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.


2022-2023 Benefit Guide

2022-2023 Benefit Guide

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’.



All Plans Benefit Summaries

Side-By-Side Plan Comparison

All Plans Benefit Summaries

Side-By-Side Plan Comparison

PPO 1500 SBC

Summary of Benefits and Coverages

PPO 1500 SBC

Summary of Benefits and Covera ...

PPO HSA 3000 SBC

Summary of Benefits and Coverages

PPO HSA 3000 SBC

Summary of Benefits and Covera ...

PPO HSA 6350

Summary of Benefits and Coverages

PPO HSA 6350

Summary of Benefits and Covera ...

How PPO HSA Plans Work

Video Overview

How PPO HSA Plans Work

Video Overview

How PPO Plans Work

Video Overview

How PPO Plans Work

Video Overview

Primary Care vs. Urgent Care vs. ER

Video Overview

Primary Care vs. Urgent Care vs. ER

Video Overview

PPO HSA vs. PPO

Video Overview

PPO HSA vs. PPO

Video Overview

Dental

Provided through Delta 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.

Benefit Summary

Benefit Summary

How Does Dental Insurance Work?

How Does Dental Insurance Work?

Vision

Provided through EyeMed

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.



Benefit Summary

Benefit Summary

How Does Vision Insurance Work?

Video Overview

How Does Vision Insurance Work?

Video Overview

HSA (Health Savings Accounts)

Provided through HealthEquity

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



What Is a Health Savings Account (HSA)?

What Is a Health Savings Account (HSA)?

Harness The Power of An HSA

Harness The Power of An HSA

HSA Your Way Webinar

SPEND, SAVE AND INVEST IN YOUR HEALTHCARE

HSA Your Way Webinar

SPEND, SAVE AND INVEST IN YOUR ...

How to Optimize Your HSA

How to Optimize Your HSA

Life & AD&D

Provided through Prudential

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.


Life/AD&D

Certificate of Coverage

Life/AD&D

Certificate of Coverage

Life/AD&D Insurance

Video Overview

Life/AD&D Insurance

Video Overview

Disability

Provided through Prudential

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.

Short & Long Term Disability

Certificate of Coverage

Short & Long Term Disability

Certificate of Coverage

Short Term Disability

Video Overview

Short Term Disability

Video Overview

Long Term Disability

Long Term Disability

Voluntary Benefits

Provided through UNUM

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
What is Hospital Indemnity Insurance?

Video Overview

What is Hospital Indemnity Insurance?

Video Overview

What is Critical Illness Insurance?

Video Overview

What is Critical Illness Insurance?

Video Overview

What is Accident Insurance?

Video Overview

What is Accident Insurance?

Video Overview

Accident Benefit Summary

Accident Benefit Summary

Critical Illness Benefit Summary

Critical Illness Benefit Summary

Hospital Indemnity Benefit Summary

Hospital Indemnity Benefit Summary

Understanding Your Benefits

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How To Read An EOB (Explanation of Benefits)

How To Read An EOB (Explanation of 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