WELCOME
This is your opportunity to learn about the Saga Communications benefit plan offerings. Please review your 2022 Benefit Guide to see what plans are available with Saga Communications. Once your enrollment window has closed, you will not have the opportunity to make changes to your elections until open enrollment, unless you have a Qualifying Life Event.
Once you have reviewed your benefit information and are ready to submit your elections, please visit www.workforcenow.adp.com. Your elections must be submitted within 14 days of employment and benefits will begin on the 91st day of active employment.
ENROLLMENT
Action Required:
All elections must be submitted within 14 days of employment
ENROLLMENT INSTRUCTIONS:
1. Review the information in this guide and benefit plan summaries.
2. You must login to ADP www.workforcenow.adp.com and enroll or waive in coverages.
3. 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 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 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.
Contact Human Resources if you have questions about qualifying events.
MEDICAL/RX
BCBSM Medical/Rx (Group # 000072216) | 877.790.2583 | www.bcbsm.com
BCBSM will administer your medical and prescription drug benefits this year. The plans that will be offered effective January 1, 2022 are as follows:
- PPO 1000
- PPO 2000
- PPO HSA 3000
To view participating providers, please visit the BCBSM website below.
HSA
Health Equity HSA | 866.346.5800| www.healthequity.com
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:
$3,650 for a single contract
$7,300 for a two person or family
Employer HSA Contribution to the PPO HSA Plan
$500 Employee
$1,000 Two Person/Family
Employee Contribution after Employer
$3,150 Employee
$6,300 Two Person/Family
$1,000 "Catch Up" contribution for those age 55+
TELEMEDICINE
BCBSM Online (Group # 000072216) | 844.606.1608 | www.bcbsmonlinevisits.com
Saga Communications provides those employees who are covered by one of the BCBSM medical plans 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?
- PPO 1000/PPO 2000: $20 copay
- PPO HSA 3000: Covered-80% after deductible
- Prescriptions: If prescribed during a virtual visit, applicable Rx cost sharing will apply based on which medical plan you are enrolled in.
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
DENTAL
Delta Dental (Group # 0211) | 800.524.0149 | www.deltadentalmi.com
Saga Communications dental plans provide comprehensive coverage to help you and your family maintain good dental health. For 2022, the dental carrier will be Delta Dental.
Eligible employees may pick between the Basic or Enhanced plans. The Enhanced plan will provide richer benefits, orthodontia coverage, as well as both Delta Dental PPO and Premier dentists being considered as in-network dentists. The Base plan is limited to include Delta Dental PPO dentists as in-network.
To find out if your provider is in-network, please visit the website below.
VISION
VSP Vision (Group # 30079982) | 800.877.7195 | www.vsp.com
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
Saga Communications offers vision coverage through VSP to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the website below.
LIFE AD&D
Lincoln Financial Group (Group # 000010238534) | 800.423.2765 | www.lfg.com
Saga Communications provides you with financial protection options for life, accidental death & dismemberment with Lincoln Financial Group.
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.
- Basic Life/AD&D Employer Provided Benefit - No Cost to You
- Flat $40,000
- Spouse (up to $4,000) Child(ren) (up to $2,000) Max benefit for dependents 14 days to 6 months is $1,000
- Voluntary Benefit - Costs are based on Age and Amount of Coverage
- Employee: Option 1: 1X Basic Annual Earnings; Option 2: 2X Basic Annual Earnings; Option 3: 3X Basic Annual Earnings; Benefit Maximum: $750,000 - Guaranteed Issue: $450,000
- Spouse and Child: Option 1: Spouse (up to $8,000) Child (up to ($4,000) Option 2: Spouse (up to $12,000) Child (up to $6,000) Option 3: Spouse (up to $20,000) Child (up to $10,000)
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.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
STD
Varipro | 248.626.8898 | www.varipro.com
Saga Communications provides you with financial protection options for short term disability with Varipro.
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.
- STD Employer Provided Benefit - No Cost to You (Employees with more than 6 months service at open enrollment)
- 60% of Base Weekly Earnings up to a weekly maximum of $250 (Benefits begin on the 8th day for Accident / 8th day for Illness)
- STD Voluntary Benefit
- Option 1: 60% of Base Weekly Earnings up to a weekly maximum of $250 (Benefits begin on the 8th day for Accident / 8th day for Illness)
- Option 2: 60% of Base Weekly Earnings up to a weekly maximum of $1,000 (Benefits begin on the 8th day for Accident / 8th day for Illness)
- Option 3: 60% of Base Weekly Earnings up to a weekly maximum of $2,500 (Benefits begin on the 8th day for Accident / 8th day for Illness)
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
LTD
Lincoln Financial Group (Group # 000010238535) | 800.423.2765 | www.lfg.com
Saga Communications provides you with financial protection options for long term disability with Lincoln Financial Group.
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.
- LTD Employer Provided Benefit - No Cost to You
- 60% of Base Monthly Earnings up to a monthly maximum $1,000
- LTD Voluntary Benefit
- 60% of Base Monthly Earnings up to a monthly maximum $10,000
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
FSA
Varipro | 248.626.8898 | www.varipro.com
The Health Care and Dependent Care Flexible Spending Accounts (FSA) 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.
New for 2022 - those who elect the Dependent Care FSA will now receive a debit card.
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.
You may contribute as follows:
Health Care FSA
- Up to $2,750 annually
- All benefit eligible can participate
- If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
ADDITIONAL RESOURCES
- Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services through EmployeeConnect. 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.
- Will Preparation & Financial Services - All employees have access to the financial coaching and will preparation services available through LifeKeys Services.
- Travel Assistance - Pre-trip planning, assistance while traveling and emergency medical transportation benefits for covered persons traveling 100 miles or more from home (see your plan for details). From the United States and Canada, call (866) 525-1955 / From other locations, call collect (603) 328-1955.
- BCBS/BCN Virtual Wellbeing - Weekly webinars to support you in your wellbeing journey.
UNDERSTANDING YOUR BENEFITS
Carrier Contacts
BCBSM Medical/Rx (Group # 000072216) | 877.790.2583 | www.bcbsm.com
Delta Dental (Group # 0211) | 800.524.0149 | www.deltadentalmi.com
VSP Vision (Group # 30079982) | 800.877.7195 | www.vsp.com
Lincoln Financial Group (Group # 000010238534) | 800.423.2765 | www.lfg.com
Varipro | 248.626.8898 | www.varipro.com
Health Equity HSA | 866.346.5800| www.healthequity.com
Contact Us
As you consider your benefit options, please be sure to review all available information.
If you have any questions or need further assistance, please contact:
Annette Calcaterra
313.886.7070