Preh

Table of Content

  1. Header
  2. Welcome
  3. Eligibility
  4. Enrollment
  5. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Virtual Visits
    5. Carrier Resources & Education
  6. Spending Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  7. Dental
    1. Dental Plan Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  8. Vision
    1. Network & Resources
  9. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Critical Illness
  10. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  11. Additional Educational Videos
  12. Have Questions?
  13. Footer

Welcome

Preh, Inc. works diligently to provide you with an affordable and best in class Health Care Program. Your benefits with Preh, Inc. are effective on your date of hire. You must review the below information and complete your Enrollment Form within your first 15 days of hire.


PLEASE NOTE: If your spouse is currently employed and has access to his/her own employers sponsored medical plan, dental plan, and vision plan, he/she is not eligible to participate in the Preh plan. Understand that any misrepresentation or omission of facts may be cause for immediate dismissal. However, if employee & spouse both work for Preh, they can remain on the same plan


Remember, the benefits you elect now will remain in place until open enrollment, unless you have a qualifying event during the year. You have 30 days from the qualifying event date to notify HR to make the changes. Common life events are: marriage, divorce, birth, adoption, and loss in coverage.

2023/2024 Benefit Highlights

2023/2024 Benefit Highlights

Eligibility

All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Preh, Inc. 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: End of the year the child turns 26
  • Voluntary Life and Critical Illness: Age 19 or 25 if full time student

Enrollment

Action Required: You must submit one election form to Jennifer within 15 days of hire


ENROLLMENT INSTRUCTIONS:

  1. Review all of your benefit information so that you can make informed decisions for your 2023-24 elections.
  2. Complete your 2023-24 Enrollment Form even if you are waiving all or some of the benefits.
  3. Return your completed form to Jennifer within 15 days of hire.


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.

2023/2024 Election Form

2023/2024 Election Form

Medical & Rx

HAP

Health Alliance Plan (HAP) Group # 100056451000 (PPO) 100056441000 (HMO) | 888.999.4347 (PPO) 800.422.4641 (HMO) | www.hap.org


Health Alliance Plan (HAP) will continue to be your medical and prescription carrier. You have the choice between three plans for the 2024 plan year. The three plan options include a PPO plan, an HMO plan, and an HMO HSA plan. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.


If you are already enrolled in one of the Preh, Inc HAP medical plans today and have not already done so, please be sure to register through the HAP member portal where you can access important information pertaining to your medical plans with HAP including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the HAP portal as of your effective date of coverage. Information on how to register can be found here.



HAP Member Portal

Your coverage must be active to register

HAP Member Portal

Your coverage must be active t ...

Medical/Rx Plans Overview

Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided below.

HMO HSA 1500 Benefit Summary

HMO HSA 1500 Benefit Summary

HMO 500 Benefit Summary

HMO 500 Benefit Summary

PPO Benefit Summary

PPO Benefit Summary

Rx Information

Look up your prescriptions by viewing the HAP Drug List. Use the Control F feature to type in the name of your prescriptions and determine which level the drug is and whether a Prior Authorization (PA) or Quantity Limits (QL) apply. You can also determine whether there may be lower cost alternatives for your prescriptions.


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, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking here.

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 (insurance will not be applied and costs with the coupon will not count towards your deductibles and/or out-of-pocket 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.

HAP Drug List

HAP Drug List

Providers & Networks

The three medical plans function differently when it comes to networks and access. The PPO plan provides out-of-network coverage for a variety of services, whereas the HMO and HMO HSA only provide out-of-network coverage in the event of a true emergency. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing. View the comparison below for additional details on the differences between the PPO, HMO and HMO HSA plans when it comes to networks and access.




Instructions and tips for locating participating providers below --

  • PPO PROVIDERS Select "PPO" under "Insurance Plan" then enter your Address or Zip Code under "Location" then click "Search Providers".
  • HMO PROVIDERS Available to MI residents only. Select "HMO" under "Insurance plan" then enter your Address or Zip Code under "Location" and click "Search Providers".
ppo hmo pos

ppo hmo pos

Virtual Visits

24/7/365 HAP Telehealth

HAP Telehealth, powered by Amwell Group # 100056451000 (PPO) 100056441000 (HMO) | 866.884.0528| haptelehealth.org


Preh, Inc provides those employees who are covered by one of the American Well (Amwell) through HAP medical plans access to virtual visits with Amwell Online Visits. Amwell Online Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home.


HOW MUCH DOES IT COST?

Medical Visits:

  • HAP PPO: There will be a $30 copay for the virtual visit
  • HAP HMO: There will be a $20 copay for the virtual visit
  • HAP HMO HSA: There will be a $20 copay, after deductible, for the virtual visit


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 haptelehealth.org OR - you may call 866.884.0528. When registering, use service key: HAPMi

HAP Online Visits Registration

Service Key: HAPMi

HAP Online Visits Registration

Service Key: HAPMi

Carrier Resources & Education

HDHP+HSA

HDHP+HSA

Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

pc us er

pc us er

HAP Member Discounts

HAP Member Discounts

Spending Accounts

You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by Preh, Inc.

Health Savings Account (HSA)

Health Equity | Policy #: | 866.346.5800 | HealthEquity - Industry's #1 HSA Administrator


The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The HMO HSA Medical Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.




HSA IRS Maximums are as follows and are on a calendar year basis (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 have an HSA with another bank or custodian, you can transfer your funds to the Preh's HSA with Health Equity by completing this form.


Visit the Health Equity HSA page for more information by clicking HERE!

Difference Between FSA & HSA

Difference Between FSA & HSA

Health Equity Member flyer

Health Equity Member flyer

HSA Overview Video

HSA Overview Video

HSA Store

HSA Store

Qualified Medical Expenses

Qualified Medical Expenses

HSA Investment Guide

HSA Investment Guide

Flexible Spending Accounts (FSA)

Varipro FSA | 800.732.3412 | www.varipro.com



Plan Details are as follows:

  • You can contribute up to $3,050 annually.
  • At the end of the 2024 plan year, if you have not used all of your FSA funds, a maximum of $610 will carry over into next year's FSA plan (should you elect an FSA for the 2025 plan year).
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2023.
  • If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only which can be used for qualifying dental, vision, and post-deductible medical expenses.
  • You have access to your full annualized election amount on day one.
  • Unused funds will be forfeited.


Visit the Varipro FSA page for more information by clicking HERE!

Flexible Spending Account

Flexible Spending Account

lpfsa

lpfsa

How to Optimize your FSA

How to Optimize your FSA

Dependent Care Reimbursement Account (DCRA)


Plan Details are as follows:

  • You can contribute up to $5,000 annually or limited to $2,500 if you are married and file separate tax returns.
  • The plan includes a Grace Period which allows you to incur and submit expenses using your 2024 funds until March 15, 2025.
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2023.
  • You only have access to the funds of which you have paid into the account.
  • Any unused funds are forfeited.
Dependent Care FSA

Dependent Care FSA

Dental

BCBSM-Blue Dental (Group #007023804) | 888.826.8152 | mibluedentist.com 


Preh, Inc's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include 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.


If you are already enrolled in one of the Preh, Inc Blue Dental (BCBSM) Dental plans today and have not already done so, please be sure to register through the Blue Dental member portal where you can access important information pertaining to your dental plan with Blue Dental including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Blue Dental portal as of your effective date of coverage.

Dental Plan Overview

Preh's group dental plan provides comprehensive coverage to help you and your family maintain good dental health. For 2023/2024, Blue Dental (BCBSM) will remain as our Dental carrier.


Below is a high-level overview of your plan options and benefit information:



What are Preventive Services? Routine oral exams and cleanings, x-rays, sealants & fluoride treatments

What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings, prosthetic maintenance

What are Major Services? Prosthodontics, crowns, dentures, implants & bridges


To find out if your provider is in-network, please visit the website below.

BCBS Dental Benefit Summary

BCBS Dental Benefit Summary

Blue Dental Provider Search

Blue Dental Provider Search

Blue Cross Member Portal

Your coverage must be active to register

Blue Cross Member Portal

Your coverage must be active t ...

Providers & Networks

Blue Dental offers one of the nation's largest dental networks: Blue Dental PPO. Plus, you will not be balance billed if you see a Tier 1/PPO or Tier 2/Blue Par Select provider. If you do choose to visit a nonparticipating dentist, you may be balance billed and may have to pay more out of pocket.


Locate a participating provider by using the button below, select Tier 1/PPO or Tier 2/Blue Par Select.

Dental insurance Overview Video

Dental insurance Overview Video

Vision

NVA-National Vision Administrators (Group # 51704) | 800.672.7723 | www.e-nva.com


Preh, Inc offers vision coverage through NVA to help pay for eye exams, prescription glasses and contact lenses. NVA also provides discounts for Hearing Care and Lasik.


If you are already enrolled in one of the Preh, Inc's NVA vision plan today and have not already done so, please be sure to register through the NVA member portal where you can access important information pertaining to your vision plan with NVA including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the NVA portal as of your effective date of coverage.


Below is a high-level overview of your plan and in-network benefits:


NVA Member Portal

Log In/Register

NVA Member Portal

Log In/Register

NVA Vision Providers

Use Group #: 51704

NVA Vision Providers

Use Group #: 51704

NVA Vision Summary

NVA Vision Summary

Financial Protection

Preh, Inc understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

Life/AD&D

OneAmerica

OneAmerica Group # 617362 | 800.553.5318 | www.oneamerica.com


Life/AD&D: 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.


  • Basic Life/AD&D Employer Provided Benefit - No Cost to You
  • $50,000 Life/AD&D Benefit | Reduces by 35% at age 65 and 50% at age 70
  • Voluntary Benefit - Costs are based on Age and Amount of Coverage
  • Employee: $10,000 increments up to the lesser of 5 x income or $250,000
  • Spouse: $5,000 increments not to exceed the lesser of your amount or $125,000
  • Child: $10,000


  • Evidence of Insurability (EOI) is required for increases in excess of 1 increment during open enrollment and for those electing voluntary life for the first time after initially waiving the 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.
  • *Guarantee Issue only applies to new hires or newly eligible spouses (due to marriage) electing benefits for the first time; or, when increasing benefits during open enrollment.
Basic Life Summary

Basic Life Summary

Disability

OneAmerica

OneAmerica (Group # 617362 | 800.553.5318 | www.oneamerica.com


Preh, Inc provides both Short & Long Term Disability benefits at no cost to you!


Short Term Disability: 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.


  • STD Employer Provided Benefit - No Cost to You
  • Benefits will begin on the 1st day of an accident and on the 8th day of an illness (subject to an approved claim)
  • 60% of your weekly earnings up to $1,000 weekly benefit
  • Benefit is payable for up to 12 weeks


Long Term Disability: 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. 


  • LTD Employer Provided Benefit - No Cost to You
  • Benefits will begin on the 91st day of a qualifying accident or illness
  • 60% of your monthly earnings up to $10,000 monthly benefit
  • Benefit is payable to Social Security Full Retirement Age, a reduced benefit duration will apply if you are still actively working upon your retirement age
  • Pre-Existing Condition Limitation 6/12: Benefits will not be paid if the disability begins in the first 12 months of coverage and the disability is caused by, contributed to by, or the result of a condition for which medical treatment was received in the 6 month period just period to the effective date of coverage.


Please consult your Employee Benefits Guide and review the benefit summaries for additional details.



Short Term Disability Summary

Short Term Disability Summary

Long Term Disability Summary

Long Term Disability Summary

Disability Claim Form & Instructions

Disability Claim Form & Instructions

Critical Illness

Guardian | Group #469145 | 888.482.7342 | www.guardianlife.com


Preh, Inc provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to you. These benefits are paid for through payroll deduction on a post tax basis so that the benefits are tax free.


Critical Illness coverage can help ease the financial burden of surviving a critical illness by providing financial resources to help with medical costs or ongoing living expenses. This plan can help you focus on recovery instead of the distraction of out of pocket costs. Some of the benefits of the Critical Illness coverage include:


  • Once approved, benefit payments are sent directly to the enrollee
  • Coverage for such illnesses as cancer, heart attack, stroke, kidney failure and more
  • Coverage is available for you, your spouse and dependent children
  • Rates vary based on age and coverage amount
Critical Illness Benefit Summary

Critical Illness Benefit Summary

Critical Illness Overview Video

Critical Illness Overview Video

Personal Support & Assistance

Preh, Inc realizes that your needs go beyond just the standard insurance. This is why we also provide all employees and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program and Travel Assistance resources, both to give you peace of mind and support when you need it the most!

Employee Assistance Plan (EAP)

Call: 855.387.9727 | TDD: 800.697.0353 | guidanceresources.com


Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services through OneAmerica. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.


Services include:

  • Up to 3 in person counseling sessions
  • Financial Information & Resources
  • Legal Support & Resources
  • Work-Life Solutions
  • GuidanceResources Online
  • Free Online Will Preparation


EAP Flyer

EAP Flyer

Travel Assistance

On Call International - OneAmerica

US Toll Free: 866.816.2103 | Worldwide Collect: 603.328.1754


All employees and their families have access to use the Travel Assistance services. Travel assistance services are provided by On Call International (On Call). On Call is a 24-hour, toll-free service that provides a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and many other emergencies you may encounter when you travel. On Call also offers pre-trip assistance including passport/visa requirements, foreign currency and weather information. To be eligible to utilize these services you must be traveling 100 or more miles from home or in a foreign country.


Services include, but are not limited to:


  • Pre-trip information
  • 24/7 emergency travel arrangements
  • Translator and interpreter referral
  • Emergency travel funds assistance
  • Legal consultation and referral
  • Lost or stolen travel documents assistance
  • Emergency messaging
  • Lost luggage assistance


Please review the flyer below for more information.

Travel Assistance flyer

Travel Assistance flyer

Additional Educational Videos

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read an EOB

How to Read an EOB

What is Balance Billing?

What is Balance Billing?

401k

401k

COBRA

COBRA

How to stretch your healthcare dollars

How to stretch your healthcare dollars

FMLA

FMLA

Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described 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 benefits 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.


Powered By

Insurance services provided through NFP Insurance Services, Inc. (NFPISI), a subsidiary of NFP Corp (NFP). NFP and its subsidiaries do not provide tax or legal advice. This material was created to provide a summary of the subjects covered, but should not be regarded as a complete analysis of these subjects. The services of an appropriate professional should be sought regarding your individual situation.
Copyright © 2025 NFP Corp. All Rights Reserved.