Employee Benefits
At BayCare Clinic our staff is key to providing excellent administrative support and hands-on patient care. That’s why we’re committed to offering a comprehensive and competitive benefits package designed to support your health, financial security, and work-life balance—today and into the future.
Whether you're just starting your journey with us or have been part of the team for years, our benefits are built to grow with you. From health and wellness programs to retirement planning and career development, we’re here to help you thrive—both personally and professionally.
Explore the benefits that make BayCare Clinic a great place to work.
For a summary of your coverage and options, explore our easy-to-navigate benefit guides:
2026 Benefits Guide - FT Employees
2026 Benefits Guide - PT Employees
We provide comprehensive health insurance and pharmacy benefits to help you stay well, manage your care, and access the support you need—whenever you need it.
Links
Tier 1: BayCare Clinic Providers and The Aurora Network Providers
- Find a Tier 1 BayCare Provider
- Find a Tier 1 Aurora Provider - make sure to add BayCare Clinic Employee Plan under insurance when using this provider lookup
Tier 2: United HealthCare Options PPO Provider Lookup
UMR Website: www.umr.com - Logging into your UMR member account gives you easy access to your health benefits, claims, coverage details, and wellness resources—all in one secure, convenient place to help you stay informed and in control of your healthcare.
Pharmacy Website: https://www.caremark.com - By logging into your CVS Caremark account, you can easily manage your prescriptions, compare medication costs, track orders, and access personalized pharmacy support—making it simple to stay on top of your health and save time.
Documents
UMR Medical
UMR Summary Plan Description 2026
Black Plan Summary of Benefits and Coverage 2026
Blue Plan Summary of Benefits and Coverage 2026
Silver Plan Summary of Benefits and Coverage 2026
CVS Caremark (Please note that formularies and preventive drug lists are not customized for BayCare. As a result, they may show prescriptions and that are not covered and may not include all covered medications. To verify coverage for a specific prescription, log in to the website or mobile app.)
CVS Prestation Benefit Information
The Healthy Lifestyle Premium Discount Program (HLP) was implemented to promote health and wellness to our employees/physicians. The program also helps contain escalating healthcare costs to BayCare Health Plan members. This voluntary program is designed to assist Health Plan members to take ownership of their health and reward them for doing so.
2027 Complete Healthy Lifestyles Premium Discount Program
The HSA option gives you a smart, tax-advantaged way to save for healthcare expenses—helping you plan ahead, manage costs, and take control of your financial wellness. Available to part-time and full-time employees and partners enrolled in the Silver or Black Plan.
2027 Limits:
- Self-only coverage - $4,500
- Family coverage - $9,000
- 55 and older catch up - $1,000
Links
HSA Store - buy or look up HSA eligible items
Documents
Associated Bank HSA Plus Employee Guide
Healthcare FSA: Our Healthcare Flexible Spending Account (HCFSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses—helping you save money while managing out-of-pocket healthcare costs. Available to full-time employees enrolled in the Blue Plan. Partners are not eligible.
· 2026 Limit: $3,400 and a $680 rollover into 2027
Limited Purpose FSA: If you're enrolled in a Health Savings Account (HSA), our Limited Purpose FSA(LPFSA) gives you a tax-advantaged way to cover eligible dental and vision expenses—so you can maximize your savings while staying compliant with HSA rules. Available to full-time employees and enrolled in the Silver or Black Plan and an HSA. Partners are not eligible.
· 2026 Limit: $3,400 and a $680 rollover into 2027
Dependent Care FSA: Our Dependent Care Flexible Spending Account (DCFSA) helps you save on eligible childcare and eldercare expenses by using pre-tax dollars—making it easier to manage your family's care while reducing your taxable income. Available to all full-time employees with dependents under the age of 18 regardless of medical enrollment. Partners are not eligible.
· 2027 Limits:
o If you are single (or married & filing a joint federal tax return) you may contribute $7,500. You are limited to the amount of your annual earnings if you or your spouse earned less than $7,500 that calendar year.
o If you are married but filing separate federal tax returns you are limited to the lesser of $3,750 or your earned income.
Links
FSA Store - buy or look up FSA eligible items
Documents
Associate Bank - FSA Participant Guide
IRS Approved Healthcare Expenses
We offer dental insurance to help employees maintain their oral health, prevent costly procedures, and access quality care—because a healthy smile supports overall wellbeing and confidence, both at work and beyond.
Links
Delta Dental of Wisconsin Dental Insurance - Access your Delta Dental member account to view your coverage, find in-network providers, check claims, and manage your dental benefits—all in one easy-to-use online portal.
Documents
Delta Dental Summary Plan Description - Comprehensive
Delta Dental Summary Plan Description - Preventative
Delta Dental Comprehensive Plan
Group Life Insurance
We offer company-paid group life insurance equal to one times your annual salary (minimum $50,000, maximum $150,000) to provide financial peace of mind for you and your loved ones—helping protect your family’s future by offering coverage that supports them in the event of the unexpected.
Documents
MoO Group Life AD&D Certificate
Additional benefits Mutual of Omaha provides to BayCare Clinic Employees
Travel Assistance & Identity Theft
Voluntary Life Insurance
In addition to company-paid coverage, employees can elect voluntary life insurance for themselves, their spouse, and dependent children—providing extra financial protection tailored to your family’s needs and giving you greater peace of mind.
Documents
We offer short-term disability coverage to provide income protection if you're unable to work due to a non-work-related illness or injury—helping you focus on recovery without the added stress of lost wages. Available to full-time employees and partners.
Links
Documents
We offer long-term disability (LTD) coverage to help protect your income if you're unable to work for an extended period due to a serious illness or injury—providing financial stability and peace of mind when you need it most.
For employees, we provide company-paid group long term disability to all full-time employees. Partners and part-time employees are not eligible.
Links
Documents
Long-Term Disability Benefit Summary
Our physician-only LTD policy for Partners and Partner-Eligible Physicians includes an own occupation clause, ensuring that if you're unable to perform the specific duties of your medical specialty due to illness or injury, you’ll still receive benefits—even if you're able to work in another capacity.
Links
Documents
Accident Insurance provides additional financial protection by helping cover out-of-pocket expenses that can result from a covered accidental injury, such as emergency room visits, hospital stays, fractures, and other accident-related treatments. This voluntary benefit is available to all full-time and part-time employees, offering extra peace of mind when unexpected accidents occur.
Critical Illness Insurance provides a lump-sum cash benefit if you are diagnosed with a covered serious health condition, such as a heart attack, stroke, or cancer. This benefit can help offset medical expenses and everyday costs during recovery, giving you added financial support when it matters most.
Critical Illness Insurance Forms
Black Plan Critical Illness: Employees who elect the Black medical plan will automatically receive Critical Illness Insurance coverage, with the cost of the coverage fully paid by BayCare.
Black Plan Critical Illness Certificate
Black Plan Critical Illness Benefit Summary
Voluntary Critical Illness: This coverage is voluntary for all full-time and part-time employees who are not enrolled in a medical plan or who elect the Blue or Silver medical plan.
Life can throw unexpected legal challenges your way—whether it's dealing with a landlord dispute, creating a will, or navigating family matters. Legal insurance gives you access to professional legal advice and services at a fraction of the cost. It's like having a lawyer in your corner, without the hefty bill. Protect your future and reduce stress with coverage that’s there when you need it.
Links
Compare Legal Protection Plan Coverages - Code to get into the BayCare Site is 19328 bch
Documents
BayCare Health ARAG Policy - Ultimate Advisor
In today’s world, your personal information is everywhere—and that makes it vulnerable. Identity protection insurance helps safeguard your identity from theft, fraud, and misuse. With monitoring services, alerts, and expert support, you’ll have peace of mind knowing you’re covered if something goes wrong. It’s a smart way to protect your finances, your reputation, and your future.
Documents
Life doesn’t stop at the office door—and sometimes, we all need a little extra support. Our EAP offers free, confidential resources to help with personal challenges like stress, family issues, financial concerns, and more. Whether you need counseling, legal advice, or everyday guidance, EAP is here to help you navigate life’s ups and downs with confidence and care.
Aurora EAP Services – The Advocate Aurora EAP is available to employees and family members residing in their household. This is a free, confidential, and anonymous service.
Link
Advocate Aurora Employer Solutions
Documents
Planning for retirement starts now—and your 401(k) makes it easy. With automatic payroll deductions and employer matching, you can build long-term savings while enjoying tax advantages. Whether you're just starting out or thinking ahead, your 401(k) helps turn today’s contributions into tomorrow’s peace of mind. Your future self will thank you!
Link
Documents
Summary Plan Description 4/11/25
Smart Plan Enrollment - Associated Bank
Create or Edit Beneficiary Designation
Edvest is Wisconsin’s official 529 plan, helping employees save for education with tax advantages. Contributions grow tax-free and can be used for tuition, books, room and board, and more. Wisconsin residents may qualify for a state tax deduction on contributions (up to $5,130 per beneficiary in 2025). Contact our dedicated representative to learn more and start saving today.
Link
Welcome to the Edvest 529 College Savings Plan