Benefits
For 2023, the City of Grand Haven a high deductible health plan to full-time employees, or employees that work on average 30 hours or more per week, to employees and their families. The plan is provided by Blue Cross Blue Shield of Michigan. The High Deductible Health Plan with HSA (Simply Blue PPO with HSA) provides you and your family with health coverage by paying low premiums and a deductible.
In addition, employees are offered dental insurance from The Standard. The Standard uses the Ameritas Network. Let your dentist know you have dental insurance through the Ameritas Network and show them your dental insurance card. If you need to replace your dental insurance card, create an account through Standard.com.
Open Enrollment
View the Open Enrollment Booklet and summary of benefits:
This page contains summary information and may contain errors or omissions. Please review the information below for specifics of your plan or log into BCBSM.com.
Health Savings Accounts
Health savings can be complicated! If you are on the City’s High Deductible Health Plan, you have a Health Savings Account through Optum Bank. Use this account to pay for your medical, dental, and vision expenses using pre-tax dollars. Let HR know if you have any questions.
Surprise Billing
In 2021, a rule from the Department of Health and Human Services was released regarding “Surprise Billing.”
This rule protects individuals from surprise medical bills for emergency services, air ambulance services provided by out-of-network providers, and non-emergency services provided by out-of-network providers at in-network facilities in certain circumstances.
If a plan or coverage provides or covers any benefits for emergency services, this IFC requires emergency services to be covered:
- Without any prior authorization (i.e., approval beforehand).
- Regardless of whether the provider is an in-network provider or an in-network emergency facility.
- Regardless of any other term or condition of the plan or coverage other than the exclusion or coordination of benefits, or a permitted affiliation or waiting period.
Emergency services include certain services in an emergency department of a hospital or an independent freestanding emergency department, as well as post-stabilization services in certain instances.
This IFC also limits cost sharing for out-of-network services subject to these protections to no higher than in-network levels, requires such cost sharing to count toward any in-network deductibles and out-of-pocket maximums, and prohibits balance billing. These limitations apply to out-of-network emergency services, air ambulance services furnished by out-of-network providers, and certain non-emergency services furnished by out-of-network providers at certain in-network facilities, including hospitals and ambulatory surgical centers.
If you believe you were “surprise billed”, please contact BCBSM using the number on the back of your insurance card or call Human Resources.
