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.
Please review your benefit guide, the remainder of this page, and all of the additional resources for more information regarding APhase II benefit plans.
You are eligible to participate if you are full-time and work a minimum of 35 hours per week. Coverage will be effective the 91st day of active employment for hourly and salaried employees. 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: The last day of the calendar year the child turns age 26
• Voluntary Life: The day the child turns age 19 or age 25 if a full-time student
NEW HIRES! Action Required: You must elect or waive benefits within 30 days of your benefit effective date.
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 will 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.
Priority Health Medical/Rx (Group # 78783) | 800.446.5674 | www.priorityhealth.com
Priority Health will administer your medical and prescription drug benefits this year. The plans that will be offered effective January 1, 2023 are as follows:
To view participating providers, please visit the Priority Health website below.
Health Equity HSA | 866.346.5800 | www.healthequity.com
The Health Savings Account (HSA) allow 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.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
HSA IRS Maximums are as follows:
$3,850 for a single contract
$7,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
Reminder: You can make changes to your HSA elections at any time for any reason. Please contact Human Resources to request a change to your HSA.
Spectrum Health Now | 844.322.7374
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and your doctor is unavailable, or if you become ill while traveling .
Examples of Non-Emergency Conditions:
HOW DO I ACCESS CARE?
When you’re in Michigan access virtual care through Spectrum Health Now. How it works:
Connect with Spectrum Health Now one of these ways:
When you’re outside of Michigan access virtual care through MDLIVE. How it works:
Connect with MDLIVE one of these ways:
How Much Does it Cost?
Delta Dental Group # 8233 (EPO) # 1515 (PPO) | 800.524.0149 | www.deltadentalmi.com
APhase II provides comprehensive coverage to help you and your family maintain good dental health. For 2023, the dental carrier will be Delta Dental. The EPO and PPO plan will be offered for 2023. Staying in-network will give you the most cost savings.
To find out if your provider is in-network, please visit the website below.
NVA Vision (Group # 3211) | 800.672.7723 | www.e-nva.com
DID YOU KNOW?
APhase II offers vision coverage through National Vision Administrators (NVA) 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.
Sun Life Financial | 800.247.6875 | www.sunlife.com
APhase II provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term disability with Sun Life Financial.
Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term 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.
Evidence of Insurability (EOI): When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI). Annually, you are able to increase elections 1 increment up to GI without proof of good heath.
Any amount elected over the GI will require EOI. If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
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.
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.
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.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
Priority Health Medical/Rx (Group # 78783) | 800.446.5674 | www.priorityhealth.com
Delta Dental (Group #8233 (EPO) #1515 (PPO) I 800.524.0149 I www.deltadentalmi.com
NVA (Group # 3211) I 800.672.7723 I www.e-nva.com
Health Equity HSA | 866.346.5800 I www.healthequity.com
Sun Life Financial | 800.247.6875 I www.sunlife.com
As you consider your benefit options, please be sure to review all available information.
If you have any questions or need further assistance, please contact:
Human Resources
586-977-0790