Table of Content

Header
WELCOME
1. WELCOME
ELIGIBILITY AND ENROLLMENT
1. Eligibility
2. Enrollment
3. Employee Contributions
MEDICAL/Rx
1. Medical
2. Prescriptions
3. Additional Resources
VIRTUAL VISITS
1. Costs of Virtual Visits
HEALTH SAVINGS ACCOUNTS
DENTAL
VISION
LIFE AND DISABILITY
1. Life and AD&D
2. Disability
ADDITIONAL BENEFITS
1. Employee Assistance Program
2. Travel Services
3. LifeKeys
CONTACT INFORMATION
1. Carrier Contacts
2. Contact Us
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Special Benefits Enrollment for Union (AFP) Employees effective 4/1/2023

Enrollment runs from March 23, 2023 through March 28, 2023.

ENROLLMENT

All team members have access to our online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.

Please note that this is a passive open enrollment. The benefits you currently have in place will automatically carry forward effective April 1, 2023. You do not need to go online if you do not want to make any changes to your benefit elections. However, if you want to enroll in benefits or make changes to your existing coverage, you may do so, and you must go online and make elections.

WELCOME

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

View Your Benefit Guide Here

View Your Benefit Highlighter Here

ELIGIBILITY AND ENROLLMENT

Eligibility

All full-time employees working at least 30 hours per week are eligible to participate in the benefit plans offered by AirBoss. 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 month in which the child turns 26
Child Life Insurance: Until the last day of the year in which the child turns 21, or 25 if the child is a full-time student
Child AD&D: Until the end of the year in which the child turns 26

If you are enrolling a spouse or a child, please note that AirBoss will be conducting a dependent audit in 2023. You will be required to provide documentation, at a later time, to cover any spouse or child under the plan. Acceptable forms of documentation include, but are not limited to: marriage license, birth certificate, adoption papers, judgments of divorce, etc.

Enrollment

Action Required: All elections must be submitted by 11:59 p.m. March 28, 2023

ENROLLMENT INSTRUCTIONS:

Go to www.flexible-productsconnection.com
Enter your User ID: First Initial + Last Name
Enter your Password: Last 4 digits of your SSN
Follow instructions and enroll in your benefits
Make sure to save your elections and print your confirmation statement

The elections you make can only be changed 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 Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes online within 30 days of the event.

Contact Human Resources if you have questions about Qualifying Life Events.

What is a Qualifying Event?

Employee Contributions

Pre-Tax Contributions

You share in the cost of your Medical and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth in each section below.

MEDICAL/Rx

BCBSM | Group #007008266 | (877) 790-2583 | www.bcbsm.com

The two medical options, both through Blue Cross Blue Shield of Michigan (BCBSM) are:

PPO 500
PPO HSA 1500

Medical

Both medical options are PPOs. A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance. In order to comply with IRS regulations for high deductible health plans, the deductible on the PPO HSA will increase from $1,400/$2,800 to $1,500/$3,000.

Please note: if you do not make changes to your current medical election, you will still be able to use your current ID card in 2023. If you make changes, your new ID card may not arrive before April 1, 2023, but, rest assured, you will have benefits coverage.

A comparison of the options is below:

Prescriptions

The cost of prescription drugs depends on which option you are enrolled in.

In addition, if you need a specialty medication, you can contact AllianceRx Walgreens Prime by calling (866) 249-5367, which will support you with:

scheduling delivery times and locations
finding financial assistance options
assisting with prior authorizations
managing medication side effects

Register with AllianceRx

Additional Resources

Register with BCBSM

Find a Provider

Blue 365 Member Discounts

Blues Wellbeing

HDHP vs. PPO

HDHP with HSA

VIRTUAL VISITS

Both medical benefit options allow you to see a provider virtually from your mobile device or your computer. You can use virtual visits when you have a non-emergency condition and:

your doctor is not available;
you become ill while traveling; or
you are considering visiting a hospital emergency room for a non-emergency health condition.

Some examples of non-emergency conditions that can be treated through virtual care:

bladder infection
bronchitis
fever
rash
flu
sore through
stomach ache

Virtual care is provided through BCBSM Online Visits. To access BCBSM Online Visits, click the link here, download the app to your mobile device, or call (844) 606-1608.

BCBSM Online Visits

Costs of Virtual Visits

Medical Visits

Non-HSA Plan: Equal to your Office Visit Copay
HSA Plan: 20% coinsurance applies after satisfying deductible

Mental Health Visits

Non-HSA Plan: Equal to your Office Visit Copay
HSA Plan:

-Therapy Visits: $85 (Masters Level) or $99 (Doctorates Level) – Once your deductible is satisfied, coinsurance will apply if applicable

-Psychiatry Visits: $199 for initial visit and $95 for follow up visits – Once your deductible is satisfied, coinsurance will apply if applicable Licensed

For all types of visits and both plan options, prescription copays apply if medication is prescribed.

HEALTH SAVINGS ACCOUNTS

Health Equity | (866) 346-5800 | www.healthequity.com

If you enroll in the PPO HSA 1500 plan, the Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money. In addition, Airboss will contribute to your HSA.

To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:

You must be covered by a Qualified High Deductible Health Plan
You cannot be covered by another health plan (including if your spouse has a health care Flexible Spending Account)
You cannot be covered by Medicare or Medicaid
You cannot be eligible to be claimed as a tax dependent
You must have not received VA benefits in the past 90 days

HSA IRS Maximums for 2023 are as follows (any employer contributions to the HSA will apply to the maximum noted below):

$3,850 for employee only coverage
$7,750 for two person or family coverage
$1,000 "Catch Up" contribution for those age 55+

AirBoss will contribute to your HSA as follows:

$500 for employee only coverage
$1,000 for two person or family coverage

Health Savings Accounts

DENTAL

Delta Dental | Group #7792 | (800) 524-0149 | www.deltadentalmi.com

Dental Benefits through Delta Dental of Michigan provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater if you go to an in-network provider.

A comparison of the costs based on providers is below:

Find a Dentist

Member Portal

VISION

VSP | Group #007008266 | (800) 877-7195 | www.vsp.com

AirBoss offers Vision coverage through VSP to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations.

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

Find a Doctor

Member Portal

LIFE AND DISABILITY

Lincoln Financial | Group #287463 | www.lfg.com

We provide you with financial protection benefits with Basic Life insurance and Accidental Death & Dismemberment (AD&D) insurance and Short Term Disability benefits with Lincoln Financial.

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.

Register with Lincoln Financial

Life and AD&D

Basic Life/AD&D

You are automatically enrolled in Basic Life and AD&D insurance benefits. Your Basic Life Insurance benefit is $50,000 (reduced if you are age 70 or older), and the amount of your AD&D benefit is equal to your Life insurance. You do not need to enroll in these benefits as they are provided at no cost to you.

Disability

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. The amount of your Short Term Disability benefit depends on whether you are classified as Union (under 1 year) or Union (over 1 year). Please see below for information on your benefit.

ADDITIONAL BENEFITS

The resources below are provided to employees at no additional cost to you.

Employee Assistance Program

Ulliance | (800) 448-8326 | www.lifeadvisor.com

All employees are eligible for the Ulliance Life Advisor EAP (employee assistance program). The EAP provides well-being services to employees, spouses and children at no cost.

EAP

Travel Services

TravelConnect | (866) 525-1955 | www.mysearchlightportal.com

The TravelConnect program can bring help, comfort and reassurance if you face a medical emergency while traveling 100 or more miles away from home.

MySearchLightPortal

LFGTravel123

MySearchLightPortal

LFGTravel123

TravelConnect

LifeKeys

Guidance Resources | (855) 891-3684 | www.guidanceresources.com

All employees and their families have access to use the LifeKeys services through GuidanceResources. When you call the toll-free line, you will talk to an experienced professionals who can provide you with advice and referrals for grief counseling, legal support and financial services. Click the link below for additional information.

LifeKeys

GuidanceResources

CONTACT INFORMATION

Carrier Contacts

Contact information for each carrier is conveniently located below: