Quasar Industries

Table of Content

  1. Header
  2. WELCOME
    1. WELCOME
  3. ELIGIBILITY AND ENROLLMENT
    1. Eligibility
    2. Enrollment
  4. MEDICAL/Rx
    1. Blue Care Network HMO Options
    2. Blue Cross Blue Shield of Michigan Community Blue 250
    3. Additional Resources
  5. VIRTUAL VISITS
  6. DENTAL
  7. FLEXIBLE SPENDING ACCOUNTS
  8. LIFE AND DISABILITY
    1. Basic Life Insurance
    2. Short Term Disability
  9. EMPLOYEE ASSISTANCE PROGRAM
  10. CONTACT INFORMATION
    1. Carrier Contacts
    2. Contact Us
  11. Footer

Eligibility

All full-time employees are eligible to participate in the benefit plans offered by Quasar Industries. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.


Children are eligible for Medical and Dental benefits until the last day of the year in which the child turns 26.

Enrollment

Action Required: All elections must be submitted by 11/21/2022


ENROLLMENT INSTRUCTIONS:

  • Review the information in this guide and benefit plan summaries.
  • You must complete and sign an enrollment form, even if you are waiving coverage.
  • You will not be allowed to make changes after the open enrollment window closes, unless you experience a qualifying life event.


The Benefit choices you make during your open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Life Events." These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a Qualifying Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes online within 30 days of the event.


Contact Human Resources if you have questions about Qualifying Life Events.

What is a Qualifying Life Event

What is a Qualifying Life Event

2023 Election Form

2023 Election Form

2023 Benefit Guide

2023 Benefit Guide

Blue Care Network HMO Options

An HMO gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within that HMO’s network. To enroll in the HMO, you must live in Michigan and select a primary care physician (PCP), and you must obtain a referral from your PCP for other care. Quasar Industries offers two different HMO options.

BCBSM Community Blue 250

The BCBSM Community Blue 250 option is a PPO, which 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.

Additional Resources

You may find the below information helpful.

Member Registration

All Options

Member Registration

All Options

PPO and HMO Provider Search

PPO and HMO Provider Search

Blue 365

Member Discounts

Blue 365

Member Discounts

Blues Wellbeing

Member Mental Health Resources

Blues Wellbeing

Member Mental Health Resources

Take Charge of Your Diabetes with Livongo

Registration Code: BLUECROSSMISTART

Take Charge of Your Diabetes with Livongo

Registration Code: BLUECROSSMI ...

Custom Drug List PPO Plan

Custom Drug List PPO Plan

HMO Drug List

HMO Drug List

PPO vs. HMO

PPO vs. HMO

CB 250 Benefit Summary

CB 250 Benefit Summary

BCN HMO 500 Benefit Summary

BCN HMO 500 Benefit Summary

BCN HMO 0 Benefit Summary

BCN HMO 0 Benefit Summary

Basic Life Insurance

UNUM | Policy # 435694 | (800) 482-3990 | www.unum.com


You are automatically enrolled in Basic Life and AD&D insurance benefits. Your Basic Life Insurance benefit is 1 x your annual earnings, up to a maximum of $150,000 (reduced if you are age 70 or older). You do not need to enroll in these benefits as they are provided at no cost to you.


Accidental Death & Dismemberment (AD&D) Benefit doubles if the death occurs by an accident


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.

Basic Life Benefit Summary

Basic Life Benefit Summary

Short Term Disability

Lincoln Financial Group | Policy # 10259381 | (800) 423-2765 | www.lfg.com


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 Short Term Disability coverage provides you 60% of your base weekly earnings (up to $400 per week) for up to 26 weeks. This benefit is provided at no additional cost to you. Benefits begin on the 1st day of an accident and 8th day of an illness.


STD Benefit Summary

STD Benefit Summary

EMPLOYEE ASSISTANCE PROGRAM

Unum LifeWorks | (800) 854-1446 | www.lifebalance.net


All employees have access to Quasar Industries' employee assistance program (EAP). The EAP can help you:


  • Locate child care and elder care services
  • Speak with financial experts
  • Work through complex, sensitive issues
  • Get a referral to a local attorney for a free 30-minute legal consultation

Plus, you have unlimited website access to lifebalance.net where you can:

  • Read life articles and guides
  • View videos and online seminars
  • Use health management online calculators and tools
  • Use financial calculators and retirement planners


To learn more or request your EAP wallet card, please contact your human resources department.

Access the EAP Here

Username: lifebalance Password: lifebalance

Access the EAP Here

Username: lifebalance Password ...

Carrier Contacts

Contact information for each carrier is conveniently located below:


BCBSM/BCN | Group # 00731828 (BCBSM) 00239797 (BCN) | 877-790-2583 (BCBSM) (800) 662-6667 (BCN) | www.bcbsm.com

MetLife | Group # 5448298 | (800) 275-4638 | www.metlife.com/dental

Varipro | (800) 732-3412 | www.varipro.com

UNUM | Policy # 435694 | (800) 482-3990 | www.unum.com

Lincoln Financial Group | Policy # 10259381 | (800) 423-2765 | www.lfg.com

Unum LifeWorks | (800) 854-1446 | www.lifebalance.net

Contact Us

As you consider your benefit options, please be sure to review all available information, including the videos and links found on this webpage. If you have questions or need assistance, please contact Human Resources:


248-852-0300