St. Croix HealthOur Benefits

Our Benefits

Medical Plans

St. Croix Health offers two medical plans that have qualified high deductibles paired with a Health Savings Account (HSA) feature for you to choose from. Preventive care is covered 100% (in-network) with no deductible with either plan choice.

Dental Plans

We offer basic and enhanced dental plan options to fit the needs of you and your family. Both plans include the Little PartnersSM Benefit. However, the enhanced plan option also has an Orthodontic Benefit for dependents under the age of 19.

Little PartnersSM is a benefit coverage that provides most services for children who are 12 years of age and under at a 100% coverage level without a deductible, annual maximum, or frequency limitations when provided by an in-network dentist.

Vision Plans

St. Croix Health offers employees a variety of vision insurance options to fit your needs. For employees and covered family members who are on our health insurance plan, St. Croix Health provides a company-paid plan covering vision exams at no cost along with discounts off eyeglasses and contact lens. There are also two other employee-paid options to choose from.

Health and Flexible Savings Accounts

Both of our medical insurance plans allow you to have a Health Savings Account (HSA) where you can contribute money on a pre-tax basis via payroll deduction to pay for qualified medical, prescription, dental, and vision expenses.

A Healthcare Flexible Spending Account (FSA) may be used to cover the cost of health, dental, vision, and hearing expenses that are not covered under your insurance plan for you and your dependents. If you have an HSA account, you can only use this account for non-medical expenses such as dental, vision, or medical expenses. This is called a Limited Purpose Healthcare FSA.

A Dependent Care Spending Account may be used to cover the cost of dependent care while you work. You may use this for expenses for the care of a child under age 13 or a disabled spouse, child or parent.

Paid Time Off

St. Croix Health recognizes the importance of employees maintaining a balance between work and life. Paid Time Off allows employees to take time for themselves and their families for vacations, sick days, and holidays. It starts accruing on an eligible employee’s first day of work.

Retirement Plan

St. Croix Health’s 403(b) Retirement Plan allows eligible employees to save for retirement on a tax-favored basis. St. Croix Health contributes 2% of your compensation to the plan and will match an amount equal to 100% up to the first 4% of pay you contribute to the Plan as salary reduction contributions. Eligible employees may receive the Company’s basic and matching contributions upon completion of 1 year of service and 1,000 hours worked.

Life Insurance

St. Croix Health provides term life benefits to all eligible employees at no cost.

Voluntary Insurance Options

Employees may purchase additional term life insurance and AD&D insurance for themselves, their spouse and/or their dependent children.

Employees may also purchase Critical Illness insurance where they can receive lump-sum benefits upon diagnosis. This can be used however an employee chooses and can cover things such expenses related to treatment, deductibles, or day-to-day costs of living such as a mortgage or utility bills.


St. Croix Health provides short-term and long-term disability benefits to all eligible employees at no cost.

Employee Assistance Program

Our Employee Assistance Program (EAP) provides a wide variety of EAP services ensuring that all of our employees have access to the right resources at the right time.

All employees and their dependents are eligible to use the EAP. Below are core EAP services available:

  • 24/7/365 access to Employee Assistance Specialists
  • Unlimited telephonic Solution-Focused Consultation, support, and educational resources from Employee Assistance Specialists
  • Personalized referrals to network clinicians with EAP specialization
  • Referrals to community resources, including child and elder care
  • Seamless coordination with behavioral health services
  • Legal/Mediation services
  • Financial services
  • Educational materials