View
0
Download
0
Category
Preview:
Citation preview
FiscalYear2012‐2013
StateofMichiganStateofMichiganStateofMichiganEmployeeBenefitsSummaryEmployeeBenefitsSummaryEmployeeBenefitsSummaryForJudicialBranchEmployeesForJudicialBranchEmployeesForJudicialBranchEmployees
AsaStateofMichiganJudicialBranch(unclassified)employee*,youareentitledto
acomprehensivebenefitspackage,includinghealth,dental,vision,lifeinsurance,
long‐termdisability,flexiblespendingaccounts,andmore.
*Non‐careeremployeesarenoteligibleforthesebenefitsbutmaybeeligibleforretirementbenefits.
StateofMichiganCivilServiceCommission
EmployeeBenefitsDivision
www.michigan.gov/employeebenefits
I m p o r t a n t N o t i c e
ThisbookletisasummaryofbenefitsprovidedtoStateofMichiganemployees1andisnotanagreementbetweenanyemployeeandtheStateofMichigan.Morecompletedetailsonbenefitsarefoundintheofficial
documents,suchastheCivilServiceRulesandRegulations,collectivebargainingagreements,departmentalworkrules,andcontractswithvariousbenefitproviders.Ifthisbookletandanofficialdocumentdiffer,the
officialdocumentgoverns.
TheNewStateHealthPlan(NSHP)PPOandNewHMO(NHMO)PlanDesignforemployeeshiredorrehired2onorafterApril1,2010,appliestojudicialemployeesNSHPPPOPremium:TheStatewillpay80%ofthetotalpremiumwithenrolledemployeespaying20%.NHMOPremium:TheStatewillpayupto85%oftheNHMOtotalPremium,cappedatthedollaramountwhichtheStatepaysforthesamecoverageundertheNSHPPPO,withenrolledemployeespayingtheremainder.1Non‐careeremployeesarenoteligibleforthesebenefitsbutmaybeeligibleforretirementbenefits.
2EmployeesreturningfromrecallorotherwisereturningtoStateemploymentwheretherehasbeennobreakinservicewillbeeligibleforenrollmentintheplaninwhichtheywerepreviouslyenrolled.Forexample,anemployeecoveredbytheStateHealthPlanPPO(SHP)whoisplacedonlayoffandthenrecalledmayenrollintheSHPuponrecall;anemployeecoveredbytheNewStateHealthPlanPPO(NSHP)whoisplacedonlayoffandthenrecalledmayenrollintheNSHPuponrecall.However,aformeremployeewithabreakinservicewhoisrehiredonorafterApril1,2010,iseligibleonlyfortheNSHPortheNHMO.ArehireissimplyaHRMNtransactioncodeusedtopreventanemployeefromhavingduplicateHRMNIDnumbers.ThistypeofhirecodeisusedwhenanapplicantishiredwhohadpreviouslybeenissuedaHRMNID.Allhireshavingtherehiretransactioncodehadabreakinservice.
www.michigan.gov/employeebenefits
Welcome!Welcome!IfyouwouldliketoparticipateintheStateofMichigan’shealth,vision,dental,
employee/dependentlife,long‐termdisability(LTD)andflexiblespending
accountbenefits,youmustenrollwithin31daysofyourhiredate.
Coveragewillbeeffectiveonthefirstdayofthebi‐weeklypayrollperiodfollowingEITHERyour
firstdayofemploymentORthedatewhentheenrollmentprocessiscompleted,whicheverislater.
Ifyouelectnottoenrollforbenefitswithinthefirst31daysofhire,yournextopportunitytoenroll
willbeduringtheannualopenenrollmentperiod,whichusuallytakesplaceinthemonthofAugust.
ThroughoutthisbenefitssummaryyouwillbeinstructedtocontacttheMIHRServiceCenterto
enrollinyourbenefitsselections.PleasenotethatLegislative,andJudicialemployeesshould
contacttheiragencyHROfficetocompleteenrollment.
New Hi re Bene f i t s Check l i s t
Thechecklistbelowwillassistyouwiththebenefitenrollmentprocess.
Reviewthisbookletforbasicinformation.
Gotowww.michigan.gov/employeebenefitstoreviewbenefitoptions.Clickthe“NewEmployee”linkfromtheleftmenu.
Determineinsurancesforwhichyouwouldliketoenroll.
ContactJudicialHumanResources(517)373‐1147toenrollinyourinsurances.Hoursare8:00a.m.to5:00p.m.MondaythroughFriday,exceptstateholidays.
MailorfaxdependenteligibilitydocumentationtoJudicialHumanResources,ifapplicable(SeeEligibilityDocumentation)
www.michigan.gov/employeebenefits
Who can enro l l ? Youmaychoosetoenrollyourspouseand/oreligibledependentsinyourhealth,dental,vision,and
lifeinsuranceplansatthetimeyouenrollasanewemployee,duringanyannualopenenrollment
period,orastheresultofalifeevent.Anytimeaspouseordependentisaddedtoyourinsurance,
youmustsubmitdependenteligibilitydocumentation(seePages17‐19)within31daysoftheevent.
Formoreinformation,visittheEmployeeBenefitsDivisionwebsiteatwww.michigan.gov/employeebenefits.
Dua l E l i g i b i l i t y IfyouandyourspouseordependentarecurrentlyworkingfortheStateofMichiganandareboth
coveredbyStateHealthPlans(retireeoractive,includingState‐sponsoredHMOoptions),youmay:
Maintainseparatecoveragethroughyourindividualplans,OR
Enrollinoneplanwithoneofyouasadependent.
Ifyouchoosetomaintainseparatecoverage,yourchildorchildrencanonlybelistedononeplan,notboth.Thisappliesevenifyouaredivorced.
I n su rance Cards Identificationcardswillbeissueddirectlyfromindividualcarriers,whenapplicable.
Genera l Bene f i t s I n f o rmat i on
www.michigan.gov/employeebenefits
Specia l Enrol lment Rights
Ifyouaredecliningenrollmentforyourselforyourdependents
(includingyourspouse)becauseofotherhealthinsuranceorgrouphealthplancoverage,youmaybeabletoenrollyourselfandyourde‐
pendentsinthisplanifyouoryourdependentsloseeligibilityforthat
othercoverage(oriftheemployerstopscontributingtowardsyouroryourdependents'othercoverage).However,youmustrequestenroll‐
mentwithin31daysafteryouroryourdependents'othercoverage
ends(oraftertheemployerstopscontributingtowardtheothercover‐age).
Specialenrollmentisalsoavailableto(1)thosewhobecomeeligibleforpremiumassistanceunderMedicaidorCHIP(Children’sHealthInsur‐
anceProgram)and(2)thosewholosecoverageunderMedicaidor
CHIPbecausetheyarenolongereligible(notbecauseofnonpayment).Thedeadlineforthesetwoenrollmentsis60daysaftereligibilityortermination.
Torequestspecialenrollmentorobtainmoreinformation,contacttheMIHRServiceCenterat(877)766‐6447or(517)335‐0529.Theyareopenfrom7amuntil6pm,MondaythroughFriday,exceptstateholidays.
General Benefi ts Information Li fe Event Changes Amarriage,birth,adoption,divorce,etc.,canbeenteredeitherinyour
MIHRSelf‐ServiceaccountorbycallingJudicialHumanResourcesat(517)373‐1147forassistance.Whenchildrenbecomeineligible,you
mustcontactJudicialHumanResourcestostopinsurancecoverage.
Changesmustbeprocessedwithin31daysofthelifeeventandmustbesubstantiatedwithappropriatedocumentation(seeEligibility
Documentation)
Benef ic iary Changes BeneficiarydesignationforfinalcompensationandlifeinsurancecanbecompletedonlineinyourJudicial
Self‐Serviceaccountatwww.courts.mi.gov/selfserv.
The401(k)DefinedContributionand457Plans(ING),andAccidentalDutyDeathcarriers
requireanoriginalsignaturetoaddorchangebeneficiaries.Theseformscanbeprinted
fromyourMIHRSelf‐Serviceaccount.Thebeneficiaryformsforthe401(k)DefinedContributionand457Plansshouldbemailedtotheaddressontheform.TheAccidental
DutyDeathformshouldbesenttoyourHROffice.
www.michigan.gov/employeebenefits
Flex ible Spending Accounts YoumaychoosetoenrollintheDependentCareand/ortheHealthCareSpendingAccounts.
Newhireshave31daysfromtheirstartdatetoenrollforcurrentyearflexiblespending
accounts.Allemployeeshavetheopportunitytoenrollfortheupcomingyear’splanduring
themonthofNovember.Michigan’sFlexibleSpendingAccountsletyoupayfordependentcareandout‐of‐pocketmedicalexpenseswithpre‐taxdollars,makingtheseexpensesmore
affordable.TheFlexibleSpendingAccountsareconvenientandeasytouse.Withalittleup‐
Other Benef i t Programs QualifiedParking
Employeeswhoparkinnon‐statefacilitiesmayauthorizebi‐weeklypayrolldeductiononapre‐taxbasisintoaQualifiedParkingSpendingAccount.Fromtheaccount,employeescanrequestreimbursementtocover
theirparkingexpenses.
AccidentalDeath&Dismemberment
MutualofOmahaistheadministratorforthisinsurance.ThisisaGroupAccidentalDeath&DismembermentcoverageofferedthroughMutualofOmahaInsuranceCompanyandmadeavailabletoStateofMichigan
employees.Premiumsarefullypaidbytheemployee.Thereareseveralothervoluntarybenefitsforwhich
youmayenroll(typicallyduringearlyspring),includingsupplementallifeinsurance,accidentinsurance,autoandhomeinsurance,andalegalplanwhichprovidesaccesstoanetworkofattorneysoverthephoneorin
personformanycommonpersonallegalissues.GototheStateEmployeeBenefitsWebsiteformore
information.http://www.mi.gov/mdcs/0,4614,7‐147‐22854_38928‐‐‐,00.html
General Benefi ts Information ThefollowingisabriefdescriptionofthevariousinsurancebenefitsofferedtoStateofMichiganemployees.CompletedetailsforeachplanareavailableontheCivilServiceCommissionwebsiteatwww.michigan.gov/
employeebenefits.
Health Care Options Youmayelectoneofthefollowinghealthinsuranceplans:
StateHealthPlan‐PreferredProviderOrganization(PPO)
TheStateHealthPlanPPOisadministeredbyBlueCrossBlueShieldofMichigan(BCBSM).
TheStatepays80%ofthepremiumforfull‐timeemployees. Thisplanprovideshealthbenefitsusingprovidersandfacilitiesthatare“in‐network,”meaningtheprovidersandfacilitieshaveagreedtoacceptadiscountedfeefromBCBSMforservicesrendered.
Providernetworkcoversall83Michigancounties. Therearedeductiblerequirements. Youmustpayofficeandprescriptiondrugco‐pays. Anemergencyroomco‐paywillberequiredifthememberisnotadmittedtothehospital. RetailpharmacyandmailorderprescriptionmedicationsareadministeredbyBCBSM. MentalhealthandsubstanceabusetreatmentservicesareadministeredbyMagellanBehavioralHealth.
HealthMaintenanceOrganization(HMO)Plans
AnHMOisamanagedcareplanthatprovidesmedicalcarethroughitsnetworkofphysicians,pharmacies,contractedhospitals,andmedicalcaresuppliersinaparticularservicearea.
Theemployerwillpay80%ofthetotalpremiumuptotheamountpaidforthesamecoveragecodeunder
theStateHealthPlanPPO.
Therearenodeductiblerequirements.
Youmustpayofficeandprescriptiondrugco‐pays.
Youcanchooseyourown“primarycarephysician”whowillprovidedirectcareandmakereferralsfrom
withinthenetwork.
Youreligibilityforenrollmentisbasedonyourpostalcodeandbargainingunit.
AzipcodelistingforeachHMOcanbeviewedontheCivilServiceCommissionwebsiteat
www.michigan.gov/employeebenefits.Clickthe“HMOEligibility”linkfromtheleftmenu.
CatastrophicHealthPlan
Thisisahospitalization‐onlyplanintendedasanoptionforthoseemployeeswhohavecoverageelsewhere.
Thisplandoesnotcoverprescriptiondrugcharges,officevisitcharges,medicalequipment,psychiatricservices,orothermajormedicalservices.
TheStatewillcover100%ofthepremiumcostforfull‐timeemployeesandyouwillreceivea$50cash
paymentbi‐weeklyforbeingenrolledinthisplan.
Benefitsunderthisplanarepayableonlyafteryouhavecoveredthoseexpensesequaltoonemonth’sbasicsalary(yourdeductiblerequirement).Thefamilydeductible(twoormoremembers)isequalto11/2
month’sbasicsalary.
www.michigan.gov/employeebenefits
General Benefi ts Information Dental Care Options Youmayselectoneofthefollowingplans:
StateDentalPlan
TheStateDentalPlanisadministeredbyDeltaDental.
TheStatewillpay95%ofthepremiumforfull‐timeemployees.
Thisplancoverspreventiveservices(examsandcleanings)at100%ofthe“usual,customary,andreasonablecharge.”
X‐rays,oralsurgery,extractions,restoratives,periodontics,andendodonticarecoveredat90%.
Orthodonticsarecoveredat60%upto$1,500.
Sealantsforchildrenandprosthodontics(includingrepairs)arecoveredat50%.
PreventiveDentalPlan
ThePreventiveDentalPlancoversdiagnosticexams,x‐rays,andcleaningstothesameextentastheState
DentalPlanandisalsoadministeredbyDeltaDental.Nootherservicesarecovered.
TheStatewillpay100%ofthepremiumforfull‐timeemployeesandyouwillreceivea$100lumpsumcashpaymenteachyear(pro‐ratedformid‐yearenrollment).
Thisplanisintendedasanoptionifyouhavedentalcoverageelsewhere.
DentalMaintenanceOrganization(DMOMidwesternDentalPlans)
ThisisamanagedcaredentalplanthatprovidesallnecessarydentalcareandservicesatMidwestern
DentalPlans’dentalcarecenters.
TheStatewillpay100%ofthepremiumforfull‐timeemployees.
Therearenomemberco‐paysrequiredforanycovereddentalcarereceivedata
dentalcenter,exceptforanorthodonticsco‐payforadults(age19andolder).
Therearenobenefitmaximums.
YourpostalcodewilldetermineifyouareeligibletoenrollintheDMO.
www.michigan.gov/employeebenefits
Vis ion Care TheStateoffersonevisionplan
StateVisionPlan
TheStateVisionPlancoversroutinevisionexaminationsand
glaucomatestingonceevery12months,andcorrectivelensesandeyeglassframesonceevery24months,unlessyourprescription
changes.
TheStatepays100%ofthepremiumforfull‐timeemployees.
Thereisaco‐paymentforexams,lenses,andframes.
General Benefi ts Information
State Long ‐Term Disabi l i ty (LTD) Plan
TheStateLong‐TermDisability(LTD)Planisanincome
continuationplanthatisavailabletoqualifiedenrolleesduringa
periodoftotaldisabilityasdefinedbythePlan.
Newemployeescanenrollwithin31daysofhire.Otherwise,you
canenrollduringtheannualOpenEnrollmentperiod.
Benefitsareequalto2/3ofyourbasicmonthlysalary.TheStatepaysaportionofthetotal
premium.Thelengthofyourbenefitperiodandyourportionofthepremiumsarebasedonyour
sickleavebalanceandregularwages.
Therearetwobenefitplans;PlanIandII.Employeeswithlessthan183hoursofsickleavearein
PlanI.Employeesaccumulating184hoursofsickleaveareinPlanII,eveniftheirsickleavebalancedropsbelow184hours.
PlanIpaysabenefituntilyouarenolongertotallydisabledor24months,whicheveroccursfirst.PlanIIpaystotallydisabledemployeesuntilage65(age70forUAWmembers)or12months,whicheverisgreater.ThePlanIIbenefitperiodfor“mental/nervous”claimsislimitedto24monthsfromthebeginningofthetimeyouareeligibletoreceivebenefits.Thislimitationdoesnotapplytomentalhealthclaimswhereyouareunderin‐patientcareortoUAWmembers.
Long ‐Term Care Long‐TermCareprovidescoverageforexpensesthatarenotusuallycoveredbyhealthordisabilityinsurance.Thiscoveragecanhelpprotectyouandyourfamilyfromthehighcostsassociatedwithprolongednursinghome
stays,extendedhomecareservices,andotherformsofdailycare.New
employeesareabletosignupwithin90daysoftheirhiredatewithouthavingtoshowevidenceofgoodhealth.TheStatedoesnotcontribute
towardsthepremiumforthiscoverage.Premiumsarefullypaidbythe
employee.
www.michigan.gov/employeebenefits
General Benefi ts Information
Employee Li fe Insurance Options Youmayselectoneofthefollowinglifeinsuranceplans:
StateLifeInsurancePlan
TheStatewillcover100%ofthepremiumcostoftheStateLifeInsurancePlan.This
isthetraditionalgrouplifeinsuranceplanthatpaysyourdesignatedbeneficiariesa
non‐taxabledeathbenefitequaltotwotimesyourbasicannualsalaryroundedupto
thenext$1,000,uptoamaximumof$200,000.
ReducedBenefitLifeInsurancePlan
TheReducedBenefitLifeInsurancePlanpaysyourdesignatedbeneficiariesanon‐taxabledeath
benefitequalto100%ofyourbasicannualsalaryoruptoamaximumof$50,000.Youwillreceivea
bi‐weeklycashpaymentforselectingthisreducedlifeinsuranceoption.
NOTE:Bothofthelifeinsuranceoptionsaboveincludea$100,000dutydeathbenefit.
Dependent Li fe Insurance Options YouhavetheoptionofenrollingyourlegalspouseandeligiblechildreninoneoftheDependentLifeInsuranceplans.Theseplanswillcoveryourspouseandunmarriedchildrenbetweentheagesof14daysand23years.Unmarrieddependentchildrenbetweentheagesof19and23arenotrequiredtohavestudenteligibilitytobeenrolledindependentlife.TheStatedoesnotcontributetowardsthepremiumforthiscoverage.Premiumsarefullypaidbytheemployee.
www.michigan.gov/employeebenefits
Retirement Benefi ts
www.michigan.gov/employeebenefits
Def ined Contr ibut ion Ret irement Plan EmployeeshiredonorafterMarch31,1997areenrolledinthe401(k)DefinedContributionPlan.
TheStatewillcontributeanamountequalto4%ofyourgross
wagestoyour401(k)forretirement.TheStatewillalsomatchup
to3%ofyourbi‐weeklycontributions.Contributionsaresubjectto
IRSguidelines.Formoreinformationaboutthis401(k)planandto
learnaboutinvestmentoptionsgoto
https://stateofmi.ingplans.comorcall(800)748‐6128.
Retirement Benefi ts
www.michigan.gov/employeebenefits
Personal Healthcare Fund EmployeeshiredonorafterJanuary1,2012maycontributetoapersonal,portablefundthatyoucanusetopayyourhealthcareexpensesinretirement.ThePersonalHealthcareFundincludesuptoa2percentemployermatchintoyour401(k)accountandalumpsumcredittoataxdeferredaccountwhenyouterminateemployment,assumingyoumeeteligibilityrequirements.
Matching Contr ibut ions ThePersonalHealthcareFundincludesuptoa2percentemployermatchintoyour401(k)accountifyoucontributeupto2percentofpayinadditiontothe3percentyoucontributetoqualifyforthematchyou'realreadyeligiblefor.
Torevieworchangeyourcurrentlevelofcontributions,logintoyourINGaccountatstateofmi.ingplans.comorcontactINGat(800)748‐6128.
Lump Sum Credi t ThePersonalHealthcareFundalsogivesyoualumpsumcredittoatax‐deferredaccount(which
maybeyour401(k)oryour457)ifyouhaveatleast10yearsofservicewhenyoufirstterminateemploymentfollowingDecember31,2011.Theamountofthelumpsumcreditwillbebasedonastatutoryformula,whichincludesyouryearsofserviceasofMarch31,2012,thecurrentvalueofyourretireehealthbenefits,andanannualinterestadjustmentbasedontheMedicalCareComponentoftheConsumerPriceIndex(nottoexceed4percent).Eachspring,youwillreceiveanannualstatementonthevalueofyourlumpsumamount.
Retirement Benefi ts
www.michigan.gov/employeebenefits
Def ined Benef i t Ret irement Plan TheDefinedBenefitPensionRetirementPlanisforallemployeehiredbeforeMarch31,1997,unlessyouelectedtotransfertothestate's401(k)DefinedContributionretirementplanunderP.A.487of1996.TherearethreeplanswithintheDefinedBenefit(DB)retirementplan‐DBClassified,DB30,andDB/DCBlend
DB Class i f ied AsaDBClassifiedmember,you'llremainanactivecontributingmemberoftheDBplanuntilyouterminateemployment.
DB 30 AsaDB30member,you'llremainanactivecontributingmemberoftheDBplanuntilyoureach30yearsofservice.Atthatpoint,you'llbecomeaparticipantintheDefinedContribution(DC)planforfutureservice.YourstatusintheDBplanwillbeactivenoncontributingmember.Whenyouretire,yourretirementbenefitswillbecomprisedofyourpensionandtheassetsinyourDCplanaccounts.YouremaineligibleforretireehealthinsuranceundertheDBplan.
DB/DC Blend AsaDB/DCBlendmember,youbecameaparticipantintheDCplanforfutureservicebeginning
April1,2012.YourstatusintheDBplanisactivenoncontributingmember.Whenyouretire,yourretirementbenefitswillbecomprisedofyourpensionandtheassetsinyourDCplanaccounts.YouremaineligibleforretireehealthinsuranceundertheDBplan.
ForallDCblendplanspleaserefertoINGforplaninformationat:https://stateofmi.ingplans.comorcall(800)748‐6128.
Information You Must Read
COBRA (ConsolidatedOmnibusBudgetReconciliationAct)Severaldifferenteventsmaytriggerthelossofinsurancecoverage
foremployees(e.g.,separation,leave,layoff,reductionofhours),
spouses(e.g.,divorce,deathofemployee),ordependentchildren
(e.g.,age19orolderandnotregularlyattendingschool,reaching
age25,ormarriage).
UnderCOBRA,ifyou,aspouse,ordependentshouldloseeligibilityforstate‐sponsored
grouphealth,dental,orvisioninsurances,youmaybeeligibletocontinuethesecoverages
foraperiodoftimebypayingthefullpremiumdirectlytotheStateofMichigan.Thisfull
premiumwillincludetheamountpreviouslypaidasthe“Employee’sShare”plusthe“State’sShare”and,insomecases,anadditional2%servicefee.
YoumayalsobeeligibletocontinueyourlifeinsurancecoverageatnocostforyouoryourdependentsifyouareonaleaveofabsenceorlayofffromStateservice.
HIPAA (HealthInsurancePortability&AccountabilityAct) TheEmployeeBenefitsDivisionoftheCivilServiceCommissioncurrentlyadministersthefollowingself‐insuredgrouphealthplansforStateemployeesandretireesonbehalfoftheStateofMichigan:
StateHealthPlanPPO(BCBSM/Magellan) StateCatastrophicHealthPlan(BCBSM) StateVisionPlan(BCBSM) StateDentalPlan(DeltaDental) PreventiveDentalPlan(DeltaDental) FlexibleSpendingAccounts(ADP)
TheHealthInsurancePortability&AccountabilityAct(HIPAA)andrelatedrulesrequire
grouphealthplanstoprotecttheprivacyofhealthinformation.YourrightsunderHIPAAareoutlinedinthePrivacyNoticeavailableontheCivilServiceCommissionwebsiteat
www.michigan.gov/employeebenefits.Clickthe“HIPAA”linkfromtheleftmenu.
www.michigan.gov/employeebenefits
Enroll ing in Benefi ts
Judic ia l (MI HR) Sel f ‐Service Judicial(MIHR)Self‐Serviceisanonlineweb‐basedtooldesignedtoprovideyouwithaccesstoupdateandviewyourpersonnelinformation.AsanewStateemployee,youwillbeprovidedaccesstoJudicial(MIHR)Self‐Service.Thisonlinetoolallowsyoutoupdateyourpersonalrecordssuchasaddressandhomephone,emergencycontacts,e‐mailaddress,beneficiaries,anddirectdeposits.Duringspecialenrollmentperiods,youcancompleteyourGroupInsuranceOpenEnrollment,FlexibleSpendingAccountOpenEnrollment,and/ormakecontributionsduringtheStateEmployeesCharitableCampaign(SECC).Youcanalsogetupdatedinformationandformsforinsurancecoverage,taxwithholding,leavebalances,earningstatements,andmore.
New Employees YourJudicial(MIHR)Self‐ServiceaccountwillbecreatedonedayafteryourHROfficeentersyourhireinformationintothesystem.HumanResourcesManagementNetwork(HRMN)CentralSecuritywillcreateyourSelf‐Serviceaccountandsendthefollowingcorrespondencetoyou:AletterwillbemailedtothehomeaddressonfilenotifyingyouthatyourJudicial(MIHR)Self‐Serviceaccounthasbeencreated.Itwillcontain;yourjudicial(MIHR)Self‐Serviceusername,awalletcardwithyourusername,additionalwebaddressesandcontactinformation,picturedabove.
IfyouhaveavalidStateofMichiganemailaddress,anemailwithatemporaryPIN,instructionsonhowtoactivateyourJudicial(MIHR)Self‐Serviceaccountandhowtoreceiveyournewpasswordwillbeemailedtoyou.Ifyoudonothaveavalidemailaddress,thisinformationwillbemailedtoyourhomeaddressonfile.
Onceyou'veactivatedyouraccountandreceivedyourpassword,athankyounotificationwillbesenttoyourvalidStateofMichiganemailaddressortoyourhomeaddressonfileifyoudon'thaveavalidemailaddress.Thenotificationwillalsocontaintheaddresstotheself‐serviceloginpage.
Ifyouhavedifficultyobtainingyourfirstpasswordorwouldlike
www.michigan.gov/employeebenefits
MI HR Service Center NewJudicialemployeesshouldenrollforbenefitsbycontactingtheiragencyHROffice(517)373‐1147.
Forbenefitsandenrollmentquestionsoutsideofnormal
businesshours,theMIHRServiceCenterhasastaffofStateofMichiganHRemployeeswhoareavailabletohelp.TheMIHR
ServiceCenterisavailablefrom7:00a.m.to6:00p.m.,Monday
throughFriday,exceptstateholidays.
Documentationmustbemailed/faxedtoJudicialHuman
Resourceswithin31daysfromthedateyouenrolldependents
inyourinsurances.
SeeEligibilityDocumentationforalistofacceptabledocuments.
Contact
JudicialHR
Judicial
Human
Resources
Eligibi l i ty Documentation Belowisalistingofdocumentsthatcanbeusedtoprovedependenteligibilityforinsurancecoverage.Thisdocumentationmustbemailed/faxedtoJudicialHumanResourceswithin31daysfromthedateyouenrolldependentsinyourinsurances.
FormscanbefoundontheEmployeeBenefitsDivisionwebsite.
A.RequiredDocumentationforDependents(Health,Dental,andVisionCoverage)SpecificCircumstance RequiredDocumentation
Spouse Copyofmarriagecertificate
Biologicalchild Copyofanofficialbirthcertificate(nothospitalbirthcertificate)
Legallyadoptedorpendingadoption Copyofadoptionpapersorswornstatementwiththedateofplacement
Legalguardianship Copyofguardianshippapers
Dependentchildhasababy Copyofanofficialbirthcertificate(nothospitalbirthcertificate)
Fosterchild Courtdocumentplacingthechildintheemployee’shomeforfostercare
Stepchild
Copyofanofficialbirthcertificate(nothospitalbirthcertificate)andacopyofthemarriagecertificate(ifnotpreviouslyprovidedtoobtainspousecoverage).Ifdentalandvisioncoverageissought,acopyofthefirstandlastpagesofthemostcurrentdivorcedecreeoftheemployee’sspousestampedbythecourtandanylanguageverifyingphysicalcustodyisalsorequired.
Dependentstudentchildaged19to25Inadditiontorequireddocumentationestablishingthechildrelationship,acompletedVerificationofEligibility (CS‐1830) form and a copy of school registration or other records proving schoolattendance.
Incapacitatedchild RefertotheEligibilityGuidelinesifnotpreviouslyapproved
B.RequiredDocumentationforAdultChildrentoAge26(HealthCoverageOnly)
SpecificCircumstance RequiredDocumentation
Biologicalchild Copyofanofficialbirthcertificate(nothospitalbirthcertificate)
StepchildCopyofanofficialbirthcertificate(nothospitalbirthcertificate)andacopyofamarriagecertificate(ifnotpreviouslyprovidedtoobtainspousecoverage)
Legallyadoptedorpendingadoption Copyofadoptionpapersorswornstatementwiththedateofplacement
Legalguardianship Copyofguardianshippapers
Inadditiontotherequireddocumentationnotedabove,asignedVerificationofEligibility(CS‐1830)formattestingthatthechilddoesnothaveaccesstootheremployer‐providedhealthinsuranceisrequired.
C.RequiredDocumentationforDependentLifeInsurance
SpecificCircumstance RequiredDocumentation
Dependentlifeinsurancecoverageonly Copyofofficialbirthcertificate,adoptionpapers,courtdocuments,etc.
D.RequiredDocumentationforOtherCircumstances
SpecificCircumstance RequiredDocumentation
Removingex‐spouse,dependent/stepchild(ren)duetoadivorce
Copyofthefirstandlastpageofthedivorcedecreestampedbythecourt
Removingdependentcoverageduetodeath Copyofdeathcertificate
Lossorgainofcoverage Documentdetailingloss/gainofcoveragefromemployerorinsuranceprovider.
Ifyouhaveanyquestionsondocumentationrequirements,contactJudicialHumanResources(517)373‐1147
www.michigan.gov/employeebenefits
STATEHEALTHPLANPPOBCBSMStateofMichiganServiceCenter(800)843‐4876www.bcbsm.com/som
STATECATASTROPHICHEALTHPLANBCBSMStateofMichiganServiceCenter(800)843‐4876www.bcbsm.com/som
MANAGEDPHARMACY/MAILSERVICEPRESCRIPTIONDRUGPROGRAMBCBSMStateofMichiganServiceCenter(800)843‐4876www.bcbsm.com/som
STATEVISIONPLANBCBSMStateofMichiganServiceCenter(800)843‐4876www.bcbsm.com/som
MENTALHEALTH/SUBSTANCEABUSESERVICESMagellanBehavioralofMichigan(866)503‐3158www.magellanassist.com
STATEDENTALPLANandPREVENTIVEDENTALPLANDeltaDentalPlanofMichigan(800)524‐0150www.deltadentalmi.com
STATELONGTERMDISABILITY(LTD)PLANCitizensManagement,Inc.(800)324‐9901
DENTALMAINTENANCEORGANIZATION(DMO)MidwesternDentalPlans,Inc.(800)544‐6374www.midwesterndental.comSt
ate‐SponsoredGroupInsurancePlan
ProviderInformation
BlueCareNetwork,EastBlueCareNetwork,GreatLakesWestBlueCareNetwork,Mid‐MichiganBlueCareNetwork,Southeast(800)662‐6667www.mibcn.comTheOpenEnrollmenthotlineis(800)470‐9633.(AvailableonlyduringOpenEnrollmentperiod.)
McLarenHealthPlan(888)327‐0671www.mclarenhealthplan.orgPhysiciansHealthPlan(Lansing)(517)364‐8500or(800)832‐9186www.phpmm.orgPriorityHealth,WestPriorityHealth,EastPriorityHealth,South(800)446‐5674www.priority‐health.com
GrandValleyHealthPlan(800)335‐1977(616)949‐2410www.gvhp.com
HealthAlliancePlan(800)422‐4641www.hap.org
HealthPlusofMichigan(Flint)(800)332‐9161(Saginaw)(800)942‐8816www.healthplus.com
TotalHealthCare(313)871‐2000or(800)826‐2862www.totalhealthcareonline.com
HealthMaintenanceOrganizations
Provider Information
www.michigan.gov/employeebenefits
BenefitComparisonChart&BenefitComparisonChart&BenefitComparisonChart&BiBiBi‐‐‐weeklyInsuranceRatesweeklyInsuranceRatesweeklyInsuranceRates
ForTheBenefitYearForTheBenefitYearForTheBenefitYear
October2012October2012October2012———September2013September2013September2013
www.michigan.gov/employeebenefits
www.michigan.gov/employeebenefits
Comparison of Health Care Options Hired Prior to April 1, 2010
Disc la imer Thisisintendedasaneasy‐to‐readsummary.Itisnotacontract.Additionallimitationsandexclusionsmayapplytocoveredservices.PaymentamountsarebasedontheBlueCrossBlueShieldofMichiganapprovedamount,lessanyapplicabledeductibleand/orco‐payamountsrequiredbytheStateHealthPlanPPO.ThiscoverageisprovidedpursuanttoacontractenteredintointheStateofMichiganandshallbeconstruedunderthejurisdictionandaccordingtothelawsoftheStateofMichigan.MSPTAmembersshouldreferencetheBenefitComparisonChartforMembersoftheStatePoliceEnlistedUnit.
Prevent ive Services
$1,500 per year per person (State Health Plan PPO only)
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
HealthmaintenanceexamCovered100%1peryear
NotCovered
AnnualgynecologicalexamCovered100%
1percalendaryear NotCovered
Papsmearscreening–laboratoryservicesonly1
Covered100%1peryear NotCovered
Well‐babyandchildcare Covered100% NotCovered
Immunizations2,annualflushot&HepatitisCscreeningforthoseatrisk
Covered100% NotCovered
Fecaloccultbloodscreening1 Covered100% NotCovered
Flexiblesigmoidoscopy1 Covered100% NotCovered
Colonoscopy1&2 Covered100% NotCovered
Prostatespecificantigenscreening1
Covered100%oneperyear NotCovered
Covered100%after$10officevisitco‐paymentCovered100%after$10officevisitco‐payment
Covered100%
Covered100%after$10officevisitco‐payment
Covered100%
Covered
Covered
Covered
Covered
1 American Cancer Society guidelines apply 2 Childhood immunizations and colonoscopy exams are excluded from the maximum limit
Mammography1
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Annualstandardfilmmammographyscreening(coversdigitalmammographyuptothestandardfilmrate)
Covered100%Notsubjecttopreventativemaximum
Covered90%afterdeductibleNotsubjecttopreventativemaximum
Covered100%
www.michigan.gov/employeebenefits
Comparison of Health Care Options Hired Prior to April 1, 2010
Physic ian Off ice Services
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Officevisits,consultationsandurgentcarevisits
Covered$15co‐pay,
deductiblenotapplicable
Covered90%afterdeductible
$10co‐pay
OutpatientandhomevisitsCovered100%after
deductibleCovered90%after
deductible $10co‐pay
Emergency Medical Care2
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Hospitalemergencyroomformedicalemergencyoraccidentalinjury
Covered100%aftera$50co‐payifnotadmitted
$50co‐payifnotadmitted
Ambulanceservices–medicallynecessary
Covered100%afterdeductible Covered100%
2Emergencyroomandphysicianchargesarecovered100%undertheCatastrophicHealthPlan.Ambulanceiscovered$25maximum.
Diagnost ic Services
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
LaboratoryandpathologytestsCovered100%after
deductibleCovered90%after
deductibleCovered100%
Diagnostictestsandx‐raysCovered100%after
deductibleCovered90%after
deductibleCovered100%
RadiationtherapyCovered100%after
deductibleCovered90%after
deductibleCovered100%
Materni ty Services Includescarebyacertifiednursemidwife(StateHealthPlanPPOonly)
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Prenatalandpostnatalcare
Covered100%afterdeductible
Covered90%afterdeductible
OfficeVisit$10co‐pay
Deliveryandnurserycare3Covered100%afterdeductible
Covered90%afterdeductible
Covered100%
www.michigan.gov/employeebenefits
Comparison of Health Care Options Hired Prior to April 1, 2010
Hospita l Care
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Semi‐privateroom,inpatientphys ic ian care,generalnursingcare,hospitalservicesandsupplies
Covered100%afterdeductible,unlimited
days
Covered90%afterdeductible,
unlimiteddays
Covered100%
Unlimiteddays
InpatientconsultationsCovered100%after
deductibleCovered90%after
deductible
Chemotherapy
Covered100%
Covered100%afterdeductible
Covered90%afterdeductible
Covered100%
Alternat ives to Hospita l Care
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Skillednursingcareupto120daysperconfinement(730daysforUAW)
Covered100%
upto730days
HospicecareCovered100%
LimitedtothelifetimedollarmaximumthatisadjustedannuallybytheState
Covered100%
HomehealthcareCovered100%
afterdeductible,unlimitedvisitsCheckwithyour
HMO
Covered100%afterdeductible
Surgica l Services
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Surgery—includesrelatedsurgicalservices.4
Covered100%after
deductible
Covered100%
VoluntarysterilizationCheckwithyour
HMO
Covered90%afterdeductible
Covered100%afterdeductible
Covered90%afterdeductible
4 Inpatienthospitalservicesare100%coveredafterdeductibleundertheCatastrophicHealthPlan.
www.michigan.gov/employeebenefits
Comparison of Health Care Options Hired Prior to April 1, 2010
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Bonemarrow—specificcriteriaapply
Covered100%afterdeductibleindesignatedfacilities
Covered100%indesignatedfacilities
Kidney,cornea,andskinCovered100%
subjecttomedicalcriteria
Covered90%afterdeductible
Covered100%afterdeductibleindesignatedfacilities
Covered90%afterdeductible
Organ and Tissue Transplants
Other Services
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
AllergytestingandinjectionsCovered100%after
deductibleCovered90%after
deductible
Officevisits:$10co‐payInjections:
Covered100%
Acupuncture
Covered90%afterdeductibleifperformedbyor
underthesupervisionofaM.D.
orD.O.
CheckwithyourHMO
Rabiestreatmentafterinitialemergencyroomvisit
Covered100%afterdeductible
Covered90%afterdeductible
Officevisits:$10co‐payInjections:
Covered100%
Chiropractic/spinalmanipulation
Covered100%after$15co‐pay
Upto24visitspercalendaryear
Covered90%afterdeductible
Upto24visitspercalendaryear
CheckwithyourHMO
Durablemedicalequipment
Covered100%Covered80%after
deductibleCovered
Prostheticandorthoticappliances
Covered90%afterdeductibleifperformedbyor
underthesupervisionofaM.D.
orD.O.
Human Organ Transplants
State Health Plan PPO HMO Benefits
In-network Out-of-network
Liver, heart, lung, pancreas, and other specified organ transplants
Covered 100% in designated
facilities
Covered 100% In designated facilities only. Up to $1 million lifetime maximum for each organ transplant
www.michigan.gov/employeebenefits
Comparison of Health Care Options Hired Prior to Apri l 1, 2010
Other Services cont inued . . .
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Privatedutynursing Covered90%afterdeductible Covered
Wig,wigstand,adhesives
Uponmeetingmedicalconditions,eligibleforalifetimemaximumreimbursementof
$300.(Additionalwigscoveredforchildrenduetogrowth).
CheckwithyourHMO
Lasereyesurgery(MSEAemployeesonly)
$755lifetimelimitCheckwithyourHMO
Hearingcare$15co‐payforofficevisit
CheckwithyourHMO
Notcovered6
Uponmeetingmedicalconditions,eligibleforalifetimemaximumreim‐bursementof$300.(Additionalwigscov‐eredforchildrendueto
growth).
$755lifetimelimit
Mental Health/Substance Abuse
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
MentalHealthBenefits‐Inpatient
Covered100%upto365
daysperyear7
Covered50%upto365daysper
year
MentalHealthBenefits‐Outpatient
Asnecessary90%ofnetworkrates10%
co‐pay
Asnecessary50%ofnetwork
rates
Alcohol&ChemicalDependencyBenefits‐Inpatient
Covered100%8HalfwayHouse100%
Covered50%8HalfwayHouse50%
Alcohol&ChemicalDependencyBenefits‐Outpatient
$3,500percalendaryear
90%ofnetworkrates10%co‐pay9
$3,500percalendaryear
50%ofnetworkrates
7Inpatientdaysmaybeutilizedforpartialdayhospitalization(PHP)at2:1ratio.OneinpatientdayequalstwoPHPdays.
8Uptotwo28‐dayadmissionsperyear.Theremustbeatleast60daysbetweenadmissions.Inpatientdaysmaybeutilizedforintensiveoutpatienttreatment(IOP)at2:1ratio.OneinpatientdayequalstwoIOPdays.
9$3,500percalendaryearlimitationpertainstoservicesforchemicaldependencyonly.
CheckwithyourHMO
6Notallareashaveanetworkofhearingproviders.Ifthereisnonetworkinyourarea,yourprovidermayparticipateonaperclaimbasis.Ifyourpro‐viderdoesnotwishtoparticipate,youmaypayforservicesandsubmitaclaim.Youwillbereimburseduptotheallowedamountforcoveredservices.
www.michigan.gov/employeebenefits
Comparison of Health Care Options Hired Prior to Apri l 1, 2010
PrescriptionmedicationsfortheStateHealthPlanPPOarecoveredundertheParticipatingPharmacyIDCardPlanadministeredbyBCBSM.
Prescriptionsfilledataparticipatingpharmacymayonlybeapprovedforuptoa34‐daysupply.Employeescanstillreceivea90‐daysupplybymailorder.
Tochecktheco‐payfordrugsyoumaybetaking,visitBCBSMwebsiteat
http://www.bcbsm.com/somorcontactBCBSMat(800)843‐4876.ThePreferred/Non‐preferred
listofdrugsisupdatedperiodicallyasnewdrugsareadded.
ForinformationaboutHMOprescriptiondrugcoverage,checkwiththeHMOprovider.
ForinformationaboutHMOprescriptiondrugcoverage,checkwiththeHMOprovider.
Prescr ipt ion Drugs
EmployeeGroup Generic BrandNamePreferred
BrandNameNon‐Preferred
JudicialEmployees
Retail$10
MailOrder$20
Retail$20
MailOrder$40
Retail$40
MailOrder$80
10Theprescriptiondrugprogramwillpromotetheuseofgenericdrugs.Prescriptionmedicationsonthemaintenancedruglist(MDL)usedonalongtermbasiswillbeavailableonlythroughmailorderhomedeliveryperthetermsofthecontract.
www.michigan.gov/employeebenefits
Comparison of Health Care Options Hired Prior to Apri l 1, 2010
State Health Plan PPO HMO Benefits
In-network Out-of-network Outpatient physical, speech and occupational therapy – facility and clinic services
Covered 100% after deductible
Office visit: $10 co-pay
Outpatient physical therapy – physician’s office
Covered 100% after deductible
Covered 90% after deductible
Office visit: $10 co-pay
Covered 100% after deductible
Outpat ient Physica l , Speech , and Occupat ional Therapy Combined maximum of 90 visits per calendar year.
StateHealthPlanPPO HMOBenefits
In‐network Out‐of‐network
Deductible$300permember$600perfamily
$600permember$1,200perfamily
None
Fixeddollarco‐pays
$15forofficevisits,officeconsultations,urgentcarevisits,osteopathicmanipulations,
chiropracticmanipulationsandmedicalhearingexams.
$50foremergencyroomvisits,ifnotadmitted
Notapplicable,butdeductibleandco‐
payapply
$10forofficevisits$50for
emergencyroomvisits,ifnotadmitted
Percentco‐pays10%forprivatedutynursing,chiropracticmanipulation(forMCOmembers)andacupuncture
10%formostservices
None
Annualout‐of‐pocketdollarmaximums11
$1,000permember$2,000perfamily
$2,000permember$4,000perfamily None
Deduct ib le , Co ‐Pays , and Out ‐of ‐Pocket Dol lar Maximums
11 Theout‐of‐pocketlimitdoesnotapplytodeductibles,fixeddollarco‐payments,orprivatedutynursingco‐payments.
www.michigan.gov/employeebenefits
Comparison of Dental Care Options
Thisbenefitsummaryisabriefexplanationonly.Allplanprovisions(includingexclusionsandlimitations)aresubjecttothespecifictermsoftheStateandPreventiveDentalPlansandtheGroupDentalServicesAgreement(MidwesternDentalPlans,Inc.).
Dental Care Options
*IfyouhavetheStateDentalPlanasyourdentalcoverage,thelevelofcoverageisdeterminedbythepro‐videryouchoose.ToverifythataDentistisaParticipatingDentist,youcanuseDeltaDental’sonlineDentistDirectoryatwww.deltadentalmi.comorcall(800)524‐0150.
CoveredServices
StateDentalPlan(Delta) DMOPlan
(Midwestern)Premier/Non‐Part*
PPO*
DiagnosticExamsandConsultations(2peryear)
100% 100% 100% 100%
PreventiveServicesTeethcleaning(3peryear)
Topicalfluoride(underage19)
Spacemaintainers(underage14)
Sealants(underage14)
100%
100%
100%
50%
100%
100%
100%
70%
100%
100%
100%
100%
100%
100%
100%
NotCovered
Radiographs 90% 100% 100% NotCovered
BrushBiopsy 100% 100% N/A 100%
OralSurgery 90% 90% 100% 100%
Extractions 90% 100% 100% NotCovered
MinorRestoratives 90% 100% 100% NotCovered
MajorRestoratives 90% 90% 100% NotCovered
Endodontics 90% 100% 100% NotCovered
Periodontics 90% 100% 100% NotCovered
Prosthodontics 50% 70% 100% NotCovered
ProsthodonticsRepair 50% 100% 100% NotCovered
OrthodonticsUptoage19
19andover
60%
60%
75%
75%
100%
$1,250co‐pay
NotCovered
NotCovered
BenefitMaximumsAnnual(Oct.–Sept.)LifetimeOrthodontics
$1,500$1,500
$1,500$1,500
NoneNone
NoneN/A
PreventiveDentalPlan(Delta)
www.michigan.gov/employeebenefits
Comparison of Health Care Options - Hired On or After April 1, 2010
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
HealthmaintenanceexamCovered100%1peryear
NotCovered
AnnualgynecologicalexamCovered100%
1percalendaryear NotCovered
Papsmearscreening–laboratoryservicesonly1
Covered100%1peryear
NotCovered
Well‐babyandchildcare Covered100% NotCovered
Immunizations2,annualflushot&HepatitisCscreeningforthoseatrisk
Covered100% NotCovered
Fecaloccultbloodscreening1 Covered100% NotCovered
Flexiblesigmoidoscopy1 Covered100% NotCovered
Colonoscopy1&2 Covered100% NotCovered
Prostatespecificantigenscreening1
Covered100%oneperyear NotCovered
Covered100%after$20officevisitco‐paymentCovered100%after$20officevisitco‐payment
Covered100%
Covered100%after$20officevisitco‐payment
Covered100%
CheckwithHMO
CheckwithHMO
CheckwithHMO
CheckwithHMO
Prevent ive Services
Disc la imer Thisisintendedasaneasy‐to‐readsummaryforemployeeshiredorrehiredonorafterApril,1,2010.Itisnotacontract.Additionallimitationsandexclusionsmayapplytocoveredservices.Paymentamountsarebasedonthe Blue Cross Blue Shield of Michigan approved amount, less any applicable deductible and /or co‐payamountsrequiredbytheNewStateHealthPlanPPO.Thiscoverageisprovidedpursuanttoacontractenteredinto in theStateofMichiganand shallbeconstruedunder the jurisdictionandaccording to the lawsof theStateofMichigan.
1AmericanCancerSocietyguidelinesapply2Childhoodimmunizationsandcolonoscopyexamsareexcludedfromthemaximumlimit
Mammography1
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
Annualstandardfilmmammographyscreening(coversdigitalmammographyuptothestandardfilmrate)
Covered100%Notsubjecttopreventativemaximum
Covered80%afterdeductibleNotsubjecttopreventativemaximum
Covered100%
1 AmericanCancerSocietyguidelinesapply
www.michigan.gov/employeebenefits
Comparison of Health Care Options - Hired On or After April 1, 2010
Physic ian Off ice Services
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
Officevisits,consultationsandurgentcarevisits
$20co‐pay,deductiblenotapplicable
Covered80%afterdeductible
OutpatientandhomevisitsCovered90%after
deductibleCovered80%after
deductible
$20co‐pay
$20co‐pay
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
Hospitalemergencyroomformedicalemergencyoraccidentalinjury
$200co‐payifnotadmitted $200co‐payifnotadmitted
Ambulanceservices–medicallynecessary
Covered90%afterdeductible Covered100%
2Emergencyroomandphysicianchargesarecovered100%undertheCatastrophicHealthPlan.Ambulanceiscovered$25maximum.
Emergency Medical Care2
New State Health Plan PPO NHMO Benefits
In‐network Out‐of‐network
Skillednursingcareupto120daysperconfinement
Covered100%
HospicecareCovered100%
LimitedtothelifetimedollarmaximumthatisadjustedannuallybytheState
Covered100%
HomehealthcareCovered90%
afterdeductible,unlimitedvisitsCheckwithyour
HMO
Covered90%afterdeductible
Alternat ives to Hospita l Care
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
Surgery—includesrelatedsurgicalservices.4
Covered90%after
deductible
Covered100%
VoluntarysterilizationCheckwithyour
HMO
Covered80%afterdeductible
Covered90%afterdeductible
Covered80%afterdeductible
Surgica l Services
4Inpatienthospitalservicesare100%coveredafterdeductibleundertheCatastrophicHealthPlan.
www.michigan.gov/employeebenefits
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
Liver,heart,lung,pancreas,andotherspecifiedorgantransplants
Covered100%indesignatedfacilities
Covered90%Indesignatedfacilitiesonly.Upto$1millionlifetimemaximumforeachorgantransplant
Human Organ Transplants
Comparison of Health Care Options - Hired On or After April 1, 2010
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
Bonemarrow—specificcriteriaapply
Covered90%afterdeductibleindesignatedfacilities
Covered100%indesignatedfacilities
Kidney,cornea,andskinCovered100%
subjecttomedicalcriteria
Covered80%after
deductible
Covered90%afterdeductibleindesignatedfacilities
Covered80%afterdeductible
Organ and Tissue Transplants
Other Services NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
AllergytestingandinjectionsCovered90%after
deductibleCovered80%after
deductibleCheckwithyour
HMO
Acupuncture
Covered80%afterdeductibleifperformedbyor
underthesupervisionofaM.D.
orD.O.
CheckwithyourHMO
Rabiestreatmentafterinitialemergencyroomvisit
Covered90%afterdeductible
Covered80%afterdeductible
CheckwithyourHMO
Chiropractic/spinalmanipulation$20co‐pay
Upto24visitspercalendaryear
Covered80%afterdeductible
Upto24visitspercalendaryear
CheckwithyourHMO
Durablemedicalequipment‐SupportProgram
Covered100%Covered80%ofapprovedcharges
CheckwithyourHMO
Prostheticandorthoticappliances‐SupportProgram
Covered80%afterdeductibleifperformedbyor
underthesupervisionofaM.D.
orD.O.
Covered100%Covered80%ofapprovedcharges
CheckwithyourHMO
www.michigan.gov/employeebenefits
Comparison of Health Care Options - Hired On or After April 1, 2010
Other Services cont inued . . .
NewStateHealthPlanPPO NHMOBene‐fits
In‐network Out‐of‐network
Privatedutynursing Covered80%afterdeductible Covered
Wig,wigstand,adhesives
Uponmeetingmedicalconditions,eligibleforalifetimemaximumre‐imbursementof$300.(Additionalwigscov‐eredforchildrendueto
growth).
CheckwithyourHMO
HearingCareExam$20co‐payforofficevisit
Covered80%afterde‐ductible
CheckwithyourHMO
Uponmeetingmedicalconditions,eligibleforalifetimemaximumreimbursementof$300.(Additional
wigscoveredforchil‐drenduetogrowth).
Lasereyesurgery(MSEAemployeesonly)
$755lifetimelimit $755lifetimelimit CheckwithyourHMO
Mental Health/Substance Abuse
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
MentalHealthBenefits‐Inpatient
Covered100%upto365daysperyear6
Covered50%upto365daysper
year
MentalHealthBenefits‐Outpatient
Asnecessary90%ofnetworkrates10%
co‐pay
Asnecessary50%ofnetwork
rates
Alcohol&ChemicalDependencyBenefits‐Inpatient
Covered100%7HalfwayHouse100%
Covered50%8HalfwayHouse50%
Alcohol&ChemicalDependencyBenefits‐Outpatient
$3,500percalendaryear
90%ofnetworkrates10%co‐pay8
$3,500percalendaryear
50%ofnetworkrates
6Inpatientdaysmaybeutilizedforpartialdayhospitalization(PHP)at2:1ratio.OneinpatientdayequalstwoPHPdays.
7Uptotwo28‐dayadmissionsperyear.Theremustbeatleast60daysbetweenadmissions.Inpatientdaysmaybeutilizedforintensiveoutpatienttreatment(IOP)at2:1ratio.OneinpatientdayequalstwoIOPdays.
8$3,500percalendaryearlimitationpertainstoservicesforchemicaldependencyonly.
CheckwithyourHMO
CheckwithyourHMO
CheckwithyourHMO
CheckwithyourHMO
www.michigan.gov/employeebenefits
Comparison of Health Care Options - Hired On or After April 1, 2010
PrescriptionmedicationsfortheNewStateHealthPlanPPOarecoveredundertheParticipatingPharmacyIDCardPlanadministeredbyBCBSM.
Prescriptionsfilledataparticipatingpharmacymayonlybeapprovedforuptoa34‐daysupply.Employeescanstillreceivea90‐daysupplybymailorder.
Tochecktheco‐payfordrugsyoumaybetaking,visitBCBSMwebsiteat
http://www.bcbsm.com/somorcontactBCBSMat(800)843‐4876.ThePreferred/Non‐preferred
listofdrugsisupdatedperiodicallyasnewdrugsareadded.
ThechartbelowshowstheNSHPandNHMOprescriptiondrugmemberco‐pays:
ForinformationaboutHMOprescriptiondrugcoverage,checkwiththeHMOprovider.
Prescr ipt ion Drugs
Generic
BrandNamePreferred
BrandNameNon‐Preferred
Retail$10
MailOrder$20
Retail$30
MailOrder$60
Retail$60
MailOrder$120
www.michigan.gov/employeebenefits
Comparison of Health Care Options - Hired On or After April 1, 2010
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network Outpatientphysical,speechandoccupationaltherapy–facilityandclinicservices
Covered90%afterdeductible CheckwithHMO
Outpatientphysicaltherapy–physician’soffice
Covered90%afterdeductible
Covered80%afterdeductible CheckwithHMO
Outpat ient Physica l , Speech , and Occupat ional Therapy
NewStateHealthPlanPPO NHMOBenefits
In‐network Out‐of‐network
Deductible $400permember$800perfamily
$800permember$1,600perfamily
None
Fixeddollarco‐pays
$20forofficevisits,officeconsultations,urgentcarevisits,osteopathicmanipulations,
chiropracticmanipulationsandmedicalhearingexams.
$200foremergencyroomvisits,ifnotadmitted
Notapplicable
$20forofficevisits
$200foremergencyroomvisits,ifnotadmitted
Coinsurance10%formostservicesand20%forprivatedutynursingand
acupuncture
20%formostservices.MHSAat
50%None
Annualout‐of‐pocketdollarmaximums9
$1,500permember$3,000perfamily
$3,000permember$6,000perfamily None
Deduct ib le , Co ‐Pays , and Out ‐of ‐Pocket Dol lar Maximums
9Theout‐of‐pocketlimitdoesnotapplytodeductibles,fixeddollarco‐payments,orprivatedutynursingco‐payments.
Rates: Judicial Branch, AFSCME, MCO, & MSEA, prior to Apri l 1, 2010
FY2012‐2013GROUPINSURANCEPREMIUMRATESFOREMPLOYEESHIREDPRIORTOAPRIL1,2010,EFFECTIVEOCTOBER14,2012
ForJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12),AFSCME(U11)
Note:WhenchoosingaHMOorDMOplan,besuretoreviewavailabilityinyourarea.TheZipCodeListisavailableatwww.michigan.gov/employeebenefits.ChooseInsuranceOpenEnrollment.
BIWEEKLY1 BIWEEKLY Part‐timeemployees
Option2 Employee State Employee State
PLANNAME (a) (b) (c) (d) (e)
HEALTHPLANS
StateHealthPlanPPO 1 $ 54.93 $ 219.73 $ 137.33 $ 137.33
2 $ 109.87 $ 439.46 $ 274.66 $ 274.66
3 $ 96.68 $ 386.73 $ 241.71 $ 241.71
4 $ 151.62 $ 606.46 $ 379.04 $ 379.04
EmployeeorSpousewithMedicare(Statepays100%)
CatastrophicHealthPlan 1 $ ‐ $ 15.81 $ 7.91 $ 7.91
EmployeesintheCatastrophicHealthPlanwillreceivea 2 $ ‐ $ 31.62 $ 15.81 $ 15.81
$50rebatewitheachpaycheckbeginningOctober25,2012. 3 $ ‐ $ 31.62 $ 15.81 $ 15.81
4 $ ‐ $ 31.62 $ 15.81 $ 15.81
DeclineHealthInsuranceCoverage3 (n/a)
BlueCareNetwork,Mid‐Michigan 1 $ 52.03 $ 219.73 $ 135.88 $ 135.88
2 $ 104.07 $ 439.46 $ 271.77 $ 271.77
3 $ 91.58 $ 386.73 $ 239.16 $ 239.16
4 $ 143.62 $ 606.46 $ 375.04 $ 375.04
BlueCareNetwork,EastMichigan 1 $ 54.28 $ 219.73 $ 137.01 $ 137.01
2 $ 108.55 $ 439.46 $ 274.01 $ 274.01
3 $ 95.53 $ 386.73 $ 241.13 $ 241.13
4 $ 149.81 $ 606.46 $ 378.13 $ 378.13
BlueCareNetwork,GreatLakesWest 1 $ 54.27 $ 219.73 $ 137.00 $ 137.00
2 $ 108.54 $ 439.46 $ 274.00 $ 274.00
3 $ 95.52 $ 386.73 $ 241.12 $ 241.12
4 $ 149.79 $ 606.46 $ 378.12 $ 378.12
BlueCareNetwork,SoutheastMichigan 1 $ 50.76 $ 219.73 $ 135.25 $ 135.25
2 $ 101.53 $ 439.46 $ 270.50 $ 270.50
3 $ 89.34 $ 386.73 $ 238.04 $ 238.04
4 $ 140.10 $ 606.46 $ 373.28 $ 373.28
GrandValleyHealthPlan 1 $ 75.88 $ 219.73 $ 147.81 $ 147.81
ThisHMOisnotauthorizedtoacceptemployeesinbargaining 2 $ 151.76 $ 439.46 $ 295.61 $ 295.61
unitsW22andW41(UAW)asnewmembers.However, 3 $ 133.55 $ 386.73 $ 260.14 $ 260.14
employeeswhoarealreadyenrolledmayremainenrolled. 4 $ 209.42 $ 606.46 $ 407.94 $ 407.94
HealthAlliancePlan 1 $ 38.11 $ 215.98 $ 127.05 $ 127.05
2 $ 76.55 $ 433.81 $ 255.18 $ 255.18
3 $ 67.33 $ 381.53 $ 224.43 $ 224.43
4 $ 105.77 $ 599.36 $ 352.56 $ 352.56
HealthPlusofMichigan 1 $ 39.90 $ 219.73 $ 129.81 $ 129.81
ThisHMOisnotauthorizedtoacceptemployeesinbargaining 2 $ 79.80 $ 439.46 $ 259.63 $ 259.63
unitsW22andW41(UAW)insomezipcodesasnewmembers. 3 $ 70.22 $ 386.73 $ 228.47 $ 228.47
4 $ 110.11 $ 606.46 $ 358.29 $ 358.29
1 Part‐timeemployeeshiredafter1/1/2000whoseregularworkscheduleis40hoursorlessperbiweeklypayperiodpaypremiumsaccordingtocolumn(d).2 Healthoptionsare:1=Employeeonlycoverage,2=Employee&Spouse,3=Employee&Child(ren),4=FullFamily.3 Employeeswhooptoutofhealthcoverage(becausetheyhave“primary”coveragethroughanon‐Stateemployeeornon‐Stateretiredspouse)willreceivearebateidenticalto
theCatastrophicHealthPlan.
www.michigan.gov/employeebenefits
Rates: Judicial , AFSCME, MCO, & MSEA, prior to Apri l 1, 2010
FY2012‐2013GROUPINSURANCEPREMIUMRATESFOREMPLOYEESHIREDPRIORTOAPRIL1,2010,EFFECTIVEOCTOBER14,2012
ForJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12),AFSCME(U11)
BIWEEKLY1 BIWEEKLY Part‐timeemployees Option2 Employee State Employee State
PLANNAME (a) (b) (c) (d) (e)
McLarenHealthPlan 1 $ 34.50 $ 195.49 $ 115.00 $ 115.00
ThisHMOisnotauthorizedtoacceptemployeesinbargaining 2 $ 69.00 $ 390.99 $ 230.00 $ 230.00
unitsW22andW41(UAW)asnewmembers. 3 $ 60.72 $ 344.07 $ 202.40 $ 202.40
4 $ 95.22 $ 539.57 $ 317.40 $ 317.40
PhysiciansHealthPlan 1 $ 41.55 $ 219.73 $ 130.64 $ 130.64
2 $ 83.10 $ 439.46 $ 261.28 $ 261.28
3 $ 73.12 $ 386.73 $ 229.92 $ 229.92
4 $ 114.67 $ 606.46 $ 360.57 $ 360.57
PriorityHealthPlan,West 1 $ 54.41 $ 219.73 $ 137.07 $ 137.07
2 $ 108.82 $ 439.46 $ 274.14 $ 274.14
3 $ 95.76 $ 386.73 $ 241.24 $ 241.24
4 $ 150.17 $ 606.46 $ 378.31 $ 378.31
PriorityHealthPlan,East 1 $ 54.41 $ 219.73 $ 137.07 $ 137.07
ThisHMOisnotauthorizedtoacceptemployeesinbargainingunits 2 $ 108.82 $ 439.46 $ 274.14 $ 274.14
W22andW41(UAW)insomezipcodesasnewmembers. 3 $ 95.76 $ 386.73 $ 241.24 $ 241.24
4 $ 150.17 $ 606.46 $ 378.31 $ 378.31
PriorityHealthPlan,South 1 $ 54.41 $ 219.73 $ 137.07 $ 137.07
2 $ 108.82 $ 439.46 $ 274.14 $ 274.14
3 $ 95.76 $ 386.73 $ 241.24 $ 241.24
4 $ 150.17 $ 606.46 $ 378.31 $ 378.31
TotalHealthCare 1 $ 26.87 $ 152.27 $ 89.57 $ 89.57
2 $ 51.06 $ 289.32 $ 170.19 $ 170.19
3 $ 61.81 $ 350.23 $ 206.02 $ 206.02
4 $ 72.55 $ 411.14 $ 241.85 $ 241.85
VISIONPLANS
StateVisionPlan 1 $ ‐ $ 2.80 $ 1.40 $ 1.40
2 $ ‐ $ 4.93 $ 2.46 $ 2.46
3 $ ‐ $ 6.02 $ 3.01 $ 3.01
4 $ ‐ $ 8.16 $ 4.08 $ 4.08
DeclineVisionInsurance (n/a) (n/a) (n/a) (n/a) (n/a)
DENTALPLANS
StateDentalPlan 1 $ 1.08 $ 20.48 $ 10.78 $ 10.78
2 $ 1.97 $ 37.38 $ 19.67 $ 19.67
3 $ 2.40 $ 45.52 $ 23.96 $ 23.96
4 $ 3.28 $ 62.36 $ 32.82 $ 32.82
PreventiveDentalPlan 1 $ ‐ $ 2.99 $ 1.50 $ 1.50
EmployeesinthePreventiveDentalplanwillreceive 2 $ ‐ $ 5.21 $ 2.61 $ 2.61
a$100.00lumpsumpaymentonNovember8,2012. 3 $ ‐ $ 5.21 $ 2.61 $ 2.61
4 $ ‐ $ 7.42 $ 3.71 $ 3.71
MidwesternDentalPlan(DMO) 1 $ ‐ $ 15.99 $ 8.00 $ 8.00
2 $ ‐ $ 15.99 $ 8.00 $ 8.00
3 $ ‐ $ 15.99 $ 8.00 $ 8.00
4 $ ‐ $ 15.99 $ 8.00 $ 8.00
DeclineDentalInsurance3 (n/a) (n/a) (n/a) (n/a) (n/a)
1 Part‐timeemployeeshiredafter1/1/2000whoseregularworkscheduleis40hoursorlessperbiweeklypayperiodpaypremiumsaccordingtocolumn(d).2 Health,dentalandvisionoptionsare:1=Employeeonlycoverage,2=Employee&Spouse,3=Employee&Child(ren),4=FullFamily.3 Employeeswhooptoutofdentalcoverage(becausetheyhave“primary”coveragethroughanon‐Stateemployeeornon‐Stateretiredspouse)willreceivearebateidenticalto
thePreventiveDentalPlan.
www.michigan.gov/employeebenefits
Rates - Life Insurance & Long Term Disabil i ty
FY2012‐2013GROUPINSURANCEPREMIUMRATESFORLIFEINSURANCE—ALLEMPLOYEESEffectiveOctober14,2012
BIWEEKLY Option Employee StatePLANNAME/CODE (a) (b) (c)
LIFEINSURANCEPLANS
DependentLifeOptions
Spouse$1,500and/orChild(ren)$1,000 F $ 0.20 $0.00
Spouse$5,000and/orChild(ren)$2,500 G $ 0.60 $0.00
Spouse$10,000and/orChild(ren)$5,000 H $ 1.20 $0.00
Spouse$25,000and/orChild(ren)$10,000 K $ 4.00 $0.00
Child(ren)Only$10,000 L $ 0.75 $0.00
EmployeeLifeOptions
TheEmployeeOnlyregularplanis2timesyourannualsalary,uptoamaximumof$200,000.TheStatepays100%ofthepremiumforthisplan.
TheEmployeeOnlyreducedplanis1timesyourannualsalary,uptoamaximumof$50,000.EmployeesenrolledinthisplanwillreceiveabiweeklyrebatebeginningOctober25,2012. OfficeoftheStateEmployer,EmployeeHealthManagement
FY2012‐2013BIWEEKLYLONGTERMDISABILITYPREMIUMRATES—ALLEMPLOYEESRatesper$100ofEarnings*
EffectiveOctober14,2012
Status Employee State
PLANNAME (a) (b) (c)
AllemployeesexceptthoserepresentedbybargainingunitsW22andW41(UAW)
YIA0:Lessthan184hourssickleave PlanI $ 2.08 $ 0.92
YIA1:184‐527hourssickleave PlanIIA $ 0.53 $ 0.92
YIA2:528hoursormoresickleave PlanIIB $ 0.00 $ 0.92
YIA3:ReachPlanII(YIA1)butnowlessthan184hourssickleave PlanIIC $ 1.74 $ 0.92
EmployeesrepresentedbybargainingunitsW22andW41(UAW)
YIA0:Lessthan184hourssickleave PlanI $ 2.13 $ 0.92
YIA1:184‐527hourssickleave PlanIIA $ 0.58 $ 0.92
YIA2:528hoursormoresickleave PlanIIB $ 0.00 $ 0.92
CalculationofEmployeeContribution:BiweeklyContribution=HourlyRatetimes2088,dividedby26,dividedby100,timestheEmployeeRateperPlan(I,IIA,IIB,orIIC)
*BenefitsaresubjecttomaximumsintheLTDbooklet.
YIA3:ReachPlanII(YIA1)butnowlessthan184hourssickleave PlanIIC$ 1.79$ 0.92
EndofRatesforJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12)and
AFSCME(U11)
www.michigan.gov/employeebenefits
Rates: Judicial Branch, AFSCME, MCO & MSEA, Hired on or af ter April 1, 2010
FY2012‐2013GROUPINSURANCEPREMIUMRATESFOREMPLOYEESHIREDONORAFTERAPRIL1,2010,EFFECTIVEOCTOBER14,2012
ForJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12),AFSCME(U11)Note:WhenchoosingaHMOorDMOplan,besuretoreviewavailabilityinyourarea.TheZipCodeListisavailableat
www.michigan.gov/employeebenefits.ChooseInsuranceOpenEnrollment.
BIWEEKLY1 BIWEEKLY Part‐timeemployees Option2 Employee State Employee State
PLANNAME (a) (b) (c) (d) (e)
HEALTHPLANS
NewStateHealthPlanPPO 1 $ 48.65 $ 194.61 $ 121.63 $ 121.63 2 $ 97.31 $ 389.24 $ 243.28 $ 243.28
3 $ 85.63 $ 342.53 $ 214.08 $ 214.08
4 $ 134.29 $ 537.15 $ 335.72 $ 335.72
EmployeeorSpousewithMedicare(Statepays100%)
CatastrophicHealthPlan 1 $ ‐ $ 15.81 $ 7.91 $ 7.91
EmployeesintheCatastrophicHealthPlanwillreceivea 2 $ ‐ $ 31.62 $ 15.81 $ 15.81
$50rebatewitheachpaycheckbeginningOctober25,2012. 3 $ ‐ $ 31.62 $ 15.81 $ 15.81
4 $ ‐ $ 31.62 $ 15.81 $ 15.81
DeclineHealthInsuranceCoverage3 (n/a)
NewBlueCareNetwork,Mid‐Michigan 1 $ 38.68 $ 194.61 $ 116.65 $ 116.65
2 $ 77.35 $ 389.24 $ 233.29 $ 233.29
3 $ 68.07 $ 342.53 $ 205.30 $ 205.30
4 $ 106.74 $ 537.15 $ 321.95 $ 321.95
NewBlueCareNetwork,EastMichigan 1 $ 34.86 $ 194.61 $ 114.74 $ 114.74
2 $ 69.71 $ 389.24 $ 229.48 $ 229.48
3 $ 61.35 $ 342.53 $ 201.94 $ 201.94
4 $ 96.21 $ 537.15 $ 316.68 $ 316.68
NewBlueCareNetwork,GreatLakesWest 1 $ 38.94 $ 194.61 $ 116.77 $ 116.77
2 $ 77.86 $ 389.24 $ 233.55 $ 233.55
3 $ 68.52 $ 342.53 $ 205.52 $ 205.52
4 $ 107.44 $ 537.15 $ 322.30 $ 322.30
NewBlueCareNetwork,SoutheastMichigan 1 $ 36.24 $ 194.61 $ 115.42 $ 115.42
2 $ 72.46 $ 389.24 $ 230.85 $ 230.85
3 $ 63.76 $ 342.53 $ 203.15 $ 203.15
4 $ 99.99 $ 537.15 $ 318.57 $ 318.57
NewGrandValleyHealthPlan 1 $ 28.77 $ 163.02 $ 95.89 $ 95.89
ThisHMOisnotauthorizedtoacceptemployeesinbargainingunits 2 $ 57.54 $ 326.03 $ 191.78 $ 191.78
W22andW41(UAW)asnewmembers.However,employeeswho 3 $ 50.63 $ 286.91 $ 168.77 $ 168.77
arealreadyenrolledmayremainenrolled. 4 $ 79.40 $ 449.92 $ 264.66 $ 264.66
NewHealthAlliancePlan 1 $ 32.43 $ 183.76 $ 108.09 $ 108.09
2 $ 65.14 $ 369.10 $ 217.12 $ 217.12
3 $ 57.29 $ 324.62 $ 190.95 $ 190.95
4 $ 89.99 $ 509.96 $ 299.98 $ 299.98
NewHealthPlusofMichigan 1 $ 33.21 $ 188.21 $ 110.71 $ 110.71
ThisHMOisnotauthorizedtoacceptemployeesinbargainingunits 2 $ 66.43 $ 376.42 $ 221.42 $ 221.42
W22andW41(UAW)insomezipcodesasnewmembers. 3 $ 58.46 $ 331.25 $ 194.85 $ 194.85
4 $ 91.67 $ 519.46 $ 305.56 $ 305.56
1 Part‐timeemployeeshiredafter1/1/2000(1/1/2002forMSEArepresentedbargainingunitsA02andA31)whoseregularworkscheduleis40hoursorlessperbiweeklypayperiodpaypremiumsaccordingtocolumn(d).
2 Healthoptionsare:1=Employeeonlycoverage,2=Employee&Spouse,3=Employee&Child(ren),4=FullFamily.3Employeeswhooptoutofhealthcoverage(becausetheyhave“primary”coveragethroughanon‐Stateemployeeornon‐Stateretiredspouse)willreceivearebateidenticalto
theCatastrophicHealthPlan.
www.michigan.gov/employeebenefits
Rates: Judicial , AFSCME, MCO & MSEA, Hired on or af ter Apri l 1, 2010
FY2012‐2013GROUPINSURANCEPREMIUMRATESFOREMPLOYEESHIREDONORAFTERAPRIL1,2010,EFFECTIVEOCTOBER14,2012
ForJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12),AFSCME(U11)
BIWEEKLY1 BIWEEKLY Part‐timeemployees Option2 Employee State Employee State
PLANNAME (a) (b) (c) (d) (e)
NewMcLarenHealthPlan 1 $ 28.52 $ 161.62 $ 95.07 $ 95.07
ThisHMOisnotauthorizedtoacceptemployeesinbargaining 2 $ 57.04 $ 323.24 $ 190.14 $ 190.14
unitsW22andW41(UAW)asnewmembers. 3 $ 50.20 $ 284.48 $ 167.34 $ 167.34
4 $ 78.72 $ 446.08 $ 262.40 $ 262.40
NewPhysiciansHealthPlan 1 $ 27.79 $ 157.47 $ 92.63 $ 92.63
2 $ 55.58 $ 314.94 $ 185.26 $ 185.26
3 $ 48.91 $ 277.15 $ 163.03 $ 163.03
4 $ 76.70 $ 434.62 $ 255.66 $ 255.66
NewPriorityHealthPlan,West 1 $ 34.97 $ 194.61 $ 114.79 $ 114.79
2 $ 69.92 $ 389.24 $ 229.58 $ 229.58
3 $ 61.53 $ 342.53 $ 202.03 $ 202.03
4 $ 96.49 $ 537.15 $ 316.82 $ 316.82
NewPriorityHealthPlan,East 1 $ 34.97 $ 194.61 $ 114.79 $ 114.79
ThisHMOisnotauthorizedtoacceptemployeesinbargaining 2 $ 69.92 $ 389.24 $ 229.58 $ 229.58
unitsW22andW41(UAW)insomezipcodesasnewmembers. 3 $ 61.53 $ 342.53 $ 202.03 $ 202.03
4 $ 96.49 $ 537.15 $ 316.82 $ 316.82
NewPriorityHealthPlan,South 1 $ 34.97 $ 194.61 $ 114.79 $ 114.79
2 $ 69.92 $ 389.24 $ 229.58 $ 229.58
3 $ 61.53 $ 342.53 $ 202.03 $ 202.03
4 $ 96.49 $ 537.15 $ 316.82 $ 316.82
VISIONPLANS
StateVisionPlan 1 $ ‐ $ 2.80 $ 1.40 $ 1.40
2 $ ‐ $ 4.93 $ 2.46 $ 2.46
3 $ ‐ $ 6.02 $ 3.01 $ 3.01
4 $ ‐ $ 8.16 $ 4.08 $ 4.08
DeclineVisionInsurance (n/a) (n/a) (n/a) (n/a)
DENTALPLANS
StateDentalPlan 1 $ 1.08 $ 20.48 $ 10.78 $ 10.78
2 $ 1.97 $ 37.38 $ 19.67 $ 19.67
3 $ 2.40 $ 45.52 $ 23.96 $ 23.96
4 $ 3.28 $ 62.36 $ 32.82 $ 32.82
PreventiveDentalPlan 1 $ ‐ $ 2.99 $ 1.50 $ 1.50
EmployeesinthePreventiveDentalplanwillreceive 2 $ ‐ $ 5.21 $ 2.61 $ 2.61
a$100.00lumpsumpaymentonNovember8,2012. 3 $ ‐ $ 5.21 $ 2.61 $ 2.61
4 $ ‐ $ 7.42 $ 3.71 $ 3.71
MidwesternDentalPlan(DMO) 1 $ ‐ $ 15.99 $ 8.00 $ 8.00
2 $ ‐ $ 15.99 $ 8.00 $ 8.00
3 $ ‐ $ 15.99 $ 8.00 $ 8.00
4 $ ‐ $ 15.99 $ 8.00 $ 8.00
DeclineDentalInsurance3 (n/a) (n/a) (n/a) (n/a) (n/a)
NewTotalHealthCare 1 $ 24.69 $ 139.88 $ 82.28 $ 82.28
2 $ 56.78 $ 321.73 $ 189.25 $ 189.25
4 $ 66.65 $ 377.68 $ 222.16 $ 222.16
3 $ 46.90 $ 265.78 $ 156.34 $ 156.34
1 Part‐timeemployeeshiredafter1/1/2000whoseregularworkscheduleis40hoursorlessperbiweeklypayperiodpaypremiumsaccordingtocolumn(d).2 Health,dentalandvisionoptionsare:1=Employeeonlycoverage,2=Employee&Spouse,3=Employee&Child(ren),4=FullFamily.3 Employeeswhooptoutofdentalcoverage(becausetheyhave“primary”coveragethroughanon‐Stateemployeeornon‐Stateretiredspouse)willreceivearebateidenticalto
thePreventiveDentalPlan.
www.michigan.gov/employeebenefits
Rates - Life Insurance & Long Term Disabil i ty
FY2012‐2013GROUPINSURANCEPREMIUMRATESFORLIFEINSURANCE—ALLEMPLOYEES
EffectiveOctober14,2012
BIWEEKLY Option Employee StatePLANNAME (a) (b) (c)
LIFEINSURANCEPLANS
DependentLifeOptions
Spouse$1,500and/orChild(ren)$1,000 F $ 0.20 $0.00
Spouse$5,000and/orChild(ren)$2,500 G $ 0.60 $0.00
Spouse$10,000and/orChild(ren)$5,000 H $ 1.20 $0.00
Spouse$25,000and/orChild(ren)$10,000 K $ 4.00 $0.00
Child(ren)Only$10,000 L $ 0.75 $0.00
EmployeeLifeOptions
TheEmployeeOnlyregularplanis2timesyourannualsalary,uptoamaximumof$200,000.TheStatepays100%ofthepremiumforthisplan.
TheEmployeeOnlyreducedplanis1timesyourannualsalary,uptoamaximumof$50,000.EmployeesenrolledinthisplanwillreceiveabiweeklyrebatebeginningOctober25,2012.
OfficeoftheStateEmployer,EmployeeHealthManagement
FY2012‐2013BIWEEKLYLONGTERMDISABILITYPREMIUMRATES—ALLEMPLOYEESRatesper$100ofEarnings*
EffectiveOctober14,2012
Status Employee State
PLANNAME (a) (b) (c)
AllemployeesexceptthoserepresentedbybargainingunitsW22andW41(UAW)
YIA0:Lessthan184hourssickleave PlanI $ 2.08 $ 0.92
YIA1:184‐527hourssickleave PlanIIA $ 0.53 $ 0.92
YIA2:528hoursormoresickleave PlanIIB $ 0.00 $ 0.92
YIA3:ReachPlanII(YIA1)butnowlessthan184hourssickleave PlanIIC $ 1.74 $ 0.92
EmployeesrepresentedbybargainingunitsW22andW41(UAW)
YIA0:Lessthan184hourssickleave PlanI $ 2.13 $ 0.92
YIA1:184‐527hourssickleave PlanIIA $ 0.58 $ 0.92
YIA2:528hoursormoresickleave PlanIIB $ 0.00 $ 0.92
CalculationofEmployeeContribution:BiweeklyContribution=HourlyRatetimes2088,dividedby26,dividedby100,timestheEmployeeRateperPlan(I,IIA,IIB,orIIC)
*BenefitsaresubjecttomaximumsintheLTDbooklet.
YIA3:ReachPlanII(YIA1)butnowlessthan184hourssickleave PlanIIC$ 1.79$ 0.92
EndofRatesforJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12),
AFSCME(U11)
www.michigan.gov/employeebenefits
COBRA - Judicial Branch, AFSCME, MCO & MSEA
FY2012‐2013COBRAPREMIUMRATESEFFECTIVEOCTOBER1,2012
ForJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12),AFSCME(U11)
Note:WhenchoosingaHMOorDMOplan,besuretoreviewavailabilityinyourarea.TheZipCodeListisavailableatwww.michigan.gov/employeebenefits.ChooseInsuranceOpenEnrollment.
HiredPriortoApril1,2010
HiredOnorAfterApril1,2010
MONTHLYPREMIUM MONTHLYPREMIUM
Option1 Leave/Layoff(100%)
COBRA(102%)
Leave/Layoff(100%)
COBRA(102%)
HEALTHPLANS
StateHealthPlanPPO 1 $ 595.11 $ 607.01 $ 527.08 $ 537.62 2 $ 1,190.21 $ 1,214.02 $ 1,054.19 $ 1,075.28 3 $ 1,047.39 $ 1,068.34 $ 927.69 $ 946.24
4 $ 1,642.50 $ 1,675.35 $ 1,454.78 $ 1,483.88
5 $ 476.09 $ 485.61 $ 421.66 $ 430.09
6 $ 952.17 $ 971.21 $ 843.35 $ 860.22
7 $ 837.91 $ 854.67 $ 742.15 $ 756.99
8 $ 1,314.00 $ 1,340.28 $ 1,163.83 $ 1,187.10
CatastrophicHealthPlan 1 $ 34.26 $ 34.93 $ 34.26 $ 34.93
2 $ 68.51 $ 69.88 $ 68.51 $ 69.81
3 $ 68.51 $ 69.88 $ 68.51 $ 69.81
4 $ 68.51 $ 69.88 $ 68.51 $ 69.81
BlueCareNetwork,Mid‐Michigan 1 $ 588.83 $ 600.61 $ 505.47 $ 515.58
2 $ 1,177.66 $ 1,201.21 $ 1,010.94 $ 1,031.16
3 $ 1,036.34 $ 1,057.07 $ 889.63 $ 907.42
4 $ 1,625.17 $ 1,657.67 $ 1,395.10 $ 1,423.00
BlueCareNetwork,EastMichigan 1 $ 593.69 $ 605.56 $ 497.20 $ 507.14
2 $ 1,187.37 $ 1,211.12 $ 994.40 $ 1,014.29 3 $ 1,044.89 $ 1,065.79 $ 875.07 $ 892.57 4 $ 1,638.58 $ 1,671.35 $ 1,372.27 $ 1,399.72
BlueCareNetwork,GreatLakesWest 1 $ 593.67 $ 605.54 $ 506.02 $ 516.14
2 $ 1,187.35 $ 1,211.10 $ 1,012.04 $ 1,032.28
3 $ 1,044.87 $ 1,065.77 $ 890.60 $ 908.41
4 $ 1,638.54 $ 1,671.31 $ 1,396.62 $ 1,424.55
BlueCareNetwork,SoutheastMichigan 1 $ 586.07 $ 597.79 $ 500.17 $ 510.77
2 $ 1,172.15 $ 1,195.59 $ 1,000.34 $ 1,020.35
3 $ 1,031.49 $ 1,052.12 $ 880.30 $ 897.91
4 $ 1,617.56 $ 1,649.91 $ 1,380.47 $ 1,408.08
GrandValleyHealthPlan 1 $ 640.49 $ 653.30 $ 415.53 $ 423.84
2 $ 1,280.98 $ 1,306.60 $ 831.06 $ 847.68
3 $ 1,127.26 $ 1,149.81 $ 731.33 $ 745.96
4 $ 1,767.75 $ 1,803.11 $ 1,146.86 $ 1,169.80
HealthAlliancePlan 1 $ 550.53 $ 561.54 $ 468.41 $ 477.78
2 $ 1,105.78 $ 1,127.90 $ 940.85 $ 959.67
3 $ 972.53 $ 991.98 $ 827.47 $ 844.02
4 $ 1,527.78 $ 1,558.34 $ 1,299.91 $ 1,325.91
HealthPlusofMichigan 1 $ 562.53 $ 573.78 $ 479.75 $ 489.35
2 $ 1,125.06 $ 1,147.56 $ 959.50 $ 978.69
3 $ 990.05 $ 1,009.85 $ 844.36 $ 861.25 4 $ 1,552.58 $ 1,583.63 $ 1,324.11 $ 1,350.59
1 Healthoptionsare:1=Employeeonlycoverage,2=Employee&Spouse,3=Employee&Child(ren),4=FullFamily, 5=EmployeeOnlyw/Medicare,6=Employee&Spousew/Medicare,7=Employeew/Medicare&Children,8=FullFamilyw/Medicare.
www.michigan.gov/employeebenefits
COBRA - Judicial Branch, AFSCME, MCO & MSEA
FY2012‐2013COBRAPREMIUMRATESEFFECTIVEOCTOBER1,2012
ForJudicialBranchandBargainingUnits:MSEA(A02,A31),MCO(C12),AFSCME(U11)
HiredPriortoApril1,2010
HiredOnorAfterApril1,2010
MONTHLYPREMIUM MONTHLYPREMIUM
Option1 Leave/Layoff(100%)
COBRA(102%)
Leave/Layoff(100%)
COBRA(102%)
McLarenHealthPlan 1 $ 498.32 $ 508.29 $ 411.96 $ 420.20
2 $ 996.65 $ 1,016.58 $ 823.95 $ 840.43
3 $ 877.05 $ 894.59 $ 725.14 $ 739.64
4 $ 1,375.38 $ 1,402.89 $ 1,137.06 $ 1,159.80
PhysiciansHealthPlan 1 $ 566.11 $ 577.43 $ 401.40 $ 409.43
2 $ 1,132.21 $ 1,154.85 $ 802.80 $ 818.86
3 $ 996.34 $ 1,016.27 $ 706.46 $ 720.59
4 $ 1,562.45 $ 1,593.70 $ 1,107.86 $ 1,130.02
PriorityHealthPlan,West 1 $ 593.97 $ 605.85 $ 497.42 $ 507.37
2 $ 1,187.94 $ 1,211.70 $ 994.84 $ 1,014.74
3 $ 1,045.39 $ 1,066.30 $ 875.46 $ 892.97
4 $ 1,639.36 $ 1,672.15 $ 1,372.88 $ 1,400.34
PriorityHealthPlan,East 1 $ 593.97 $ 605.85 $ 497.42 $ 507.37
2 $ 1,187.94 $ 1,211.70 $ 994.84 $ 1,014.74
3 $ 1,045.39 $ 1,066.30 $ 875.46 $ 892.97
4 $ 1,639.36 $ 1,672.15 $ 1,372.88 $ 1,400.34
PriorityHealthPlan,South 1 $ 593.97 $ 605.85 $ 497.42 $ 507.37
2 $ 1,187.94 $ 1,211.70 $ 994.84 $ 1,014.74
3 $ 1,045.39 $ 1,066.30 $ 875.46 $ 892.97
4 $ 1,639.36 $ 1,672.15 $ 1,372.88 $ 1,400.34
TotalHealthCare 1 $ 388.15 $ 395.91 $ 356.56 $ 363.69
2 $ 737.49 $ 752.24 $ 820.09 $ 836.49
3 $ 892.75 $ 910.61 $ 677.47 $ 691.02
4 $ 1,048.01 $ 1,068.97 $ 962.71 $ 981.96
VISIONPLANS
StateVisionPlan 1 $ 6.08 $ 6.20 $ 6.08 $ 6.20
2 $ 10.67 $ 10.90 $ 10.67 $ 10.90
3 $ 13.04 $ 13.30 $ 13.04 $ 13.30
4 $ 17.67 $ 18.02 $ 17.67 $ 18.02
DENTALPLANS
StateDentalPlan 1 $ 46.71 $ 47.66 $ 46.71 $ 47.66
2 $ 85.25 $ 86.96 $ 85.25 $ 86.96
3 $ 103.83 $ 105.89 $ 103.83 $ 105.89
4 $ 142.22 $ 145.06 $ 142.22 $ 145.06
PreventiveDentalPlan 1 $ 6.48 $ 6.61 $ 6.48 $ 6.61
2 $ 11.29 $ 11.50 $ 11.29 $ 11.50
3 $ 11.29 $ 11.50 $ 11.29 $ 11.50
4 $ 16.08 $ 16.40 $ 16.08 $ 16.40
MidwesternDentalPlan(DMO) 1 $ 34.65 $ 35.34 $ 34.65 $ 35.34
2 $ 34.65 $ 35.34 $ 34.65 $ 35.34
3 $ 34.65 $ 35.34 $ 34.65 $ 35.34
4 $ 34.65 $ 35.34 $ 34.65 $ 35.34
1 Healthoptionsare:1=Employeeonlycoverage,2=Employee&Spouse,3=Employee&Child(ren),4=FullFamily
www.michigan.gov/employeebenefits
COBRA - Life Insurance
FY2012‐2013COBRAPREMIUMRATESFORLIFEINSURANCEALLEMPLOYEES
EffectiveOctober1,2012
MONTHLYPREMIUM
PLANNAME Option Leave/Layoff(100%)
COBRA(102%)
LIFEINSURANCEPLANS
DependentLifeOptions
Spouse$1,500and/orChild(ren)$1,000 F $ 0.43 $(n/a)
Spouse$5,000and/orChild(ren)$2,500 G $ 1.30 $(n/a)
Spouse$10,000and/orChild(ren)$5,000 H $ 2.60 $(n/a)
Spouse$25,000and/orChild(ren)$10,000 K $ 8.67 $(n/a)
Child(ren)Only$10,000 L $ 1.63 $(n/a)
EmployeeLifeOptions
EmployeeLifeOnly(Fire&RescueEmployeesOnly) $ 0.56/$1,000 $(n/a)
EmployeeLifeOnly E $ 0.46/$1,000 $(n/a)
1 Healthoptionsare:1=Employeeonlycoverage,2=Employee&Spouse,3=Employee&Child(ren),4=FullFamily
EndofRatesCOBRAPREMIUMRATES
ForJudicialBranchandBargainingUnits:JudicialBranch,MSEA(A02,A31),MCO(C12),AFSCME(U11)
www.michigan.gov/employeebenefits
JUDICIALEMPLOYEEBENEFITSSUMMARY
MailingAddress:P.O.Box30052
Lansing,MI48909
www.michigan.gov/employeebenefits
JudicialHumanResources
(517)373‐1147Fax:(517)373‐5019
HoursofOperation
8:00a.m.to5:00p.m.MondaythroughFriday(exceptonstateholidays)
EmployeeBenefitsDivisionWebsitewww.michigan.gov/employeebenefits
JudicialSelf‐ServiceGateway
andMIHRInformationhttp://www.courts.mi.gov/selfserv/
Recommended