Table of Content
- Header
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Page
- WELCOME
- NEW HIRE ENROLLMENT & ELIGIBILITY
- MEDICAL/RX
- VIRTUAL VISITS
- FLEXIBLE SPENDING ACCOUNT (FSA)
- DENTAL
- VISION
- LIFE & DISABILITY
- KINDBODY
- ULLIANCE EAP
- UNDERSTANDING YOUR BENEFITS
- CARRIER CONTACTS
- CONTACT US
- Footer
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.