Howard & Howard

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Wellbeing
  4. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  5. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Virtual Visits
    5. Carrier Resources & Education
  6. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  7. Dental
    1. Dental Plan Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  8. Vision
    1. Network & Resources
  9. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  10. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  11. Additional Educational Videos
  12. Have Questions?
  13. Compliance Notices
  14. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Howard & Howard. 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. Howard & Howard 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. Highlights of the 2025 benefit plans include:

  • Lincoln Financial Group (LFG) is your carrier for Life/AD&D, Disability and Voluntary Benefits.
  • PPO 1500 Plan: Increase Rx copay to:
      • Generic: $20 (from $15)
      • Brand Formulary: $60 (from $50)
  •  PPO HSA plan: Increase In-Network Deductible to $2,500 / $5,000 (from $2,000 / $4,000)
  • Dental is still an independent election! Dental and Medical can be purchased separately.
  • The PlanSelect Tool is still available to assist with your election decisions.

Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2026!

OPEN ENROLLMENT REMINDER!

Open Enrollment is from November 17th through November 24th. This is the time of year where you can elect new plans with Howard & Howard. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2026:

  • THIS IS AN ACTIVE ENROLLMENT! You must make an active election for all benefits. Current elections will not carry forward.

  • Tuesday 11/19 @ 10-11 am H&H Jefferson Conference Room
  •  Wednesday 11/20 @ 2-3 pm Virtual Teams Meeting Join the meeting now

Wellbeing

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At Howard & Howard, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.


To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.


Eligibility & Enrollment

All FULL-TIME employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Howard & Howard. Newly hired employees will be eligible the 1st of the month following date of hire.  When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.

 Children are eligible for benefits as follows:

  • Medical & Dental: Until the last day of the year in which the child turns 26, Spousal eligibility is as follows:

  • Vision: Legally married spouse, dependent children through the last day of the calendar year the child turns age 26.
  • Dependent Child Life Insurance & AD&D: Until the last day of the year in which the child turns 26

Should your employment with Howard & Howard end, your coverage will end as of the date of termination.

ENROLLMENT INSTRUCTIONS:

  1. Review your benefit information included on this site
  2. Log into your ADP Portal
  3. Follow instructions and enroll in your benefits - you must complete open enrollment even if you are waiving benefits
  4. Make sure to save your elections and save/print your confirmation statement.

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.

 IMPORTANT! Do not forget to use the PlanSelect Tool when choosing the best medical plan for you and your family!

H&H Contact for questions regarding enrollment and qualifying events:

Miranda Featherston mnf@h2law.com or (248) 723-0517

Medical & Rx

BCBSM

Group #007013100 | (888) 288-1718 | www.bcbsm.com

Blue Cross Blue Shield of MI (BCBSM) will continue to be your medical and prescription carrier. You have the choice between two plans for the 2025 plan year. The two plan options include a PPO plan, a PPO HSA plan. Both medical plans offered are Preferred Provider Organizations (PPO); this means that both in and out of network coverage is provided, you are not required to select a primary care physician, and you are not required to obtain a referral to see a specialist. 

 IMPORTANT! Do not forget to use the PlanSelect Tool when choosing the best medical plan for you and your family!

If you are already enrolled in one of the Howard & Howard BCBSM medical plans today and have not already done so, please be sure to register through the BCBSM member portal where you can access important information pertaining to your medical plans with BCBSM including participating providers, cost estimates for services, explanation of benefits/claims, and accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the BCBSM portal as of your effective date of coverage. Information on how to register can be found here.

Your 2025 medical plan options are as follows:

  • PPO 1500 
  • PPO HSA 2000 - Howard & Howard will give $500 seed money if you elect the HSA 2000 plan. (it's paid out $250 in January and July)

Below is a high-level overview of these plans

You can view more details of these plans by accessing the benefit summaries provided below.

Look up your prescriptions by viewing the BCBSM Drug List. Use the Control F feature to type in the name of your prescriptions and determine which level the drug is and whether a Prior Authorization (PA) or Quantity Limits (QL) apply. You can also determine whether there may be lower cost alternatives for your prescriptions.

Helpful Rx Cost Saving Tools & Tips!

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking here.

Helpful Rx Cost Saving Tools & Tips!

PAYER MATRIX - NEW FOR 2025 (only available on the PPO medical plan)

Eligible members will receive direct communication from PillarRx and Payer Matrix through a co-branded letter and phone calls to inform them about the program. This initiative offers discounts on approved medications. Payer Matrix will gather information from members, including income details, to determine their eligibility for the program.

If a member is denied a discount on their medication, they will receive it through the standard PillarRx program and will pay their usual copay or coinsurance.

THE MEMBER WILL BE RESPONSIBLE TO PAY 100% OF THE COST OF THE MEDICATION AT THE PHARMACY, IF THE MEMBER DOES NOT RESPOND.

Note: The pharmacy will also receive a notification that the member must contact PillarRx. There is still opportunity to receive the discount once you contact PillarRx.

How can members contact Payer Matrix?

Call the Care Team at 517-583-3944 with any questions.

PILLAR Rx You may be contacted by BCBSM via phone or mail to sign up for PillarRx, it's important you don't ignore these calls or letters. The team will only contact you when a drug you're taking is now under a 'co-pay assistance program' called PillarRx. If you don't register for PillarRx, which is free to do, you will be asked to pay a much higher copay than you are used to. Click the "Pillar Rx" button below to learn more.

GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (insurance will not be applied and costs with the coupon will not count towards your deductibles and/or out-of-pocket maximums).

ASK YOUR DOCTOR – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

Both medical plans offered are Preferred Provider Organizations (PPO); this means that both in and out of network coverage is provided, you are not required to select a primary care physician, and you are not required to obtain a referral to see a specialist. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing. View the comparison below for additional details on the differences between the PPO, POS, and HMO plans when it comes to networks and access.

Instructions and tips for locating participating providers below -- 

  • PPO PROVIDERS Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "PPO Plans"
Teladoc Health

(800) 835-2362 | www.teladoc.com

Howard & Howard provides all eligible employees access to virtual visits with Teladoc. Teladoc provides members the opportunity to receive medical, dermatology, and mental health care from the comfort of your own home. With Teladoc, 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.

How Much Does it Cost?

  • Medical Services: Free for anyone electing the PPO/$55 co-pay applies for anyone electing the HSA plan.
  • Mental Health: Licensed Therapist: $90 per consult | Psychiatrist: $220 first consult; $100 for ongoing visits
  • Dermatology: $85 per virtual visit
  • Prescriptions: If prescribed a medication during a virtual visit, applicable Rx cost sharing will apply based on your medical plan prescription coverage.

To get access to these convenient services, visit www.Teladoc.com and click "Register Now" - OR - you may contact Teladoc at 800.835.2362.

Accounts

Health Equity

(866) 346-5800 | memberservices@healthequity.com | www.healthequity.com

You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by Howard & Howard.

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The PPO 2000 Medical Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.

HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan. 

  • $4,400 for a single contract | $8,750 for a two person or family
  • $1,000 "Catch Up" contribution for those age 55+

If you are only covered by the HSA PPO plan for part of the 2025 calendar year, your maximum allowable contribution is prorated based on your effective date of coverage on the HSA PPO plan.

If you have an HSA with another bank or custodian, you can transfer your funds to the Howard & Howard HSA with Health Equity by completing this form.

Visit the Health Equity HSA page for more information by clicking HERE!

Varipro

The Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is you have access to the full annualized amount on day one!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, if you get married, you can increase your contribution, however, you cannot decrease or end your FSA for this type of life event. 

There are two types of FSA options:

  • General Purpose FSA: To pay for qualifying medical, dental, and vision expenses. This type of FSA is only available if you do not have an HSA.
  • Limited Purpose FSA: To pay for qualifying dental, vision, and post-deductible medical expenses. This type of FSA is available for those who have an HSA.

Plan Details are as follows:

  • You can contribute up to $3,300 annually.
  • At the end of the 2025 you can carry over up to $660 but there is no run-out.
  • If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only which can be used for qualifying dental, vision, and post-deductible medical expenses.
  • You have access to your full annualized election amount on day one.

Visit the Health Equity FSA page for more information by clicking HERE!

The Dependent Care Reimbursement Account (DCRA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses. Qualifying expenses include daycare, nursery & preschool tuition, summer day camps, and more!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, you can increase your contribution if you add another member to your family through birth or adoption, however, you cannot decrease your contribution for this type of life event. 

Plan Details are as follows:

  • You can contribute up to $5,000 annually or limited to $2,500 if you are married and file separate tax returns.
  • The plan includes a Grace Period which allows you to incur and submit expenses using your 2025 funds until March 15, 2026.
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2025.
  • You only have access to the funds of which you have paid into the account.
  • Any unused funds are forfeited.

Dental

BCBSM

Group #007013100 | (888) 288-1718 | www.bcbsm.com

Howard & Howard's dental plan provides comprehensive coverage to help you, and your family maintain good dental health. The dental plan includes both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.

Dental is now a standalone benefit. You can elect Dental without electing Medical coverage.

If you are already enrolled in the Howard & Howard BCBSM Dental plan today and have not already done so, please be sure to register through the BCBSM Dental member portal where you can access important information pertaining to your dental plan with BCBSM Dental including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the BCBSM Dental portal as of your effective date of coverage.

Your dental plan provides both in and out of network dental coverage. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing. Dental coverage is as follows:

Below is a high-level overview of your plan and benefit information:

What are Preventive Services? Routine oral exams and cleanings, x-rays, sealants & fluoride treatments

What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings, prosthetic maintenance

What are Major Services? Prosthodontics, crowns, dentures, implants & bridges

You can view more details of these plans by accessing the benefit summaries provided below.

Vision

BCBSM

Group # 007013100 | (888) 288-1718 | www.bcbsm.com

Howard & Howard offers vision coverage through BCBSM (who partners with VSP) to help pay for eye exams, prescription glasses and contact lenses. BCBSM also provides discounts for Hearing Care and Lasik.

If you are already enrolled in Howard & Howard's BCBSM vision plan today and have not already done so, please be sure to register through the BCBSM member portal where you can access important information pertaining to your vision plan with BCBSM including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the BCBSM portal as of your effective date of coverage.

Below is a high-level overview of your plan and in-network benefits:

Financial Protection

Lincoln Financial Group

Howard & Howard understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

Lincoln Financial Group

800-423-2765 | www.lfg.com

Basic Life/AD&D Policy # 000010285691 | Voluntary Life/AD&D Policy # 000400001000

Howard & Howard provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term 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.

Open Enrollment Increase Option: During the annual open enrollment period, you will be able to increase your election up to the Guarantee Issue without proof of good heath as long as you weren’t previously declined or withdrawn.  

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.

Lincoln Financial Group

800-423-2765 | www.lfg.com

STD Policy # 000010285693 | LTD Policy # 000010285692

Howard & Howard provides both Short & Long Term Disability benefits at no cost to you!

Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. 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.

Lincoln Financial Group

800-423-2765 | www.lfg.com 

Accident Policy # 0001327066 | Critical Illness Policy # 0001327065

Howard & Howard provides 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 voluntary benefits which help to provide financial support to employees. Additional benefits offered include:

Accident

  • Available to employees and their spouse and children
  • Provides cash benefits for qualifying accidents and follow up care such as broken bones, sprains, burns and more
  • Benefits are paid for with post-tax payroll deduction to allow for tax free benefit payouts

Critical Illness

  • Available to employees and their spouse and children
  • Provides a cash benefit qualifying illnesses such as heart attacks, strokes, organ failure, cancer and more
  • Benefits are paid for with post-tax payroll deduction to allow for tax free benefit payouts
  • Pre-existing condition limitation: if a claim occurs in the first 12 months of coverage and is due to a pre-existing condition, benefits for that claim will be denied.

See plan summaries below for additional details.

Personal Support & Assistance

Howard & Howard realizes that your needs go beyond just the standard insurance. This is why we also provide all employees and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program and Travel Assistance resources, both to give you peace of mind and support when you need it the most!

  •  Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services through LFG. 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. 855.891.3684 | GuidanceResources.com (first time users enter web ID: LifeKeys

  • Travel Connect - Lincoln TravelConnect services offer security and reassurance-helping make travel less stressful. If you're enrolled in Life/AD&D, TravelConnect services are available to you and your loved ones 24 hours a day, seven days a week.

  • BCBS/BCN Virtual Wellbeing - Weekly webinars to support you in your wellbeing journey.
Access Your EAP Services Here

Additional Educational Videos

Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.


Compliance Notices

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