WELCOME
Helping you and your family reach and maintain good health is very important to Quasar Industries. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Quasar remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees.
Please review your benefit guide, the remainder of this page, and all of the additional resources for more information regarding Quasar benefit plans.
ELIGIBILITY AND ENROLLMENT
Eligibility
You are eligible to participate if you are full-time and work a minimum of 40 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire. 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
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 now will 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.
MEDICAL/Rx
BCBSM/BCN | Group # 00731828 (BCBSM) 00239797 (BCN) | 877-790-2583 (BCBSM) (800) 662-6667 (BCN) | www.bcbsm.com
Quasar Industries will continue to offer three medical and prescription drug options in 2023:
- Blue Care Network HMO 500
- Blue Care Network HMO 0
- Blue Cross Blue Shield of Michigan Community Blue 250
A comparison of the options is below:
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.
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.
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.
VIRTUAL VISITS
All options allow you to see a provider virtually from your mobile device or your computer. You can use virtual visits when you have a non-emergency condition and:
- your doctor is not available;
- you become ill while traveling; or
- you are considering visiting a hospital emergency room for a non-emergency health condition.
Some examples of non-emergency conditions that can be treated through virtual care:
- bladder infection
- bronchitis
- fever
- rash
- flu
- sore throat
- stomach ache
How Much Does it Cost?
- BCN HMO 500 - $20 copay
- BCN HMO 0 - $25 copay
- BCBSM Community Blue 250 - $20 Copay
- Prescriptions: If you are prescribed a medication during a virtual visit, applicable Rx cost sharing will apply based on which Medical Benefit option you are enrolled in.
To get access to these convenient services, visit www.bsbsmonlinevisits.com and sign up - OR - you may contact BCBSM Online Visits at (844) 606-1608
DENTAL
MetLife | Group # 5448298 | (800) 275-4638 | www.metlife.com/dental
The Dental Benefit option provides comprehensive coverage to help you and your family maintain good dental health. Be aware if you go out-of-network, your costs will be higher.
Your plan details are below:
FLEXIBLE SPENDING ACCOUNTS
Varipro | (800) 732-3412 | www.varipro.com
Quasar Industries offers both Health Care and Dependent Care Flexible Spending Accounts (FSA) that 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.
Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
Health Care FSA
- Up to $1,200 annually
- All benefit eligible employees can participate
Allows you to pay for medical, dental and vision expenses that are not covered by your plans with pre-tax dollars.
- Deductibles & Copays
- Dental/Vision Expenses
Dependent Care FSA
- Up to $5,000 annually, $2,500 if you are married and file separate tax returns
- This account is separate from the Medical Reimbursement Account.
- You can only spend what is in the account
Allows you to pay for eligible child or elder care expenses with pre-tax dollars while parents are at work
- Pre-School
- Latch Key programs through age 13
- After school programs or summer camps (no overnight stays)
- Centers providing Day Care (not residential care) for Adults
- Disabled Dependents
LIFE AND DISABILITY
Quasar Industries provides you with financial protection benefits with Basic Life insurance and Short Term Disability benefits.
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.
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.
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.
CONTACT INFORMATION
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