Saga Communications

Table of Content

  1. Header
  2. Page
    1. WELCOME
    2. OVERVIEW
    3. ENROLLMENT
    4. MEDICAL/RX
    5. HSA
    6. TELEMEDICINE
    7. DENTAL
    8. VISION
    9. LIFE AD&D
    10. STD
    11. LTD
    12. FSA
    13. ADDITIONAL RESOURCES
    14. UNDERSTANDING YOUR BENEFITS
    15. Carrier Contacts
    16. Contact Us
  3. 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.

Saga Communications Benefit Guide

Saga Communications Benefit Guide

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.

ADP

Make Your Open Enrollment Elections Here

ADP

Make Your Open Enrollment Elec ...

MEDICAL/RX

BCBSM

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.


www.bsbsm.com






BCBSM/BCN Member Registration

Your coverage must be active to register

BCBSM/BCN Member Registration

Your coverage must be active t ...

BCBSM Provider Search

Find An In-Network Provider

BCBSM Provider Search

Find An In-Network Provider

BCBSM Drug List

BCBSM Drug List

High Deductible Health Plan with HSA

High Deductible Health Plan with HSA

Blue 365

Blues Member Discounts

Blue 365

Blues Member Discounts

Blues Wellbeing

Mental Health Resources

Blues Wellbeing

Mental Health Resources

PPO HSA 3000 Benefit Summary

PPO HSA 3000 Benefit Summary

PPO 2000 Benefit Summary

PPO 2000 Benefit Summary

PPO 1000 Benefit Summary

PPO 1000 Benefit Summary

HSA

Health Savings Account

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+

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

TELEMEDICINE

Online Visits

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.

BCBSM Online Visits

Member Registration

BCBSM Online Visits

Member Registration

Telehealth

Telehealth

DENTAL

Delta

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.


www.deltadentalmi.com





Delta Dental Member Portal

Your coverage must be active to register

Delta Dental Member Portal

Your coverage must be active t ...

Delta Dental Providers

Base: PPO | Enhanced: PPO and Premier

Delta Dental Providers

Base: PPO | Enhanced: PPO and ...

Dental Insurance Overview Video

Dental Insurance Overview Video

Delta Benefit Summary-High Plan

Delta Benefit Summary-High Plan

Delta Benefit Summary-Core Plan

Delta Benefit Summary-Core Plan

VISION

VSP

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.


www.vsp.com