WELCOME
Helping you and your family reach and maintain good health is very important to The Recovery Project. The Recovery Project is 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.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by The Recovery Project. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and child(ren) up to age 26.
ENROLLMENT
ENROLLMENT INSTRUCTIONS
- Review the information in the Benefit guide.
- You must complete and sign an enrollment form to enroll/change coverage.
- You will not be allowed to make changes after outside of the 30 days of your initial election, unless you experience a Qualifying Life Event.
IMPORTANT:
You must notify HR and change elections within 30 Days of a Life Event.
MEDICAL/RX
BCBSM and BCN will continue to administer your medical and prescription drug benefits this year. The plan that will be offered effective January 1, 2023 are as follows:
- Simply Blue PPO $250
- Simply Blue PPO HSA $2000
- BCN HMO $250
For more information, please review your benefit guide.
To view participating providers, please visit the BCBSM website below.
TELEMEDICINE
The Recovery Project provides all employees and their dependents enrolled on a Recovery Project medical plan with BCBSM or BCN the ability to utilize virtual visits 24/7 365 days a year. Virtual visits offer you the opportunity to access medical and mental health care at any time without having to step foot into an office. Eligible employees and your family members have access to board certified doctors and psychiatrists and licensed therapists.
To get access to these convenient services, you can download the BCBSM Online Visits app with Apple or Google, you can visit www.bcbsmonlinevisits.com, or you may call 844.606.1608.
DENTAL
The Recovery Project dental plan provides comprehensive coverage to help you and your family maintain good dental health. Your Dental Carrier for 2023 is Ameritas. Seeking care in the Ameritas Dental PPO Network will give you the lowest out of pocket expenses, however, 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.
VISION
To find DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
The Recovery Project offers vision coverage through NVA 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 NVA network. Review your coverage details in your Benefit Guide.ut if your provider is in-network, please visit the website below.
To find out if your provider is in-network, please visit the website below.
LIFE & DISABILITY
The Recovery Project provides you with financial protection options for Life/AD&D, Voluntary Life/AD&D, Short Term Disability & Long Term Disability with Unum.
Life/AD&D
Employer Paid - $25,000 Life and Accidental Death & Dismemberment Insurance
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 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 paid 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.
Short Term Disability - Employer Paid
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.
Long Term Disability - Employer Paid
Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
Please consult your Employee Benefits Guide and review the benefit summaries for additional information.
VOLUNTARY BENEFITS
The Recovery Project provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees. Additional benefits include:
- Accident
- Hospital Indemnity
HSA
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
- Covered by a Qualified High Deductible Health Plan
- You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
- You cannot be covered by Medicare or Medicaid
- You cannot be eligible to be claimed as a tax dependent
- You have not received VA benefits in the past 90 days
HSA IRS Maximums are as follows:
$3,850 for a single contract
$7,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
Maximums noted above are off-set by any employer provided HSA funding.
PPO HSA 2000:
Single $450
2 Person/Family $1,050
MENTAL HEALTH RESOURCES
Your mental wellbeing is equally important as your physical wellbeing. The Recovery Project recognizes the importance of taking good care of yours and your families mental health. The Recovery Project provides all employees and their dependents access to the Employee Assistance Program with Unum.
For those employees covered by the BCBSM or BCN medical plan, you and your covered dependents also have access to virtual mental health services with BCBSM/BCN Online Visits (registration link included in Telemedicine section).
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
The Recovery Project
Human Resources
734.953.1745