Wolverine Human Services

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT NEWS!
  3. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  4. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Carrier Resources & Education
  5. Virtual Care Solutions
    1. Virtual Care
    2. Diabetes & Hypertension
    3. myStrength
  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. Vision Plan Overview
    2. Network & Resources
  9. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  10. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
  11. Wellbeing
  12. Additional Educational Videos
  13. Have Questions?
  14. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Wolverine Human Services. 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. Wolverine 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. 

Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2026!

Eligibility & Enrollment

Eligibility

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

Children are eligible for benefits as follows:

  • Medical, Dental and Vision: Until the last day of the year in which the child turns 26
  • Dependent Child Life Insurance & AD&D: until age 26
  • Accident, Critical Illness, Hospital Indemnity: until age 26
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Enrollment

ENROLLMENT INSTRUCTIONS:

  1. You will receive emailed instructions on how to access to Paycom enrollment tool
  2. Enter your User ID
  3. Enter your Password
  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 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

Blue Care Network (BCN)

Group #00160293 | (800) 662.6667 | www.bcbsm.com

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 are Health Maintenance Organizations (HMO). All enrolling members are required to select a Primary Care Physician. View the Providers & Networks for more information on network and provider requirements as well as buttons to locate participating providers.

If you are already enrolled in one of the BCN medical plans today and have not already done so, please be sure to register through the member portal where you can access important information pertaining to your medical plans, 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 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.

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 going to the BCBSM portal under the medications tab.

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 are HMO's. HMO's only provide out-of-network coverage in the event of a true emergency. 

These plans also require you to select a Primary Care Physician (PCP). Each covered member of your family may designate their own PCP. If you do not select a Primary Care Physician at time of enrollment, BCN will assign one to you. You can change your PCP directly with BCN, find more information here.

If you need to see a specialist, you must obtain a referral from your PCP. Members may self-refer to in-network OBGYN's without a referral.

Instructions and tips for locating participating providers below -- 

  • 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"

Carrier Resources & Education

Blue 365 Who doesn't enjoy discounts? As a BCBSM/BCN member you can take advantage of exclusive discounts for a variety of things like virtual fitness classes, healthy food, and much more! Click the "Blue 365" button below to learn more.


Iris Cancer is difficult to navigate, emotionally and physically. That’s why BCBSM is 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. Click the "Iris" button below to learn more.


Maven For maternity or menopause support, please click the "Maven" buttons below. 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. Click the "Sempre Rx" button below to learn more.


Pillar Rx 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. Click the "Pillar Rx" button below to learn more.


Tobacco Coaching Quitting tobacco is difficult. BCBSM has a program to help you through this journey. Click the "Quit Tobacco" button below for more information.


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. Click the "AbleTo" button below to learn more.

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HDHP+HSA

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Preventive Care

Preventive Care

Blues Wellbeing

Member Mental Health Resources

Blues Wellbeing

Member Mental Health Resources

Need your ID Card?

Need your ID Card?

Virtual Care Solutions

Virtual Care through Teladoc Health

Members will continue to get the same urgent and behavioral health virtual care that they do today but with a new look and feel with better integration with other virtual care solutions.

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

The Virtual Care Solutions will provide members with a single virtual front door to a spectrum of solutions through Teladoc Health and put the member at the center of the health care ecosystem. In addition to traditional virtual visits, the new program will include the below with the Teladoc Health experience: 

  • Livongo diabetes, prediabetes and hypertension solutions
  • myStrength Resiliency

 ***These programs are only available to those who are covered by a medical plan offered by Wolverine Human Services***

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Download the APP

Virtual Care

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

Diabetes & Hypertension

Empowering those with chronic conditions, including, diabetes and high blood pressure, to live better, healthier lives with the aid of advanced technology, personalized recommendations and real time communication.

Take charge of your....

  •  HYPERTENSION MANAGEMENT Dyslipidemia | Weight Management | Mental Health
  • PRE-DIABETES MANAGEMENT Hypertension | Dyslipidemia | Weight Management | Mental Health
  • DIABETES MANAGEMENT Hypertension | Dyslipidemia | Weight Management | Mental Health

Livongo support includes...

  •  Diabetes Connected meter with unlimited testing strips, personalized insights and 24/7 support.
  • Hypertension Connected monitor with personalized insights and access to expert health coaches.
  • Weight Management & Diabetes Prevention Connected smart scale, weight & steps tracking, food logging, CDC approved lessons, access to expert health coaches.
  • Mental Health  Evidence based interactive programs, tracking tools, and access to dedicated coaches.
Download the APP

A flexible and comprehensive digital program with proven tools and dedicated support for stress, depression, sleep and more!


MyStrength is a website and app that you can access anytime, anywhere — even from the comfort of your home. After a short questionnaire, you’ll get a fully customized program that’s tailored to your needs. You can even track your progress along the way, read stories of hope and see other inspirational content. 

Download the APP

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 Wolverine.

Health Savings Account (HSA)

Health Equity

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

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 HSA 3300 & the BCN HMO HSA 6350 are both qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.

 Triple Tax Free!

  1. Pre-tax funds added to your account through payroll deduction
  2. Funds can be used tax free if used on qualifying medical expenses
  3. Interest earned on the funds in your account are tax free

 

HSA Eligibility

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

 HSA Key Advantages

You own the account.

Funds roll over year to year – you never forfeit unused funds.

You take the account with you.

Eligibility rules are only for putting money in the account tax free. If you no longer are eligible to put money in the account, you can still use you HSA funds for qualifying medical expenses tax free!

*HSA IRS Maximums are as follows and are on a calendar year basis.

$4,400 for a single contract | $8,750 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 Wolverine 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

Flexible Spending Accounts (FSA)

iSolved

800.300.3838 | www.isolvedbenefitservices.com

The Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is you have access to the full annualized amount on day one!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, if you get married, you can increase your contribution, however, you cannot decrease or end your FSA for this type of life event. 

There are two types of FSA options:

  • General Purpose FSA: To pay for qualifying medical, dental, and vision expenses. This type of FSA is only available if you do not have an HSA. HMO $2000 plan compatible.
  • Limited Purpose FSA: To pay for qualifying dental, vision, and post-deductible expenses. This type of FSA is available for those who have an HSA. HMO HSA $3300 and HMO HSA $6350 plan compatible.

Plan Details are as follows:

  • You can contribute up to $3,400 annually.
  • At the end of the 2025 plan year, if you have not used all of your FSA funds, a maximum of $680 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 12/31/2025.
  • 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.

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

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Dependent Care Reimbursement Account (DCRA)

iSolved

800.300.3838 | www.isolvedbenefitservices.com

The Dependent Care Reimbursement Account (DCRA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses. Qualifying expenses include daycare, nursery & preschool tuition, summer day camps, and more!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, you can increase your contribution if you add another member to your family through birth or adoption, however, you cannot decrease your contribution for this type of life event. 

Plan Details are as follows:

  • You can contribute up to $7,500 annually or limited to $3,750 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 2025 funds until March 15, 2026.
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2025.
  • You only have access to the funds of which you have paid into the account.
  • Any unused funds are forfeited.
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Dental

Ameritas

888.808.5080 | www.ameritas.com

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

Ameritas Member Portal

Log-In/Register Here!

Ameritas Member Portal

Log-In/Register Here!

Dental Plans Overview

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? Fillings, Crown Repair, Root Canals, Bite Guards

What are Major Services? Crowns, dentures, implants & bridges

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

Ameritas offers access to a large network of participating dentists. You have the choice to see in-network or out-of-network dentists. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.


Locate a participating provider by using the button below.

Carrier Resources & Education

Pre-Treatment Estimate: While Ameritas require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed.

Hearing Savings: With your Ameritas plan, you can receive hearing aid discounts through Great Hearing Benefits at their 4,500+ hearing care locations nationwide. Call 877-683-9495 for your free hearing consultation today. This savings arrangement is not insurance. It is available to members at no additional cost to their plan premium. Highlights include: hearing exam for only $50 (saves you $100 off the industry average of $150), up to 50% off retail pricing on today’s top hearing technology, plus a satisfaction guarantee and warranty service. Visit greathearingbenefits.com/ameritas to learn more.

Member FAQ

Member FAQ

Cost Estimator Tool

Cost Estimator Tool

Hearing Discounts

Hearing Discounts

Vision

NVA

(800) 672-7723 | www.e-nva.com

Wolverine Human Services 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 the WHS'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.

NVA Member Portal

Log In/Register

NVA Member Portal

Log In/Register

Vision Plan Overview

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

Network & Resources

You may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to NVA for the applicable reimbursement based on the out-of-network reimbursement schedule.

Locate a participating provider using the button below.

Member FAQ

Member FAQ

Hearing Discount

Hearing Discount

Lasik Discount

Lasik Discount

Financial Protection

Lincoln Financial Group

800.423.2765 | www.lincolnfinancial.com

Wolverine 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. We also offer Short-Term Disability insurance to eligible employees of which we pick up a portion of the cost. 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

A sudden accident or death can leave you or your loved ones in a vulnerable position. Wolverine provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of $10,000 at no cost to you. Employees have the opportunity to enroll in additional 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.

Employee: $10,000 increments, not to exceed $500k or 5x your earnings; guarantee issue is $150,000*

Spouse: $5,000 increments, not to exceed 100% of employee election or $250,000; guarantee issue is $25,000*

Child: $2,000 increments, not to exceed $10,000

Evidence of Insurability (EOI) is required for increases in excess of 2 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. Employees are eligible to elect $10,000 for the first time after previously waiving coverage OR may increase benefit amount by $10,000, not to exceed the guaranteed issue amount, during the open enrollment period with no evidence of insurability.

Disability

Lincoln Financial (LFG)

Wolverine offers Short Term Disability benefits of which they cover a portion of the cost!

Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. 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.

Below are highlights of this benefit, please view the benefit summaries for more details.

Voluntary Short-Term Disability

Benefits begin on the 15th day of an approved accident or illness claim

Benefit amount is 66.67% of your weekly income up to $550 per week

Benefits may last up to 11 weeks

Wolverine covers 30% of the cost for this benefit

Voluntary Benefits

Wolverine 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.

Accident, Critical Illness, & Hospital coverage is provided through Lincoln Financial Group (LFG). Hopefully you are never in the position to use it, but if you were to experience an accident, illness, or hospitalization, it could end up costing you a lot of money. With these plans, you will be paid money for qualifying situations/services to cover out of pocket expenses or you may use the funds for whatever you like.

Accident Provides cash benefits for qualifying accidents and follow up care such as broken bones, sprains, burns and more.

Critical Illness Provides a cash benefit for qualifying illnesses such as heart attacks, strokes, organ failure, cancer and more.

Hospital Indemnity Provides a cash benefit for qualifying hospital admissions and confinements.

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Personal Support & Assistance

Wolverine understands 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)

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EmployeeConnect

Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services. 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. 

  • Includes up to 5 face-to-face visits per person per year
  • Unlimited Referrals for child, pet, and elder care
  • Unlimited referrals for personal services and community resources 
  • Legals services and support
  • Plus much more!

Call 888.628.4824 for more info and to take advantage of these free services when you need them most.

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 Wolverine Human Services, 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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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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