Resident/Fellow Benefits

2020 - 2021

• PGY-1 $59,575.00
• PGY-2 $61,721.00
• PGY-3 $63,942.00
• PGY-4 $66,244.00
• PGY-5 $68,626.00

The UND SMHS provides professional liability insurance coverage for physicians and medical residents/fellows performing medical procedures as part of their educational program. Physicians and medical residents/fellows who perform medical procedures or practice medicine outside of their educational program are not covered under the policy.

From time to time medical residents/fellows will perform procedures at facilities outside the medical school. Such activities may be compensated or uncompensated, but unless the medical resident/fellow involved in such activity has received prior approval from his or her Program Director, such activity will not be considered as within the parameters of the resident's/fellow's program, and the resident/fellow will not be within the coverage of the medical school liability policy.

Medical residents/fellows who anticipate performing medical procedures at facilities outside the medical school should request approval from their Program Director. Such approval will not be withheld unreasonably if the activity is, in the sole discretion of the Program Director, an essential activity relevant to the resident's/fellow's program.

Limits of Liability

• CSL Each Occurrence: $5,000,000 Aggregate
• Institutional Professional Liability: $1,000,000 Limit Each Medical Incident
• Physician Professional Liability: $1,000,000 Limit Each Medical Incident

Cost to Resident

No charge. Premium is paid by the School of Medicine and Health Sciences.

Effective Date

Disability insurance coverage begins on your first day of employment.

Definition of Disability

• You are disabled from your own occupation if, as a result of sickness, accidental bodily injury, or pregnancy, you are EITHER:
• Unable to perform with reasonable continuity the material duties of your own occupation; OR
• Unable to earn more than 80% of your Indexed Predisability Earnings while working in your own occupation.

Disability of Waiting Period

Disability payment begins after 90 days of continuous disability. You will begin to accrue days towards this waiting period from the date you become disabled. (Usage of sick leave has no effect on the waiting period).

Disability Payment Coverage Amounts

• 1st & 2nd Year Residents/Fellows — $ 2,000 per month
• 3rd Year and Higher Residents/Fellows — $3,000 per month

Conversion Option

All residents leaving the program have the option to continue disability insurance coverage at their own expense. This must be done within 61 days of the resident leaving the UND program. You must be a citizen or a resident of the United States or Canada and have been on the UND group plan for at least 12 months to use this conversion option.

Exclusions and Limitations

• You are not covered for a disability caused or contributed to by a war.
• You are not covered for a disability caused or contributed to by an intentionally self-inflicted injury.
• You are not covered for a disability caused or contributed to by a pre-existing condition. (Please ask for additional information to clarify specific situations.)

Resident/Fellow Health Insurance Information Summary

2020-2021

Cost to Resident

No charge. Both single and family plan premiums are paid by the School of Medicine.

Effective Date

Health insurance coverage will be effective immediately on the first day of employment.

Eligible Dependents

1. The Subscriber's (Resident's/Fellow's) spouse under a legally existing marriage as determined by the jurisdiction in which the marriage occurred.
2. The Subscriber's (Resident's/Fellow's) children, or those of the Subscriber's living, covered spouse, who are under the age of 26 years.   Newborn children, of an eligible member, are covered dependents from birth under the Family contract. Please ask for additional information concerning all child coverage definitions.

Changes in Coverage

The Subscriber (Resident/Fellow) is responsible for notifying the UND School of Medicine of any and all status changes within 31 days of such change.

Benefit Period Definition

Calendar year (January 1 through December 31)

Deductible amounts

This contract applies a Deductible Amount to all Covered Services except Accident Care, Pre-Admission Testing Services, Outpatient Surgery Procedures included in the Outpatient Surgery Incentive Program, home IV or antibiotic therapy and Second Surgical Opinion Services.  In addition, the Deductible Amount is waived for initial inpatient newborn care during the first 30 days of life.

Deductible amounts

Single (Individual): $100 per Benefit Period
Family: $200 per Benefit Period

Coinsurance Maximum Amounts

The coinsurance applied to many of the Covered Services is 80%. Ask for additional information on coinsurance policies.

Single (Individual): $1,000 per Benefit Period 
Family: $2,000 per Benefit Period

Maximum Deductible & Coinsurance Amounts for One Benefit Period

Single (Individual): $1,100 per Benefit Period
Family: $2,200 per Benefit Period

COBRA

COBRA is the federal law that entitles a member who becomes ineligible for coverage under the UND School of Medicine to continue health insurance coverage at their own expense.  Please ask for further information.

For additional information, please contact:

Blue Cross Blue Shield of North Dakota
3570 42nd St #B
Grand Forks, ND  58201
701.795.5340 or 800.342.4718

This summary presents a brief explanation of the covered services and payment levels of this product.

It should not be used to determine whether your health care expenses will be paid.

The written contract governs the benefits available.

The Employee Assistance Program (EAP) provider for the University of North Dakota is The Village Business Institute. The EAP is strictly confidential and makes counseling available free of charge to you and all members of your household.

Call 800.627.8220 to schedule an appointment at any location. Identify yourself as a member of the University of North Dakota.

Resident Leave Policy