SK Detroit Law Partners 2025 Benefits

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Wellbeing
  4. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  5. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Virtual Visits
    5. Carrier Resources & Education
  6. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  7. Dental
    1. Dental Plans Overview
    2. Providers & Networks
    3. Carrier Resources & Education
    4. Pediatric Dental
  8. Vision
    1. Network & Resources
    2. Pediatric Vision
  9. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  10. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  11. 401k
  12. Additional Educational Videos
  13. Have Questions?
  14. Footer

Welcome

Helping you and your family reach and maintain good health is very important to SK Detroit Law Partners. 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. SK Detroit Law Partners 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. Highlights of the 2025 benefit plans include:

  • HMO Plan Change - now $500/$1,000 deductible 80%/20% coinsurance
  • Dental Carrier Change - now Delta Dental

Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!

OPEN ENROLLMENT REMINDER!

open enrollment

Open Enrollment is from December 9, 2024 through December 13, 2024. This is the time of year where you can elect new plans with SK Detroit Law Partners. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2025:

  • If you are currently covered by the Voluntary Life/AD&D, you may increase your benefit by one increment up to the GI with no evidence of insurability!

  • THIS IS AN ACTIVE ENROLLMENT! You must make an active election for all benefits. Current elections will not carry forward.

  • Open Enrollment meetings will be held in person as follows:
    • December 9th @ 9:00 AM EST

Wellbeing

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At SK Detroit Law Partners, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.

To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.

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Eligibility & Enrollment

All FULL-TIME employees working at least 30 hours per week are eligible to participate in the benefit plans offered by SK Detroit Law Partners. Newly hired employees will be eligible the 1st of the month following 2 months of full-time employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse (ONLY if your spouse does not have other coverage available to them) and children.

Children are eligible for benefits as follows:

•Medical and Vision: Until the last day of the year in which the child turns 26

•Dental: Until the last day of the year in which the child turns 26

•Dependent Child Life Insurance: Until the last day of the year in which the child turns 26

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Employee Navigator

Employee Navigator

Action Required: All elections must be submitted by December 13, 2024!

This is an ACTIVE ENROLLMENT! All employees must access Employee Navigator and either elect or waive benefits by December 13, 2024; otherwise, all benefits (with the exception of employer paid Life/AD&D, STD, & LTD) will be terminated effective 12/31/2024.

ENROLLMENT INSTRUCTIONS:

  1. Review the information in this guide and benefit plan summaries.
  2. Login and complete your enrollment through Employee Navigator
  3. You will not be allowed to make changes after the open enrollment window closes, unless you experience a qualifying life event.

The only opportunity to modify your plan elections for 2025 is if you have a 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 Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes in Employee Navigator within 30 days of the event (60 days if due to adding a new child from birth or adoption). You will need to provide supporting documentation to support the changes based on the Qualifying Life Event. Exception: HSA contributions can be changed at any time for any reason.

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

Medical & Rx

BCBSM & BCN I Group # (BCN) 00155012 (BCBSM) 007010929 | (BCN) (800) 662-6667 (BCBSM) (877) 722-6030 | www.bcbsm.com

Blue Cross Blue Shield of MI (BCBSM) and Blue Care Network (BCN) will continue to be your medical and prescription carrier. You have the choice between two plans for the 2025 plan year. The two plan options include a PPO HSA plan, and an HMO plan. View the Providers & Networks for more information on how two plans networks differ from each other as well as buttons to locate participating providers.

If you are already enrolled in one of the SK Detroit Partners BCBSM/BCN medical plans today and have not already done so, please be sure to register through the BCBSM member portal where you can access important information pertaining to your medical plans with BCBSM including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the BCBSM portal as of your effective date of coverage. Information on how to register can be found here.

2025 Medical/Rx Updates and Changes:

  • HMO Plan Change - now $500/$1,000 deductible 80%/20% coinsurance

Opt Out Credit:

  • SK Detroit Law Partners will give you a $50 monthly credit if you waive medical coverage for your dependents
  • SK Detroit Law Partners will give you a $95 monthly credit if you waive medical benefits for yourself and your dependents
BCBSM/BCN Member Portal

Your coverage must be active to register

BCBSM/BCN Member Portal

Your coverage must be active t ...

Below is a high-level overview of your plan options and in-network benefit information:

You can view more details of these plans by accessing the benefit summaries provided below.

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HMO 500

Benefit Summary

HMO 500

Benefit Summary

PPO HSA 2500

Benefit Summary

PPO HSA 2500

Benefit Summary

Look up your prescriptions by viewing the BCBSM/BCN Drug Lists. Use the Control F feature to type in the name of your prescriptions and determine which level the drug is and whether a Prior Authorization (PA) or Quantity Limits (QL) apply. You can also determine whether there may be lower cost alternatives for your prescriptions.

Helpful Rx Cost Saving Tools & Tips!

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking here.

GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (insurance will not be applied and costs with the coupon will not count towards your deductibles and/or out-of-pocket maximums).

ASK YOUR DOCTOR – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

BCBSM Drug List

BCBSM Drug List

BCN Drug List

BCN Drug List

The three medical plans function differently when it comes to networks and access. The PPO plan provides out-of-network coverage for a variety of services, whereas the HMO only provides out-of-network coverage in the event of a true emergency. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing.

Instructions and tips for locating participating providers below --

  • PPO PROVIDERS Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "PPO Plans"
  • HMO PROVIDERS Available to MI residents only. Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "Blue Care Network HMO & POS Plans"
ppo hmo pos

ppo hmo pos

Teladoc Health

Blue Cross Online Visits transitioned to Virtual Care through Teladoc Health

Members will continue to get the same urgent and behavioral health virtual care that they do today but with a new look and feel with better integration with other virtual care solutions they may be engaged in.

All eligible members will need to download the Teladoc Health app and create a new account with Teladoc Health. The Blue Cross Online Visits app will no longer be available as of 1/1/24.

Virtual Urgent Care

Have a virtual visit with a U.S. board-certified doctor for minor illnesses such as colds, sore throats, urinary tract infections and pink eye. Visits are available for adults and children 24/7.

Mental Health Services

Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Mental health visits require an appointment, but many therapists and psychiatrists have evening and weekend availability.

Download the App

HDHP+HSA

HDHP+HSA

pc us er

pc us er

Blues Wellbeing

Member Mental Health Resources

Blues Wellbeing

Member Mental Health Resources

Blue 365

Member Discounts

Blue 365

Member Discounts

Preventive Care

Preventive Care

PPO Rewards

PPO Rewards

Need your ID Card?

Need your ID Card?

Accounts

(866) 346-5800 | memberservices@healthequity.com | www.healthequity.com

You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by SK Detroit Law Partners.

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The PPO HSA Medical Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.

HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.

  • $4,300 for a single contract | $8,550 for a two person or family
  • $1,000 "Catch Up" contribution for those age 55+

If you have an HSA with another bank or custodian, you can transfer your funds to the SK Detroit Law Partners HSA's with Health Equity by completing this form.

Visit the Health Equity HSA page for more information by clicking HERE!

HSA Overview

HSA Overview

HSA Store

HSA Store

Qualified Medical Expenses

Qualified Medical Expenses

Cornerstone Preferred Resources I (800) 278.0703 I info@cprtpa.com

The Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is you have access to the full annualized amount on day one!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, if you get married, you can increase your contribution, however, you cannot decrease or end your FSA for this type of life event.

Health Care FSA

  • Up to $3,300 annually
  • All benefit eligible can participate
  • If you are enrolled in the HDHP PPO with HSA plan, you will be eligible for the Limited Purpose FSA only
  • A maximum amount of $660 will be carried over to your 2026 FSA, any amount leftover in excess of $660 will be forfeited
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses

Limited Purpose FSA

  • If you open or contribute to a Health Saving Account (HSA), you may only enroll in a Limited Purpose FSA.
  • If you enroll in a HDHP (High Deductible Health Plan) and elect a Health FSA, you will automatically be enrolled in the Limited Purpose FSA.
  • The limited purpose FSA will reimburse you for dental and vision expenses ONLY

Visit the Health Equity FSA page for more information by clicking HERE!

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Cornerstone Preferred Resources I (800) 278.0703 I info@cprtpa.com

The Dependent Care Reimbursement Account (DCRA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses. Qualifying expenses include daycare, nursery & preschool tuition, summer day camps, and more!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, you can increase your contribution if you add another member to your family through birth or adoption, however, you cannot decrease your contribution for this type of life event. 

Dependent Care FSA

  • Up to $5,000 annually, $2,500 if you are married and file separate tax returns
  • Reimbursements allowed for care for certain dependent children (under age 13) and for a spouse, parent or grandparent that is incapable for caring for themselves
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Dental

Delta Dental

Group #12031 | 800.524.0149 | www.deltadentalmi.com

SK Detroit Law Partner's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.

Please be sure to register through the Delta Dental member portal where you can access important information pertaining to your dental plan with Delta Dental including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Delta Dental portal as of your effective date of coverage.

Delta Member Portal

Log-In/Register Here!

Delta Member Portal

Log-In/Register Here!

SK Detroit Law Partners Dental Benefits 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.

Below is a high-level overview of your plan options and benefit information:

What are Preventive Services? Routine oral exams and cleanings, x-rays, sealants & fluoride treatments

What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings, prosthetic maintenance

What are Major Services? Prosthodontics, crowns, dentures, implants & bridges

You can view more details of these plans by accessing the benefit summaries provided below.

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Dental

Benefit Summary

Dental

Benefit Summary

Delta Dental of Michigan offers the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier. Plus, you will not be balance billed if you see a PPO or Premier dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.


When traveling out of the United States you also have access to the Passport Dental program giving you access to a worldwide network of dentists. English-speaking operators are available to help you access care. Delta Dental coverage outside of the United States is the same as Delta Dental coverage within the United States.


Locate a participating provider by using the button below, select Delta Dental PPO plus Premier.

Dental Benefits 101

Dental Benefits 101

Pre-treatment Estimate

Pre-treatment Estimate

Delta Kids Club

Delta Kids Club

Pediatric Dental coverage is offered only to dependents who are enrolled in BCBSM/BCN medical coverage and Pediatric members are members who are age 18 or younger on the plan’s effective date. They remain pediatric members through the end of the calendar year in which they turn 19.


Vision

NVA | Group # 51226 | (800) 672-7723 | www.e-nva.com

SK Detroit Law Partners offers vision coverage through NVA to help pay for eye exams, prescription glasses and contact lenses.

If you are already enrolled in one of the SK Detroit Law Partner's vision plan today and have not already done so, please be sure to register through the NVA member portal where you can access important information pertaining to your vision plan with NVA including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the NVA portal as of your effective date of coverage.

Below is a high-level overview of your plan and in-network benefits:

Create a Login

Create a Login

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Click Here to Find a Vision Provider

Click Here to Find a Vision Provider

Vision

Benefit Summary

Vision

Benefit Summary

Pediatric Vision coverage is offered only to dependents who are enrolled in BCBSM/BCN medical coverage and Pediatric members are members who are age 18 or younger on the plan’s effective date. They remain pediatric members through the end of the calendar year in which they turn 19.


Financial Protection

SK Detroit Law Partners understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

Reliance Standard Life Insurance

Policy # GL 158612 | (800) 351-7500 I www.reliancestandard.com

A sudden accident or death can leave you or your loved ones in a vulnerable position. SK Detroit Law Partners provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of 2 time's your annual salary up to $350,000 (reduced if you are age 70 or older) at no cost to you. Employees have the opportunity to enroll in additional 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.

Supplemental Life

You have the opportunity to enroll in Supplemental Life insurance for yourself, your spouse or your dependent children, which will supplement lost income in the event of death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. You must elect Supplemental Life insurance coverage in order to elect coverage for your spouse and/or children.

  • Employee: Choose in $10,000 increments up to the lesser of 5x your annual salary or $500,000. Guarantee Issue: $150,000
  • Spouse: Choose in $10,000 increments up to the lesser of 50% of the amount you elect for yourself or $250,000. Guarantee Issue: $20,000
  • Child: Flat coverage of $10,000. Guarantee Issue: $10,000

Evidence of Insurability (EOI): When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI). Annually, you are able to increase elections 1 increment up to GI without proof of good health. 

Any amount elected over the GI will require EOI. Late Entrant will require EOI.

  • Evidence of Insurability (EOI) is required for increases in excess of 1 increment during open enrollment and for those electing voluntary life for the first time after initially waiving the 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.

Lincoln Financial Group | Policy # 00010185254 (LTD) 000010185255 (STD) | (888) 628- 4824I www.lfg.com

SK Detroit Law Partners provides both Short & Long Term Disability benefits at no cost to you!

Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. 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.

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. Your Short-Term Disability benefit is equal to 66.67% of your base weekly earnings (up to $1,000 per week) for up to 11 weeks.

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. Your Long-Term Disability benefit is equal to 60% of your base monthly earnings up to a specific maximum benefit (see Human Resources for more information).

Personal Support & Assistance

SK Detroit Law Partners realizes that your needs go beyond just the standard insurance. This is why we also provide all employees, and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program to give you peace of mind and support when you need it the most!

Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.

  • Employee Connect - Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services through Lincoln Financial Group. Representatives are available 24/7 who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.
EmployeeConnect

ID: LFGSupport | Pass: LFGSupport1

EmployeeConnect

ID: LFGSupport | Pass: LFGSupp ...

Additional Educational Videos

Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.


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