Table of Content
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- WELCOME | Whitesell Corporation Employees!
- OVERVIEW
- ENROLLMENT
- MEDICAL/RX
- HSA
- TELEMEDICINE
- DENTAL
- VISION
- LIFE & DISABILITY
- FSA
- VOLUNTARY BENEFITS
- MENTAL HEALTH RESOURCES
- UNDERSTANDING YOUR BENEFITS
- Additional Resources
- Contact Us
- Footer
WELCOME | Whitesell Corporation Employees!
Helping you and your family reach and maintain good health is very important to Whitesell Corporation. Whitesell Corporation is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Whitesell Corporation. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and child(ren) up to age 26.
OVERVIEW
Whitesell Corporation remains committed to providing a competitive, cost-effective benefit program. Each year Whitesell Corporation takes great care and detail in the benefit programs offered to employees. Below are highlights of the benefit plans available for 2022:
- Medical & Prescription coverage with Blue Cross Blue Shield of MI (PPO), including HSA qualified plans
- Virtual Visits with BCBSM
- Health Savings Account available with qualified plans through Health Equity
- Dental insurance plan options through Delta Dental
- Vision insurance plan options through EyeMed
- Employer provided and voluntary Life insurance
- Voluntary Short & Long Term Disability insurance
- EAP, Will Preparation, & Travel Assistance programs provided at no cost to you
Please review your 2022 Whitesell Corporation benefit plan materials for more information.
ENROLLMENT
Action Required:
All employees must access Whitesell Connection to elect or waive the 2022 benefit plan options.
ENROLLMENT INSTRUCTIONS:
- Go to www.WhitesellConnection.com
- Enter your User ID: First Initial + Last Name (e.g.John Smith = JSmith)
- Enter your Password: Last 4 of your SSN
- Follow instructions and enroll in your benefits
- Make sure to save your elections and print your confirmation statement.
The benefit choices you make during your new hire open enrollment will remain in place for the remainder of 2022.
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
BCBSM will continue to administer your medical and prescription drug benefits this year. The plans that will be offered in 2022 are as follows:
- PPO 1000
- PPO 3000
- PPO HSA 3500
PPO Plan Overview
- Network: Blue Cross Blue Shield PPO
- No need to select a Primary Care Physician
- No need to obtain referrals to see a specialist
- In & Out of Network Coverage Provided
- Preventive Care covered 100%
HSA
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 to contribute towards an HSA tax-free, you must meet the requirements below:
- Covered by a Qualified High Deductible Health Plan
- You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
- You cannot be covered by Medicare or Medicaid
- You cannot be eligible to be claimed as a tax dependent
- You have not received VA benefits in the past 90 days
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+
TELEMEDICINE
Whitesell Corporation provides those employees who are covered by one of the BCBSM medical plans access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home. With BCBSM Online Visits, eligible employees and dependents have access to board certified doctors, psychiatrists and licensed therapists 24 hours a day, 7 days a week, 365 days per year.
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
DENTAL
Whitesell Corporation's dental plans provide comprehensive coverage to help you and your family maintain good dental health. All eligible employees have the option to choose between two dental plans to ensure you and your families dental needs are met. The High Plan includes orthodontia coverage and provides the same coinsurance levels in and out of network. The Low Plan does not include ortho coverage and also provides reduced coverage when seeing an out of network dentist.
To find out if your provider is in-network, please visit the website below.
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
Whitesell Corporation offers vision coverage with EyeMed. Vision coverage provides members help to pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Eligible employees may choose the vision plan that best meets your needs. Review your coverage details in your Benefit Guide for more information.
To find out if your provider is in-network, please visit the website below.
LIFE & DISABILITY
Whitesell Corporation provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term disability with Mutual of Omaha.
Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Whitesell Corporation provides eligible employees a Life and Accidental Death & Dismemberment benefit of 2 times your basic annual earnings up to $500,000 at no cost to you.
Employees also have the opportunity to enroll in voluntary/supplemental Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. Eligible employees and spouses may elect up to the Guarantee Issue Amount with no Evidence of Insurability (EOI) if you elect during your initial new hire enrollment window. If you do not elect during your new hire enrollment window, you will be required to submit EOI for underwriting review.
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.
Short Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. If you do not elect the Short Term Disability benefits during your initial new hire enrollment, you will be required to submit Evidence of Insurability for underwriting review.
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. If you do not elect the Long Term Disability benefits during your initial new hire enrollment, you will be required to submit Evidence of Insurability for underwriting review.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.