OVERVIEW

Plum Market remains committed to providing a competitive, cost-effective benefit program. Please review your Benefits Enrollment Materials for information on all of your benefits.


2022 Benefits Program Overview:

  • Our Medical/Rx insurance carrier will be Priority Health, who uses Cigna's network and pricing schedule.
  • Delta Dental is our Dental carrier
  • BCBSM/VSP is our Vision carrier
  • UNUM is our Life/AD&D, Disability and Voluntary Benefits carrier
2022-23 Benefits Overview Video

2022-23 Benefits Overview Video

ENROLLMENT

Benefits begin on the first of the month following 60 days of employment.


Action Required:

  1. Go to https://workforcenow.adp.com
  2. Create an account Note: ADP can be reached at 855-693-2181 or by email at: hrservicesemployee@adp.com.
  3. Verify all of your personal information.
  4. After making your elections, you have the option to print out your Enrollment Summary Statement that contains all of your benefit elections and beneficiary designations.



Remember, this is the only time during the year that you can enroll in coverage or change your benefit elections, unless you have a Qualifying Life Event during the year. You have 30 days from the qualifying event date to notify HR to make the changes. Common life events are marriage, divorce, birth, adoption, and loss in coverage.

MEDICAL/RX

Priority Health


Priority Health will administer your medical and prescription drug benefits this year. To find out if your provider is in-network, please visit the website below. Your medical card will say Priority Health with a small Cigna logo on the back, but for claims, questions, and information about how a service might be paid, you will always call Priority Health, not Cigna.



BAAG PPO $1500

BAAG PPO $1500

BAAG POS $2500

BAAG POS $2500

BAAG POS $4000

BAAG POS $4000

ONLINE VISITS

MDLIVE


A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible

and out-of-pocket maximum.


Connect with MDLIVE one of three ways:

  1. Log into your member account at priorityhealth.com, click my health care, click get started with MDLIVE.
  2. Download the MDLIVE app
  3. Call MDLIVE at 800.400.6354


Click or ask to schedule your appointment.

You’ll be asked a few health questions, including a brief description of your current symptoms.

You’ll be connected to a care provider.



DENTAL

Delta Dental of Michigan


Plum Market's 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. Be aware if you go out-of-network, your costs will be higher. To find out if your provider is in-network, please visit the website below.


Dental Benefit Summary

Dental Benefit Summary

VISION

BCBSM/VSP


Plum Market offers vision coverage through BCBSM/VSP 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 VSP Network. Your vision card will say BCBSM this is who will pay the claims, but the network is VSP.



Vision Benefit Summary

Vision Benefit Summary

LIFE & AD&D

UNUM


Plum Market provides you with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through UNUM.


Basic Life/AD&D

Employees working 30 or more hours per week are eligible for a flat $25,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.


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 Voluntary 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.

Life/AD&D Benefit Summary

Life/AD&D Benefit Summary

Vol Life/AD&D Benefit Summary

Vol Life/AD&D Benefit Summary

DISABILITY

UNUM


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. The voluntary 100% employee paid coverage through UNUM is highlighted below.


*Evidence of Insurability is required for any amount of coverage that you apply for if you do not apply when first eligible (when you are a new hire)



STD Benefit Summary

STD Benefit Summary

VOLUNTARY BENEFITS

UNUM


Accident: A serious injury can cost you a lot of money – not only in medical bills but in things like income from lost work hours. Some injuries are minor, but others are debilitating and require significant medical care. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs.


Critical Illness: How would you pay your bills if you were suddenly diagnosed with cancer and couldn’t work? Critical illness insurance doesn't pay your medical bills. It pays you if you’re diagnosed with a covered illness. The benefit is paid directly to you and is your choice how to spend it.


Hospital Indemnity: Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when your admitted to the hospital for a covered accident, illness, or childbirth.


These befits offer a perk to get you some cash!

The “Be Well’ benefit pays you a lump sum of $50 per covered individual just for seeing your Doctor. Covered Wellness screenings include annual exams by a physician including physicals and well-child visits, and screenings for cancer, diabetes, cardiovascular health and more.

Accident Benefit Summary

Accident Benefit Summary

Critical Illness Benefit Summary

Critical Illness Benefit Summary

Hospital Indemnity Benefit Summary

Hospital Indemnity Benefit Summary

VALUE ADD SERVICES

UNUM


Employee Assistance Program (EAP): Your EAP is designed to help you lead a happier and more productive life at home and at work. Call for a confidential access to a Licenses Professional Counselor who can help you with; stress, depression, anxiety, relationship issues, divorce, job stress, work conflicts, family and parenting problems, anger, grief, loss and much more.


Work/Life Balance: You can also reach out to a specialist to help with balancing work and life issues. Just call and one of our Work/Life Specialists can answer your questions and help you find recourses in your community. Ask about childcare, elder care, legal questions, identity theft, financial services, debt management, credit report issues, even reducing medical and dental bills, and more.


Online/Phone Support: Unlimited, confidential, 24/7 at 800-854-1446 or www.unum.com/lifebalanace

In Person: You can get up to 3 visits available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support.


Travel Assistance: Whenever you are traveling more than 100 miles from home - to another country or just another city - be sure to pack your travel assistance phone number or keep this page favorited. They can help you replace lost prescriptions and passports, referral to English-speaking medical providers, hospital admissions assistance, care and transportation of an unattended minor child, legal and interpreter referrals.


Inside the U.S. 800-872-1414

Outside the U.S. +1 609-986-1234


Life Planning - Financial and Legal Resource: With Life/AD&D, after a claim is submitted and approved, a specially trained consultant will reach out to the employee or beneficiary to provide support. Each consultant holds a Masters' dress in the mental health field and is highly skilled at assisting those who need helping to deal with the emotional challenges of terminal illness or loss of a loved one. They can also provide financial and legal support regarding estate settlement, Social Security, cash flow, taxes, and investment planning. Creating a customized financial plan to preservice your quality of life, protect resources, and build a future of security.




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 hr@plummarket.com