Helping you and your family reach and maintain good health is very important to Preh, Inc. Preh, Inc. 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.
Preh, Inc. remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees. Our plans will remain the same for the 2022-23 benefit year. Please note, there has been an adjustment to the PPO medical plan employee contributions and you may be subject to changes in cost of your voluntary life/ad&d insurance if you have moved into another age bracket.
Please review your 2022-2023 Preh, Inc. Open Enrollment materials for more information regarding your plans offerings for 2022.
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Preh, Inc. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Children eligibility is as follows -
Action Required: All employees must submit one election form to Jennifer by 07/28/2022.
ENROLLMENT INSTRUCTIONS:
The Benefit choices you make during your 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.
Contact Human Resources if you have questions about qualifying events.
Health Alliance Plan (HAP) Group # 100056451000 (PPO) 100056441000 (HMO) | 888.999.4347 (PPO) 800.422.4641 (HMO) | www.hap.org
HAP will continue to administer your medical and prescription drug benefits this year. The plans that will be offered effective August 1, 2022 are as follows:
To find out if your provider is in-network, please visit the website below.
Amwell through HAP Group # 100056451000 (PPO) 100056441000 (HMO) | 866.884.0528| haptelehealth.org
Preh provides those employees who are covered by one of the HAP medical plans access to virtual visits with American Well (Amwell). Amwell provides members the opportunity to receive medical care rom the comfort of your own home. With Amwell, eligible employees and dependents have access to board certified doctors 24 hours a day, 7 days a week, 365 days per year.
If you are enrolled in the HAP PPO, there will be a $30 copay for the virtual visit. If you are enrolled in the HAP HMO, there will be a $20 copay for the virtual visit.
To get access to these convenient services, visit haptelehealth.org- OR - you may call 866.884.0528. When registering, use service key: HAPMi
Blue Dental (Group #007023804) | 888.826.8152 | mibluedentist.com
Preh's group dental plan provides comprehensive coverage to help you and your family maintain good dental health. For 2022, Blue Dental (BCBSM) will remain as our dental carrier.
To find out if your provider is in-network, please visit the website below.
National Vision Administrators (Group # 51704) | 800.672.7723| www.e-nva.com
Preh offers vision coverage through National Vision Administrators (NVA) to help 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. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the website below.
OneAmerica (Group # 617362 | 800.553.5318 | www.oneamerica.com
Preh, Inc. provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term disability with OneAmerica.
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.
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.
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.
Varipro FSA | 800.732.3412 | www.varipro.com
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
You may contribute as follows:
Health Care FSA
Dependent Care FSA
Applicable to Health Care FSA & Dependent Care FSA
Guardian (Group # 469145 ) | 800.627.4200| www.guardianlife.com
Critical Illness coverage can help ease the financial burden of surviving a critical illness by providing financial resources to help with medical costs or ongoing living expenses. This plan can help you focus on recovery instead of the distraction of out of pocket costs. Some of the benefits of the Critical Illness coverage include:
HAP Group # 100056451000 (PPO) 100056441000 (HMO) | 888.999.4347 (PPO) 800.422.4641 (HMO) | www.hap.org
Blue Cross Blue Shield of Michigan (Group # 007023804) | 888.826.8152 | www.mibluedentist.com
NVA (Group # 51704) | 800.672.7723 | www.e-nva.com
OneAmerica (Group # 617362) | 800.553.5318 | www.oneamerica.com
Guardian (Group # 469145) | 800.627.4200 | www.guardianlife.com
Varipro | 800.732.3412 | www.varipro.com
As you consider your benefit options, please be sure to review all available information.
If you have any questions or need further assistance, please contact:
Jennifer Balakrishnan
jennifer.balakrishnan@preh.com
(248) 381-3822