Table of Content
- Header
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Page
- WELCOME
- NEW HIRE ENROLLMENT & ELIGIBILITY
- MEDICAL/RX
- TELADOC
- FLEXIBLE SPENDING ACCOUNT (FSA)
- DENTAL
- VISION
- LIFE & DISABILITY
- VOLUNTARY BENEFITS
- UNDERSTANDING YOUR BENEFITS
- CARRIER CONTACTS
- CONTACT US
- Footer
WELCOME
Helping you and your family reach and maintain good health is very important to Lincoln Behavioral Services. We are 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.
Please review your 2023 Lincoln Behavioral Services benefits materials for more information regarding your plan offerings for 2023.
NEW HIRE ENROLLMENT & ELIGIBILITY
All newly hired Employees will have coverage effective the 1st of the month following 30 days from your date of hire. Regular Employees working at least 30 hours per week are eligible to participate in medical benefits and those who work at least 40 hours per week are eligible to participate in all other benefits offered by Lincoln.
When you enroll in the benefits program, you may also cover your eligible benefits. 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.. Children eligibility is as follows -
- Medical, Dental, Vision: End of the month the child turns 26
- Voluntary Life: Ends on the end of the month the child turns 19 (or 25 if unmarried and a full time student)
Enrollment Action Required:
ENROLLMENT INSTRUCTIONS:
- Go to workforcenow.adp.com (link below) and log in using your current User ID and Password
- Enrollment Starting Point: Myself -> Benefits -> Enrollments
- Choose Open Enrollment -> Enroll Now
- Follow the online instructions to complete Open Enrollment
- Review your enrollments; Print your confirmation statement (click download); Submit Enrollment
- Verify premium deductions with your first paycheck of the year
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.
Contact Human Resources if you have questions about qualifying events or if you find any discrepancies in your contributions.
MEDICAL/RX
BCN HMO Medical/Rx (Group # 00134569) | 800.662.6667 | www.bcbs.com
Priority Health Medical/Rx (Group #796771) | 800.942.0954 | www.priorityhealth.com
Blue Care Newtork and Priority Health will continue to be the medical and prescription carrier this year. The plans that will be offered effective January 1, 2023 are as follows:
- BCN HMO 250
- Priority Health HMO Copay Align 100
An HMO gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within the BCN or Priority Health networks. You must select a primary care physician (PCP) who will determine the care/treatment you need. To see other doctors, such as a specialist, you must obtain a referral from your PCP.
To find out if your provider is in-network, please visit the BCN or Priority Health website below. Be sure to select your correct network by choosing Employer Group Plan and Blue Care Network (BCN) or Southeast MI Partners - A (PH) in the upper right corner. Once you select your correct network you can search for a doctor or care provider by name, specialty, or condition.
TELADOC
Teladoc: Virtual Visits | 800.835.2362 | www.Teladoc.com
Lincoln Behavioral provides all employees access to virtual visits with Teladoc. Teladoc provides members the opportunity to receive medical health care from the comfort of your own home. With Teladoc, eligible employees and dependents have access to board certified doctors 24 hours a day, 7 days a week, 365 days per year.
How Much Does it Cost?
- Standard Plan (Non HDHP/HSA): $0
- Prescriptions: If prescribed during a virtual visit, applicable Rx cost sharing will apply based on which medical plan you are enrolled in.
To get access to these convenient services, visit www.Teladoc.com - OR - you may call 800.835.2362.
FLEXIBLE SPENDING ACCOUNT (FSA)
HealthSmart: FSA (Company Code: D3R) | 800.821.8197 | www.healthsmart.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
- Up to $3,050 annually
- All benefit eligible can participate
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
How the FSA Plan Works
- You must incur your eligible expenses during the plan year. An expense is incurred when the service is performed, not when you are billed or pay for the service. All unused FSA funds do not roll over from year to year. If you do not use the funds in your account by December 31, 2023, you'll lose them.
DENTAL
MMA-MetLife Dental: (Group #4010) | 517.372.5900 | www.mimfg.org / www.metlife.com
Lincoln Behavioral dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the MetLife Network, 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.
VISION
EyeMed: Vision (Policy #1034986) | 866.939.3633 | www.eyemed.com
Lincoln Behavioral offers vision coverage through EyeMed 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.
LIFE & DISABILITY
Prudential: Life and Disability (Policy: #G-01783) | 866.679.3054 | www.prudential.com
Lincoln Behavioral Services provides you with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through Prudential/
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for 2x base annual earnings to a maximum of $300,000 in 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.
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. Your coverage through Prudential pays 60% of your weekly income to a maximum of $1,750 per week, for up to 11 weeks.
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. Benefits begin after a 90 day elimination period are equal to 60% of covered monthly earnings up to $7,500 for full-time employees.
Please consult your Employee Benefits Guide for additional details.
VOLUNTARY BENEFITS
Prudential: Critical Illness and Hospital Indemnity (Policy: #G-01783) | 866.679.3054 | www.prudential.com
Legal Shield: Legal and ID Theft | 800.654.7757 | www.legalshield.com
Lincoln Behavioral provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees. Additional benefits include:
- Critical Illness
- Hospital Indemnity
- Legal Shield
UNDERSTANDING YOUR BENEFITS
CARRIER CONTACTS
BCN HMO Medical/Rx (Group # 00134569) | 800.662.6667 | www.bcbs.com
Priority Health Medical/Rx (Group #796771) | 800.942.0954 | www.priorityhealth.com
Teladoc: Virtual Visits | 800.835.2362 | www.Teladoc.com
HealthSmart: FSA (Company Code: D3R) | 800.821.8197 | www.healthsmart.com
MMA-MetLife Dental: (Group #4010) | 517.372.5900 | www.mimfg.org / www.metlife.com
EyeMed: Vision (Policy #1034986) | 866.939.3633 | www.eyemed.com
Prudential: Life, Disability, Critical Illness, and Hospital Indemnity (Policy: #G-01783) | 866.679.3054 | www.prudential.com
Legal Shield: Legal and ID Theft | 800.654.7757 | www.legalshield.com