Table of Content
- Header
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WELCOME
- WELCOME
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ELIGIBILITY AND ENROLLMENT
- Eligibility
- Enrollment
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MEDICAL/Rx
- Community Blue PPO
- BCBSM PPO HSA
- Blue Care Network HMO
- Additional Resources
- VIRTUAL VISITS
- HEALTH SAVINGS ACCOUNTS
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DENTAL
- Pediatric Dental
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VISION
- Pediatric Vision
- FLEXIBLE SPENDING ACCOUNTS
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LIFE AND DISABILITY
- Basic Life, AD&D and Supplemental Life Insurance
- Short Term and Long Term Disability Benefits
- PROVIDED TO ALL EMPLOYEES
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CONTACT INFORMATION
- Carrier Contacts
- Contact Us
- 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.
Please review your plan highlighter, the remainder of this page, and all of the additional resources for more information regarding SK Detroit Law Partners benefit plans.
ELIGIBILITY AND ENROLLMENT
Eligibility
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 coverage will be effective 1st of the month following 2 months of active employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.
Children are eligible for benefits as follows:
- Medical, Dental and Vision: Until the last day of the year in which the child turns 26
- Supplemental Child Life Insurance: Until the last day of the year in which the child turns 26
Enrollment
ENROLLMENT INSTRUCTIONS:
- Review the information in this guide and benefit plan summaries.
- Login and complete your enrollment through Employee Navigator.
- 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 2023 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 Paycor 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
SK Detroit Law Partners will continue to offer three medical and prescription drug options in 2023, all with Blue Cross Blue Shield of Michigan (BCBSM) or Blue Care Network (BCN):
- Community Blue PPO
- BCBSM PPO HSA
- BCN HMO
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
A comparison of the options is below:
The PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
The PPO HSA Plan is a qualified high deductible health plan (HDHP). It is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
Enrolling in this plan allows you to contribute tax free dollars to a health savings account (HSA). Any dollars that you (and your employer) wish to contribute can be used towards any eligible medical, Rx, dental and vision expenses that you may incur while covered under the plan.
An HMO gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within that HMO’s network. To enroll in the HMO, you must select a primary care physician (PCP), and you must obtain a referral from your PCP for other care.
Additional Resources
You may find the below information helpful.