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.
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.
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.
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
Additional Resources
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.
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
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:
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.
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.
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.
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.
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.
CONTACT INFORMATION
Carrier Contacts
Contact information for each carrier is conveniently located below:
BCBSM | Group #007008266 | (877) 790-2583 | www.bcbsm.com
Health Equity | (866) 346-5800 | www.healthequity.com
Delta Dental | Group #7792 | (800) 524-0149 | www.deltadentalmi.com
VSP | Group #007008266 | (800) 877-7195 | www.vsp.com
Lincoln Financial | Group #287463 | www.lfg.com
Ulliance | (800) 448-8326 | www.lifeadvisor.com
TravelConnect | (866) 525-1955 | www.mysearchlightportal.com
Guidance Resources | (855) 891-3684 | www.guidanceresources.com
Contact Us
As you consider your benefit options, please be sure to review all available information, including the videos and links found on this webpage. If you have questions or need assistance, please contact Human Resources