Employee Benefits and Services
Effective January 1, 2026.
This represents a brief summary of benefits and services offered by McFarland Clinic PC. Please check with the Human Resources Department for specific interpretation.
Health Insurance
Eligibility
Full-time and Part-time.
Waiting Period
1st of month following date of hire.
Benefit
Wellmark Health Plan: Features a point-of-service plan or high-deductible health plan. Enrollment available within the first 30 days of employment, annual benefit enrollment for January 1 effective date, or mid-year within 30 days of a qualified life event (marriage, divorce, birth, job change, loss of other coverage, etc.).
Plans
Level Definitions
Level 1 - Domestic: McFarland Clinic medical care discounts for services and care provided at any McFarland Clinic.
Level 2 - Hospital Partner Network:
- Mary Greeley Medical Center, Ames
- Ames Surgery Center, Ames
- St. Anthony Regional Hospital, Carroll
- UnityPoint Health, Fort Dodge
- Hansen Family Hospital, Iowa Falls
- Greene County Hospital, Jefferson
- UnityPoint Health, Marshalltown
Level 3 - In-Network (Blue Choice Network): Blue Choice provider in Iowa and providers in surrounding counties Iowa.
Level 4 - Out-of-Network: Provider not in the Blue Choice network.
Standard Point of Service Plan with FSA
Note: Depending on your device, you may need to scroll left or right to see all contents of this table.
| McFarland Clinic Benefits Provisions | Domestic Level 1 |
Hospital Partner Level 2 |
In-Network Level 3 |
Out-of-Network Level 4 |
|---|---|---|---|---|
| Deductible |
|
|||
| Single | $400 | $1,500 | $3,000 | $5,000 |
| Family | $800 | $3,000 | $6,000 | $10,000 |
| Out-of-Pocket Maximum |
|
|||
| Single | $2,500 | $4,000 | $10,000 | |
| Family | $5,000 | $8,000 | $20,000 | |
| Coinsurance | 0% | 20% | 30% | 40% |
| Office Visits |
|
|||
| PCP | $20 Copay | NA | $50 Copay | $80 Copay |
| Specialist | $20 Copay | NA | $50 Copay | $80 Copay |
| Virtual Visits | $0 Copay | NA | $50 Copay | $80 Copay |
| Urgent Care | $20 Copay | $20 Copay | $50 Copay | $80 Copay |
| Emergency Room | NA | $300/Visit | $300/Visit | $300/Visit |
| Inpatient Hospital | NA | Ded/Coins | Ded/Coins | Ded/Coins |
| Outpatient Hospital | NA | Ded/Coins | Ded/Coins | Ded/Coins |
| Rx Coverage | BlueRx Value Plus | |||
| Tier 1-3, Specialty Drugs | 30%, Max $300 | NA | ||
| Rx Out-of-Pocket Maximum | Separate from Medical | |||
| Single | $2,000 | NA | ||
| Family | $4,000 | NA | ||
|
|
Plan Type | Full-time | Part-time |
|---|---|---|---|
| Standard Point of Service (POS) Plan Monthly Premiums | Employee Only | $74.04 | $111.06 |
| Employee + Spouse | $277.94 | $416.90 | |
| Employee + Children | $236.98 | $355.48 | |
| Family | $398.36 | $597.56 | |
| *If you and/or spouse decline participation in the Commit to OUR Well-Being program, a $30 monthly surcharge will be applied to your monthly paycheck. | |||
High-Deductible Health Plan w/ HSA Plan
Note: Depending on your device, you may need to scroll left or right to see all contents of this table.
| McFarland Clinic Benefits Provisions | Domestic Level 1 |
Hospital Partner Level 2 |
In-Network Level 3 |
Out-of-Network Level 4 |
|---|---|---|---|---|
| Deductible |
|
|||
| Single | $3,500 | $5,500 | $7,500 | $15,000 |
| Family | $7,000 | $11,000 | $15,000 | $30,000 |
| Out-of-Pocket Maximum |
|
|||
| Single | $3,500 | $5,500 | $7,500 | $15,000 |
| Family | $7,000 | $11,000 | $15,000 | $30,000 |
| Coinsurance | 100/0% | 100/0% | 100/0% | 100/0% |
| Office Visits |
|
|||
| PCP | Plan pays 100% after member reaches Deductible/Out-of-Pocket Maximum limit. Member may be subject to balance billing at certain out-of-network providers. |
|||
| Specialist | ||||
| Virtual Visits | ||||
| Urgent Care | ||||
| Emergency Room | ||||
| Inpatient Hospital | ||||
| Outpatient Hospital | ||||
| Rx Coverage | BlueRx Value Plus | |||
| Tier 1-3, Specialty Drugs | 100% after OPM Met | NA | ||
| Rx Out-of-Pocket Maximum | Included with Medical, Embedded | |||
| Single | NA | NA | ||
| Family | NA | NA | ||
|
|
Plan Type | Full-time | Part-time |
|---|---|---|---|
| High Deductible Health (HDHP) Plan Monthly Premiums | Employee Only | $0.00 | $37.02 |
| Employee + Spouse | $129.84 | $268.80 | |
| Employee + Children | $88.88 | $207.38 | |
| Family | $250.28 | $449.46 | |
| *If you and/or spouse decline participation in the Commit to OUR Well-Being program, a $30 monthly surcharge will be applied to your monthly paycheck. | |||
Dental Insurance
Eligibility
Full-time and Part-time.
Waiting Period
1st of month following date of hire.
Benefit
Delta Dental Plan: $30 deductible; 100% coverage for cleaning & check-ups; 80/20 coverage on most other services. Maximum benefit $1,300.
Enrollment available within the first 30 days of employment, annual benefit enrollment for January 1 effective date, or mid-year within 30 days of a qualified life event (marriage, divorce, birth, job change, loss of other coverage, etc).
Delta Dental Insurance Monthly Premiums
Note: Depending on your device, you may need to scroll left or right to see all contents of this table.
| Plan Type | Full-time | Part-time |
|---|---|---|
| Employee only | $23.48 | $35.22 |
| Employee + Spouse | $66.60 | $78.34 |
| Employee + Children | $56.92 | $68.66 |
| Family | $112.82 | $124.56 |
McFarland Eye Wear
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
40% Discount on glasses/contacts (Full-time and Part-time).
20% Discount on glasses/contacts (Partial Part-time).
Health Savings Account (HSA)
Eligibility
Full-time and part-time.
Waiting Period
No waiting period.
Benefit
You must be covered by a qualified high-deductible health plan (HDHP) to open an HSA.
McFarland offers a dollar-for-dollar match up to $750.
Flexible Spending Accounts (FSA, LPFSA, DCA)
Eligibility
Full-time and part-time.
Waiting Period
1st of month following date of hire.
Benefit
Pre-tax dollars set aside for medical costs (not covered by insurance), limited-purpose when enrolled in HDHP used for dental and vision expenses, work-related child care expenses.
Paid Time Off (PTO)
Eligibility
Full-time and part-time.
Waiting Period
No waiting period.
Benefit
Note: Depending on your device, you may need to scroll left or right to see all contents of this table.
| Years of FT/PT Service | Accrual Rate Per Hour Paid | Days/Year* | Weeks/Year |
|---|---|---|---|
| 0 | 0.05775 | 15 | 3 |
| 5 | 0.077 | 20 | 4 |
| 10 | 0.09625 | 25 | 5 |
| 15 | 0.10385 | 27 | 5.4 |
| 20 | 0.10769 | 28 | 5.6 |
| 25 | 0.11154 | 29 | 5.8 |
*Based working an average of 40 hours per week.
Maximum accumulation for full-time is 480 hours and part-time is 300 hours.
Employer-provided Short (STD) and Long (LTD) Term Disability Insurance
Eligibility
Full-time and part-time.
Waiting Period
1st month following date of hire.
Benefit
STD: Premium paid by the Clinic. 60% of your pre-disability salary ($1,000 weekly benefit max.); 7-day elimination period.
LTD: Premium paid by the Clinic. 60% of your pre-disability salary; 90-day elimination period.
Holidays
Eligibility
Full-time and part-time.
Waiting Period
No waiting period.
Benefit
Note: Depending on your device, you may need to scroll left or right to see all contents of this table.
| Holiday | Full-time | Part-time |
|---|---|---|
| New Years Eve | 4 Hours | 2 Hours |
| New Years Day | 8 Hours | 4 Hours |
| Memorial Day | 8 Hours | 4 Hours |
| Independence Day | 8 Hours | 4 Hours |
| Labor Day | 8 Hours | 4 Hours |
| Thanksgiving Day | 8 Hours | 4 Hours |
| Christmas Eve | 4 Hours | 2 Hours |
| Christmas Day | 8 Hours | 4 Hours |
401(k) Plan
Eligibility
ALL
Waiting Period
Employee Contribution: No waiting period.
Employer Match: 1 year of 1,000 or more hours worked.
Year-End Profit Sharing Contribution: 1 year of 1,000 or more hours paid.
Benefit
Employee Contribution: Employee may contribute 1-50% of pay on a pre-tax basis, up to IRS maximum limit.
Employer Match: 100% match of the first 4% employee contribution. Data entry dates are quarterly.
Year-End Profit Sharing Contribution: Discretionary contribution based on financial performance distributed annually at the end of each calendar year. Employee must be paid for 1,000 hours of service during the year.
Group Term Life Insurance
Eligibility
Full-time and Part-time
Waiting Period
1st month following date of hire.
Benefit
Premium paid by the Clinic.
(2x annual salary up to $100,000 maximum.)
Supplemental Life Insurance
Eligibility
Full-time and Part-time
Waiting Period
1st month following date of hire.
Benefit
Available to employee and family. Guaranteed coverage if enrolling within the first 30 days of employment. Premium paid by the employee.
Accidental Death & Dismemberment
Eligibility
Full-time and Part-time
Waiting Period
1st month following date of hire.
Benefit
Available to employee and family. Premium paid by the employee.
Accident & Hospital Indemnity Insurance
Eligibility
Full-time and Part-time
Waiting Period
1st month following date of hire.
Benefit
Available to employee and family. Premium paid by the employee.
Pet Insurance
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
Premium paid directly by the employee.
Malpractice Insurance
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
Premium paid by the Clinic. Coverage for all employees working under the direction of the Clinic physicians.
Bereavement Leave
Eligibility
Full-time and Part-time
Waiting Period
No waiting period.
Benefit
In case of a death of an immediate family member.
Full-time: Up to 24 hours.
Part-time: Up to 12 Hours.
Jury Duty
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
Jury duty is considered a responsible civic duty. The time off required when summoned for jury duty is, therefore, time off with pay during the hours the employee is scheduled to work.
Employee Assistance Program (EAP)
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
McFarland Clinic’s Employee Assistance Program offers caring assistance for personal concerns including stress, drug and alcohol abuse, anxiety, legal or financial concerns, depression, elder care, marital or family concerns, life coaching, ID Theft Resolution services and other concerns that interfere with your overall well-being.
Well-Being@McFarland
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
Newsletters, Commit to YOUR Well-Being program, smoking cessation resources, and Employee Assistance Program.
In-house Educational Opportunities
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
At no cost, opportunity for personal growth and improvement.
Continuing Education Allowance
Eligibility
Full-time and Part-time.
Waiting Period
No waiting period.
Benefit
Allowance is based on employment position and status per calendar year and is prorated for the first year of employment. May be used toward tuition assistance.
Social Security
Eligibility
ALL
Waiting Period
No waiting period.
Benefit
Provides retirement, disability, survivor and other benefits. Employee pays 7.65% of salary; Clinic also pays 7.65%.
