Table of Content
- Header
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Page
- WELCOME
- WELCOME
- ENROLLMENT
- MEDICAL/RX
- VIRTUAL VISITS
- DENTAL
- VISION
- LIFE & DISABILITY
- ADDITIONAL EDUCATION
- Carrier Contacts
- Contact Us
- Footer
WELCOME
Helping you and your family reach and maintain good health is very important to Mission Point Healthcare. Mission Point Healthcare is 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.
You are eligible to participate if you are full-time and work a of 30 hours per week for medical and 40 hours per week for dental, vision, life, and disability. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Children eligibility is as follows -
- Medical & Dental: End of the month the child turns 26
- Vision: End of the month the child turns 26
- Life: Age 19 or 23 if full time student
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.
Contact Human Resources if you have questions about qualifying events.
ENROLLMENT
You are eligible to participate if you are full-time and work a of 30 hours per week for medical and 40 hours per week for dental, vision, life, and disability. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Children eligibility is as follows -
- Medical & Dental: End of the month the child turns 26
- Vision: End of the month the child turns 26
- Life: Age 19 or 23 if full time student
ENROLLMENT INSTRUCTIONS:
- Review the information surrounding the 2022-2023 plan year
- You MUST complete and sign an enrollment form, even if you waive coverage
- Submit the form to HR
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.
Contact Human Resources if you have questions about qualifying events.
MEDICAL/RX
BCBSM/BCN: Medical/Rx (Group # PPO:007011121; HMO:00155995) | PPO: 313.225.9000; HMO: 800.662.6667 | www.bcbsm.com
BCBSM and BCN will continue to be the medical and prescription carrier this year. The plans that will be offered effective September 1, 2022 are as follows:
- Community Blue 250
- HMO 500
A PPO plan (BCBS) is a type of managed care health insurance plan that provides maximum benefits if you visit an in-network physician or provider, but still provides some coverage for out-of-network services. You may also visit any provider without a referral from your primary care physician.
An HMO (BCN) gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within the BCN network. You must select a primary care physician (PCP) who will determine the care/treatment you need. To see other doctors, such as a specialist, you must obtain a referral from your PCP.
To find out if your provider is in-network, please visit the BCBS/BCN website below. Be sure to select your correct network by choosing either PPO Plans or Blue Care Network HMO Plan under "Plan" in the upper right corner. Once you select your correct network you can search for a doctor or care provider by name, specialty, or condition.
VIRTUAL VISITS
BCBSM/BCN: Medical/Rx (Group # PPO:007011121; HMO:00155995) | PPO: 313.225.9000; HMO: 800.662.6667 | www.bcbsm.com
Mission Point provides those employees who are covered by one of the BCBSM/BCN medical plans access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home. With BCBSM Online Visits, 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?
- Standard Plan 100% Covered!
- Prescriptions: If prescribed during a virtual visit, applicable Rx cost sharing will apply based on which medical plan you are enrolled in.
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
DENTAL
BCBSM: Dental (Group # PPO:007011121) | 313.225.9000 | www.bcbsm.com
BCBSM will continue to be the dental provider this year. The plans that will be offered effective September 1, 2022 are as follows:
To find out if your provider is in-network, please visit the website below.
VISION
BCBSM: Vision (Group # PPO:007011121) | 313.225.9000 | www.bcbsm.com
Mission Point offers vision coverage through BCBS to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the website below.
LIFE & DISABILITY
Sun Life: Life and Disability (Group # 955082) | 800.442.7742 | www.sunlife.com
Mission Point Management provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term disability with Sun Life.
Basic Life/AD&D
Mission Point provides you with financial protection options for life and accidental death & dismemberment with Unum. All eligible Employees are enrolled in a basic life and AD&D program paid for by Mission Point. The benefit amount is a flat $50,000
Voluntary 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.
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.
Short-Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term 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. Your coverage through Sun Life pays 60% of your weekly income to a maximum of $750 per week. The benefit will begin on the 1st day of an accident and an 8th day of an illness. The benefit will pay as long as you are still deemed disabled, or for 13 weeks.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. Benefits begin after a 90 day elimination period are equal to 60% of covered monthly earnings up to $3,000.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
ADDITIONAL EDUCATION
Carrier Contacts
BCBSM/BCN: Medical/Rx (Group # PPO:007011121; HMO:00155995) | PPO: 313.225.9000; HMO: 800.662.6667 | www.bcbsm.com
BCBSM: Dental (Group # PPO:007011121) | 313.225.9000 | www.bcbsm.com
BCBSM/VSP: Vision (Group # PPO:007011121) | 313.225.9000 | www.bcbsm.com
Sun Life: Life and Disability (Group # 955082) | 800.442.7742 | www.sunlife.com
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Payor portal, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact the HR team.