Deporre

Table of Content

  1. Header
  2. Welcome
  3. Eligibility & Enrollment
    1. Eligibility
    2. How To Enroll
  4. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Virtual Care
    5. BCBSM Program & Perks
    6. Education
    7. Virtual Visits
  5. Accounts
    1. Health Savings Account (HSA)
  6. Dental
    1. Dental Plan Overview
    2. Providers & Networks
  7. Vision
    1. Vision Plan Overview
    2. Network & Resources
  8. Financial Protection
    1. Life/AD&D
  9. Additional Educational Videos
  10. Have Questions?
  11. Footer

Welcome

Helping you and your family reach and maintain good health is very important to DePorre Veterinary Hospital. 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. DePorre Veterinary Hospital 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. Highlights of the 2025 benefit plans include:

  • Medical Plans will remain through BCBSM/BCN
  • PPO Gold 2000, Contribution Changes
  • HMO HSA 6350, Contribution Changes
  • HMO 2000, Contribution Changes
  • Dental Plan will remain through BCBSM
  • Vision Plan will remain through BCBSM
  • Life/AD&D will remain through Guardian
  • NEW! IRS HSA Limit

Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!

Eligibility

All FULL-TIME employees working at least 30 hours per week are eligible to participate in the benefit plans offered by DePorre Veterinary Hospital. Newly hired employees will be eligible 91st day of full-time employment. When you enroll in the benefits program, you may also cover your eligible dependents.

Dependent eligibility is as follows:

• Legal spouse

• Natural child or stepchild

• Legally adopted child, including a child placed in your home for the purpose of adoption

• Other child for whom the Employee has permanent, legal custody

Dependent Children are covered under the Medical, Dental and Vision until the last day of the year in which the child turns 26

Should your employment with DePorre Veterinary Hospital end, your coverage will end at the end of the month.

How To Enroll

ENROLLMENT INSTRUCTIONS:

  1. Review your Benefit Information
  2. Print or e-fill the attached Election Form (Election Form must be complete even if you are waiving coverage)
      1. Complete the Election Form
      2. Save the Form
      3. Provide to Sue Gerkey

The Benefit choices you make during your initial enrollment remain in effect for the entire plan 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.

Election Form

Election Form

Medical & Rx

BCBSM & BCN

BCBS Group #007008201 877-790-2583

BCN Group #0070000141890 800-662-6667

www.bcbsm.com

Blue Cross Blue Shield of MI (BCBSM) & Blue Care Network (BCN) will continue to be your medical and prescription carrier. You have the choice between three plans for the 2025 plan year. The three plan options include a PPO plan, and two HMO plans. 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 DePorre Veterinary Hospital BCBSM medical plans today and have not already done so, please be sure to register through the BCBSM member portal where you can access important information pertaining to your medical plans with BCBSM 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 BCBSM portal as of your effective date of coverage. Information on how to register can be found here.

BCBSM/BCN Member Portal

Your coverage must be active to register

BCBSM/BCN 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.

PPO 2000

BAAG

PPO 2000

BAAG

PPO 2000

SBC

PPO 2000

SBC

HMO 2000

BAAG

HMO 2000

BAAG

HMO 2000

SBC

HMO 2000

SBC

HMO HSA 3650

BAAG

HMO HSA 3650

BAAG

HMO HSA 3650

SBC

HMO HSA 3650

SBC

Rx Information

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 the member portal under medications.

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.

Providers & Networks

The three medical plans function differently when it comes to networks and access. The PPO plan provide out-of-network coverage for a variety of services, whereas the HMO only provides 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, POS, and HMO plans when it comes to networks and access.

PPO vs HMO

PPO vs HMO

Virtual Care

Deporre Veterinary Hospital provides those employees who are covered by one of the BCBSM medical plans access to virtual care with Teladoc Health (formerly known as BCBSM Online Visits). Teladoc Health provides members the opportunity to receive medical and mental health care from the comfort of your own home.

All eligible members will need to download the Teladoc Health app and create a new account with Teladoc Health.

Virtual Care:

Have a virtual visit with a U.S. board-certified doctor for minor illnesses such as colds, sore throats, urinary tract infections and pink eye. Visits are available for adults and children 24/7. Average wait time is 10 minutes. Prescriptions can be called in to your preferred pharmacy if needed.

Virtual Primary Care (Only available to PPO Members): 

See your PCP virtually, from the convenience and comfort of your home. You will receive, at no cost to you, a digital blood pressure monitor before your first visit. Appointments are available from 7 a.m. to 6 p.m. Monday through Friday, and 8 a.m. to 12 p.m. on Saturday.

Member Advantages

  • <7-day average wait time to see a PCP
  • Eliminating transportation costs and travel time
  • Build a relationship and receive quality care; average length of a new patient visit is 54 minutes
  • Manage their chronic conditions; 46% of follow up visits were for identified chronic conditions
  • Address their whole health needs; 20% of visits resulted in a referral to an in-network care provider and 53% used at least one other Teladoc service

Virtual Mental Health Services:

Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Appointments are available from 7 a.m. to 9 p.m., seven days a week. Therapy is available for members ages 13 and up. Psychiatry is available for members ages 18 and up.

Livongo:

A resource for those with hypertension, prediabetes, or diabetes. Some may qualify for a glucose monitor or scale, at no cost. See flyers for details.

myStrength:

A resiliency and behavioral health resources available to you for health needs including; depression, anxiety, substance abuse, chronic pain, and much more.

Download the App

BCBSM Program & Perks

The following programs are available to all BSBCM members.


Blue 365, is a discounts and rewards program offered to all BCBSM members, see link below to take advantage of virtual fitness classes, healthy food, and much more!


Also, check out PPO Rewards.


Iris Cancer is difficult to navigate, emotionally and physically. That’s why we’re working with OncoHealth® to introduce Cancer Support, a navigational program through OncoHealth’s virtual platform, Iris. Cancer Support is part of your health plan at no cost for you and your employees.



Maven, for maternity or menopause support, please see the Maven Flyers. Available to you and your spouse at no cost.


Sempre Rx This discount program focuses on certain drugs treating common chronic conditions where following doctors’ orders can improve your health and prevent serious complications.


You may be contacted by BCBSM via phone or mail to sign up for PillarRx, it's important you don't ignore these calls or letters. The team will only contact you when a drug you're taking is now under a 'co-pay assistance program' called PillarRx. If you don't register for PillarRx, which is free to do, you will be asked to pay a much higher copay than you are used to.


Tobacco Coaching Quitting tobacco is difficult. BCBSM has a program to help you through this journey.


AbleTo Virtual appointments with a licensed therapist who will guide you through a personalized 8-week program over phone or video to teach you skills and tools you can use to enjoy more of life.

Education

Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

pc us er

pc us er

Accounts

Health Equity

(866) 346-5800 | memberservices@healthequity.com | www.healthequity.com


You have the opportunity to contribute to a Health Savings Account (HSA) 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 DePorre Veterinary Hospital.

Health Savings Account (HSA)

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The BCN HMO 6350 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. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.

$4,300 for a single contract | $8,550 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 DePorre HSA's with Health Equity by completing this form.

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

HSA Overview

HSA Overview

HSA Store

HSA Store

Qualified Medical Expenses

Qualified Medical Expenses

Dental

BCBSM Dental

Group #007008201 | 800.524.0149 | www.bcbsm,com

DePorre Veterinary Hospital'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 DePorre BCBSM Dental plans today and have not already done so, please be sure to register through the BCBSM Dental member portal where you can access important information pertaining to your dental plan with BCBSM 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 Delta Dental portal as of your effective date of coverage.

BCBSM Member Portal

Log-In/Register Here!

BCBSM Member Portal

Log-In/Register Here!

Dental Plan Overview

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


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

Dental

Benefit Summary

Dental

Benefit Summary

Providers & Networks

If you choose to visit a nonparticipating provider, you may be balance billed and pay more. Search for an in-network provider using the link below.

Vision

BCBSM Vision through the VSP Network

Group #007008201 | 866.939.3633 | www.bcbsm.com

DePorre Veterinary Hospital offers vision coverage through BCBSM partnered with the VSP network to help pay for eye exams, prescription glasses and contact lenses. BCBSM also provides discounts for Hearing Care and Lasik.

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

BCBSM Portal

Log In/Register

BCBSM Portal

Log In/Register

Vision Plan Overview

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




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

Vision

Benefit Summary

Vision

Benefit Summary

Network & Resources

Financial Protection

DePorre Veterinary Hospital understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D coverage at no cost to you.

Life/AD&D

Guardian

(800) 351-7500 | www.guardianlife.com

Discussing what might happen to your family if you were not around to provide for them isn't always the easiest conversation, but it is necessary.

To help with the task of planning for your family’s security, DePorre Veterinary Hospital provides all eligible employees with Basic Group Life Insurance and Accidental Death & Dismemberment (AD&D) coverage through Guardian.

BASIC LIFE INSURANCE

Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. If you have life insurance, chances are you can take comfort in knowing that those who depend on you will be provided for.

BENEFICIARY(IES)

  • It’s very important to designate beneficiaries. Taking a few minutes to designate your beneficiaries now will help ensure that your assets will be distributed according to your direction. 
  • 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.
  • It is also important that you name a Primary and Contingent Beneficiary. A contingent beneficiary will receive the benefits of your life insurance if the primary beneficiary cannot. You can change beneficiaries at any time. 
  • You should review your beneficiary elections on a regular basis to ensure they are updated as life changes. Even if you are single, your beneficiary can use your Life Insurance to pay off your debts, such as: credit cards, mortgages, and other expenses.

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?

COBRA

COBRA

How to stretch your healthcare dollars

How to stretch your healthcare dollars

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.


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