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. Below are highlights coming for 2023:
Please review the remainder of this page for more information regarding your 2023 benefit plan options.
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 Life 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 Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes online within 30 days of the event.
Contact Human Resources if you have questions about Qualifying Life Events.
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):
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.
You may find the below information helpful.
BCBS Online Visits I Group # (BCN) 00155012 (BCBSM) 007010929 | (844) 606-1608 | www.bcbsmonlinevisits.com
All options allow you to see a provider virtually from your mobile device or your computer. You can use virtual visits when you have a non-emergency condition and:
Some examples of non-emergency conditions that can be treated through virtual care:
How much does it cost?
Health Equity I (866) 346-5800 I www.healthequity.com
If you enroll in the BCBSM PPO HSA option, the Health Savings Account (HSA) allows 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:
HSA IRS Maximums
Employer HSA Contribution
Contribution Maximum (after employer contribution)
$1,000 "Catch Up" contribution for those age 55+
Equitable | Group # 006427 | (866) 274-9887 | www.equitable.com
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.
To find out if your provider is in-network, please visit the website below.