Wolverine Human Services takes into consideration our employees' evolving needs, as well as ensuring a level of security and protection when making decisions regarding the benefits program being offered. We recognize the important role employee benefits play as a critical component of an employee's overall compensation. We also strive to maintain a benefits program that is competitive within our industry.
For 2023, Wolverine Human Services received a 33% increase in overall healthcare cost. In order to control these costs, we had to make a few changes to benefit designs and contributions. It is still important for Wolverine Human Services to offer a competitive benefit package to our valued team members and in doing so Wolverine Human Services absorbed 23% of the increase.
This landing page, together with other enrollment materials, are provided to help you understand your benefit choices and navigate through the Open Enrollment / New Hire process.
Before you enroll, please read this guide to become familiar with the benefit options. Your decisions will impact your benefit selections and what you pay for these benefits.
Action Required: All elections must be submitted by December 2nd
ENROLLMENT INSTRUCTIONS: Employee Navigator (New Enrollment Tool)
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 in Paycor within 30 days of the event. You will need to provide supporting documentation to support the changes based on the Qualifying Life Event.
Contact Human Resources if you have questions about qualifying events.
Group # 00160293
Customer Service: 800-662-6667
Blue Care Network will continue to be the medical and prescription carriers this year. The plans that will be offered effective January 1, 2023 are as follows:
For more information, please review your summary of benefits and coverage below.
You may view participating providers at the link below or consult with your existing providers.
For those employees who are covered by one of the BCN medical plans access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provides 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?
HMO 1500: Equal to your office visit copay.
HSA Plan(s): 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, click "Member Registration" below - OR - you may call 844.606.1608.
Customer Service: 888-808-5080
Our Ameritas dental plan provides comprehensive coverage to help you and your family maintain good dental health. Please note that if you go to an out-of-network provider, your costs will be higher.
To find out if your provider is in-network, please visit the website below
Customer Service: 800-672-7723
We offer vision coverage through NVA (National Vision Administrators) to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations.
To find out if your provider is in-network, please visit the website below.
You share in the cost of your Medical, Dental and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account, those contributions will be taken out of your pay on a pre-tax basis based on your election. Contributions to flexible spending accounts and health savings accounts are also taken on a pre-tax basis.
If you choose to purchase the following additional benefits, your contribution will be taken out of your pay on an after-tax basis:
*Years of service credit starting at 5 years of service, credit increases every 5 years of service
Customer Service: 866-346-5800
The HealthEquity 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:
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+
Customer Service: 800-300-3838
The iSolved 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.
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
Limited Purpose Health Care FSA
Dependent Care FSA
Group # G000AFHP | Customer Service: 800-524-0149
We are proud to provide you with financial protection benefits through Lincoln Financial Group with Basic Life insurance, Accidental Death & Dismemberment (AD&D) insurance. Wolverine Human Services covers a portion of your Short-Term Disability coverage. You also have the opportunity to purchase Supplemental Life insurance.
You are automatically enrolled in Basic Life and AD&D insurance benefits. Your Basic Life insurance benefit is $10,000 and the amount of your AD&D benefit is $10,000. You do not need to enroll in these benefits as they are provided at no cost to you.
You have the opportunity to enroll in Supplemental Life insurance for yourself, your spouse or your dependent children, which will supplement lost income in the event of death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. You must elect Supplemental Life insurance coverage in order to elect coverage for your spouse and/or children.
Short Term Disability
To ensure your income will continue if you are unable to work due to a disability that extends for more than 14 consecutive days, Wolverine Human Services offers short-term disability (STD) for purchase through Lincoln National. Benefits are payable for a non-occupational injury or illness that keep you from performing the normal duties of your job. If a medical condition is job-related, it is considered Workers’ Compensation rather than STD. If you elect this coverage, you will be responsible for 70% of the cost, Wolverine will cover the remaining 30%.
The following Voluntary Benefits offered by LFG can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to you, to spend as you choose. All plans are portable, which means you can continue coverage if you leave the company.
Accident Insurance is designed to help covered individuals meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to you based on the amount of coverage listed in the schedule of benefits. The coverage is guaranteed issue, so no health questions are required.
Critical Illness Insurance is designed to help you offset the financial effects of a catastrophic illness with a lump sum benefit if you are diagnosed with a covered critical illness. The benefit is based on the amount of coverage in effect on the date of diagnosis or the date treatment is received according to the terms and provisions of the policy. You have the choice of electing coverage of $10,000, $15,000 or $20,000. Your spouse and child(ren) will each be offered 50% of your benefit amount.
Hospital Indemnity insurance is designed to help provide financial protection by paying a benefit due to a hospitalization. You may use the benefit to meet the out-of-pocket expenses and extra bills that occur.
The following Lincoln Financial Group resources are provided to you at no cost!
EmployeeConnect offers professional, confidential services to help you and your loved ones improve your quality of life. When you call the toll-free line, you’ll talk to an experienced professional who will provide counseling, work-life advice and referrals. All counselors hold master’s degrees, with broad-based clinical skills and at least three years of experience in counseling on a variety of issues. For face-to-face sessions, you’ll meet with a credentialed, state-licensed counselor.
Download the GuidanceNowSM mobile app or call 888-628.4824.
Protection against identity theft
Identity theft is widespread, and everyone is vulnerable. LifeKeys includes an online resource for the information you need to recognize and prevent identity theft — and restore your good name.
Guidance and support for your beneficiaries
LifeKeys is a comprehensive program that offers resources to help your loved ones address a range of common concerns. Services include grief counseling, advice on financial and legal matters, and help coping with the occasional challenges of day-to-day life.
TravelConnect is a comprehensive program that can bring help, comfort, and reassurance if you face a medical emergency while traveling 100 or more miles from home. Whether traveling for business or leisure, if you are enrolled in life and/or AD&D insurance, you and your loved ones can count on TravelConnect for responsive and caring support — 24 hours a day, 7 days a week.