Message from Human Resources
Wiseway is pleased to offer a comprehensive benefits package designed with your health and financial well-being in mind. We review our benefit program each year to ensure our offerings provide the best combination of benefit coverage, network access and affordability.
Eligibility
If you are eligible, you may enroll in benefits the first of the month following 60 days of employment. If you previously waived any benefits, you have the option during Open Enrollment to enroll or make benefit changes and add or drop dependent coverage without having a qualifying event.
You are eligible for the Medical Plan if you work 30 or more hours per week. You are eligible for all other benefits if you work 40 hours per week.
Wiseway is pleased to announce that there are no changes to your medical, dental, vision plans for 2023!
Benefits that are changing include:
Your Employee Benefit Guide and this web page provides general information as an overview. If there is any discrepancy between the insurance carrier's certificate of coverage or summary plan description and this web page or Benefit Guide, the insurance plan documents will prevail. If you have any questions, contact Human Resources.
Wiseway will conduct a active enrollment this year.
However, during this open enrollment period, you have the option of making changes to your current elections or enrolling for the first time (if you have met eligibility criteria).
Please download and use the available enrollment/change form and email/submit to:
Director, Human Resources
1-715-381-2952 extension 122
.
The Benefit choices you make during your initial enrollment or annual 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.
Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
Wiseway offers two medical plan options for employees working 30+ hours per week. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through Medica.
PLAN CHOICES
NETWORK
Employees who enroll in the $5,250 Plan are eligible to participate in a Health Savings Account (HSA) by establishing an account at a bank of your choice.
Health savings accounts (HSA’s) are a tax-advantaged savings account paired with a high deductible health plan exclusively for the purpose of paying qualified medical, dental and vision expenses for you, your spouse and your dependents.
The IRS limits the amount of contributions allowed each year, as follows:
2023 Annual Maximum Contribution
If you are between the ages of 55-65, you can also make an additional $1,000 “catch-up” contribution annually.
Dental Insurance is available to employees working 40 hours per week.
Delta Dental has the largest dental provider network in Minnesota and the United States. The dental plan utilizes two Delta Dental network options and provides you with the freedom to see any dentist you choose.
The Voluntary Vision plan is available to employees working 40 hours per week.
Vision coverage through EyeMed provides benefits for eye exams, prescription glasses, contact lenses, as well as other vision-related items.
Eyemed's Insight network offers access to a large variety of providers; using an in-network provider increases your discounts for services.
Wiseway provides all employees with basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.
AD&D benefits are payable to you in the event of a dismemberment, or an additional benefit is payable to your beneficiary if your death is the result of an accident.
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.
Disability benefits are designed to replace a portion of your income if you are unable to work due to an accident or sickness.
Coverage under long term disability through Principal provides income replacement as follows:
Management: 60% of earnings up to $5,000 per month
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Medica's Enrollment Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Bob Schmidt
Director, Human Resources
1-715-381-2952 extension 122