Helping you and your family reach and maintain good health is very important to ICL. 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.
We remain committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees. Please note, there will be no changes to your benefit plans or costs for 2023! For those of you enrolled on the voluntary life/ad&d insurance, you may experience a cost change on that coverage in the event you are moved into another age bracket.
Please review the information below, including the member resources available with your plans and the educational videos for more information.
NFP will be hosting an educational meeting regarding your benefits for open enrollment on 10/27/2022 at 1:00 pm. You can register for this virtual meeting using the button below.
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans. 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 elections must be submitted by Sunday November 13, 2022.
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.
Group # 00601153 | (800) 662-6667 | https://www.bcbsm.com/
Blue Care Network (BCN) will continue to be the administrator for you medical and prescription coverage. There are no changes to your benefit plans for 2023. You may choose between two plans, the POS 1000 Plan or the POS HSA 2000 plan. Both plans offered are Point-of-Service (POS) plans and they function a bit differently depending on whether you reside in Michigan or outside of Michigan.
With both plans, no matter your residency, the following applies -
You may view participating providers at the links below by entering your location and you can filter by type of doctor, languages, affiliation, etc.
Make sure to select your plan! MI Residents: 'Blue Care Network (HMO & POS Plans) / Non-MI Residents: 'BlueCard Traditional'
(866) 625-0416 | www.payflex.com
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:
HSA IRS Maximums are as follows:
$3,850 for a single contract
$7,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
(800) 835-2362 | https://www.teladoc.com/
ICL provides those employees and dependents who are covered by one of the BCN medical plans access to virtual visits with BCBSM Online Visits. This service provides members the opportunity to receive medical and mental health care from the comfort of your own home. 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.
Common Medical Services Include:
Bladder Infections | Cold/Flu Symptoms | Sore Throat | Pink Eye | Rashes | Sinus Infections | Ear Infections
Plus more of your routine 'simpler' conditions!
Services for Mental Health:
Therapy Visits: Therapists such as psychologists, licensed clinical social workers, marriage and family therapists and professional counselors use talk therapy. Therapy is available to adults and children aged 10 and older by appointment from 7 a.m. to 11 p.m. Visits typically last 45 minutes.
Psychiatry Visits: Psychiatrists can make diagnoses and prescribe and manage medications. Psychiatry is available to adults aged 18 and over and visits are by appointment only. Extended hours during evenings and on weekends may be available. The initial visit usually lasts 45 minutes with 15-minute follow-up visits
How Much Does it Cost?
To learn more and access these services, please visit the links included in this section!
The dental plan provides comprehensive coverage to help you and your family maintain good dental health. Dental coverage is provided through Delta Dental of MI and provides both in and out of network coverage. In Network providers include Delta Dental PPO and Delta Dental Premier dentists. Out of network benefits are offered at the same levels, however, if you see an out of network dentist you may experience balance billing not covered by your dental plan.
To find out if your provider is in-network, please visit the website below.
Group #VC-146 | (888) 581-3648 | www.eyemed.com
ICL offers vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. The plan includes both in and out of network coverage, however, you receive a higher level of benefits when you see a provider in network.
To find out if your provider is in-network, please visit the website below using the INSIGHT Network.
Group #00541833 | (888) 600-1600 | www.guardianlife.com
ICL provides you with financial protection options for life, accidental death & dismemberment, and disability.
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.
Disability - Employer Paid
Everyday illnesses or injuries can interfere with your ability to work. A few weeks, or even years, away from work can make it difficult to manage household costs. 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.
Please review your plan certificate for additional dentals, limitations, and exclusions.
The resources below are provided to all full-time employees at no additional cost: