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CMU RESEARCH CORPORATION

2025 Benefit Plan Options

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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 January 6 to January 13, 2026.

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, and Blue Care Network, plans and make your selection.

Waive Coverage: If you decide not to take advantage of the CMURC 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.

CMURC will cover 75% of the cost of employee medical insurance premiums.

For example, if your monthly Blue Cross Blue Shield or Blue Care Network premium is $500, CMURC will pay 75% ($375), and your portion will be $125 per month.

If premiums are deducted on a bi-weekly payroll, you will see a $62.50 pre-tax deduction from each paycheck.

CMURC is pleased to announce that, effective for the upcoming plan year, all employees and their family will receive First Health Telehealth services at absolutely no cost.

About First Health Telehealth

First Health Telehealth provides 24/7 virtual access to licensed medical and behavioral health providers using your phone, tablet, or computer anytime and anywhere.

There is never any cost to you for telehealth visits:

$0.00 deductible
$0.00 co-pay
$0.00 visit cost
Unlimited telehealth visits
No credit card required

Employees and family members will never pay for First Health Telehealth visits or consultations.

Telehealth Services Include (Unlimited Use)
Virtual medical visits for non-emergency health concerns
Behavioral health services, including mental health consultations and support
Diagnosis and treatment of common illnesses (cold, flu, sinus infections, allergies, minor infections, etc.)
Prescriptions or tests may be written by the telehealth provider when medically appropriate

Important note regarding prescriptions and tests:
While the telehealth visit itself is always free, any prescriptions or medical tests ordered by a First Health Telehealth provider are not included and must be processed through your primary medical insurance.

Automatic Enrollment – No Action Required

All CMURC employees will be automatically enrolled in First Health Telehealth.

No enrollment form required
No medical plan enrollment required
No payment information required

This benefit is available to all employees, including those enrolled in state, spouse, or other medical plans.

Access instructions and login details will be provided after Open Enrollment. First Health Telehealth will send you an email with step-by-step instructions on how to access your benefits.

CMURC is committed to expanding access to healthcare by providing employees and their families with unlimited, no-cost medical and behavioral telehealth services making care more accessible, convenient, and affordable.

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 Fixed Cost Gold Option 1 W/Expanded Abortion

The Fixed Gold Option 1 plan offered by Blue Care Network of Michigan is a health maintenance organization (HMO) plan designed for individuals and families who value comprehensive coverage with stable, predictable out-of-pocket costs. This plan emphasizes fixed copayments for many services, making it an attractive option for members who want clarity and consistency in their healthcare expenses.

A key feature of the Fixed Gold Option 1 plan is its strong focus on preventive care, which is covered at 100% without requiring a deductible. Covered preventive services include routine physical exams, immunizations, screenings, and other preventive services, helping members stay proactive about their health and avoid more costly care later.

Members are required to select a primary care physician (PCP) within the Blue Care Network provider network. The PCP coordinates care and provides referrals to specialists as needed, ensuring an organized and efficient approach to managing healthcare services. This coordinated care model supports continuity of care and better health outcomes.

The plan provides coverage for a broad range of medical services, including office visits, emergency care, hospitalization, mental health services, and prescription drugs. With fixed copayments for many common services, members can more easily budget for healthcare costs while still receiving robust coverage.

In addition, members have access to Blue Care Network’s wellness programs and digital tools, which support health education, care management, and overall wellness.

Fixed Gold Option 1 is well suited for individuals and families seeking comprehensive benefits, predictable costs, and a coordinated care experience within a trusted provider network, making it a strong choice for those who prefer financial consistency alongside quality healthcare coverage.

2025 Blue Elect Plus HSA POS Gold Option 1

The Blue Elect Plus HSA POS Gold Option 1 plan offered by Blue Care Network of Michigan is a point-of-service (POS) health plan designed for individuals and families who want comprehensive coverage, flexibility in provider choice, and the ability to pair their coverage with a Health Savings Account (HSA). This plan combines the security of a Gold-level benefit design with the tax advantages of HSA eligibility.

One of the key features of the Blue Elect Plus HSA POS Gold Option 1 plan is its emphasis on preventive care, which is covered at 100% when services are received in-network and does not require the deductible to be met. Preventive services include routine physical exams, immunizations, screenings, and other preventive care designed to support long-term health and early detection.

This plan offers flexibility through its POS structure. Members are encouraged to select a primary care physician (PCP) within the Blue Care Network to help coordinate care, but the plan also allows access to out-of-network providers at a higher cost. This flexibility can be especially valuable for members who want more choice while still benefiting from lower in-network costs.

Coverage includes a wide range of medical services such as office visits, specialist care, emergency services, hospitalization, mental health services, and prescription drugs. Once the deductible is met, the plan provides predictable cost-sharing through coinsurance, helping members manage expenses for more significant medical needs.

In addition, the plan is HSA-compatible, allowing members to contribute pre-tax dollars to a Health Savings Account to help pay for qualified medical expenses now or in the future. Members also have access to Blue Care Network’s wellness programs and digital tools that support health management and informed decision-making.

Blue Elect Plus HSA POS Gold Option 1 is ideal for individuals and families seeking comprehensive Gold-level coverage, provider flexibility, and the long-term savings advantages of an HSA, all within a plan that supports both immediate care needs and future financial planning.

2025 BCBS Simply Blue℠ PPO Gold Option 1 w/ Expanded Abortion

The Simply Blue℠ PPO Gold Option 1 w/ Expanded Abortion plan offered by Blue Cross Blue Shield of Michigan is a preferred provider organization (PPO) plan designed for individuals and families who want comprehensive Gold-level coverage, broad provider flexibility, and enhanced reproductive health benefits. This plan provides a balance of predictable costs and extensive medical coverage, making it suitable for members who value choice and robust benefits.

A key feature of this plan is its coverage for preventive care, which is covered at 100% when received in-network and does not require the deductible to be met. Preventive services include annual physical exams, immunizations, screenings, and other routine preventive care that support early detection and long-term health.

As a PPO plan, members may visit both in-network and out-of-network providers without needing referrals. In-network services offer the lowest out-of-pocket costs, while out-of-network access provides added flexibility for members who prefer a wider choice of healthcare providers.

The plan covers a broad range of medical services, including primary and specialty care, emergency services, hospitalization, mental health services, and prescription drugs. Cost-sharing is structured to provide predictability and support access to care for both routine and more complex medical needs.

This option includes expanded abortion coverage, in accordance with applicable state and federal regulations, offering additional reproductive health benefits beyond standard coverage. Members also have access to digital tools, wellness resources, and care management programs provided by Blue Cross Blue Shield of Michigan to support informed healthcare decisions and overall well-being.

Simply Blue℠ PPO Gold Option 1 w/ Expanded Abortion is ideal for individuals and families seeking comprehensive Gold-level benefits, provider flexibility, and enhanced reproductive health coverage, within a plan that supports both immediate healthcare needs and long-term wellness.

2025 Simply Blue℠ HSA PPO with Rx SG

The Simply Blue℠ HSA PPO with Rx SG plan offered by Blue Cross Blue Shield of Michigan is a preferred provider organization (PPO) plan designed for individuals and families seeking affordable coverage, broad provider access, and the tax advantages of a Health Savings Account (HSA). This plan balances lower premiums with comprehensive medical and prescription drug coverage, making it a practical choice for members who want flexibility and cost control.

A core feature of the Simply Blue℠ HSA PPO with Rx SG plan is its emphasis on preventive care, which is covered at 100% when received in-network and does not require the deductible to be met. Preventive services include annual physical exams, immunizations, screenings, and other routine preventive care that support early detection and long-term health.

As a PPO plan, members have the freedom to visit providers both in-network and out-of-network without needing referrals. While in-network services offer the lowest out-of-pocket costs, the ability to access out-of-network providers provides added flexibility for members who want broader choice in their healthcare providers.

The plan covers a wide range of services, including primary and specialty care, emergency services, hospitalization, mental health services, and prescription drugs. After meeting the deductible, members share costs through coinsurance, helping manage expenses for more significant medical needs.

This plan is HSA-compatible, allowing members to contribute pre-tax dollars to a Health Savings Account to pay for qualified medical expenses, both now and in the future. Members also have access to digital tools, wellness resources, and care management programs provided by Blue Cross Blue Shield of Michigan to support informed healthcare decisions and overall well-being.

Simply Blue℠ HSA PPO with Rx SG is well suited for individuals and families who want flexible provider access, lower monthly premiums, and long-term savings potential through an HSA, while maintaining reliable coverage for both routine and unexpected healthcare needs.

Delta Dental and Vision

2026 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.

2026 Delta Dental