Welcome
Helping you and your family reach and maintain good health is very important to CLIENT NAME. 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.
CLIENT NAME 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. Below are highlights of the new changes that will be effective January 1, 2023:
- Summarize
- Changes
- Here
Open Enrollment
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by R&E Automated. 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: End of the year the child turns 26
- Vision: End of the month the child turns 26
- Voluntary Life, Accident, Critical Illness: Age 19 or 25 if full time student
Action Required: All elections must be submitted by DATE
ENROLLMENT INSTRUCTIONS:
- List Enrollments
- Instructions
- Here
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 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.
Medical/Rx
Group # XXXX | xxx.xxx.xxxx
BCBSM will continue to be the medical and prescription carrier this year. The plans that will be offered effective January 1, 2023 are as follows:
- PPO 2500
- POS 1000 - New!
The new Point of Service option uses the Blue Care Network HMO network, however, you do not need to obtain referrals for a specialist and it includes out of network coverage. For more information, please review your summary of benefits and coverage below.
You may view participating providers at the link below or consult with your existing providers.
Benefit Highlights
Dental
Delta Dental (Group # XXXX) | xxx.xxx.xxxx | website
Eligible employees may pick between the Basic or Enhanced plans. The Enhanced plan will provide richer benefits, orthodontia coverage, as well as both Delta Dental PPO and Premier dentists being considered as in-network dentists. The Base plan is limited to include Delta Dental PPO dentists as in-network.
To find out if your provider is in-network, please visit the website below.
CUSTOMIZE: Dental benefits
Vision
VSP Vision (Group #XXX) | xxx.xxx.xxxx | website
We offers vision coverage 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. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the website below.
Benefit Costs
All costs shown below are per pay (bi-weekly):
Medical Contributions
Dental Contributions
Vision Contributions
Life & Disability
New York Life (Group #XXX) | xxx.xxx.xxxx | website
Alline Salon Group provides you with financial protection options for life, accidental death & dismemberment, short term disability and long therm disability with Unum.
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.
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.
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 to contribute towards an HSA tax-free, you must meet the requirements below:
- Covered by a Qualified High Deductible Health Plan
- You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
- You cannot be covered by Medicare or Medicaid
- You cannot be eligible to be claimed as a tax dependent
- You have not received VA benefits in the past 90 days
2023 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+
FSA
Health Equity HSA (Group #XXX) | xxx.xxx.xxxx | website
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.
New for 2022 - those who elect the Dependent Care FSA will now receive a debit card.
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 $2,750 annually
- All benefit eligible can participate
- If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
- Reimbursements allowed for unreimbursed medical, prescription, 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
Voluntary Benefits
CARRIER NAME (Group #XXX) | xxx.xxx.xxxx | website
We provide 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
Employer Provided Perks
The resources below are provided to all full time employees at no additional cost:
- Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services through Cigna. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.
- Will Preparation & Financial Services - All employees have access to the financial coaching and will preparation services available through My Secure Advantage.
- Travel Assistance - Pre-trip planning, assistance while traveling and emergency medical transportation benefits for covered persons traveling 100 miles or more from home (see your plan for details). From the United States and Canada, call (888) 226-4567 / From other locations, call collect (202) 331-7635.
- BCBS/BCN Virtual Wellbeing - Weekly webinars to support you in your wellbeing journey.
Benefits Education
Carrier Contacts
BCBSM Medical/Rx (Group # XXXX) | xxx.xxx.xxxx | https://www.bcbsm.com/
Delta Dental (Group # XXXX) | xxx.xxx.xxxx | website
BCBSM/VSP Vision (Group #XXX) | xxx.xxx.xxxx | website
New York Life (Group #XXX) | xxx.xxx.xxxx | website
Health Equity HSA (Group #XXX) | xxx.xxx.xxxx | website
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Payor portal, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact: