Helping you and your family reach and maintain good health is very important to Ross. 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.
Employee Eligibility: You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective after 90 days of active employment.
For example, if you are hired on April 1st, your coverage will become effective on July 1st. You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.
Action Required: All elections must be submitted within 15 days of eligibility.
Remember: The benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called “Qualifying Life Event”. These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child. Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
Any questions? Reach out to:
Karen Carroll
karen.carroll@rosscontrols.com
248-764-1860
Below is an overview of the plan, for more information see attached Summary of Benefits Coverage (SBC).
When using the Find a Doctor link, you will be prompted to enter your location, then click back at the top right hand side of the page to select a plan type, you will select the first PPO option (under Group Health Plans).
Ross provides those employees who are covered by the BCBS medical plan access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home. With BCBSM Online Visits, eligible employees and dependents have access to board certified doctors, psychiatrists and licensed therapists 24 hours a day, 7 days a week, 365 days per year.
How Much Does It Cost?
HDHP/HSA Plan: Services will be subject to your deductible and coinsurance; applicable charges until you have satisfied your deductible are as follows:
Virtual Medical Visits are $59; Virtual Therapy visits are $85-$99; Virtual Psychiatry is $199 for the initial visit and $95 for follow up visits.
Prescriptions: If prescribed during a virtual visit, applicable Rx cost sharing will apply based on which medical plan you are enrolled in.
A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
HSA Reminders:
To make mid-year changes to your HSA contributions, contact Karen Carroll.
Our dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Mutual of Omaha (MOO) 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.
We offer vision coverage through Mutual of Omaha 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 MOO Network. Review your coverage details in the Summary of Benefits.
The Health Care, Limited Purpose and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an FSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HEALTH CARE FSA
LIMITED PURPOSE FSA
DEPENDENT CARE FSA
We provide all team members with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through Mutual of Omaha (MOO).
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for 1.5 your salary, to a maximum of $375,000, in 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 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.
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. Your benefits begin on the 15th day of accident or illness and will pay 60% of your income up to a maximum of $2,000 per week, for 11 weeks.
Long-Term Disability
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. Benefits begin after a 90-day elimination period and are equal to 60% of covered monthly earnings up to a maximum of $7,000 per month.
Ross 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 voluntary benefits which help to provide financial support to employees.
Voluntary benefits are paid for by the employee and include:
The following services are free of charge for all employees, and if applicable to their families as well. See flyers for more information.
Value-Add Aflac services: HealthAdvocate, Online Personal Wellness and Fraud Protection with EZShield.
Value-Add Mutual of Omaha services: Employee Assistance Program (EAP), Will Preparation Services, Worldwide Travel Assistance, and Financial Wellness Tools.
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 Human Resources.