Table of Content
- Header
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Page
- WELCOME
- WELCOME
- ELIGIBILITY
- ENROLLMENT
- MEDICAL
- HEALTH SAVINGS ACCOUNT (HSA)
- VIRTUAL VISITS
- DENTAL
- VISION
- FLEXIBLE SPENDING ACCOUNT (FSA)
- LIFE & DISABILITY
- VOLUNTARY BENEFITS
- EAP
- ADDITIONAL EDUCATION
- Carrier Contacts
- Contact Us
- New Sub Section
- New Section
- Footer
WELCOME
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.
Eligibility
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 -
- Medical | Dental | Vision: Last Day of the Calendar Year the Child turns Age 26
- Voluntary Life: Age 19, or 23 if full-time student
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.
ENROLLMENT
NEW HIRES! Action Required: You must elect of waive benefits within 14 days of hire.
ENROLLMENT INSTRUCTIONS:
- Review your benefit information included on this site
- Complete your 2023 election form clearly and legibly
- Return the form to Human Resources by November 30, 2022
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.
MEDICAL
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!
- MAIL ORDER - Many drugs are available in a 90 day supply, rather than the 30 day retail supply. Typically, you will pay less if you choose to get a mail order 90 day supply.
- GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (will not count towards your maximums).
- ASK YOUR DOCTOR – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
View Participating Providers | Use the Button Below!
- PPO/POS MI Provider Search: This search tool applies to those electing a PPO or POS + reside in MI - Enter your zip code and select "Yes this is Correct" - then in the upper right corner click the orange box and select your plan:
- PPO 1500 select "PPO Plans"
- POS 1000 or POS HSA select "Blue Care Network (HMO & POS Plans)"
- If you live outside the state of MI and are considering one of the POS plans, please consult with Human Resources for more information.
HEALTH SAVINGS ACCOUNT (HSA)
(866) 346-5800 | memberservices@healthequity.com | www.healthequity.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.
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.
VIRTUAL VISITS
(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?
Medical Visits:
- Standard, Non-HSA Plans: Equal to your office visit copay
- HSA Plans: $59 charge applied to deductible; coinsurance applies after satisfaction of deductible.
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:
- Therapy Visits: $85 (Masters Level) or $99 (Doctorates Level) – Once your deductible is satisfied, coinsurance will apply if applicable
- Psychiatry Visits: $199 for initial visit and $95 for follow up visits –Once your deductible is satisfied, coinsurance will apply if applicable
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
- Bladder Infections
- Cold & Flu Symptoms
- Sore Throat
- Pink Eye
- Skin Rashes
- Sinus Infections
- Stomach Issues
- UTI
Mental Health Services
- 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
DENTAL
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.
VISION
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 y