Aphase II

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 Visits
    5. 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
  10. Additional Educational Videos
  11. Have Questions?
  12. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Aphase II. 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. Aphase II 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 2025!

2025 Benefits Highlighter

2025 Benefits Highlighter

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 Whitesell Corporation, 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 FULL-TIME employees working at least 35 hours per week are eligible to participate in the benefit plans offered by Aphase II. 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: Age 19 or 25 if full a full-time student
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ENROLLMENT INSTRUCTIONS:

1. Review the information in this guide and benefit plan summaries.

2. You must complete and sign an enrollment form, even if you are waiving coverage.

3. You will not be allowed to make changes after the open enrollment window closes, unless you experience a qualifying life event.

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.

Contact Human Resources if you have questions about qualifying events.

2025 Enrollment Form

2025 Enrollment Form

SunLife Class 1 Enrollment Booklet

SunLife Class 1 Enrollment Booklet

SunLife Class 2 Enrollment Booklet

SunLife Class 2 Enrollment Booklet

Medical & Rx

Health Alliance Plan (HAP) | Group #10006514 (PPO) Group #10006513 (HMO) | www.hap.org 

HAP will be your medical and prescription carrier. You have the choice between four plans for the 2025 plan year. 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 enroll in one of the medical plans, please be sure to register through the HAP member portal where you can access important information, including participating providers, explanation of benefits, and your deductibles and out-of-pocket costs. 

  • Team members will have access to the HAP member portal as of January 1st.
  • Information on how to register online can be found here.
  • Aphase II is working hard to make sure that all team members have their new HAP ID cards before January 1st.
HAP Member Portal

HAP Member Portal

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.

2025 Medical
HMO HSA 2000 Benefit Summary

HMO HSA 2000 Benefit Summary

PPO HSA 2000 Benefit Summary

PPO HSA 2000 Benefit Summary

PPO HSA 5000 Benefit Summary

PPO HSA 5000 Benefit Summary

HMO HSA 5000 Benefit Summary

HMO HSA 5000 Benefit Summary

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.

SaveOnSP Program - HAP offers a money-saving benefit for members taking specialty medications. SaveOnSP is a specialty drug coupon program for HAP members that focuses on maximizing the assistance available from drug manufacturers to lower member cost for specified prescriptions.

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.

HAP Drug List

HAP Drug List

ppo hmo pos

ppo hmo pos

Amwell through HAP | 866.884.0528 | haptelehealth.org

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, Amwell 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.

To get access to these convenience services, visit haptelehealth.org - OR - you may call 866.884.0528. For service key, leave blank.

Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

HDHP+HSA

HDHP+HSA

pc us er

pc us er

Copay Assitance Program

Copay Assitance Program

ActiveFit

ActiveFit

Mobile App Flyer

Mobile App Flyer

Diabetes Support

Diabetes Support

Behavorial Health Resources

Behavorial Health Resources

Maternity Resources

Maternity Resources

Accounts

Health Equity

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

You have the opportunity to contribute to a savings account on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the HSA account offered by Aphase II.

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The HSA Medical Plans are 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 Aphase II HSA 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

Delta Dental

Group #8233 (EPO) and #1515 (PPO) | 800.524.0149 | www.deltadentalmi.com

Aphase II'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 Aphase II's Delta Dental plans today and have not already done so, please be sure to register through the Delta Dental member portal where you can access important information pertaining to your dental plan with Delta 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.

Delta Member Portal

Log-In/Register Here!

Delta Member Portal

Log-In/Register Here!

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.

2025 Dental
Dental Benefit POS Summary

Dental Benefit POS Summary

Dental Benefit EPO Summary

Dental Benefit EPO Summary

Delta Dental of Michigan offers the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier. Plus, you will not be balance billed if you see a PPO or Premier dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.

When traveling out of the United States you also have access to the Passport Dental program giving you access to a worldwide network of dentists. English-speaking operators are available to help you access care. Delta Dental coverage outside of the United States is the same as Delta Dental coverage within the United States.

Locate a participating provider by using the button below.

Dental Benefits 101

Dental Benefits 101

Pre-treatment Estimate

Pre-treatment Estimate

Delta Kids Club

Delta Kids Club

Vision

Group #3211 | 800.672.7723 | www.e-nva.com

Aphase II offers vision coverage through NVA to help pay for eye exams, prescription glasses and contact lenses.

If you are already enrolled in one of the Aphase II'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.

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

2025 Vision
Vision Benefit Summary

Vision Benefit Summary

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 Care

Hearing Care

Lasik

Lasik

Financial Protection

Aphase II 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. 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.

SunLife

800.247.6875 | www.sunlife.com

A sudden accident or death can leave you or your loved ones in a vulnerable position. Aphase II provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of Flat $10,000 (reduced if you are age 65 or older) 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.

  • Voluntary Benefit - Costs are based on Age and Amount of Coverage
    • Employee: Choose in $10,000 increments up to the lesser of 5x your annual salary or $100,000. Minimum of $20,000 - Guaranteed Issue: $100,000
    • Spouse: Choose Spouse Coverage 50% of employee amount in $5,000 increments up to $50,000 - Guaranteed Issue: $25,000
    • Child: $1,000, $5,000, or $10,000 - Guaranteed Issue: $10,000

  • 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.
Basic Life AD&D Benefit Summary

Basic Life AD&D Benefit Summary

Voluntary Life AD&D Benefit Summary

Voluntary Life AD&D Benefit Summary

SunLife

800.247.6875 | www.sunlife.com

Short-Term Disability & Long-Term Disability

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.

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.

  • STD Benefit - Employee is responsible for 100% of the cost 
    • Cover 60% of your weekly earnings up to a maximum benefit of $500 per week (Benefits begin on the 1st day for Accident / 8th day for Illness)
    • Benefits last up to 26 weeks

Long-Term Disability

Serious illnesses or accidents can interrupt 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 income, so you have financial support to manage your disability and your household. 

  • LTD Benefit - Employee is responsible for 100% of the cost 
    • Benefit is equal to 60% of your monthly earnings up to a maximum benefit of $5,000 per month
    • Benefits begin as soon as 180 days from the date of your disability. 
    • Pre Ex - 6/12

Please consult your Employee Benefits Guide and review the benefit summaries for additional details.

Short Term Disability Benefit Summary

Short Term Disability Benefit Summary

Long Term Disability Benefit Summary

Long Term Disability Benefit Summary

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 586-977-0790.

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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