Table of Content
- Header
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Page
- WELCOME
- WELCOME
- ELIGIBILITY
- ENROLLMENT
- HEALTHCARE CONCIERGE
- MEDICAL/RX
- HEALTH SAVINGS ACCOUNT (HSA)
- VIRTUAL VISITS
- DENTAL
- VISION
- FLEXIBLE SPENDING ACCOUNT
- LIFE & DISABILITY
- VOLUNTARY BENEFITS
- PROVIDED TO ALL EMPLOYEES
- ADDITIONAL EDUCATION
- Carrier Contacts
- Contact Us
- Footer
WELCOME
Helping you and your family reach and maintain good health is very important to Feldman Automotive. 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. Feldman Automotive 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 the remainder of this page for more information regarding your 2023 benefit plan options. An educational presentation recording is also available below from our 2023 open enrollment.
ELIGIBILITY
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Feldman Automotive on the 91st day of employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Dependent children eligibility is as follows:
- Medical, Dental, Vision: End of the year the child turns 26
- Voluntary Life/AD&D: 19th birthday or 26th birthday if full time student
- Accident, Critical Illness: 26th birthday
Should your employment with Feldman end, your coverage will end as of the date of termination. If rehired within 6 months of your termination, a new hire waiting period will not apply.
ENROLLMENT
NEW HIRES! Action Required: You must log into Feldman Automotive Connection and elect or waive benefits between the 1st and the 15th of the month prior to your 91st day of employment.
ENROLLMENT INSTRUCTIONS:
- Go to www.feldmanautomotiveconnection.com
- Enter your User ID: First Initial + Last Name (e.g.John Smith = JSmith)
- Enter your Password: Last 4 of your SSN
- Follow instructions and enroll in your benefits
- Make sure to save your elections and print your confirmation statement.
The only opportunity to modify your plan elections for 2023 is if you have a Qualifying Life Event. These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a Qualifying Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes in Feldman Automotive Connection within 30 days of the event (60 days if due to adding a new child from birth or adoption). You will need to provide supporting documentation to support the changes based on the Qualifying Life Event. Exception: HSA contributions can be changed at any time for any reason.
If you have questions or need to submit documentation for qualifying events, please contact Human Resources at HR@feldmanauto.com.
MEDICAL/RX
BCBSM Group #007047840 | BCN Group #00285431 | (866) 518.8054 | www.bcbsm.com
We offer a variety of medical plans for you to choose from, all of which include prescription drug coverage. The plan offerings available for 2023 are highlighted below. For more details you may review the plan summaries.
PPO Plan - The most flexible.
- No need to select a primary care physician or obtain referrals
- Both in and out of network coverage provided
- Utilizes the nationwide BCBS PPO network
The Point of Service (POS) plans function differently depending on whether you live in or out of Michigan
- Michigan residents must select a Primary Care Physician (PCP). You do not need referrals to see a specialist. In network providers include BCN HMO providers, out of network coverage is also provided.
- Non-Michigan Residents do not need to select and PCP. You also do not need referrals to see a specialist. In network providers include nationwide Blue Card Traditional providers, out of network coverage is also provided.
HMO Plan Requirements
- You must select a PCP
- You must obtain referrals to see a specialist
- Only available to Michigan residents
- No out-of-network coverage provided unless it is a true emergency
Key items to keep in mind -
- The HSA plans allow you to pair those plans with a Health Savings Account (HSA) if you meet qualifications of eligibility (more info in the HSA section).
- The HMO HRA plan does include a higher deductible illustrated in the plan summary provided below, however, your only responsibility is $1,500 for a single or $3,000 for a two party/family as noted in the comparison highlights.
You may view participating providers at the link below or consult with your existing providers. Helpful tips when searching providers -
- PPO | HMO | POS MI Provider Search: "Select Plan" -
- For the PPO search, select "PPO Plans"
- For the HMO or POS MI search, select "Blue Care Network (HMO & POS Plans)"
- POS Non-MI Provider Search: Browse Plans "Blue Card Traditional"
HEALTH SAVINGS ACCOUNT (HSA)
(866) 346.5800 | www.healthequity.com
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
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+
If you are only covered by an HSA plan for part of the 2023 calendar year, your maximum allowable contribution is prorated based on the date you are covered by an HSA plan.
Reminder: You can make changes to your HSA elections at any time for any reason. Please contact Human Resources to request a change to your HSA.
VIRTUAL VISITS
(844) 606-1608 | www.bcbsmonlinevisits.com
Those employees who are covered by one of the BCBSM/BCN medical plans have access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home. With BCBSM Online Visits, eligible employees and dependents have access to board certified doctors, psychiatrists and licensed therapists 24 hours a day, 7 days a week, 365 days per year.
Common Medical Services Include: Bladder Infections | Cold/Flu Symptoms | Sore Throat | Pink Eye | Rashes | Sinus Infections | Ear Infections | Stomach Issues | Bronchitis
Services for Mental Health Include: Therapy Visits: Therapists such as psychologists, licensed clinical social workers, marriage and family therapists and professional counselors use talk therapy. Therapy is available to adults and children aged 10 and older by appointment from 7 a.m. to 11 p.m. Visits typically last 45 minutes. | Psychiatry Visits: Psychiatrists can make diagnoses and prescribe and manage medications. Psychiatry is available to adults aged 18 and over and visits are by appointment only. Extended hours during evenings and on weekends may be available. The initial visit usually lasts 45 minutes with 15-minute follow-up visits
HOW MUCH DOES IT COST?
Medical Visits:
- Standard, Non-HSA Plans: Equal to your office visit copay
- HSA Plans: $59 charge applied to deductible, coinsurance applies after satisfaction of deductible.
Mental Health: For both non-HSA and HSA plans, the costs of these services are Subject to your plans normal cost sharing for mental health services, often, deductible & coinsurance. The charges applicable for the type of services, which will apply towards your deductible, are as follows:
- Therapy Visits: $85 (Masters Level) or $99 (Doctorates Level) – Once your deductible is satisfied, coinsurance will apply if applicable
- Psychiatry Visits: $199 for initial visit and $95 for follow up visits –Once your deductible is satisfied, coinsurance will apply if applicable
Prescription copays/cost sharing will apply if medication is prescribed.
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
DENTAL
Group #5383 | (800) 524-0149 | www.deltadentalmi.com
Eligible employees may pick between the Low or High plans. The High plan will provide richer benefits and offers both in and out of network benefits. If you choose to see an out of network dentist, you may experience additional out of pocket expenses as balanced billing will likely apply. The Low plan includes a structed coverage plan and only offers in-network benefits, please note that this plan includes a limited network so be sure to review in-network providers before selecting this plan. Plans cannot be changed mid-year without a qualifying event.