Welcome
Baldwin Supply works to provide you and your family with a comprehensive and valuable benefits package. To help you get most out of your available benefits we encourage you and your family to become familiar with this website. Inside, you will find detailed information about your employee benefits program including benefit summaries, and direct links to the insurance carriers. You will also find some helpful information regarding benefit options so you can choose a benefit package that's right for you and your family.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Baldwin Supply. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
Overview
Baldwin Supply remains committed to providing a competitive, cost-effective benefit program. Please review your 2022 Baldwin Supply Employee Benefits Guide for information on all of your benefits.
Wellness Programs
Sharecare
- Sharecare is a digital health solution that helps you manage all of your health in one place. You'll get tools, insights and information that can help you improve your health and live your healthiest life.
- Discover your RealAge
- Get personalized info
- Track your health habits, and much more!
Omada:
- Weight Loss & Overall Health Program
- Diabetes Program
Blue365
- Save when you shop Blue365. Exclusively for you, as part of your BCBSMN health plan.
- With Blue365, you get great deals on products and services that complement your health. Save on personal care, fitness gear, hearing and vision, healthy meal kits and more.
Wellness Challenges
- There are quarterly wellness challenges that are offered to employees! Check out the flyer below for details on each challenge.
Medical/Rx
BCBSMN administers your medical and prescription drug benefits this year. The medical plan includes prescription drug benefit, which covers prescriptions at participating pharmacies and mail-order maintenance drugs.
Plan Choices:
- $3,000 High Deductible Health Plan
- $4,500 High Deductible Health Plan
Remember! The first 5 e-visits covered at 100%. See flyer below on how to utilize Dr. on Demand.
To find out if your provider is in-network, please visit the BCBSMN website below and use find a provider resource tool.
Preferred Provider Organization (PPO) Overview
Preferred Provider Organization (PPO) Overview
Prescription Drug Benefits Overview
Prescription Drug Benefits Overview
High Deductible Health Plan (HDHP) Overview
High Deductible Health Plan (HDHP) Overview
Dental
Baldwin Supply's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network or search for a provider, please visit the Delta Dental website below and following these steps:
- Select if you would like to find a in-network dentist or find a new dentist.
- You can then search by name, location or network (select the network you are enrolled in PPO or Premier)
- Filter results to refine your search
Dental Insurance Overview Video
Dental Insurance Overview Video
Vision
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
Baldwin Supply offers vision coverage through EyeMed to help pay for prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the EyeMed Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the EyeMed website below.
Vision Insurance Overview
Vision Insurance Overview
Life & Disability
Baldwin Supply provides you with Basic & Voluntary Life/AD&D coverage as well as Short Term Disability and Voluntary Long-Term Disability through The Standard.
Basic Life/AD&D
Employees working 30 or more hours per week are provided with $20,000 in Basic Life and Accidental Death and Dismemberment coverage.
Baldwin also covers dependents with a life benefit of $2,000 for spouses and $1,000 for children.
Voluntary 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 Voluntary 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.
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
Baldwin Supply offers a Pay Continuation plan to employees. Please see HR for details.
Voluntary 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. Benefits begin after a 90 day elimination period are are equal to 60% of covered monthly earnings up to $5,000 for full-time employees.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
Life/AD&D Insurance Overview
Life/AD&D Insurance Overview
Disability Insurance Overview
Disability Insurance Overview
FSA
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
You may contribute as follows:
Health Care FSA
- Up to $2,850 annually
- All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Limited Care FSA
- Up to $2,850 annually
- Employees who enroll in either of Baldwin Supply’s medical plans may participate in the Limited Health Care FSA
- Reimbursements allowed for unreimbursed dental, and vision expenses
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
How the Plan Works
You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. If you do not use up all the FSA Medical dollars you elected to have deducted for the year, you will be able to carry over up to $570 from the current plan year into the new plan year. However, FSA Dependent Care still has the “use it or lose it” rule and unspent dollars cannot be carried over into the next plan year.
HSA
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 for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).
You may contribute as follows:
- $3,650 for a single contract
- $7,300 for a two person or family
Employer Contribution
If you participate in and complete the wellness challenges, Baldwin will continue to make the following contributions into your HSA:
- $800 annually - Single
- $1,600 annually - Two person or family
Health Savings Account (HSA) Overview
Health Savings Account (HSA) Overview
Voluntary Benefits
Baldwin Supply 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 employees. Additional benefits include:
- Accident Care
- Critical Illness
- Legal Shield
Critical Illness Overview
Critical Illness Overview
Accident Overview
Accident Overview
Understanding Your Benefits
What is Preventive Care?
What is Preventive Care?
Benefit Terms Explained
Benefit Terms Explained
How to Read An Explanation of Benefits (EOB)
How to Read An Explanation of Benefits (EOB)
What is Balance Billing?
What is Balance Billing?
What is a Qualifying Event?
What is a Qualifying Event?
Primary Care vs. Urgent Care vs. ER
Primary Care vs. Urgent Care vs. ER
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Joelle Allord
JAllord@Baldwinsupply.com
Client Contacts
Joelle Allord
jallord@baldwinsupply.com
612-692-5323