Table of Content
- Header
-
Page
- WELCOME
- WELCOME
- ELIGIBILITY
- ENROLLMENT
- MEDICAL/RX
- HEALTH SAVINGS ACCOUNT (HSA)
- VIRTUAL VISITS
- DENTAL
- VISION
- FLEXIBLE SPENDING ACCOUNT (FSA)
- LIFE & DISABILITY
- VOLUNTARY BENEFITS
- PROVIDED TO ALL EMPLOYEES
- ADDITIONAL EDUCATION
- Contact Us
- Footer
WELCOME
Helping you and your family reach and maintain good health is very important to Saga Communications. 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 review the information below, including the member resources available with your plans and the educational videos for more information.
ELIGIBILITY
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective on the 91stday of active full-time employment.
DEPENDENT ELIGIBILITY
You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse. Below explains when eligibility ends for a dependent child(ren):
- Medical: Age 26
- Dental | Vision | Voluntary Life/AD&D: Age 19 or 23 if full time student
Should you no longer be eligible for the benefits offered by Saga, your coverage will be terminated as of 11:59 pm of the date of event.
ENROLLMENT
NEW HIRES! Action Required: You must log into Workforce Now and elect or waive benefits within 14 days of your date of hire.
ENROLLMENT INSTRUCTIONS:
- Go to www.workforcenow.adp.com
- Enter your User ID and password
- Follow instructions and enroll in your benefits
- Make sure to save your elections and print your confirmation statement.
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 and completing any election changes in Workforce Now within 30 days of the event (60 days if due to adding a new child from birth or adoption). You will need to provide supporting documentation to support the changes based on the Qualifying Life Event. Exception: HSA contributions can be changed at any time for any reason.
If you have questions or need to submit documentation for qualifying events, please contact your Business Manager.
MEDICAL/RX
Group # 72216 | 877.790.2583 | https://www.bcbsm.com/
Blue Cross Blue Shield of MI (BCBSM) will continue to be the administrator for you medical and prescription coverage. All the medical plans offered are Preferred Provider Organizations (PPO); this means that both in and out of network coverage is provided, you are not required to select a primary care physician, and you are not required to obtain a referral to see a specialist.
Below are highlights of the three plans offered for 2023:
You may view participating providers at the link below or consult with your existing providers.?
HEALTH SAVINGS ACCOUNT (HSA)
866.346.5800 | https://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.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
- Covered by a Qualified High Deductible Health Plan
- You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
- You cannot be covered by Medicare or Medicaid
- You cannot be eligible to be claimed as a tax dependent
- You have not received VA benefits in the past 90 days
If you elect the BCBSM PPO HSA 3000 plan, you will receive HSA contributions in the following manner from Saga Communications: $500 Single / $1,000 Two Person & Family
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 the date you are covered by the HSA plan.
Reminder: You can make changes to your HSA elections at any time for any reason. Please contact your Business Manager for support on these changes.
DENTAL
Group # 0211 | 800.524.0149 | www.deltadentalmi.com
The dental plans provide comprehensive coverage to help you and your family maintain good dental health. Eligible employees may pick between two dental plans. Buy-Up Plan (Plan 1) is the higher cost dental plan, it provides richer benefits, orthodontia, and a higher annual maximum. Plan 2 is a lower cost option that does not include ortho and has lower level of benefits. Both plans include in and out of network benefits, keep in mind, 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.
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