Table of Content
- Header
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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
LIFE, DISABILITY, & VOLUNTARY BENEFITS
File a Claim or Leave of Absence Individual
This is a fast, secure way for you to initiate a benefits claim for yourself or a family member. Note that you will need some general information in order to begin this claim process. You may also need to complete an additional Authorization to Obtain Information, which allows us to request your medical records if needed. If you would like your benefit payment deposited electronically into your bank account, Reliance Standard will also need you to complete an Authorization for Electronic Fund Transfer. After Reliance Standard receives your claim submission, a Reliance Standard Claims Examiner will reach out to you, typically within 48 hours, to: - Verify the reasons for your claim - Gather any additional information needed to make a decision - Discuss your plan/benefit coverages and discuss the next steps in the decision process
EAP
Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.
- Includes up to 3 face-to-face visits
- Unlimited Referrals for child, pet, and elder care,
- Unlimited referrals for personal services and community resources
- 50-minute consultation for identity theft matters
- Legals services and support
- Plus much more!
Contact ACI Specialty Benefits toll-free at 855-RSL-HELP (855-775-4357) or rsli@acieap.com for more info and to take advantage of these free services when you need them most.
To identify your eligibility, use your group name: Ash Stevens, LLC; DBA: Piramal Pharma Solutions
TRAVEL ASSISTANCE
US Toll Free: 800.456.3893 | Worldwide Collect: 603.328.1966
To identify your eligibility, use your group name: Ash Stevens, LLC; DBA: Piramal Pharma Solutions
All employees and their families have access to use the Travel Assistance services. Travel assistance services are provided by On Call International (On Call). On Call is a 24-hour, toll-free service that provides a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and many other emergencies you may encounter when you travel. On Call also offers pre-trip assistance including passport/visa requirements, foreign currency and weather information. To be eligible to utilize these services you must be traveling 100 or more miles from home or in a foreign country.
Services include, but are not limited to:
- Pre-Trip Assistance: Inoculation requirements, passport/visa requirements, currency exchange rates
- Emergency Medical Transportation: evacuation, family visits, return of vehicles or companions.
- Emergency Personal Services: translation, recovery of lost/stolen luggage or possessions, legal assistance
- Medical Services: referrals for local physicians, case monitoring. prescription assistance
View the materials below for additional information, exclusions, and/or limitations.
ADDITIONAL EDUCATION
Contact Us
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.