Chadron Hospital recognizes that our employees are our greatest asset, and your dedication to our mission and values is what drives our success. It’s our people who set us apart and give us a competitive edge. We are proud to offer a comprehensive benefits package designed to support you and your family, reflecting our commitment to being one of the top employers in our community.
Employees are eligible through full-time and part-time employment status after a 60-day waiting period.
Below is an overview of our self-funded health insurance program:
- Health Plan Administered by First Choice Health
- Flexible Spending Account (FSA) through Health Equity
- Health Savings Account (HSA) through Health Equity
- Dental Administrator through Mutual of Omaha
- Vision Administrator through Mutual of Omaha
- Group Voluntary Benefits through Mutual of Omaha
- VOYA retirement plan (includes employer match once eligibility requirements are met
WHO IS ELIGIBLE?
Full-time employees actively working at least 30 hours per week; part-time employees working 20 hours or more per week. Following 60 days of employment, you are eligible to enroll the first day of the following month for medical, dental, vision, accident, and critical illness benefits. Full-time employees are eligible for basic life and AD&D, voluntary life and AD&D, and long-term disability the first of the month following a 90-day waiting period.
Your spouse and children up to age 26 are also eligible. If you have a dependent that is currently covered, their coverage will terminate the last day of the month in which they turn 26 years old.
WHEN CAN I ENROLL?
You can sign up for benefits at any of the following times:
- After completing your eligibility period
- Within 30 days of a qualified family-status change
- With a qualifying life event such as birth/adoption of a child, marriage, divorce, involuntary loss of other
coverage, etc. - During open enrollment, which is November 10 – November 21, 2025
If you do not enroll at the above times, you must wait for the next annual open enrollment period.
For additional information, please contact Human Resources at 308-747-2462 or lacy.cleveland@chadronhospital.com
Medical Plans - First Choice Health
This is a self-funded benefit plan coming within the purview of the Employee Retirement Security Act of 1974 ("ERISA"). The Plan is funded with employee and/or employer contributions. As such, when applicable, Federal law and jurisdiction preempt State law and jurisdiction.
Chadron Hospital provides a PPO plan and a high deductible health plan.
UNDERSTANDING YOUR NETWORK OPTIONS:
*TIER 1
Chadron Hospital & Physicians
Chadron Medical Clinic
Casper Medical Imaging
Midwest Network Alliance (MNA)
**TIER 2
Midlands Choice, First
Choice Health Network,
and Multiplan Network
***TIER 3
Out of Network
Dental & Vision Insurance - Mutual of Omaha
Dental - Plan Benefits
Benefit Year Maximum $1,000
Deductible – Individual $50
Deductible – Family $150
Type A Deductible waived, covered at 100%
Type B Plan Pays 80% After Deductible
Type C Plan Pays 50% After Deductible
- In-network providers offer services at pre-determined fees so your out-of-pocket expenses are lower when receiving services from them.
- Out-of-network providers are reimbursed at a maximum allowance determined by Mutual of Omaha. Charges that exceed the maximum allowance for any covered dental services are not covered.
Vision - Plan Benefits
Exam $0 Copay Up to $45
Frames $0 Copay, $130 Allowance +20% off balance Up to $58
Lenses
Single Vision $0 copay, Up to $56
Bifocal $0 copay, Up to $84
Trifocal $0 copay, Up to $84
Lenticular $0 copay, Up to $56
Contact Lenses
Conventional $0 copay, $130 allowance + 15% off balance, Up to $89
Disposable $0 copay, $130 allowance Up to $104
Medically Necessary $0 copay, paid in full Up to $210
Frequency
Exams Once every 12 months
Lenses or Contacts Once every 12 months
Frames Once every 24 month
Retirement Program - VOYA
Fully administered retirement program established August 1, 1974, which falls under Sections 403(b) of the Internal Revenue Code.
Chadron Hospital wants to help you with retirement readiness and offers a retirement plan to help prepare for your future. The plan is administered by Voya. For a complete description of the plan’s eligibility and implementation, contact Human Resources for the Summary Plan Description.
Employee Deferrals
- Eligibility - Upon date of hire
- Contributions -Maximum voluntary contribution is 100% of your earnings or $24,500 for 2026, whichever is less. Participants ages 50 and older may make a catch-up contribution of an additional $8,000.
Employer Match
- Eligibility - Employees are eligible for the matching program after one year of service, working 1,000 hours or more per year.
- Contributions - Chadron Hospital matches your contributions up to 3%.
Vesting
- Employee Deferrals - You are always 100% vested in your contributions, plus earnings.
- Employer Match - Contributions made to the plan by your employer, plus earnings, are subject to the following vesting schedule:
- Less than 2 years of service – 0%
- 2 years of service – 20%
- 3 years of service – 40%
- 4 years of service – 66-2/3%
- 5 or more years of service – 100%
Term Life Insurance and AD&D - Mutual of Omaha
Chadron Hospital provides Life/AD&D at no cost to eligible full-time employees.
Plan Design – Life
- Benefit Amount – Employee 1 x basic annual earnings to a max of $225,000
- Benefit Amount – Spouse $5,000
- Benefit Amount – Child(ren)
- Six months and older: $5,000
- 14 Days to less than six months: $2,000
- Less than 14 days: $2,000
Plan Design – AD&D
- Maximum Benefit Amount - $225,000
Plan Provisions
- Benefit Reduction - The original amount reduces to:
- 65% at age 70
- 50% at age 75
- Other Features - Conversion & portability
- Current Employer Contribution - 100% paid
Voluntary Term Life and AD&D - UNUM
Eligibility: All active employees working at least 30 hours per week and their eligible spouses and children (up to age 19, or to age 26 if they are full-time students.)
Long-Term Disability Plan - Mutual of Omaha
Full time employees working a minimum of 30 hours per week are eligible for long-term disability.
Premiums are paid by Chadron Hospital.
Accident Plan - Mutual of Omaha
This insurance pays a benefit for each injury, treatment, or service included in the policy that occurs as result of a covered accident. Accident benefits pay in addition to other insurance and can be used to help cover gaps in health insurance or other expenses if the unexpected happens.
Critical Illness Plan - Mutual of Omaha
A critical illness policy provides a lump-sum cash benefit upon diagnosis of a critical illness like a heart attack, stroke, or cancer. The benefit can be used to pay out-of-pocket expenses or to supplement your daily cost of living.
Flexible Spending Account (FSA) - Health Equity
A flexible spending account (FSA) is a special account you put money into that you use to pay for certain out-of-pocket healthcare costs.
Here’s how an FSA works:
- You set aside money for your FSA from your paycheck before
taxes are taken out. - You then use your pre-tax FSA funds throughout the plan year to
pay for eligible healthcare or dependent care expenses. - You save money on expenses you’re already paying for.
Health Savings Account (HSA) - Health Equity
Similar to a healthcare FSA, an HSA allows you to fund your out-of-pocket medical, dental, and vision expenses—such as deductibles and copays—with pre-tax dollars, saving you a minimum of $0.23 per dollar because you do not pay federal income tax or FICA tax on contributions. There are no “use it or lose it” rules for HSAs—full funds roll over from year to year, making it a great way to save money for future medical expenses. Furthermore, HSA funds can be invested in the market with tax-free earnings to help supplement your retirement.
Before contributing to an HSA, here are a few things you should know:
- The amount you contribute to an HSA is deducted
from your paycheck before income taxes. - Any money left in the account at the end of the
year will roll forward to the next year. - You may no longer contribute to your HSA
beginning with the first month you are enrolled in
Medicare. - If you are an eligible individual who is age 55 or older at the end of the tax
year, you may contribute an additional $1,000 as a catch-up contribution
each year.
SINGLE - Chadron Hospital contributes $46.15 per pay period. Annual maximum contribution is $4,400.
FAMILY - Chadron Hospital contributes $46.15 per pay period. Annual maximum contribution is $8,750.
For a full benefits summary packet, please contact Human Resources at 308.747.24662 or email lacy.cleveland@chadronhospital.com