Open Enrollment 2023


2023 BENEFITS ARE HERE!

OUR BENEFIT PACKAGE REFLECTS HOW SPECIAL OUR TEAM IS HERE AT DEEPHOW!



Open Enrollment 2023

Open Enrollment 2023

Benefit Guide

Benefit Guide

Enrollment Form

Enrollment Form

WELCOME

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

ENROLLMENT

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:


  1. Review the information in this guide and benefit plan summaries.
  2. You must complete and sign an enrollment form, even if you are waiving coverage.
  3. You will not be allowed to make changes after the open enrollment window closes, unless you experience a qualifying life event.



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.

MEDICAL/RX

BCBS & BCN

Visit the Blues Portal: https://www.bcbsm.com/


Plan Options

  • PPO 250
  • BCN Point of Service HSA 2000


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.

Summary - PPO 250

Summary - PPO 250

Summary - POS HSA 2000

Summary - POS HSA 2000

SBC - PPO 250

SBC - PPO 250

SBC - POS HSA 2000

SBC - POS HSA 2000

Pediatric Vision - BCBS

Pediatric Vision - BCBS

Pediatric - Dental BCBS

Pediatric - Dental BCBS

HSA

Health Savings Account

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:

  • Covered by a Qualified High Deductible Health Plan
  • You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
  • You cannot be covered by Medicare or Medicaid
  • You cannot be eligible to be claimed as a tax dependent
  • You have not received VA benefits in the past 90 days


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+

VIRTUAL VISITS

BCBSM Online Visits

| www.bcbsmonlinevisits.com


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?

  • Same cost as your office visit copay of your medical plan
  • 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, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.

DENTAL

Prinicpal


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:

  • Preventive services - 100%
  • Basic services - 80%
  • Major services - 50%
  • Orthodontia (children up to age 19) - 50% up to $1,500 lifetime max per child
Summary - Principal Dental

Summary - Principal Dental

VISION

BCBSM Vision Plan

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.

Summary - VSP Vision

Summary - VSP Vision

LIFE & DISABILITY

Unum

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.

Summary - Unum Life Insurance

Summary - Unum Life Insurance

Summary - Unum Short Term Disability

Summary - Unum Short Term Disability

Summary - Unum Long Term Disability

Summary - Unum Long Term Disability