We offer four pre-tax fully insured health insurance options to meet you and your family’s individual needs. No spousal surcharge or force-outs! Team members may add their spouse and dependent children to age 26. Options span from $500 to $2000 single deductible plan offerings. Prescription coverage is included in each plan. Team members working a schedule of at least 17 hours/week are eligible for coverages! These PPO medical plans are accepted by medical providers throughout Michigan, around the country and even overseas! Team members may enroll in medical benefits independently of other offered benefits. The employer is able to provide additional details regarding specific medical & prescription plan offerings.

If enrolled in a qualifying high deductible health plan, team members are able to contribute pre-tax payroll dollars into a health savings account that is established for their benefit. The established account is owned by the team member and there is no “use it or lose it” associated with the team member’s HSA. Thus, this money can be invested as directed by the team member and has the potential to go in tax free, grow tax tree and be spent tax free – which is a fantastic benefit! The employer is able to provide additional details regarding the HSA offering and associated requirements.

Team members that work a schedule of 17 or more hours/week are eligible for group dental benefits. The team member may enroll in dental coverage for themselves, or the team member may add a spouse and additional dependents to age 26 based on their needs. Each dental plan covers a variety of dental treatments and the Enhanced plan even provides adult and child orthodontia benefits! These dental plan offerings are accepted by dental providers throughout Michigan as well as around the country! Team members may enroll in dental benefits independently of other offered benefits. The employer is able to provide additional details regarding specific dental plan offerings.

Team members that work a schedule of 17 or more hours/week are eligible for group vision benefits for themselves, and they may add a spouse as well as dependent children to age 26. This benefit is a nationwide PPO network through the largest provider of vision care in the nation. Team members may enroll in vision benefits independently of other offered benefits. The employer is able to provide additional details regarding specific vision plan offerings.

Team members that work a schedule of 17 or more hours/week are eligible to enroll in voluntary accident insurance. Team members may enroll themselves or add their spouse as well as dependent children up to age 26. Team members can enroll in this insurance independently from other benefit offerings. This insurance offers an expansive schedule of benefits that pay the subscriber directly in the event of a covered injury, treatment, hospitalization and follow up services.  The employer is able to provide additional details regarding specific accident plan offerings.

Team members that work a schedule of 17 or more hours/week are eligible to enroll in voluntary critical illness insurance. Team members may enroll themselves or add their spouse in this coverage and the team member’s children are automatically covered to age 26. Team members can enroll in this insurance independently from other benefit offerings. This insurance offers an expansive schedule of benefits that pay the subscriber directly in the event of diagnosis of a covered illness. Additionally, every year each covered family member can also receive $50 for getting a covered Be Well Benefit screening test. The employer is able to provide additional details regarding specific critical illness plan offerings.

Team members that work a schedule of 32 or more hours/week are automatically enrolled in Basic Life and Accidental Death & Dismemberment insurance coverage and the monthly premium is paid for by the employer. Coverage amounts will vary based on job classification. Covered team members may add to these coverages voluntarily and may enroll in voluntary spouse and dependent children coverages subject to benefit limitations. The employer is able to provide additional details regarding specific Life and Accidental Death & Dismemberment plan offerings.

The employer pays the premiums for team members of certain job classifications for this coverage which replaces a portion of lost income due to qualifying personal illnesses or accidents. The employer is able to provide additional details regarding specific eligibility and coverages.

Planning for the future is important. Team members over the age of 21 may choose to make pre-tax and/or after-tax contributions of up to 100% of their wage up to the IRS maximum amount allowable. The employer offers a generous safe harbor match on qualified team member contributions. Participants also have access to the plan’s Advisor for the purpose of investment guidance at no additional cost. The employer is able to provide additional details regarding specific eligibility and plan offerings.