Welcome! In this page, you will find all of the information regarding the benefits offered by Beanstalk, and find yourself equipped with resources to find care and plan information.
The "2022-2023 Benefit Guide" will provide a brief overview of the benefits offered by Beanstalk. To learn more about each benefit, click on the sections below.
As you review your Benefit Guide, you will see your vision and dental plans have moved to a new carrier! This coverage will now be through Mutual of Omaha. Additionally, Beanstalk is now paying for all employees to have life insurance AND short term disability insurance! The coming pages will provide more detail on these plan offerings. While exploring benefits, be sure to note the value added benefits provided through Mutual of Omaha!
Eligibility and Qualifying Life Events
Benefits are offered to full-time employees who work a minimum of 30 hours a week. New employees are eligible on the 1st of the month following 60 days of active employment. Dependents, as defined as a legal spouse or child may be enrolled with employees as well. Dependent eligibility varies by line of coverage. If you have a child on your dental and vision plan, they may remain until the end of the month they turn 26. If they are on medical plans, they have until the end of the calendar year they turn 26.
Qualifying life events allow you to change your coverage when something changes in your life. Some examples include, marriage and divorce, birth or adoption, and loss or gain of coverage related to those circumstances previously listed. After these changes occur, you have 30 days from event date to change necessary elections by contacting Tamara Knapp or Krystol Rappuhn.
Beanstalk offers two plans through Blue Cross Blue Shield of Michigan. There is a PPO 1000 and a PPO 4000. Your contributions are based on the ages of you and your dependents and can be found in your election forms. Beanstalk pays for 95% of your premium and employees are responsible for 5% plus 100% of dependents.
Online medical care is available through Blue Cross. These are covered at 100% if medically necessary. To access virtual care, download the BCBSM online visits app (available on the Google Play Store for Android or the Apple App Store for IOS), visit bcbsmonlinevisits.com, or call 1-800-606-1608.
Your dental coverage is now provided through Mutual of Omaha! Plan detail and contributions can be found below, as well as resources to learn more about dental insurance, Mutual of Omaha's product detail, and how to find a dentist.
Your vision coverage is now provided through Mutual of Omaha! Plan detail and contributions can be found below, as well as resources to learn more about vision insurance, Mutual of Omaha's product detail, and how to find a provider.
Core life is paid for by Beanstalk through Mutual of Omaha. All employees have a $25,000 benefit. This is zero cost to you, but a major benefit in the case of a tragedy.
Age reduction is applied 35% of original benefit at age 65 and 50% of original benefit at age 70.
Short term disability is also paid for by Beanstalk through Mutual of Omaha. In the event of an accident making you unable to work, this plan will pay 60% to $500 a week based on your earnings. STD begins on the 1st day after an accident and 8th day after an illness. Maternity leave is considered an illness and this will vary based on type of birth. Please reference the resources below for more detail.
New hires have the opportunity to complete open enrollment upon completion of appropriate waiting periods.