Resident/Fellow Benefits
Joining a residency/fellowship connected to the UND School of Medicine & Health Sciences provides physicians with a number of benefits, including the following:
2021 - 2022
- PGY-1 $60,468.00
- PGY-2 $62,647.00
- PGY-3 $64,901.00
- PGY-4 $67,238.00
- PGY-5 $69,656.00
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
- Health Care Professional Medical Liability $1,000,000 Limit Each Medical Incident, $5,000,000 annual aggregate
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
2021-2022
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.
Enrollment must take place within 31 days from when you first eligible for benefits.
Coverage of the paid health insurance policy ends the last day of the month you terminate.
Eligible Dependents
- The Subscriber's (Resident's/Fellow's) spouse under a legally existing marriage as determined by the jurisdiction in which the marriage occurred.
- 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
Blue Cross Blue Shield Health Insurance Application
- Complete application.
- Sign and date by either using Adobe reader "fill & sign" option or print and sign application.
- Email completed application to both Tass Wood (Administration and Finance - SMHS) and Misty Johnson (Blue Cross Blue Shield) via Liquid Files. It is advised to use Liquid Files since your application contains highly sensitive information.
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.