Presbyterian

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    Presbyterian Healthcare Services envisions a healthy New Mexico. Learn more about the priority health issues facing each of our communities identified in our most recent Community Health Assessment.

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We’re the Employer You’ve Been Looking For

​​​Presbyterian is known for its attention to employee benefits. The following is a summary of the benefits currently available to full-time employees (40 hours per week) and part-time employees (18 hours or more per week) and their eligible dependents, including domestic partners.

Presbyterian Offers Three Medical Plan Options

  • Copay Plus and Copay Standard Plan (HMO): consists of copayments for most services, deductible and coinsurance; in-network only plans.
  • High Deductible Health Plan: provides in-network and out-of-network coverage and qualifies you for a Health Savings Account, includes an employer contribution. You are responsible for all medical expenses up to the deductible at "allowable" contracted rates. Once you meet your deductible, you will have to pay coinsurance of 20 percent up to your out-of-pocket maximum.
  • ​All plans cover preventive care services at 100 percent.
  • Employees must attest to tobacco usage at the time of enrollment.
  • Medical premiums are based on a 5-tier salary structure, and tobacco user rates.

Delta Dental of New Mexico

Offers preventive and diagnostic dental coverage through the Delta Dental's Advantage Network. You can choose from two dental plans:

  • Standard Dental Plan
    • Covers preventive, restorative, basic, major and orthodontic services
    • Calendar year deductible: $60 per person
    • Annual maximum benefit: up to $1,500 per person
    • Orthodontia lifetime maximum: up to $1,500 per person
  • Option Dental Plan
    • Covers preventive services and dental fillings only
    • No deductibles or plan maximums
    • Requires a two-year enrollment commitment

To find a participating PPO dentists, visit www.deltadentalnm.com.​

EyeMed

Presbyterian employees may also enroll in the EyeMed vision plan. This plan uses the Insight​ network of vision providers who provide care and materials at a lower cost.

For a list of providers, visit www.enrollwitheyemed.com

The EyeMed plan includes coverage for:

  • Eye exams
  • Eyeglasses
  • Contact lenses
  • Laser vision correction discount​

Flexible Spending Account Information​

Flexible Spending Accounts (FSAs) can help you pay for out-of-pocket expenses incurred throughout the benefit plan year for you and your eligible dependents. Your FSA election is a pre-tax deduction from your paycheck, and a great way to pay for out-of-pocket expenses and reduce your taxable income. FSAs are subject to the use-or-lose rule, meaning that any account balances left at the end of the year were forfeited. ​

  • Healthcare Flexible Spending Account is a pre-tax employee funded account that allows you to use pre-tax dollars to pay your share of eligible healthcare expenses not covered by your medical, dental, or vision plan.
  • Dependent Daycare Flexible Spending Account allows you to use pre-tax dollars for daycare expenses for your children under age 13. The maximum annual contribution is $5,000 and limits may apply to highly compensated employees.
  • Limited Purpose Flexible Spending Accounts are for employees who are enrolled in the High Deductible Health Plan (HDHP). This account allows you to be reimbursed for dental or vision expenses prior to meeting your deductible, once you meet the statutory minimum deductible you are eligible for Medical reimbursement.

Health Saving Account (HSA) Information

An HSA is a tax-exempt account tied to a High Deductible Health Plan (HDHP) that you may use to pay for qualified medical, dental or vison expenses (current and future) for you, your spouse and any eligible dependents. You are automatically enrolled in a HealthEquity HSA if you elected the HDHP. The HSA is used to cover eligible expenses not covered by the HDHP, including the deductible.

  • HSA balances belong to you, not to Presbyterian, even when you are no longer employed by Presbyterian.
  • You are responsible for ensuring your contributions do not exceed 2018 IRS limits:
    • Employee only: $3,450
    • Employee + child or children, employee +spouse or employee + family: $6,900
    • Employees 55 or older can contribute an additional $1,000

Voluntary Benefits

The following voluntary benefits are insured and administered through Aflac® and can help you offset out-of-pocket medical expenses. They are designed to protect your finances and secure a comfortable future by paying benefits directly to you or to your beneficiaries. Presbyterian offers three kinds of voluntary benefits:

  • Critical Illness Insurance
  • Accident Insurance
  • ​Hospital Indemnity

Disability Coverage

Disability Coverage
Presbyterian provides short-term and core long-term disability benefits at no cost to you, if you are eligible.

Short-Term Disability (STD):
All regular employees in a FTE position of 0.1 to 1.0 are eligible after completing one consecutive year of service prior to the onset of the disability, if the employee agrees to be case managed.

  • Provides partial income replacement pay for Presbyterian employees during absences due to certain non work-related injury, day surgery, hospitalization, major illnesses or medical conditions that keep the employee out of work, or leave the employee unable to perform one or more essential job functions for longer than one consecutive work week.
  • Benefits are paid at either 70 or 80 percent pay based on years of service

Long-Term Disability (LTD):
Presbyterian automatically provides Core Long-Term Disability (LTD) coverage of 40 percent at no cost to you if you are benefit eligible. Long-term disability coverage provides a benefit in the event that you become disabled and are unable to work after 90 days of disability.

You can purchase additional LTD coverage through our buy up coverage option. The buy up option provides an additional 20 percent of coverage (for a total LTD coverage of 60 percent). Coverage and premium amounts are based on your salary. This schedule shows the LTD benefits available to you.

BenefitBenefit AmountMaximumPaid By
Core Monthly Benefit40% of base salary$5000PHS
Optional Buy Up20% of base salary$2500You
Total BenefitUp to 60% of base salaryUp to $7500Shared Cost

Life Insurance

Life insurance provides a benefit in the event of your death or the death of your covered dependents.

Type of Coverage Election Who is Covered? What is the coverage amount? Who Pays?
Basic LifeAutomatic CoverageYou only1x your Basic Annual Earnings
(min. = $15,000
max. = $750,000)
Presbyterian
Business TravelAutomatic Coverage for All employeesYou only$250,000Presbyterian
Supplemental LifeOptionalYou 1x – 5x your Basic Annual Earnings
(max. = $750,000)
You
Supplemental LifeOptionalYour Spouse or Domestic Partner1x – 3x your Basic Annual Earnings not to exceed your coverage (max. = $375,000)You
Dependent LifeOptionalChild(ren) only$5,000You
Accidental Death & Dismemberment (AD&D)OptionalYou only, You and your Spouse or Domestic Partner, You and your Child(ren), or You and the entire Family1x – 9x your Basic Annual Earnings
(max. = $750,000)
You

Retirement - Shared Security Savings Plan

Presbyterian offers a Shared Security Savings Plan where you can contribute pre-tax or after-tax dollars toward your retirement – directly from your paycheck.

In addition to the contributions you make to your plan, there are two types of contributions Presbyterian will make, if you're eligible.

  • Matching contributions
    Presbyterian will match 50 cents for each dollar you put in the plan, up to the first four percent of pay that you contribute. For example, if you contribute four percent of your pay, Presbyterian will contribute an additional two percent.
  • Graded contributions
    The graded contribution is in addition to the matching contribution, even if you don't contribute your own money to the Shared Security Plan. Presbyterian makes this contribution after the end of each plan year. If you remain employed on December 31, 2018, you would receive a graded contribution for the 2018 calendar in early 2019.

The amount of Presbyterian's contribution is based on your years of service. To receive matching or graded contributions, you must work 1,000 hours and be an active employee on December 31 in each calendar year. The contributions are credited to your account in the first quarter of the following year.

Paid Time Off (PTO)​

  • PTO must be used for any time away from work. This includes vacations, holidays, personal business, sick leave, and bereavement.
  • PTO for full and part-time employees begins accruing on your first day of employment and continues to your final day of employment. However, certain types of leaves of absence will stop your accrual of PTO.
  • You may begin using PTO as soon as it is accrued.
  • If you do not have any PTO and need time off, you must get supervisor approval. Your time away from work will be unpaid.
  • If you are a part-time employee, your PTO accrual is prorated according to the actual numbers of hours worked per pay period.
Accrual RatePTO Eligibility
Based on Years of Service
Accrual Amount
Hours/yr and Hours/pp
1< 5200 hours per year or 7.69 hours per pay period
25 - < 10240 hours per year or 9.23 hours per pay period
310+280 hours per year or 10.77 hours per pay

Holidays

Presbyterian recognizes the following holidays:

  • New Year's Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Thanksgiving Day
  • Christmas Day

Domestic Partner Benefits

In order to be eligible for domestic partner benefits you must meet the definition of a domestic partner: two unmarried individuals in a long-term relationship, with mutual commitment of responsibility to each other's welfare with shared financial obligations.

You also must be able to certify and declare under oath by submitting a signed, notarized affidavit and supporting documentation that you and your domestic partner are in accordance with all of the criteria.

Qualifying Criteria:

  • Must be unmarried, in an exclusive living relationship for the last 12 months and share the same primary residence.
  • Must meet the age and mental competency as required by the State of New Mexico and must not be related by blood.
  • Understand tax consequences: The values of insurance benefits provided are considered taxable income to the employee by the Internal Revenue Service and are subject to social security, federal, and state income tax withholdings.
  • Premiums are calculated as follows:
    • Pre-tax (employee only premium)
    • After-tax (domestic partner premium)
    • The Fair Market Value (FMV) of the benefit is taxable to the employee
    • Must be reported on your W-2

Other Benefits

  • Shift differentials for nights, weekends and permanent weekends
  • Malpractice and general liability insurance
  • Relocation bonus (for certain positions)
  • Employee Assistance Program (EAP)
  • Professional nursing career path
  • Free membership to the Presbyterian Healthplex

Educational Assistance

Educational assistance is available for certain critical shortage positions. The annual reimbursement for each approved participant will be set at a flat amount for allowable tuition expenses based on program criteria.​​