | X | X | X | You may enroll at any time, and you do not have to re-enroll each enrollment period. |
| Pet Insurance | X | X | X | You may enroll at any time, and you do not have to re-enroll each enrollment period. |
| Identity Theft Protection | X | X | X | Current benefit elections will remain the same for the 2024–2025 plan year. |
| Children’s Mercy Discount Program | X | X | X | You may register at any time. |
| 403(b) Tax Deferred Annuity Retirement Plan | X | X | X | You are automatically enrolled on your first day of employment with a 3% employee contribution. You can update your contribution election at any time. |
| 401(a) CM Retirement Plan | X | X | X | You will be automatically enrolled once you meet the eligibility requirements. |
EMPLOYMENT STATUS
- Full-time employees are scheduled to work at least 60 hours each pay period.
- Part-time benefits-eligible employees are scheduled to work between 48 and 59 hours each pay period.
- Weekend option employees are scheduled to work at least 48 hours each pay period. (Weekend option employees scheduled to work at least 60 hours each pay period are considered full-time employees.)
- Part-time employees are scheduled to work between 32 and 47 hours each pay period and may purchase medical and dental coverage at full cost.
COVERAGE LEVELS
We offer four coverage levels for the medical, dental and vision plans to help match your individual costs to the individuals covered under the plan:
- Employee Only provides single coverage for the team member.
- Employee + Child(ren) covers the team member and one or more eligible dependent children.
- Employee + Spouse covers the team member and their legal spouse.
- Family covers the team member, their legal spouse, plus one or more other eligible dependents, such as eligible children.
You must provide proof of dependent eligibility for any newly enrolled dependents. Acceptable proof of dependent status includes one of the following:
- Marriage certificate
- Birth certificate
- Adoption decree
- First page of tax return listing the name and Social Security number of the dependent (mask any unrelated information)
ELIGIBLE DEPENDENTS
Eligible dependents may be covered by your medical, dental and voluntary vision plans and the Flexible Spending Accounts, as well as spouse and child life insurance. Eligible dependents include:
- Your legal spouse.
- Your children under age 26, including:
- Natural children or children of your spouse while the marriage continues and there is no legal separation
- Adopted children
- Children for whom you are the legal guardian
- Your children age 26 and older who are incapable of self-support due to a mental or physical handicap. You must provide proof of the disability within 31 days of the date the incapacity began or the date the child becomes an eligible dependent — whichever is later.
- A child for whom you are required to provide health coverage due to a Qualified Medical Child Support Order (QMCSO). Please contact the applicable Family Support Division and have the division fax a copy of the QMCSO to the Human Resources Department at (816) 302-9851.
- Eligible dependents for the HSA include those claimed on your tax return only versus claimed as a dependent on another individual’s tax return.
Children’s Health Insurance Plan Provisions provide a special 60-day enrollment period for team members who have previously declined coverage but lose Medicaid or Children’s Health Insurance Plan eligibility. The same enrollment period is available to team members when they first become eligible for a state’s premium assistance program under Medicaid or the Children’s Health Insurance Plan.