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One Stop Property Maintenance
Open Enrollment

2026 Benefit Plan Options

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Open Enrollment Is Now Closed

Welcome to your 2026 open enrollment. Open enrollment is a crucial period, providing you with the opportunity to make important decisions regarding your health benefits. The enrollment window will be open from December 13 to December 23, 2025.

Please be aware of the following options and instructions:

Maintain Your Current Plan: If you wish to continue with your current medical benefits plan, check the box to carry over your current from 2025 to 2026.

Make Changes to Your Plan: If you would like to make changes to your current medical benefits elections, review the Blue Cross Blue Shield and Blue Care Network and make your selection.

Waive Coverage: If you decide not to take advantage of the benefits, it is imperative that you select the ‘Waive Coverage’ option.

We understand that making benefit decisions is a significant task, and we are here to help. If you have any questions or need assistance with the enrollment process, please do not hesitate to reach out to us at support@everythinghrfs.net or call 248.983.5475 to reach your agent, Felicia Harris.

Thank you for your attention to this important matter, and we look forward to supporting you through this year’s open enrollment period.

Blue Cross Blue Shield and Blue Care Network Medical, Dental & Vision

BCBS Simply Blue℠ HSA PPO

The Simply Blue℠ HSA PPO plan offered by Blue Cross Blue Shield of Michigan is a comprehensive health insurance option designed to cater to individuals and families seeking flexibility and savings for their healthcare needs. This Preferred Provider Organization (PPO) plan combines a lower premium with a high deductible, making it an ideal choice for those who prefer lower monthly costs but are prepared for higher out-of-pocket expenses in case of extensive healthcare needs.

Key features of the Simply Blue℠ HSA PPO include access to a wide network of healthcare providers, allowing members to choose their doctors and specialists without the need for referrals. Members benefit from preventive care services covered at 100%, including routine check-ups, vaccinations, and screenings, which are fully covered without having to meet the deductible.

An attractive aspect of this plan is its compatibility with a Health Savings Account (HSA), which enables members to make pre-tax contributions to an account used for medical expenses. This feature not only provides tax savings but also allows funds to roll over year after year, offering a financial cushion for future healthcare needs.

Additional benefits include emergency care coverage, both domestically and internationally, and access to a variety of wellness programs and online tools designed to help members manage their health and well-being effectively.

OSPM will contribute 50% of your premium each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $250.00, making your monthly expense $250.00. This amount would be divided into bi-monthly payroll deductions of $125.00 per payroll.

Employees who choose to add dependents to their Blue Cross Blue Shield or Blue Care Network coverage are responsible for 100% of the monthly premium for each dependent.

Family Paid Virtual Coverage

One Stop Property Maintenance will provide each Employee and up to six (6) eligible dependents with Enhanced Virtual Primary Care Services, including care navigation and virtual health coaching, at no cost to you.

Employees pay $0.00 copay and $0.00 deductible every time they use:

Virtual urgent care
Virtual primary care
Virtual behavioral health

Example Scenario

Maria, wakes up with flu-like symptoms. Instead of going to an urgent care clinic (which would typically cost her a copay, and in some plans even go toward her deductible), she opens the First Stop Health app.

She requests a virtual urgent care visit
A doctor calls her back within minutes
The doctor evaluates her symptoms, sends a prescription to her pharmacy, and provides care instructions

Total Cost to Maria: $0.00

She pays:

No copay
No deductible
No bill later

The same applies if Maria schedules a virtual primary care visit or a behavioral health session every appointment is completely free to the employee, regardless of which medical insurance plan she is enrolled in.

BCBS Simply Blue℠ PPO Gold Option 3

The Simply Blue PPO Gold plan by Blue Cross Blue Shield of Michigan is tailored for individuals and families looking for a balance between cost and coverage with comprehensive health benefits. This Preferred Provider Organization (PPO) plan offers a moderate premium and deductible, striking a balance that appeals to those who anticipate needing regular medical care but also desire manageable out-of-pocket costs.

Key benefits of the Simply Blue PPO Gold plan include extensive coverage for a broad range of medical services, including primary care visits, specialist consultations, and hospitalization, with no referrals necessary to see specialists within the network. The plan features lower copayments and coinsurance rates, making frequent healthcare services more affordable for members.

Preventive care services are fully covered under this plan, with no deductible required for routine screenings, annual physicals, vaccinations, and more. This ensures that members can maintain their health proactively without additional costs.

The Simply Blue PPO Gold also includes additional perks such as emergency healthcare coverage, both within the United States and internationally, which provides peace of mind for travelers. Members can also take advantage of various online health management tools and support programs that promote wellness and healthy living.

Overall, the Simply Blue PPO Gold plan is an excellent choice for those who value comprehensive coverage with predictable healthcare costs and extensive provider flexibility.

OSPM will contribute 50% of your premium each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $250.00, making your monthly expense $250.00. This amount would be divided into bi-monthly payroll deductions of $125.00 per payroll.

Employees who choose to add dependents to their Blue Cross Blue Shield or Blue Care Network coverage are responsible for 100% of the monthly premium for each dependent.

Family Paid Virtual Coverage

One Stop Property Maintenance will provide each Employee and up to six (6) eligible dependents with Enhanced Virtual Primary Care Services, including care navigation and virtual health coaching, at no cost to you.

Employees pay $0.00 copay and $0.00 deductible every time they use:

Virtual urgent care
Virtual primary care
Virtual behavioral health

Example Scenario

Maria, wakes up with flu-like symptoms. Instead of going to an urgent care clinic (which would typically cost her a copay, and in some plans even go toward her deductible), she opens the First Stop Health app.

She requests a virtual urgent care visit
A doctor calls her back within minutes
The doctor evaluates her symptoms, sends a prescription to her pharmacy, and provides care instructions

Total Cost to Maria: $0.00

She pays:

No copay
No deductible
No bill later

The same applies if Maria schedules a virtual primary care visit or a behavioral health session every appointment is completely free to the employee, regardless of which medical insurance plan she is enrolled in.

BCN Gold Option 2

The Gold Option 2 plan offered by Blue Care Network of Michigan is a health maintenance organization (HMO) plan designed for individuals and families seeking comprehensive healthcare coverage with predictable costs. This plan features a balance of affordable premiums and moderate deductibles, making it a suitable option for those who need regular medical attention but also want to keep their routine healthcare costs manageable.

One of the standout features of the Gold Option 2 plan is its emphasis on preventive care, which is fully covered without any deductible. This includes routine physical exams, vaccinations, screenings, and other preventive services, encouraging members to maintain their health proactively.

Members of the Gold Option 2 plan benefit from a vast network of healthcare providers. They are required to choose a primary care physician (PCP) who coordinates all their healthcare services, which ensures streamlined care and helps in managing overall health more effectively. Referrals are needed for specialist visits, but these are easily facilitated by the PCP within the network, maintaining a coordinated approach to healthcare.

The plan also covers a wide array of medical services including emergency care, hospitalization, mental health services, and prescription drugs. With lower copayments and coinsurance rates after the deductible is met, this plan helps manage the cost of more extensive medical care.

Additionally, members can access a variety of wellness programs and digital tools provided by Blue Care Network, designed to support health management and lifestyle improvements.

Gold Option 2 is ideal for those looking for comprehensive coverage, a wide network of providers, and benefits that support both immediate and long-term health needs, all within a structured and cost-effective framework.

OSPM will contribute 50% of your premium each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $250.00, making your monthly expense $250.00. This amount would be divided into bi-monthly payroll deductions of $125.00 per payroll.

Employees who choose to add dependents to their Blue Cross Blue Shield or Blue Care Network coverage are responsible for 100% of the monthly premium for each dependent.

Family Paid Virtual Coverage

One Stop Property Maintenance will provide each Employee and up to six (6) eligible dependents with Enhanced Virtual Primary Care Services, including care navigation and virtual health coaching, at no cost to you.

Employees pay $0.00 copay and $0.00 deductible every time they use:

Virtual urgent care
Virtual primary care
Virtual behavioral health

Example Scenario

Maria, wakes up with flu-like symptoms. Instead of going to an urgent care clinic (which would typically cost her a copay, and in some plans even go toward her deductible), she opens the First Stop Health app.

She requests a virtual urgent care visit
A doctor calls her back within minutes
The doctor evaluates her symptoms, sends a prescription to her pharmacy, and provides care instructions

Total Cost to Maria: $0.00

She pays:

No copay
No deductible
No bill later

The same applies if Maria schedules a virtual primary care visit or a behavioral health session every appointment is completely free to the employee, regardless of which medical insurance plan she is enrolled in.

BCN Silver W/Expanded Abortion

The Silver with Expanded Abortion coverage plan from Blue Care Network of Michigan is a health maintenance organization (HMO) plan specifically designed to provide individuals and families with comprehensive health coverage while emphasizing reproductive health services. This plan offers moderate premiums and deductibles, making it a suitable choice for those who desire a balance between cost and coverage, with particular attention to reproductive rights.

A defining feature of this plan is its inclusive coverage of reproductive services, including expanded abortion coverage. This aspect of the plan addresses the needs of those who prioritize comprehensive reproductive health care options within their insurance coverage. The plan ensures that members have access to a broad range of services with respect to personal health and family planning decisions.

As an HMO, the Silver with Expanded Abortion plan requires members to select a primary care physician (PCP) who will oversee their overall health care. The PCP coordinates all medical services, including referrals to specialists within the network. This setup fosters a streamlined and integrated approach to healthcare management.

Preventive care is a significant part of the plan, with services like annual check-ups, screenings, and vaccinations covered at no additional cost to the member. This encourages proactive health management and early detection of potential health issues.

Additionally, the plan offers essential benefits such as emergency care, hospitalization, mental health services, and prescription drugs coverage, with reasonable copayments and coinsurance options after deductibles are met.

The Silver with Expanded Abortion coverage plan is an excellent choice for those who value comprehensive health insurance with enhanced reproductive health services, ensuring a broad spectrum of care within a supportive and structured healthcare network.

OSPM will contribute 50% of your premium each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $250.00, making your monthly expense $250.00. This amount would be divided into bi-monthly payroll deductions of $125.00 per payroll.

Employees who choose to add dependents to their Blue Cross Blue Shield or Blue Care Network coverage are responsible for 100% of the monthly premium for each dependent.

Family Paid Virtual Coverage

One Stop Property Maintenance will provide each Employee and up to six (6) eligible dependents with Enhanced Virtual Primary Care Services, including care navigation and virtual health coaching, at no cost to you.

Employees pay $0.00 copay and $0.00 deductible every time they use:

Virtual urgent care
Virtual primary care
Virtual behavioral health

Example Scenario

Maria, wakes up with flu-like symptoms. Instead of going to an urgent care clinic (which would typically cost her a copay, and in some plans even go toward her deductible), she opens the First Stop Health app.

She requests a virtual urgent care visit
A doctor calls her back within minutes
The doctor evaluates her symptoms, sends a prescription to her pharmacy, and provides care instructions

Total Cost to Maria: $0.00

She pays:

No copay
No deductible
No bill later

The same applies if Maria schedules a virtual primary care visit or a behavioral health session every appointment is completely free to the employee, regardless of which medical insurance plan she is enrolled in.

Vision

Vision coverage is automatically included in Blue Cross Blue Shield or Blue Care Network medical plans.

Dental

Dental coverage is automatically included in Blue Cross Blue Shield or Blue Care Network medical plans.