Table of Content
- Header
-
Page
- Welcome
- Eligibility
- Enrollment
- Medical/Rx
- Medical/Rx Videos
- Online Visits
- Dental
- Vision
- Employee Contrbutions
- HSA (Health Savings Account)
- FSA (Flexible Spending Accounts)
- Life & Disability
- Voluntary Benefits
- VB Videos
- Employee Assistance Program (EAP)
- Benefits Education
- Contact Us
- Footer
Welcome
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.
Eligibility
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective on the 91st day of full-time employment. Part-Time, seasonal, temporary, internship, and contracted employees are not eligible to participate.
Children are eligible for benefits until the last day of the calendar year in which they turn 26.
Enrollment
You will be required to complete Enrollment during the New Hire Orientation.
ENROLLMENT INSTRUCTIONS: Employee Navigator
- You will receive emailed instructions on how to access to Employee Navigator enrollment tool
- Enter your User ID
- Enter your Password
- 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 initial 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 Employee Navigator within 30 days of the event. You will need to provide supporting documentation to support the changes based on the Qualifying Life Event, these should be submitted to Megan or Katrina.
Contact Human Resources if you have questions about Qualifying Life Events or Enrollment:
Vassar - Megan Park 989-823-3040 Ext. 1525 parkm@wolverinehs.org
CBP and Wolverine Center- Katrina Harris 313-824-4400 Harrisk@wolverinehs.org
Medical/Rx
BCBSM Group # 007012056
BCN Group # 00160293
Customer Service: 800-662-6667
Blue Cross Blue Shield of Michigan/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:
- PPO 1500
- HMO 1500
- HMO HSA 2000 (new plan)
- HMO HSA 6350 (new plan)
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.
Online Visits
For those employees who are covered by one of the 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?
PPO/HMO: 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.
Dental
Customer Service: 888-808-5080
Our dental plan through Ameritas 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
Vision
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.
Employee Contrbutions
Pre-Tax Contributions
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.
After-Tax Contributions
If you choose to purchase the following additional benefits, your contribution will be taken out of your pay on an after-tax basis:
- Voluntary Life Insurance (for yourself or your dependents)
- Voluntary AD&D Insurance
- Voluntary Short Term Disability benefits
*Years of service credit starting at 5 years of service, credit increases every 5 years of service
HSA (Health Savings Account)
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:
- 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+
To change your HSA contributions, see your respective HR contacts listed on the Enrollment tab on this page.
FSA (Flexible Spending Accounts)
Customer Service: 800-300-3838
iSolved administers the 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.
Contributions
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
- Up to $3,050 annually
- All benefit eligible can participate
- If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
- Reimbursements allowed for medical, prescription, dental, and vision expenses
Limited Purpose Health Care FSA
- Up to $3,050 annually
- All benefit eligible can participate
- If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
- Reimbursements allowed for eligible dental and vision expenses
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
Life & Disability
Group # G000AFHP | Customer Service: 800-524-0149
We are proud to provide you with financial protection benefits through Lincoln Financial Group. Wolverine Human Services covers your Basic Life/AD&D and Long-Term Disability. You have the opportunity to purchase Short-Term Disability and additional Supplemental Life insurance.
Basic Life/AD&D
You are automatically enrolled in Basic Life and AD&D insurance benefits. Your Basic Life insurance benefit is $250,000. An additional Accidental Death & Dismemberment (AD&D) benefit of $250,000 is payable to you in the event of a covered dismemberment (portion of amount) or to your beneficiary if your death is the result of an accident (entire amount).
Supplemental Life
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.
During Open Enrollment:
Current participants: Employee can increase coverage by one increment ($25,000) not exceeding the GI without proof of good health. If GI ($150,000) is exceeded EOI will be required. Any increase in spousal coverage would require EOI.
Non-participants will have to provide EOI for any dollar amount.
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
To ensure your income will continue if you are unable to work due to a disability, Wolverine Human Services offers Short-Term Disability (STD) through Lincoln Financial Group. Benefits are payable for a non-occupational injury or illness that keep you from performing the normal duties of your job. Benefits being on the 15th day of an accident or illness, cover up to 66.67% of your weekly income for a maximum of $550 per week, for up to 24 weeks.
Long-Term Disability
Serious illnesses or accidents can come out of nowhere. They 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 180 days, for 60% of your monthly income up to a maximum of $10,000 per month. Benefits will be paid for as long as you are disabled or until you reach Retirement Age, whichever is sooner.
Voluntary Benefits
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
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
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
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.
Employee Assistance Program (EAP)
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.
Login credentials:
Username: LFGSupport
Password: LFGSupport1
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.
Benefits Education
Contact Us
As you consider your benefit options, please be sure to review all available information.
If you don't understand your benefits or need any assistance, please contact Human Resources.