WELCOME

Eligibility

Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Custom Valve Concepts. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse*, child(ren) up to age 26** (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.



Helping you and your family reach and maintain good health is very important to Custom Valve Concepts. CVC is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. View your 2022 Benefit Guide linked below for more information on the CVC benefit package.

2022 BENEFIT GUIDE

ENROLLMENT

How To Enroll In Benefits

To Enroll:

  • Review the information in your benefit guide and complete and sign an enrollment form, even if you are waiving coverage.
  • Submit completed enrollment form to Human Resources.


The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.


Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.

MEDICAL/RX

Blue Cross Blue Shield and Blue Care Network of Michigan provide your medical and prescription drug benefits. CVC is offering the Blue Care Network Point of Service (POS) Medical Plans and a Blue Cross Blue Shield PPO HSA Plan for 2022. With the BCN POS Plans, members can still see an out-of-network/non-BCN provider, but will need to pay for the services out of pocket and seek reimbursement using the form linked below.


To view participating providers, please visit the BCBSM website below.

BCBSM Provider Search

Find An In-Network Provider

BCBSM Provider Search

Find An In-Network Provider

BCN Out of Network Claim Reimbursement Form

Use this if you paid out of pocket to see a non-participating provider for services

BCN Out of Network Claim Reimbursement Form

Use this if you paid out of po ...

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

High Deductible Health Plan (HDHP) Overview

High Deductible Health Plan (HDHP) Overview

TELEMEDICINE

Employees who are covered by one of the CVC medical plans access to virtual visits with BCBSM Virtual Visits. Virtual Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home.


To get access to these convenient services, visit the website below or call 1-844-606-1608.

**You will need to create an account when first accessing the service.

DENTAL

Custom Valve Concepts dental plan provides comprehensive coverage to help you and your family maintain good dental health. CVC partners with MetLife to utilize their PDP Plus Network of dental providers, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.


To find out if your provider is in-network, please visit the website below.

  • Select the PDP Plus Network
  • Search by Zip Code
Dental Insurance Overview Video

Dental Insurance Overview Video

VISION

DID YOU KNOW?

  • Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
  • Babies should receive their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes


CVC offers vision coverage through National Vision Administrators (NVA) to help pay for eye exams, prescription glasses and contact lenses. Review your coverage details in your Benefit Guide.


To find out if your provider is in-network, please visit the link below.


Vision Insurance Overview

Vision Insurance Overview

LIFE & DISABILITY

Custom Valve Concepts provides you with Basic & Voluntary Life/AD&D coverage as well as Long-Term Disability through MetLife.


Basic Life/AD&D

Employees working 30 or more hours per week are eligible for 1 Times Basic Annual Earnings up to $175,000 maximum, coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.


Voluntary Life/AD&D

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.


Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.


Long Term Disability

Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. 


Please consult your Employee Benefits Guide and review the benefit summaries for additional details.

Life/AD&D Insurance Overview

Life/AD&D Insurance Overview

Disability Insurance Overview

Disability Insurance Overview

HSA

Health Savings Account

The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).


HSA IRS Maximums are as follows:

$3,650 for a single contract

$7,300 for a two person or family


$1,000 "Catch Up" contribution for those age 55+


The maximums noted above are combined maximums for employee and employer provided funding. If you elect the BCN POS HSA 2000 plan, the above maximums will need to be off set by the employer provided funding.

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

MENTAL HEALTH RESOURCES

Your mental wellbeing is equally important as your physical wellbeing. Custom Valve Concepts recognizes the importance of taking good care of yours and your families mental health. For those employees covered by a CVC BCN medical plan, you and your dependents have access to myStrength by Livongo. myStrength by Livongo offers support for many types of physical and emotional challenges.


To Enroll in myStrength by Livongo visit the link below and use registration code BLUECROSSMI-START.

Mental Health Overview

Mental Health Overview

Managing Stress

Managing Stress

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER