Northgate

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Wellbeing
  4. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  5. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Virtual Care
    5. Virtual Visits
    6. Carrier Resources & Education
  6. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  7. Dental
    1. Dental Plans Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  8. Vision
    1. Network & Resources
  9. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  10. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  11. 401k
  12. Additional Educational Videos
  13. Have Questions?
  14. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Northgate. Northgate is 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.

Northgate 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.

Below are highlights of the new changes that will be effective January 1, 2025:

  • Medical is still offered through BCBSM, PPO HSA 1500 is moving to PPO HSA 1600 and POS HSA 1500 is moving to POS HSA 1600, due to Federal regulations.
  • Dental will still have a High and Low plan options, small increase in contributions
  • Vision will still be offered through BCBSM, no changes
  • Life/AD&D, Disability, and Voluntary Benefits will still be with Prudential, no changes

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

Wellbeing

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At Northgate, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.


To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.


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Eligibility & Enrollment

All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Northgate. For new employees, benefits are effective on the 1st of the month following 60 days from your date of hire. 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 calendar year in which the child turns 26
  • Voluntary Life: Age 19, or 25 if full time student

Should your employment with Northgate end, your coverage will end as of the date of termination.

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Log Into ADP

Make Your Open Enrollment Elections Here

Log Into ADP

Make Your Open Enrollment Elec ...

ENROLLMENT INSTRUCTIONS:

  1. Go to www.adp.com
  2. Enter your User ID: Your e-mail
  3. Enter your Password: You will set when you login
  4. Follow instructions and enroll in your benefits
  5. Make sure to save your elections and print your confirmation statement.

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 Life 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.

Medical & Rx

BCBSM & BCN

Blue Cross Blue Shield of MI (BCBSM) 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, a POS plan, and an HMO 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 Northgate 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.

2025 Medical/Rx Updates and Changes:

  • PPO Plan: Coinsurance adjustment from 100%/0% to 90%/10%
  • HMO Plan: Copay adjustments
  • New! POS Plan: More flexibility than the HMO plan
  • Maternity Support through Maven (a BCBSM partner)
  • Rx Discounts for Chronic Conditions
BCBSM/BCN Member Portal

Your coverage must be active to register

BCBSM/BCN Member Portal

Your coverage must be active t ...

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.

Look up your prescriptions by viewing the BCBSM 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.

BCBSM Drug List

BCBSM Drug List

The three medical plans function differently when it comes to networks and access. The PPO and POS plans 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.

Instructions and tips for locating participating providers below --

  • PPO PROVIDERS Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "PPO Plans"
  • POS MI PROVIDERS Use this button if you are a MI Resident electing a POS Plan or a non-MI resident traveling to MI. Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "Blue Care Network HMO & POS Plans"
  • POS NON-MI PROVIDERS Use this button if you live outside of MI or are a MI resident traveling outside of MI. Enter your zip code and select "Yes this is Correct" - then rather than entering your card information, select "Browse a list of plans" and select "BlueCard Traditional"
  • HMO PROVIDERS Available to MI residents only. Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "Blue Care Network HMO & POS Plans"
ppo hmo pos

ppo hmo pos

Traditional virtual visits so you can get the care you need when you need it the most!


Virtual Urgent Care

When you have an urgent care need, Teladoc has you covered 24/7 from wherever you are, whether it be at home or while traveling! Common conditions where Virtual Care can be used for urgent care needs include colds, sore throats, urinary tract infections, pink eye, sinus infections, rashes, and more! Visits are available for adults and children.


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. Mental health visits require an appointment, but many therapists and psychiatrists have evening and weekend availability.


Family members ages 18 and older will need to create their own Virtual Care accounts. When updating or creating an account, choose your plan name and enter your member ID so your coverage is applied correctly. Call 1-800-835-2362 with any questions about your account or to arrange a telephone visit

Download the APP

Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

HDHP+HSA

HDHP+HSA

pc us er

pc us er

Blues Wellbeing

Member Mental Health Resources

Blues Wellbeing

Member Mental Health Resources

Blue 365

Member Discounts

Blue 365

Member Discounts

Sempre Rx Discounts

Sempre Rx Discounts

Preventive Care

Preventive Care

PPO Rewards

PPO Rewards

Diabetes Support

Code: BLUECROSSMI-START

Diabetes Support

Code: BLUECROSSMI-START

Maven | Maternity Support

Maven | Maternity Support

Need your ID Card?

Need your ID Card?

Accounts

Health Equity

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


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 Northgate.

A Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for Qualified Medical 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

2024 HSA IRS Maximums are as follows:

$4,150 for a single contract

$8,300 for a two person or family

2024 Employer Contribution:

Single: $250

Two Person/Family: $500

$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 Northgate 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

Ameritas

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

Ameritas Member Portal

Log-In/Register Here!

Ameritas Member Portal

Log-In/Register Here!

You have the choice of two dental plans - The Core Plan includes a deductible (for basic and major services only), no ortho coverage, higher cost sharing for your basic and major services, and a lower annual maximum - OR - The Buy-Up Plan. The Buy-Up plan has no deductible, richer benefits for basic and major services, orthodontia coverage is included for dependents (through age 19), and a higher annual maximum


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


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

Vision

BCBSM through VSP

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


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


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


VSP Portal

Log In/Register

VSP Portal

Log In/Register

Financial Protection

Northgate 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.

Prudential

Northgate provides you with financial protection options for life, accidental death & dismemberment, short-term disability and long-term disability with Prudential.

Company Paid Life/AD&D

Northgate provides all eligible employees with Life Insurance to provide your loved ones some financial relief. Accidental Death and Dismemberment pays in addition to Life if your death is deemed an accident and dismemberment pays a partial amount to you. Coverage amount is 1x annual salary up to $50,000, see Benefit Summary for more details.

Voluntary Life/AD&D

Employees also have the opportunity to enroll in Voluntary 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 this employee paid coverage, this will be in addition to your employer provided Basic Life/AD&D described above. See Benefit Summary for details and ADP for rates.

  • 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. You are eligible to increase your benefits by 1 increment, not to exceed the guarantee issue amount, during the 2023 open enrollment period with no evidence of insurability.
Prudential

Northgate 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. Benefits begin on the 8th day of an accident or illness, will be paid for up to 12 weeks and can cover 60% of your weekly income up to the max amount. See ADP or Benefit Summary for more details and exclusions.


Long-Term Disability

Illnesses or accidents can disrupt 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 lost income, so you have financial support to manage your disability and your household. Benefits begin after 90 days and can cover 60% of your monthly earnings up to the max amount, for as long as you are disabled or until you reach your Social Security Retirement Age. See ADP or Benefit Summary for more details and exclusions.

Prudential

Northgate 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 employees. Additional benefits include:


ACCIDENT INSURANCE

Our coverage pays you cash benefits that correspond with hospital and intensive care confinement. Your plan may also include coverage for a variety of occurrences, such as: dismemberment; dislocation or fracture; ambulance services; physical therapy and more. The cash benefits can be used to help pay for deductibles, treatment, rent and more.


CRITICAL ILLNESS INSURANCE

You choose benefits to protect yourself and any family members if diagnosed with a critical illness. Then, if diagnosed with a covered critical illness, you will receive a cash benefit based on the percentage payable for the condition.


HOSPITAL INDEMNITY INSURANCE

Our Hospital Indemnity insurance pays a cash benefit for hospital confinements. This benefit is payable directly to you and can keep you from withdrawing money from your personal bank account or your Health Savings Account (HSA) for hospital-related expenses. It is increasingly important to not only protect your finances if faced with an unexpected illness, but also to empower yourself to seek the necessary treatment.


See plan summaries below for additional details.

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hi

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Personal Support & Assistance

Northgate 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!

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GuidanceResources

Personal problems, planning for life events or simply managing daily life can affect your work, health and family. GuidanceResources is a company-sponsored service that is available to you and your dependents, at no cost, to provide confidential support, resources and information to get through life's challenges.

Phone: 1 (800) 311-4327

Online: www.guidanceresources.com

Company Web ID: GEN311

IMG

An indispensable offering available to you and your dependents. IMG has extensive experience handling complex and remote medical transport situations, as well as providing support for travel concerns when they arise. Our team of international, multilingual specialists are accustomed to working across time zones and with different languages and currencies. Utilizing IMG’s extensive global network of medical care providers, our onsite 24/7/365 U.S.-based call center is available day or night to provide high-quality care you can depend on.


Toll-free within the U.S.: 1 (855) 847-2194

From anywhere in the world: 1 (317) 927-6881

Email: assist@imglobal.com

Additional Educational Videos

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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