Welcome

Helping you and your family reach and maintain good health is very important to The Slavik Companies. 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.

2023 Benefit Guide

2023 Benefit Guide

Eligibility

Employee: You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be the first of the month following 60 days of active employment.


Dependent Eligibility: You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.


Dependent Child(ren) are eligible for Medical, Vision and Dental Insurance through the last day of the calendar year in which they turn 26. For Child(ren) Life Insurance coverage will end on their 19th birthday, or 25 if unmarried and a full-time student.

Enrollment

How to Enroll:

  1. Review the information in this guide and benefit plan summaries.
  2. Go to www.bcnservices.com and click login, then HR Cloud Employees to sign in
  3. Enter your credentials
  4. Upon logging in to your HR cloud employee portal, you can click 'Benefits' then 'Benefit Enrollment'. You will also see a widget on your home page with a link to start the open enrollment.


Remember: The benefit choices you make during your initial enrollment or annual 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 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. Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.


For questions about enrollment or Qualifying Life Events please contact:


BCN Services Benefits Administrator

benefits@bcnservices.com or

calling main office at 734.994.4100 Option 4, during our normal business hours Mon – Fri 8 am-5 pm

What are Qualifying Life Events?

What are Qualifying Life Events?

Medical/Rx

Customer Service: 800-662-6667


BCBSM and BCN will continue to be our medical provider for the 2023 plan year.


PPO $2000 SBC

PPO $2000 SBC

POS $2000 SBC

POS $2000 SBC

HDHP with an HSA

HDHP with an HSA

Primary vs Urgent Care vs ER

Primary vs Urgent Care vs ER

HMO HRA $1500

HMO HRA $1500

HMO HSA $3000

HMO HSA $3000

Online Visits

BCBSM Online Visits


Slavik 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?

  • Traditional Plan: Same as in office copay.
  • HDHP HSA Plan: Services will be subject to your deductible and coinsurance; applicable charges until you have satisfied your deductible are as follows: Virtual Medical Visit $59; Virtual Therapy $85-$99; Virtual Psychiatry $199 for initial visit and $95 for follow up visits.
  • 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, download the BCBSM Online Visits app, visit www.bcbsmonlinevisits.com - OR - call 844.606.1608.

Dental

Customer Service: 800-524-0149


Our dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.


Vision

Customer Service: 888-581-3648


We offer vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the EyeMed Network.


How Does Vision Insurance Work?

How Does Vision Insurance Work?

Health Savings Account (HSA)

Customer Service: 866-346-5800


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:

  • You must be covered by the HMO HSA 3000 plan
  • You cannot be covered by another health plan (including if your spouse has a health care Flexible Spending Account)
  • You cannot be covered by Medicare or Medicaid
  • You cannot be eligible to be claimed as a tax dependent
  • You must have not received VA benefits in the past 90 days


HSA IRS Maximums for 2023 are as follows:

$3,850 for a single contract

$7,750 for a two person or family contract


$1,000 "Catch Up" contribution for those age 55+

What Is a Health Savings Account (HSA)?

What Is a Health Savings Account (HSA)?

Flexible Spending Account (FSA)

Customer Service: 800-422-4661


The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.


Contributions

The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.


You may contribute as follows:


Health Care FSA

  • Up to $3,050 annually
  • All benefit eligible can participate
  • If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
  • Reimbursements allowed for medical, prescription, dental, and vision expenses


Limited Purpose Health Care FSA

  • Up to $3,050 annually
  • All benefit eligible can participate
  • If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
  • Reimbursements allowed for eligible dental and vision expenses


Dependent Care FSA

  • Up to $5,000 annually
  • Limited to $2,500 if you are married and file separate tax returns

Life & Disability

Customer Service: 800-248-4512


We provide all eligible team members with Company paid Basic Life/AD&D coverage. Voluntary Employee Life, Dependent Life, Short-Term Disability and Long-Term Disability.


Basic Life/AD&D

Employees working 30 or more hours per week are eligible for 1x their Base Annual Earnings, up to $50,000, in coverage payable to your designated beneficiary in the event of your death. Spouses are eligible for a Flat $10,000 Benefit and Dependent Child(ren) are eligible for a Flat $2,000 Benefit. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.


Voluntary Life/AD&D

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Voluntary Life/Dependent 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.



When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to $80,000 GI for yourself and up to $10,000 for your spouse without providing EOI.

At Open Enrollment, currently enrolled employees can increase $10,000 or $20,000 up to GI amount without EOI. And can increase their spouse amount either $5,000 or $10,000 up to GI without EOI.

Any amount elected over the GI will require EOI. If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and submit it to Human Resources within 30 days of your election.

In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.


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.


Short-Term Disability

Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short-Term 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. Your coverage through LFG pays 60% of your weekly income to a maximum of $1,500 per week, for up to 11 weeks.


Long-Term Disability

Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long-Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. Benefits begin after a 90-day elimination period are equal to 60% of covered monthly earnings up to $8,000 per month for as long as you are disabled or until you reach your Retirement Age, or age 65, whichever comes sooner.


Please review Benefit Summaries for additional details.

Employer Provided Value Add's

Benefits Education

How to read an Explanation of Benefits (EOB)

How to read an Explanation of Benefits (EOB)

What is Preventative Care

What is Preventative Care

Benefit Terms Explained

Benefit Terms Explained

Carrier Contacts