WELCOME
Helping you and your family reach and maintain good health is very important to Trucent. 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.
ENROLLMENT
To enroll in your benefits or review your elections made during open enrollment please visit link below.
The benefit choices you make during your initial enrollment or open enrollment remain in effect all year long.
You can, however, modify your elections under certain circumstances, called Qualifying Life Events (QLE). These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a QLE, 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.
View the QLE video or contact Human Resources if you have questions about QLEs.
MEDICAL
Blue Cross Blue Shield of Michigan
You have two medical plan options, detailed benefit summaries for each can be found below.
Don't forget you can take advantage of PillarRx and GoodRx.com
VIRTUAL VISITS
BCBSM Online
Those employees who are covered by one of the BCBSM/BCN 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.
To get access to these convenient services download the app, visit the website, or call 844.606.1608.
WELLNESS
DENTAL
Delta Dental
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
BCBSM/VSP
We offer vision coverage through BCBSM/VSP 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 VSP Network.
HEALTH SAVINGS ACCOUNTS
HealthEquity
A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
FLEXIBLE SPENDING ACCOUNTS
iSolved
The Health Care, Limited Purpose and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an FSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HEALTH CARE FSA
- You may contribute up to $3,050 annually, $610 rollover
- All benefit eligible can participate, unless you or your spouse are contributing to an HSA
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
LIMITED PURPOSE FSA
- You may contribute up to $3,050 annually, $610 rollover
- If you are enrolled in an HDHP – you are only able to participate in a Limited Purpose FSA
- Limited Purpose FSA can over cover the costs for qualified dental and vision expenses for yourself and dependents – you cannot submit the same expense to your HSA and Limited Purpose FSA
DEPENDENT CARE FSA
- You may contribute up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
- Eligible expenses include care for your dependent child, spouse, parent or grandparent who are incapable of caring for themselves
LIFE & DISABILITY
Mutual of Omaha
We provide all team members with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through Mutual of Omaha.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for 1x your base salary, to a maximum of $50,000, in coverage payable to your designated beneficiary in the event of your death. 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 Term 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.
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 just 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 Mutual of Omaha pays 60% of your income to a maximum of $1,500 per week.
Long-Term Disability
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 180-day elimination period are equal to 60% of covered monthly earnings up to $9,000 for as long as you are disabled or your Social Security Retirement Age.
PROVIDED TO ALL EMPLOYEES
The resources below are provided to all full-time employees at no additional cost:
Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services through Mutual of Omaha. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. Visit https://www.mutualofomaha.com/eap/ or call 800-316-2796 for confidential consultation and resources services.
Hearing Discount - Program benefits include, custom hearing solutions, risk-free trial, hearing aid low price guarantee, and continuous care. For more information call Amplifon at 888.534.1747 and a Patient Advocate will assist you or visit https://www.amplifonusa.com/mutualofomaha
Will Preparation Services - All employees have access to the financial coaching and will preparation services available through Eqoq. Create your will at https://willprep.clientsecured.com/willprep/ and use the code MUTUALWILLS to register.
Travel Assistance & Identity Theft - Pre-trip planning, assistance while traveling, and emergency medical transportation benefits for covered persons traveling 100 miles or more from home.
Inside the US call toll free: 1.800.856.9947
Outside of the US call toll free: 1.800.856.9947
CARRIER CONTACTS
Blue Cross Blue Shield of MI https://www.bcbsm.com/ 877.790.2583
Delta Dental of MI https://www.deltadentalmi.com/ 800.524.0149
Blue Cross Blue Shield (VSP Network) https://www.vsp.com/ 800.877.7195
Mutual of Omaha https://www.mutualofomaha.com/ 800.775.8805
iSolved Benefit Services https://www.isolvedbenefitservices.com/ 866.370.3040
HealthEquity https://www.healthequity.com/ 866.346.5800
CONTACT US
As you consider your benefit options, please be sure to review all available information: this Landing Page, Intranet, and list to the recording of the Open Enrollment meeting. If you don't understand your benefits or need any assistance, please contact the Human Resources Department.
Client Contacts
Amanda Lazarus
alazarus@trucent.com
(734) 253-2877