Welcome
Helping you and your family reach and maintain good health is very important to Skyplace FBO. 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. We remain committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees.
Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2026!
In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. We recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.
To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.
Eligibility
All FULL-TIME employees working at least 30 hours per week are eligible to participate in the benefit plans we offer here. Newly hired employees will be eligible the 1st of the month following 30 days of full-time 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
•Dependent Child Life Insurance & AD&D: Age 19 or 25 if full a full-time student
Should your employment end with us, your coverage will end as of the date of termination for all benefits.
Enrollment
Action Required:
- Visit www.WhitesellConnection.com
- Enter your User ID: First Initial + Last Name (ex.: John Smith = JSmith)
- Enter your Password: Last 4 of your SSN
- Follow instructions and enroll in your benefits
- Make sure to save your elections and print your confirmation statement.
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.
Contact Human Resources if you have questions about qualifying events.
Medical & Rx
BCBSM I Group # 007006755 | 877.790.2583 | www.bcbsm.com
Blue Cross Blue Shield of MI (BCBSM) will continue to be your medical and prescription carrier. You have the choice between two plans for the 2026 plan year. The plan options include a standard PPO plan and a PPO HSA plan. View the Providers & Networks section for more information on how to locate participating providers.
If you are already enrolled in one of the medical plans today and have not already done so, please be sure to register through the BCBSM member portal where you can access important information pertaining to your medical plans with BCBSM including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the BCBSM portal as of your effective date of coverage. Information on how to register can be found here.
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided below.
Rx Information
Look up your prescriptions by viewing the BCBSM Drug List. Use the Control F feature to type in the name of your prescriptions and determine which level the drug is and whether a Prior Authorization (PA) or Quantity Limits (QL) apply. You can also determine whether there may be lower cost alternatives for your prescriptions.
Helpful Rx Cost Saving Tools & Tips!
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking here.
GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (insurance will not be applied and costs with the coupon will not count towards your deductibles and/or out-of-pocket maximums).
ASK YOUR DOCTOR – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
Providers & Networks
All of the options are PPOs. A PPO option offers the freedom to see any provider when you need care. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing.
Instructions and tips for locating participating providers below --
- PPO PROVIDERS Enter your zip code and select "Yes this is Correct" - then in the upper right corner click the orange box and select "Blue Cross Blue Shield of Michigan PPO"
Virtual Visits
BCBSM members have access to virtual care through Teladoc! All eligible members will need to download the Teladoc Health app and create a new account with Teladoc Health.
Virtual Urgent Care
Have a virtual visit with a U.S. board-certified doctor for minor illnesses such as colds, sore throats, urinary tract infections and pink eye. Visits are available for adults and children 24/7.
Mental Health Services
Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Mental health visits require an appointment, but many therapists and psychiatrists have evening and weekend availability.
***These programs are only available to those who are covered by medical plan we offer***
Additional Resources & Education
Health Savings Account (HSA)
(866) 346-5800 | memberservices@healthequity.com | www.healthequity.com
You have the opportunity to contribute to a savings account on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for HSA's.
What's New for 2026? IRS increases to the HSA contribution maximum.
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The PPO HSA Medical Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HSA IRS Maximums are as follows and are on a calendar year basis. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.
$4,400 for a single contract | $8,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
If you have an HSA with another bank or custodian, you can transfer your funds to the Health Equity HSA by completing this form.
Visit the Health Equity HSA page for more information by clicking HERE!
Dental
Group #9060 | 800.524.0149 | www.deltadentalmi.com
The dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.
If you are already enrolled in one of the Delta Dental plans today and have not already done so, please be sure to register through the Delta Dental member portal where you can access important information pertaining to your dental plan with Delta Dental including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Delta Dental portal as of your effective date of coverage.
Below is a high-level overview of your plan options and benefit information:
You can view more details of these plans by accessing the benefit summaries provided below.
Providers & Networks
Delta Dental of Michigan offers the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier. Plus, you will not be balance billed if you see a PPO or Premier dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.
When traveling out of the United States you also have access to the Passport Dental program giving you access to a worldwide network of dentists. English-speaking operators are available to help you access care. Delta Dental coverage outside of the United States is the same as Delta Dental coverage within the United States.
Locate a participating provider by using the button below, select Delta Dental PPO plus Premier.
Additional Resources & Education
Vision
Group # 1009246 | 866.800.5457 | www.eyemed.com
Vision coverage is offered through EyeMed to help pay for eye exams, prescription glasses and contact lenses. EyeMed also provides discounts for Hearing Care and Lasik.
If you are already enrolled in one of the EyeMed vision plans today and have not already done so, please be sure to register through the EyeMed member portal where you can access important information pertaining to your vision plan with EyeMed including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the EyeMed portal as of your effective date of coverage.
Below is a high-level overview of your plan and in-network benefits:
Network & Resources
Your vision network with EyeMed is the INSIGHT network. You may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to EyeMed for the applicable reimbursement based on the out-of-network reimbursement schedule.
Locate a participating provider using the button, select the INSIGHT network.
800.775.8805 | www.mutualofomaha.com
We understand the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.
Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. All eligible employees are provided Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of $25,000 (reduced if you are age 65 or older) at no cost to you.
Employees have the opportunity to enroll in additional 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.
- Evidence of Insurability (EOI) is required for increases in excess of 1 increment during open enrollment and for those electing voluntary life for the first time after initially waiving the coverage.
- 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.
- *Guarantee Issue only applies to new hires or newly eligible spouses (due to marriage) electing benefits for the first time; or, when increasing benefits during open enrollment. You are eligible to increase your benefits by 1 increment, not to exceed the guarantee issue amount, during the 2025 open enrollment period with no evidence of insurability.
Voluntary Disability
Short- & Long-Term Disability
Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. 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.
Personal Support & Assistance
Your needs may go beyond just the standard insurance. This is why we also provide all employees and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program and Travel Assistance resources, both to give you peace of mind and support when you need it the most!
Mutual of Omaha | 800.316.2796 | www.mutualofomaha.com/eap
Your EAP benefits are provided through your employer. There is no cost to you for utilizing EAP services. If additional services are needed, your EAP will help locate appropriate resources in your area.
Mutual of Omaha’s EAP assists employees and their eligible dependents with personal or job-related concerns, including:
- Emotional well-being
- Family and relationships
- Legal and financial matters
- Healthy lifestyles
- Work and life transitions
EAP Benefits:
- Access to EAP professionals 24 hours a day, seven days a week
- Provides information and referral resources
- Service for employees and eligible dependents
- Robust network of licensed mental health professionals
- Legal assistance and financial resources
- Online will preparation
- Legal library & online forms
- Financial tools and resources
US Toll Free: 800.856.9947 | Worldwide Collect: 312.935-3658
All employees and their families have access to use the Travel Assistance services. Travel assistance services are provided by AXA Assistance USA. Providing you with a 24-hour, toll-free service that provides a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and many other emergencies you may encounter when you travel. AXA Assistance USA offers pre-trip assistance including passport/visa requirements, foreign currency and weather information. To be eligible to utilize these services you must be traveling 100 or more miles from home or in a foreign country.
Services include, but are not limited to:
- Pre-Trip Assistance: Inoculation requirements, passport/visa requirements, currency exchange rates
- Emergency Medical Transportation: evacuation, family visits, return of vehicles or companions.
- Emergency Personal Services: translation, recovery of lost/stolen luggage or possessions, legal assistance
- Medical Services: referrals for local physicians, case monitoring. prescription assistance
View the materials below for additional information, exclusions, and/or limitations
Will Prep
Epoq | willprep.clientsecured.com/willprep/
Creating a will is an important investment in your future. It specifies how you want your possessions to be distributed after you die. Whether you are single, married, have children or are a grandparent, your will should be tailored for your life situation.
You will have access to FREE online will preparation services and Epoq will provide the following FREE documents:
- Last Will and Testament
- Power of Attorney
- Healthcare Directive
- Living Trust
Here's how it works:
- Log on to www.willprepservices.com and use the code MUTUALWILLS to register
- Answer the simple questions and watch the customization of your document happen in real life
- Download, print and share any document instantly
- Don't forget to update your documents with any major life changes, including marriage, divorce, and birth of a child
- Make the documents legally binding - check with your state for requirements
Identity Theft Recovery Assistance
AXA Assistance | Toll Free: 800.856-9947
If your identity is compromised, the most important thing to do is respond quicky. AXA Assistance will provide you with educational resources regarding the steps to take to recover your identity from credit card and check fraud. They will also provide you with a contact list of financial institutions, credit bureaus and check companies.
InsurChoice
InsurChoice offers you the ability to personalize your protection program — bringing you quick, convenient, holistic coverage with incredible cost-saving discounts across a variety of top-rated insurance products and carriers. Our program is simple, fast, and always online. Find coverage in the blink of an eye!
Key benefits include:
- Competitive pricing: One size doesn’t fit all, so you can match yourself with the best rates and coverages from multiple insurance companies.
- Custom-tailored coverage: Select the products that meet YOUR needs.
- Stability: We have relationships with key national carriers who have a proven track record of rate and coverage stability.
- Innovation: With our innovative product delivery platform we are constantly striving to add more benefits and improve your experience.
Your Menu Includes:
- Coverage for your HOME: Home Insurance, Renters Insurance
- Coverage for your AUTO: Auto Insurance, Auto Warranty
- Coverage for your PETS: Pet Insurance, Virtual Pet Care
.....plus much more! Click the button below to check it out!
Additional Educational Videos
Have Questions?
As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.
This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.