McNaughton-Mckay

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Wellbeing
  4. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  5. Pre 65 Retirees Medical
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Diabetes Management
    5. Virtual Visits
    6. Carrier Resources & Education
  6. Retiree- Medicare Advantage
  7. Health Savings Account
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  8. Dental
    1. Dental Plan Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  9. Vision
    1. Network & Resources
  10. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  11. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  12. 401k
  13. Additional Educational Videos
  14. Have Questions?
  15. Footer

Welcome

Helping you and your family reach and maintain good health is very important to McNaughton-McKay. We are pleased to offer a selection of benefits designed with your health 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. McNaughton-McKay remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to retirees.

Please review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!

2025 Retiree Benefits Highlighter

2025 Retiree Benefits Highlighter

Eligibility & Enrollment

If you were hired prior to December 31st, 2023, are age 55 or older and have 10 years of continuous McNaughton-McKay service from your most recent hire date, you are eligible to elect for Retiree Healthcare on a one-time opportunity basis at the time of retirement.

DEPENDENT ELIGIBILITY

You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.

Dependent coverage ends when:

  • Medical - The last day of the month in which the child turns 26.
  • Dental - The last day of the month of the child's 26th birthday regardless of student status and provided that they don' have their own employer coverage.



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Pre 65 Retirees Medical

BCBSM

Group #7130 (877) 790-2583 | 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 and an HSA plan. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.

If you are already enrolled in one of the McNaughton-McKay 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 your 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.

2025 Medical/Rx Updates and Changes:

  • BCBSM PPO Plan: In-network deductible $1,500/$3,000
  • BCBSM HSA Plan: In-network deductible $2,000/$4,000
BCBSM/BCN Member Portal

Your coverage must be active to register

BCBSM/BCN Member Portal

Your coverage must be active t ...

Blue Cross Blue Shield of Michigan will continue to be the medical and prescription drug carrier this year. You have two Medical options to choose from:

  • HSA Plan
  • PPO Core

Both plan options are Preferred Provider Organizations (PPO) and provide both in and out of network benefits. With both plan options you have the option to see any doctor you wish and receive coverage, note, if you go out of network you will receive lesser benefits and may experience balance billing.

The differences in the options are highlighted below.

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

Pre 65 Medical and Rx plans

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.

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.

BCBSM Drug List

BCBSM Drug List

Both plan options are Preferred Provider Organizations (PPO) and provide both in and out of network benefits. With both plan options you have the option to see any doctor you wish and receive coverage, note, if you go out of network you will receive lesser benefits and may experience balance billing.

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"
Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

HDHP+HSA

HDHP+HSA

pc us er

pc us er

Blues Wellbeing

Member Mental Health Resources

Blues Wellbeing

Member Mental Health Resources

Blue 365

Member Discounts

Blue 365

Member Discounts

Sempre Rx Discounts

Sempre Rx Discounts

Preventive Care

Preventive Care

PPO Rewards

PPO Rewards

Diabetes Support

Code: BLUECROSSMI-START

Diabetes Support

Code: BLUECROSSMI-START

Need your ID Card?

Need your ID Card?

Retiree- Medicare Advantage

2025 Medicare Advantage documents coming soon from BCBSM. As soon as they are released, they will be provided below.

Medicare Advantage

Health Savings Account

Health Equity

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

You have the opportunity to contribute to a Health Savings Account (HSA) on a pre-tax basis, which lowers your taxable income. View the information below for important details and guidelines for the HSA offered by McNaughton-McKay.

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. 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.

$4,300 for a single contract | $8,550 for a two person or family

$1,000 "Catch Up" contribution for those age 55+

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

HSA Overview

HSA Overview

HSA Store

HSA Store

Qualified Medical Expenses

Qualified Medical Expenses

Dental

Delta Dental

Group #5482| 800.524.0149 | www.deltadentalmi.com

McNaughton-McKay'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.

If you are already enrolled in McNaughton-McKay's Delta Dental plan today and have not already done so, 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. If you are not currently covered, you will be able to register in the Delta Dental portal as of your effective date of coverage.

Delta Member Portal

Log-In/Register Here!

Delta Member Portal

Log-In/Register Here!

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 your plan by accessing the benefit summary provided below.

Dental 2025
Dental Benefits at a Glance

Dental Benefits at a Glance

Delta Dental of Michigan offers the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier. Plus, you will not be balance billed if you see a PPO or Premier dentist - giving them added savings. If you do choose to visit a nonparticipating dentist, you may be balance billed and may have to pay more.


When traveling out of the United States you also have access to the Passport Dental program giving you access to a worldwide network of dentists. English-speaking operators are available to help you access care. Delta Dental coverage outside of the United States is the same as Delta Dental coverage within the United States.


Locate a participating provider by using the button below, select Delta Dental PPO plus Premier.

Dental Benefits 101

Dental Benefits 101

Pre-treatment Estimate

Pre-treatment Estimate

Delta Kids Club

Delta Kids Club

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.


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