Medical Education Bariatric Fellowship Benefits

2022-2023 ADVANCED GI MINIMALLY INVASIVE/BARIATRIC SURGERY FELLOW
STIPEND AND BENEFITS
Any conflict between statements made in this benefit summary and the plan documents shall be governed
by the applicable plan documents. Gundersen Medical Foundation may find it necessary to add, modify
or change any or all benefits or premium contributions stated herein.
Fellow Compensation Package
Fellow Compensation Package

Salary
Health and welfare benefits
7% 1% Retirement plan benefits
3%
Government required benefits
12%
Meeting Allowance
79%
Salary
R1 $74,500
Medical insurance
Gundersen Medical Foundation pays the full cost of your medical premium. Choosing a medical plan for
you and your family is an important decision. With three plan options you have flexibility in selecting a
plan that best meets your needs. Coverage begins on your date of hire.
Consumer Involved Medical Plan (CIMP) with Cost Share Fund – both in-network and out-of-network
coverage.
In-network - $2,000 deductible + 20% coins up to $2,000. Out of pocket max=$4,000/person.
Out-of-network - $4,000 deductible + 40% coins up to $4,000. Out of pocket max=$8,000/person.
Family out-of-pocket maximums apply for family of more than two.
 Cost Share Fund (CSF) pays 50% of deductible and coinsurance. Gundersen funds $1,000 for single
coverage or $2,500 for single+dependent and family coverage. Cost Share Fund is pro-rated if
enrolling mid-year.
 Annual exams, preventive and diagnostic screenings covered at 100% in-network.
HMO $500 Plan – must see in-network providers for benefit coverage.
$500 deductible + 10% coinsurance up to $500 + copays up to $500.
Out of pocket max= $1,500/person or $3,000/family.
 Copays for physician office visits.
High Deductible Health Plan (HDHP) HMO – must see in-network providers for benefit coverage.
Allows you to establish a personal Health Savings Account (HSA).
$3,000 deductible + 20% coinsurance up to $3,750.
Out of pocket max= $6,750/person or $13,500/family.
 Copays apply after deductible is met.
Dental insurance
Single or family coverage is available (monthly premiums apply). The plan pays 100% of preventative
services including routine exams and x-rays. The plan pays 70% to 80% for restorative services such as
fillings, crowns and bridges, and endodontic services, up to an annual maximum of $1,000 per covered
person. Coverage begins on date of hire.
Employee discounts
Each resident, spouse, and any dependent children under the age of 18 receive a 20% to 30% discount on all
non-insurance covered services at Gundersen. Examples of services include refractive eye surgery,
optometry services such as eye wear (including prescription eyeglasses and contacts), cosmetic surgery,
hearing aid, and dentures. (Please note: This list is not all-inclusive. Please check with the Revenue Cycle
Department for specific details.)
Retirement Plan – Salary Deferment 401(K)

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.
Gundersen matches 100% on the first 3% you contribute and $.50 for each dollar up to the next 2% you
contribute, for a maximum contribution of 4%.
You contribute Gundersen contributes

1% 1%
2% 2%
3% 3%
4% 3.5%
5% 4%
The matching contribution is made after each pay period. You may elect to contribute more than
5%. By law, the voluntary contribution is limited to a maximum of $19,500 for persons under age 50,
and $26,000 for persons age 50 or older by the end of the year. You are immediately 100% vested in
your voluntary contributions and Gundersen’s matching contributions. Coverage begins the 1st of the
month after 30 days of hire date.
Disability Insurance
If you are unable to work for more than 14 consecutive days, short-term disability (STD) provides a 60%
weekly benefit up to $1,000 per week for up to 75 days. Your cost for STD coverage depends on your
basic annual earnings. Coverage begins 1st of month after hire date.
Long-term disability coverage is paid by Gundersen. If you become disabled, benefits of up to $2,000 per
month begin after a 90-day waiting period. Coverage begins on date of hire.
Group life and supplemental insurance

Gundersen pays the full cost of your basic group life insurance policy. The value is $50,000 matched by an
additional $50,000 in the case of accidental death. You may purchase supplemental life insurance up to a
maximum of five times your salary at rates in accordance with your age bracket. You may also purchase
supplemental life insurance for your spouse and qualifying dependent children. Premiums for all
supplemental policies are paid through after-tax payroll deductions. Coverage begins 1st of month after
hire date.
Professional liability insurance

Residents are insured for professional liability under the Gundersen Clinic Professional Liability Insurance
Plan, a self-insurance plan approved by the Wisconsin 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 Injured Patient’s and Families Compensation Fund. The
Gundersen Medical Foundation pays all required premiums and fund contributions for this coverage on
behalf of its residents.
Healthcare and dependent care Flexible Spending Accounts (FSA)

 Healthcare FSA
Healthcare FSA provides for reimbursement for healthcare expenses not covered by insurance. The
minimum contribution is $100 and the maximum contribution is $2,750. When making your contribution
elections, estimate the out-of-pocket expenses you expect to incur from July 1 through December 31. If
you have money remaining in your account at the end of the plan year, you may carryover $550 from
one plan year to the next. Coverage begins 1st of month after hire date.
 Dependent Care FSA

Dependent Care FSA provides for reimbursement of daycare expenses for eligible dependents. The
minimum contribution is $100 and the maximum contribution is $5,000. The Dependent Care FSA does
not offer a carryover. Coverage begins 1st of month after hire date.
Worker's compensation
Fellows are covered under Worker's Compensation.
Wellness Funds
Each fellow will receive a one-time payment of $500 at the start of the academic year to be used toward
wellness activities and products. Wellness activities and products are determined by the resident.
Some examples of wellness activities and products may include, but are not limited to fitness/gym
memberships, fitness equipment, and personal development. It is the responsibility of the fellow to
manage their wellness fund expenses.
Educational Fund
Each fellow will receive a one-time payment at the start of the academic year to be used for educational
expenses. Fellows will receive $3,000 for educational fund expenses. Some examples of educational
expenses may include, but are not limited to meeting, educational butterfly ultrasound, iPad, books,
online educational material, and board examinations. It is the responsibility of the fellow to manage
their educational fund expenses.
Time Away from Training

Time away from training includes a maximum of three (3) weeks (fifteen (15) workdays), which may be
taken throughout the academic year. All time away from training must have prior approval by the program
director. (See your specific program handbook for additional details).
Meeting Time/Allowance
Each fellow 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 program handbook for additional details.)
Total Time Away From Training

Additional time away from training beyond the maximum three (3) weeks (fifteen (15) workdays) and
meeting time will be per discussion and approval by the program director and review of guidelines of
the applicable board certifying body.
Housing
Gundersen Health System offers two, on-campus, housing complex options, based on availability.
West Housing Complex

Fifty townhomes are located on the immediate medical center grounds. Rent for these townhomes is
$805 per month. All utilities including heat, electricity, water, and high-speed internet are paid for by
the medical center. The townhomes can be furnished, semi-furnished, or unfurnished. Each townhome
has a living room, dining room, kitchen, laundry area with individual washers and dryers, two bedrooms,
full bathroom, and study/den. All are individually heated and air-conditioned. Garden space is also
available.
Pet policy (pets allowed in West Housing Complex only)

o ONLY cats and dogs are allowed
o Quantity limitations:
 One dog
 Two cats
 One cat and one dog
o All pets must be indoor pets and leashed when outside
o Size – dogs must be less than 75 pounds
o There will be an increase of $60 for a security deposit amount for pet owners
o There will be an increase $60 per month for pet owners
o Pets will NOT be allowed in East Housing Complex
East Housing Complex

Gundersen also offers 24 newly constructed townhomes near the La Crosse Campus East and Founder’s
Buildings. Rent for these townhomes is $975 per month. All utilities including heat, electricity, water,
and high-speed internet are paid for by the medical center. The townhomes can be furnished, semi-
furnished, or unfurnished. Each townhome has a living room, dining room, kitchen, laundry area with
individual washers and dryers, two bedrooms, one full bathroom, and one half bath. All are individually
heated and air-conditioned. There is no garden space at this site, but gardening is available in the West
Housing Complex. Pets are not allowed in the East Housing Complex.
We realize that people may choose to live off campus for a variety of reasons, including family size, pets,
and the desire to own a home.
Additional Benefits
Child Care
Children of fellows are eligible to attend a child-care center on the immediate Gundersen grounds, provided
openings are available.
Credit Union
Fellows are eligible for membership in the Gundersen Credit Union.
Licensure
Gundersen Health System pays the fee for your licensure in the State of Wisconsin and Drug Enforcement
Agency (DEA).
Meals
Fellows that take call are provided a $1,800 meal stipend for the academic year.
Laboratory Coats
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 45 years. The library’s
collection contains approximately 2600 online journal titles and 3,200 textbooks. Electronic resources,
including ClinicalKey, AccessMedicine, and UpToDate, are available via Gundersen's intranet. You have
24/7/365 access to the main library area by use of your identification badge.
Parking
If living off campus, parking is available at no charge in one of the immediate physician lots.
Sleeping Rooms
Fellow may take call from home. Designated call rooms are available to those who choose to take call in-
house.
Exercise Facility
The My Health Room located at the La Crosse Campus is a fully equipped fitness facility offering a wide
variety of cardiovascular and weight lifting equipment. Gundersen employees may use the facility at no
cost. An array of fitness classes are available and offered at reasonable rates.
P.E.E.R. Coaching:
Each resident/fellow has access to the Gundersen P.E.E.R Coaching program. This individualized,
confidential coaching experience is an opportunity to increase your fulfillment, satisfaction, and well-
being in your career and personal life. This program is designed for you to explore your purpose in life,
engage in personal growth, strive for excellence in designing an intentional life, and develop resolve to
set and accomplish your goals. In working with one of Gundersen’s internal physician coaches, who are
specifically trained to coach medical personnel, you will identify and focus on your priorities and be
supported to live your best life at work and at home. There are short-term and comprehensive coaching
programs available to residents. Discussions can focus on specific issues such as communication
challenges, conflict resolution, workflow to more in-depth discussions focusing on values and set goals,
your purpose and vision, and creating a map for your future.

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Medical Education Bariatric Fellowship Benefits

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2022-2023 ADVANCED GI MINIMALLY INVASIVE/BARIATRIC SURGERY FELLOW

STIPEND AND BENEFITS

Fellow Compensation Package

Fellow Compensation Package

Retirement Plan – Salary Deferment 401(K)

You contribute Gundersen contributes

Group life and supplemental insurance

Professional liability insurance

Healthcare and dependent care Flexible Spending Accounts (FSA)

 Dependent Care FSA

Time Away from Training

Total Time Away From Training

West Housing Complex

Pet policy (pets allowed in West Housing Complex only)

East Housing Complex

Health Sciences Library

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