Table of Content
- Header
-
Page
- WELCOME
- OVERVIEW
- ENROLLMENT
- MEDICAL/RX
- HSA
- TELEMEDICINE
- DENTAL
- VISION
- LIFE AD&D
- STD
- LTD
- FSA
- ADDITIONAL RESOURCES
- UNDERSTANDING YOUR BENEFITS
- Carrier Contacts
- Contact Us
- Footer
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.
