Any conflict between statements made in this benefit summary and the plan documents shall be governed by the applicable plan documents. Gundersen Health System may find it necessary to add, modify or change any or all benefits or premium contributions stated herein.

R1 $56,500
R2 $58,200
R3 $59,700
R4 $60,900
R5 $62,700
R6 $64,200

* Does not apply to the Pharmacy Practice nor Sports Physical Therapy program.

There are 40 town houses located on the immediate hospital grounds reserved for residents; however, on campus housing is optional. These apartments rent for $625 per month. Included in this cost are all utility bills (heat, electricity, water, and local telephone service). Additionally, this cost includes basic cable and high-speed internet access. The apartments can be totally furnished, semi-furnished or unfurnished. Each apartment has a living room, dining room, kitchen, and laundry area with individual washers and dryers downstairs, and two bedrooms, bathroom and study/den upstairs. All are individually heated and air-conditioned. Garden space is also available. No pets are allowed in the housing complex. Learn more about resident housing.

Healthcare Insurance
Each resident is provided with healthcare insurance where the monthly premium cost is paid 100% by the Gundersen Medical Foundation. 

The Consumer Involved Medical Plan includes both in-network and out-of-network coverage.  This plans deductible is $2,000 per individual with a $5,000 family deductible, but Gundersen covers half of the deductible for you.  Once you have met the annual deductible, you are then responsible for paying a 20% co-insurance.

There is a small co-payment for prescription medications.  Generic prescription medications are subject to a $5 co-payment, prescription medications listed on the Formulary are subject to a $30 co-payment, and non-formulary prescription medications are subject to a $60 co-payment. 

Health insurance coverage is effective the date of your hire (July 1).

Dental Insurance
You may either elect or waive coverage under the dental plan. Single or family coverage is available. You are responsible for a portion of the monthly premium cost. Coverage is effective on your date of hire.

Employee Discounts
Each resident, spouse, and any dependent children under the age of 18 receive a 20% discount on all non-insurance covered services at Gundersen.

Some examples of services to which this discount would apply include refractive eye surgery, optometry services, such as eye wear, including prescription eyeglasses and contacts,  cosmetic surgery, hearing aid, and dentures. (Please note that this is not an all inclusive and you should check with the Gundersen Health Plan for specific coverage details.)

Salary Deferment 401(k) Plan
Eligibility: Employees age 21 or older who work 40 hours or more in a two-week pay period, i.e.must be in position scheduled to work 1,000 hours per year (.5 FTE). Entrance into the plan to begin deferrals is the 1st of the month following 30 days of employment. Thereafter, employees can enroll at any time. Employees may make personal pre-tax or Roth after-tax contributions to the plan.

Summary: Gundersen Health System matches 100% on the first 3% you contribute and $.50 for each dollar up to the next 2% you contribute; therefore if you contribute 5% you can receive a 4% match. The matching contribution is made after each pay period. You may elect to contribute more than 5%. You elect how the funds are invested and are 100% vested immediately. The amount of the voluntary contributions (your personal deferrals) by law is limited to a maximum of $17,500 (2013 limit) and is subject to other IRS limitations as well.  Employees who will be at least age 50 by the end of 2014 can contribute an additional $5,500 (2013 limit) to their 401(k) plan.  This additional $5,500 is over and above the $17,500 limit.  These limits are adjusted annually by the IRS.

Reimbursement Plans
You are eligible to enroll in the Medical Expense or Dependent Daycare Reimbursement Plans. The Reimbursement Plans allow you to pay for expenses not covered by your health or dental insurance as well as dependent daycare costs that you may incur all on a pre-tax basis. You are eligible to enroll in these plans as of July 1. Subsequent elections are made on an annual basis. Any new elections would then be made by January 1 of each year.

Disability Insurance
Long-term disability insurance is purchased for each resident using a calculated formula of approximately 2/3 of salary following a 90-day waiting period.

Short Term Disability Insurance
Short-term disability insurance is also available to you if you are interested.

Life Insurance
Group term accidental death and dismemberment insurance is purchased for each resident providing you with a $50,000 policy. A $100,000 policy is provided in the case of an accidental death.

Professional Liability Insurance
Residents are insured for professional liability under the Gundersen Clinic Professional Liability Insurance Plan, a self-insurance plan approved by the State Office of the Commissioner of Insurance. Coverage is provided on an occurrence basis to limits of $1,000,000/$3,000,000. Excess coverage in an unlimited amount, is provided by law by the Wisconsin Patient’s Compensation Fund. The Gundersen Medical Foundation pays all required premiums and fund contributions for this coverage on behalf of its residents.

Workman's Compensation
Each resident is covered under Workman's Compensation and normal laws apply.

Vacation Time                        
Vacation time includes a maximum of fifteen (15) weekdays, which may be taken throughout the academic year either as single days or as a one-week block.  No more than seven (7) calendar days (including weekend days) are allowed off of any one-month rotation.  Fourteen day (including weekend days) vacations may be arranged by using the last week of one rotation and the first week of the next rotation, with the approval of the program director.  (See your specific residency handbook for additional details.)

Meeting Time/Allowance
Each resident may receive up to (5) five working days for educational experiences per academic year for the general purpose of maintaining, continuing, or enhancing his/her education, training, or skill level, within his/her field of expertise.  (See your specific residency handbook for additional details.)  First year residents receive $800, second year residents receive $1,600, third year residents receive $1,800, fourth year residents receive $2,000, fifth year residents receive $2,500, and sixth year residents receive $3,000 per year for meeting and other education expenses (e.g., books).  Expenses other than those listed in the guidelines will not be reimbursed from this allowance (please review and adhere to Gundersen policy GL-1035).  Special funds are available for resident paper presentations.

Total Time Away From Training
A maximum of  thirty (30) calendar days (including weekend days) throughout the academic year is permitted for authorized time away from training, which includes job/fellowship interviews, vacation, illness, parental or family leave, or pregnancy-related disabilities.  (See your specific residency handbook for additional details.)   Training must be extended to make up any absences exceeding thirty (30) days per year of training as total time away may have repercussions on ability to qualify for board certification, depending upon the specialty's requirements.  Each resident should consult their respective Board's application materials to verify required number and composition of residency weeks by year. 

Total Time Away for Extended Residency
If residency program is extended for a resident, that resident may earn 2.5 days (including weekend days) away from training, per month, after completing the first ninety (90) days of the extended residency time.  If the residency program is extended until the end of the academic year, the resident may earn up to twenty-two and a half (22.5) days (including weekend days).  Of that total time away, two-thirds of the accrued leave time may be used for vacation and the additional one-third can be used for other authorized time away.   

Moving Allowance
A one-time allowance up to $2,500 is offered to individuals entering our categorical residency programs with an expected duration of three years or longer.

Child Care
Children of residents are eligible to attend a child-care center on the immediate Gundersen grounds, provided openings are available. Please contact the program coordinator for more specific information if necessary for your personal situation.

Credit Union
Residents are eligible to use the Gundersen Credit Union.

Licensure in the State of Wisconsin and Drug Enforcement Agency (DEA) registration fees are 100% paid by Gundersen.

Continental breakfast is provided at morning teaching conferences, and lunch is provided at each noon teaching conference five days a week. Residents on call are provided with a free evening meal.

Laboratory Coats
Monogrammed laboratory coats are provided, laundered, and repaired on a regular basis at no cost to you.

Health Sciences Library
The Health Sciences Library has been an integral part of Gundersen for more than 40 years. As the second largest hospital library in the state, the collection contains approximately 650 journal titles and 3,000 textbooks. Electronic resources including, Ovid, MD Consult, Micromedex, and Up-To-Date, are available via Gundersen's intranet. You have 24/7/365 access to the main library area by use of your identification badge.

If living off campus, parking is available at no charge in one of the immediate physician lots.

Transcription Services
All history and physical examination, admission notes, discharge notes, operative notes, consultation reports, and clinic outpatient visits are either dictated and transcribed into the electronic health record by Gundersen transcription services staff or entered directly by the patient care provider.

Sleeping Rooms
All residents are able to take call from home, but should you wish to remain in-house, there are designated call rooms in the hospital available for your use. Seven of the eight call rooms are equipped with full bath facilities.

Exercise Facility
Gundersen offers a My Health Room located on the La Crosse campus. The My Health Room is a fully equipped fitness facility offering a wide variety of cardiovascular and weight lifting equipment. There is no cost for Gundersen employees to use the My Health Room facility. An array of fitness classes are available and offered at very reasonable rates.

Sports Leagues & Tickets
Gundersen Medical Foundation sponsors resident city recreational league teams in basketball, softball, broomball, and volleyball. In addition, two season lift tickets are available for use at Mt. La Crosse for skiing. Discounted lift passes are offered to spouses, children or guests of the resident.

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