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.
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):
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.
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:
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.
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.?
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:
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.
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.
?
Group # 30079982 | 800.877.7195 | www.vsp.com
Vision coverage is provided through VSP to help pay for eye exams, prescription glasses and contact lenses. 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.
248.626.8898 | www.varipro.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
Dependent Care FSA
Both accounts include a 60-day run out period which means you have 60 days after the plan year ends to submit claims incurred on or before December 31.
Saga provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term disability.
Life/AD&D Lincoln Financial Group
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 Varipro
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. You have various options to choose from, the CORE plan for those employees with 6 months plus of service is provided employer paid.
Your options are as follows and all include up to 26 weeks of benefit payments -
Evidence of Insurability is required for those who choose to waive coverage during New Hire enrollment or when first eligible and later wish to elect.
Long Term Disability Lincoln Financial Group
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. The LTD benefits are payable for qualifying claim until you reach Social Security Normal Retirement Age (SSNRA), if you are still working beyond SSNRA and experience a qualifying claim, a benefit will be payable for a specified period of time depending on your age at time of claim.
The Core plan is provided employer paid and you have the option to purchase the buy-up benefit as noted below -
Evidence of Insurability is required for those who choose to waive coverage during New Hire enrollment or when first eligible and later wish to elect.
You can obtain cost details for the voluntary plans by visiting ADP. Please review your plan certificate for additional details, limitations, and exclusions.
As you consider your benefit options, please be sure to review all available information and carrier resources. If you have questions or need further assistance, please reach out to your Business Manager.
This is a high-level benefits guide of certain benefits your employer offers. The information in this booklet is intended as a general outline of the benefits offered under your employer’s benefits program and should not be considered legal, investment or other benefits advice. Specific details and plan limitations are provided in the Summary Plan Descriptions (SPD), which is based on the official Plan Documents that may include policies, contracts and plan procedures. The SPD and Plan Documents contain all the specific provisions of the plans. In the event that the information in this brochure differs from the Plan Documents, the Plan Documents will prevail. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your Guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.