Wellbeing
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. At WestCongress Insurance Services LLC, 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.
Benefits are offered to full-time employees who work a minimum of 30 hours a week. New employees are eligible on the 1st of the month following date of active employment.
Dependents, as defined as:
- Legal spouse or child may be enrolled with employees as well.
- Dependent eligibility varies by line of coverage, please consult HR with questions.
Medical, Dental and Vision: Dependents are covered until the last day of the calendar year they turn age 26.
Child Life insurance: Until the day the child turns age 26.
Should there be termination of employment your coverage will continue through the end of the month following last day worked.
Below is a high-level overview of your plan options and in-network benefit information:
West Congress is making an employer contribution of $500 single/$1,000 employee plus one and family, to any employee electing the POS HSA 2500
You can view more details of these plans by accessing the benefit summaries provided below.
BCBSM Group # 007043505| BCN Group # 00284529
(877) 790-2583 | www.bcbsm.comThe medical plans function differently when it comes to networks and access. The PPO and POS plans provide out-of-network coverage for a variety of services. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing.
Review the information below for more details on the differences between the PPO plan and the POS plans.
PPO Plan
In and Out of Network Coverage available
Member is not required to have a designated PCP to receive in-network benefits.
No referral is required to see a specialist.
POS 1500 & POS HSA 2500
In and Out of Network Coverage available
Michigan Member is required to have a designated PCP to receive in-network benefits.
No referral is required to see a specialist.
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 select your plan "PPO Plans"
- POS MI PROVIDERS Use this button if you are a MI Resident electing a POS Plan or a non-MI resident traveling to MI. Enter your zip code and select "Yes this is Correct" - then in the upper right corner select your plan "Blue Care Elect Plus POS Plans"
- POS NON-MI PROVIDERS Use this button if you live outside of MI or are a MI resident traveling outside of MI. Enter your zip code and select "Yes this is Correct" - then rather than entering your card information, select "Browse a list of plans" and select "Blue Care Elect Plus POS Plans"
Traditional virtual visits so you can get the care you need when you need it the most!
Virtual Urgent Care
When you have an urgent care need, Teladoc has you covered 24/7 from wherever you are, whether it be at home or while traveling! Common conditions where Virtual Care can be used for urgent care needs include colds, sore throats, urinary tract infections, pink eye, sinus infections, rashes, and more! Visits are available for adults and children.
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.
Family members ages 18 and older will need to create their own Virtual Care accounts. When updating or creating an account, choose your plan name and enter your member ID so your coverage is applied correctly. Call 1-800-835-2362 with any questions about your account or to arrange a telephone visit
Health Savings Account (HSA)
(877) 825-2065 | www.healthequity.com
The Health Savings Account (HSA) allow 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.
HSA IRS Maximums are as follows (any employer provided HSA funds will apply to the maximum noted below):
$4,500 for a single contract | $9,000 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
If you are only covered by the HSA plan for part of the 2026 calendar year, your maximum allowable contribution may be prorated based on your effective date of coverage on the HSA PPO plan.
Below is a high-level overview of your plan options and benefit information:
What are Preventive Services? Routine oral exams and cleanings, x-rays,, sealants & fluoride treatments
What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings, prosthetic maintenance
What are Major Services? Prosthodontics, crowns, dentures, implants & bridges
You can view more details of these plans by accessing the benefit summaries provided below.
Vision
Group #13166 | 866.679.3054 | www.unum.com
WestCongress offers vision coverage through Unum to help pay for eye exams, prescription glasses and contact lenses.
If you are already enrolled in the WestCongress Unum vision plan today and have not already done so, please be sure to register through the Unum member portal where you can access important information pertaining to your vision plan with Unum including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Unum portal as of your effective date of coverage.
Below is a high-level overview of your plan and in-network benefits:
Group #1309604 877-275-5462 www.lfg.com
A sudden accident or death can leave you or your loved ones in a vulnerable position. WestCongress Insurance Services LLC provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage at no cost to you. The Benefit amount varies by job class. 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.
- 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.877-275-5462
Group #1309604 877-275-5462 www.lfg.com
WestCongress Insurance Services LLC provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to you. These benefits are paid for through payroll deduction on a post tax basis so that the benefits are tax free.
Evidence of Insurability (EOI) will be required for Initial Insurance Amounts in excess of $100,000 and for insurance amounts that are increased after initial enrollment by more than 2 benefit increments.