WELCOME
Helping you and your family reach and maintain good health is very important to the Detroit Institute of Arts. 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.
The Detroit Institue of Arts 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 2023 Detroit Institute of Arts benefit materials for more information regarding your plan offerings for 2023.
NEW HIRE ENROLLMENT & ELIGIBILITY
All newly hired Employees will have coverage effective the 1st of the month following your date of hire. Regular employees working at least 30 hours per week are eligible to participate in all benefits offered by the DIA. 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.. Children eligibility is as follows -
- Medical, Dental, Vision, Voluntary Life: End of the year the child turns 26
Enrollment Action Required:
ENROLLMENT INSTRUCTIONS:
- Go to workforcenow.adp.com and log in using your current User ID and Password
- Follow the online instructions to complete Open Enrollment
- Review your enrollments; Print your confirmation statement (click download); Submit Enrollment
- Verify premium deductions with your first paycheck of the year
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 or if you find any discrepancies in your contributions.
MEDICAL/RX
BCN HMO Medical/Rx (Group # 00131870) | 800.662.6667 | www.bcbs.com
BCBS PPO Medical/Rx (Group #007006375) | 313.225.9000 | www.bcbs.com
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:
- BCN HMO 1000
- BCN HMO 0
- BCBS PPO 2000
A PPO plan (BCBS) is a type of managed care health insurance plan that provides maximum benefits if you visit an in-network physician or provider, but still provides some coverage for out-of-network services. You may also visit any provider without a referral from your primary care physician.
An HMO (BCN) gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within the BCN network. You must select a primary care physician (PCP) who will determine the care/treatment you need. To see other doctors, such as a specialist, you must obtain a referral from your PCP.
To find out if your provider is in-network, please visit the BCBS/BCN website below. Be sure to select your correct network by choosing either PPO Plans or Blue Care Network HMO Plan under "Plan" in the upper right corner. Once you select your correct network you can search for a doctor or care provider by name, specialty, or condition.
You may view participating providers at the link below or consult with your existing providers.
VIRTUAL VISITS
BCBSM: Virtual Visits (BCN Group #00131870; BCBS Group #007006375) | 844.606.1608 | www.bcbsmonlinevisits.com
The provides those employees who are covered by the BCN or BCBSM medical plans access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provide members the opportunity to receive medical health care from the comfort of your own home. With BCBSM Online Visits, eligible employees and dependents have access to board certified doctors 24 hours a day, 7 days a week, 365 days per year.
How Much Does it Cost?
- Standard Plan (Non HDHP/HSA): $0
- Prescriptions: If prescribed during a virtual visit, applicable Rx cost sharing will apply based on which medical plan you are enrolled in.
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
FLEXIBLE SPENDING ACCOUNT (FSA)
iSolved FSA (Group #CN29962) | 800.796.7910 | www.isolvedbenefitservices.com
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 $3,050 annually
- All benefit eligible can participate
- 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
How the FSA Plan Works
- You must incur your eligible expenses during the plan year. An expense is incurred when the service is performed, not when you are billed or pay for the service. You are able to roll over any unused amounts of up to $610 remaining in your account at the end of a plan year to the next plan year.
DENTAL
Delta Dental (Group # 7619) | 800.524.0149 | www.deltadentalmi.com
The Detroit Institute of Arts dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental PPO or Delta Dental Premier 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, please visit the website below.
VISION
UNUM/Always Care: Vision (Policy #443044) | 866.679.3054 | www.unumvisioncare.com
The Detroit Institute of Arts offers vision coverage through UNUM 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.
LIFE & DISABILITY
Lincoln: Basic Life and AD&D (Group #000010254003-00000) | 877.275.5462 | www.lincolnfinancial.com
Lincoln: Voluntary Life and AD&D (Group #000400001000-25275) | 877.275.5462 | www.lincolnfinancial.com
Lincoln: Long-Term Disability (Group #000010254002-00000) | 877.275.5462 | www.lincolnfinancial.com
The Detroit Institute of Arts provides you with Basic & Voluntary Life/AD&D coverage as well as Long-Term Disability through the Lincoln. Short-term disability coverage is provided to offer some degree income protection to eligible employees who are deemed disabled by the
DIA.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for a benefit that is 1x your basic annual earnings to a maximum of $160,000. Coverage is payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
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 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.
DIA Funded Short-Term Disability
Eligibility
Full-time, non-union employees with one or more years of service are eligible for short-term disability coverage. The benefit waiting period for coverage is 15 working days, beginning on the first day of absence.
Benefit Payment
As noted above, the short-term disability benefit payment is equal to 67% of the employee’s gross wages. If, after the 15 day waiting period, an employee has a remaining balance of accrued sick, personal and/or vacation time and wishes to use this time in order to receive full payment for missed days before beginning to receive short-term disability benefits, they may do so.
The maximum payment period for short-term disability benefits is 10 weeks. The countdown for the 10 weeks begins immediately after the completion of the 15-day waiting period, or after the exhaustion of any accrued sick, personal and/or vacation time the employee may have elected to use before commencement of benefits.
Medical Certification
At any time during a medical leave of absence, the Detroit Institute of Arts may require the employee to submit further written medical certification of their inability to perform the principal duties of their job, and/or require examination by a physician designated by the DIA.
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. If you elect, benefits begin after a 90 day elimination period are equal to 60% of covered monthly earnings up to $7,000 for full-time employees.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
KINDBODY
Kindbody: Family Planning (Access Code: KINDDIA) | 855.571.7009 | www.kindbody.com
Kindbody Family-Building Services
Employees and Spouses that are eligible to enroll in a Detroit Institute of Arts sponsored medical plan are eligible for this benefit.
Employees and Spouses that are eligible to enroll in a Detroit Institute of Arts sponsored medical plans will have access to:
● Access to all Kindbody services at discounted rates.
● Additional $7,000 toward any cash-pay service, or any service not billable to insurance. These funds can also be used on virtual holistic health services, or used towards reimbursement of donor, surrogacy and adoption services. Funds cannot be applied to deductible, copays, or coinsurance.
● A network of Kindbody Signature and Partner clinics in locations where you work, live, and travel
● A dedicated Patient Care Navigation Team available to support you through your journey
● Personalized patient portal with appointment scheduling and messaging capability, giving you convenient and transparent around-the clock visibility
ULLIANCE EAP
UNDERSTANDING YOUR BENEFITS
CARRIER CONTACTS
BCN HMO Medical/Rx (Group # 00131870) | 800.662.6667 | www.bcbs.com
BCBS PPO Medical/Rx (Group #007006375) | 313.225.9000 | www.bcbs.com
BCBSM: Virtual Visits (BCN Group #00131870; BCBS Group #007006375) | 844.606.1608 | www.bcbsmonlinevisits.com
iSolved FSA (Group #CN29962) | 800.796.7910 | www.isolvedbenefitservices.com
Delta Dental (Group # 7619) | 800.524.0149 | www.deltadentalmi.com
UNUM/Always Care: Vision (Policy #443044) | 866.679.3054 | www.unumvisioncare.com
Lincoln: Basic Life and AD&D (Group #000010254003-00000) | 877.275.5462 | www.lincolnfinancial.com
Lincoln: Voluntary Life and AD&D (Group #000400001000-25275) | 877.275.5462 | www.lincolnfinancial.com
Lincoln: Long-Term Disability (Group #000010254002-00000) | 877.275.5462 | www.lincolnfinancial.com
Kindbody: Family Planning (Access Code: KINDDIA) | 855.571.7009 | www.kindbody.com
Ulliance: EAP (Ulliance-DIA) | 800.448.8326 | LifeAdvisorEAP.com
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 Human Resources