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Battle Creek Health System, Battle Creek

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My Health & Welfare | Enroll Now

Medical | Dental | Vision
Life Insurance | Short Term Disability
Long Term Disability | Flexible Spending | Legal

2011 Open Enrollment Booklet and Plan Highlights

Dependent child definition for 2011:

Your dependent child may be eligible to be on your health coverage through the end of the year they turn 26. Please click here for more information.

Planning to add dependents?

In order for new family members to be eligible for coverage under any Trinity Health benefit plan, you are required to provide proof of their dependent status. If you are planning to add family members you must submit dependent verification information to Human Resources within 31 days of your new hire or status change date. If you do not submit the required paperwork by the deadline, your newly added dependents will not be enrolled in coverage and you will be required to wait until the next annual enrollment period to enroll new dependents in the plan.

Required Documents

Medical

Medical Plans

You have a choice of two medical plan options - Healthy Blue Solution Plan B PPO and Blue Care Network Healthy Blue Living HMO.

Find a BCBSM Community Blue Participating Provider.

Use the plan comparison tool to Estimate My Plan Costs

Healthy Blue Solutions PPO

Healthy Blue Solutions rewards your decision to actively adopt a healthier lifestyle by reducing your copayments and deductibles. It combines quality PPO health care benefits with effective wellness and care management features. The Healthy Blue Solutions plan offers two levels of benefits:

• Enhanced offers lower co-payments and deductibles to members who adopt a healthy lifestyle.
• Standard has higher co-payments and deductibles for members who choose not to participate in designated wellness and disease management interventions.

You will automatically enjoy the plan’s enhanced benefit level for the first 120 days of coverage if you and your spouse:

• Go online to bcbsm.com and complete a BlueHealthConnection® health appraisal by 1/31/2011, and
• Based on your HA results, attend the first of four appointments with a BCBSM health coach by 4/15/2011.

If you and your spouse do not commit to the above, you will be dropped to the standard benefit level on your 121st day of coverage.

Healthy Blue Solutions Enhanced PPO Summary | Healthy Blue Solutions Standard PPO Summary
Complete Health Appraisal
2010 Healthy Blue Solutions PPO SPD
2011 Healthy Blue Solutions PPO SPD - COMING SOON!
Healthy Blue Solutions Member Guide
Preventive Care Overview

BCN
Healthy Blue Living is an innovative health plan that rewards members with lower costs for pursuing their health goals. The Healthy Blue Living plan has two levels of benefits:

• Enhanced offers lower co-payments and deductibles to participants who adopt a healthy lifestyle.
• Standard has higher co-payments and deductibles for participants who choose not to participate in designated wellness and disease management interventions.

You automatically will enjoy the enhanced benefit level of for the first 90 days of coverage if you and your spouse:

• Complete a Health Appraisal,
• Meet with your primary care physician(s) to complete a Qualification form
• If you’re a smoker, join Quit the Nic smoking cessation program within your first 120 days of enrollment, and
• Adopt a healthy lifestyle.

If you and your spouse do not commit to the above within your first 90 days of coverage, you will be
dropped to the standard benefit level.

Healthy Blue Living HA Instructions
Healthy Blue Living Member Checklist
Healthy Blue Living Member Guide
Healthy Blue Living Qualifications Form
Healthy Blue Living Plan Summary

> Looking for a BCHS Doctor? Visit the BCHS website and search our Find a Physician directory!

Dental

You have a choice of two dental plans - Delta Premier Standard plan and Delta Premier High plan.

Delta Premier Standard Summary
Delta Premier High Summary
Delta Premier Certificate

Vision

You have the option of electing two vision benefits through United Healthcare(UHC) Vision.

UHC High Vision Summary
UHC Standard Vision Summary
UHC Vision Benefit Booklet
UHC High Vision SPD
UHC Standard Vision SPD

Life Insurance

Full-time and Part-time employees have Basic Life Insurance provided at 1x annual salary.

In addition, you have the option to purchase additional coverage for yourself and your dependents in the following increments:

Please Note: some elections may require a Statement of Health. It is your responsibility to complete and return your Statement of Health during the Enrollment Period.

Life Insurance Certificate
Statement of Health Form
Life Insurance Enrollment Brochure
Guaranty Association Notices (To be delivered to residents of the applicable states) – Certain state guaranty association laws require that a notice be provided to their residents. The notice explains the protections, subject to limitations and exclusions, available to residents in the event that the insurer becomes financially impaired or insolvent. If the client covers residents in any of the following states, the client must provide the applicable state notice when distributing certificates: Alaska, Arkansas, California, Colorado, District of Columbia, Hawaii, Illinois, Indiana, Kansas, Louisiana, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, New Hampshire, New Jersey, Nevada, Ohio, Oklahoma, Rhode Island, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, and Wyoming.
Will Preparation Information - If you elect supplemental life insurance you qualify for free will preparation through Prudential.

Short Term Disability

Battle Creek Health System provides you with Short Term Disability coverage at 60% of your base pay. This income replacement benefit begins after you have exhausted your seven day elimination period. Please click here for directions on how to file your Short Term Disability claim.

Short Term Disability Certificate

Long Term Disability

Battle Creek Health System provides you with Long Term Disability coverage at 50% of your base pay not to exceed a monthly benefit of $10,000. This income replacement benefit begins after you have exhausted your Short Term Disability benefits.

You have the option to "buy-up" your LTD coverage to 66 2/3% of base pay.

Long Term Disability Certificate

Flexible Spending

A Flexible Spending Account (FSA) gives you a way to pay for your out-of-pocket health care and / or dependent care expenses with before-tax dollars.

Important 2011 Change! Over-the-counter drugs purchased on or after January 1, 2011 will no longer be reimbursable through the health care spending account (HCSA).

Health Care Spending:
You may contribute pre-tax dollars in any amount between $130 and $5,000 annually. Contributions made to the HCSA during the 2011 calendar year will be eligible for reimbursement on services incurred from January 1, 2011 through March 15, 2012. The claim submission deadline will continue to be March 31st. This 2-½ month extension is allowed under new IRS guidelines. Please consider this extension when making your 2011 elections.

Dependent Care Spending:
You may contribute pre-tax dollars in any amount between $130 and $5,000 annually.

Direct Deposit:
You can elect to have your reimbursements automatically deposited into your checking or savings account by signing up for direct deposit. This can be done by going on www.wageworks.com or by calling WageWorks customer service at 1-877-WageWorks (1-877-924-3967).

Health Care Debit Card:
Associates enrolled the HCSA will receive a debit card that can be used for many health care purchases including prescription co-pays, dental and vision expenses.

Wageworks.com:
HCSA/DCSA participants can track HCSA/DCSA account statuses through www.wageworks.com. This is available 24 hours a day, 7 days a week. With wageworks.com, you can check the status of your HCSA/DCSA, review your HCSA/A balance, sign up for Direct Deposit, print claim forms, and much more. Once you enroll in an HCSA/DCSA, you can register to use www.wageworks.com.

Additional Flexible Spending Account Information
Healthcare Spending Account Claim Form
Dependent Spending Account Claim Form

Legal

You have the choice of electing legal coverage through Hyatt Legal for yourself and your family.

Hyatt Legal Brochure
Hyatt Legal SPD

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