Table of Content
- Header
-
Page
- WELCOME
- MEDICAL
- Rx
- HEALTH SAVINGS ACCOUNT (HSA)
- VIRTUAL VISITS
- DENTAL
- VISION
- FLEXIBLE SPENDING ACCOUNT (FSA)
- LIFE, DISABILITY, & VOLUNTARY BENEFITS
- EAP
- TRAVEL ASSISTANCE
- ADDITIONAL EDUCATION
- Contact Us
- Footer
WELCOME
Helping you and your family reach and maintain good health is very important to Piramal. Did you know most insurance carriers offer perks, discounts, and free services?
Review the remainder of this page and the resources to learn more about what each carrier has to offer!
MEDICAL
PPO Group #007007598 | (877) 790-2583 | www.bcbsm.com
Below is a high-level overview of your plan options:
Preventative care services are covered 100% in-network. Preventative services included women's preventative healthcare services, well-child visits, flu shots and routine physical exams.
What is a deductible? The amount you pay for covered health care services before your insurance plan starts to pay.
What is a coinsurance? The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible.
Rx
Please click on the documents below to learn more about how to save money on prescription drugs. A brief description of each resource can be found below as well:
- Sempre Health: this discount program focuses on certain drugs treating common chronic conditions including Diabetes, Cardiovascular conditions & Respiratory conditions. Call (855)-935-1557 or go to enroll.semprehealth.com/bcbsm to enroll.
- PillarRx: free high-cost drug discount program through BCBSM that helps members find & take advantage of manufacturer copayment assistance programs that significantly lower your out-of-pocket costs for these expensive medications. If you have questions about your copay assistance at any time, call PillarRx at (636) 614-3126.
HEALTH SAVINGS ACCOUNT (HSA)
(866) 346-5800 | memberservices@healthequity.com | www.healthequity.com
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible expenses. Both the GOLD and BRONZE medical plans are qualified for an HSA. By contributing to a 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 (any employer provided HSA funds will apply to the maximum noted below):
$3,850 for a single contract | $7,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
VIRTUAL VISITS
(800) 835-2362 | www.teladoc.com
All employees have access to virtual visits with Teladoc, regardless of whether you are enrolled in one of the Piramal Medical benefit options. Teladoc provides members the opportunity to receive medical care from the comfort of their own home. With Teladoc, eligible employees and dependents have access to board certified doctors 24 hours a day, 7 days a week, 365 days per year.
Common Conditions that may be diagnosed and treatable during a virtual visit include: Bladder Infections; Cold/Flu Symptoms; Sore Throat; Pink Eye; Rashes; Sinus Infections; Stomach Issues.
How Much Does it Cost? FREE!
Virtual Visits received for medical services are free for employees and their dependents! If prescribed a medication during a virtual visit, applicable Rx cost sharing will apply based on your prescription coverage.
To get access to these convenient services, visit www.Teladoc.com and click "Register Now" - OR - you may contact Teladoc at 800.835.2362.
DENTAL
Group #2773 | 800.524.0149 | www.deltadentalmi.com
Below is a high-level overview of your plan options:
Preventative care services are covered 100% in-network. Preventative services include routine oral exams and cleanings, x-rays, sealants & fluoride treatments
VISION
FLEXIBLE SPENDING ACCOUNT (FSA)
(866) 346-5800 | www.healthequity.com
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Health Care FSA
- Up to $3,050 annually
- At the end of the 2023/24 plan year, if you have not used all of your FSA funds, a maximum of $610 will carry over into next year's FSA plan (should you elect an FSA for the 2024/25 plan year).
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns