Helping you and your family reach and maintain good health is very important to Mollertech. 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. Mollertech 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.
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Mollertech. 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 -
Should your employment end with Mollertech, your benefits will be terminated as of 11:59 pm of the last day of the month in which you were terminated.
NEW HIRES! Action Required: You must elect of waive benefits within 14 days of hire.
The only opportunity to modify your plan elections for 2023 is if you have a Qualifying Life Event. These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a Qualifying Life Event, you may make changes to your benefits by contacting Human Resources within 30 days of the event. You will need to provide supporting documentation to Human Resources to support the changes based on the Qualifying Life Event (marriage/birth certificates, divorce decree's, proof of loss of coverage, etc.). Exception: HSA contributions can be changed at any time for any reason by contacting Kelley Reedy.
Please contact Kelley Reedy at 586-419-0597 for further assistance.
PPO Group #007018195 | (877) 790-2583 | www.bcbsm.com
POS Group #00249237 | (800) 662-6667 | www.bcbsm.com
Blue Cross Blue Shield of MI (BCBSM) and Blue Care Network (BCN) will continue to be your medical and prescription carrier. You have the choice between a PPO plan and two POS plans. Although both plans include out of network coverage, if you do go out of network you will experience higher cost sharing in addition to possible balance billing.
The PPO plan utilizes the BCBSM Nationwide PPO network. The POS plans utilize the BCN HMO & POS Network in the state of MI and the BlueCard Traditional network outside the state of Michigan. For those who reside in MI, you must select a Primary Care Physician (PCP) with either of the POS plans, however, you do not need to obtain referrals to see a specialist.
Below is a high-level overview of your plan options:
Helpful Rx Cost Saving Tools & Tips!
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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.
HSA IRS Maximums are as follows (any employer provided HSA funds will apply to the maximum noted below):
$3,850 for a single contract | $7,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
If you are only covered by the HSA plan for part of the 2023 calendar year, your maximum allowable contribution is prorated based on your effective date of coverage on the HSA plan.
(844) 606.1608 | www.bcbsmonlinevisits.com
All eligible employees and dependents who are covered by one of the Mollertech medical plans have access to virtual visits with BCBSM Online Visits. With the BCBSM Online Visits you have the opportunity to receive medical and mental health care from the comfort of your own home.
How Much Does it Cost?
Mental Health: For both non-HSA and HSA plans, the costs of these services are Subject to your plans normal cost sharing for mental health services, often, deductible & coinsurance. The charges applicable for the type of services, which will apply towards your deductible, are as follows:
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.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
Common Medical Services
Mental Health Services
Group #007018195 | (888) 826-8152 | www.bcbsm.com
Mollertech's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Your dental plan includes both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.
To find out if your provider is in-network, please visit the website below and select "BLUE DENTAL PPO" as your network.
Group #007018195 | (800) 877-7195 | www.bcbsm.com
Mollertech offers vision coverage through BCBSM to help pay for eye exams, prescription glasses and contact lenses. BCBSM partners with VSP to utilize their network of vision providers, your VSP vision network is VSP Choice. 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.
To find out if your provider is in-network, please visit the website below, use the CHOICE network.
(866) 370-3040 | www.isolved.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.
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
(800) 423-2765 | www.lfg.com
A sudden accident or death can leave you or your loved ones in a vulnerable position. Mollertech provides all eligible employees $100,000 of Basic Life and Accidental Death & Dismemberment (AD&D) coverage at no cost to you. Employees have the opportunity to enroll in additional 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.
Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks 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.