Table of Content
- Header
-
Page
- Welcome
- Eligibility
- Enrollment
- Medical/Rx
- Dental
- Vision
- HSA (Health Savings Accounts)
- Life & AD&D
- Disability
- Voluntary Benefits
- Understanding Your Benefits
- Plan Details
- Contact Us
- Footer
Welcome
You are a valued team member of Patton Wings Inc. and your health and well-being are important to us. We are proud to provide you and your dependents with valuable and significant benefits. This is an overview of the benefits available to you. Please review it carefully in order to make the best choices for you and your family in the 2022-2023 plan year and consult the Human Resources Department with any questions.
Eligibility
Employee
You (Team Member) are eligible to participate if you are full-time salary employee. Your coverage will be effective 1st of the month following 30 days of employment.
Dependent(s)
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.
The term ‘child’ refers to any of the following:
- A natural (biological) child;
- A stepchild;
- A legally adopted child;
- A foster child;
- A child for whom legal guardianship has been awarded to the participant or the participant’s spouse/domestic partner; or
- Disabled dependents may be eligible if requirements set by the plan are met
Qualifying Life Events
You cannot make changes to your elections during the year unless you experience a qualified life event, which must be reported to Human Resources within 30 days of the event. Common events include; Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents. Be prepared to provide documentation to support the Qualifying Life Event as the IRS requires that the plan change be consistent with the event.
If you separate from employment, COBRA continuation of coverage may be available as applicable by law. COBRA Continuation details can be found in the notices section of this employee benefit guide.
Medical/Rx
You have three (3) plan options available to you: PPO 1500, PPO HSA 300 or PPO HSA 6350.
Medical benefits are administered by ASR, Prescription Drugs are administered by EHIM.
PPO | In-Network & Out-of-Network Benefits Available
The PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance
PPO HSA | In-Network & Out-of-Network Benefits Available
The HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs.
All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
Enrolling in this plan allows you to contribute tax free dollars to a health savings account (HSA). Any dollars that you (and your employer) wish to contribute can be used towards any eligible medical, Rx, dental and vision expenses that you may incur while covered under the plan. See HSA section of this guide for additional details.
To find an In-Network provider use the link below.
If you are a Michigan resident, select ‘Physicians Care & HAP Network’,
If you are a Non-Michigan resident, select ‘Multiplan Network’ or ‘CIGNA Network’.
Dental
Our dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental network, or you may see an out-of-network dentist of your choice.
Vision
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
We offer vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the EyeMed Network.
HSA (Health Savings Accounts)
A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 100% vested from day one, and let’s you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
2022 IRS Contribution Limits:
Single: $3,650
Two Person or Family: $7,300
Life & AD&D
Discussing what might happen to your family if you were not around to provide for them isn't always the easiest conversation, but it is necessary.
To help with the task of planning for your family’s security, we provide all eligible employees with $15,000 Basic Group Life Insurance and Accidental Death & Dismemberment (AD&D) coverage through Prudential.
We also offers optional life insurance plans. You may elect additional life insurance coverage up to plan maximums. You may also elect coverage for your spouse and/or children, subject to the plan provisions. Any election of new coverage or any increase of current coverage levels, for you or a dependent, will require EOI. It is your responsibility to complete the EOI and submit it to Prudential within 30 days of your election. You will not be charged for the excess coverage until it is approved by the carrier.
Note: Elected coverage for eligible dependent(s) may be delayed if the dependent is confined (at home, in a hospital, or any other institution or facility) or disabled on the date insurance would otherwise begin, in accordance with the terms of the policy.
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.
Serious illnesses or accidents can come out of nowhere. They 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.
Voluntary Benefits
We are proud to provide 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 benefits which help to provide financial support to employees. Additional benefits include:
- Hospital Indemnity
- Critical Illness
- Accident Care
Understanding Your Benefits
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact the Human Resources Department.
Patton Wings Human Resources Department
13405 W. Star Drive, Suite 102, Shelby Township, MI
(586) 781-0591 ext. 119