Helping you and your family reach and maintain good health is very important to Terry Barr Sales. 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.
Terry Barr Sales 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. Our plans will remain the same for the 2023 benefit year.
Please review the remainder of this page for more information regarding your plans offerings for 2023.
All full-time employees working at least 40 hours per week are eligible to participate in the benefit plans offered by Terry Barr Sales. 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:
ENROLLMENT INSTRUCTIONS:
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.
PAYROLL LOGIN INSTRUCTIONS:
Group # 007000163 | (877) 790-2583 | www.bcbsm.com
We will continue to offer two medical and prescription drug options in 2023, all with Blue Cross Blue Shield of Michigan (BCBSM):
A comparison of the options is below:
The Simply Blue 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 Simply Blue 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.
You may find the below information helpful, regardless of which option you choose.
BCBSM (Group # 007006119(BCBSM) 00130203(BCN)| (844) 606-1608 | www.bcbsmonlinevisits.com
Terry Barr Sales provides those employees who are covered by one of the 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.
Common Medical Services Include:
How Much Does it Cost?
To get access to these convenient services, visit www.bcbsmonlinevisits.com and sign up - OR - you may contact BCBSM Online Visits at (844) 606-1608
(866) 346-5800 | www.healthequity.com
If you enroll in the Simply Blue 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. I
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
HSA IRS Maximums for 2023 are as follows:
Group # 3861 | (800) 524-0149 | www.deltadentalmi.com
Dental Benefits through Delta Dental of Michigan provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater if you go to an in-network provider.
A comparison of the options is below:
Pediatric Dental coverage is offered only to dependents who are enrolled in the plan's Dental Benefits. These benefits are provided to members who are age 18 or younger as of January 1, 2023.
A comparison of the options is below:
Pediatric Vision coverage is offered only to dependents who are enrolled in the plan's Medical Benefits. These benefits are provided to members who are age 18 or younger on January 1, 2023.
A comparison of the options is below: