WELCOME
Helping you and your family reach and maintain good health is very important to Michigan MultiKing. 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.
Michigan MultiKing 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 and all of the additional resources for more information regarding Michigan MultiKing benefit plans.
ELIGIBILITY AND ENROLLMENT
Eligibility
All full-time employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Michigan MultiKing. 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 and Vision: Until the last day of the year in which the child turns 26
- Dental: Until the date the child turns 20, or the date the child turns 26 if a full-time student
Enrollment
ENROLLMENT INSTRUCTIONS:
- Review the information on this page and in the benefit highlighter.
- You must complete and sign an enrollment form, even if you are waiving coverage.
The Benefit choices you make will 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.
Contact Human Resources if you have questions about qualifying events.
MEDICAL/Rx
Michigan MultiKing offers four medical and prescription drug options: two through Blue Care Network (BCN) and two through PriorityHealth. The 2023 options are:
- BCN HMO HSA 3000
- BCN Routine Care HMO 5000
- PriorityHealth HMO 4000 SEMP
A quick comparison of these options is below:
Blue Care Network
Blue Care Network Medical/Rx (Group # 00107500) | 800.662.6667 | www.bcbsm.com
All three Blue Care Network options are HMOs, meaning that, other than for emergency care, services are covered only if you see a provider that is in-network. You must select a primary care physician (PCP), and you must obtain a referral from your PCP for other care.
PriorityHealth
Priority Health Medical/Rx (Group # 797052) | 800.446.5674 | www.priorityhealth.com
The PriorityHealth options are also HMO plans. The PriorityHealth HMO SEMP (Southeast MI Partners) plans use a tiered network structure. Providers are divided into two tiers: Tier 1 and Tier 2. If you choose care through a Tier 1 provider, your costs (coinsurance, copays and deductibles) will be lower than if you choose care through a Tier 2 provider. You must choose a PCP, but you are not required to obtain a referral from your PCP to see a specialist.
Additional Resources
You may find the below information helpful.
VIRTUAL VISITS
Both BCN and PriorityHealth allow you to see a provider virtually from your mobile device or your computer. You can use virtual visits when you have a non-emergency condition and:
- your doctor is not available;
- you become ill while traveling; or
- you are considering visiting a hospital emergency room for a non-emergency health condition.
Some examples of non-emergency conditions that can be treated through virtual care:
- bladder infection
- bronchitis
- fever
- rash
- flu
- sore throat
- stomach ache
BCN
BCN provides virtual care through BCBSM Online Visits. To access BCBSM Online Visits, click the link below, download the app to your mobile device, or call (844) 606-1608.
PriorityHealth
To access to PriorityHealth's virtual care, click the link below, download the PriorityHealth member app, or call (844) 322-7374.
DENTAL
Guardian & First Commonwealth (Group # 00443733) | 212.598.8000 | www.guardianlife.com
You have two dental options available to you, both of which are provided through Guardian. With the First Commonwealth option, benefits are provided only if you see an in-network provider. With the DentalGuard PPO option, you can go to an out-of-network provider and still have coverage; however, your costs will be higher than if you went to an in-network provider.
A quick comparison of these options is below:
VISION
Varipro (Group # 4106) I e-mail – claims@varipro.com
Vision coverage is provided through Varipro. Your vision coverage provides reimbursement for eye exams, prescription glasses and contact lenses.
CARRIER CONTACTS
Contact information for each of the benefit carriers is below:
Blue Care Network Medical/Rx (Group # 00107500) | 800.662.6667 | www.bcbsm.com
Priority Health Medical/Rx (Group # 797052) | 800.446.5674 | www.priorityhealth.com
Guardian & First Commonwealth (Group # 00443733) | 212.598.8000 | www.guardianlife.com
Varipro (Group # 4106) I e-mail – claims@varipro.com
CONTACT INFORMATION
As you consider your benefit options, please be sure to review all available information, including the videos and links found on this webpage. If you have questions or need assistance, please contact Human Resources.