2023 BENEFITS ARE HERE!
OUR BENEFIT PACKAGE REFLECTS HOW SPECIAL OUR TEAM IS HERE AT DEEPHOW!
Helping you and your family reach and maintain good health is very important to us. 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.
We remain committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees. Below are highlights of the benefit options that will be effective January 1st:
MY HEALTH
Medical | Blue Cross Blue Shield (BCBSM) New Plan
Medical | Blue Care Network (BCN) New Plan
Dental | Principal
Dental-Pediatric | BCBSM
Vision | BCBSM
Health Savings Accounts | HealthEquity
MY LIFE
Life and AD&D | UNUM
Supplemental Life | UNUM New Plan
Disability | UNUM
MY EXTRAS
Virtual Visits | BCBSM Online Visits
Diabetes Management | BCBSM/BCN
EMPLOYEE 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 1st of the month on or after your date of hire.
CHILD ELIGIBILITY
Medical, Dental, Vision
The last day of the calendar year the child turns age 26
Essential Health Benefit-Pediatric Dental
The last day of the month the child turns age 20
Essential Health Benefit-Pediatric Vision
The last day of the calendar year the child turns age 19
Spouses are Eligible for:
Medical, dental, vision, life
WHAT IF I SEPARATE FROM EMPLOYMENT?
Medical, dental and vision insurance will continue through the end of the month in which the separation occurred. Life/AD&D and disability end immediately upon termination of employment.
ENROLLMENT INSTRUCTIONS:
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 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 event, 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.
Contact Human Resources if you have questions about qualifying events.
Visit the Blues Portal: https://www.bcbsm.com/
Plan Options
You may view participating providers at the link below or consult with your existing providers.
PPO | In-Network & Out-of-Network Benefits Available
The 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.
*PPO OUT-OF-NETWORK charges in the above plans are subject to reasonable and customary limitations, which means you are responsible for charges over this amount in addition to separate deductible and coinsurance. Any services received from an out-of-network provider, with the exception of a true emergency, will not be covered
Point of Service | In-Network & Out-of-Network Benefits Available
Blue Elect Plus provides the affordability and managed care benefits of an HMO, layered with provider choice without the need for a referral. Members will have access to BCN’s vast network with the flexibility of provider choice out-of-network. Members living in Michigan must first choose a BCN PCP and have the option to seek care from other physicians and specialists without a referral.
Health Equity HSA
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.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
2023 HSA IRS Maximums are as follows:
$3,850 for a single contract
$7,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
Those 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.
How Much Does it Cost?
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
You have the freedom to select the dentist of your choice; however when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
The plan is a PPO plan with a $1,500 annual maximum per covered individual. There is a $50 deductible per member on the plan.
Coverage:
VSP Vision - VSP Choice Network
Your employer offers 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 network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the website below.
Life & Disability
Your employer provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term disability.
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 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.
Long Term Disability
Serious 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.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
PROVIDER CONTACT INFORMATION
Blue Cross Blue Shield of Michigan
Medical/Prescription PPO Plan
(888) 288-2738
PPO Network
www.bcbsm.com
Blue Care Network
Medical/Prescription POS Plan
(800) 662-6667
HMO/POS Network
www.bcbsm.com
Blue Cross Blue Shield of Michigan
Dental-Pediatric
•Must be enrolled on medical plan
(877) 469-2583
Blue Dental PPO Network
www.bcbsm.com
Blue Cross Blue Shield of Michigan/VSP
Vision-Pediatric
•Must be enrolled on medical plan
(800) 877-7195
VSP Network
www.vsp.com
Blue Cross Blue Shield of Michigan
Livongo Diabetes Management Program
(800) 945-4355
www.join.Livongo.com/BLUECROSSMI-START/register
Principal
Dental
(800) 986-3343
Principal Dental Preferred Network
www.principal.com/find-dentist
Unum
Life/AD&D
Short Term Disability
Long Term Disability
(800) 275-8686
www.unum.com
HealthEquity
Health Savings Account
(866) 346-5800
