OPEN ENROLLMENT REMINDER!
Open Enrollment is from September 28, 2026 through October 16, 2026. This is the time of year where you can elect new plans with LightGuide Inc. 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 2026-27:
- THIS IS AN ACTIVE ENROLLMENT! You must make an active election for all benefits. Current elections will not carry forward.
- Open Enrollment meetings will be held in person or virtually for a select few via Microsoft Teams as follows:
- September 29th @ 9:30 AM EST
- October 6th @ 12:00 PM EST
All FULL-TIME employees working at least 30 hours per week are eligible to participate in the benefit plans offered by LightGuide Inc. Newly hired employees will be eligible the 1st Day of full-time employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse, domestic partner and children.
Children are eligible for benefits as follows:
•Medical, Dental and Vision: Until the last day of the year in which the child turns 26
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided below.
If you 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 and POS, plans when it comes to networks and access.
Instructions and tips for locating participating providers below --
- POS MI PROVIDERS Use this button if you are a MI Resident electing a POS Plan or a non-MI resident traveling to MI. Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "Blue Elect Plus POS"
- POS NON-MI PROVIDERS Use this button if you live outside of MI or are a MI resident traveling outside of MI. Enter your zip code and select "Yes this is Correct" - then rather than entering your card information, select "Browse a list of plans" and select "Blue Elect Plus POS"
Members will continue to get the same urgent and behavioral health virtual care that they do today but with a new look and feel with better integration with other virtual care solutions they may be engaged in.
All eligible members will need to download the Teladoc Health app and create a new account with Teladoc Health if you have not done so already.
Virtual Urgent Care
Have a virtual visit with a U.S. board-certified doctor for minor illnesses such as colds, sore throats, urinary tract infections and pink eye. Visits are available for adults and children 24/7.
Mental Health Services
Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Mental health visits require an appointment, but many therapists and psychiatrists have evening and weekend availability.
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The HSA POS Silver 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.
For the 2027 Tax Year:
$4,500 for a single contract | $9,000 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
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 $3,400 annually.
- At the end of the calendar year, if you have not used all of your FSA funds, there will be no carry over into next year's FSA plan (should you elect an FSA for the 2027 plan year).
- The plan includes a Grace Period which allows you to incur and submit expenses using your 2025-26 funds until March 15, 2027.
- You have 90 days after the end of the calendar year to submit for expenses that occurred on or before 12/31/2026.
- 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.
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 2025-26 funds until March 15, 2027.
- You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2026.
- You only have access to the funds of which you have paid into the account.
- Any unused funds are forfeited.
Dental
Group #TBD | 800-524-0149 | www.deltadentalmi.com
LightGuide Inc's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include 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.
Please be sure to register through the Delta Dental member portal where you can access important information pertaining to your dental plan with Delta Dental including participating providers, coverage information, and explanation of benefits/claims. You will be able to register in the Delta Dental portal as of your effective date of coverage.
You have the choice to purchase a dental plan - The plan includes a deductible (for basic and major services only), ortho coverage for dependents (through age 19), and 100% covered preventive visits.
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
Group #920951 | 866.679.3054 | www.unum.com
LightGuide Inc offers vision coverage through Unum to help pay for eye exams, prescription glasses and contact lenses.
If you are already enrolled in one of the LightGuide Inc's Unum vision plan today and have not already done so, please be sure to register through the Unum member portal where you can access important information pertaining to your vision plan with Unum including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Unum portal as of your effective date of coverage.
Below is a high-level overview of your plan and in-network benefits:
866.679.3054 | www.unum.com
A sudden accident or death can leave you or your loved ones in a vulnerable position. LightGuide Inc provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of 1 time's your annual salary up to $100,000 at no cost to you. Eligible spouses receive a $5,000 life benefit and eligible children receive a $1,000 life benefit if 6 months or younger and a $2,000 life benefit if 6 months or older.
You also have the opportunity to enroll in additional 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 voluntary employee coverage, this will be in addition to your employer coverage.
Employer Paid Life Term Life Insurance:
Employee paid Voluntary Term Life is also available:
Don’t miss your initial enrollment window. If you decline Voluntary Life/AD&D during your new hire enrollment period and choose coverage later, you will need to complete Evidence of Insurability (EOI). This means the insurance carrier will review your health information, and coverage will only become effective if approved.
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.
66.679.3054 | www.unum.com
LightGuide Inc 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.
We understand that owning a home is a significant milestone, fostering stability, generational wealth, and a lasting legacy. This program is our commitment to helping you achieve this goal.
Through the Employee Homeownership Benefit, you will have access to:
- Up to 1% closing credit w/$12,000 max on each transaction to make homeownership more affordable.
- Access to hundreds of mortgage and loan options to secure better rates tailored to your needs.
- A network of top 1% vetted industry professionals offering expert guidance throughout the process.
- This benefit supports you with new home purchases, refinancing, or selling an existing property.
Our goal is to empower your personal and professional prosperity.
To learn more about LightGuide’s Homeownership program and how to get started, visit Homeownership Powered by BEVEL | Lightguide
*Refer Your Dependent: Employees can now refer an immediate household member to the program directly from the landing page. The referred individual simply needs to be and immediate family member and 18 or older
Free Financial Counseling Services
Since 1961, GreenPath Financial Wellness has helped people reduce financial stress and take control of their money. Our trusted, national nonprofit offers free expert counseling with NFCC – and HUD – certified experts. Whether your goal is to build a budget, eliminate debt, or pave a path to homeownership, we’ll walk with you every step of the way.
Speak with a financial counselor today and explore personalized options. Call 855-475-2691 to speak with a counselor or visit Free Financial Counseling Services | GreenPath to learn more.
