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Alliance of Coalitions for Healthy Communities

2025 Benefit Plan Options

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Open Enrollment Is Now Closed

Welcome to your 2025 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 November 25 to December 8, 2024.

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 2024 to 2025.

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

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

This year, employees who only require dental and/or vision coverage can enroll in Delta Dental and/or VSP (vision). For those needing Blue Cross Blue Shield or Blue Care Network medical plans, dental and vision coverage is automatically included.

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

2025 BCN PCP Focus Platinum W/Expanded Abortion

The Blue Care Network of Michigan PCP Focus Platinum plan is a type of health insurance coverage that emphasizes primary care provider (PCP) coordination. In this plan, members are required to choose a primary care provider who will be their main point of contact for healthcare services. This provider coordinates all necessary referrals and manages the overall care of the patient.

The “Platinum” designation typically indicates a higher level of coverage with lower out-of-pocket costs compared to other tiers like Bronze, Silver, or Gold. This can mean lower deductibles, copays, and a higher percentage of costs covered by the insurance after the deductible is met.

ACHC will contribute $200.00 each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $200.00, making your monthly expense $300.00. This amount would be divided into bi-monthly payroll deductions of $150.00 per payroll.

2025 BCN PCP Focus Gold Option 2

The Blue Care Network of Michigan PCP Focus Gold plan is a health insurance option that stresses the importance of having a primary care provider (PCP) to manage a patient’s health care. Under this plan, members must select a PCP who will oversee their medical needs, including issuing referrals to specialists and coordinating overall care.

The “Gold” tier typically means that the plan has more comprehensive coverage with moderate out-of-pocket costs when compared to other levels, like Bronze or Silver plans. This includes features such as a moderate deductible, reasonable copays, and a good balance of premium costs versus coverage, making it suitable for those who anticipate needing regular medical care.

ACHC will contribute $200.00 each month towards the total cost of your medical plan. For instance, if your plan costs $500.00 per month, you would deduct $200.00, making your monthly expense $300.00. This amount would be divided into bi-monthly payroll deductions of $150.00 per payroll.

2025 BCBS Simply Blue PPO Platinum W/Expanded Abortion

The Blue Cross Blue Shield of Michigan Simply Blue PPO Platinum Plan is a high-tier health insurance option designed to offer extensive coverage with minimal out-of-pocket expenses. As a Preferred Provider Organization (PPO) plan, it provides members with the flexibility to choose their healthcare providers within and outside of the Blue Cross Blue Shield network, although staying within the network will result in lower costs.

The “Platinum” level indicates the highest premium of all plan tiers but offers the lowest costs when receiving care. It typically features low deductibles and copays, and a high percentage of costs covered after the deductible is met, making it an excellent choice for individuals or families who expect to need significant medical care.

This plan includes a wide range of services, from preventive care—which is usually covered at no additional cost—to specialist services, emergency care, and hospitalization. Mental health services, prescription drugs, and maternity care are also covered under this comprehensive plan.

Members benefit from the extensive network of healthcare providers associated with Blue Cross Blue Shield, ensuring that they have access to numerous specialists and facilities. The plan may also offer additional benefits like telehealth services, wellness programs, and discounts on health-related products.

For those looking for robust coverage with predictable costs, the Simply Blue PPO Platinum Plan is an optimal choice, providing peace of mind through its comprehensive health care coverage and network flexibility.

ACHC will contribute $200.00 each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $200.00, making your monthly expense $300.00. This amount would be divided into bi-monthly payroll deductions of $150.00 per payroll.

2025 Vision

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

2025 Dental

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

Delta Dental &Vision

2025 Delta Vision

The Delta Vision plan, offered by Delta Dental, provides comprehensive vision care coverage to its members. This plan is designed to help individuals and families reduce the cost of routine eye care and prescription eyewear. Members of the Delta Vision plan have access to a broad network of optometrists and ophthalmologists, ensuring that finding a provider is both easy and convenient.

Key features of the Delta Vision plan include coverage for annual eye exams, which often come with a low co-pay, making regular check-ups affordable. The plan typically covers a significant portion of the costs for prescription glasses and contact lenses, with specific allowances for frames and lenses provided on an annual basis.

Additionally, the Delta Vision plan may offer discounts on elective vision correction surgery, such as LASIK, as well as special rates on additional pairs of eyeglasses or enhancements like progressive lenses and anti-reflective coating. Members can also benefit from out-of-network coverage options, although utilizing in-network providers maximizes the benefits.

Delta Vision emphasizes not only the importance of vision care as part of overall health but also strives to make managing vision care benefits straightforward through user-friendly online tools for checking coverage details, finding providers, and submitting claims. This plan is an excellent choice for those who value both the health of their eyes and the clarity of their vision.

The Delta Dental of Michigan Group PPO Plan is designed to offer comprehensive dental coverage to groups and organizations, providing a broad range of dental services at affordable rates. As a Preferred Provider Organization (PPO) plan, it offers flexibility in choosing dentists and dental specialists either within or outside Delta Dental’s extensive network, with greater savings occurring when in-network providers are used.

Key features of the plan include preventive care such as cleanings, exams, and x-rays.

ACHC does not offer a contribution towards this plan.

2025 Delta Dental

The Delta Dental of Michigan Group PPO Plan is designed to offer comprehensive dental coverage to groups and organizations, providing a broad range of dental services at affordable rates. As a Preferred Provider Organization (PPO) plan, it offers flexibility in choosing dentists and dental specialists either within or outside Delta Dental’s extensive network, with greater savings occurring when in-network providers are used.

Key features of the plan include preventive care such as cleanings, exams, and x-rays, which are typically covered at no cost or for a low copayment, encouraging regular dental visits. The plan also covers a substantial portion of more extensive procedures like fillings, crowns, bridges, and orthodontic treatments, with varying degrees of coverage depending on the procedure.

The Delta Dental of Michigan Group PPO plan is structured to minimize the out-of-pocket expenses for its members while maximizing their choice and control over their dental care. This includes competitive deductibles and maximum benefit limits that ensure members can receive the dental care they need without undue financial burden.

Additionally, members benefit from the simplicity and convenience of the plan. This includes easy access to claims and coverage information online, straightforward billing, and customer service support aimed at resolving questions and helping members make the most of their benefits.

ACHC does not offer a contribution towards this plan.

Alliance of Coalitions for Healthy Communities

2025 Benefit Plan Options

Welcome to your 2025 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 November 25 to December 8, 2024.

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 2024 to 2025.

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

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

This year, employees who only require dental and/or vision coverage can enroll in Delta Dental and/or VSP (vision). For those needing Blue Cross Blue Shield or Blue Care Network medical plans, dental and vision coverage is automatically included.

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

2025 BCN PCP Focus Platinum W/Expanded Abortion

The “Platinum” designation typically indicates a higher level of coverage with lower out-of-pocket costs compared to other tiers like Bronze, Silver, or Gold. This can mean lower deductibles, copays, and a higher percentage of costs covered by the insurance after the deductible is met.

ACHC will contribute $200.00 each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $200.00, making your monthly expense $300.00. This amount would be divided into bi-monthly payroll deductions of $150.00 per payroll.

2025 BCN PCP Focus Gold Option 2

ACHC will contribute $200.00 each month towards the total cost of your medical plan. For instance, if your plan costs $500.00 per month, you would deduct $200.00, making your monthly expense $300.00. This amount would be divided into bi-monthly payroll deductions of $150.00 per payroll.

2025 BCBS Simply Blue PPO Platinum W/Expanded Abortion

This plan includes a wide range of services, from preventive care—which is usually covered at no additional cost—to specialist services, emergency care, and hospitalization. Mental health services, prescription drugs, and maternity care are also covered under this comprehensive plan.

For those looking for robust coverage with predictable costs, the Simply Blue PPO Platinum Plan is an optimal choice, providing peace of mind through its comprehensive health care coverage and network flexibility.

ACHC will contribute $200.00 each month towards the total cost of your plan. For instance, if your plan costs $500.00 per month, you would deduct $200.00, making your monthly expense $300.00. This amount would be divided into bi-monthly payroll deductions of $150.00 per payroll.

2025 Vision

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

2025 Dental

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

Delta Dental &Vision

2025 Delta Vision

Key features of the plan include preventive care such as cleanings, exams, and x-rays.

ACHC does not offer a contribution towards this plan.

2025 Delta Dental

Additionally, members benefit from the simplicity and convenience of the plan. This includes easy access to claims and coverage information online, straightforward billing, and customer service support aimed at resolving questions and helping members make the most of their benefits.

ACHC does not offer a contribution towards this plan.

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