Terry Barr Sales

Table of Content

  1. Header
  2. Page
  3. WELCOME
  4. NEW HIRE ENROLLMENT AND ELIGIBILITY
    1. Eligibility
    2. Enrollment
  5. MEDICAL/Rx
    1. Simply Blue PPO
    2. PPO with HSA
    3. Additional Info
  6. VIRTUAL VISITS
  7. HEALTH SAVINGS ACCOUNT
  8. DENTAL
  9. PEDIATRIC DENTAL AND VISION
    1. Pediatric Dental
    2. Pediatric Vision
  10. LIFE AND DISABILITY
    1. Life and AD&D
    2. Long Term Disability
  11. VALUE ADDED BENEFITS
  12. CARRIER CONTACTS
  13. CONTACT INFORMATION
  14. Footer

WELCOME

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.

NEW HIRE ENROLLMENT AND ELIGIBILITY

Eligibility

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:


  • Medical and Dental: Until the last day of the year in which the child turns 26

Enrollment

ENROLLMENT INSTRUCTIONS:

  • Go to TerryBarrSales.ease.com
  • Log in to Ease per the instructions you have received from your HR administrator.
  • 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 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:

  • Paycor Secure Access Employee Login
  • Employees will receive an email from Paycor to set up a login and username. Once registered, you will be able to set up direct deposit and complete your W-4 and applicable withholdings.


What is a Qualifying Life Event

What is a Qualifying Life Event

MEDICAL/Rx

BCBSM

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):


  • Simply Blue PPO 250
  • Simply Blue PPO HSA 1500


A comparison of the options is below:



Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

Simply Blue PPO 250

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.

Simply Blue PPO HSA 1500

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.


Additional Resources

You may find the below information helpful, regardless of which option you choose.

BCBSM Member Registration

Both Options

BCBSM Member Registration

Both Options

Find an In-Network Provider

Find an In-Network Provider

Diabetes Management

Livongo

Diabetes Management

Livongo

Custom Select Drug List

Custom Select Drug List

Health and Wellbeing

Health and Wellbeing

Member Discounts

Member Discounts

SB PPO HSA 1500 Benefit Summary

SB PPO HSA 1500 Benefit Summary

SB PPO 250 Benefit Summary

SB PPO 250 Benefit Summary

VIRTUAL VISITS

BCBSM ONLINE VISITS

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:


  • Bladder Infections Cold/Flu Symptoms
  • Sore Throat
  • Pink Eye Rashes
  • Sinus Infections
  • Ear Infections
  • Stomach Issues 


How Much Does it Cost?


  • SB PPO 250: $0
  • SB PPO HSA 1500: $59
  • 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, visit www.bcbsmonlinevisits.com and sign up - OR - you may contact BCBSM Online Visits at (844) 606-1608

BCBSM Online Visits

BCBSM Online Visits

HEALTH SAVINGS ACCOUNT

HEALTH EQUITY

(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:

  • You must be covered by a Qualified High Deductible Health 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+

DENTAL

DELTA DENTAL MI

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:


Find a Dentist

Find a Dentist

Member Portal

Member Portal

Dental Benefit Summary

Dental Benefit Summary

PEDIATRIC DENTAL AND VISION

Pediatric Dental

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

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:


LIFE AND DISABILITY

UNUM

UNUM (Life and Disability) | (866) 679-3054 | www.unum.com

Life and AD&D

You are automatically enrolled in Basic Life and AD&D insurance benefits. Your Basic Life Insurance benefit is 1x your base annual earnings, up to a $100,000 maximum (reduced if you are age 70 or older), and the amount of your AD&D benefit is equal to your Life insurance. You do not need to enroll in these benefits as they are provided at no cost to you.